Debt isn’t about math; it’s about mindset, habits, and the stories we tell ourselves about money.

In this episode of The Michelle O’Neil Show, Michelle sits down with Howard Dvorkin, Chairman of Debt.com and one of the nation’s leading voices on credit counseling, to unpack the psychology of debt, social pressure, and financial behavior.

From credit card traps and consumer culture to smart debt strategy, budgeting, and wealth-building, this conversation delivers honest insight into how people fall into debt, and how they can climb out for good.

In this episode:

-Why debt is a behavioral issue, not just a numbers problem

-How social media and consumer culture fuel overspending

-The difference between good debt and bad debt

-Practical strategies to get off the “debt treadmill”

-How discipline, investing, and compound interest build long-term wealth

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Howard Dvorkin

https://www.howarddvorkin.com/

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Hospitality isn’t customer service, it’s a leadership strategy that shapes culture, trust, and loyalty.

In this episode, Michelle O’Neil continues her book brief on Unreasonable Hospitality by exploring how hospitality functions as a core leadership discipline.

She breaks down why making people feel seen, valued, and understood is not a soft skill, but a scalable strategic advantage that transforms businesses, teams, and customer relationships from competent to unforgettable.

In this episode:

-Why hospitality is a leadership mindset, not just customer service

-How emotional experience becomes a strategic advantage

-The famous “hot dog moment” and what it teaches about presence and care

-Using hospitality to shape culture, trust, and decision-making

-How to systemize and scale hospitality across your organization

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Michelle May O'Neil

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Most people don’t fail financially because they don’t earn enough, they fail because they don’t know their numbers.

In this episode of The Michelle O’Neil Show, Michelle sits down with financial coach and retirement planning expert Rita Oliver to talk about real-world money decisions, retirement readiness, and why early planning is critical to long-term financial security.

From budgeting struggles and lifestyle spending to retirement gaps, debt, and financial literacy, this conversation delivers practical insight for anyone trying to build stability in today’s economy.

In this episode:

-Why most Americans are underprepared for retirement

-How to organize spending and identify hidden disposable income

-The difference between needs, wants, and wishes in budgeting

-Lifestyle inflation, social pressure, and conscious spending choices

-Why knowing your income and expenses is the foundation of financial freedom

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Rita Oliver

https://www.instagram.com/moneystrategist/

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Great businesses aren’t remembered for what they sell, they’re remembered for how they make people feel.

In this episode, Michelle O’Neil breaks down key insights from Unreasonable Hospitality by Will Guidara and explains why emotional experience has become the true competitive advantage in modern business.

Drawing lessons from leadership, brand strategy, and customer psychology, Michelle explores how intentional hospitality transforms service into loyalty and turns ordinary interactions into lasting impact.

Chapters

0:00 Introduction to Unreasonable Hospitality

0:25 Why This Book Matters

0:50 Experience as Competitive Advantage

1:10 Service vs Hospitality

1:36 Meaningful Moments Matter

2:08 The Experience Economy

3:00 Diagnosing the Customer Experience

4:20 Intentional Experiences

4:30 Closing Thoughts

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Michelle May O'Neil

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What happens when you stop chasing success and start living in alignment with your faith and purpose?

In this episode, Michelle O’Neil sits down with Dustin Sanchez, a former lawyer turned legal marketing expert, to unpack his powerful journey of transformation.

Dustin shares how leaving the traditional legal path, embracing entrepreneurship, rebuilding his health, and surrendering control to God reshaped his life, business, and legacy. Together, they dive into faith, discipline, AI’s impact on marketing and law, and what it truly means to live with intention.

In this episode:

-Dustin’s pivotal life moments that led to personal and professional transformation

-Why faith and surrender played a key role in his success and peace

-How AI is changing legal marketing and search behavior

-The importance of branding, video, and community in a post-Google world

-What legacy really means when success is measured beyond money

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Michelle May O'Neil

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Dustin Sanchez

https://www.instagram.com/dustinsancheztv/

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You don’t need a breakdown to reinvent your life, you need honesty.

In this powerful episode, Michelle O’Neil explores the quiet moment when clarity replaces chaos and shows how personal reinvention begins with truth, alignment, and one courageous step forward.

If your life looks fine on the outside but feels empty on the inside, this message is for you.

In this episode:

-Michelle shares a powerful story about realizing a life can look “fine” on the outside but feel empty on the inside.

-She explains the difference between chaos (emotional crisis) and clarity (quiet truth).

-The episode breaks down how reinvention starts with honesty, not a dramatic breaking point.

-Michelle walks through five lessons for personal reinvention, including stabilizing essentials and redefining identity.

-The message closes with encouragement to take one decisive step toward a life that truly lights you up.

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Michelle May O'Neil

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Michelle O’Neil sits down with Todd Frankfort, a divorce lawyer, professor, and judicial candidate—to explore law, politics, legacy, and leadership.

From navigating the political climate as a judge to lessons learned from family, faith, and high-stakes cases, this conversation offers a rare look into integrity, service, and what truly defines success.

In this episode:

-Todd shares how his father influenced his legal career and values without casting a shadow over him

-He explains why he chose litigation, marital property law, and eventually teaching law students

-Todd breaks down why judicial neutrality matters despite running in a partisan system

-The conversation highlights how local judges impact everyday lives more than national politicians

-He reflects on legacy, fatherhood, decision-making under pressure, and personal values

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Michelle May O'Neil

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Todd Frankfort

https://www.owlawyers.com/our-team/todd-frankfort/

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Too many leaders spend their year reacting instead of leading, busy every day, yet drifting further from their real goals.

This conversation breaks down how to stop living in crisis mode and start designing a year with intention.

Michelle O’Neil shares a powerful framework for building 2026 around strategy instead of stress, including how to filter signal from noise, reverse-engineer your future self, and create systems that actually move the needle.

In this episode:

-Stop reacting to daily fires and start leading with intentional strategy.

-Design your year backwards from the person you want to be on December 31, 2026.

-Focus on three priority goals and filter everything else as noise.

-Build systems, metrics, and rhythms instead of relying on motivation.

-Declare non-negotiables and keep promises to yourself to build momentum.

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Michelle May O'Neil

https://www.instagram.com/themichellemayoneil/

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