Divorce is already one of the hardest things a person can go through. What makes it worse is finding out months or years later that a financial decision made in the middle of all that pain cost you tens of thousands of dollars in taxes you never planned for. That's what this episode is about.

Jamie Lima, CDFA and CFP at Allegiant Divorce Solutions, is back on the show to break down what most people completely miss when divorce and tax season collide. We're talking about filing status, dependent claims, retirement account splits, pension valuations, and the one clause you need in every divorce agreement before you sign anything. This isn't theory. This is the stuff that shows up in real cases and wrecks real financial plans.

We walk through a real client situation involving a business, three real estate properties, a 401k, and a distribution nobody saw coming. We get into the QDRO process in plain language, why AI is creating problems in divorce documents right now, and why the number on your pension statement is almost never the right number. If you're going through a divorce, recently finalized one, or know someone who is, this episode is required listening.

Watch the full episode on YouTube

Connect with Jamie Lima directly at https://allegiantds.com or find him on LinkedIn: https://www.linkedin.com/in/jamielima/, Instagram: https://www.instagram.com/jamiemlima/, Facebook: https://www.facebook.com/jamiemlima/, and X: https://x.com/jamiemlima

If you want to understand how all of this connects to your broader financial picture, book a Power Hour with me at . One hour. Real answers. A plan you can actually use.

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

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Most business owners don't go looking for funding because they planned for it. They go looking because something broke. Payroll is due Friday. Revenue dipped. The reserves ran out. And when you're in panic mode, that's exactly when the vultures show up. This episode breaks down what the lending industry doesn't want you to know, and what you need to hear before you sign anything.

Sara Weldon from Trufinco joins the show and keeps it brutally honest about the state of business funding right now. She calls MCAs a "shit sandwich" and explains exactly why they've become a death sentence for business owners who don't understand the fine print. We're talking daily payments, stacked loans, interest rates designed to bury you, and lenders who are counting on your desperation. Sara's been in this industry for seven years and flat out says she hates what most of it has become. That tells you everything.

We hit Noise vs Truth hard in this one. "Debt is always bad." Wrong. "Take the biggest offer you can get." Hell no. "You'll figure out the payments later." That one might be the most dangerous lie in the entire lending world. And "revenue solves everything"? Sara has a client doing $14 million a year who is completely broke. Let that sit.

Sara walks through her three step framework for approaching funding the right way: define the use of funds and the return, set a max payment your business can actually carry, and compare offers by total cost and repayment structure, not just the interest rate. If you're borrowing without doing those three things, you're gambling.

The hard truth here is simple. Know who you are. Know your lane. Stop trying to do everything yourself and bring in people who can see what you can't. That's the difference between businesses that survive funding and businesses that get buried by it.

Watch on YouTube

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Spring is here... and it's lying to you.

The sun came out. Soccer started up. You feel optimistic. And that's actually the problem.

Because while everyone's outside, the economy is still a mess. Jobs are disappearing. Credit card debt hit an all-time record. Mortgage delinquencies are climbing. Gas prices jumped 60 cents in eleven days because of a war nobody voted for. And your salary still hasn't caught up to any of it.

In this episode I'm giving you the real numbers and three things you can actually do right now to protect yourself.

Go enjoy the weather. But keep your eyes open.

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Most people don't skip estate planning because they don't care. They skip it because they're terrified. Terrified of facing their own mortality. Terrified of making the wrong call. Terrified of how much it might cost. And in 2026, with chaos happening at every level, that avoidance has never been more expensive. Estate attorney Griffin Bridgers is back, and this time we're cutting through every excuse, every myth, and every fear-based sales tactic the industry uses to push you into doing nothing.

Griffin breaks down the three real barriers that keep people stuck: the paralysis of making decisions, the fear of getting it wrong, and the cost concern that has the tech world rushing in with half-baked solutions. LegalZoom has been around for 25 years and still doesn't push wills front and center. Why? Because you can't build an app that fights human nature. Estate planning isn't a tech problem. It's a human one.

What happens to your family when you leave a mess? It's not just about the money. It's about grief. When you die without a plan, you are literally robbing the people you love of the chance to properly mourn you. Instead of sitting with their loss, they're tracking down bank accounts, fielding calls, managing property, and fighting through legal processes. The list goes from one page to a hundred pages fast. Griffin and Stoy both get personal on this one.

We also go deep into the Noise vs. Truth section, taking on two of the biggest myths circulating right now: that everyone needs a trust, and that avoiding probate is always the right move. Spoiler: a TikTok video does not qualify anyone to advise you on irrevocable trusts. One wrong word and you can actually lose the tax benefit you thought you were protecting. This conversation cuts through that noise fast.

The closer is the one that sticks. Griffin lays out what he calls the Death Manual, getting your real wealth (the data, the passwords, the wishes, the stories between your ears) out of your head and onto paper. Not all at once. One bite at a time. Because 10 minutes today might save the people you love 10 months of chaos tomorrow.

https://youtu.be/a8_9mDS0RZ8

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

You think you made it. That's the problem.

At some point you crossed a line. You got the promotion. Paid off the debt. Hit a goal you'd been chasing for years. And somewhere in that moment... you told yourself you earned the rest. You earned the exhale. You earned the comfort. And that right there is exactly where most people begin their slow, quiet decline.

In this episode of Let's Get Real, Stoy Hall goes straight at the lie that comfort tells you. Not the motivational poster version of this conversation. The real version. The one that names what's actually happening when you stop pushing and start protecting. Your brain doesn't know the difference between safe and stuck. It only knows safe. And the moment life feels settled, it sends you a signal that says everything is fine... even when everything is slipping.

This episode covers what comfort actually costs you. Not just money. Not just missed opportunities. Your identity. Your edge. The version of you that had something to prove. Stoy uses real research, real client experience, and real talk to break down why the "I've earned this" feeling is most dangerous before you've actually built anything worth protecting. You laid two bricks. That's not a house.

Stoy also draws the line between rest and retreat. Because rest is real and rest is necessary. But retreat is fear in a comfortable outfit. And too many people are calling retreat by the name of self-care and balance and wisdom... when what's actually happening is they are getting out of their own way.

This one is a gut check. It's designed to slap you a little bit. Because somebody has to say it and Stoy isn't going to soften it for you. You haven't earned s*** yet. The work isn't done. And you already know it.

Watch on YouTube: https://youtu.be/7Px_u14cDiU

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

You walked into that review with receipts. You ran the relationships, trained the people who got promoted over you, covered someone's maternity leave for free, and showed up every single time. And what did you get? A 2.5% raise and a smile. Dr. Renee is here to call that out for exactly what it is, and more importantly, to tell you what to do about it.

This episode is part of the NoBS Wealth Black History Month Series, and Dr. Renee does not hold back. She brings the data. She brings the framework. And she brings the kind of real talk that comes from someone who lived it, worked through it, and came out the other side knowing her worth. When a Black worker earns 84 cents to every dollar a white worker makes, that is not an opinion. That is the math. And the math is why this conversation matters.

Dr. Renee lays out a three-part framework that will change how you show up at work: Value (if you can't quantify your impact, you can't negotiate), Visibility (stop being the best-kept secret in the building), and Leverage (options change everything, even if you never use them). This is not motivational fluff. This is a real playbook with a real case study, a client who got her title corrected and a 22% raise in 60 days.

Stoy also goes there on Gen Z, calling out the flip side of the conversation. Knowing your worth matters. But if you haven't put in the work to back it up, that's a problem too. This episode holds everyone accountable, no matter what generation you fall into.

The hard truth Dr. Renee leaves you with: shrinking is not a promotion strategy. If you don't advocate for yourself, someone else will price you. And it will be lower than what you deserve. Watch this on YouTube at

https://youtu.be/CRjQP1KIj84

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

We took a road trip for spring break. Flights were outrageous. Gas was fine. Made sense.

But I built in the seasonal spike. I always do. Spring break demand, summer blend switchover, refineries making the switch... I planned for all of it.

What I didn't plan for was a war.

A war that nobody voted for. A war launched while this country was already behind on mortgages, behind on student loans, behind on car notes... and bleeding jobs at a pace we haven't seen since World War II.

In Episode 33, I'm getting into all of it. The gas prices hitting families right now during one of the busiest travel periods of the year. The delinquency numbers that were already at historical highs before the first bomb dropped. The 300,000+ federal jobs gone and the unemployment rate that's now past 4% and climbing. And the one thing war has always been really good at... distraction.

This isn't political. This is financial. This is real.

War is hell at home. War is hell on your wallet. And the people absorbing the cost aren't in the Situation Room.

They're at the pump. They're 90 days behind on a mortgage. They're refreshing their email waiting to hear back on a job application.

I'm Stoy Hall, and this is Let's Get Real. No guests. No filter. Just facts, finance, and what you can actually do about it.

Watch on YouTube: https://youtu.be/2EHdfqGSEm0

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

You see those three letters on the return address and your stomach drops. IRS. Your brain goes straight to worst-case scenarios. Am I being audited? Do I owe money? Am I going to jail? Tax expert Morgan Anderson joins @stoyhall on NoBS Wealth to cut through all of it and tell you exactly what is going on, why it happens, and what you actually need to do. No fear, no fluff, just the real framework you need when that letter lands in your mailbox.

Here is what most people do not know: 95% of the first IRS notices you will ever receive are computer-generated matching notices. The IRS is not sending a special agent to your door. They are running your tax return against third-party data from Venmo, PayPal, Stripe, and other platforms and flagging anything that does not line up. That process takes two to three years to work through their system, which means notices you get in 2026 are for tax years 2023 and 2024. It is slow, it is outdated, and most of it is fixable.

Morgan walks us through the three steps you need to take the moment you open that letter, the top three mistakes people make when they respond, and the real story of a plumber who ended up with $80,000 in back taxes because he did not know that income is income whether or not you receive a 1099. We also break down what the One Big Beautiful Bill actually did for everyday people using payment platforms, and why that change matters more than most people realize.

We close out with the question that divides tax season every single year: should you want a big refund? Morgan's answer is direct, and it is exactly what you need to hear before you file. Aim for net zero. Your money works harder in your pocket than it does sitting at the IRS.

Watch on YouTube: https://youtu.be/Xv-iOGqcNw0

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.