You want the truth about the One Big Beautiful Bill. Not headlines. Not wishful thinking. The real impact on your money and your business. That is what we cover today.

Morgan Anderson joins me to break down what changes now, what phases in next, and where the media is getting it wrong. We hit the mess around “no tax on tips” and why it is not the free pass people think it is. We talk expiring credits, retroactive tweaks, and why Q4 tax planning beats “see you in March” every single time.

If you own an S corp or LLC, pay attention. We talk practical realities for business owners, from what deductions still pass the laugh test to new wrinkles you have not heard about. We also dig into common mistakes with DIY tax software and why first-time accuracy is going to be shaky after a major code shift.

We close with a September checklist you can run this week. W-2s, use the IRS withholding calculator. Business owners, sit down with your CPA or EA and your advisor. Adjust estimates. Map Roth conversions, HSAs, 529s, and risk management moves that help you get ahead of what is coming.

Watch the full episode on YouTube: https://youtu.be/yp7ziDcCg0o

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Q4 is the graveyard for lazy marketing. Every year, business owners crank out more posts, flood their feeds, and wonder why nothing sticks. It’s not about more volume. It’s about strategy, intention, and execution. And if you miss that in Q4, you’re already behind.

In this episode, Stoy Hall and Kristina Hall rip apart the myths the “experts” keep pushing. We tackle why Q4 is the toughest quarter of the year, how ad spend spikes and engagement plummets, and why throwing AI-generated junk into the world is only adding to the noise. We dig into rage-bait culture, the obsession with daily posting, and the lie that you need to be everywhere at once.

We go deeper than tactics. We talk about mindset. Why business owners chase trends instead of building stories that actually connect. Why stock photos and polished nonsense won’t move the needle. Why you need KPIs that matter, not vanity metrics. And why, if you don’t already have a Q4 plan, you better make one this week or risk starting next year scrambling.

This is not another “social media hacks” episode. This is the no-bullshit breakdown of what’s working, what’s dead, and what you should be doing right now to cut through the chaos.

If you’re tired of wasting time chasing algorithms, if you’re ready to hear the truth about how to actually use social to grow your business, this is your wake-up call.

Listen now, then watch the full episode on YouTube: https://youtu.be/KeVp7aHgAnk

Learn more at blackmammoth.com

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

It’s time to reset. No fluff, no filler, no long-winded bios. Just raw conversations about money and wealth that actually matter.

The NoBS Wealth Collective is here. A vetted group of badass professionals ready to go deeper than the surface-level talk you’re used to. We’re cutting through the noise of media myths and bringing you the truth—straight from experts who work in the trenches every day.

This isn’t entertainment. This is education that forces you to think, challenges what you’ve been told, and gives you steps you can act on today.

We’re building a community that’s real, transparent, and focused on making sure you’re not alone on your wealth journey. Every episode, you’ll walk away with clarity and action, not confusion and fluff.

Watch on YouTube: https://youtu.be/0mktbXbnSmc

Learn more: blackmammoth.com

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Parenting isn’t content. It’s real life. It’s loud, messy, exhausting, and worth every ounce of you. In this episode of Let’s Get Real, I talk honestly about back-to-school chaos, youth sports pressure, and the money choices that actually build a family you’re proud of. We get into why “perfect parent” is a trap, how to use the 18 summers mindset without panicking, and what coaching football keeps teaching me about raising boys who become solid men.

In this episode:

• The lie of perfect parenting and what to do instead
• Youth sports as a classroom for character, not clout
• Coach less, cheer more, and let kids be kids
• Spending with values so your money matches your priorities
• How to quiet the survival voice and make better decisions

Watch the full video: https://youtu.be/tg44sMFwSyM

Learn more: blackmammoth.com

Power Hour: Need clear, no BS answers on benefits, cash flow, and next steps that fit your real life right now? Book a focused session: https://www.blackmammoth.com/powerhour

If you want different outcomes for your kids, model different choices today.

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

This week on Let’s Get Real – we’re tearing into the headlines from the week of August 4th and not holding back. From FBI-confirmed pump-and-dump scams designed to leave you holding the bag… to TikTok layoff videos that could wreck your career before you even hit “upload”… to an Iowa task force actually floating performance-based pay and benefit cuts for teachers—yeah, they really said that.

I’ll break down exactly what’s going on, why it matters to YOU, and the moves you should be making to protect yourself, your money, and your future. No sugarcoating, no corporate spin—just straight talk and action steps.

Watch the full episode here: https://youtu.be/ZH5YSIMvW9Y
Learn more at: blackmammoth.com
Book your Power Hour here: https://www.blackmammoth.com/powerhour

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

You ever unplug long enough to actually feel again?

In this episode, I pull back the curtain on what really matters—not headlines, not hustle culture, not market panic. But moments. Memories. Legacy. After 18 hours in a car, hiking Zion, dodging rattlesnakes, and road-tripping with my wife and kids, I realized how little time we actually have with the people we love—and how much time we waste worrying about shit we can't control.

This one’s personal. We talk about the power of presence, why you’re probably putting off the wrong things, and how our obsession with productivity is robbing us of purpose.

I also drop a preview of what’s coming for No BS Wealth. We’re bringing in 31 vetted experts—real professionals, no fluff—to go deep on the stuff no advisor ever wants to explain. From taxes to legacy to legal and everything in between.

But today, I’m asking you to pause.

Lose reception. Gain some damn perspective.

Watch the full episode: https://youtu.be/HzIVGYNdOtA
Learn more: blackmammoth.com
Ready to go deeper? Join us for Power Hour: blackmammoth.com/powerhour

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Stop hiding from those IRS letters. They're not coming to drag you away in handcuffs.

The biggest lie the government ever told you? That tax debt will ruin your life. Here's the brutal truth: 99.9% of people who owe taxes will NEVER see the inside of a jail cell. But they will lose sleep, relationships, and thousands of dollars in penalties because they believe the fear-mongering.

In this no-BS episode, Stoy Hall sits down with Morgan Anderson, EA – a 26-year veteran of tax debt resolution who's seen it all. Morgan destroys the myths that keep you paralyzed and reveals the real playbook the IRS doesn't want you to know.

You'll discover:

• Why Al Capone's case has absolutely nothing to do with your $20K tax bill
• The massive system breakdown that's actually working in your favor right now
• How COVID broke the IRS machine (and what that means for you)
• The single phone call that can stop wage garnishments before they destroy your reputation
• Why your "tax professional" might be setting you up for a $700K disaster

This isn't feel-good fluff. This is war strategy.

Morgan pulls back the curtain on settlement negotiations, payment plans, and when to fight versus when to fold. If you're a business owner drowning in payroll taxes or an individual getting crushed by penalties, this episode could save you decades of financial pain.

The government wants you scared and compliant. Time to flip the script.

Connect with Morgan Anderson:

• Website: https://www.goldenliontaxsolutions.com/
• LinkedIn: https://www.linkedin.com/in/morgan-anderson-ea/
• Facebook: https://www.facebook.com/morgan.q.anderson.ea/

Warning: This episode contains explicit tax advice that may cause sudden feelings of empowerment and the urge to finally deal with that pile of IRS notices.

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

You didn’t ask for this bill. Hell, most people didn’t even know it got signed.

But now it's here—and it’s coming for your wallet, your business, your health benefits, your loan rates, and your damn peace of mind.

In this raw breakdown of The One Big Beautiful Bill Act, Stoy Hall exposes the top 5 financial threats buried in this 900+ page mess—from Medicaid cuts and IRS overreach to the gutting of clean energy credits and immigrant exclusion. But we don’t just stop at what’s broken—we show you where the loopholes live and how to take advantage of what little is actually useful.

This episode is for the real ones: Black and Brown communities, LGBTQ+ families, gig workers, service industry warriors, business owners grinding for generational wealth.

No fluff. No sugarcoating. Just the unfiltered facts you need to navigate this mess.

🎯 Want help applying these changes to your real life?
Book a Power Hour session now → https://www.blackmammoth.com/powerhour

📺 Full Video Episode: https://youtu.be/ZZnfynvzytM

🔗 Learn more: https://www.blackmammoth.com

Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!

As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

DISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.