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
Men vs. Women – Who Handles Money Better? | Let's Get Real Ep. 4
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Money isn't just numbers – it's deeply personal, especially between men and women. In this no-holds-barred episode, Stoy Hall rips open the curtain on why we fight about finances and how our wiring creates these battles.
Women approach money from a place of protection and planning – always thinking "what if?" Men bulldoze forward with "I'll figure it out." Neither is wrong, but this clash creates chaos in relationships and life decisions.
As a Black CFP® working almost exclusively with women and minority business owners, Stoy brings a rare perspective to an industry built by and for white men. He exposes how this financial system wasn't designed for you – and what you can do about it.
Stop letting money conflicts destroy your relationships and future. Start understanding the real roots of your money mindset.
Watch the full episode: https://youtu.be/awsIur5VboA Learn more at nobswealth.com
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.
On this episode of let's get real, this is going to be real men versus women, women versus men money mindset is what we're going to get into. And yes, caveat before you jumped down my throat saying, you know, I'm a sexist and chauvinist pig and all those things that you want to say when you think about, um, a male talking about, uh, women's perspective of, I was raised by a single mother, 98%, 95 percent of my clientele are women. I have always just related and had more relationship that way. Plus a lot of my clients and prospective clients have given me the experience, opinions, um, and the right to talk about this. So that's what we're going to do. We're going to talk about women versus men in terms of the money mindset and why fundamentally it is different. Okay. First, let's start with the women naturally going to be wanting to have children, nurturing is the word that we use a lot. Um, and ultimately wanting to know, Hey, is my family and are we going to be taken care of that? Fundamental difference, um, or nurturing concepts leads to in the money sense of scarcity, right? Oh shit. What happens if I die? Disabled car accident, you know, you name it. The planning, all of those things come into degree with, uh, women's. Fundamental, uh, mindset and that's a good thing, but what it leads to is it leads to fusion, um, lack of organization because of the complexities when it comes to money. And that has a lot to do with our industry and how it all started. But I'll get to that after we talk about mindset. The other side, the flip side, men, men are, you know, I'm just going to get it done. Right. I'm just going to get shit done. Whatever the situation is, I'll figure it out. We'll be okay. I'll figure it out. Now, again, these are generalizations. So let's not jump down on that. But typically men are going to be the ones that are like, I need to provide. So I'm going to figure out whatever I need to do to get it done. And that is a very simple, overly simple mindset, because they're just thinking, if I go work this hard, I'll get this money will be taken care of. Whereas women are more like, We need this much because we're doing this and this and this and what if this happens and this happens and this happens, right? So different fundamental philosophies and that's just human nature. Now, why is that so much different and driven people or whether that's their marriage conversations online or other relationships is because of our industry and how our industry specifically started overall, um, a long, long time ago. CFP has only been around for 50 years, but fundamentally the white men, the rich white males started our money industry, right? Aim it, whatever it is, all banking, real estate, investing, et cetera. It was started by the white men because women weren't allowed to vote. Others weren't allowed to vote, uh, and have been repressed in terms of. So minorities and women are fighting the same fight in terms of the lack of education and just experience in the money game. Whereas men, white males specifically, have not. And so you, you have the fundamental difference, right? Men are simplistic, I'll just figure it out. Women are a little more complex. Hey, this could happen. This could happen. I need a plan for this. On top of the educational gap, it's where you're going to find issues. And that's why you're going to have arguments. That's why relationships are going to be different. And fundamentally why there's not a lot of minorities or women, specifically in financial services, being financial planners, advisors. On the flip side of that, there isn't a ton of women that only want to work with women financial planners. And again, because that roots back to how we were all raised, right? Sit with me real quick. Envision what you think a financial advisor, financial planner, I bet that was a some polish, white male, salt and pepper in a suit, right? What you thought of. You did not think of a black man. You did not think of a female. None of those came to your, your vision and that that's been rooted in us via education and experience. So we are at a precipice in this industry of wanting to change that, right? Obviously, I'm a black male who's a CFP and I work damn near exclusively with women and minority business owners, right? So I'm attacking this and approaching this. How can we help cross this bridge for both our clients, us, and everyone else with these fundamental differences of how women and men operate? It's quite simple. Let's focus on the emotions. Let's focus on the behavior and talk. It's not that hard. Not really that hard to have these conversations about it. We know. That women want to nurture, want to have plans and be complex and understand, not necessarily how everything works, but that there is a plan for everything. Men, they just want to know that it's taken care of. Be simple and know I'm making money. I'll put it into this and we're good to go. So we need to bridge those conversations ultimately, which will lead us to our next topic in our next conversation. So you'll have to watch and stay tuned for that, but that'll be about the fundamental difference, but also why women. Have that difficulty, what we can do to prevent. So as always, let's get real. We're going to have real conversations about these things. This episode, I know we'll turn into a lot more and we can dive in a lot further as we go. But if you have questions, comments, everything, throw it out at us. Uh, we're here to chat about.
