In this episode, Carol Dewey takes a hard look at the financial myths that hold retirees back from living with true abundance. Inspired by Garrett Gunderson’s Killing Sacred Cows, Carol exposes the traditional money beliefs that keep investors anxious, reactive, and stuck in scarcity thinking.

From the illusion that “you must take big risks to get big rewards” to the outdated idea that “retirement is the finish line,” Carol helps you reframe wealth through the lens of stewardship, clarity, and confidence.

💡 Myth #1 – “You have to take big risks to get big rewards.”

True wealth isn’t about gambling—it’s about controlling risk and focusing on what you understand. Risk equals uncertainty, not reward.

💡 Myth #2 – “Retirement is the finish line.”

Purpose doesn’t stop at 65. True retirement is about purposeful independence—living with freedom, flexibility, and continued contribution.

💡 Myth #3 – “All debt is bad.”

Used strategically, debt can be a tool for efficiency and growth. The key isn’t debt-free—it’s financially free.

💡 Myth #4 – “Diversify and pray.”

Owning a dozen funds isn’t a strategy—it’s confusion. True diversification means owning with intention and clarity.

💡 Myth #5 – “Scarcity protects you.”

Scarcity thinking creates anxiety. Stewardship builds clarity, efficiency, and purpose-driven wealth.

• The wealthy don’t chase high returns—they create consistent, intentional returns that align with their lifestyle and peace of mind.
• Abundance isn’t a number—it’s a mindset.
• The goal is not to “retire,” but to stay engaged—mentoring, creating, and contributing.
• Debt isn’t the enemy; ignorance is. When you understand cash flow, leverage, and taxes, you control the game.
• Shift from fear to stewardship: manage what you have wisely so it can serve generations.

Scarcity says, “I might not have enough.”

Stewardship says, “I will multiply what I’ve been given.”

When you move from fear to stewardship, your wealth becomes purposeful, your decisions become clear, and your legacy becomes lasting.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book Your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this episode, Carol Dewey dives into how investors can stay calm and confident when financial waters turn turbulent. Using the unforgettable metaphor of shark-infested markets, Carol explains how fear and uncertainty can drive poor decisions—and how to protect your portfolio when the market starts to churn.

Drawing from a real client story, Carol highlights how a well-structured plan can replace panic with peace of mind. You’ll also learn the four key traits of a disciplined investment approach and how Perpetual Wealth Financial helps clients navigate uncertainty with clarity, confidence, and control.

💡 Fear is natural—but it shouldn’t drive your strategy. Markets will always have “sharks” lurking beneath the surface.

💡 You can’t control the market, but you can control your response. Build a vessel strong enough for rough seas.

💡 Avoid the bait. Don’t chase hype or headlines—stick to fundamentals.

💡 Diversify and find safe harbors. Global allocation and protected income can smooth volatility.

💡 Preparation over prediction. Focus on what you can control: allocation, taxes, liquidity, and discipline.

1. Avoid the shiny objects. Ignore hype; focus on substance.
2. Focus on value and resilience. Invest in businesses built to adapt.
3. Think globally. Diversify beyond domestic headlines.
4. Keep safe harbors. Balance growth with stability through fixed income, annuities, and cash.

Carol shares the story of a cautious investor who lost trust after being ignored by her previous advisor. Together, they built a balanced plan—part annuity for guaranteed stability and part managed portfolio for long-term growth. The takeaway? When your advisor listens and your portfolio aligns with your comfort level, even the choppy waters become manageable.

🔹 You First: Every plan starts with your goals, not a product.

🔹 Taxes Last: Designed to minimize tax drag wherever possible.

🔹 Side Effects Least: Reduces hidden risks, costs, and unintended consequences.

Carol’s team also uses a 21-Point Wealth Assessment—a financial “safety inspection” to find leaks or weak points before the next storm.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book Your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts,

In this episode, Carol Dewey challenges the myth that your business must be perfect before it’s ready to sell. The truth? Strategic buyers aren’t looking for perfection—they’re looking for potential.

Carol unpacks how smart acquirers see opportunity in imperfection and how business owners can reframe their flaws as selling points. From understanding the difference between fatal flaws and fixable flaws to positioning your business story in the right way, this episode empowers business owners to view their companies through the eyes of strategic buyers.

💡 Perfection is overrated. Buyers value potential more than polish.

💡 Your flaws can be your edge. The right buyer may see your weaknesses as opportunities.

💡 Think synergy, not symmetry. Strategic buyers look for how your business complements theirs.

💡 Differentiate fatal vs. fixable flaws. Clean up compliance issues, but highlight fixable ones.

💡 Preparation beats perfection. A transferable business is far more valuable than a flawless one.

1. Tell the right story. Frame your weaknesses as opportunities for growth.
2. Identify the “who” before the “fix.” Find buyers whose strengths fill your gaps.
3. Document your core strengths. Make your intellectual capital and relationships clear.
4. Build recurring value. Even small recurring revenue streams add predictability.
5. Work with advisors who understand M&A psychology. The right story + strategy = maximum value.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book Your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube