Baker’s Dirty Dozen What are the financial mistakes that can quietly sabotage your future—and what can you do today to avoid them?

In this episode, personal finance educator, speaker, and Amazon bestselling author Joe Baker, MBA, joins us to unpack “Baker’s Dirty Dozen”—12 practical financial lessons designed to help you make smarter decisions with your money, build wealth, and work toward financial independence.

Joe is the author of Start Smart, Finish Rich!, which reached #1 on Amazon in Financial Services, Wealth Management, and Portfolio Management.

For more than 27 years, Joe has taught personal finance at the UAMS College of Pharmacy, helping thousands of graduate students understand the principles of building wealth and managing money wisely. Known for his engaging, down-to-earth teaching style, Joe has a gift for taking complicated financial concepts and turning them into practical strategies people can actually use.

Joe is also a frequent speaker at colleges of pharmacy, professional conferences, leadership academies, and student organizations across the country. His presentations combine real-world experience, practical financial strategies, and relatable stories that challenge audiences to take control of their financial futures.

But for Joe, financial success isn’t simply about accumulating money. His longtime philosophy is: “It’s not how much you make; it’s how much you keep.” Today, he adds another important principle: “True wealth is also measured by how much you give.”

Joe lives that philosophy through his commitment to education and giving back, including establishing endowed scholarships at Southern Arkansas University and the UAMS College of Pharmacy, as well as serving on the Southern Arkansas University Foundation Board of Governors.

Whether you’re just beginning your financial journey, approaching retirement, or somewhere in between, Baker’s Dirty Dozen offers practical wisdom that could change the way you think about money.

Listen closely—you may discover a financial mistake you’re making right now. LarrysRRR

#PersonalFinance #FinancialFreedom #BuildWealth #FinancialIndependence #GenerationalWealth