NoBS Wealth
Welcome to the NoBS Wealth Podcast—where we ditch the BS, cut through the noise, and get real about what it takes to build wealth, especially for women, minority business owners, and those standing on the edge of their financial journey, ready to take that first bold step.
We’re not here to sugarcoat it. I’m Stoy Hall, your host and Certified Financial Planner, and I’m bringing you conversations that go beyond the spreadsheets. We're talking about the emotional, psychological, and real-life challenges of money—and how to crush them.
Why You Should Tune In:
- No Fluff. Just Actionable Advice: You don’t have time for complicated, jargon-filled nonsense, and I don’t have the patience to give it to you. Here, we’re breaking down strategies you can actually use—whether you're managing cash flow in your business or figuring out how to start investing without feeling overwhelmed.
- Your Money, Your Mindset: If you think the key to wealth is just about saving and investing, you’re missing half the game. We’ll tackle the inner work—overcoming financial fear, breaking generational money cycles, and adopting a winning mindset to keep you in the game long-term.
- Real Stories You’ll Relate To: We’re bringing on guests with stories like yours. Women and minority business owners who’ve been where you are, taken the risks, and come out on top. No “overnight success” garbage—just honest journeys filled with ups, downs, and everything in between.
Who This Podcast Is For:
If you’ve ever thought:
- “I want to build wealth, but I don’t know where to start.”
- “I’m ready to grow my business, but I need guidance on the financial side.”
- “I don’t come from money, and it feels like I’m playing catch-up.”
Then congratulations—you’re exactly who this podcast was designed for.
What You’ll Get Out of It:
- Breaking the Fear: We’ll help you face that first step head-on and show you that building wealth isn’t just for the rich or privileged—it’s for you.
- Alternative Wealth Strategies: From real estate to investing in your business, we’ll explore nontraditional ways to grow your money without drowning in “just invest in the S&P 500” advice.
- Practical Tools: Whether it’s tax hacks, cash flow management, or scaling your business, we give you the tools to act, not just dream.
It’s time to bet on yourself. Tune in, get inspired, and most importantly—take action. The life you want? It’s within reach.
Visit nobswealth.com to catch our latest episodes and join the NoBS movement.
And yeah, we get a little explicit around here. You’ve been warned.
NoBS Wealth
Why Women & Minorities Feel Trapped in Financial Shame | Let's Get Real Ep. 3
Shoot us a message, we are here for you and we listen!
REAL TALK: Let's Get F*REAL is the no-BS podcast that rips off society's band-aids and dives straight into the raw truth about money, power, and who really gets to build wealth in America.
Ever noticed how the "money talk" feels different when you're a woman or minority? Yeah, we're going there. We're exposing the uncomfortable truth about why two-thirds of student debt sits on women's shoulders, why successful minorities hide their financial struggles, and why that gut feeling of being "judged" in the banker's office isn't just in your head.
Host Stoy Hall, CFP® isn't here to sugarcoat it. As a straight-shooting financial advisor, he's calling out the BS in the financial industry while building bridges for those who've been left out of the wealth conversation for too damn long.
🎯 What We're Really About:
- Crushing the money shame that's keeping you quiet
- Exposing the truth about bias in finance
- Building generational wealth (yeah, it's possible)
- Real stories from real people breaking the money silence
New episodes drop every week. Because it's time we all got real about money.
Ready to break free from money silence? → Check out more episodes: https://www.youtube.com/@LetsGetFReal → Get the full story: nobswealth.com
Warning: This isn't your typical "save more, spend less" financial show. We're here to shake things up, call out the system, and build something better. If you're tired of playing small with your money, this is your wake-up call.
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!
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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.
We're back. Yeah. I mean, I just filmed the other one so you can see I'm wearing the same stuff, but these go back to back. So it makes sense. Previous episode on let's get real. We were discussing women and minorities, both from their fear, their, their bias, which we'll talk about now, systemic issues, et cetera, of why they believe, or we talk about it and they don't talk about money as much. Well, today we're going to dive into, let's see. The fear of biases and discrimination and representation matters. All right, so we hit a pawn last episode, which you need to go check out. Again, these are 10 minute clips. Come on, peeps. About cultural differences, which is a big one. But ultimately here, when we're talking about the fear of biases and discrimination, it's, it's that women and minorities are always putting more pressure on themselves to be held to a higher standard because they feel like they have to overcome. Whether true or not, that is the feeling. One example is I know someone who's female, works in the STEM industries, and even her own financial planner wasn't told that she had 80, 000 of student debt. Replaced her with someone else, big pile of credit card debt. It doesn't really matter the difference. Women and minorities specifically, when talking about debt, do not like to open up and tell people what's going on really. Truly, because they don't want to be looked at as lessers. They don't want to be discriminated against when it comes to getting loans. And third, they're supposed to be successful inside their families. And if they're the ones that went to college, debt shouldn't be on their mind. They should be given it back, which we did hit upon last episode of cultures. And the fear is legit. It's out there. And why is that? Um, there's some research out there that women carry two thirds of the nation's student loan debt. Why? Well, I mean, they weren't allowed in the workforce and education not that long ago. Uh, two, they typically are the ones taking care of the children, leaving their careers, going to school at the same time, or going back to school and doubling down on it. And that's just a couple of the reasons. Now you think to yourself right now, all the women in your world, are they holding onto this burden, this burden of actual financial debt or this burden of debt, of not being able to speak openly without the fear of discrimination and bias. Or, judgment. Think through that. Do you judge anybody when you first look at them? It happens. We all do it. Representation matters. I hit upon this before. Both in the Let's Get Real series, but also in the regular series, No BS Wealth, on many, many episodes. And you'll hear me continuously talk about this, both in Black Mammoth, my personal life. Social media everywhere. The fact that there is not enough women and minorities in one, financial services, but in other industries to really help change the trajectory of people's lives. I'm going to speak on the wealth side because that's what the hell I do. But ultimately, there is not enough women and minorities in this profession for other people to look at when they're out there and they're searching going, I, I like him. You know, Stowie's a good dude. I want to be like him. if I'm a kid. I want to work with him if I'm an adult. I wish there was more like that so we could help more people. Those things are going on. Those conversations are being had. And if you're a woman, a minority, you're always going to have some natural relation with, one, your own race or your own color, if you will. Even, hell, even minority to minority, you feel a little more comfortable than you do in a room full of white men. Women, very much the same scenario. Is it right? Is it wrong? You know, a lot of you are going to say, get over it. Suck it, suck it up buttercup. Ultimately it happens. And we had to fight through that natural tendency that we have, which is okay, but we have to recognize it. So again, back to it, women, minorities have a tough time through both biases, discrimination, as well as the lack of representation. So again, you tell me, how are they supposed to open up about money to you? How are they supposed to be comfortable? We need to change our conversations. We need to bring everyone in. We need to have these deep rooted conversations because it's not about the money. It's not about the dollars. It's about how people treat others, how people care, and their emotions when it comes to all of this because that dictates when it goes. Thank you for being part of another episode of Let's Get Real. We'll keep bringing you real shit and we're straight to the heart every time. Stay tuned.
