Michael and Brady invite top Charlotte real estate agent David Scibor to break down exactly how buyers can put their best offer forward in a competitive and constantly shifting market. From understanding market timing and pricing psychology to building certainty for sellers and avoiding costly first-time buyer mistakes, this conversation delivers a practical, real-world playbook for winning in modern real estate. Whether you’re a first-time buyer, upgrading your home, or investing strategically, this episode connects the financial and emotional sides of buying so you can move forward with purpose and precision.

Key Timestamps:

(00:00) - Modern real estate overview

(03:00) - Agent background experience insights

(06:00) - Buyer emotions versus math

(09:00) - First-time buyer realities

(12:00) - Homeownership wealth statistics

(15:00) - Market discomfort explained clearly

(18:00) - Making strong buyer offers

(21:00) - Due diligence strategies explained

(24:00) - Down payment myths addressed

(27:00) - Charlotte market demand trends

(30:00) - Buyer readiness checklist

(33:00) - Choosing right real estate agent

(36:00) - Hidden buyer risks explained

Key Topics Discussed:

Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, Financial Wellness, Wealth Building, Financial Psychology, Financial Advisor, Finance Coach, Student Loan Debt, Finance Guidance for High Earners, Business Owner Finances, Hiring a Financial Advisor, Student Loan Forgiveness, Tax Strategies, Retirement Planning, Investing Strategies, Financial Guidance for High Earners, Smart Money Moves for High-Income Professionals, Tax, Wealth & Investment Strategies for Top Earners, Financial Planning for Doctors, Lawyers & Execs, Wealth Management Tips for High-Income Earners, Expert Advice on Taxes, Investing & Growing Wealth, High Earner Money Talk, Financial Wisdom for 6-Figure+ Entrepreneurs, Smart Strategies for Managing High Income, Taxes & Freedom for High-Earning Professionals, The Dave Ramsey Show, BiggerPockets Podcast, The Motley Fool Money Show, We Study Billionaires, ChooseFI, Afford Anything, Winning Real Estate Offers, First Time Home Buyer Strategy, How To Make Strong Offer, Modern Real Estate Market Tips, Charlotte Housing Market Insights

Mentions:

David’s Website: https://davidscibor.kw.com/

David’s LinkedIn: https://www.linkedin.com/in/davidscibor

Website: https://www.genesiswealthplanning.com/

Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/

Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/

Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelraco

Homeowner vs Renter Statistics: https://finance.yahoo.com/news/rent-brace-yourself-homeowners-43xs-090317962.html

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please...

Michael and Brady sit down with Colin Stroud, founder of Go Somewhere, to reveal how everyday spending can unlock premium travel, luxury experiences, and thousands of dollars in hidden value. Colin breaks down point arbitrage, credit card strategy, and how high-spending business owners can turn routine expenses into first-class flights and five-star hotel stays without spending a dollar more. Whether you're a travel lover, a frequent flyer, or simply someone who wants to optimize your financial life, this conversation will change the way you think about credit cards forever. Learn how to avoid common mistakes, uncover the best perks, and transform spending into a strategic wealth tool.

Key Timestamps:

(00:00) – Credit Cards Explained Clearly

(03:00) – Business Owners Reward Potential

(06:00) – Mindset Behind Credit Usage

(09:00) – Starting Strong Reward Strategy

(12:00) – Choosing Optimal Credit Cards

(15:00) – Understanding Point Arbitrage

(18:00) – Redeeming High-Value Travel

(21:00) – Using Tools For Searches

(24:00) – When To Hire Experts

(27:00) – Travel Seasons Point Value

(30:00) – Hidden Cardholder Travel Perks

(33:00) – Travel Options Beyond Flights

(36:00) – Cash Back Usage Benefits

Key Topics Discussed:

Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, Financial Wellness, Wealth Building, Financial Psychology, Financial Advisor, Finance Coach, Student Loan Debt, Finance Guidance for High Earners, Business Owner Finances, Hiring a Financial Advisor, Student Loan Forgiveness, Tax Strategies, Retirement Planning, Investing Strategies, Financial Guidance for High Earners, Smart Money Moves for High-Income Professionals, Tax, Wealth & Investment Strategies for Top Earners, Financial Planning for Doctors, Lawyers & Execs, Wealth Management Tips for High-Income Earners, Expert Advice on Taxes, Investing & Growing Wealth, High Earner Money Talk, Financial Wisdom for 6-Figure+ Entrepreneurs, Smart Strategies for Managing High Income, Taxes & Freedom for High-Earning Professionals, The Dave Ramsey Show, BiggerPockets Podcast, The Motley Fool Money Show, We Study Billionaires, ChooseFI, Afford Anything, Credit Card Reward Strategy, Travel Points Optimization, Business Owner Spending Perks, Point, Arbitrage Explained, High-Value Travel Redemptions

Mentions:

Guest’s website: https://www.gosomewhere.world/

Guest’s LinkedIn: https://www.linkedin.com/in/gosomewhere

Website: https://www.genesiswealthplanning.com/

Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/

Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/

Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelraco

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated...

Michael and Brady break down the first 30 days after losing your job, teaching you how to protect your cash flow, navigate health insurance changes, and make smart decisions about benefits, severance, and retirement accounts. You’ll learn what belongs in your financial “survival kit,” how to avoid emotionally driven mistakes, and how to uncover unexpected silver linings hidden inside uncertainty. Whether you’ve been laid off, feel vulnerable in a shifting economy, or simply want to build stronger preparedness, this episode gives you the mindset and tools to stay grounded, strategic, and financially fortified.

Key Timestamps:

(00:00) – Why job loss preparation matters

(03:00) – Building your financial “survival kit”

(06:00) – Emotion vs. strategy in financial decisions

(10:00) – Emergency funds and when to use them

(15:00) – Understanding insurance and benefit changes

(18:00) – COBRA, marketplace, and spousal coverage

(21:00) – The danger of relying solely on employer benefits

(27:00) – Handling stock options, vesting, and loans

(29:00) – Using SLOCs, HELOCs, and other tools

(31:00) – Roth opportunities in low-income years

Key Topics Discussed:

Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, Financial Wellness, Wealth Building, Financial Psychology, Financial Advisor, Finance Coach, Student Loan Debt, Finance Guidance for High Earners, Business Owner Finances, Hiring a Financial Advisor, Student Loan Forgiveness, Tax Strategies, Retirement Planning, Investing Strategies, Financial Guidance for High Earners, Smart Money Moves for High-Income Professionals, Tax, Wealth & Investment Strategies for Top Earners, Financial Planning for Doctors, Lawyers & Execs, Wealth Management Tips for High-Income Earners, Expert Advice on Taxes, Investing & Growing Wealth, High Earner Money Talk, Financial Wisdom for 6-Figure+ Entrepreneurs, Smart Strategies for Managing High Income, Taxes & Freedom for High-Earning Professionals, The Dave Ramsey Show, BiggerPockets Podcast, The Motley Fool Money Show, We Study Billionaires, ChooseFI, Afford Anything, Job Loss Planning, Financial Survival Kit, Managing Cash Flow During Layoffs, Health Insurance After Job Loss, Roth Conversion Opportunities

Mentions:

Website: https://www.genesiswealthplanning.com/

Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/

Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/

Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value.

Michael Acosta is