In this Halloween inspired episode, we're trick or treating you to 5 financial horror stories of people having their financial dreams turned to nightmares.

But don't worry! This episode isn't just about the scares. We're handing out some practical tips and strategies to help you protect your finances, avoid common money traps, and keep your financial future from becoming a horror story of its own.

This Halloween, peel back the wrapper and enjoy a financial treat instead of a money nightmare! Tune in, learn from these cautionary tales, and take steps to protect your wallet, your savings, and your future.

· Horror 1: Zero Emergency Savings (1:00)

· Horror 2: Uncontrolled Spending (5:15)

· Horror 3: Ignoring Retirement Savings (8:00)

· Horror 4: Identity Theft Ambush (13:30)

· Horror 5: Skipping Insurance Protection (16:15)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

From restaurants and coffee shops to takeout counters and self-checkout screens, tipping seems to be everywhere—and most Americans have had enough.

In this episode, we're taking a closer look at the tipping culture in the United States, why it has become so pervasive, and whether the current system actually benefits the people it was supposedly designed to help.

The conversation isn't about being cheap or refusing to reward great service. It's about asking a bigger question: Should customers be responsible for determining workers' compensation every time they buy something?

· Worst Places That Asked For A Tip (2:15)

· Businesses Are Putting Costs Onto Consumers (6:00)

· Tipping Guilt Is Real (9:00)

· Can Cause Mistreatment Of Workers (14:15)

· When And When Not To Tip (18:30)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett

What happens when the people teaching our children can't afford to live in the communities where they work?

In this episode, the Brad sits down with local teacher Paris Dosch, for an honest and deeply personal conversation about teacher salaries, the rising cost of living, and the financial and emotional challenges facing educators across the country.

This isn't just a conversation about teacher salaries. It's about what happens when passion for a career collides with the realities of rent, mortgages, groceries, transportation, student loans, and saving for the future.

· What The Average Teacher Makes In The US (2:45)

· Most Teachers Have Seconds Jobs (8:15)

· Why We Pay Teachers Less As A Country (14:30)

· Extra Costs Teachers Pay (19:45)

· Summers Aren't Free Time (27:00)

Listen Now!

To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-409-8150

To supersize your Mindset experience and see our lovely faces and all the cool charts and graphs we use subscribe to our YouTube Channel here: Mindset with Brad Barrett