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

Summary: In this episode of Wealth on the Move, hosts Will Hoffman and Brynn Tarbuck discuss the essential financial strategies for recent graduates and young professionals. They cover the importance of understanding one’s financial picture, budgeting effectively using the 50/30/20 rule, and the significance of saving and investing early. The conversation also highlights the necessity of financial protection through insurance and the importance of building healthy financial habits. The hosts encourage listeners to seek financial advice early in their careers and to stay informed about their financial health as they navigate life after graduation.

Resources:

• Cybersecurity Episode with Philip Coniglio
• Estate Planning Episode with Ashley Sharek
• 6 Important Financial Strategies for your 20s and 30s
• 7 Principles of Long-Term Investing
• 8 Timeless Principles of Investing
• Insured At Every Stage: Starting Out

Takeaways:

• Graduation is an exciting time with many opportunities ahead.
• Understanding your financial picture is crucial for success.
• Budgeting is essential; consider the 50/30/20 rule.
• Compounding interest is a powerful tool for wealth accumulation.
• It’s never too early to consult a financial advisor.
• Insurance is vital for financial protection.
• Healthy financial habits contribute to overall well-being.
• Investing early can lead to significant long-term gains.
• Stay informed and proactive about your financial health.
• The journey to wealth is a marathon, not a sprint.

Connect with Will Hoffman:

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

Summary: In this episode of Wealth on the Move, host Will Hoffman and cybersecurity expert Philip Coniglio discuss the critical importance of cybersecurity in the financial services industry. They explore the tactics used by cyber criminals, common misconceptions about cybersecurity, and the real-life implications of data breaches. The conversation emphasizes the need for proactive measures to protect personal and family data, especially for busy families and retirees. Philip shares practical advice on password management, online safety for children, and building strong cybersecurity habits to minimize risks. In this conversation, Will Hoffman and Philip Coniglio discuss essential cybersecurity practices, focusing on mobile device security, protecting personal information, and assisting less tech-savvy family members. They emphasize the importance of using VPNs, multi-factor authentication, and being proactive about password management. The discussion also touches on the challenges posed by artificial intelligence in cybersecurity and offers practical tips for safe technology use while traveling. The conversation concludes with actionable steps listeners can take to enhance their cybersecurity awareness.

Resources:

• Philip’s LinkedIn
• Advisor Defense Website
• CYBERSECURITY CHECKLIST

Takeaways:

• Cyber criminals today are basic scammers using social engineering.
• A proactive approach to cybersecurity is essential for protection.
• Password strength is crucial; longer passwords are significantly more secure.
• Real-life incidents can highlight the importance of cybersecurity measures.
• Families need to be aware of online threats, especially for children.
• Using a password manager can simplify password security.
• Regularly updating passwords is necessary based on their complexity.
• Locking down children’s credit can prevent identity theft.
• Specific credit cards for online shopping can mitigate risks.
• Email security is a major vulnerability for individuals. Mobile devices are vulnerable in public spaces.
• Using public Wi-Fi can compromise your security.
• Consider using a VPN for secure internet access.
• Free identity protection services may not be reliable.
• Proactive password management is crucial.
• Educate less tech-savvy family members about online safety.
• Multi-factor authentication adds an extra layer of security.
• Traveling with technology requires extra precautions.
• AI is changing the landscape of cybersecurity threats.
• Immediate actions can significantly improve your cybersecurity.

Connect with Will Hoffman:

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

Summary: In this episode of ‘Wealth on the Move’, host Will Hoffman and guest Ryan Detrick discuss the current volatility in the stock market, exploring the factors contributing to recent market movements, investor sentiment, and strategies for navigating uncertainty. They emphasize the importance of long-term investment strategies and the psychological aspects of investing, particularly during turbulent times. Detrick shares insights on how to approach market downturns and the significance of staying the course with investment plans. In this conversation, Ryan Detrick discusses the necessity and impact of tariffs on the economy, the uncertainty in the market, and predictions regarding a potential recession. He emphasizes the importance of diversification in investment strategies and the need for clarity in the current economic climate. The discussion also touches on the dynamics of the U.S. economy compared to global markets and the significance of planning in investment decisions.

Resources:

• Facts vs. Feelings Podcast
• Ryan’s X Account

Takeaways:

• Market volatility is at an all-time high, with significant fluctuations.
• Understanding market movements requires analyzing what’s priced in versus what’s not.
• Investor sentiment plays a crucial role in market behavior.
• Long-term investment strategies are essential during market downturns.
• It’s important to remain patient and avoid panic selling.
• The stock market often presents buying opportunities during downturns.
• Consistent investing is key to long-term success.
• Diversification can help mitigate risks during volatile periods.
• Historical trends show that markets recover over time.
• Staying informed and adaptable is crucial for investors. Tariffs may not be necessary as the economy has functioned without them for a long time.
• The manufacturing sector has seen significant job losses, complicating the tariff debate.
• Automation and AI may hinder the return of manufacturing jobs.
• Market reactions to tariffs can be unpredictable and often negative.
• Uncertainty in the market is prevalent, affecting both investors and businesses.
• Recession predictions have increased, but there is still hope for avoiding one.
• Diversification is crucial in investment strategies to mitigate risks.
• Planning is essential, even if specific plans may not hold up.
• The U.S. economy is dynamic and can adapt to changes in the global market.

Connect with Will Hoffman:

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

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Mike Kavanagh discuss the concept of Financial Independence and the role of side hustles in achieving it. Mike shares his journey from corporate consulting to coaching, emphasizing the importance of side hustles for individuals feeling stuck in their careers. They explore how the current economy offers unprecedented opportunities for creating multiple income streams, which can enhance financial security and personal fulfillment. The conversation highlights the transformative power of side hustles in diversifying income and boosting confidence in both personal and professional realms. In this conversation, Will Hoffman and Michael Kavanagh explore the transformative power of side hustles and multiple income streams. They discuss how diversifying income can boost confidence and change one’s relationship with work. The conversation delves into popular side hustles in 2025, the importance of content creation, and the challenges of balancing family life with entrepreneurial pursuits. They also touch on the emotional and logical aspects of transitioning from a side hustle to a full-time career, emphasizing the significance of finding purpose in one’s work.

Resources:

• Side Hustle with Purpose Audiobook

Takeaways:

• Side hustles can accelerate your path to financial independence.
• Many people feel stuck in their careers and seek fulfillment.
• The internet has made it easier to start side businesses.
• Multiple income streams can diversify financial risk.
• Side hustles can provide a sense of identity beyond a job.
• You can start a side hustle without quitting your job.
• Younger generations have more opportunities for income creation.
• Confidence can grow from having multiple income sources.
• Side hustles can be passion projects that generate income.
• The balance between a main career and side hustle can be beneficial.
• Diversified income streams boost confidence and resilience.
• Side hustles can change one’s identity and outlook on work.
• Content creation is an untapped opportunity for many small businesses.
• Balancing family and side hustles requires effective time management.
• Transitioning to full-time entrepreneurship is a personal decision.
• Finding purpose in work is crucial for long-term success.
• The journey of a side hustle can lead to unexpected growth.
• People often underestimate their ability to manage time effectively.
• Starting with passion can lead to profitable side hustles.
• Success is a personal and evolving concept.

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 Mike Kavanagh:

• Website
• Email Mike: mike@mikekav.com
• Books by Mike Kavanagh

Summary: In this episode of Wealth on the Move, hosts Will Hoffman and Brynn Tarbuck delve into the complexities of achieving financial independence through equity compensation, specifically focusing on Restricted Stock Awards (RSAs) and Restricted Stock Units (RSUs). They discuss the differences between these two forms of equity compensation, their tax implications, and strategies for maximizing their benefits while avoiding common pitfalls. The conversation emphasizes the importance of planning and understanding the financial landscape to ensure a successful path to early retirement.

Takeaways:

• Understanding the FIRE movement is crucial for financial independence.
• Equity compensation can be confusing but is essential for early retirement.
• RSAs are typically issued by startups, while RSUs are from established companies.
• Tax implications differ significantly between RSAs and RSUs.
• The 83B election can provide substantial tax savings for RSAs.
• Avoid overexposure to company stock to mitigate financial risk.
• Missing exercise deadlines can lead to forfeiting valuable stock options.
• Lifelong tax planning is vital for managing equity compensation.
• Diversifying proceeds from equity compensation is essential for retirement planning.
• Planning ahead can prevent unexpected tax bills during retirement.

Connect with Will Hoffman:

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