In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes Dr. Nick Schmidt, a practicing physical therapist and founder of PT Assist and the Physical Therapy Project. Dr. Schmidt shares his journey from a pre-pharmacy student to a passionate advocate for innovative revenue streams in physical therapy. The conversation delves into the importance of cash-based services, the potential of retail sales in clinics, and the creation of a supportive community for physical therapists. Dr. Schmidt emphasizes the need for sustainable business practices and the role of physical therapists as musculoskeletal experts.  Takeaways   The transition from traditional to cash-based models can enhance revenue. Retail sales in clinics offer a viable revenue stream with the right products. Building a community among physical therapists fosters growth and innovation. Understanding the market and patient needs is crucial for success. Integrating new technologies requires careful consideration and planning. Consistency and passion are key to professional growth. Collaboration with other practice owners can provide valuable insights. The importance of aligning new revenue streams with clinic capabilities. The role of physical therapists as primary musculoskeletal care providers. The value of connecting with like-minded professionals in the field. Chapters         [00:00] Introduction and Welcome ·       [02:15] Dr. Nick Schmidt's Background and Journey ·       [05:30] Exploring Cash-Based Services ·       [10:45] The Role of Retail Sales in Clinics ·       [15:20] Building the Physical Therapy Project Community ·       [20:00] Innovative Technologies and Their Implementation ·       [25:30] Challenges and Opportunities in Revenue Streams ·       [30:15] Advice for Practice Owners ·       [35:00] Closing Thoughts and Contact Information More About Dr. Schmidt: Nick Schmit is a practicing physical therapist and the founder of The PT Assist and The Physical Therapy Project community on Skool. Throughout his career, Nick has developed a deep passion for helping practice owners build sustainable businesses while reinforcing the role of physical therapists as the musculoskeletal experts.  This passion led him to create The PT Assist, a platform that helps clinic owners successfully integrate retail sales into their practices. His newest venture, The Physical Therapy Project, is both a community and a resource hub for physical therapists exploring cash-based services and modalities such as dry needling, saunas, shockwave therapy, laser, retail offerings, wellness services, and more. The community provides guidance on what services are available, how they work, which might be the best fit for a clinic, and practical strategies to implement them smoothly and effectively.  Nick grew up in central Minnesota, earned his bachelor's degree in Zoology from North Dakota State University, and went on to complete his Doctor of Physical Therapy at the University of Nebraska Medical Center in Omaha. He now lives in North Dakota with his wife and their growing family.  Grounded by his faith and family, Nick is grateful for the many blessings in his life. His mission is to add as much value to the profession as possible and to connect with others who are boldly pursuing their dreams and passions.   Resources from this Episode: Nick's email: [email protected] The Physical Therapy Project Website Nick on LinkedIn   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode, Dr. Karen Litzy welcomes back David Ian Wood to discuss the challenges entrepreneurs face, especially shiny object syndrome. They examine how to overcome distractions, the importance of understanding one's motivations, and practical strategies for staying focused. David shares insights on planning, accountability, and making tasks enjoyable to boost productivity. He also introduces his innovative app designed to help users in real-time during calls, highlighting the role of gamification in reaching business goals.  Takeaways Shiny object syndrome is prevalent among entrepreneurs. Understanding your 'why' is crucial for motivation. Planning involves knowing what to focus on and what to avoid. Gamifying tasks can make them more enjoyable and productive. Focus should be structured over different timeframes. Accountability is key to maintaining focus and achieving goals. The Pomodoro technique can enhance productivity. Making work fun can lead to better results. Reaching out to others can be a game-changer for business growth. Personal development is essential for long-term success. Chapters 00:00 Introduction to Shiny Object Syndrome 05:06 Understanding Your Why 09:32 Planning for Focused Action 19:46 Gamifying Your Tasks for Success More About David: A former Consulting Actuary to Fortune 100 companies – including Sony Music, Chanel, and Exxon – David left his cushy Park Avenue job 20 years ago to build  the world's largest coaching business. He became #1 on Google for "life coaching", serving an audience of 150,000 coaches, and coaching thousands of hours across 12 countries. Alongside his clients' successes, David is no stranger to overcoming challenges himself, having overcome a full collapse of his paraglider and a fractured spine, witnessing the death of his sister at age seven, severe anxiety and depression, and a national Gong Show!   He is the author of "Get Paid For Who You Are," with foreword by Jack Canfield. He was nominated to the exclusive Transformational Leadership Council alongside such thought leaders as Don Miguel Ruiz, John Gray, and Marianne Williamson. David believes that the tough conversations we avoid, are our doorways to confidence, success, and love. They become the defining moments which shape our world. He coaches high performing entrepreneurs, executives and teams – and now prison inmates –  to create amazing results and deep connection. Achieve more, by focusing on less. Resources from this Episode: Focus.CEO David on YouTube Free Business Assessment Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy and Smart podcast, Dr. Iyer shares his unique journey from a small town in India to becoming a physician and educator. He discusses the importance of curiosity in understanding life, the challenges of maintaining focus in a chaotic medical environment, and strategies to combat burnout. Dr. Iyer emphasizes the significance of consciousness in medicine and the power of connection and listening in patient care. He also reflects on his impactful TEDx talk and the ongoing challenges of the attention economy. Takeaways ·      Curiosity drives understanding of how life works. ·      Focus and attention can be developed like a muscle. ·      Burnout is linked to identity and purpose. ·      Connection is essential for effective communication. ·      Listening without judgment enhances patient care. ·      Consciousness plays a crucial role in medicine. ·      Resilience can be built through self-expression. ·      The pandemic highlighted the need for human connection. ·      Opportunities are abundant when viewed as space. ·      The best is yet to come in personal growth. Time Stamps:  00:00 Introduction to Dr. Iyer 06:08 The Journey of Life and Curiosity 15:03 Focus and Attention in Medicine 21:48 Navigating Burnout and Resilience 26:38 Helping Others When Life Doesn't Work 42:08 The Power of Connection and AttentionMore About Dr. Iyer: Ravi Iyer, MD is a Harvard-trained Physician-scientist, 3x viral TEDx speaker, best-selling award winning author, inventor, entrepreneur and global educator whose 42-year career in medicine, science and leadership includes a 9-year Directorship of a Hospice caring for dying patients, and a 4-year Chairmanship of a 225-bed hospital and global recognition by Marqui's Who's Who in America and Who's Who in TOP Doctors of America.  Sought after as a brilliant engaging educator  and transformational behavioral coach, Dr Iyer's TEDxGary talk on The Power of Intentional Focus is currently the #1 most globally viewed TEDx talk released in 2024 with over 4.28 million views. His book "The Art of Viral Speaking" that describes his journey to the TEDx stage is the winner of the 2025 International Impact Book Award in Business Marketing and Brand Excellence. Dr. Iyer is recognized as a Leadership expert and global educator. A passionate believer in the liberating power of education, he is the founder of Education Beyond Borders, a free program of educational content that goes out via Zoom to over 300 million students worldwide in the ICSE and CBSE Schools in India and 28 other countries. In the healthcare field, his workshops on Burnout Resistant Leadership; Cognitive Alignment for teams and courses on Strategies of Neuroaligned Groups are rated as transformational for enabling individuals, teams, and organizations to discover methods by which they can remain connected to their purpose with immense focus, creativity, resilience and flexibility in navigating the challenges of their enterprise and their life. Dr Iyer is a staunch believer in the value of empowered women in pushing forward every aspect of social and enterprise accomplishment and his programs demonstrate the various ways in which men can discover their validation of themselves as enablers of feminine success. Resources from this Episode: Dr. Iyer's Website Dr. Iyer on LinkedIn Dr. Iyer on YouTube Dr. Iyer's TedX Talk   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode, Dr. Karen Litzy speaks with Steve Lewis, founder of Nabu, about the importance of empowering patients through technology. Steve shares his personal journey from working with musicians to developing a health tech startup aimed at improving patient care. The conversation explores the challenges of creating a health tech product, the importance of communication in healthcare, and the future of patient advocacy. Steve emphasizes the need for comprehensive tools that help patients manage their health information and advocate effectively for themselves.   Takeaways ·      His daughter's health challenges inspired Steve's journey into health tech. ·      Naboo aims to provide a single source of truth for patient information. ·      Effective communication is crucial for patient care and adherence. ·      Building a health tech startup requires understanding the needs of all stakeholders. ·      Safety and compliance are paramount in developing health tech solutions. ·      Patients need tools that help them advocate for their own care. ·      The entrepreneurial journey involves collaboration and community support. ·      Technology can enhance the patient experience and improve outcomes. ·      Don't hesitate to share your ideas and seek feedback. ·      Financial literacy is essential for aspiring entrepreneurs.   Time Stamps:  00:00 Introduction to Patient Empowerment 03:11 The Journey from Music to Medicine 05:55 The Birth of Nabu: A New Tool for Patients 08:42 Building a Health Tech Startup 12:01 Navigating Challenges in Health Tech 14:50 The Importance of Communication in Healthcare 17:57 Enhancing Patient Care with Technology 20:42 Safety and Compliance in Patient Care 23:49 His daughter's Experience with Nabu 26:52 The Future of Patient Advocacy 29:41 Entrepreneurial Insights and Advice   More About Steve:Steve Lewis is an internationally recognised healthtech founder, product leader, and patient advocate, known for building breakthrough solutions at the intersection of technology and real-world care. As Founder and CEO of Nabu.ai, Steve is on a mission to transform fragmented health information into a single, actionable source of truth for patients, families, and care teams. With over 20 years of experience spanning creative, brand strategy, product design, digital transformation, and startup leadership, Steve's work is informed by both professional expertise and deeply personal experience. His daughter's early arrival in the NICU and complicated health journey catalysed his relentless pursuit to fix the fragmented care journey as an advocate, an insight that powers Nabu's vision for a truly comprehensive patient- and carer-led technology addressing the most critical problems in health. Steve is rapidly emerging as a sought-after voice in digital health and innovation. He has been invited to share his authentic, "from the front lines" perspective at live events and on leading digital health podcasts. Steve's talks explore themes including AI for health equity, patient empowerment, data privacy, and the future of connected care, resonating with audiences for their candor and real-world relevance. A passionate believer in co-design and inclusion, Steve is actively collaborating with Australia's leading healthcare providers to validate the Nabu Advocate platform and drive innovation in its core feature set. By working closely with clinicians, families, special needs communities, and expert advisory boards, Steve ensures Nabu is built to meet real-world needs and deliver meaningful impact. Steve's story, which is rooted in resilience, empathy, and systems change resonates with audiences from hospital executives to grassroots advocates. Whether on stage, on air, or in the boardroom, he is known for challenging the status quo and inspiring others to put patient voices at the centre of healthcare transformation. Resources from this Episode: Nabu Website Steve on LinkedIn   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy, and Smart Podcast, host Karen Litzy welcomes Dr. Marcia Harris, a pioneer in hormone restoration and a specialist in menopause care. With over 40 years of clinical experience, Dr. Harris has helped more than 10,000 midlife women reclaim their energy, sexual vitality, and quality of life. They delve into common myths and misconceptions surrounding menopause, discussing the need for personalized care rather than one-size-fits-all solutions. Dr. Harris shares her inspiring journey, which began with a personal tragedy that motivated her to ensure better maternal care. Tune in to learn about Dr. Harris's groundbreaking total transformation protocol and discover practical strategies for thriving through midlife. Time Stamps:  [00:01:33] OBGYN care origins and motivation. [00:09:24] Focus on women in midlife. [00:14:29] Hormone therapy misconceptions and changes. [00:19:48] Bio-identical hormone therapy explained. [00:21:41] Hormone replacement therapy discussion. [00:29:16] Myths of menopause debunked. [00:34:25] Hormone replacement therapy options. [00:37:18] Hormone therapy benefits and risks. [00:45:05] Hormones are necessary for health. [00:50:13] Live your passion. [00:52:36] Healthy living tips. More About Dr. Harris: Meet Dr. Marcia Harris-Columbia- and Cornell-trained surgeon turned hormone restoration pioneer-who has helped over 10,000 midlife women reclaim their energy, sexual vitality, and quality of life. With over 40 years of clinical experience, she's challenging outdated menopause care with her groundbreaking Total Transformation Protocol. If you're ready to ditch one-size-fits-all medicine and learn what actually works for thriving through midlife. MD degree: Columbia University, College of Physicians and Surgeons Internship: Harlem Hospital Center, Internal Medicine Residency: Weill Cornell Medical Center- The New York Hospital Obstetrics/Gynecology Attending Physician / Private Practice at New York Hospital for 35 years Instructor, Department of Ob/Gyn, New York Hospital, for 35 years Last 10 years: Medical Director, The Wellness Restoration Center, New York City, NY Holistic and Integrative Medicine is dedicated to uncovering the root cause of diseases Empowers women to take charge of their health as we take care of the "whole patient" Focus: Menopause, Andropause (male menopause), Sexual Dysfunction, Vaginal rejuvenation, BHRT, Lifestyle changes incorporating diet, weight loss and stress reduction Go to person for professional women to go from 'burnout' to peak potential. She is passionate about busting the myths, countering the misconceptions, and correcting the misinformation that is prevalent about menopause in our society today Resources from this Episode: Dr. Harris Website Dr. Harris on Facebook Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes Lauren Schoenfeld, founder of Active Core Consulting, to discuss the importance of understanding finances in business. Lauren, a self-proclaimed numbers nerd, specializes in providing fractional CFO services, bookkeeping, and operational coaching for health and wellness entrepreneurs. The conversation kicks off with Lauren explaining what a fractional CFO is, using a relatable pizza analogy to illustrate the concept. Listeners will learn how to manage their finances more effectively, prioritize profit, and move away from the hustle culture as they navigate their entrepreneurial journeys. Tune in for valuable insights that can help transform your approach to business finances!   Time Stamps:  [00:01:21] Fractional CFO explained. [00:07:06] Money goals for new businesses. [00:09:46] Delayed rent negotiations for startups. [00:12:56] Owner's salary importance in business. [00:18:59] Subscription audit for entrepreneurs. [00:24:04] Ability to generate income quickly. [00:25:52] Limiting beliefs around money. [00:29:29] Questioning limiting beliefs. [00:34:10] Key Performance Indicators in Business. [00:39:13] Churn and attrition rates. [00:42:09] Enjoying the entrepreneurial journey.   More About Lauren: Lauren Schoenfeld is the founder of Active Core Consulting, a one-stop shop for entrepreneurs in the health and wellness industry who need a fractional CFO, bookkeeping, sales, or operations coach. Lauren empowers CEO's to have confidence in their finances to put them in the driver's seat of their dream company. She's a self-proclaimed numbers nerd and athlete who helps owners develop a financial plan and execute on the strategy that puts their profit first.   Lauren started at PricewaterhouseCoopers, where she learned the consulting framework. She then mastered the do's and don'ts of scaling a rapidly growing company from her time at WeWork. At her final corporate job, Lauren helped Equinox Fitness Clubs grow from 80 to 105 locations, enter into new international markets, and incubated nine of the most well-known wellness-focused ventures, including Equinox Hotel, Precision Run Studios, and SoulCycle On-Demand. Her final corporate project was to consolidate SoulCycle and Blink Fitness back office into the Equinox processes and systems.   On a personal note, Lauren suffered from burnout working in the corporate world which led to developing a chronic illness. She has grown her business while healing her body through nontraditional modalities and is on a mission to end hustle culture for entrepreneurs!   Resources from this Episode: Active Core Consulting Website Active Core Consulting on Instagram Free Expense Calculator   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy Wealthy and Smart podcast, host Dr. Karen Litzy welcomes Dr. Michael Neal, founder and CEO of Build My Team and a practicing optometrist in Hawley, Pennsylvania. They discuss best practices in hiring, drawing inspiration from successful companies like Disney and the Four Seasons. Dr. Neal shares his personal journey of overcoming hiring challenges in his practice, providing valuable insights for practice owners and business leaders. Tune in to learn effective strategies for building a strong team and improving your hiring process.   Time Stamps:  [00:02:03] Hiring challenges in healthcare practices. [00:07:03] High-end customer service in healthcare. [00:09:37] Hiring the right team members. [00:15:53] Candidate-practice matching importance. [00:19:25] Hiring process resistance and risks. [00:20:40] Hiring challenges in healthcare. [00:27:57] Affordable hiring solutions for practices. [00:29:34] Advice for 20-year-old self.   More About Dr. Neal: Dr. Michael Neal is the Founder & Chief Executive Officer of Build My Team. Dr. Neal is a practicing Optometrist alongside his wife, Dr. Amy Neal.  Together, they founded Lakeside Vision in picturesque Hawley, Pennsylvania. They are celebrating their 20th year of servicing Northeast Pennsylvania.  Downtime is spent with Amy, their two boys, and two dogs. Both Drs.  Neal has recently taken up running and even runs when not being chased.   Resources from this Episode: Build My Team Website Build My team on Facebook Build My team on LinkedIn Dr. Neal in the Media   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes Linda Melone, a certified conversion copywriter and former personal trainer. They dive into the importance of having a strong, unique value proposition in the medical and fitness industries. Linda shares her diverse background, which includes a degree in nutrition, experience as a pastry chef, and her journey into copywriting. She emphasizes the need for health and fitness brands to identify their unique voice to stand out in a competitive market. Tune in to discover how to refine your brand's message and effectively connect with your audience. Time Stamps:  [00:01:07] Unique value proposition in fitness. [00:05:44] Differentiating as a copywriter. [00:08:25] Unique value proposition discovery. [00:12:02] Unique value proposition creation. [00:18:07] Unique value proposition examples. [00:22:15] The danger of over-promising. [00:24:20] Testing your unique value proposition. [00:28:27] Strengthening Unique Value Propositions. [00:32:09] Importance of human touch in copy. [00:37:08] Business advice for creatives.More About Linda: Linda Melone is the founder of The CopyWorx, host of the High-Conversion Health Marketer podcast, a seasoned copywriter, former personal trainer and email strategist with over 15 years of experience in the health, wellness, and fitness industries.  With a proven track record including a $70k contract from a single email sequence and a 44% lift in homepage conversions, Linda's work speaks for itself. Prior to becoming a copywriter, she wrote content (articles and blogs) extensively for all the top print and online publications. She's been featured in MSN Health, TIME, Shape, Self, Men's Fitness, and HuffPost, among many others.  Today she's laser focused on helping craft messaging for her clients that attracts their ideal customers. Resources from this Episode: The Copy Worx Website Linda on LinkedIn Linda's LinkTree Linda's Freebies Linda's Newsletter Linda on YouTube Linda on Spotify Hot Jar   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes Tom Swales, a seasoned physiotherapist and strength coach with over 20 years of experience in injury prevention, rehabilitation, and performance optimization. Tom shares his journey into physical therapy, driven by his passion for sports and a personal experience with injury that motivated him to understand the human body. He discusses the mind-body connection in movement and healing, and how it plays a crucial role in engaging clients. As the creator of the Advanced Movement Therapist certification, Tom provides valuable insights for professionals looking to enhance client outcomes and focus on peak performance. Tune in for an inspiring conversation on the intersection of movement, healing, and professional growth in physical therapy.   Time Stamps:  [00:01:27] Passion for physical therapy journey. [00:06:12] Understanding the human body. [00:08:05] Neurological influence on movement. [00:13:54] Nervous system's role in pain. [00:16:46] Setting patient expectations. [00:19:41] Mindfulness in chronic pain management. [00:22:42] Self-assessments for progress tracking. [00:26:30] Building resilience in chronic pain. [00:30:12] Building resilience through small wins. [00:34:20] Competing against yourself in workouts. [00:36:19] Training for longevity vs. performance. [00:40:52] Framework for effective clinical practice. [00:45:19] Trust the process, be patient. [00:00:00] Podcast introduction and gratitude.   More About Tom: Tom Swales is a respected Physiotherapist and Strength Coach with over 20 years of experience in injury prevention, rehabilitation, and performance optimization. He created the Advanced Movement Therapist (AMT) Certification to help professionals enhance client outcomes by focusing on peak performance.   As the founder of COMPHYSIO+ Performance Wellness, Tom has worked with professional athletes and consults for Olympic and international sports organizations, making him an expert guest for health and performance-related podcasts.   Resources from this Episode: Tom's Website Tom on Instagram Tom on YouTube Tom on LinkedIn Tom on TikTok   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

In this episode of the Healthy, Wealthy and Smart podcast, host Karen Litzy welcomes back financial expert Joe Reinket to discuss the latest changes in student loans. Joe, a CFA charter holder and founder of FitBux, shares valuable insights into how these changes will impact three key groups: current students, those in repayment, and graduates nearing forgiveness. The discussion provides practical information on what to expect regarding student loans. Join Karen and Joe for an informative conversation that aims to clarify the current landscape of student loans and empower listeners with knowledge.   Time Stamps:  [00:01:48] Student loan changes overview. [00:05:03] Federal vs. private student loans. [00:10:03] Student loan funding for programs. [00:12:10] Student loan forgiveness programs. [00:15:49] New IBR vs Old IBR. [00:21:32] New vs. old IBR. [00:25:11] New Income Repayment Assistance Plan. [00:27:10] Loan forgiveness options explained. [00:31:27] Public service loan forgiveness changes. [00:37:32] Student loan refinancing options. [00:39:25] Financial planning for young professionals. [00:43:01] Home ownership financial perspective. [00:45:57] AI scribe for physical therapists.   More About Joe: Joseph is a Chartered Financial Analyst (CFA) and founder of FitBUX which has helped over 18,000 young professionals on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates. He is currently an adjunct financial wellness professor at 15 universities. Resources from this Episode: FitBux FitBux on YouTube FitBux on Instagram   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio