Today I sit down with J Bird, founder of Cross Country Wellness, to unpack the real-world CBD business strategy behind building a premium product line and surviving in a crowded hemp market.

He shares the personal story that led him into the industry, losing his father to an accidental overdose, and how that pain became purpose: creating a holistic alternative that people could trust.

Loral's Takeaways:

1. Introduction and Background of J Bird (00:04)
2. J Bird's Entry into the CBD Industry (02:52)
3. Development of J Bird's Product Line (03:47)
4. Marketing and Customer Retention Strategies (08:10)
5. Challenges and Strategies in the CBD Industry (11:06)
6. Customer Loyalty and Product Quality (15:20)
7. Retail Strategy and Shelf Space (20:23)
8. Top Symptoms Addressed by Jay Bird's Products (23:13)

Meet J Bird:

Jordan Bergsrud is the embodiment of being, “immersed in the industry.” It has been a journey with a purpose and passion for Jordan. Or as everyone calls him, J Bird. He was born and raised in Memphis, Tennessee where he witnessed firsthand the effects of opioids after his father was in a car accident in 2015 and then lost his life to an opioid overdose 6 months later. Jordan took a very difficult situation and made it his passion.

“I realized the impact and benefits of cannabis and CBD and wanted to dedicate my time and knowledge to helping others realize the benefits of this plant.”

“I wanted to be the difference people want to see in the world, by providing the best possible products I could find.”

Jordan’s high energy and passion was rewarded this year as he was named the 2020 Las Vegas Cannabis Activist of the year. In a town of bright lights, no sleep and big names, there are none bigger and more real than J Bird.

He is the face of Cross Country Wellness.

Connect With J Bird:

Instagram

Website

Want to try out the Cross Country wellness products?

J Bird has generously shared a discount code special for today's podcast listeners of Real Money Talks - Use Code: RMT30 at the discount for 30% off your entire order.

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes,...

In this episode of Loral’s Real Money Talks, Loral explores the powerful connection between mental health and wealth with Nikki, clinical director and founder of Mind People in Ontario, Canada.

Nikki brings decades of experience in psychoanalytic psychotherapy, cognitive behavioral therapy, and trauma-informed care to explain why mental health and wealth cannot be separated, especially for entrepreneurs, high performers, and legacy builders.

This conversation bridges psychology and money in a way most financial podcasts never do. If you’re building businesses, chasing growth, or creating generational impact, understanding mental health and wealth as a unified system is essential.

Be sure to grab Nikki’s Ultimate Mental Health Toolbox

Loral's Takeaways:

1. Nikki's Background and Specialties (01:26)
2. The Importance of Self-Regulation and Mental Health (05:02)
3. Building Self-Confidence and Overcoming Fear (06:31)
4. Practical Steps for Self-Improvement and Mental Health (18:13)
5. Challenges Faced by Entrepreneurs and Strategies for Success (18:30)
6. The Role of Evidence and Confidence in Achieving Goals (20:01)

Meet Nikki:

Nikki is the Clinical Director & Founder of The Mind People. She works with adults 16+ who struggle with trauma(s), personality disorders, and/or eating disorders. She has extensive training in psychoanalytic psychotherapy, cognitive behavioural therapy, dialectical behavioural therapy & humanistic therapy.

Nikki believes in taking a psychoanalytic approach to treatment as it addresses the underlying root causes which manifest as real world issues in a person’s daily life.

She is one of only a small number of clinicians in Canada that specializes in treating eating disorders with focus on a psychoanalytic treatment approach

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral...

If you’re asking how to multiply $100,000, you’re already ahead of most people but the real question is how you do it without unnecessary risk or costly mistakes.

In this episode of Real Money Talks, Loral walks through how to multiply $100,000 using strategic options like starting or buying a business, investing in real estate, exploring short-term rentals, and partnering with others who already have experience. Rather than pushing a one-size-fits-all solution, she explains why learning how to multiply $100,000 depends on your interests, education, and willingness to be coached.

You’ll hear why mentorship dramatically shortens the learning curve when figuring out how to multiply $100,000, and how working with a community opens doors to deals, partnerships, and opportunities most solo investors never see.

If you’re serious about learning how to multiply $100,000 with clarity instead of confusion, this episode provides a realistic roadmap grounded in education, strategy, and support.

Loral's Takeaways:

• Initial Discussion with Ray (00:27)
• Exploring Investment Opportunities (01:27)
• Importance of Mentorship and Coaching (02:44)
• Foundational Reset and Corporate Structures (04:23)

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.

Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.

She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.

Links and Resources:

Ask Loral App: https://apple.co/3eIgGcX

Loral on Facebook: https://www.facebook.com/askloral/

Loral on YouTube: https://www.youtube.com/user/lorallive/videos

Loral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/

Money Rules: https://integratedwealthsystems.com/money-rules/

Millionaire Maker Store: https://millionairemakerstore.com/

Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/

Integrated

Navigating divorce is emotionally overwhelming but without a clear divorce wealth strategy, it can also become financially devastating.

In this episode of Real Money Talks, Loral walks through how to approach divorce with a divorce wealth strategy that protects your assets, minimizes tax damage, and sets you up for long-term independence and not just a clean break.

Rather than reacting from fear or urgency, Loral explains why a smart divorce wealth strategy starts with a go-forward plan. From evaluating business ownership and real estate to understanding how taxes, trusts, and corporate structures affect settlement outcomes, this conversation reveals the costly mistakes most people make during divorce and how to avoid them.

If you’re in the middle of a divorce (or preparing for one), this episode offers clarity, direction, and a practical divorce wealth strategy designed to protect your next chapter, not just survive the current one.

Loral's Takeaways:

1. Discussion on Divorce and Asset Management (01:44)
2. Proposal and Initial Steps (04:02)
3. Tax Implications and Trust Considerations (05:19)
4. Business Plan and Future Goals (06:06)
5. Comprehensive Wealth Management (09:41)

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.

Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.

She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.

Links and Resources:

Ask Loral App: https://apple.co/3eIgGcX

Loral on Facebook: https://www.facebook.com/askloral/

Loral on YouTube: https://www.youtube.com/user/lorallive/videos

Loral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/

Money Rules: https://integratedwealthsystems.com/money-rules/

Millionaire Maker Store:

In this coaching conversation, Loral guides an HVAC and STR business owner through the corporate structure strategy required for real tax savings and scalable growth.

She explains why Washington businesses must look to states like Wyoming or Nevada for better corporate structure strategy, how intercompany contracts protect deductions, and how consolidating expenses builds a cleaner tax plan.

From W-2 structuring to 401(k) shifts, to depreciation strategies and trust planning, this episode lays out exactly how corporate structure strategy builds wealth year after year.

Loral's Takeaways:

• Business Strategy and Expansion Plans (01:37)
• Consulting Business and Tax Strategies (04:11)
• Final Recommendations and Next Steps (05:14)

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.

Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.

She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.

Links and Resources:

Ask Loral App: https://apple.co/3eIgGcX

Loral on Facebook: https://www.facebook.com/askloral/

Loral on YouTube: https://www.youtube.com/user/lorallive/videos

Loral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/

Money Rules: https://integratedwealthsystems.com/money-rules/

Millionaire Maker Store: https://millionairemakerstore.com/

Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/

Integrated Wealth Systems: https://integratedwealthsystems.com/

Affiliate Sign-Up: https://integratedwealthsystems.com/affiliates

Thanks for listening!

Thanks so much for listening to our podcast! If you enjoyed this episode and...

In this coaching conversation, Loral walks Arthur through the fundamentals of building wealth using smart S Corp tax strategy. She explains why shifting from W-2 income to corporate income creates better deductions, bigger retirement contributions, and more long-term financial control.

From setting up LLCs for rental properties, to hiring your kids legally, to restructuring income for healthcare savings, to offsetting capital gains with depreciation, this episode lays out exactly how S Corp tax strategy can change the direction of your wealth. If you want clarity on the right structure for your business and investments, this is required listening.

Loral's Takeaways:

• Real Estate and Tax Strategies Discussion (00:00)
• Transitioning to S Corp and Tax Benefits (04:19)
• Health Insurance and Independent Contractor Benefits (05:41)
• Legal and Contractual Considerations (07:40)
• Tax Planning and Investment Strategies (08:41)

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.

Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.

She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.

Links and Resources:

Ask Loral App: https://apple.co/3eIgGcX

Loral on Facebook: https://www.facebook.com/askloral/

Loral on YouTube: https://www.youtube.com/user/lorallive/videos

Loral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/

Money Rules: https://integratedwealthsystems.com/money-rules/

Millionaire Maker Store: https://millionairemakerstore.com/

Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/

Integrated Wealth Systems: https://integratedwealthsystems.com/

Affiliate Sign-Up:

In today’s episode of Real Money Talks, Loral answers two powerful questions from listeners about wills, trusts, business structures, and how to organize multiple income streams.

She explains why trust planning, not a will, is the foundation of a strong legacy and why trust planning keeps your family out of probate court, reduces taxes, and removes the possibility of your wishes being contested.

Whether you're growing a business, expanding revenue streams, or securing your family’s future, this is your guide to trust planning that actually protects your wealth.

Loral's Takeaways:

• Understanding the Difference Between Trusts and Wills (00:00)
• Tax Implications and Estate Planning Strategies (03:40)
• Expanding Business Revenue Streams (03:58)
• Tax and Legal Considerations for Business Structures (07:28)
• Coordinating with Financial Advisors and Legal Experts (10:05)
• Final Thoughts and Next Steps (10:28)

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.

Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.

She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.

Links and Resources:

Ask Loral App: https://apple.co/3eIgGcX

Loral on Facebook: https://www.facebook.com/askloral/

Loral on YouTube: https://www.youtube.com/user/lorallive/videos

Loral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/

Money Rules: https://integratedwealthsystems.com/money-rules/

Millionaire Maker Store: https://millionairemakerstore.com/

Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/

Integrated Wealth Systems: https://integratedwealthsystems.com/

Affiliate Sign-Up:

In this episode of Real Money Talks, we sit down with August Biniaz to unpack the reality of real estate investing across borders. August shares how Canadian investors can access U.S. multifamily opportunities, why certain markets outperform, and what smart real estate investing looks like when interest rates are high and economic cycles shift.

We break down deal criteria, debt strategy, syndications, and the complex structure required to keep cross-border investing compliant on both sides of the border, what investors often overlook, and how to position yourself for long-term gains in 2025 and beyond.

Thank you for tuning in.

Remember, you don’t have to navigate your wealth journey alone. Every week I'm here with conversations to guide you, challenge you, and help you grow.

Subscribe, stay connected, and join me next Friday for another episode of Real Money Talks.

Loral's Takeaways:

• August's Background and Transition to US Investments (02:12)
• Challenges and Strategies in Cross-Border Investing (07:30)
• Market Focus and Investment Criteria (09:31)
• Management Team and Future Goals (14:18)
• Conclusion and Contact Information (22:23)

Meet August Biniaz

𝗔𝘂𝗴𝘂𝘀𝘁 𝗕𝗶𝗻𝗶𝗮𝘇 is the 𝗖𝗵𝗶𝗲𝗳 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗢𝗳𝗳𝗶𝗰𝗲𝗿 𝗮𝗻𝗱 𝗖𝗼-𝗙𝗼𝘂𝗻𝗱𝗲𝗿 𝗼𝗳 𝗖𝗣𝗜 𝗖𝗮𝗽𝗶𝘁𝗮𝗹, where he leads the firm’s investment strategy, acquisitions, and asset management divisions. With over 15 years of real estate experience, August has been instrumental in closing more than $𝟮𝟮𝟱 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗺𝘂𝗹𝘁𝗶𝗳𝗮𝗺𝗶𝗹𝘆 𝗮𝘀𝘀𝗲𝘁𝘀, delivering strong returns for investors.

He plays a key role in 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁, actively engaging with 𝗶𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻𝗮𝗹 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀, including 𝗳𝗮𝗺𝗶𝗹𝘆 𝗼𝗳𝗳𝗶𝗰𝗲𝘀 𝗮𝗻𝗱 𝗳𝘂𝗻𝗱 𝗼𝗳 𝗳𝘂𝗻𝗱𝘀, to expand CPI’s capital network. August began his career as a real estate agent and later founded 𝗪𝗵𝗶𝘁𝗲 𝗥𝗵𝗶𝗻𝗼 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁𝘀, building custom and spec homes across British Columbia.

In 2025, he completed the 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗘𝗾𝘂𝗶𝘁𝘆 𝗮𝗻𝗱 𝗩𝗲𝗻𝘁𝘂𝗿𝗲 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 (𝗣𝗘𝗩𝗖) 𝗘𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 𝗮𝘁 𝗛𝗮𝗿𝘃𝗮𝗿𝗱 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗦𝗰𝗵𝗼𝗼𝗹, further enhancing his ability to structure deals and attract institutional capital.

August is also the host of the podcast “𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗗𝗲𝗺𝘆𝘀𝘁𝗶𝗳𝗶𝗲𝗱,” a sought-after speaker, and a thought leader dedicated to educating both retail and institutional investors through weekly insights and industry commentary.

𝗖𝗣𝗜 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 is an investment firm focused on acquiring, upgrading, and managing 🇺🇸US Multifamily Value-add assets and BTR-SFR communities. We fund the equity needed for our projects from our investor partners. Our investors are passive and have limited liability as limited partners in our 🇨🇦Canadian and 🇺🇸US Funds

Connect With August

LinkedIn

Website

Meet Loral Langemeier:

Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.

Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.

The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.

She has...