P&L: Priorities & Lifestyle

Rob Schulz

P&L (Priorities and Lifestyle) Podcast with Rob Schulz is a show for business owners. Join us as host and financial planner Rob Schulz connects with business owners and experts to talk about business building, life, money — and the all-important transition out of the business, which is a challenge and an opportunity for everyone who steps on this path. See our disclosures here - https://www.schulzwealth.com/

  1. MAY 6

    Leaving Corporate Politics for the Recycling Business (with Tim Haugh)

    This week on P&L, I'm joined by Tim Haugh, the founder and president of Evergreen Companies. This episode dives into Tim's fascinating leap from a comfortable corporate career into entrepreneurship - a jump he made not because he was fired, but because he was offered a promotion he didn't want.    Tim shares the story of how a lucky dinner conversation led to the founding of his recycling business, how his team pushed him to expand from paper to plastics, and how he navigates the volatile commodity markets without losing sleep. We also explore the unique dynamics of running a family business, the boundaries he and his wife set to keep work at work, and how implementing the Entrepreneurial Operating System (EOS) allowed him to manage less and lead more.   Tune in this week on P&L to learn what it takes to build a thriving business, cultivate an incredible company culture, and transition into the "owner's box."   Contact Tim at tim.haugh@evergreen-recycling.com.   "I didn't wanna sit in meetings all day. I wanted to do stuff... so I started looking to do something on my own." — Tim Haugh   This week on Priorities & Lifestyle:   Leaving the Corporate Ladder: Why getting a major promotion was the exact catalyst Tim needed to start his own business. The "Accidental" Family Business: Navigating the transition of bringing four adult children into a company they were originally told they wouldn't work for. Navigating Volatile Markets: Tim's philosophy on managing inventory and avoiding the speculation trap in the recycling commodities market. Managing Less, Leading More: How implementing EOS over the last 15 years helped Tim step out of the daily weeds and shift his focus to high-level leadership. Setting Family Boundaries: The crucial rule of leaving business talk away from the family dinner table. Our Favorite Quotes:   "The lesson is always listen to your people because they have good ideas." — Tim Haugh "Common wisdom is that the number one thing that puts businesses out of business is lack of cash. And I like to say the number two thing is lack of communication." — Tim Haugh "We let them make decisions, we let them make mistakes. And I don't really mind a mistake. I prefer a mistake than a lack of action." — Tim Haugh   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    45 min

  2. APR 8

    Navigating Health Insurance Before - And After - 65 (with Jon Thurmond)

    This week on P&L, I'm joined by Jon Thurmond, a life and health insurance specialist at Axis Financial and a longtime partner in our planning process. This episode dives into why your health is actually a greater predictor of retirement success than your assets, and why waiting for a medical issue to arise is like "closing the barn door after the horses have gotten out." Jon shares his expert insights on navigating the complex "alphabet soup" of Medicare, the mid-50s "sweet spot" for long-term care insurance, and the various ways to bridge the health coverage gap if you retire before age 65. We also discuss the vital business side of insurance - explaining why an unfunded buy-sell agreement is just a piece of paper and how key person coverage can protect your company's future.   Tune in this week on P&L to learn how to proactively manage your health risks and ensure your financial plan survives the "what-ifs."   Learn more at axisfin.com or contact Jon at jon@axisfin.com.   "The greatest predictor of a successful retirement is health. It's more important than building the assets." — Rob Schulz   This week on Priorities & Lifestyle: The Health Hurdle: Why being "proactive" is the only way to avoid the rising costs of insurance stacking. Navigating the Medicare Maze: Understanding Part B timing, the 63-day enrollment window, and the "alphabet soup" of supplemental plans. Long-Term Care Strategies: Why 10-pay policies and mid-50s enrollment provide the best protection against rising premiums. Funding the Buy-Sell: The difference between a legal document and a financially backed plan that actually protects business partners. Bridging the Gap: Comparing ACA Marketplace plans, short-term medical, and faith-based coverage for early retirees.   Our Favorite Quotes: "A lot of brokers can give you prices, but I feel like our business is more geared towards the service side, making sure people properly understand what they're getting." - Jon Thurmond "The biggest thing that we can't predict in a person's life is how much money health-related expenses are going to cost them." - Rob Schulz "If you don't fund a buy-sell agreement, then it's just a piece of paper. It's a plan, but there's no financial backing." — Jon Thurmond   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    55 min

  3. MAR 4

    Scaling a Sandwich Empire: From 1 to 37 Stores (with Chad Huffhines)

    This week on P&L, I'm joined by Chad Huffhines, a prolific Jersey Mike's franchisee who has mastered the art of rapid scaling. This episode dives into Chad's transition from the corporate world at Chipotle to building a sandwich empire that grew from a single store in 2010 to 37 locations today. Chad shares his unique perspective on the "economy of scale," explaining why growth actually becomes easier once you move past the initial "wall" of six stores and how a deep pool of internal talent is a business's greatest asset. We also discuss the non-negotiable hierarchy that governs his life - God, family, and then work - and how he is currently navigating the transition of bringing his son into the business as a 50/50 partner. Tune in this week on P&L to learn how to scale a high-volume operation without losing sight of the values that started it all. Reach out to Chad at chadehuffhines@gmail.com "Put God first, put your family next, and then this job comes third... you have to have this job to take care of your family, but don't forget God's right there too." - Chad Huffhines This week on Priorities & Lifestyle: The Leap from Corporate to Entrepreneurship: Transitioning from the "honeymoon" phase of a growing brand to owning the risk yourself. Breaking Through the Scaling "Wall": Why the jump from six to nine stores is the hardest period and how to survive it. The Power of Internal Promotion: Building a leadership team from the ground up - from 16-year-old crew members to professional area managers. Structuring the Family Buyout: Navigating 50/50 partnerships with the next generation and securing financing for legacy stores. Our Favorite Quotes: "Growth creates opportunity... it allows the general manager to give an opportunity to the next person." - Chad Huffhines "If you're not growing, you're dying. There's none of this middle ground." - Rob Schulz "I take my weaknesses and find somebody who is good at them... you take your leg up and give it to somebody on your team." - Chad Huffhines   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    54 min

  4. JAN 7

    Life After the Sale, with Rick Larkin

    This week on P&L, I'm joined by Rick Larkin, the former president and co-founder of a transportation company. This episode dives into Rick's entrepreneurial journey, from bootstrapping a trucking company in 2011 to its strategic sale in late 2022. Rick shares his "numbers-first" approach to business, why he prioritized profit over top-line revenue, and the critical importance of surrounding himself with partners who were smarter than him in their respective fields. We also discuss the personal side of a major business transaction; the transition from being "Mr. Relevant" to finding a new purpose, and how prioritizing health and family has become his latest "profit center." Tune in this week on P&L to learn how to build a business with the end in mind and successfully navigate the transition that follows. "If we can't be a good business at 10 trucks...what makes us think we can be a good business at 100 million dollars?" - Rick Larkin This week on Priorities & Lifestyle: The Reality of Bootstrapping a Business from Scratch Why Focusing on Profit Over Revenue is Key to Long-Term Success The Strategy of Diversifying Revenue Streams within a Single Industry Navigating the "Risk Side" and Knowing When it's Time to Sell Life After the Sale: Finding New Purpose and Prioritizing Health Our Favorite Quotes: "Surround yourself with those that are way smarter than you are. Don't be the smartest person in the room." - Rick Larkin "Selling and getting our affairs into order... I sleep better, everything about it today is better." - Rick Larkin "Life after the sale is different... I struggle with not being relevant. The world does go on without you." - Rick Larkin   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    53 min

  5. 11/05/2025

    Summiting Mount Kilimanjaro: The Motivation for a Life-Changing Goal (with John Donelley)

    This week on P&L, I'm joined by John Donelley, a good friend of mine and a high-achieving leader in the mortgage space. This episode dives into the transformative power of visionary goal setting and the importance of embracing massive challenges to spark personal change. John is a wealth of knowledge and shares the full story behind his inspiring ascent of Mount Kilimanjaro, how he lives by a "say yes until you have to say no" philosophy, and why he created a "personal board of directors" to guide his decisions. Tune in this week on P&L to learn how to use ambitious goals to transform your life and career. Connect with John at https://www.linkedin.com/in/thejohndonnelly "If you get really clear on the vision, everything falls in place." - John Donelley This week on Priorities & Lifestyle: How to Set and Achieve Transformative Goals Using "Visionary Goal Setting" for Personal Growth Creating a "Class Act Council" or Personal Board of Directors Why Authenticity and Listening are Keys to Success Embracing Catalytic Experiences to Transform Your Habits Our Favorite Quotes: "It's good to know that somebody's in charge. When we face challenges, it's okay to stand up and tell people how it needs to go. People feel safe when that happens." - John Donelley "A misogi is doing a year-defining event.There's a 50/50 chance you'll fail at it. Whatever this thing is." - John Donelley "My philosophy is say yes until you have to say no. And that just means always listen and consider things because you never know what door might open." - John Donelley   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    47 min

  6. 10/08/2025

    The Future of Offshoring: Balancing Global Impact, AI, and Profitability (with Sean Hammerle)

    This week on P&L, I'm joined by Sean Hammerle, founder of the international powerhouse OnQ Global. This episode dives into the complex world of offshoring and the future of the global workforce in the age of AI. Sean shares how his company provides life-changing opportunities in countries like Kenya and Panama, arguing for a balanced approach that considers cost, quality, and social impact. We also tackle the big question of AI, discussing how to integrate new technology to boost productivity without sacrificing a people-first mission to elevate others. Tune in this week for a forward-thinking conversation on how we can integrate AI without replacing people. Learn more at https://onq.global/ "The point is, AI is going to help us increase that production. Both us and the client are going to succeed." - Sean Hammerle   This week on Priorities & Lifestyle: Navigating the Complexities of Offshoring in Regulated Industries Integrating AI to Boost Productivity Without Replacing People Balancing Profitability and Cash Flow in a High-Growth Company The Positive Social and Economic Impact of a Global Workforce How to Stick to a "People-First" Mission During Rapid Growth   Our Favorite Quotes:  "Balancing your profitability with everything that you got going on your cash flow. It's just a constant entrepreneurial problem." - Sean Hammerle "I'm not giving you an AI assistant so that you can do less work. I'm giving you an assistant so that you can be more productive and be able to make more money for you and for me." - Rob Schulz "For every one of us, every Kenyan that we hire, statistics show that we're really helping 8 to 12. Like that one person is really supporting a family of 8 to 12." - Sean Hammerle   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    48 min

  7. 09/10/2025

    Navigating a Family Business Buyout (with Travis Springer)

    This week on P&L, I'm joined by Travis Springer, who shares his firsthand experience of becoming president of his family's cybersecurity firm, Sagiss. This episode is a deep dive into the realities of a multi-generational business transition, from the initial conversations with his father to structuring a multi-year buyout of a founding partner. Travis provides a transparent look at the financial and personal complexities involved, offering a practical blueprint for anyone considering a similar path. We also touch on the challenges of leading a modern tech company, including the ever-present demands of cybersecurity and business continuity. Tune in this week on P&L for a masterclass on navigating a family business buyout. Contact Travis at tspringer@sagiss.com "I think there's just a tendency to say, 'I want my kids to have the best. I've built this business...and if they can just keep doing that and growing it, that's going to set them up for success.'" - Travis Springer   This week on Priorities & Lifestyle: Structuring a Tax-Efficient Family Business Buyout The Financial and Personal Complexities of a Succession Plan From Son to President: Stepping into a Leadership Role Navigating Personal Guarantees and Equity in a Buyout Deal The Daily Struggles and Rewards of Running a Family Business   Our Favorite Quotes:  "It was very clean from that standpoint of, 'This is what it's worth today. You're going to transition out... Any future growth and the headaches that go with that, you know, you're not at the table anymore.'" - Travis Springer "Building up that leadership team so that they can sustain something...is very, very crucial." - Rob Schulz "I've learned to seek out opportunities for projects that have a defined start and finish because it just feels good to be like, okay, that's done." - Travis Springer   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    53 min

  8. 08/06/2025

    Differentiating Your Business with a Powerful Narrative (with Ron Brissette)

    This week on P&L, I'm joined by Ron Brissette, a marketing strategist and founder of Morby Create. This episode dives into the strategic power of storytelling in business and why it's an essential tool for differentiation, not just a creative exercise. We discuss how to avoid "binder projects" (great ideas that lack execution) and the importance of understanding the "why" behind your company's message to resonate more profoundly with your audience and build lasting trust. Ron is a wealth of knowledge and shares how focusing on your core purpose and communicating it through narrative can set you apart from competitors and foster meaningful connections.  Tune in this week on P&L to learn how storytelling can transform your marketing strategy. Learn more at https://www.morbycreate.com/ "Storytelling is really taking an accurate part about who you are and making it accessible to other people." - Ron Brissette    This week on Priorities & Lifestyle: The Strategic Power of Storytelling in Business How to Discover and Communicate Your Company's "Why" Avoiding "Binder Projects": Turning Ideas Into Action Using Your Point of View to Build Trust and Credibility Aligning Social Media Strategies with Your Target Audience   Our Favorite Quotes:  "You want your company to have a point of view and you want your customers to know, this is who I'm working with, this is their point of view on things, this is their approach. And that builds trust and that builds confidence when you have that." - Ron Brissette  "I would really encourage everybody out there to tell as many stories as you possibly can." - Rob Schulz  "I'm always like, guys, let's just not make this a binder project where we just wind up with a beautiful binder that is useless." - Ron Brissette   About Rob Schulz and P&L Priorities & LIfestyle Podcast   The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company.    Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation.    Follow Rob on LinkedIn Follow Schulz Wealth on LinkedIn Follow Schulz Wealth on Facebook   Order Rob's book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle   Subscribe to the podcast here: Apple Podcast  Spotify Audible  And, if you enjoy the show, please leave a review to help others discover the podcast. *You're listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

    47 min
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P&L (Priorities and Lifestyle) Podcast with Rob Schulz is a show for business owners. Join us as host and financial planner Rob Schulz connects with business owners and experts to talk about business building, life, money — and the all-important transition out of the business, which is a challenge and an opportunity for everyone who steps on this path. See our disclosures here - https://www.schulzwealth.com/

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