In this Pocket Byte episode of The Wealth Effect, we explore a crucial yet often overlooked aspect of entrepreneurship: investing beyond your business. An often overlooked pillar of entrepreneurial success is the investment portfolio. As an entrepreneur, you're already betting on yourself and your business. But what happens when the market shifts, clients pause spending, or growth stalls? As today’s episode reveals, building an investment portfolio is not just wise; it’s essential.
We explore:
Why business success doesn’t always equal financial freedom
The dangers of tying your entire net worth to one asset
How diversification can protect and grow your wealth
Whether you're just launching or already scaling, this episode will challenge you to think differently about your financial future.
Listen in and start building wealth beyond your business.

In this heartfelt and deeply insightful episode of The Wealth Effect, Dr. Kimberly Harms joins us to share her powerful life journey from a career in dentistry to navigating profound personal loss. A former commissioned officer in the United States Public Health Service and a successful dental practice owner, Dr. Kim opens up about financial experiences. This conversation goes far beyond money.
Dr. Kim vulnerably shares her experience of becoming a widow, the devastating loss of her son to suicide, and her path through grief, depression, and healing. She offers practical and emotional wisdom on estate planning, end-of-life care, and the importance of open communication with family to avoid conflict and preserve legacy. We discuss why planning for death is not about fear, it's about living with purpose and peace.
This episode is a moving guide on how to prepare practically for life’s most difficult moments.
🔗 Resources Mentioned
Dr. Kimberly Harms' website: DrKimberlyHarms.com 
Rethinking Death: https://rethinkingdeath.life/
Upcoming book: Rethinking Death.Life

In this episode of The Wealth Effect, we sit down with Julius, a digital content creator whose artistic vision is shaped by a life rich in culture, travel, and transformation. Born in South Africa during a time of great change, Julius brings a global perspective to creativity and entrepreneurship. We explore how his experiences with high-profile projects and his decision to become a full-time artist in 2021 have influenced his approach to content, brand building, and digital NFTs.
Website: https://fineart.juliusjooste.com/
Social Media: juliusjooste.com/contact
NFTs: https://fineart.juliusjooste.com/nfts/
Julius' Show notes: https://fineart.juliusjooste.com/articles/interviews/the-wealth-effect-an-interview-with-julius-jooste/
 

Why do smart people make irrational financial choices? Why do we stick with doomed projects, failing investments, or toxic commitments, just because we’ve already spent money, time, or energy on them? You’ll learn the psychology behind sunk costs, including loss aversion and cognitive dissonance.

In today’s episode of The Wealth Effect, we’re asking a question most people run from: How much is enough? Not what society says. Not what social media flaunts. But what you truly need to feel free, secure, and in control of your life.
This isn’t about chasing millions. It’s about redefining wealth on your terms. We unpack the psychology of “enough,” explore lifestyle tiers, cost of living, and how geography, mindset, and values shape your financial needs. Whether you’re chasing FIRE or simply want peace of mind, this episode helps you rethink what financial freedom really looks like. Not just in dollars, but in how you live.
If you’ve ever wondered what your freedom number is, or felt like wealth is always just out of reach, this conversation might change how you see the game.

In this episode of The Wealth Effect, I chat with Nancy Ward, a passionate and purpose-driven financial coach helping clients break free from credit card debt without relying on traditional budgeting methods. Nancy shares her journey from personal debt and financial uncertainty. Nancy empowers families to prioritize their financial well-being with personalized strategies for a secure financial future.
Nancy brings a calm, compassionate, and practical perspective to financial coaching. Whether you're feeling stuck in your finances, struggling with money conversations, or just need guidance to create a plan that works—this episode will give you tools and inspiration to take your next step.
Links:
LinkedIn: https://www.linkedin.com/in/nancyward1/
Money Snapshot: https://www.nancywardfinancialcoach.com   
Email:  nancy@nancywardfinancialcoach.com

Welcome Brian Parana! 
More than a health coach, Brian Parana is a transformative catalyst who comprehends the intricate balance between professional achievement, personal well-being, and family responsibility.
With 20+ years of experience, Brian focuses NOT on a diet or just exercise but on empowering and building confidence for his clients. By blending science-supported strategies, relentless support, then a personalized plan is designed for each client to regain control of their health while building a career and support a family.
 
Coach Brian Parana’s "30 Tips in 30 Days" offers simple, actionable strategies to improve nutrition, fitness, and overall self-care. 
Each day introduces one practical tip, empowering you to build sustainable habits, boost confidence, and feel your best without overwhelm.
Highlights Include:
Nutrient-packed meal ideas and grocery list optimization.
Quick workouts and movement habits for busy schedules.
Small daily routines like hydration and gratitude journaling for lasting health improvements.
Ready to take control of your health? Visit https://go.brianparana.com/30days to jumpstart your health journey today!
 
Other links
www.brianparana.com 
Social Media @coachbrianparana

We Welcome Dr.Jose Mendoza! 
Dr.Jose Mendoza got his start in cardiac surgical procedures assisting physicians. At the same time his path on nutrition, physical fitness and wellness began. After seeing people stay and return unwell, he sought a better way to help others. Qigong and energy medicine played a pivotal role.
Through rigorous study, he completed his 4 year doctorate in Chinese Energetic Medicine program with over 4000 hours in 2024. Jose has also received instruction in physical fitness as well as nutrition and herbalism.
By blending ancient healing wisdom with cutting-edge scientific knowledge, Jose guides clients on transformative journeys of physical, mental, and spiritual healing. Using his vast understanding of the interconnectedness of the physical, energetic and spiritual, he empowers individuals to take charge of their health to unlock optimal health, vitality and profound shifts in their lives.
 
Contact Information:
Website: risetohuman.com
Instagram:@JMDCEM

Welcome back to The Wealth Effect, where we don’t just talk about making money. We talk about keeping it.
In this episode, we're diving into the dark side of wealth: scams. Because the truth is, building wealth is only half the battle. The other half? Not losing it.
From Ponzi schemes to social media “wealth coaches,” from crypto cons to fake investment platforms, we break down the psychology behind scams and the emotional triggers that make them work, like greed, FOMO, pride, and urgency. You’ll learn how to spot the red flags and protect your money with clarity, caution, and confidence.
We’re unpacking 9 of the most common and costly scams and giving you the mental tools to see through the hype and stay in control. Because real wealth isn’t loud, and it definitely isn’t easy. It’s earned, protected, and built smart.
Let’s fill your pocket—and protect what’s already in it.