NoBS Wealth®
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.
NoBS Wealth®
You Haven't Earned S*** Yet | Let's Get Real Ep. 34
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You think you made it. That's the problem.
At some point you crossed a line. You got the promotion. Paid off the debt. Hit a goal you'd been chasing for years. And somewhere in that moment... you told yourself you earned the rest. You earned the exhale. You earned the comfort. And that right there is exactly where most people begin their slow, quiet decline.
In this episode of Let's Get Real, Stoy Hall goes straight at the lie that comfort tells you. Not the motivational poster version of this conversation. The real version. The one that names what's actually happening when you stop pushing and start protecting. Your brain doesn't know the difference between safe and stuck. It only knows safe. And the moment life feels settled, it sends you a signal that says everything is fine... even when everything is slipping.
This episode covers what comfort actually costs you. Not just money. Not just missed opportunities. Your identity. Your edge. The version of you that had something to prove. Stoy uses real research, real client experience, and real talk to break down why the "I've earned this" feeling is most dangerous before you've actually built anything worth protecting. You laid two bricks. That's not a house.
Stoy also draws the line between rest and retreat. Because rest is real and rest is necessary. But retreat is fear in a comfortable outfit. And too many people are calling retreat by the name of self-care and balance and wisdom... when what's actually happening is they are getting out of their own way.
This one is a gut check. It's designed to slap you a little bit. Because somebody has to say it and Stoy isn't going to soften it for you. You haven't earned s*** yet. The work isn't done. And you already know it.
Watch on YouTube: https://youtu.be/7Px_u14cDiU
If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.
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You Haven't Earned S*** Yet
Stoy HallYou haven't earned shit yet. Let me ask you this question. When did you decide that you're all good? No, not telling, you know, and telling everyone else that, Hey, you know, I've made it. I'm good and all that. But no. When did you inside your chest, tell yourself that I'm good. I've made it. I did it. I deserve this. When did you, because ultimately. I'm here to tell you, and, and maybe it'll scare you a little bit, but to understand that, that feeling, telling yourself that, that you've made it and you did that is actually what's going to cause your demise. Cause you to plateau, maybe be what causes you to die. Who knows that comfortability is not what you think it is. Here's the thing about being comfortable, okay? Here's what we don't talk about being. In comfort or comfortable is we tell ourselves after we've achieved something, right? Whether that's getting a scholarship, a new promotion at a job, getting a job, paying off debt, right? We, we tell ourselves, you worked hard, you did it, you earned that, you did that thing, and then subsequently what happens? Nothing. We just either repeat the same process all over again and we just sit there. And that is the trap because if you are continuously not working forward and growing, what are you doing? You're dying. You're plateauing, and that is exactly what your brain is designed and told you to do. Your brain does not know the difference between safe and stuck and safe and growing. All it knows is safety. It is designed to make you feel safe. And so when you've achieved something, you feel like you've earned it or been told that you've earned it, your body's gonna say, Hey, clap, clap, clap. Congratulations. You're good. It's okay. And then in that moment, you start to actually decline. So over a hundred years ago, they figured this out, yet you're telling me. That you're never gonna have stress or pressure on yourself. Isn't the saying all about like, uh, pressures causes diamonds or something crap like that? I'm, I'm aging myself. I don't remember what the hell that's called anymore. However, putting yourself under pressure is how you grow and is how you develop. The lack of pressure is when things go aw. Harvard said it. I mean, I wanna tell you a little bit about what I, I learned in my, in my practice and my business and in dealing with people, and also overall having clients who are in different phases of their life, but also all the research I do tell somebody I, I hear all the time and I see all the time, we celebrate our wins, right? Hey, I won that game. I got a promotion. I paid off that debt. I got that rise raise. And we celebrate that, that like it's the end of the achievement. It's the end of the goal. It, you know, it's the championship I'm over, I I did it. I, I've peaked and that, and that's the problem. We treat those moments in our lives as victories to the end of the game. And they're not, they are just foundational pieces to what comes next. It is just laying the groundwork for you to become better and greater and grow and never stop doing so. And so why does that happen? Well, it's very dangerous that we get into that mindset. It's dangerous because it allows our guards to be reduced. We don't push ourselves harder, right? We start to get lazy from a physical standpoint. We get lazy, which turns into all the medical issues. Mentally. We say, oh yeah, we did it. I've worked so hard. I'm done. I don't need to work any harder for anything else. And that is the demise of us as humans. Failure being masked as success, plateauing not moving forward. Just because you achieved that. Think about this just for just a little bit. Think about this. Say you're going to climb a mountain. I've climbed Mount Kilimanjaro, right? And it took us four days to get up. We did all of that work to get up, although we didn't carry most of our shit. The shepherds are amazing. Flat out amazing. But we put all that work to get to the top in theory. We just ended there. We just shut down. We did it. We achieved it. We wouldn't put the work to get all the way back down, and then when we're down, we wouldn't have been able to take that opportunity to be like, wow, I did that. Awesome. Didn't I push myself? Now I can go further. For those of you that are stuck in that realm, push yourself further. When we talk about what comfort costs you, being comfortable costs you a lot. So in sports, for example, if I just remain comfortable where I'm at with my skills or my team, you name it. We're never going to get past where we're at in terms of wins championships, uh, being better teammates, you name it, because we haven't tried to work harder, but we also haven't failed either though. Or is that failure by not working hard for the rest of us, right? When we're talking about comfort kills us. Hey, I worked out once this week, or I, I did a walk this week. I, I'm good. Or I eat healthy so I don't have to work out. Well, what does that cause? Well, your, your, your knees stop start popping like mine. Um, you become a little more outta shape. You're not as flexible. Your body becomes tighter, and then when you want to go do something, you're not able to do it at that fullest extent. Because you did not put in the work and prepare yourself for what is next.'cause you are comfortable with where you're at. And it's not always about money, right? Granted from a money perspective, I do think there is a limit to your money where you're good, right? But we don't mean good in terms of you're not trying to grow. We mean you're good because you're focusing on things in life that matter that are actually growing you as a person, not just the money in your, in your bank account. If you already are, have a low satisfaction in life or low self-esteem, pushing yourself to accomplish something. It doesn't have to be climbing mountain Kilimanjaro. It could be going for a walk every day. It could be going up to your boss and saying, Hey, I deserve this because I've done this. It could be telling your a family member, no, I don't know what your situation is, but getting outside your comfort zone and pushing yourself forward not only brings satisfaction into your life, it is going to better your life for the trajectory of what you have going on. So we've hit upon what comfort's gonna cost you. What sitting still does, what growth doesn't allow us to do, um, why we're in this mindset. Our brains are designed to do so. Humans are naturally lazy and it's very uncomfortable to do all these things. But why? Why do we have to be able to do so? And why am I speaking about this right now? Look at our world, right? Wars over here. Wars over there. Um, failure over here, failure over there. Lack of salaries, lack of jobs. Jobs are being cut here in America. You've got, you know, everyone internationally, not liking Americans in general. You've got your friend down the street needing help. Like, think about all those things that are more pressure on us, back to pressure, pressure on us that we don't wanna face. We don't wanna deal with our financials, we don't want to deal with this, this bad situation. We don't want to cut off relationships because it makes us feel bad. All of that, not want to, and, and staying in our comfort zone is costing you more than you know. So I ask you this as bluntly as I can. Are you staying comfortable because you're afraid or you staying comfortable because of someone else? Or are you staying comfortable because you just can't get out of your way? I know we're all staying comfortable in certain areas of our life. This isn't designed to do that. It's designed to reach out, slap you in the face a little bit, and let you know that you haven't earned shit yet and you will never earn the right to just sit there and do nothing and. Because there's always a piece in your life that should be moving forward. Even if you have all the money in the world, you're the most successful business owner or whatever it is. Spending more time with your kids, being in their, in their memories, uh, creating other memories of, with other people relationship wise, giving back to others. There's always room for you to be uncomfortable, so keep pushing yourself forward.
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