Insurance isn’t boring—it’s the foundation of your wealth plan. Most people treat it like an afterthought, only glancing at benefits during open enrollment and hoping nothing bad happens. That’s exactly why so many families end up scrambling when life hits them with the unexpected.

In this episode, I sit down with Maxwell Schmitz, a disability insurance and income protection expert, to rip apart the myths and excuses around insurance. We cover the psychology behind why people ignore it, the real risks you’re facing, and why disability insurance is more likely to impact your life than death during your working years.

We break down the most common myths:

• “I’m too young for that.”
• “I’ve got coverage through work, I’m good.”
• “Insurance is a waste of money.”

Max exposes the flaws in that thinking with numbers, stories, and blunt truth. We also dive into why group plans don’t cover nearly as much as you think, why cost isn’t the real barrier, and how insurance fits on the defensive side of your wealth strategy.

You’ll walk away knowing the exact policies to check before the year ends, the one question you should be asking your advisor, and why your emergency fund is the first move if you do nothing else.

This is a raw, no-BS conversation about protecting your income, your family, and your peace of mind. Watch the full episode on YouTube: https://youtu.be/aCx9zCcjhII

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.

This episode pulls no punches. We’re talking about the realities of first-generation wealth building, the systemic oppression that keeps people stuck, and the truth about how legacy gaps can transform into generational growth.

I sit down with Dr. LaTanya White—researcher, entrepreneur, and unapologetic truth-teller—to dissect why traditional wealth advice doesn’t work for everyone. We break down the weight of starting from scratch, the emotional toll of being the first in your family to build wealth, and why community is the key to not burning out along the way.

We cover the myths the media pushes—like “everyone has the same opportunity” or “just invest and wait”—and we shred them with real research and lived experience. From the collapse of the Freedman’s Bank to the unseen wealth of America’s richest families, we connect the dots on why so many are left behind and how to fight back with knowledge and resilience.

Most importantly, Dr. White shares actionable steps: what to read, how to build a vision for wealth, and how to start documenting your family’s story today. Because wealth isn’t just about money—it’s about knowledge, forgiveness, and community.

If you’re tired of the same recycled advice that ignores your lived reality, this episode will hit you hard. Watch the full video here: https://youtu.be/KeVp7aHgAnk

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!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

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.

You want the truth about the One Big Beautiful Bill. Not headlines. Not wishful thinking. The real impact on your money and your business. That is what we cover today.

Morgan Anderson joins me to break down what changes now, what phases in next, and where the media is getting it wrong. We hit the mess around “no tax on tips” and why it is not the free pass people think it is. We talk expiring credits, retroactive tweaks, and why Q4 tax planning beats “see you in March” every single time.

If you own an S corp or LLC, pay attention. We talk practical realities for business owners, from what deductions still pass the laugh test to new wrinkles you have not heard about. We also dig into common mistakes with DIY tax software and why first-time accuracy is going to be shaky after a major code shift.

We close with a September checklist you can run this week. W-2s, use the IRS withholding calculator. Business owners, sit down with your CPA or EA and your advisor. Adjust estimates. Map Roth conversions, HSAs, 529s, and risk management moves that help you get ahead of what is coming.

Watch the full episode on YouTube: https://youtu.be/yp7ziDcCg0o

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!

Twitter, FaceBook, Instagram, Tiktok, Linkedin

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.