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  • #82: How My Clients Are Building Cashflow Through Passive Investments (And What You Should Know Before You Start)

    #82: How My Clients Are Building Cashflow Through Passive Investments (And What You Should Know Before You Start)
    2025/07/09
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball Ever wonder how to actually build wealth without working 24/7? In this episode, I’m breaking down the most powerful passive income vehicles my real clients are using right now—from real estate and businesses to stock market plays and peer-to-peer lending. Whether you're in momentum-building mode or long-term legacy planning, I’ll walk you through how we design income streams that actually cashflow… and not just look good on paper. We’re talking cashflow over net worth, smart systems over hustle, and what it really takes to go from ideas to income. What are the real investments my clients are making to create monthly income (not just paper wealth)? I share the top cashflow-focused strategies—from ETFs and real estate to businesses, peer lending, and life insurance—and how to think strategically about building income that fuels your freedom. In this episode, I cover: The "Snowball" investing method I teach through TARDUS Why cashflow matters more than net worth—and how to design for it The 3-phase framework for choosing your next investment vehicle The truth about "passive" business ownership (and what nobody tells you) Real examples of how clients are making money via real estate, stock market funds, businesses, and more What to know about peer-to-peer lending, promissory notes, and life insurance as income tools Why I don’t recommend certain vehicles (like crypto—for now) How to think in terms of momentum vs. legacy in your investment strategy ✅ Key Takeaways Cashflow is king. A high net worth doesn't matter if you’re cash-poor. Design your investments to pay you now. Real estate is a favorite because it can pay monthly—even without owning the property directly. Buying a business ≠ automatic passive income. You still need systems, backup plans, and sometimes… therapy. Stocks and options can generate monthly cash—if you use the right funds or partner with fund managers. Peer-to-peer lending and promissory notes are underrated, flexible ways to turn cash into income streams. Cash value life insurance can be a surprisingly powerful tool for storing and accessing liquid capital. Know which stage you're in: Momentum Building vs Legacy Building. Your investments should match that energy. 🎯 Actionable Insights Audit your investment mix: How much of your money actually pays you back each month? Choose your lane: Decide whether you’re in a cashflow phase or long-term wealth phase—and invest accordingly. Design for passive income: Even with business or real estate, build the systems up front to reduce your day-to-day involvement. Start small and diversify: Use tools like Prosper or Groundfloor to dip into lending or real estate without huge capital. Explore income-backed insurance: If you're sitting on cash, consider turning it into a liquid, income-generating life insurance asset. 🛠️ Resources Mentioned 📚 TARDUS Method – Snowball strategy for cashflow investing 🏘️ Groundfloor – Real estate crowdfunding platform 📈 Prosper – Peer-to-peer lending platform 💰 Cash Value Life Insurance / Infinite Banking – More in Episode with Sarry Ibrahim #72:Unlocking Wealth: The Truth About Cash Value Life Insurance with Sarry Ibrahim, Part 1 #73:The Power of Intentional Wealth: How to Grow Your Money in Two Places at Once with Sarry Ibrahim, Part 2 🏢 Real estate syndications, mortgage notes, and business franchising (various client case studies) 🌟 Final Thought: At the end of the day, building passive income streams isn’t about chasing the next big thing — it’s about creating a system that aligns with your goals, lifestyle, and values. Whether it’s real estate, equities, lending, or businesses, what matters most is being intentional, staying educated, and taking bold action. Remember: no investment is truly “set it and forget it.” Stay engaged, build your snowball, and let your money work as hard as you do. 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    20 分
  • #80: 3 Costly Real Estate Mistakes That Are Keeping You Stuck + How to Avoid Them

    #80: 3 Costly Real Estate Mistakes That Are Keeping You Stuck + How to Avoid Them
    2025/06/25
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball Are you buying property with your heart instead of your head? In this episode, I’m pulling back the curtain on the 3 BIGGEST real estate mistakes I see my clients make — mistakes that are costing them thousands and holding them back from building the generational wealth they’re chasing. If you’ve been thinking about getting into real estate, or if you're already in the game but not seeing the returns you expected, this is the wake-up call you didn’t know you needed. Hey founder friends — today we’re getting real about real estate. I’ve been working closely with clients who are diving into the investing world, and I keep seeing the same missteps again and again. These are mistakes that can totally derail your wealth-building journey if you're not careful. From letting emotion drive your purchases (hello, “I bought two houses in a week!” energy), to sleeping on the power of multifamilies, to straight-up letting fear keep you from getting started — we’re talking about all of it. I'm walking you through the exact conversations I’ve had with clients, the math that matters (yes, we’re breaking down cash-on-cash return in real time), and why your team — NOT the seller — should be your go-to for numbers you can trust. This episode is not about shaming anyone for mistakes — it’s about helping you move smarter, not harder. I want you walking away knowing how to analyze deals like a pro, avoid emotional traps, and finally take that first (or next) step with clarity and confidence. In This Episode, I Share: The #1 emotional mistake new investors make (and how to avoid it) Why cash-on-cash return is the deal-breaker metric no one talks about enough Real client stories that prove you need a due diligence process Why multifamily properties are the Costco of real estate (and why I love them so much) How fear of buying out-of-state could be sabotaging your success 📌 Key Takeaways: Don’t let excitement make decisions for you. Always run the numbers before you buy. Cash-on-cash return is a must. It shows how much money your investment is actually making you, based on what you put in — not just the purchase price. Multifamilies can fast-track your wealth. More units = more income, less risk, and lower cost per door. Your team matters. Never trust seller numbers without running them by your coach, agent, or advisor. Analysis paralysis is real — but so is diving in blind. The sweet spot is educated action. ✅ Actionable Insights: Use the Cash-on-Cash Return Formula: Net Annual Income ÷ Total Out-of-Pocket Investment (Hint: A good return is 8–12% for single-family, often higher for multifamilies) Run deals past your team. Don’t trust turnkey sellers or agents without verifying comps and projected returns. Challenge the “buy local” mindset. Explore out-of-state markets where your money can stretch further and returns are stronger. Set real estate criteria BEFORE you buy. Know what success looks like for you — financially and personally. 📚 Resources Mentioned: Book: Multifamily Millions by David Lindahl — a must-read if you’re ready to scale your portfolio. Tool: Your personal deal analysis calculator (cash-on-cash, cap rate, ROI — learn them, use them). Pro Tip: Build your real estate dream team — coach, agent, lawyer, lender — BEFORE you need them. Want to take the emotion out of investing and start building with boldness? This episode is your crash course. 👂 Press play and let’s get you real-estate ready. 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    27 分
  • #79: Say It Anyway: Thought Leadership in the Age of Brain Rot with Kristin Chadwick, Part 2

    #79: Say It Anyway: Thought Leadership in the Age of Brain Rot with Kristin Chadwick, Part 2
    2025/06/04
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball Do you ever wonder if your voice truly matters? In this soul-stirring episode, Melissa Manning sit down with podcast coach and story strategist Kristin Chadwick to uncover the magic of speaking boldly, freely, and with real impact. From fearless stories about her daughter’s audacity to hard-earned wisdom on authentic thought leadership, Kristin reminds us why your original voice still matters in a world drowning in recycled content. Whether you’re a podcaster, a purpose-driven entrepreneur, or simply craving to show up more fully in your life, this conversation will ignite a fire within you. What if your daughter’s bold compliment could not only save a life but also teach you how to use your voice more bravely? Together, we dive deep into the ripple effect of audacious, confident voices. From teenage courage to navigating thought leadership in the age of “brain rot” (yes, we go there), this episode is your permission slip to stop hiding, own your message, and bring your full self to the mic — even if you think everything’s already been said. This one is deep, practical, and a wake-up call for every founder sitting on a story the world desperately needs to hear. 🔑 Key Takeaways: Confident voices change lives. Kristin’s daughter showed us the power of speaking up without fear—and how one small comment can make a massive impact. You don’t need brand-new ideas. Thought leadership isn’t about saying something no one has ever said. It’s about saying it in your voice, through your lens. Your story is your superpower. Everyday moments—like a carpool convo or a business mistake—can become content that connects and converts. Clarity explodes growth. The most successful podcasters are the ones who are painfully clear on who they serve and what they’re not about. Make space for reflection. In a world of endless scroll, deep thought is rebellion. Walk. Journal. Breathe. Let the wisdom rise before you speak. 🧠 Actionable Insights: Keep a Story Bank: Start a Notes app or journal where you drop in story ideas as they happen—don’t trust your brain to remember them later! Reflect on Books: When reading something impactful (like Profit First or Ed Mylett’s work), jot down what resonated and how it applies to your life or biz. Make It Yours: Share others’ ideas by giving credit, but personalize them. How did this concept work (or flop) for you? What would you tweak? Get Coaching: Kristin credits coaching—and eventually becoming certified herself—as the game-changer that helped her find her own voice. Define Your Niche Clearly: Who are you here for? Be bold. Don’t be afraid to repel the wrong audience to attract the right one. 📚 Resources & Mentions Book: Profit First by Mike Michalowicz Book: Women Who Run with the Wolves by Clarissa Pinkola Estés Book: Open This Book by Sara Lohse – for building your thought leadership through personal story Book: The Body Keeps the Score" by Bessel van der Kolk Podcast Coaching for Kingdom Entrepreneurs ✨ Final Thoughts In this episode, you’re reminded that your voice isn’t just valuable—it’s vital. Whether you’re speaking to one or one million, your story has the power to unlock someone else’s breakthrough. Don’t wait for permission—speak up. Every time you choose to show up and speak from the heart, you make room for someone else to do the same. Let your voice be the spark that lights someone else's fire. Connect with Kristin Chadwick 🌐 Website: kristinfieldschadwick.com Kristin Chadwick Facebook Page 📸 Instagram: @kristinfieldschadwick 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    35 分
  • #78: How to Build Confidence as a Podcast Host (Even If You’re Not Ready) with Kristin Chadwick, Part 1

    #78: How to Build Confidence as a Podcast Host (Even If You’re Not Ready) with Kristin Chadwick, Part 1
    2025/05/28
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball Have you ever felt like your voice wasn’t worth sharing? Like the loud, confident people around you had the stage—and you were just meant to observe from the sidelines? Then THIS episode is for you. Melissa Manning sits down with podcast coach and industry powerhouse Kristin Chadwick, who takes us on her deeply personal (and incredibly relatable) journey from quiet observer to confident podcast producer and voice-empowering coach for Kingdom-minded entrepreneurs. We talk about how she unearthed her own voice behind the mic, why podcasting is one of the most powerful tools to spark transformation, and how you, yes YOU, can launch your podcast—even if you’re nervous, hesitant, or unsure. If you’re sitting on a message and wondering if it’s worth sharing, let this be your permission slip to step up, press record, and let the world hear it. 🔑 Key Takeaways Your voice is a key that unlocks something in someone else. Whether you're a stay-at-home mom or a major influencer, your unique story carries weight and power. You don’t have to be loud to be impactful. Kristin went from a quiet observer (literally hiding behind the mic) to coaching hundreds of podcasters by tapping into the strength of being herself. Start small. Start scared. Just start. Getting behind the mic felt terrifying for Kristin—but it was also where she rediscovered joy, purpose, and confidence. Depth over speed. Not every idea needs to be rushed out. Some episodes need to "percolate"—and the best ones often do. Obedience over algorithm. Sometimes the most strategic thing you can do is… pause. Kristin stepped away from her podcast for a full year to hear from God—and came back stronger. 🎯 Actionable Insights 🎤 Feeling nervous to go live or record? Practice with a friend. Do IG Lives or voice memos. Build the muscle. 🧠 Ask yourself: Does this need to go deep or does this need to go now? Let that guide your content pace. ✍️ If you’re shy, start by writing. Let your thoughts live somewhere, then read them out loud. 🙏 Surrender your timeline. There’s a divine pace to purpose. Listen in. 📚 Resources & Mentions Kristin Chadwick’s podcast: Wholistic Hearts Podcast Podcast Coaching for Kingdom Entrepreneurs The Body Keeps the Score" by Bessel van der Kolk Melissa’s weekly IG Live series with Brittany: 30-min Monday Lives ✨ Final Thoughts (from Melissa) This episode is a powerful reminder that you don’t need to be the loudest in the room to have something worth saying. Sometimes the most audacious thing you can do… is whisper your truth into a mic and watch it echo in hearts around the world. If you’ve been thinking about starting a podcast—this is your sign. Connect with Kristin Chadwick 🌐 Website: kristinfieldschadwick.com Kristin Chadwick Facebook Page 📸 Instagram: @kristinfieldschadwick 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    24 分
  • #77: How One Mom-Turned-Founder, Karen Aguirre, Is Revolutionizing Nail Care—The Non-Toxic Way. Part 2

    #77: How One Mom-Turned-Founder, Karen Aguirre, Is Revolutionizing Nail Care—The Non-Toxic Way. Part 2
    2025/05/21
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snow What do you do when your job ends—but your purpose is just getting started? In this raw, uplifting episode, I sit down with my friend and the founder of Nails Envie, Karen—a woman who turned a corporate layoff into a thriving luxury mobile nail brand in Las Vegas (and now Miami!). From driving Uber to handcrafting clean beauty products, to flying solo to a private Bahamian island hosted by a client-turned-benefactor—Karen’s story is a masterclass in faith, hustle, and heart-led business. We go deep on what it really means to build a purpose-driven brand—from hospital beds to celebrity clientele (yes, Drake 👋🏽), and from lavender scrubs to life-altering generosity. This episode is for every woman who's ever felt knocked down and needed the bold reminder: your purpose is bigger than any paycheck. 🔑 Key Takeaways (From Karen’s Mouth to Your Spirit): Put God First, Always. Faith isn’t just for Sunday—it’s for the Uber rides, the quiet moments, the uncertain seasons. Health Is Beauty. Your skin is your largest organ—Karen makes her own scrubs and lotions with organic, non-toxic ingredients because self-care should be safe. Service Is the Strategy. She’s given manicures to trauma survivors, fire victims, and seniors who can't leave home. Her work is more than polish—it's healing. Say YES, Even When It’s Scary. One “yes” took her to a private island in the Bahamas and expanded her vision of what’s possible. Start Humble, Grow Audaciously. From driving Uber to pitch clients to scaling her brand across states—every step mattered. Custom Over Cookie-Cutter. From seniors to celebs, she tailors each experience—because beauty should feel personal. ✅ Actionable Insights: Trust > Hope. Shift your language. Hope is passive. Trust is active. Move like it’s already working out. Audit Your Beauty Products. If you can’t pronounce it, don’t put it on your body. Look Inward. What skills or licenses have you left behind? Dust them off—they might fund your future. Lead With Generosity. You don’t need wealth to give. Kindness, skill, and intention go a long way. Infuse Service Into Your Brand. Ask: who can your business help today—without waiting for “someday”? 📚 Resources & Mentions: Nails Envie – Karen’s eco-friendly mobile nail salon in Las Vegas→ @nailsenvielv on Instagram→ Nails Envie Mobile Nail Salon 🙌 Connect with Karen Aguirre Website: Karen Aguirre Instagram: @nailsenvie Nails Envie Mobile Nail Salon 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    46 分
  • #76: From Layoff to Luxury: How Karen Aguirre Turned Setback into a Self-Care Movement with Nails Envie

    #76: From Layoff to Luxury: How Karen Aguirre Turned Setback into a Self-Care Movement with Nails Envie
    2025/05/14
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball What if the moment you feared most became the turning point to your freedom? In this raw and uplifting episode, I sit down with Karen, the founder of Nails Envie—Las Vegas’ eco-friendly, mobile nail salon. After being laid off from her corporate accounting job, Karen didn’t panic—she pivoted. With a nail tech license collecting dust and a deep passion for clean beauty, Karen turned uncertainty into opportunity. We talk about what it took to build a business from scratch, why clean, non-toxic beauty matters, and how she juggled motherhood, marriage, and even co-running a restaurant while building a luxury self-care experience for women on the go. Whether you're facing change, feeling stuck, or just need a reminder that your pivot could lead to purpose, this episode will leave you inspired—and ready to audit your polish drawer. 🔑 Key Takeaways: Pivot with Purpose: Layoffs aren’t the end—they can be the beginning of something audacious. Your Intuition Is a Business Partner: Pay attention to the signs and prepare quietly but strategically. Non-Toxic Is Non-Negotiable: Many nail products still contain harmful chemicals like formaldehyde and toluene—Karen breaks down what to avoid and why. Reignite Old Passions: Sometimes, your next chapter is hiding in a skill you’ve forgotten or set aside. Self-Care is Strategy: Even 10 minutes of stillness, skincare, or stretching matters when life feels chaotic. Partnership Matters: Behind every bold woman is often a partner or village who holds it down at home. ✅ Actionable Insights: Audit Your Nail Products: Check for formaldehyde, toluene, DBP, and camphor—ditch the toxins. Ask the Right Questions: When visiting a salon, ask if their products are clean, vegan, and cruelty-free. Revisit Your Skill Set: What licenses, talents, or certifications are you sitting on that could be reignited? Think Creatively About Income: Karen drove Uber in a luxury car to bridge the gap—there’s no shame in the hustle. Build in Recharge Time: Add 10–30 minutes a day just for you—it adds up. 📚 Resources & Mentions: Nails Envie – Karen’s eco-friendly mobile nail salon in Las Vegas → @nailsenvielv on Instagram → Nails Envie Mobile Nail Salon 🙌 Connect with Karen Aguirre Website: Karen Aguirre Instagram: @nailsenvie Nails Envie Mobile Nail Salon 🔥 Join the Audacious Founder Community! 💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!💡 Share This Episode – Know someone starting a business? Send them this episode!💡 Follow on IG – @Audaciousfounder 🚀 Follow Melissa Manning for more business & wealth-building insights! 🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    36 分
  • #75: How to Bounce Back From a Bad Investment and Build Real Wealth

    #75: How to Bounce Back From a Bad Investment and Build Real Wealth
    2025/05/07
    💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now! Get on the email list! Watch this video about the Tardus' Income Snowball

    Ever felt like burning it all down after a tough investment call? You're not alone — but here's the kicker: what if that "failure" is the exact thing that prepares you for the future you’re building? In this episode, I get real about the gut-wrenching lessons that come with taking risks, investing, and trusting the wrong people — and how to flip the coin and claim the power on the other side.

    This is your tough love pep talk. Your emotional financial therapy. Your reminder that the dream life you're building is on the other side of that rickety rope bridge — and every busted wooden slat is just a lesson, not a life sentence.

    🔑 Key Takeaways

    • Every situation has a good side and a bad side. You choose which side you focus on.

    • A painful financial mistake today can be your superpower tomorrow—if you learn the lesson.

    • Traumatic investment losses often create smarter, stronger, more diligent investors.

    • Investing is risky, but not every risk is worth taking. Due diligence is non-negotiable.

    • Pre-build property deals carry hidden risks—your capital is tied up, the property isn’t yours yet, and external factors (like hurricanes or legislative delays) can derail everything.

    ✅ Actionable Insights:

    1. Flip the coin.
      Whenever you're stuck in disappointment, ask yourself: What's the good in this? What did this teach me?

    2. Set boundaries with your generosity.
      Helping loved ones? Get clear on your terms. Protect your credit and your peace.

    3. Pre-build investments? Proceed with caution.
      Understand what you don’t control — and always plan for delays and disruption.

    4. Write your lessons down.
      Seriously — keep an “Investor’s Journal.” Catalog what went right, what went wrong, and what you’ll do differently.

    5. Hold the vision.
      When fear tells you to run, remind yourself why you started. Your dream life is still on the other side.

    Resources Mentioned:

    • 💸 Tardus Wealth Strategies – Learn more about the Income Snowball Strategy I teach in my coaching.
      👉 Tardus Wealth Strategies

    Call to Action: 💪 Ready to take control of your finances?👇🏼 Book Your Audacious Wealth Breakthrough Call Now!

    If you’ve ever questioned your decision-making, felt scared to take another risk, or been shaken by a loss — this episode is the breath of audacious air you need. I’m sharing stories from real clients (names changed), the real emotions behind big financial moves, and the very real growth that happens when you choose to step forward anyway.

    🔥 Join the Audacious Founder Community!

    💡 Subscribe & Leave a Review – Your feedback helps us reach more audacious founders!
    💡 Share This Episode – Know someone starting a business? Send them this episode!
    💡 Follow on IG – @Audaciousfounder

    🚀 Follow Melissa Manning for more business & wealth-building insights!

    🚀 What does audacity mean to YOU? Drop a comment or DM me on Instagram!
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    28 分