Being an entrepreneur is tough—far tougher than most people realize. Many take it at face value, seeing only the surface success while missing the intense challenges beneath.

The entrepreneurial journey is filled with challenges, but it's also filled with opportunities—if you're willing to seize them. It's time to push past the comfort zone, take that gamble, and win big.

Playing it safe might seem like the safest choice, but is it really the path to true success? What if that gamble could be the difference between staying stagnant and experiencing immense growth?

In this episode, Carmelo and Lindsey Cruz, owners of 95 Nutrition, join me to talk about what the true journey of being an entrepreneur looks like, when they reached their breaking point and how they took their business to the next level.

The road to success is not a road, it’s an obstacle course. -Lindsey Cruz

Three Things You’ll Learn In This Episode

-Making decisions when we’re young

When we are young, we have no idea who we want to be but we’re forced to make decisions around it. How do we go in the right direction?

-College: the answer to life’s problems

Growing up, the only thing we hear is that going to college will lead to a perfect life. Is it true?

-Get on the next level

What does it take to reach our initial goals and then get on the next level?

Guest Bio

Lindsey is the visionary behind 95 nutrition, bringing a wealth of expertise in the fields of health, wellness, and nutrition. Raised in Grand Island, NY, Lindsey has always been passionate about cooking and fitness. Her unwavering dedication to empowering individuals to lose weight through portion control and sustainable lifestyle changes has made her a prominent figure in the industry.

With a deep understanding of the pitfalls of fad diets, Lindsey founded the company with a mission to help people make lasting lifestyle changes that promote their overall health and wellbeing. She brings to the table an unparalleled level of knowledge and experience in the field, making her a trusted resource for clients and partners alike.

As a mother of two, Lindsey has a special place in her heart for helping women regain their strength and confidence after pregnancy as well as helping busy parents manage & balance their lifestyles through delicious ready to eat meals.

Carmelo is one of the founders and owners of the company. With a background as a retired New York State Trooper, Carmelo brings a disciplined and detail-oriented approach.

Outside of work, Carmelo is a fitness enthusiast and enjoys helping others live a healthier lifestyle. He believes that fitness and healthy living can have a positive impact on all aspects of life, including work. With this in mind, Carmelo is committed to providing customers with high-quality products that will help them achieve their wellness goals.

Visit https://95nutrition.com/

Find Carmelo on Instagram @carmelo_cruz_v2.0

Find Lindsey on Instagram @thelindseycruz

About Your Host

From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America’s #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier.

His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.

Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.

Why does whole life insurance have such a negative reputation when it offers incredible value? For years, this financial tool has been misunderstood, leading many of us to overlook its potential benefits.

But what if I told you that whole life insurance could be the key to securing our financial future and ensuring we leave a lasting legacy?

Many of us have dismissed it without truly understanding how it works or the risks it helps to mitigate. The truth is, whole life insurance is a powerful tool that guarantees not only financial security but also peace of mind, knowing our loved ones will be taken care of.

Are we aware of the risks we might face in our retirement years, such as market volatility or unexpected expenses? Have we considered how whole life insurance could play a crucial role in protecting our assets and providing a reliable source of income?

In this episode, speaker, author, and coach to financial advisors Tom Wall joins me to discuss the concept of whole life insurance, why we should consider it in our retirement plans, and his personal take on its value.

Whole life takes the risk off the table. -Tom Wall

Three Things You’ll Learn In This Episode

-Take risk off the table

This powerful financial tool provides a stable, reliable way to build wealth while ensuring that your loved ones are taken care of, no matter what happens in the markets.

-IUL vs. whole life

Is IUL more complex to understand than whole life? Which one will benefit us more in the long run?

-The volatility buffer concept

What exactly does the volatility buffer concept mean? How can it benefit us?

Guest Bio

Tom Wall has spent the entirety of his 20-year career positioning whole life insurance and competing against his alternative. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide.

Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space.

Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 12 & 9, and is an avid golfer and traveler.

Visit https://www.permissiontospend.com/

Find Tom on LinkedIn @Tom Wall

Follow Tom on Instagram @tomwalltalks

Visit https://www.wholelifemasterminds.com/

About Your Host

From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America’s #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier.

His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.

Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.