Summary: In Part 2 of this inspiring conversation, host Will Hoffman dives deeper with Phil and Erin Lockwood, the power couple behind Always Be Changing. This episode explores how they turned their adventurous lifestyle into a sustainable business model. They share how they monetized their YouTube channel, built income streams through brand partnerships, and revived the travel agency model with ABC Trips. Phil and Erin also unveil their online course, ‘Travel Free, Live Rich,’ aimed at helping families learn how to design, fund, and fully embrace a semi-nomadic life. From emotional parenting insights to tactical monetization advice, this episode is packed with practical wisdom for anyone dreaming of breaking the mold and living more freely.

Resources:

• ABC’s Favorite Credit Cards
• ABC’s Online School
• ABC’s Top Travel Insurance

Takeaways:

• Monetizing content goes beyond YouTube ads—brand deals and direct services are more lucrative.
• ABC Trips offers personalized, relationship-driven travel planning with hands-on support.
• Travel agents are resurging in popularity due to value-added experiences and human-level service.
• Their online course ‘Travel Free, Live Rich’ teaches practical steps to fund and sustain global travel.
• Content creation began casually but evolved into a key income stream through consistency and authenticity.
• Most brand opportunities come inbound through email after building credibility and audience.
• Loyalty programs and travel hacking make luxury experiences accessible with planning.
• They emphasize doing it now—before kids are grown, not waiting until retirement.
• Immersive travel (e.g. rice harvesting in the Philippines) creates lifelong family memories.
• The biggest fear? Not money—but whether their parenting choices truly served their kids long-term.

Connect with Will Hoffman:

• Hoffman Wealth Management
• (724) 522-5411
• will@hoffmanwealth.com
• LinkedIn: Will Hoffman
• Facebook: Hoffman Wealth Management
• YouTube: Hoffman Wealth Management

Connect with The Lockwoods:

• Always Be Changing Youtube Channel
• ABC Official Website
• Live Like the Lockwood Family!
• Instagram: Always Be Changing
• Facebook: Always Be Changing
• TikTok: Always Be Changing

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with Phil and Erin Lockwood—founders of the ‘Always Be Changing’ brand. What began as a shift in educational choices for their children quickly blossomed into a transformational lifestyle change that saw their family exploring all seven continents. The Lockwoods share how they built a life that defies traditional templates—embracing asynchronous cyber schooling, running a remote business, and choosing meaning over money. They explain the philosophy behind their brand, how the pandemic shifted their priorities, and why their adventures are rooted in personal freedom and creative fulfillment. This episode offers a bold take on redefining wealth, education, and how we spend our most valuable resource—time.

Resources:

• ABC’s Favorite Credit Cards
• ABC’s Online School
• ABC’s Top Travel Insurance

Takeaways:

• The Lockwoods intentionally rejected the traditional 9-to-5 lifestyle to design a life rooted in experience.
• They homeschool their children via Ignite Learning Academy, prioritizing flexibility and self-paced learning.
• COVID-19 was a key catalyst in realizing that traditional systems (work, school) no longer served their goals.
• They maintain a home base in Denver while traveling extensively—a semi-nomadic lifestyle.
• Phil continues to run his marketing agency remotely while Erin contributes through content and education.
• ‘Always Be Changing’ originated from Phil’s company culture but evolved into a lifestyle brand and philosophy.
• Off-season travel helped make their global journey surprisingly affordable.
• They consciously chose experience and presence with their children over financial maximization.
• Erin finds joy and purpose in public storytelling, both as a novelist and vlogger.
• Monetization was never the initial goal—but has become a fruitful part of their global journey.

Connect with Will Hoffman:

• Hoffman Wealth Management
• (724) 522-5411
• will@hoffmanwealth.com
• LinkedIn: Will Hoffman
• Facebook: Hoffman Wealth Management
• YouTube: Hoffman Wealth Management

Connect with The Lockwoods:

• Always Be Changing Youtube Channel
• ABC Official Website
• Live Like the Lockwood Family!
• Instagram: Always Be Changing
• Facebook: Always Be Changing
• TikTok: Always Be Changing

Summary: In this episode of Wealth on the Move, host Will Hoffman and behavioral finance analyst Dr. Naomi Win explore the psychological aspects of financial decision-making, particularly during periods of uncertainty. They discuss how emotions influence our financial behaviors, the importance of having a solid financial plan, and strategies for coping with market volatility. Dr. Win emphasizes the need for psychological flexibility and the impact of cultural immediacy on our responses to financial challenges. The conversation highlights the significance of learning from past experiences and adapting our financial habits accordingly. In this conversation, Will Hoffman and Naomi discuss the evolving financial habits across generations, particularly focusing on the challenges faced by younger individuals in navigating uncertainty and risk. They explore the impact of cultural shifts on financial decision-making, the importance of cultivating a mindset of possibility, and the opportunities presented by the gig economy. The discussion also emphasizes the significance of self-trust and learning from failures as essential components of financial resilience.

Resources:

• Connect with Dr. Win on LinkedIn

Takeaways:

• Behavioral finance examines the cognitive and emotional drivers of financial decision-making.
• Financial uncertainty can trigger emotional responses that lead to irrational decisions.
• Having a financial plan acts as a GPS during uncertain times.
• Psychological flexibility is crucial for navigating financial challenges.
• Cultural immediacy influences our reactions to financial news and market changes.
• We often prefer certain pain over the uncertainty of potential outcomes.
• Uncertainty is an emotional state that can cloud our judgment.
• Learning from past financial crises can help us make better decisions in the future.
• Our financial habits are often shaped by our upbringing and parental influences.
• Success and failure in finance are not permanent states; adaptability is key. Most habits we develop come from our parents.
• Younger generations are more risk-averse due to cultural shifts.
• Building resilience through resistance is crucial.
• Self-trust is essential for navigating uncertainty.
• The gig economy offers unprecedented opportunities for young people.
• Failures are instructive and necessary for success.
• Automation can simplify financial decision-making.
• Pursuing certainty can lead to increased anxiety.
• Recognizing stress is the first step to managing it.
• Revisiting options can lower anxiety and clarify goals.

Connect with Will Hoffman:

• Hoffman Wealth Management
• (724) 522-5411
• will@hoffmanwealth.com
• LinkedIn: Will Hoffman
• Facebook: Hoffman Wealth Management
• YouTube: Hoffman Wealth Management