NoBS Wealth®

Hosted by Stoy Hall, CFP®

Business Investing Health Fitness

Website RSS feed LinkedIn Instagram YouTube

Episodes

233

Latest episode

Aug 2026

Language

EN-US

About the show

Welcome to the NoBS Wealth Podcast , where we cut through the noise and tell the truth about money. Not the cute truth. The real truth. The kind that makes you pause, get uncomfortable, then finally do something different. I’m Stoy Hall , Certified Financial Planner and founder of Black Mammoth. This show isn’t built for people who want motivation. It’s built for people who want outcomes. Especially women, minorities, LGBTQ folks, and business owners who are tired of being talked down to, sold to, or fed recycled advice that doesn’t fit real life. Here’s what we do differently. We don’t spend 10 minutes on bios. We get straight to the topic and we go deep. Every episode follows a simple structure so you leave with clarity, not content consumption. What’s happening What’s the real problem and why does it matter right now. What the media and society are screaming about The hot takes, myths, half-truths, and fear cycles that keep people stuck. The expert lens Not theory. Not generic tips. How real professionals actually work with clients when things get messy. The frameworks, the mistakes, the hard truths. The plan Real steps you can take in the next 7 days, 30 days, and 90 days. This show is for you if you’ve ever thought: "I’m making money but I still feel behind." "I’m running a business but cash flow feels like a constant fight." "I don’t come from money and I’m tired of learning the hard way." "I’m exhausted from financial anxiety and I need a plan that holds." We talk about investing and taxes, yes. But we also talk about the stuff most finance podcasts avoid: shame, pressure, identity, family expectations, survival mode, and why your nervous system can hijack every good intention you have. You’ll hear conversations with the NoBS Collective , a vetted group of up to 31 professionals across money and real life. Tax pros, attorneys, therapists, lenders, advisors, and operators who actually give a damn about people. Not clout. Not hype. Results! If you want to build real wealth, you don’t need more noise. You need truth and a plan. Hit follow. Listen weekly. Come ready to feel seen, called out, and leveled up. Visit nobswealth.com to catch the latest episodes and join the movement. And yes, we can get explicit around here. If that bothers you, you’re probably in the wrong place.

Listen to episodes

60 recent

August 12, 202636 min

Your Business Operations Are Broken. Here's the Fix.

You didn't start your business to live in your inbox. So why does everything still run through you? Every decision, every approval, every client question, every fire, it all routes back to one brain. Yours. That's not a discipline problem. That's a design problem. And no amount of hustling harder is going to fix a business that's structurally leaking your time. This week Stoy Hall, CFP® sits down with Claire French, Operations Consultant & Business Manager and founder of CECO. From Sydney, Australia, Claire builds the operational backbone behind creative, visionary founders so their business can grow without collapsing the second they step away. She meets founders in what she calls the messy middle, that point where you're so tired of wearing every hat you don't even know what's broken anymore. Claire and Stoy get into the stuff nobody wants to admit. Why "just hustle harder" runs you straight into burnout. Why "just hire a VA" is not the answer when you actually have an operational leadership problem. Why systems don't kill the magic of your business, they're the only thing that protects it. And what the first 30, 60, and 90 days actually look like when someone finally takes the backend off your plate. Her hardest truth: you still have to show up. Claire can run the operations, build the systems, and hold the vision with you, but she can't be the visionary. That's you. This one is for every founder who's been the manager, the HR person, the payroll specialist, and the salesperson all at once, and is finally ready to just lead. Write it all down. Track your time. Then get the right help for the right problem. Connect with Claire French: Website: https://claireelizabeth.co/ Work with Claire: https://claireelizabeth.co/menu Instagram: https://www.instagram.com/claire.e.french NoBS listener offer: Mention NOBS on a discovery call, or use code NOBS on a Clairety Catalyst for 10% off. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

July 15, 202618 min

Roundtable Ep. 1 Pt. 3 | Guilt vs Shame Money Talk

You built something your family never had. So why does it feel like guilt instead of pride ? That is first gen wealth guilt, and it messes with your money, your identity, and your mental health in ways nobody warns you about. In this roundtable I sat down with four badass women who live this every day. Kristina Hall, Ashley Quamme, Tessa Santarpia, and Rachel Duncan get honest about being women, business owners, and cycle breakers in a world that raised us to expect a lot less. Ashley talks about growing up with every empowering message you could want and zero model for what being a woman business owner actually looks like. Tessa breaks down how first gen builders carry generations of disappointment in their nervous system whether they know it or not. Rachel calls building wealth her old dirty little secret, the immigrant American dream she married into, and what it means to be uncomfortable with your own comfort. Then Kristina brings the line every first gen builder has lived: the family member who keeps asking when you are going to get a real job. We get into betting on yourself, why everything is figureoutable, and the difference between staying among your people and outgrowing the money map you were handed. This one goes deep. If you want to hear Stoy's own story, he and Ashley did a Father's Day episode that gets into his guilt directly: https://youtu.be/1oDJ2wZuWJ0 Watch on YouTube: https://youtu.be/CCAHAB5-kpM Kristina Hall: https://hallsocialmedia.com/ Ashley Quamme: https://www.beyondthefp.com/ Tessa Santarpia: https://santaia.health/ Rachel Duncan: https://www.rachelduncantherapy.com/ If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

July 8, 202624 min

Roundtable Ep. 1 Pt. 2 | Guilt vs Shame Money Talk

The world keeps throwing haymakers. Tariffs, wars, student loans, businesses folding, another headline you did not ask for. And what do most of us do? We freeze. This is financial anxiety, and it is quietly wrecking your money and your mental health. In Part 2 of this roundtable, I sat down with four people who actually understand what is happening in your nervous system when the noise gets loud. Kristina Hall, Ashley Quamme, Tessa Santarpia, and Rachel Duncan get real about why you feel paralyzed, why it is not a willpower problem, and what to actually do about it. We get into the stuff nobody puts in a budgeting article. Treating chaos like a season instead of a life sentence. Shrinking your time horizon so your brain stops projecting five years of doom. Keeping a have-done list, not just a to-do list. Why hobbies are not a nice-to-have, they are a got-to-have. And why the dad with a broken guitar and a six-pack might be doing more for your finances than your spreadsheet. Then I gave you the practical move I put in every single budget: joy money. Call it fun money, call it whatever you want. It is a line item you are allowed to burn. Because when you already told yourself yes, you stop stealing from other buckets and drowning in guilt over a massage or a dance class that keeps you human. Also, yes, we spend a full intermission arguing about sweet tea and barbecue, and Ashley reveals which states she refuses to live in. You are welcome. Watch on YouTube: https://youtu.be/Hqjui5CtS-8 Guests: Kristina Hall: https://hallsocialmedia.com/ Ashley Quamme: https://www.beyondthefp.com/ Tessa Santarpia: https://santaia.health/ Rachel Duncan: https://www.rachelduncantherapy.com/ If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

July 1, 202626 min

Roundtable Ep. 1 Pt. 1 | Guilt vs Shame Money Talk

Most of us already know what we're supposed to do with our money. That's not the problem. The problem is the story we tell ourselves the second we fall short of it. You get behind on a bill. You make a call you regret. And your brain doesn't say "you made a mistake." It says "you ARE a mistake." That's shame. And it spirals. In this NoBS Wealth® Roundtable, I sat down with Kristina Hall, Ashley Quamme, Rachel Duncan, and Tessa Santarpia to rip this thing wide open. We get into the real difference between guilt and shame, because they are not the same, and treating them like they are keeps you stuck. Guilt is "I did a bad thing." Shame is "I am a bad thing." One you can actually work with. The other eats you alive quietly, in your own head, where nobody can talk you out of it. We also go after the lie that keeps you small: comparison. You are comparing your insides to everyone else's outsides. That trip to Italy on your feed tells you nothing about how they actually handle money. Meanwhile you're sitting there convinced everyone has it figured out but you. They don't. Someone out there thinks the exact same thing about you. Then we get honest about financial trauma being a real, physical thing, not a mindset problem you can positive-think your way out of. Your body registers a threat around money the same way it registers physical danger. That deserves to be treated, not shamed. And for the person who is so deep in it they can't even crack the door open, we get practical: how you name it, how you stop using overwork to numb the anxiety, and how you find the root cause instead of white-knuckling the symptoms. This one got personal for me. If you've ever felt that weight, it's going to land. Watch the full roundtable on YouTube: https://youtu.be/W9aypA-Z8WE Connect with the panel: Stoy Hall, CFP® — NoBS Wealth® Kristina Hall — Hall Social Media Ashley Quamme — The Mind Money Connection Rachel Duncan — Money Healing Club Tessa Santarpia — Santaia Health If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

June 24, 202634 min

Men, Money & Mental Health: The Silence Hurting Fathers | Ashley Quamme

Father's Day is over. The weight isn't. Every father you know just spent the weekend smiling for photos, opening cards, flipping burgers, and quietly carrying the same loop in his head. Am I doing enough? Am I providing enough? Is the business gonna make it through the summer? Are my kids gonna grow up and resent me? That static doesn't turn off because we put on a clean shirt and called it a holiday. Watch the full episode on YouTube here: [YouTube link] This week I sat down with financial therapist Ashley Quamme to talk about something the financial industry has spent decades pretending wasn't a problem. The intersection of masculinity, money, and mental health is not three separate conversations. It's one. And the bullshit story we got handed about what a "real man" looks like when the money gets tight is breaking fathers in ways nobody's clocking. Here's a stat that should stop you cold. Men experiencing economic insecurity are 16.3 times more likely to report suicidal ideation than women. That is not biology. That is shame. That is the silence we trained into men since they were boys. Ashley breaks down why it has never been a harder time to be a father, why men inherently won't ask for help (especially with money), why financial therapy isn't just for people in crisis, and why your financial decisions are 80% emotional whether you want to admit it or not. We also get into the awkward middle ground of first generation wealth, why showing up to the family reunion in a nicer car suddenly feels weird, how to actually open this conversation with the man in your life without making him shut down harder, and what financial advisors need to start doing differently. I close it out with the bluntest call to action I have ever put on this show. Men, cut the shit. Find someone. Open up. Stop letting pride run your finances and your mental health into the ground. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

June 17, 20261 hr 6 min

Guilt vs Shame: Why Your Brain Picks the Worst Path | Roundtable Ep. 1

Welcome to the very first NoBS Wealth® Roundtable, and we came out swinging. No softball intro topic. We went straight at the thing most people will never say out loud: the shame, the guilt, and the freeze that show up every time money gets hard. I brought four people who actually live in this work every day. Ashley Quamme and Rachel Duncan, both financial therapists. Tessa Santarpia, who works on the nervous system side of all this. And Kristina Hall, marketer, business owner, and the person keeping me honest. Watch it on YouTube here: https://youtu.be/tC04eXprje4 Here's the truth nobody tells you. Guilt and shame are not the same thing, and that difference changes everything. Guilt says "I made a bad choice." Shame says "I am a bad person." One you can work with. The other one keeps you stuck for years. We break down why your brain defaults to the worst possible story, why financial trauma is a real thing that deserves to be treated, and why comparing your insides to everyone else's outsides is a losing game every single time. Then we got into the freeze. It's 2026. Tariffs, wars, student loans restarting, businesses failing, headlines designed to keep you scared. A lot of you are responding by shutting down, Uber Eats-ing your life, and not moving at all. We talk about what to actually do when the world feels too heavy to function. Shrinking your time horizon. Looking for the glimmers. Treating your hobbies like the got-to-haves they are. And the single budget line item I put in every plan that gives you permission to spend on yourself without the guilt. The last topic hit closest to home. First gen wealth guilt. Four women who are my exact clientele, business owners carrying not just their own pressure but generations of it. Ashley on having no model for the life she wanted. Rachel on being a cycle breaker who's still uncomfortable with her own wealth. Kristina on her mom asking "did you find a job yet?" for four years straight. If you're building something nobody in your family built, this part is for you. Tessa's work on all of this lives at https://santaia.health/ , and every panelist's full bio is on the Collective at nobswealth.com. If you heard something for yourself, take the step. If you heard it for someone else, send it to them. That's the whole point. Hosted by Stoy Hall, CFP®. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

May 27, 202636 min

You're Not Special: The Money Struggle Nobody Admits w/ Kristina Hall

Asking for help with your money might be the hardest thing you ever do. Not because the math is hard. Because it means someone is finally going to see the truth. In this episode, Kristina Hall gets brutally honest about what it actually feels like to hand your financial life to someone else. The tax returns. The bank statements. The P&Ls. The credit cards. All of it, at once. She sat on that document request for almost two years before she hit send. Two years of "that's tomorrow's problem" while the hole got deeper. We get into the advisors who shoved product at her when she asked for tax help. The referrals that left her feeling unseen and not understood. The childhood programming that says you stand on your own two feet and never ask anybody for shit. And the exact moment she realized she either opened up her books or closed the doors on her business. Here's the part nobody tells you. Her situation hasn't magically changed. She's still in it. But she feels safe now. She has a net. When she loses a client, it stings, but it doesn't bury her anymore. That's the difference between doing the work and digging the hole. If you're a business owner sitting on an email you've been avoiding, this one's for you. Stop hiding from your money. Submit the damn documents. And if you don't have a person in your corner, Kristina and I will be that person. Just reach out. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

May 20, 202635 min

35,000 Decisions a Day Is Wrecking Your Judgment | Dr. Preston Cherry

Tax season's over. Kids getting out of school. Tariffs, war, graduations, business cycles, household pressure, all hitting at the same damn time. You're tired. You're stretched thin. And you can't figure out why more money isn't quieting the noise in your head. Dr. Preston Cherry is back in the booth, and we went where most people won't go. Financial wellness and mental wellness are not separate conversations. They're the same one. You can't out-earn the inner work. You can't out-hustle the self-audit you've been ducking. And the gap between knowing what to do and actually doing it? That gap is you. We get into the honest self-audit (admit, acknowledge, act), the 35,000 decisions you're making every single day, and why your capacity is the most valuable currency you own. Across every income bracket, 32% of Americans think their finances will worsen in 2026. Highest pessimism Bankrate has clocked since 2018. That's not whining. That's the moment we're living in. Dr. Cherry drops one of the most important reframes in the episode: wealth funds wellbeing. Life and money alignment gives you money assignments. Translation, until you do the work to know what you actually value, no amount of income is going to fix what's broken on the inside. It'll just magnify it. More money doesn't solve the problem, but it does fund the solution if you've already done the audit. If you're a first-gen wealth builder, a business owner running on no sleep, or just someone exhausted from carrying decisions nobody else sees, this one is for you. Drill deep, not wide. Stop splitting your capacity across 14 directions. Start with the person in the mirror. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

April 22, 202627 min

The Brain Science Behind Why You Keep Self-Sabotaging Your Money

You're not lazy. You're not undisciplined. You're not broken. Your nervous system is doing exactly what it was built to do, which is protect you from anything unfamiliar. And until you understand that, no budget, no business plan, no Q2 goal is going to stick. This week on NoBS Wealth, Tessa Santarpia walks me through why self-sabotage has nothing to do with willpower. It's a mismatch. Your conscious mind wants more money, more visibility, more growth. Your subconscious identity thinks that's a threat to survival. And identity wins every single time. We break down why success triggers just as much threat as failure. Why high earners have just as many mindset problems as everyone else, they just have more zeros on the mess. Why "just automate it" is only half the answer. And why the moment you say "this always happens to me," that's your nervous system telling on itself. Tessa gives you three real moves you can make this week to rewire the pattern. Not more doing. Not more planning. Actual regulation of the system that's been pulling you back to baseline your entire adult life. Walk outside. Slow your breathing. Splash cold water on your face. Sounds simple. It's not. And it works. If you've been blaming yourself for not hitting your Q1 goals, this is the episode. Stop beating up the version of you that was just trying to stay safe. Start training the patterns you actually want to run. Connect with Tessa at Santaia Health: https://santaia.health/ Ready to stop running the same pattern and actually look at your money with someone who sees what you can't? Book your Power Hour at https://www.blackmammoth.com/powerhour . 60 minutes, 1:1. Your real numbers. A plan you can actually run. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

April 15, 202634 min

Tax Day Reality Check: What You Missed and What's Coming

We filed. We either got a refund or we owe. But here's the real question nobody's asking: did we actually learn anything? Or did we just white-knuckle our way through another tax season and hope for the best? That's where this episode starts. Morgan Anderson is back at the table, and she brought receipts. Literally. Her team has been digging into the numbers from last filing season and what they found should make every single one of you pay attention. Over 44 million individual taxpayers filed with a balance due. Over 30% of them couldn't pay it. And 80% of people who owe the IRS right now are not in any kind of resolution plan. Read that again. Eighty. Percent. We kill the noise on the biggest tax myths floating around social media. "If you owe, you did something wrong." Wrong. "Refunds are free money." Hell no, that's YOUR money the government held all year at zero percent interest. "Estimated payments are only for rich people." Not even close. And the trend telling people to claim 9 or 10 on their W-4? That one's gonna cost you. We go through all of it. Then Morgan drops something most people have never heard of. Under the FAST Act, the IRS can freeze your passport if you owe more than $66,000 in individual tax debt. Right now, over 279,000 taxpayers have frozen passports. And the IRS has been sleepy for the last two years. They're waking up. After filing season, collections are getting aggressive. They're coming for 401(k)s, home equity, CDs, investments. If you've been sitting on tax debt thinking nobody's watching, that window is closing. We wrap with the plan. Installment agreements, how to use them, how to pay them off early, and why cashflow flexibility is the whole game. Get a professional. Do your planning quarterly. Stop relying on TikTok for tax strategy. Your financial future depends on decisions you make right now, not in April when you're scrambling. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.