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 You MUST Put Your Kids in Sports as a Parent | Let's Get Real Ep. 18
THE GAME-CHANGING POWER OF YOUTH SPORTS
Former D1 football player drops UNFILTERED wisdom on why youth sports matter more than ever. No BS talk on football safety, when kids should start, and the REAL lessons sports teach that America desperately needs.
"Sports isn't just for the love of the game—it builds discipline, work ethic, and the mental toughness to overcome life's inevitable beatdowns. In a world where everyone's looking for the easy way out, athletics teaches you the only option is to keep grinding forward."
Hard-hitting insights from someone who's been through the trenches—shoulder surgery, broken bones, and all. This isn't just talk from the sidelines. This is battle-tested knowledge from someone who knows what it takes.
Watch now: https://youtu.be/tbYuvwmghVU
Welcome to the No BS Wealth Podcast with Stoy Hall, your candid guide to financial clarity. In our third year, we're spicing things up by enhancing community ties and bringing you straight, no-fluff financial insights. Connect with us on NoBSWealthPodcast.com, and follow Stoy on social media for the latest episodes and expert discussions. Tune in, join the conversation, and transform your financial journey with us—no BS!
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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.
Sports and you can see obviously that I played. For those that don't know, I did play D one football at Drake University and I've been asked these three questions a lot when it comes to youth sports. So we're gonna dive a little bit into youth sports and kind of my opinion overall on them. But let's first get to the three questions. One being, are you sports worth it? Is football safe enough for my kid? Or when should they start? And third. What did sports do for you? So first is, are you sports worth it? Obviously? I believe so. A little biased in myself. Um, but ultimately I believe youth sports are worth it as long as your kid is wanting to and has the passion for it and continues to have fun. And I've seen it. Uh, our boys, uh, play soccer, football, basketball, some wrestling in there as well. Um. My wife and I both were D one athletes. So like, it's in our blood. It's in their blood, but also we strive to use it as a tool to grow them too, right? So sports isn't just for the love of the game and, and practicing in that. Uh, there's so many life lessons in sports, comradery, family work ethic. Discipline, shit, your intelligence level, overall, athletic ability, nutrition. I mean, there's just so many things that are just simply amazing when it comes to sports in general. Uh, but when it comes to youth sports, and that can be any sport, obviously I hit upon the ones that we know. Uh, but that really can attain to any type of youth sporting event. Uh, those are going to come into play. However, you gotta be ready as a parent, um, to. Not only take them pay for all of those things.'cause let's be real, uh, majority of youth sports are just a money grab. And I don't mean that they're just a money grab, but I mean that they, it costs a lot. Uh, the higher levels you get, the more coaching you get, et cetera. Sometimes they're worth it, sometimes they're not. You can see all the interwebs for all those things. People have opinions on both sides of those, we as a family are, we know what we want to do. We know we spend more money on it. Um, it's important to us. It's, it's in our blood, it's what we've done, but also like we would rather spend that time and energy and money and resources on them. To do this, uh, then so far, much putting into our retirement or stuff like that. And that's our opinion. That's what we decided to do. Doesn't mean that's what you need to decide to do. Um, but all of those efforts, uh, from a youth sports, all the things that you get to learn is mightily important for the development of, of our children, in my opinion. Um, some won't gravitate towards it, some will, but as a parent, you gotta be ready to take it past the level of just coaching at practice. You have to help them stay disciplined, practice at home, and stay in the game no matter what. And that doesn't just necessarily mean you need to coach them when you're at home. Although that's a very big point. The other point is staying disciplined to the things at home as well, because discipline is the key element in sports. And if you're not holding them accountable to the things at home, I. It's then gonna spill out onto the field or court or wherever. And now you're gonna rely on the coaching to have to do that. And sadly enough, in today's world, coaches really don't hold the kids to, as disciplined and in check as I believe they should be, as my wife believes they should be, um, for whatever reason, right? They're softer. It's a different generation. You as parents, uh, bitch and moan that your kid's running or, or being. Disciplined, right? You have to run, you have to do those things. The second question that gets asked to me a lot is, is playing football safe for a child? You know? Um, how do you feel after all the years of playing those types of things? Uh, I truly believe football has become safer. Specifically, um, since I started right, we were taught to put head to ball, which makes your head point down a little bit. Um, you know, concussions, all the research behind that has improved drastically. I'm also a proponent that they kids don't need to be doing tackle football from the age of one, third grade, fourth grade. I mean, I didn't start until fifth grade. I believe, uh, was my first, um, time playing tackle football. And I think that's. Plenty fine. However, I am seeing like flag football teams put pads on. I'm seeing tackle football start as first grade, second grade, and third grade like that. It is pointless. You're not learning anything with pads on at that age. You're not even strong enough for the pads in general. Um, and they're really not teaching anything you need to be doing. Yeah, flag to a degree, but you need to be doing skill sets, uh, workouts and those things because football you grow into later, right? There's not a lot of that going on. And that's, and I speak for a lot of athletes out there. There's a lot of pro athletes out there. A lot of'em start later in football. I. Um, and I think that is a huge proponent, wrestling's a huge one, and soccer. Those two will help you further along in football, in my opinion. And then you can start tackle in fifth, sixth, kind of whatever you feel comfortable with. But in my opinion, it is a safe, safer sport. I mean, there's research out there that shows there's more concussions in soccer than there is in football. Just football. Our collisions are a lot more, and you see it, they're a little more gruesome. I love the hell outta that sport, so can't really speak against that. And our son, our oldest Lincoln, he'll be starting tackle football this fall. So, uh, it's a proponent, we stand behind. As long as you're teaching safe practices, it's just fine. Every sport's gonna have a injury. I. But you gotta learn how to get through it. And then third, what did sports teach you and where does it, has it gotten you? I've been very, very fortunate and lucky. I've had some of the best coaches that I think are in the world from early on in my childhood through collegiately. Um, and they're now doing greater and better things at different levels, um, in the collegiate or in NFL ranks. So like. I got very, very lucky to have very great coaches growing up. Not everyone gets that, so, um, little different for me, but in, in retrospect, looking upon it, it built me to who I am now. Both I. Physically, positively, you know, work ethic, discipline, um, intelligence, all of that thing. But also it hurt me physically. I've had shoulder surgery, I've broken my thumb, I've torn my Achilles, should probably get surgery in my right arm. I gonna do it like it's broken me down too. But the amazing thing about sports is it teaches you adversity and how to overcome and to keep going through it. And guess what? That correlates to life more than anything. In life, as you know, as adults, shit sucks. Adulting is hard. Things kick you down, put you down. You have adversity all the time, and there's only one option. You have to keep going. The thing is, do you have the ability to keep going? Are you gonna rehab? Are you gonna take the necessary steps to continue that path? And in sports, you have to do that when you get injured. You have to do that when you're on a losing team or you're not good at a certain thing, you have to practice and put in the time and the grinding to get better. I think that's what's missing in America overall. Not everyone's been an athlete before or even in the military where you teach the same principles and now we've got people trying to do things easy to take the easy way out. And it's not that life's not that way. It is a hard grind that you have to get through. And so simple answer is yes, sports. Man, uh, I wouldn't be standing here doing this podcast, um, or this, let's get real episode, our podcast, everything I do for people, if it wasn't for it. Uh, so if you're on the borderline or you're on the fence, uh, and you're not an athletic parent and you have an athletic child who wants to do things, reach out, comment, right? Use this as a platform or let's talk through some things and we can help you as much as possible. So. Hey, Nike says, just do it. Take a few steps. Just let the child happen, develop, but you have to use those things at home. It'll make you a better parent. It'll make them a better, um, overall adult when they get there. And fundamentally, just being an athlete is one of the greatest things that's ever happened to me.
