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The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

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#71. Rejection, Persistence and Making Money as a Cartoonist (with Dave Coverly, Speed Bump)

Tue, 11 Aug 2026 05:00:00 -0700

What does it really take to build a creative career that lasts for decades? In this episode of Drip, Trickle, Flow, Flood, we sit down with award-winning cartoonist Dave Coverly, creator of the internationally syndicated comic panel Speed Bump. Dave shares how he went from years of rejection letters to syndication, why developing your own creative voice takes time, and how he built multiple income streams through cartoons, books, greeting cards, illustration, and licensing. We also talk about the realities of making money as a creative, handling criticism, navigating social media, and why loving the work itself may be one of the biggest advantages you can have.

Dave also talks about his upcoming book, My Support Dog Ate My Comfort Food, a collection of his best dog cartoons from the past decade, coming in October.

For artists, writers, freelancers, and anyone trying to turn creativity into a sustainable career, Dave’s story is a reminder that success rarely happens overnight. It’s built one idea, opportunity, rejection, connection, and income stream at a time.

1. Persistence matters more than an overnight breakthrough.

Dave spent roughly eight to ten years pursuing syndication before Speed Bump was picked up. Instead of hiding his rejection letters, he hung them above his drawing table as motivation to keep submitting. His career is a great example of what can happen when you stay in the game long enough for preparation and opportunity to meet.

2. Your creative voice is something you develop through doing the work.

Early in a creative career, it’s natural to be influenced by the people whose work you admire. Dave explains that eventually something shifts: you stop imagining someone else’s version of the work and begin seeing your own style in your head. You can’t shortcut that process. You have to create enough work to discover what your work actually looks and sounds like.

3. A sustainable creative career often needs multiple income streams.

Speed Bump became the anchor of Dave’s career, but it isn’t his only source of income. Over the years, his cartoons have expanded into books, greeting cards, children’s books, licensing, illustration, and other opportunities. One of his smartest observations is that creators should look for ways their existing work can continue generating revenue without having to create something brand new every time.

4. Build relationships with curiosity, not an agenda.

Throughout his career, Dave reached out to cartoonists he admired to learn from them. Those connections weren’t about asking someone for a job or an introduction. They started with genuine admiration and curiosity. That approach helped him learn the business of cartooning, find mentors, build friendships, and eventually become someone who can offer the same encouragement to younger artists.

5. Make the work for yourself first.

One of the most important pieces of advice Dave received early in his career was to make himself laugh rather than trying to predict what everyone else would find funny. After decades of creating Speed Bump, he knows he won’t hit a home run every day. The job is to keep creating, meet the deadline, trust your voice, and come back tomorrow to do it again.

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#70. Customer Service Is the New Marketing

Tue, 04 Aug 2026 05:00:00 -0700

As more businesses automate everything from sales to support, genuine human connection has become one of the biggest competitive advantages you can have. In this episode, we share stories of exceptional customer service, frustrating AI experiences, and the small touches that keep customers coming back year after year. Whether you’re a business owner, freelancer, creative, or employee, you’ll walk away with practical ideas for creating experiences people remember and recommend.

1. Great customer service is a competitive advantage.

As AI handles more customer interactions, businesses that make it easy to connect with a real person will increasingly stand out.

2. Small gestures create memorable experiences.

A quick response, free coffee, a thoughtful gift, or simply following up can transform an ordinary transaction into a lasting relationship.

3. Reliability builds trust.

Meeting deadlines, responding promptly, and communicating clearly often matter just as much as talent or technical skill.

4. Customer experience extends beyond the sale.

Marketing may bring customers in, but the service they receive afterward determines whether they become loyal advocates or leave for a competitor.

5. Relationships are built through consistency.

The businesses and professionals people recommend are often the ones who consistently show up, solve problems, and make every interaction feel personal.

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#69. How Local Businesses Can Compete With Big Box Retailers (with Hardware Sales)

Tue, 28 Jul 2026 05:15:00 -0700

How does a local business compete when customers can buy almost anything online or head to a massive retailer down the street?

For more than 60 years, Hardware Sales has been a fixture in Bellingham, Washington, growing from a family business that once sold dynamite to a sprawling operation with 50,000 products, around 150 employees, multiple revenue streams, and a footprint spanning seven city blocks.

In this episode, we sit down with Brookelyn, Hardware Sales’ Marketing and Business Strategy Manager, to talk about what keeps customers coming back. We dig into their “white glove” approach to customer service, the value of knowledgeable employees, and why treating people like family can become a serious competitive advantage. We also explore how Hardware Sales is evolving through social media, events, ecommerce, rentals, and new revenue streams while holding onto the personal experience that made the business successful in the first place.

Customer service can be a competitive advantage. At Hardware Sales, the goal is to greet customers and offer help almost immediately. In a world where customers are often left searching for an employee or navigating a purchase alone, being genuinely helpful can be a powerful differentiator.

Knowledge is part of the product. Customers are not only coming in to buy a plumbing part, tool, or hose. They are coming because an experienced employee can listen to the problem, help them figure out what they need, and walk them through how to solve it.

Local businesses can offer something scale can’t easily replicate. Hardware Sales competes in a market with big-box retailers and online shopping, but decades of relationships, familiar employees, personalized service, and deep ties to the community give customers reasons to choose local beyond price or convenience.

Community can turn a business into a destination. From partnering with local events to hosting a barbecue competition for construction companies, Hardware Sales is finding ways to bring people together. The store becomes a “third space” where customers know people, run into friends, and feel connected to their community.

Staying local doesn’t mean staying the same. Over the decades, Hardware Sales has continually adapted, expanding into rentals, industrial sales, ecommerce, Amazon brand management, events, social media, and other opportunities. The business keeps evolving while protecting the customer experience and community relationships at the heart of its brand.

Check out Hardware Sales at their website or on Instagram.

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#68. The Businesses AI Still Can't Replace

Tue, 21 Jul 2026 05:00:00 -0700

AI is changing the workforce faster than ever, leaving many people wondering what careers and businesses will still thrive in the years ahead. In this episode, we explore a recent Forbes article on why more people are buying blue-collar businesses, what makes certain careers resistant to AI, and how human connection is becoming one of the most valuable skills in the economy.

Think beyond technology when planning your future. AI will reshape many industries, but careers built around physical skills, human relationships, and hands-on service are likely to remain in high demand.
The next opportunity may already exist. Thousands of baby boomer business owners are preparing to retire, creating opportunities to purchase established local businesses with loyal customers and proven systems.
Human connection is becoming a competitive advantage. Coaching, pet care, hospitality, healthcare, recreation, and community-centered businesses offer something AI can’t easily replicate: real relationships and trust.
Your side hustle doesn’t have to stay a drip or trickle. Many successful businesses started as simple experiments before growing into a flow or flood.
AI-proofing your career starts with curiosity. Brainstorm ideas, talk to local business owners, explore industries you’re naturally drawn to, and don’t be afraid to test a “drip” before committing to something bigger. The best opportunities often come from trying something new.

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#67. What a Top Script Consultant Can Teach You About Multiple Income Streams (with Pilar Alessandra)

Tue, 14 Jul 2026 05:00:00 -0700

Not every successful business is built around one product, one offer, or one paycheck.

This week, we’re joined by legendary script consultant, author, professor, and podcast host Pilar Alessandra to explore how she built a thriving 25-year career by layering multiple income streams around a single area of expertise. From private consulting and online classes to books, speaking, teaching at a university, and podcasting, Pilar shares how each chapter of her career led naturally to the next. We also dive into why perseverance matters more than overnight success, the power of saying no, and how creative entrepreneurs can build businesses that evolve alongside their lives.

#1. One expertise can create many income streams.

Pilar built a sustainable business by expanding one core skill, storytelling, into coaching, teaching, books, speaking, and consulting.

#2. Build your business around the season of life you’re in.

Instead of fighting changing priorities, Pilar redesigned her business to fit motherhood, evolving goals, and new opportunities, creating a career that grew with her.

#3. Keep creating while your opportunities catch up.

Success rarely comes from one breakthrough. The creatives who thrive continue producing new work so they’re ready when the next opportunity arrives.

#4. Your reputation compounds over time.

The relationships you build today can become clients, collaborators, referrals, and career-changing opportunities years, or even decades, later.

#5. Sustainable success comes from knowing what to say no to.

Focusing on the work you’re uniquely positioned to do creates a stronger business than trying to be everything to everyone.

Visit Pilar’s website, listen to her podcast, or pick up a copy of her book.

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#66. What Rent Prices Across America Can Teach You About Building Wealth

Tue, 07 Jul 2026 05:00:00 -0700

How much income do you actually need to afford rent in today’s economy? In this episode, we’re breaking down new data showing the salary required to comfortably rent a home across every U.S. state, and what those numbers reveal about the changing cost of living in America.

Beyond the headlines, we explore how housing costs impact career decisions, remote work, real estate investing, entrepreneurship, and long-term wealth building. Whether you’re thinking about relocating, buying investment property, or trying to make smarter financial decisions, understanding these trends can help you see opportunities that many people overlook.

1. Housing affordability varies dramatically across the country.

The income needed to comfortably rent a modest home ranges from roughly $39,000 in some states to well over $100,000 in others, making location one of the biggest drivers of your financial health.

2. Lower rent doesn’t always mean lower costs.

Before relocating, consider the full financial picture, including taxes, insurance, employment opportunities, and other living expenses that can dramatically affect your budget.

3. Remote work creates new financial opportunities.

If your income isn’t tied to your location, moving to a lower-cost area could significantly improve your cash flow and accelerate your financial goals.

4. Economic data can uncover investment opportunities.

Regional housing trends, rental demand, and job growth can all provide valuable clues for real estate investors looking for markets with long-term potential.

5. Financial literacy starts with understanding the bigger picture.

Knowing how housing costs, wages, taxes, and regional economies work together allows you to make more informed decisions about where to live, invest, build a business, and grow your wealth.

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#65. How to Start a Mobile Coffee Trailer Business (with Bean Water)

Tue, 30 Jun 2026 05:00:00 -0700

Ever wondered what it takes to start a local coffee business? In this episode, we sit down with Victoria and Amber, the founders of Bean Water, to talk about how they left their careers as teachers to launch a mobile coffee trailer. They share the realities of starting a coffee business—from learning to make specialty drinks and navigating permits to building a loyal customer base through community, social media, and great customer service. Whether you're dreaming of opening a coffee shop, launching a coffee trailer, or starting any small business, this conversation is packed with practical lessons and honest advice from entrepreneurs who built it from the ground up.

1. Courage often comes from having support.

Leaving a secure career takes courage, support, and the confidence to believe in what's possible.

2. Your original vision may not be your best opportunity.

Bean Water was supposed to be a brick-and-mortar coffee shop. When circumstances changed, the founders embraced a mobile model that ultimately brought them even closer to the community they hoped to serve.

3. Great partnerships aren’t about being the same.

Victoria and Amber’s success comes from complementary strengths—one is action-oriented, the other analytical—and a foundation of trust built over years of friendship.

4. Running a business means constantly learning.

From coffee making and trailer logistics to permitting, marketing, and seasonal menus, entrepreneurship requires a willingness to keep learning every single day.

5. Community is the real product.

While Bean Water serves exceptional coffee, what keeps customers coming back is the experience: genuine connection, familiar faces, and becoming part of the communities they serve throughout Whatcom County.

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#64. How the Get Rich Quick Mindset Keeps You Broke

Tue, 23 Jun 2026 05:15:00 -0700

Everyone loves the story of the overnight success, the lucky break, the winning lottery ticket, or the investment that turns a few dollars into a fortune. But what if that mindset is actually holding people back from building real wealth?

In this episode, we discuss a recent article about Treasury Secretary Scott Bessent on lottery culture — the growing obsession with quick financial wins. We discuss why so many people are drawn to shortcuts, how social media fuels the illusion of overnight success, and why sustainable wealth is almost always built through consistent habits, smart decisions, and long-term thinking.

The “lottery mindset” extends far beyond lottery tickets.

Whether it’s investing, business, health, or relationships, many people are drawn to shortcuts and dramatic breakthroughs instead of consistent progress.

Most success stories leave out the years of work behind the scenes.

We hear about the flood of success, but rarely the years of drips, trickles, and steady effort that made it possible.

You can create your own luck through systems and habits.

Rather than waiting for the perfect opportunity, focus on building routines, skills, and income streams that position you to benefit when opportunities arise.

Financial education is one of the best defenses against bad decisions.

Understanding how money, investing, and risk actually work makes it much easier to spot scams, hype, and unrealistic promises.

If someone is selling a shortcut, ask how they made their money.

There’s a big difference between someone who has successfully built wealth through a strategy and someone whose primary business is selling the dream of that strategy to others.

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#63. Mount Kilimanjaro, a Guinness World Record, and the Power of Failure (with Ryan Greigg)

Tue, 16 Jun 2026 05:00:00 -0700

What happens when you spend nine months training for a Guinness World Record attempt and come home without the record?

In this inspiring episode of Drip, Trickle, Flow, Flood, we sit down with Bellingham real estate agent, entrepreneur, and adventurer Ryan Greigg to unpack his extraordinary journey to Mount Kilimanjaro. What began as a dream on a vision board became a life-changing expedition that challenged Ryan physically, mentally, and emotionally.

Ryan shares how a series of personal hardships, including divorce, grief, and career reinvention, led him to embrace fitness, discipline, and personal growth. Along the way, he developed the mindset that ultimately carried him to Africa’s highest peak and into an ambitious attempt to set a Guinness World Record.

This conversation explores goal setting, resilience, morning routines, personal accountability, public commitment, failure, success, and why the biggest victories often happen long before you reach the summit. Whether you’re pursuing a business goal, financial milestone, fitness challenge, or lifelong dream, Ryan’s story offers powerful lessons on becoming the person capable of achieving what once seemed impossible.

In This Episode:

Climbing Mount Kilimanjaro and attempting a Guinness World Record
The connection between adversity and personal transformation
Why big goals should scare you a little
How public accountability can accelerate growth
The surprising emotional impact of “failing” after achieving something extraordinary
Morning routines, meditation, journaling, and long-term success
Why the journey matters more than the outcome

5 Key Takeaways

1. Big goals are meant to change you.

Ryan shares a powerful reframe: the purpose of a goal isn’t necessarily to achieve it perfectly. The real purpose is to become the person capable of pursuing it. The growth happens during the climb, not at the finish line.

2. Failure is often just success wearing a different disguise.

Although Ryan initially viewed the experience as a failure because he didn’t achieve the Guinness World Record, reflection helped him realize he’d accomplished something extraordinary. Sometimes our expectations prevent us from recognizing our victories.

3. Publicly declaring your goals creates accountability and inspiration.

Rather than keeping dreams private, Ryan believes in sharing them. Telling others what you’re pursuing creates accountability, strengthens commitment, and can inspire people around you to pursue their own ambitions.

4. The drip-trickle-flow-flood principle applies to everything.

Whether it’s fitness, business, wealth building, relationships, or personal development, meaningful results rarely happen overnight. Consistent effort over time creates momentum that eventually compounds into extraordinary outcomes.

5. Reflection is as important as achievement.

After accomplishing a lifelong dream, Ryan resisted the urge to immediately chase the next goal. Through meditation, journaling, and time in nature, he’s focused on understanding who he became through the process and what comes next.

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#62. Why Saying No Creates More Opportunities

Tue, 09 Jun 2026 09:00:00 -0700

Saying yes can open doors, but saying no often determines which doors are worth walking through.

In this episode, we explore why “no” might be one of the most important words in business, money, and life. We share stories about opportunities that looked good on paper but created stress, distraction, and commitments that lasted far longer than expected.

Whether you’re deciding on a new project, considering a partnership, or simply feeling overwhelmed by too many options, this episode offers practical ways to make better decisions and create more space for what matters most.

Every “yes” comes with a hidden commitment.

What looks like a simple opportunity often includes months or years of work behind the scenes. It’s important to evaluate the reality of the commitment, not just the exciting outcome.

Trust your intuition.

We discuss the physical signals we experience when something isn’t right. Ignoring those signals has often led to our biggest business headaches.

Opportunities should fit your current season of life.

A great opportunity at the wrong time can still be the wrong opportunity. Consider whether a project aligns with the lifestyle, flexibility, and priorities you want right now.

Most ideas don’t deserve a yes.

Melissa shares that she says no to the majority of her own ideas. Being selective creates space to fully commit to the projects that matter most.

Saying no creates room for better yeses.

When you decline opportunities that drain your time, energy, or attention, you free yourself to pursue the work, relationships, and experiences that are better aligned with your goals.

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#61. The Long Road to Becoming a Working Screenwriter

Tue, 02 Jun 2026 05:00:00 -0700

What does it actually take to build a creative career from scratch? In this episode, Melissa is in the hot seat and pulls back the curtain on her journey from marketing professional to working screenwriter with multiple produced films and a major feature project in development. Along the way, she shares how she spent years learning the craft, building relationships, handling rejection, and developing the business skills that most creatives overlook. Whether you’re dreaming of writing a screenplay, starting a business, launching a creative project, or simply pursuing something that matters to you, this conversation is a reminder that persistence, skill-building, and a willingness to keep showing up often matter more than having a perfect roadmap.

There Is Rarely One Path to Success

Creative careers don’t follow a predictable blueprint. Melissa shares how her journey included mentorship, networking, writing specs, learning the business side, and years of effort before earning her first paid screenwriting job.

Build Skills Before You Need Them

Long before she sold a script, Melissa spent years studying the craft, working with a mentor, reading scripts, and learning how stories are structured. Success often comes from preparation long before opportunities appear.

Business Skills Matter Just as Much as Creative Skills

Many creatives focus exclusively on their art. Melissa explains why networking, negotiation, communication, and understanding how business works have been just as important to her career as writing itself.

Rejection Is Part of the Process

From script notes to project passes to opportunities that never materialized, rejection is woven into every creative industry. Learning to separate feedback from personal identity is one of the most valuable skills you can develop.

Persistence Often Beats Talent Alone

The people who succeed aren’t always the most naturally gifted. They’re often the ones who keep learning, keep improving, keep making connections, and continue showing up long after others have quit.

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#60. Building a Creative Life with Multiple Income Streams (with Madison Campione)

Tue, 26 May 2026 05:00:00 -0700

What does it look like to pursue a creative dream while still paying the bills? In this episode of Drip Trickle Flow Flood, we sit down with filmmaker and creative entrepreneur Madison Campione, founder of Wanderlust Films, to talk about building a sustainable creative life through multiple income streams. From corporate video editing and creative consulting to Etsy murder mystery games, dog sitting, and developing her own production company, Madison shares how she’s funding her filmmaking ambitions while creating a lifestyle rooted in creativity, flexibility, and community.

Creative dreams often require practical income streams
Madison shares how freelance editing, video production, and side gigs help fund her larger vision of building a production company and developing original film and TV projects.
Dream-adjacent work can strengthen your creative career
Even when the work isn’t exactly the dream, staying connected to storytelling, editing, writing, and production keeps creative muscles sharp and opens unexpected doors.
Multiple income streams create flexibility
Madison explains how diversified income allows her to pursue long-term creative goals without giving up stability.
Building community matters in creative industries
Madison talks about the importance of networking, collaboration, and local community support in bringing independent creative projects to life.
Creative entrepreneurship can evolve over time
Madison is expanding beyond filmmaking into coaching, courses, writing, and community-building for women filmmakers, showing how one creative passion can branch into many opportunities.

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#59. The Surprisingly Lucrative Business Hiding in the Backyard (with Bob Pierce, SoCal Grill Cleaning)

Tue, 19 May 2026 05:00:00 -0700

What happens when a side hustle built around cleaning grills turns into a thriving business with employees, recurring revenue, celebrity clients, and a full operational team? In this episode of Drip, Trickle, Flow, Flood, we sit down with Bob Pierce, owner of Southern California Grill Cleaning and Repair, to unpack the brilliant business model behind his company. Bob shares how he launched the business while working rotating 12-hour shifts at an oil refinery, the hard lessons he learned about hiring and scaling, and why customer experience is what truly sets a business apart.

Bob shares:

A “small idea” can become a real business if you lean into it.
Bob originally thought he’d clean four or five grills a month as a hobby. Instead, demand exploded, forcing him to decide whether to stay small or build something scalable.
You don’t need every skill before you start.
Bob openly admits he wasn’t mechanically inclined when he launched the business. He learned through YouTube, experience, and by hiring people smarter than him in areas where he lacked expertise.
Customer experience is the real differentiator.
Since anyone can technically clean a grill, Bob focuses heavily on friendliness, professionalism, communication, and resolving complaints quickly. That attention to service helped the company build hundreds of five-star reviews.
Recurring revenue creates stability.
One of the smartest shifts Bob made was introducing service plans with monthly billing for recurring grill cleanings. It helped smooth out seasonal income and strengthened long-term customer relationships.
Multiple income streams don’t have to “match.”
Bob also built a side income stream narrating audiobooks, including romance novels and niche fiction. Income opportunities often come from unexpected places!

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#58. Don’t Invest In Real Estate Until You Hear This

Tue, 12 May 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we break down a CNBC article about a young investor who owned five rental properties by age 25 but later called real estate her biggest money mistake.

We unpack some of the most common investing pitfalls, and Tony shares lessons from his own 25 years in real estate investing.

The purchase price is only the beginning.
Many new investors underestimate the true cost of owning real estate. Maintenance, repairs, taxes, insurance, utilities, vacancies, and surprise expenses can all dramatically impact profitability.
Over-leveraging creates unnecessary risk.
Using too much debt can leave investors vulnerable when markets soften, rents drop, or vacancies rise. Having reserves and making larger down payments can provide more stability and flexibility.
The math has to work.
Emotional decisions can quickly derail an investment strategy. Whether it’s a bidding war or falling in love with a property, successful investing requires discipline and sticking to your numbers.
Market research never stops.
Understanding neighborhoods, rental demand, appreciation trends, and pricing is an ongoing process.
Every property should have a strategy and a backup plan.
Different investments serve different purposes, from cash flow to appreciation to flips.

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#57. Building a Hot Sauce Empire (with Funky's Hot Sauce)

Tue, 05 May 2026 05:00:00 -0700

In this episode, we sit down with Matthew Mini, founder of Funky’s Hot Sauce, to explore how a backyard hobby turned into a nationally recognized brand featured on “Hot Ones.” From growing peppers and experimenting with fermentation to navigating licenses, scaling production, and managing multiple income streams, Matt shares the real story behind building a food business from the ground up.

We discuss:

1. Start small, but start for real

Matt didn’t wait for perfection. He launched with one product, tested locally, and expanded only after demand proved itself.

2. Your “fast money” funds your dream

Having another flow allowed Matt to grow the business without pressure, giving him time to experiment and reinvest strategically.

3. One moment can change everything

Winning a major award led to explosive growth, but it also required quick pivots in production, fulfillment, and infrastructure.

4. Multiple income streams are essential

Between farmers markets, wholesale, online sales, and national exposure, diversified channels helped stabilize cash flow throughout the year.

5. Growth creates complexity

From acquiring a barbecue sauce company to managing two brands, Matt highlights the importance of evaluating what expands your business versus what overwhelms it.

Get some Funky’s Hot Sauce

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#56. Fast Money Funds Slow Dreams

Tue, 28 Apr 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we explore the idea that fast money can fund slow dreams. Whether you’re starting a business, writing a book, launching a creative career, or simply trying to create more flexibility in your life, this conversation will help you rethink how income, sacrifice, and small financial wins can work together to create long-term momentum.

1. Fast money doesn’t have to be a lot of money.

It simply means income that comes in quickly and consistently, even if it’s small. Those small amounts can create stability and reduce stress while you pursue bigger goals.

2. Look for the lowest hanging fruit and adjacencies.

The best side income often connects to your existing skills or interests. It doesn’t have to be your dream job, but it should support your dream in some meaningful way.

3. Financial breathing room creates creative freedom.

When your basic needs are covered, you gain the mental space to focus, think clearly, and make progress on long-run goals.

4. Small savings and income streams compound over time.

Cutting one expense or earning one small payment may not feel significant in the moment, but consistency turns drips into trickles and eventually into flows.

5. Every dream requires trade-offs.

Whether it’s working extra hours, living below your means, or taking on temporary work, progress often comes from being intentional about what you’re willing to sacrifice now for what you want later.

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Check out Angie’s salon here.

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#55. Start and Grow a Successful Salon Business (with Angie Nordby of Ardor Salon)

Tue, 21 Apr 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with Ardor salon owner Angie Nordby to talk about what it really looks like to turn a skill into a business and a business into multiple income streams. From renting a chair to leading a team of stylists, Angie shares how mentorship, community, and a willingness to keep learning created new opportunities she never planned for.

1. Your first income stream is rarely your last

Angie started doing hair behind the chair, then added education, leadership, and eventually salon ownership. The lesson here is simple but powerful: growth usually comes from expanding what you already know how to do.

2. Relationships create opportunities you can’t plan for

Her financial advisor, accountant, and even business connections came from conversations with clients. That’s a reminder for entrepreneurs that visibility and connection are not optional.

3. You don’t need a perfect plan to grow

Angie didn’t set out to build a large salon. She took the next logical step, then the next one after that. Clarity came from action.

4. Multiple income streams often start as passion projects

Her education work started because she loved mentoring other stylists. Over time, that passion became a new stream of income and influence.

5. Growth requires discomfort and energy

There’s a lot of talk about balance, but many entrepreneurs build success during seasons of focused effort. The key is making sure the work still connects to something meaningful and energizing.

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#54. Scam Prevention Tips to Protect Your Money

Tue, 14 Apr 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we take a close look at the growing world of scams and why they are becoming harder to spot. Today’s scams are sophisticated and often emotionally manipulative, targeting people at vulnerable moments or presenting opportunities that feel completely believable. We talk about how modern scams actually work, why even financially savvy people can fall for them, and how awareness and conversation are some of the strongest ways to protect yourself. The goal is not fear. It is readiness, skepticism, and protecting the money you work so hard to earn and keep.

Scams are now relationship-based.
Many scammers build trust over weeks or months before asking for money, which makes them far more convincing than the old “click here” scams.
Financial literacy is your first line of defense.
Understanding how institutions actually communicate, especially banks and the IRS, helps you recognize when something feels off.
Urgency is a major red flag.
Any message pushing you to act immediately, send money fast, or avoid verification should trigger your skepticism.
Shame keeps people stuck longer than the scam itself.
Talking openly about suspicious situations or mistakes can stop losses early and help others avoid the same trap.
Always go to the source.
Instead of responding to emails, texts, or calls, log into the official website or contact the organization directly using verified information.

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#53. One Year, 50+ Episodes, and What We’ve Learned About Money and Life

Tue, 07 Apr 2026 05:00:00 -0700

After a full year and more than 50 episodes, we’re taking a step back to reflect on what this journey has taught us about money, identity, and the power of conversation. What started as a way to test ideas for a book quickly became something much bigger. We’ve heard from listeners who are finally talking about money with their families, rethinking what success looks like, and exploring new ways to build income and flexibility.

In this episode, we share the biggest lessons from the past year, the stories that stuck with us, and why simply starting before you feel ready can change everything. As we often say, money doesn’t just come from one place. It drips, trickles, flows, and floods into our lives in different ways.

1. Talking about money changes everything

One of the most powerful outcomes of the podcast has been hearing that listeners are starting conversations they never had before. Money can feel uncomfortable to discuss, but normalizing those conversations creates clarity, confidence, and better decisions for families and businesses.

2. There is no single “right” way to build a life

Some people use their income streams to move across the world. Others build businesses right in their own backyard. Both paths are valid. The real goal is designing a life that supports your values, priorities, and sense of freedom.

3. Identity can hold people back from diversifying income

Many creatives and professionals struggle with the idea of doing more than one thing because they want to be known for a single role. Letting go of that rigid identity often opens the door to new opportunities and financial stability.

4. You don’t have to be ready to begin

This podcast started without perfect equipment, a polished plan, or a clear roadmap. Progress came from showing up consistently and learning along the way. Waiting for perfection is often the biggest barrier to starting.

5. Flexibility and freedom matter more than status

For many people, the ultimate goal isn’t wealth or material things. It’s the ability to attend a child’s game, take a vacation, or choose how to spend their time. Multiple income streams can create that flexibility, even if the path looks different for everyone.

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#52. What It Really Takes to Run a Profitable Consignment Boutique (with Kristen Armstrong of Ensemble Consignment)

Tue, 31 Mar 2026 05:00:00 -0700

In this episode, we sit down with Kristen Armstrong, founder of Ensemble Consignment, who went from banking to building a thriving retail business with multiple locations and a loyal nationwide customer base.

Kristen shares how relationship-building became her competitive advantage, why word of mouth still beats expensive advertising, and how trusting your instincts can open doors you never expected.

1. Relationships are the real product.

Kristen believes her business is not just about clothing. It is about how people are treated. Remembering customers, making things easy, and delivering a great experience creates loyalty that advertising cannot buy.

2. Word of mouth is still the most powerful marketing tool.

Instead of spending heavily on ads, Kristen focuses on giving customers an experience worth talking about. When people feel valued, they naturally tell others, and that momentum builds a business.

3. Convenience creates growth.

Offering services like porch pickups, styling and easy purchasing through social media removes friction for customers. The easier you make it for people to do business with you, the faster your business can expand.

4. You do not have to know everything to start.

Kristen launched her first store with $5,000, used equipment from Craigslist, and a willingness to try.

5. Trusting your team is the next level of entrepreneurship.

Growth requires letting go of control. Training people well and trusting them to run operations allows a business owner to scale beyond a single location.

Check out the Ensemble Consignment website and follow them on Instagram (Nashville and Charleston)

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#51. Bring a Product to Market: Manufacturing, Funding, and Launching a Physical Product with Tally Tumbler’s Kelvin Sealy

Tue, 24 Mar 2026 05:00:00 -0700

In this episode, we sit down with entrepreneur Kelvin Sealy, founder of Tally Tumbler, to talk about the messy middle of building a product, the power of niche communities, and how passion projects can evolve into real income streams. From launching bocce ball leagues to creating a product now sold nationwide, Kelvin’s journey is a masterclass in resilience, patience, and playing the long game. If you’ve ever wondered whether your idea is worth pursuing, this conversation will give you the push you need.

1. You don’t need to know everything to start, just be willing to figure it out.

Kelvin didn’t have manufacturing experience or product design training. He learned by researching, asking questions, and trying anyway.

2. Most success stories are built on rejection.

He contacted more than 40 manufacturers before finding one willing to produce his product. That stretch of rejection was part of the process.

3. Start small, grow steady, and protect your cash flow.

Instead of chasing fast growth or taking on debt, Kelvin and his partner reinvested profits and expanded slowly. That discipline allowed the business to become profitable and sustainable.

4. Opportunities multiply when you show up in the right rooms.

Trade shows became a turning point for the business. One event led to retailer relationships, new customers, and the momentum to go full-time.

5. Multiple income streams don’t happen overnight.

What began as a bocce league turned into a podcast, which led to partnerships, which led to a product, which became a full-time business. That’s the Drip → Trickle → Flow → Flood in action.

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#50. Bring a Product to Market: Shampoo, Sustainability, and Storytelling with SeaBar's Greg Dayley

Tue, 17 Mar 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, the first in our two-part “bringing a product to market” series, we sit down with Greg Dayley of SeaBar, a natural shampoo and conditioner bar company on a mission to reduce plastic waste and rethink how everyday products are made. Greg shares his unexpected path to the world of haircare, social media, and sustainable product innovation. He takes us behind the scenes of building a physical product from scratch, developing a brand rooted in story and mission, and learning what it really takes to bring an idea to market.

1. Great businesses often start with a simple frustration.

Greg’s idea for SeaBar came from a basic but powerful realization: many shampoo bottles are mostly water, and people are essentially buying bottled water to use in the shower. That small moment of noticing a problem became the spark for an entirely new product.

2. Story matters just as much as the product.

One of Greg’s biggest lessons is that selling is storytelling. People don’t just buy what something is. They buy what it means, what it solves, and the bigger mission behind it. For Greg, that meant building a brand around sustainability, convenience, and reducing waste in a way that feels practical, not preachy.

3. Start smaller than you think you need to.

For anyone wanting to launch a product, Greg emphasizes testing on the smallest scale possible. Before investing huge amounts of money, prove the concept, create rough versions, get feedback, and learn what works. Early experimentation can save you from expensive mistakes later.

4. Making your own product gives you more control.

Greg chose to formulate and manufacture SeaBar himself. That decision gave him a deeper understanding of the product, more flexibility, and more ownership over quality. It also allowed him to create something genuinely different rather than a slightly repackaged version of what already exists.

5. Mission-driven brands still need to be excellent businesses.

Greg is passionate about reducing plastic waste and helping clean up ocean trash, but he is clear that mission alone is not enough. A product has to work well, be convenient, and make sense financially. The strongest businesses pair purpose with quality, practicality, and a real value proposition.

Check out SeaBar.

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#49. Skip the Startup: Why Buying a Business Might Be Smarter

Tue, 10 Mar 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we unpack a growing trend: millennials skipping the startup grind and instead buying existing businesses. Inspired by a recent Entrepreneur Magazine article, we explore the model known as entrepreneurship through acquisition (ETA) and why it may be a smarter, more sustainable path to wealth-building.

If you’ve ever wondered whether starting from scratch is the only path, this episode might open up a whole new strategy.

1. Buying a Business Reduces Unknown Risk

Startups are filled with unknowns. With an existing business, you can review profit and loss statements, customer history, and expenses. There’s math behind the risk, and that math gives you leverage.

2. Baby Boomers Are Creating a Unique Window of Opportunity

Many retiring owners don’t have successors. They want their businesses to continue. That emotional factor can create flexible deal structures like seller financing, profit-sharing arrangements, or creative contracts.

3. “Boring” Businesses Can Be Highly Profitable

Laundromats, plumbing companies, mailbox stores - these may not feel glamorous, but they’re essential. They’re harder to disrupt with technology and deeply embedded in communities.

4. Entrepreneurship Through Acquisition Can Be More Aligned With Modern Values

Millennials and Gen Z increasingly value independence, sustainability, and work-life balance. Acquiring a business can offer ownership without the extreme burnout culture of venture-backed startups.

5. Opportunity Favors the Visible

Some of the best business acquisition opportunities come from conversations. Tony shares how simply being known in the community led to business owners approaching him. Sometimes the strategy to buy a business is just telling people, “I’m looking to buy a business.” Visibility creates deal flow.

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#48. Passive Income for People Who Like Their Free Time

Tue, 03 Mar 2026 05:00:00 -0700

Passive income gets talked about constantly, but most of what is labeled passive actually requires starting another business, building another brand, or taking on another job.

In this episode, we are talking about something different.

What if you like your job and your free time and don’t want a side hustle?

We explore passive ways to begin creating additional income streams using today’s unprecedented accessibility to investing, from dividend stocks to index funds to fractional real estate ownership and even startup investing.

This is about building drips and trickles that may grow into flows without adding more meetings, more clients, or more work to your life.

Because sometimes the most powerful income stream is the one that quietly works while you don’t.

#1. Passive income does not have to mean starting a business

You don’t need a course, digital products, or side hustle to create additional income. Today, there are ways to generate passive returns without trading time for money.

#2. Accessibility in investing has changed everything

With no fee trades and fractional investing, you can start with as little as 50 to 100 dollars and begin building income streams through dividend stocks or index funds.

#3. Habits matter more than amounts

Small, consistent investments build both financial momentum and confidence. Creating the habit of participation often matters more than the initial dollar value.

#4. Real estate is no longer all or nothing

Fractional ownership platforms allow everyday investors to earn rental income without managing tenants, repairs, or property headaches.

#5. Different streams serve different roles

Some passive strategies create steady drips, like dividends, while others aim for long term flood potential, like startup investing. A mix can create resilience over time.

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#47. Building Revenue Streams in One "Pond" (with Lindsey Moceri)

Tue, 24 Feb 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with our most mysterious (and most requested) guest yet: Lindsey Moceri! (Tony’s better half 😄)

Lindsey is the definition of Drip Trickle Flow Flood in real life, juggling screen printing, vacation rental management, volleyball coaching, content creation, design, and community leadership, all while keeping flexibility at the center of her work.

From building income streams that live in the same “pond,” to designing systems that remove friction for customers, Lindsey shares how relationships, service, and creativity power her multi-hyphenate lifestyle.

1. Your income streams don’t have to feel scattered.

Lindsey’s work all flows through the same pond: schools, sports, families, and relationships. Different projects, same ecosystem.

2. Customer service is a superpower.

From handwritten names on bags to incredible communication, Lindsey proves that small touches create big loyalty and repeat business.

3. Flexibility is the real currency.

Multiple streams matter, but being able to set your own schedule, show up for your kids, and coach in the afternoons is the real win.

4. Start scrappy and grow from there.

Her screen printing business began with a low-budget, at-home setup and zero overhead, then expanded organically through word of mouth.

5. Use different parts of your brain (and body).

Designing, printing, coaching, hosting guests. Mixing physical work with creative and relational work keeps burnout at bay and life interesting.

Check out Lindsey’s website: https://lindseymoceri.com/

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#46. Building a revenue stream by showing up for your community (with Whatcom Preps)

Tue, 17 Feb 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with Tyler Anderson, founder of Whatcom Preps, the digital home for high school sports coverage in Whatcom County.

What started as an eighth-grade stat-tracking hobby turned into a full-time, community-powered business that now covers nearly 90% of local sports, helps student athletes get college looks, and connects families across generations.

Tyler shares how he spent years building Whatcom Preps, why he’ll never put his content behind a paywall, and how showing up consistently (in brightly colored shorts, no less) created trust, sponsorships, and multiple revenue streams.

If you’ve ever wondered how people build a revenue stream by serving their communities first, this one’s for you.

1. Start with service, not strategy.

Tyler didn’t launch Whatcom Preps with a business plan. He started by solving a real problem: local high school sports coverage disappearing. Everything else followed.

2. Consistency compounds.

Four and a half years of unpaid work built relationships, credibility, and momentum. That steady effort is what eventually unlocked sponsorships, donations, and social monetization.

3. Multiple income streams don’t have to be complicated.

From sponsors and social media payouts to $1 subscriptions, legacy supporter pages, and community donations, Tyler proves you can layer small revenue sources into a livable income.

4. Visibility matters.

Showing up in person, delivering Gatorade himself, talking to coaches, and being present in the community turned Tyler from “a website” into a trusted human.

5. Being a day maker pays off.

Whether it’s grandparents reading about their grandkids or athletes seeing their names in print, Tyler’s work creates emotional impact and that goodwill comes back around.

Check out Whatcom Preps and follow them on Instagram

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#45. How Rising Salaries Stack Up Against the Cost of Living

Tue, 10 Feb 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we dig into a timely article on how median salaries shifted across the U.S. and what those numbers really mean in real life. From remote work reshaping entire regions to why a raise doesn’t always feel like a raise, we unpack the hidden stories behind state-by-state income data, share personal observations from Washington and Hawaii, and explore creative ways people are leveraging geography, flexibility, and strategy to build wealth. If you’ve ever wondered how location impacts your earning power (or how to play the long game with income), this one’s for you.

Median incomes may be rising, but cost of living often rises right alongside them, so higher pay doesn’t automatically mean more financial freedom.
Remote and hybrid work are quietly reshaping local economies, driving up housing costs and salaries in unexpected places far outside major cities.
Big employers and corporate hubs can dramatically skew state averages, creating pockets of wealth that don’t reflect the broader region.
Some people are strategically earning high salaries in expensive areas early on, then moving to lower-cost states to stretch savings and investments further.
Thinking long-term about where you work, where you live, and how you stack and deploy income can create powerful flexibility across different seasons of life.

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#44. Hidden Gems: Turning Expertise Into Effortless Income with Ronii Bartles

Tue, 03 Feb 2026 05:15:00 -0700

What happens when you stop treating income like a single lane and start building it like an ecosystem? In this episode of Drip Trickle Flow Flood, we sit down with Ronii Bartles, business manager, strategist, jewelry curator, Zumba instructor, and CEO of Simplicity, to talk about how expertise, trust, and simplicity can unlock unexpected (and surprisingly easy) income streams.

From uncovering hidden value in inherited jewelry to dismantling the myth that “busy” equals productive, Ronii shares how a strong personal brand can support multiple revenue paths without burnout.

Expertise creates opportunity.
Becoming deeply knowledgeable in one area often reveals niche problems people are desperate to solve and willing to pay for.
Community is a revenue multiplier.
Ronii’s jewelry business grew organically from relationships built in her Zumba classes - proof that trust often comes before the offer.
Simplicity scales better than hustle.
Multiple income streams don’t have to mean complexity. When everything ladders back to one clear personal brand, it actually gets easier.
Busy is not the same as productive.
Activity without revenue is just noise. Ronii breaks down how focusing on revenue-producing work changed everything.
Different income streams use different energy, not more energy.
Physical movement, tactile work, and analytical tasks balance each other out and prevent burnout when designed intentionally.

Check out Ronii’s website or follow her on Instagram.

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#43. Women Inheriting Wealth: What It Means for the Finance Industry

Tue, 27 Jan 2026 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we dig into a headline that could reshape everything: women are poised to inherit an estimated $47 trillion of the projected $124 trillion wealth transfer.

We unpack what that shift means for women, and for the financial industry, financial advisors, investing strategies, and even the kinds of businesses that may thrive next. If the money is changing hands, the systems around it will have to change too… and the big question is: is the finance industry ready?

This conversation covers representation in financial services, how firms market to women (or fail to), why being heard matters as much as returns, and where women may choose to invest when they finally have a bigger seat at the table.

A massive wealth shift is coming, and the industry isn’t ready yet.
The episode highlights how women are expected to receive a major portion of the upcoming wealth transfer, while financial advising remains male-dominated. That gap creates a real opportunity (and a real problem) for firms that don’t evolve.
Representation matters, but so does how advisors communicate.
It’s not only about hiring more women (though that matters a lot). It’s also about advisors of any gender learning how to engage women clients without assumptions, including who the “decision maker” is when couples walk in the door.
We don’t fully know women’s investing behavior… because women haven’t always been in the room.
It’s hard to draw conclusions about “how women invest” when so many women have historically been excluded from the networks and spaces where investing opportunities happen.
This shift could change where money goes, from industries to asset classes.
We explore how increased female control of wealth could shape investment choices (risk tolerance, industries, goals-based planning), and even spending patterns, which can influence market trends and business opportunities.
This is a career and business opportunity, especially for women.
As money changes hands, many people will look for new advisors and a more values-aligned “money team.” We point out that finance careers (advisors, bankers, accountants, real estate investing) may become even more in-demand, and the human element will still matter.

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Check out Shanice’s work here

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#42. From Mom to Multi-Hyphenate: Building a Business That Grows With You (with Shanice Bannis)

Tue, 20 Jan 2026 03:00:00 -0700

What if getting organized wasn’t about perfection, but about freedom? In this episode of Drip Trickle Flow Flood, we sit down with Shanice Bannis, founder of City of Creative Dreams, a lifestyle brand that blends organization, creativity, and real-life practicality into a business that’s been growing for over 12 years. From starting a blog as a new mom searching for identity, to building multiple income streams through printables, Etsy, guest posts, affiliate links, remote organizing, and brand partnerships, Shanice’s story is a masterclass in letting your work evolve with you. This conversation is equal parts inspiring, tactical, and deeply relatable for anyone trying to build income without losing themselves in the process.

We discuss:

Your first idea doesn’t have to be your final one.
Shanice started by throwing her passions at the wall — organizing, motherhood, weddings, DIY — and let time reveal what stuck. That freedom is what made her brand sustainable for over a decade.
Your passion can be a business model.
From digital products and Etsy downloads to remote closet designs and affiliate income, Shanice proves that systems can become services.
You don’t need to scale everything at once.
Some income streams drip. Some trickle. Some surprise you. Shanice tests ideas, lets them live, and only grows what feels aligned, no forced hustle required.
Remote services are powerful (and underrated).
Her virtual organizing business helps clients see through clutter without anyone stepping foot in their home, a perfect example of solving a real problem creatively.
Organize for who you are now, not who you used to be.
Shanice’s biggest tip: organize imperfectly. Your systems should evolve as your life evolves, and that applies to money, business, and creativity too.

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#41. Financial Planning for 2026

Tue, 13 Jan 2026 05:00:00 -0700

Kicking off the second week of January, we continue the financial planning conversation with a practical, no-shame approach to setting yourself up for the year ahead. From improving financial literacy and knowing your numbers to spending with intention, paying down debt without guilt, and building flexibility into your plans, this episode is about creating stability without rigidity. We also revisit the power of building the right financial team and intentionally growing your drip, trickle, flow, and flood income streams — so your money supports your life, not the other way around.

We discuss:

Financial literacy is an ongoing practice, not a finish line.
Whether it’s podcasts, books, conversations, or using AI to break things down in your own learning style, consistently investing in understanding money builds confidence and clarity over time.
Knowing your numbers creates freedom, not restriction.
Understanding what’s coming in, what’s going out, and what’s left applies to both personal and business finances. Simple systems and regular money check-ins make everything easier to manage.
Spend with intention, not guilt.
Reviewing subscriptions, travel choices, and education investments helps ensure your money aligns with what actually matters to you without cutting joy or shaming yourself.
Pay down debt without emotional baggage.
Not all debt is bad, and carrying shame only adds an unnecessary emotional cost. Owning where you are, learning from it, and moving forward is progress.
Plan for change and diversify your income streams.
Financial plans are never perfect. Flexibility, a strong support team, and intentionally growing your drip, trickle, flow, and flood income streams help you stay steady when life shifts.

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#40. Wealth Is a Team Sport (with Cheryl Hirss of Sagewater Financial)

Tue, 06 Jan 2026 06:00:00 -0700

Money decisions are rarely just about math. They’re about fear, confidence, trust, and timing. In this episode of Drip Trickle Flow Flood, we’re joined by Cheryl Hirss, owner of Sagewater Financial, to demystify what financial advisors actually do, who benefits most from working with one, and how taking emotion out of investing can dramatically change long-term outcomes. From navigating retirement transitions to managing family dynamics and building a true “financial team,” Cheryl brings a calm, grounded perspective to a world that often feels overwhelming and reactive.

We discuss:

A financial advisor’s real value is removing emotion from money decisions.
Fear and greed drive most poor financial outcomes, and having a disciplined plan helps prevent reactive buying, selling, or freezing.
There’s no “too late” — only unrealistic goals and lack of discipline.
People start working with advisors at every life stage, and progress is still possible with clear expectations and consistency.
Wealth is a system of pillars.
Investments, real estate, entrepreneurship, taxes, insurance, and estate planning all work together, not in isolation.
Couples don’t need identical money personalities, just a shared plan.
Objective risk assessments and data-driven tools can help partners find common ground without emotional conflict.
A good advisor thinks about the gaps you don’t know to look for.
From estate planning oversights to life transitions, real financial planning goes far beyond picking investments.

Learn more about Cheryl at her website: https://www.sagewaterfinancial.com/team/cheryl-hirss

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#39. A Cartoonist on Creativity, Money, and Letting the Work Lead (with Todd Webb of The Poet)

Tue, 30 Dec 2025 06:00:00 -0700

What does it look like to build a creative life over decades and make it deeply satisfying and sustainable?

In this episode, we sit down with cartoonist, illustrator, musician, and writer Todd Webb, creator of the daily comic strip The Poet. Todd shares how a project that started as a short book quietly turned into a six-year daily practice, how Substack, book collections, and pop culture art prints support his work, and why he’s more interested in enjoying the act of creation than chasing a single “big break.”

We discuss:

You don’t need one big income stream. Small creative trickles add up.
Todd’s work is supported by a mix of Substack subscriptions, book sales, art prints, conventions, and commissions. None of them are floods, but together they create enough space to keep making what he loves.
Make the thing you want to exist, not the thing you think will sell.
The Poet wasn’t designed to be a daily strip or a long-running project. It became one because Todd followed the work instead of forcing an outcome.
Giving your work away can be a powerful long-term strategy.
From mailing mini-comics to artists he admired to offering a mostly free Substack, Todd shows how generosity builds real connection over time.
Creative success doesn’t have to mean constant escalation.
Not every project needs to become a TV show, a franchise, or a brand empire. Sometimes success is simply having the time and energy to keep creating.
You get more than one chance every single day.
Missed opportunities, rejected pitches, and projects that don’t pan out aren’t dead ends. They’re material. Ideas can be reused, reshaped, and reborn when the timing is right.

About Todd

Todd Webb has been drawing the daily comic strip The Poet for the past six years. Prior to that he did a lot of other stuff like comic books and graphic novels, music, illustration, screenwriting, and animation. Find info on all of it (and subscribe to The Poet) by visiting TODDBOT.COM

Follow Todd on Instagram

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#38. From Home Alone to $72: What Inflation Really Costs Us

Wed, 24 Dec 2025 14:15:00 -0700

What does Home Alone have to do with inflation, buying power, and why your money can’t just sit still anymore? A lot more than you’d think. In this episode, we kick things off with a nostalgic look at Kevin McCallister’s $19 grocery run and use it as a lens to unpack how inflation quietly reshapes everything from groceries and housing to creative businesses, side hustles, and long-term financial security. Along the way, we connect the dots between rising costs, shifting industries, and why having multiple income streams is essential.

We discuss:

That $19 grocery bill from Home Alone would cost roughly $72 today, an easy way to see how steady inflation compounds over time.
Inflation quietly erodes buying power by 3–4% a year, which means money sitting still is effectively losing value.
Different industries feel inflation differently: digital products and subscription models often absorb it better than physical goods and service-based businesses.
Small businesses that survive economic pressure tend to adapt by reducing costs, changing models, or creating new revenue streams.

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#37. How to Build Multiple Income Streams Without Burning Out

Tue, 16 Dec 2025 05:00:00 -0700

Having multiple streams of income sounds smart in theory… until it starts feeling chaotic, exhausting, and completely unsustainable.

In this episode, we dig into the real question behind “multiple income streams”: how do you do it without burning out?

We unpack why not all income streams should be treated the same, how energy (not time) is often the real constraint, and why seasons of earning matter just as much as strategy. From life-giving work to draining-but-lucrative opportunities, this conversation reframes how to think about side hustles, creative work, and capacity in a way that actually works long-term.

If you’ve ever felt overwhelmed by the idea of adding “just one more thing,” this episode is for you.

We discuss:

1. Not all income streams should feel the same

Some streams are life-giving, others are life-taking, and that matters. A stream that energizes you can often fit more easily into your life than one that drains you, even if it takes more time.

2. Expectation misalignment is a fast track to burnout

Trying to turn every idea into a high-performing “flow” immediately is exhausting. Some streams are meant to be drips or trickles for a long time, and that’s not failure, it’s strategy.

3. Think in seasons, not forever

Income doesn’t have to be evenly distributed year-round. Short, intentional seasons of earning—whether it’s the holidays, a launch window, or a contract-heavy month—are often more sustainable than constant pressure.

4. Capacity matters more than productivity

Your emotional and mental bandwidth is finite. Understanding when you’re best suited for certain types of work (creative, physical, on-camera, administrative) helps you design income streams that fit your real life.

5. Use “capacity math” to make better decisions

Assigning a simple capacity score to each income stream can clarify what belongs in your Drip, Trickle, Flow, or Flood, and what might not belong at all. If the energy cost outweighs the return, it’s worth rethinking.

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Take Elena’s Intuition Quiz

Disclaimer:

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#36. Designing Your Life (and Income) with Intuition featuring Elena Lipson

Tue, 09 Dec 2025 06:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with intuitive coach, strategist, and podcaster Elena Lipson to talk about using intuition to craft your income streams.

Elena walks us through her evolution from corporate trainer to coach, copywriter, employee, creator, and multi–income stream entrepreneur, and how intuition guided every shift. If you’ve ever stuck with something because you’re good at it, even when your body is screaming no, this one will feel uncomfortably, beautifully familiar.

We discuss:

Why your identity is not your job title.

Elena shares how being “the coach” or “the copywriter” became her whole identity, and what it took to separate who she is from what she does, especially during big life and career pivots.

Intuition is quiet… but persistent.

Elena breaks down how intuition actually shows up (the “little voice,” sensations in your body, quick answers that bubble up before your brain talks you out of them) and simple ways to start hearing it again.

You’re allowed to change tracks more than once.

From tech to training to coaching to copywriting to content creation and podcasting, Elena shows that you can keep evolving as your seasons, values, and capacity shift, without throwing away your past experience.

Money decisions are deeply emotional and deeply practical.

Elena talks about making uncomfortable investments, unpacking old money stories, and using both intuition and logic when deciding where your money goes.

Designing your next chapter starts with one question: “What do I want?”

Whether you’re entering an “open stretch” season or just feeling the itch to change, Elena offers a gentle framework for designing a life and income that reflect your current values.

Connect with Elena

Elena’s website

Listen to Elena’s podcast: An Intuitive Life

Follow Elena on Instagram

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#35. Navigating Finances During the Holidays

Tue, 02 Dec 2025 06:00:00 -0700

In this episode of Drip Trickle Flow Flood, we dive into the real cost of the holidays. Not just the dollars, but the emotions, expectations, and financial landmines that show up between November and January. From family pressure to overspending guilt to creative alternatives that keep the joy (and ditch the debt), we share honest personal stories, practical scripts, and a few hilarious holiday fails. This is your permission slip to celebrate intentionally, spend mindfully, and ditch the holiday perfection myth once and for all.

We discuss:

1. “Perfect holidays” are expensive — but meaningful ones don’t have to be.

Social expectations and family pressure can lead to overspending, but simple traditions, thoughtful gifts, or inexpensive games can create even more joy.

2. Boundaries are the ultimate financial wellness tool.

Scripts like “I love you, and I’m being mindful of my budget this year…” help you honor both your wallet and your energy without guilt.

3. Creativity beats consumerism.

Story bowls, side-dish-only dinners, and “favorite foods night” prove you don’t need a big budget to make big memories.

4. Avoid the December debt hangover with ‘joy dollars.’

Budget for holiday fun with intention — spend on what genuinely lights you up, not on obligation, pressure, or last-minute panic.

5. Holiday seasons can be abundance seasons.

For creatives, makers, side-hustlers, and small businesses, November–December can become a strategic earning opportunity, from markets to seasonal offerings to smart holiday sale upgrades.

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#34. The Side Hustle Bringing Back the Funny Pages (with Eric from Ducktown Weekly)

Tue, 25 Nov 2025 06:15:00 -0700

In this episode we’re talking to Eric, the creator of Ducktown Weekly—a nostalgia-packed print publication that brings back everything you loved about the funny pages. If you were the kid who raced to the comics before anyone else touched the newspaper, this episode is your warm hug. We dive into how Eric revived a nearly extinct format, why print can still feel magical, what it takes to start a newspaper in 2025, and why hundreds of people are rediscovering the joy of comics, puzzles, national park features, and more.

We discuss:

Why holding a physical paper, looking forward to the mail, and escaping screens for a few minutes still gives people real joy.
Comics are a multigenerational love language. Whether you connect with classics or discover new favorites, comics hit an emotional sweet spot.
Starting a “newspaper” today is shockingly accessible. With modern software, syndicate licensing, and outsourced printing, one person can build something that used to take a whole newsroom.
Side hustles can be passion projects. Eric runs Ducktown Weekly while also working full-time as an economist, proving that joy-driven projects can still thrive.
The value of analog connection is rising. People crave real mail, quiet moments, and screen-free experiences, making Ducktown Weekly a refreshing alternative to algorithm-driven everything.

Get a free issue of Ducktown Weekly

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#33. Why Money Stress Is Higher Than Ever (and What To Do About It)

Tue, 18 Nov 2025 06:00:00 -0700

In this episode, we dive into research that reveals a hard truth: our emotions - stress, anxiety, and full-on avoidance - are driving far more of our financial decisions than we might admit. More than half of Americans report being stressed about money. And the generational breakdown? Even more surprising. Melissa and Tony unpack why this happens, how to break out of avoidance mode, and the small steps that can dramatically improve your sense of control and confidence around money.

We discuss:

1. Avoidance is more common than we think.

Nearly half of adults are actively avoiding opening account statements because facing the numbers feels overwhelming, which only worsens the problem.

2. Gen Z is the most stressed generation financially.

Between student loans, job market struggles, and cost-of-living increases, young adults report the highest levels of money stress, but this generational trend has always skewed young.

3. Conversations about money reduce fear.

Talking openly with trusted friends, partners, or family members helps break shame cycles, normalize stress, and often leads to shared solutions.

4. Small, consistent actions beat big, overwhelming ones.

Canceling one subscription, making one phone call, lowering one interest rate… these tiny moves create momentum and reduce anxiety far more than grand “fix everything” plans.

5. Multiple income streams = less stress.

The Drip Trickle Flow Flood mindset gives you stability and resilience. When one stream slows, another picks up, creating a sense of agency and reducing fear around “what ifs.”

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#32. The Business Behind Food Blogging (with Tristin from Fresh Flavorful)

Tue, 11 Nov 2025 06:15:00 -0700

Ever dreamt of turning your creative hobby into a career? In this episode, we chat with Tristin Rieken, a food photographer, recipe developer, and founder of Fresh Flavorful, who turned her love of cooking, adventure, and photography into a thriving content business. From early blogging days to landing brand deals and learning to value her work, Tristan shares what it really takes to build multiple income streams doing what you love.

Tristin shares:

Start before you’re ready. Tristin began sharing her food photography before it was even called “content creation”, proof that imperfect action beats waiting for permission.
Know your worth. Transitioning from free product to paid partnerships was a major mindset shift.
Diversify to stay steady. Between her food blog, photography gigs, a family business, and job, Tristin has built income that flows from multiple streams.
Follow what fuels you. After years of tight deadlines and brand deals, Tristin stepped back to create content she truly enjoys, and the money still followed.
Play the long game. From viral apple cookies to a black charcoal cocktail that earns passive income years later, patience and consistency are key to creative success.

Tristin’s Apple Cookies

Full Moontini Charcoal Cocktail

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Listen to the Rent or Buy episode.

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#31. Is Rent-to-Own Your Next Money Move?

Tue, 04 Nov 2025 06:00:00 -0700

When homeownership feels out of reach due to rising interest rates, steep down payments, or complex mortgage qualifications, rent-to-own offers an intriguing alternative. In this episode, we dive into the pros and cons of rent-to-own from both the tenant and landlord perspectives.

Whether you’re looking to move into your dream house, grow your investment portfolio, or just get creative in today’s real estate market, this one’s packed with insight.

We discuss:

What Rent-to-Own Really Means
Why Landlords Might Say Yes
Creative Investor Strategy
Structure + Protection
Why Emotions Matter Too

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#30. Cookies, Creativity & a 1954 Trailer (with GIRLnDOG cookies)

Tue, 28 Oct 2025 06:00:00 -0700

What happens when you combine incredible cookies, a vintage 1954 trailer, and a whole lot of entrepreneurial spirit? You get GIRLnDOG Cookies, a Bellingham, WA-based cookie business built on joy, quality ingredients, and one woman’s dream of doing one thing really well.

In this episode, we chat with Meredith, the founder of GIRLnDOG, about how she turned her love for baking into a business, why she’s staying focused on cookies (and not pastries, thank you very much), and what it’s like to juggle family life, solo entrepreneurship, and scaling a growing brand from inside the cutest trailer you’ve ever seen.

We discuss:

Sticking to what you do best. Why Meredith doesn’t try to be everything to everyone.
It’s not just a cookie, it’s an experience. From the vintage trailer to the menu to the lighting, every part of the GIRLnDOG brand is intentional.
Running a “simple” business is anything but simple. From commissary baking to ingredient sourcing to marketing, Meredith wears every hat.
Saying yes to growth means getting creative. She’s exploring wholesale, cookie subscriptions, and events to build sustainable income streams.
Balancing business and life takes boundaries. Powering down after events is essential for longevity and sanity.

Visit GIRLnDOG

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#29. How We're Monetizing This Podcast

Tue, 21 Oct 2025 06:15:00 -0700

Ever wonder how podcasters make money, and what goes on behind the scenes before the checks roll in? In this candid episode, we pull back the curtain on how Drip Trickle Flow Flood went from a book idea to a podcast, and now to a growing brand with its very first income stream.

We share:

How this project originally started as a book, but quickly pivoted into a podcast to test ideas, gather audience feedback, and create community before publishing.
Our first monetization play - a super soft, conversation-starting Drip Trickle Flow Flood T-shirts.
DTFF 1:1 consulting sessions to help others analyze their own drip, trickle, flow, and flood income streams, with a focus on spotting low-hanging fruit for new revenue.
Rather than rushing into ad networks, we’re exploring brand partnerships that align with the mission and tone of the podcast. No scammy diet pills here.
What we’re not doing to monetize, and why.

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#28. What Predicts Startup Success?

Tue, 14 Oct 2025 06:00:00 -0700

Is it better to build a brilliant product or just market the heck out of an average one? Do honest founders win in the long run, or are deceptive tactics more profitable? And when it comes to success, is impact more important than money?

In this episode of Drip Trickle Flow Flood, we break down an article from Entrepreneur magazine that analyzes how 7,000 founders ranked the ingredients for startup success. Expect real talk, lived experience, and a few strong opinions (as always).

We discuss:

Execution > Marketing? The data suggests founders who prioritize execution outperform those who lead with hype. But in a noisy world, does marketing still matter?
The Deception Dilemma: Some entrepreneurs do build their entire business model on misleading tactics.
Fame vs. Impact: Many founders are obsessed with looking good instead of doing good. But investors (and customers) don’t always care about your version of “impact.”
Blunt Honesty Isn’t Always Best: Interestingly, the data showed that while honesty ranked high, blunt honesty ranked lower, suggesting nuance matters in communication.
Consumers Have Power: While you can’t control every shady business model, you can make thoughtful buying choices and vote with your dollars to support what matters to you.

Whether you’re building a startup or just love analyzing founder psychology - this one’s for you!

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#27. The Real Cost of Publishing a Book

Tue, 07 Oct 2025 06:15:00 -0700

So you want to write a book, but how do you actually publish it? In this episode, Melissa and Tony break down the three main publishing paths (traditional, hybrid, and self-publishing), share their own experiences navigating each model, and get brutally honest about the money, effort, and strategy involved.

Whether you dream of landing a book deal, distributing through indie bookstores, or owning the whole process from cover design to sales, this episode will help you get clear on your goals and pick the publishing path that works for you.

We discuss:

The 3 main ways to publish a book
Why your “why” for writing the book matters—whether it’s income, legacy, or lead generation, your goal should shape your publishing path.
Why traditional publishing doesn’t remove all of your costs
The pros and cons of self-publishing
The benefits of hybrid publishing. Tony shares how he published his book this way and what he learned.
Selling books isn’t just about writing—Melissa breaks down how she uses swag, bundles, direct sales, etc to generate income from her books.

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#26. Understanding Mortgages, Credit & Real Estate Investment (with Gary Tice)

Tue, 30 Sep 2025 06:15:00 -0700

In this episode of Drip Trickle Flow Flood, we’re joined by veteran loan officer Gary Tice from Edge Home Finance. With over 25 years of experience in the mortgage industry, Gary brings a calm approach and deep expertise to a topic that often feels overwhelming—home buying. From improving your credit to navigating loans as a self-employed professional to demystifying investment property financing, this is a must-listen for anyone thinking about buying, refinancing, or investing in real estate.

Key Takeaways:

Credit utilization matters more than most people realize. Keep credit card usage below 30% of your limit at statement time to boost your credit score, and ultimately, your loan options.
Self-employed? There are still plenty of mortgage options. If tax write-offs hurt your qualifying income, alternative documentation loans like bank statement or P&L loans can help.
Have at least four “trade lines.” A strong mortgage application often includes multiple forms of credit—think car loans and credit cards—not just one or two.
Don’t box yourself in with a 15-year mortgage. Gary suggests opting for a 30-year term and making extra payments instead. It gives you flexibility if life throws a curveball.
Bridge loans are a game-changer. If you need equity from your current home to buy your next, a bridge loan can give you up to 12 months with no payment on your old home.
The Fed doesn’t control mortgage rates directly. Mortgage rates are tied to the global bond market, and recent trends show rates improving, making now a smart time to explore refinancing or buying.

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Lawn Game rentals in Greater Boston

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#25. Turning Yard Games Into a Full-Blown Business (with Matt Greer)

Tue, 23 Sep 2025 06:00:00 -0700

What started as a passion for backyard games turned into a Guinness World Record, a book, a multi-stream business, and a growing rental empire. In this episode of Drip Trickle Flow Flood, we sit down with Matt Greer, founder of Yard Games World, who shares how he built a thriving side hustle rooted in fun and competition. From cornhole marathons to social media strategy, Matt shows how play can pay, and why your side income might be one toss away from going big.

We discuss:

The wild story behind his Guinness World Records
How a love of yard games turned into a book deal and a backyard empire
How a few social media posts led to a booming rental business
How Matt’s W2 job helps him grow
The unexpected combo of rentals, leagues, content, and product sales that power his brand
How TikTok and Instagram helped turn his hobby into a recognized platform
The advantage of being a generalist with a wide skillset
His latest business expansion, and the bigger plans just around the corner

Links for Matt

Yard Games World

Matt’s Book: The World’s Greatest Backyard Games

Our Links

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#24. Turning Old Skills Into a New Income Stream

Tue, 16 Sep 2025 06:15:00 -0700

What if the weirdest commercial of your life could help unlock a whole new income stream?

In this solo episode with Melissa & Tony, Melissa pulls back the curtain on her unexpected entrance into a new income stream that’s quickly becoming a flow.

Melissa breaks down how she’s blending 20+ years of experience into a profitable new income stream, and why this space might be perfect for others, especially if you're over 40.

Tony and Melissa also spill the tea on their new merch line and what’s next for the pod.

Discussed in this episode:

Your old skills still matter and they can make you money. Those skills can be repurposed in new, profitable ways.
There’s power (and profit) in being 40+. In a digital world that often feels youth-obsessed, mature voices and faces are in demand, and often face way less competition.
You don’t need a “big idea,” you need a fresh lens. Melissa simply reframed her existing skills in a new context and found a whole new income stream.
Your everyday life is content. Whether it’s your pets, your partner, your routine, or your random hobbies, there’s a market for your story when you’re willing to share it.
Side hustles don’t always have to be scrappy. When you start on “third base”—leveraging years of experience—you can go from “maybe” to “money” faster than you think.

AND … as promised … the commercial that started it all!

Check out the commercial on our Substack: https://driptrickleflowflood.substack.com/

Links

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#23. Behind the Scenes with Melissa’s Husband: Money, Movement & Marriage

Tue, 09 Sep 2025 06:15:00 -0700

After 20+ episodes, Melissa’s husband Gary finally joins us for a lively conversation that zigzags from building a monthly personal financial statement to flipping roadside finds, starting a finance club, and how pickleball coaching principles apply to money. You’ll hear how Melissa and Gary tag-team investing (research meets execution), why “movement without vision is chaos,” and how tiny, compounding actions create real freedom on the court and in your bank account.

We discuss:

Building a personal financial statement: list assets (investments, art/watches you actually enjoy, etc.) and liabilities, then track net worth over time to see if the graph is moving in the right direction.
Keeping tabs on where your cash and exposure live (T-bills, equities, commodities, etc.). Use tools to make idle assets work without overreaching into margin.
A finance club can be two people and a Thursday. Swap short lessons, compare notes on markets, and use ChatGPT to structure a smart agenda so it’s more than talk.
From hydrangeas to Facebook Marketplace flips, small wins compound. Don’t obsess over “hourly rate” during downtime. Stack drips and trickles and let them add up.
Gary’s coaching mantra—“movement without vision is chaos”—applies to sport and money. Decide why you’re doing something, then commit. Chunk skills, chase 1% better daily.

Links

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#22. How a Backyard Nursery Sparked New Business Growth (with Dusti Arab)

Tue, 02 Sep 2025 06:15:00 -0700

What do you get when a seasoned fractional CMO starts growing vegetables in her backyard? An unexpected pipeline of leads, and a brilliant example of drip, trickle, flow, flood in action.

In this episode, we’re joined by Dusti Arab, founder of Hearth & Hollow, The Reinvention Co. and host of Referral Worthy. Dusti walks us through her multidimensional career as a marketer, her new passion project (a backyard nursery), and how saying yes to creative ideas like growing shishito peppers in a greenhouse can bloom into something so much bigger than you'd expect.

In this episode, we discuss:

How Dusti’s greenhouse hobby unexpectedly led to new marketing clients
What a "plant CSA" is, and why no one else is doing it
The reality of slow seasons in business and how Dusti weathered them
How markets and in-person connections can revive your creativity
Dusti's ecosystem of income: retainer clients, VIP days, courses, and now plant sales
Why she's writing a productivity guide for her 13-year-old (and yours too!)
How her family embraces entrepreneurship
Real talk on what’s changing in the marketing space, and how she’s adapting

🎧 Listen now to hear how Dusti’s backyard garden turned into fertile ground for reinvention, and how you can start small, experiment smart, and build a business that actually feeds you.

Check out Hearth & Hollow

Check out Dusti’s website

Listen to Dusti’s podcast, Referral Worthy

Links

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#21. Home sellers are pulling listings and it’s not just about price

Mon, 25 Aug 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood, we unpack a recent Fortune article about the rise in delisted homes, and what it really signals about the current housing market. Is it strategy? Stubbornness? Or something deeper about how people are processing a market that no longer feels predictable?

We discuss:

The psychology behind sellers refusing to lower prices
Why real estate is more emotional than people admit
The myth of “real estate only goes up”
The trap of low interest rates and how it’s freezing movement
What sellers can do besides slash their price
How to make smart moves whether you’re buying, selling, or holding

Links

Rate and Review

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#20. Money Talk for Creatives with Author & Screenwriter Jessie Rosen

Tue, 19 Aug 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with the brilliant Jessie Rosen, USA Today bestselling author of The Heirloom and All the Signs, screenwriter for major studios like Warner Brothers and Netflix, and creator of a Substack newsletter all about bravery. Jessie opens up about the realities of money as a creative in Los Angeles: the shame, the hustle, the luck, the leverage, and the life choices that shape not just a career, but a sustainable and fulfilling life.

Takeaways from this episode:

Why money conversations can feel taboo among creatives.
The mix of luck, leverage, skill, and tenacity that shapes creative pay in Hollywood.
How Jessie built multiple income streams: from writing, teaching, copy gigs, and publishing, to Airbnb hosting.
The hidden shame many creatives feel about side hustles.
Why comparing your behind-the-scenes to someone else’s highlight reel is a losing game.
Jessie’s reckoning with what she truly wanted her life to feel like, and how money became a tool for designing that life.
The importance of financial literacy, asking “embarrassing” money questions, and saving early for long-term freedom.

Links

Check out Jessie’s website and buy her books

Subscribe to Jessie’s Substack

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#19. The Art and Business of Building a Thriving Filmmaking Career (with Nick Moceri)

Mon, 11 Aug 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with filmmaker, producer, and entrepreneur Nick Moceri to talk about building a career at the intersection of film, branded content, and multiple income streams. From co-founding Donut Media to producing films like Kindergarten Teacher and Sovereign, Nick shares what it really takes to survive and thrive in a volatile creative industry, and why diversifying your work might be the smartest move you can make.

Episode Highlights

How growing up in an entrepreneurial family shaped Nick’s approach to work and creativity
The realities of producing films
Why brand work can fuel, rather than distract from, creative projects
Building financial stability through multiple income streams under the filmmaking umbrella
The importance of relationships as both creative currency and long-term opportunity
How to create with the resources you have, instead of waiting for perfect conditions
Why rest, curiosity, and side ventures can make you a better creative

Links

Watch Nick’s latest film Sovereign

Nick’s production company All Night Diner

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#18. Should you pay off your mortgage early?

Mon, 04 Aug 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood, we’re tackling one of the most debated questions: Should you pay off your mortgage early?

We break down the factors that make this a deeply personal and often misunderstood decision. From interest rates to emotional peace of mind to the job your money should be doing, we explore what really matters and how to think about this question.

We also share our own experiences, reflect on season-of-life decisions, and highlight why there’s no one-size-fits-all answer.

Learn:

Why your mortgage interest rate is the starting point, not the whole story
The emotional vs. financial return of paying off a home early
When liquidity matters more than a zero balance
Cultural, generational, and regional pressures that shape our beliefs around debt
Smart questions to ask before you make your move

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#17. Let It Go to Grow (with Quinn Tempest)

Mon, 28 Jul 2025 08:30:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down we sit down with Quinn Tempest—business strategist, speaker, and founder of the Create Your Purpose Collective—to talk about how money doesn’t just show up in one form.

Quinn opens up about her journey building a purpose-fueled business that reflects every season of her life. From early clients to building a thriving membership and coaching model, Quinn breaks down exactly how she diversified her income, weathered market changes, and navigated big pivots with both courage and clarity.

This is a must-listen for anyone in business who’s ever wondered if it’s okay to change their mind, revisit a revenue stream, or pause for a season without losing momentum. (Spoiler: it absolutely is.)

Episode Highlights:

Why burnout is an invitation to realign your business with your values.
How to frame pivots and “step backs” as aligned, strategic moves.
Energy freedom > time freedom. Success isn’t just about hours worked or revenue—it’s about how you feel while doing the work.
Your business can change with you. Quinn shares how motherhood shifted not only her schedule but also her mindset and goals.
Know your numbers. Tracking income by category (hello, heat maps!) gave Quinn the clarity to make smarter, more intentional decisions.
Curiosity is your compass. You don’t need to know the whole path. Just follow what lights you up and experiment from there.

Check out Quinn’s work:

A full rundown of the Heat Map mentioned in the episode: https://quinntempest.com/entrepreneurship/8-years-revenue-heat-map/
The "Power up like Mario" essay: https://quinntempest.com/uncategorized/my-imposter-syndrome-theory-entrepreneurs/
A free Priority Planner for Solopreneurs to help align decisions with values.

Rate and Review

Links:

Tony’s website:

https://melissacassera.com/

Melissa’s website:

💌 Want more?

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#16. Building Wealth One Block at a Time with a Neighborhood Magazine (with David Pillinger)

Mon, 21 Jul 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood we sit down with David Pillinger, publisher of Southside Living Magazine and regional recruiter for Best Version Media, the print powerhouse that publishes local neighborhood magazines. Dave shares how he bootstrapped his first issue, now oversees dozens of titles across multiple states, and globetrots with his son.

If you’ve ever wondered whether print is dead, or how to blend steady cash flow with travel, Dave’s story will inspire you.

Episode Highlights:

Why neighborhood‑specific media thrives even in a challenging market
Understanding the economics behind a localized media business
Dave’s philosophy on prioritizing experiences over material things
The adventures Dave has shared with his son across multiple countries, and how travel has shaped his son’s confidence and worldview
Why investing in community connections can open the door to financial freedom and unforgettable life experiences

Dave’s Travel Blog

Southside Living Magazine

Best Version Media

Rate and Review

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

💌 Want more?

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#15. Creating Income Beyond the Gym Floor (with Nikki Naab-Levy)

Mon, 14 Jul 2025 06:00:00 -0700

In this episode of Drip Trickle Flow Flood, Melissa and Tony chat with Nikki Naab-Levy, a strength and nutrition coach who’s lived many business lives.

We dive deep into Nikki’s multi-income stream mindset, her no-BS approach to nutrition, the hilarious (and shocking!) story of her first ever fitness class, and how she’s built a career by following her curiosity.

Check out Nikki’s website: https://naablevy.com/

Listen to Nikki’s podcast: https://naablevy.com/podcast/

Follow Nikki on Instagram: https://www.instagram.com/naablevyfitness/

Episode Highlights:

How Nikki accidentally launched her fitness career when her Pilates instructor literally ran off
How she phased out old offers while creating new income streams
How she expanded beyond in-person fitness
Why your financial base matters more than the perfect funnel
Outsourcing vs. DIY: Nikki’s hilarious take on why she happily pays her accountant to “make the problem go away”

Rate and Review

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

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Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#14. The One Where We Disagree with Dave Ramsey

Mon, 30 Jun 2025 06:30:00 -0700

In this episode of Drip Trickle Flow Flood, Melissa and Tony dive into a recent Ramsey Show clip. A caller bought an $11,000 engagement ring using a 0% interest credit card, even though he had the cash to pay outright. Dave called it dumb. We call it smart, depending on the situation. This episode explores when debt is a dangerous trap, and when it might actually be a savvy tool for building wealth.

You’ll hear:

Why Dave Ramsey’s one-size-fits-all debt advice might not work for everyone
How to decide if using debt makes financial sense in your situation
Melissa and Tony’s personal experiences with “good debt”
The difference between emotional spending and strategic debt
Why financial decisions should be based on math, not shame
Ideas for building your own finance discussion group to reduce stigma and grow smarter together

Rate and Review

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#13. What Are Your 240 Paychecks?

Fri, 20 Jun 2025 09:00:00 -0700

In this episode of Drip Trickle Flow Flood, Tony and Melissa dive into the concept of 240 paychecks—the number of monthly paychecks you’d need to sustain a 20-year retirement—and why that number is both a helpful benchmark and wildly outdated. From IP to pickleball, they explore the many ways you can start generating income before 65 and what it really means to design a work-optional lifestyle now.

You’ll hear:

Why retirement shouldn’t be your finish line—and how to plan for freedom earlier
What “240 paychecks” really means, and how to build your own version
Traditional vs. untraditional income streams: pensions, annuities, real estate, IP, side gigs & more
How inflation, longevity, and lifestyle choices affect your financial plan
Personal stories from Melissa and Tony about how they’re designing their post-50 lives—featuring pickleball, van life, bookshops, and dance fitness
Why “work-optional” is the new retirement

Rate and Review

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#12. From Home Flipping to Portugal Living (with Brian Hardy)

Thu, 12 Jun 2025 07:15:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with business growth consultant Brian Hardy, who joins us from his new home in Portugal. Brian shares how his curiosity and courage led him to launch multiple businesses, including home flipping, franchising, and a coffee brand, before finding his sweet spot in marketing systems and consulting. From flipping century-old houses in Maine to building a remote-friendly business that supports franchisees, Brian breaks down how he’s created a lifestyle that supports freedom, flexibility, and global living.

You’ll learn:

How Brian tests business ideas quickly (and isn’t afraid to fail fast)
The difference between solo entrepreneurship and the franchise model, and the tradeoffs of each
How he transitioned from flipping homes to consulting with franchisees
Why LinkedIn is his current favorite tool for B2B lead generation
The path he took to relocate to Portugal (and why the food and healthcare alone are worth it)
His #1 tip for building a team and offloading what you hate doing

ABOUT BRIAN:

Brian Hardy is the innovative founder of The Maverick AI, a groundbreaking tool launched in early 2024 that helps businesses connect with missed opportunities to drive more sales. With a diverse background in real estate investing, graphic and web design, marketing, and business strategy, Brian has a knack for turning ideas into thriving ventures.

Before venturing into the world of AI, Brian owned a sign shop, a successful web design firm that won Best in the Northwest five years in a row, a print brokering company, and a home flipping business. His expertise spans multiple industries, making him a versatile consultant and strategist who helps businesses grow through technology.

Brian's journey began as a graphic designer, which evolved into web design and eventually into real estate investing and house flipping. His mission is to help others succeed by enabling them to see what they can't and grow through innovative solutions.

Outside of his professional life, Brian is an avid scuba diver and recently became a Dive Master. He loves to travel and explore the world, always seeking new adventures and experiences.

Connect with Brian for collaborations and explore how The Maverick AI can help your business thrive. Visit www.themaverick.ai or email him at growth@themaverick.ai to connect.

Connect with Brian:

💼 LinkedIn:

https://www.linkedin.com/in/brianghardy/

🌐 Websites:

https://themaverick.ai/

https://demo.themaverick.ai/mavdemo

https://brianhardy.com/

https://agentai.themaverick.ai/voice-agent-ai

https://demo.themaverick.ai/

https://connect.themaverick.ai/

Rate and Review

Links:

Tony’s website:

https://melissacassera.com/

Melissa’s website:

💌 Want more?

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#11. Growing a Local Gift Shop From the Ground Up

Thu, 05 Jun 2025 09:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with Kali Berg, the co-owner of Wild Hemlock in Anacortes, WA, a charming Pacific Northwest gift shop that’s much more than meets the eye. From rebranding her store to juggling screen printing, knitwear, and knitting classes (all in 1,000 square feet!), Kali walks us through what it really takes to create multiple income streams as a brick-and-mortar entrepreneur.

You’ll hear about how she listens to customers, diversifies offerings, and even rolls tables out of the way to host knitting circles. This one’s a must-listen for anyone thinking of launching a retail or local business.

You’ll hear:

Why Kali rebranded from Ink & Wool to Wild Hemlock, and how customer confusion led the way
What it’s actually like running a boutique retail shop in a seasonal tourist town
How she diversifies her income with screen printing, classes, consignment, and markets
The boundaries (and lack thereof) of working with your spouse and running a family business
Her creative approach to space, inventory, and marketing on a tight budget
What makes Anacortes’s small business community so powerful, and how it keeps her inspired

Rate and Review

Links:

Wild Hemlock:

https://www.wildhemlockpnw.com/

Tony’s website:

https://melissacassera.com/

Melissa’s website:

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://www.melissahoffmann.com/

Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#10. Rent or Buy? The Real Answer Might Surprise You

Thu, 29 May 2025 09:00:00 -0700

In this episode of Drip Trickle Flow Flood, we dive into one of the most debated financial decisions of all time: Should you rent or buy your home?

Spoiler: the answer isn’t one-size-fits-all—and might not be what you expect from a real estate investor.

Tony shares his unfiltered take on the rent vs. buy conversation, revealing why he’s a huge proponent of home ownership… and why he still rents. From building wealth through rentals before ever owning his own home, to using “house hacking” and creative financing, Tony walks us through how renting can be a smart financial move when approached with clarity and strategy.

We also explore the hidden costs of ownership (hello, $2,000 water heater), the emotional weight of buying a home, and how knowing why you're buying is more important than when.

In this episode, we break down:

Why owning your primary residence isn’t always the best investment
The real math behind renting vs. buying (including taxes, maintenance, and flexibility)
How Tony bought investment properties before he could afford to own his own home
What “house hacking” is and why it’s one of Tony’s favorite wealth-building strategies
How construction labor shortages and rising repair costs factor into homeownership decisions
Creative examples of renting out your home while living elsewhere (tiny home, anyone?)

This episode is for:

Anyone asking themselves, “Am I wasting money on rent?” or “Should I wait to buy?” This is the perspective shift you didn’t know you needed.

Links:

Tony’s website: https://tonymoceri.com/

Melissa’s website: https://melissacassera.com/

🎧 Listen in and ask yourself: What are your real goals—and is your housing choice aligned with them?

🌀 Like the episode?

Follow the show, leave a review, and share it with someone who’s stuck between Zillow tabs and Rent.com.

💌 Want more?

Subscribe to our newsletter for income ideas that drip, trickle, flow, and flood into your life. https://driptrickleflowflood.substack.com/

Disclaimer:

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#9. Real Talk with a Real Estate Investor (with Anthony Petz)

Thu, 22 May 2025 09:00:00 -0700

In this episode of Drip Trickle Flow Flood, we sit down with real estate investor and broker Anthony Petz for a raw, practical, and inspiring look at what it really takes to build income streams through real estate.

Anthony shares his journey from office supply sales to full-time investor, the mindset shift that helped him walk away from his 9-to-5, and the unglamorous but necessary grind of turning a single rental into a portfolio. From crawl spaces to cold-knocking on homes, Anthony shows that persistence, discomfort, and creative problem-solving are essential to real estate investing.

Whether you’re curious about getting into real estate, wondering if now is even the right time, or stuck trying to make your rentals actually pay, this episode breaks it all down.

In this episode, we dig into:

Why sales skills and a high tolerance for discomfort give you an edge in real estate investing
How to start building a real estate portfolio without waiting for “perfect timing”
The power (and pitfalls) of leverage, seller financing, and creative deal-making
What makes cash flow more sustainable than chasing flips
The overlooked emotional and psychological side of entrepreneurship

This episode is for:

Anyone curious about investing in real estate and wondering if it’s still possible in today’s market.

Links:

Anthony’s website: https://petzrealestate.com/

Tony’s website: https://tonymoceri.com/

Melissa’s website: https://melissacassera.com/

Listen in, and ask yourself:

Are you stuck in analysis paralysis… or ready to knock on the next door?

Like the episode?

Follow the show and leave a review. It helps us reach more listeners like you.

Get more drips, trickles, flows, and floods:

Subscribe to our newsletter for ongoing insights and income ideas that match your real life. https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#8. Swirl, Serve, and Scale: Multiple Income Streams with Suzzie Vehrs

Thu, 15 May 2025 05:00:00 -0700

In this episode of Drip Trickle Flow Flood, we’re diving deep into what it looks like to swirl your passions into a purpose-driven, income-generating business.

Our first guest breaking down her Drip Trickle Flow Flood is Suzzie Vehrs. She’s a birth doula and founder of She Births Bravely, where she supports mothers through education, postpartum care, and personalized services.

Suzzie comes from a finance background and shares how she transitioned into mission-driven work, built a business from scratch, and developed multiple income streams without sacrificing joy, sustainability, or service.

In this episode, we dig into:

What it means to “swirl” your interests into one integrated business
How Suzzie built a profitable, purpose-driven business while raising two kids solo
The reality of entrepreneurship vs. the highlight reels we often see
Why Suzzie added writing, blog monetization, books, and postpartum services to her offer suite
How to create flexibility and financial freedom by turning your services into layered income streams
The emotional and logistical shift from unpaid passion work to building a sustainable business
How paying your kids through your business can be both legal and smart
What it looks like to say no to what’s not working—and reinvest in what is

This episode is a must-listen for anyone building a service-based or mission-driven business, and especially for those navigating pivots, pressure, or parenthood along the way.

Guest:

Suzzie Vehrs, founder of She Births Bravely, author of Divine Birth, and postpartum care provider

Website: She Births Bravely

Other links:

Melissa’s SWIRL Effect workbook: https://melissacassera.gumroad.com/l/swirleffect

Tony’s website: https://tonymoceri.com/

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Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#7. How to Balance Multiple Income Streams Without Losing Focus

Thu, 08 May 2025 09:00:00 -0700

In this episode of Drip Trickle Flow Flood, we answer our very first listener question—and it’s a good one. Melissa Hoffman, a holistic mindset coach and nervous system expert, asked:

“How do you balance starting a new side project that’s different from what you've been doing while you're still growing the business you're working on? How do you do that without getting distracted or confusing people around what you do?”

Melissa is currently growing her women's empowerment coaching business, while also wanting to relaunch a boudoir photography business in a brand-new city. If you’ve ever juggled two different revenue streams—or even considered it—this episode’s for you.

We unpack our own experience with multiple income streams and share honest, tactical strategies for how to bring in more income without bringing on burnout or confusion.

In this episode, we cover:

Why your “flow” and “trickle” don’t need to happen at the same time, and how to plan for that
How to be realistic about time, energy, and which stream to prioritize first
The importance of choosing what you can live with for the next 2–7 years
Tips to batch your creative energy and create guardrails around your excitement
How to explore new ideas without dropping your current obligations
Why it’s okay (and powerful!) to publicly announce your next project, even if it’s not fully built yet
How to blend or “swirl” different income streams under one personal brand or message

If you’ve ever struggled with feeling pulled between projects, confused about how to market your multiple offerings, or unsure which stream deserves your time—this episode gives you the tools to move forward with confidence, clarity, and intention.

Ask Yourself: Which of your income ideas is your flow? Which one could be your drip or trickle? Are you giving each the time it realistically deserves?

EPISODE LINKS:

https://melissacassera.gumroad.com/l/swirleffect

Whatcom Dream Financial Literacy Courses

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📩 For every drip of insight, trickle of wisdom, flow of ideas, and occasional flood of inspiration, subscribe to our newsletter:

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

#6 - Building a Relationship with Your Local Banker

Fri, 02 May 2025 06:00:00 -0700

Disclaimer: The opinions of the guest are their own and not necessarily those of their employer

In this episode of Drip, Trickle, Flow, Flood, we sit down with our very first guest: longtime local banker Ria Van Weerdhuizen, who’s been helping individuals, small business owners, and families understand their money—and use it wisely—for nearly two decades.

This conversation is packed with approachable, real-world insights on how to build a strong financial team, why a real relationship with a local banker can be a game-changer, and how even small financial moves can turn into big momentum.

Whether you’re just starting your financial journey or juggling multiple income streams, this episode will help you see your bank, not just as a place to deposit checks, but as a partner in your Drip, Trickle, Flow, or Flood.

In this episode, we dig into:

Why working with a local banker can offer you more support, insight, and flexibility
Available accounts and tools folks can start with
What is HELOC (home equity line of credit)?
What to do when you don’t feel confident talking about money with financial professionals, and how to shift that
How Ria turned a trickle into a flood with a real estate investment
The power of showing up to your bank with a notebook full of questions, and owning your financial conversations
Evaluating the risks and rewards of online-only banks

Resources:

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