NoBS Wealth®

Stoy Hall, CFP®
  • 4.6 (9)
  • ENTREPRENEURSHIP
  • UPDATED WEEKLY

Welcome to the NoBS Wealth Podcast, where we cut through the noise and tell the truth about money. Not the cute truth. The real truth. The kind that makes you pause, get uncomfortable, then finally do something different. I’m Stoy Hall, Certified Financial Planner and founder of Black Mammoth. This show isn’t built for people who want motivation. It’s built for people who want outcomes. Especially women, minorities, LGBTQ folks, and business owners who are tired of being talked down to, sold to, or fed recycled advice that doesn’t fit real life. Here’s what we do differently. We don’t spend 10 minutes on bios. We get straight to the topic and we go deep. Every episode follows a simple structure so you leave with clarity, not content consumption. What’s happening What’s the real problem and why does it matter right now. What the media and society are screaming about The hot takes, myths, half-truths, and fear cycles that keep people stuck. The expert lens Not theory. Not generic tips. How real professionals actually work with clients when things get messy. The frameworks, the mistakes, the hard truths. The plan Real steps you can take in the next 7 days, 30 days, and 90 days.  This show is for you if you’ve ever thought: "I’m making money but I still feel behind.""I’m running a business but cash flow feels like a constant fight.""I don’t come from money and I’m tired of learning the hard way.""I’m exhausted from financial anxiety and I need a plan that holds." We talk about investing and taxes, yes. But we also talk about the stuff most finance podcasts avoid: shame, pressure, identity, family expectations, survival mode, and why your nervous system can hijack every good intention you have. You’ll hear conversations with the NoBS Collective, a vetted group of up to 31 professionals across money and real life. Tax pros, attorneys, therapists, lenders, advisors, and operators who actually give a damn about people. Not clout. Not hype. Results! If you want to build real wealth, you don’t need more noise. You need truth and a plan. Hit follow. Listen weekly. Come ready to feel seen, called out, and leveled up. Visit nobswealth.com to catch the latest episodes and join the movement. And yes, we can get explicit around here. If that bothers you, you’re probably in the wrong place.

  1. Business Funding That Won't Ruin Your Cash Flow | Sara Weldon

    9H AGO

    Business Funding That Won't Ruin Your Cash Flow | Sara Weldon

    Most business owners don't go looking for funding because they planned for it. They go looking because something broke. Payroll is due Friday. Revenue dipped. The reserves ran out. And when you're in panic mode, that's exactly when the vultures show up. This episode breaks down what the lending industry doesn't want you to know, and what you need to hear before you sign anything. Sara Weldon from Trufinco joins the show and keeps it brutally honest about the state of business funding right now. She calls MCAs a "shit sandwich" and explains exactly why they've become a death sentence for business owners who don't understand the fine print. We're talking daily payments, stacked loans, interest rates designed to bury you, and lenders who are counting on your desperation. Sara's been in this industry for seven years and flat out says she hates what most of it has become. That tells you everything. We hit Noise vs Truth hard in this one. "Debt is always bad." Wrong. "Take the biggest offer you can get." Hell no. "You'll figure out the payments later." That one might be the most dangerous lie in the entire lending world. And "revenue solves everything"? Sara has a client doing $14 million a year who is completely broke. Let that sit. Sara walks through her three step framework for approaching funding the right way: define the use of funds and the return, set a max payment your business can actually carry, and compare offers by total cost and repayment structure, not just the interest rate. If you're borrowing without doing those three things, you're gambling. The hard truth here is simple. Know who you are. Know your lane. Stop trying to do everything yourself and bring in people who can see what you can't. That's the difference between businesses that survive funding and businesses that get buried by it.  Watch on YouTube If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    30 min
  2. The Economy Isn't Recovering. You're Just Outside. | Let's Get Real Ep. 35

    6D AGO

    The Economy Isn't Recovering. You're Just Outside. | Let's Get Real Ep. 35

    Spring is here... and it's lying to you. The sun came out. Soccer started up. You feel optimistic. And that's actually the problem. Because while everyone's outside, the economy is still a mess. Jobs are disappearing. Credit card debt hit an all-time record. Mortgage delinquencies are climbing. Gas prices jumped 60 cents in eleven days because of a war nobody voted for. And your salary still hasn't caught up to any of it. In this episode I'm giving you the real numbers and three things you can actually do right now to protect yourself. Go enjoy the weather. But keep your eyes open. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    8 min
  3. Skip the Estate Plan, Wreck Your Family | Griffin Bridgers

    MAR 25

    Skip the Estate Plan, Wreck Your Family | Griffin Bridgers

    Most people don't skip estate planning because they don't care. They skip it because they're terrified. Terrified of facing their own mortality. Terrified of making the wrong call. Terrified of how much it might cost. And in 2026, with chaos happening at every level, that avoidance has never been more expensive. Estate attorney Griffin Bridgers is back, and this time we're cutting through every excuse, every myth, and every fear-based sales tactic the industry uses to push you into doing nothing. Griffin breaks down the three real barriers that keep people stuck: the paralysis of making decisions, the fear of getting it wrong, and the cost concern that has the tech world rushing in with half-baked solutions. LegalZoom has been around for 25 years and still doesn't push wills front and center. Why? Because you can't build an app that fights human nature. Estate planning isn't a tech problem. It's a human one. What happens to your family when you leave a mess? It's not just about the money. It's about grief. When you die without a plan, you are literally robbing the people you love of the chance to properly mourn you. Instead of sitting with their loss, they're tracking down bank accounts, fielding calls, managing property, and fighting through legal processes. The list goes from one page to a hundred pages fast. Griffin and Stoy both get personal on this one. We also go deep into the Noise vs. Truth section, taking on two of the biggest myths circulating right now: that everyone needs a trust, and that avoiding probate is always the right move. Spoiler: a TikTok video does not qualify anyone to advise you on irrevocable trusts. One wrong word and you can actually lose the tax benefit you thought you were protecting. This conversation cuts through that noise fast. The closer is the one that sticks. Griffin lays out what he calls the Death Manual, getting your real wealth (the data, the passwords, the wishes, the stories between your ears) out of your head and onto paper. Not all at once. One bite at a time. Because 10 minutes today might save the people you love 10 months of chaos tomorrow. https://youtu.be/a8_9mDS0RZ8 If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    38 min
  4. You Haven't Earned S*** Yet | Let's Get Real Ep. 34

    MAR 19

    You Haven't Earned S*** Yet | Let's Get Real Ep. 34

    You think you made it. That's the problem. At some point you crossed a line. You got the promotion. Paid off the debt. Hit a goal you'd been chasing for years. And somewhere in that moment... you told yourself you earned the rest. You earned the exhale. You earned the comfort. And that right there is exactly where most people begin their slow, quiet decline. In this episode of Let's Get Real, Stoy Hall goes straight at the lie that comfort tells you. Not the motivational poster version of this conversation. The real version. The one that names what's actually happening when you stop pushing and start protecting. Your brain doesn't know the difference between safe and stuck. It only knows safe. And the moment life feels settled, it sends you a signal that says everything is fine... even when everything is slipping. This episode covers what comfort actually costs you. Not just money. Not just missed opportunities. Your identity. Your edge. The version of you that had something to prove. Stoy uses real research, real client experience, and real talk to break down why the "I've earned this" feeling is most dangerous before you've actually built anything worth protecting. You laid two bricks. That's not a house. Stoy also draws the line between rest and retreat. Because rest is real and rest is necessary. But retreat is fear in a comfortable outfit. And too many people are calling retreat by the name of self-care and balance and wisdom... when what's actually happening is they are getting out of their own way. This one is a gut check. It's designed to slap you a little bit. Because somebody has to say it and Stoy isn't going to soften it for you. You haven't earned s*** yet. The work isn't done. And you already know it. Watch on YouTube: https://youtu.be/7Px_u14cDiU If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    8 min
  5. No Receipts, No Raise: The Hard Truth About Pay Gaps

    MAR 18

    No Receipts, No Raise: The Hard Truth About Pay Gaps

    You walked into that review with receipts. You ran the relationships, trained the people who got promoted over you, covered someone's maternity leave for free, and showed up every single time. And what did you get? A 2.5% raise and a smile. Dr. Renee is here to call that out for exactly what it is, and more importantly, to tell you what to do about it. This episode is part of the NoBS Wealth Black History Month Series, and Dr. Renee does not hold back. She brings the data. She brings the framework. And she brings the kind of real talk that comes from someone who lived it, worked through it, and came out the other side knowing her worth. When a Black worker earns 84 cents to every dollar a white worker makes, that is not an opinion. That is the math. And the math is why this conversation matters. Dr. Renee lays out a three-part framework that will change how you show up at work: Value (if you can't quantify your impact, you can't negotiate), Visibility (stop being the best-kept secret in the building), and Leverage (options change everything, even if you never use them). This is not motivational fluff. This is a real playbook with a real case study, a client who got her title corrected and a 22% raise in 60 days. Stoy also goes there on Gen Z, calling out the flip side of the conversation. Knowing your worth matters. But if you haven't put in the work to back it up, that's a problem too. This episode holds everyone accountable, no matter what generation you fall into. The hard truth Dr. Renee leaves you with: shrinking is not a promotion strategy. If you don't advocate for yourself, someone else will price you. And it will be lower than what you deserve. Watch this on YouTube at https://youtu.be/CRjQP1KIj84 If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    30 min
  6. They Started a War...You're Paying For It | Let's Get Real Ep. 33

    MAR 12

    They Started a War...You're Paying For It | Let's Get Real Ep. 33

    We took a road trip for spring break. Flights were outrageous. Gas was fine. Made sense. But I built in the seasonal spike. I always do. Spring break demand, summer blend switchover, refineries making the switch... I planned for all of it. What I didn't plan for was a war. A war that nobody voted for. A war launched while this country was already behind on mortgages, behind on student loans, behind on car notes... and bleeding jobs at a pace we haven't seen since World War II. In Episode 33, I'm getting into all of it. The gas prices hitting families right now during one of the busiest travel periods of the year. The delinquency numbers that were already at historical highs before the first bomb dropped. The 300,000+ federal jobs gone and the unemployment rate that's now past 4% and climbing. And the one thing war has always been really good at... distraction. This isn't political. This is financial. This is real. War is hell at home. War is hell on your wallet. And the people absorbing the cost aren't in the Situation Room. They're at the pump. They're 90 days behind on a mortgage. They're refreshing their email waiting to hear back on a job application. I'm Stoy Hall, and this is Let's Get Real. No guests. No filter. Just facts, finance, and what you can actually do about it. Watch on YouTube: https://youtu.be/2EHdfqGSEm0 If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    6 min
  7. What Your IRS Letter Really Means with Morgan Anderson

    MAR 11

    What Your IRS Letter Really Means with Morgan Anderson

    You see those three letters on the return address and your stomach drops. IRS. Your brain goes straight to worst-case scenarios. Am I being audited? Do I owe money? Am I going to jail? Tax expert Morgan Anderson joins @stoyhall on NoBS Wealth to cut through all of it and tell you exactly what is going on, why it happens, and what you actually need to do. No fear, no fluff, just the real framework you need when that letter lands in your mailbox. Here is what most people do not know: 95% of the first IRS notices you will ever receive are computer-generated matching notices. The IRS is not sending a special agent to your door. They are running your tax return against third-party data from Venmo, PayPal, Stripe, and other platforms and flagging anything that does not line up. That process takes two to three years to work through their system, which means notices you get in 2026 are for tax years 2023 and 2024. It is slow, it is outdated, and most of it is fixable. Morgan walks us through the three steps you need to take the moment you open that letter, the top three mistakes people make when they respond, and the real story of a plumber who ended up with $80,000 in back taxes because he did not know that income is income whether or not you receive a 1099. We also break down what the One Big Beautiful Bill actually did for everyday people using payment platforms, and why that change matters more than most people realize. We close out with the question that divides tax season every single year: should you want a big refund? Morgan's answer is direct, and it is exactly what you need to hear before you file. Aim for net zero. Your money works harder in your pocket than it does sitting at the IRS. Watch on YouTube: https://youtu.be/Xv-iOGqcNw0 If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    30 min
  8. The Economy Is Breaking People. Give Each Other Grace | Let's Get Real Ep. 32

    MAR 5

    The Economy Is Breaking People. Give Each Other Grace | Let's Get Real Ep. 32

    Just got out of the barbershop… and the weight of what I heard followed me to the car. A barber who moved into a new apartment, week and a half in, lost everything in a fire before he could get renter's insurance. That hit different. Because it's not just him. I've got people in my world dealing with mental health battles, physical health crises, job losses, and no clear answer for what comes next. I've got others who feel stable on paper but still feel the weight of everything pressing down. So let's talk about it. The real version. Not the Wall Street version. Not the version the media will cover between Epstein headlines and political theater. Here's the truth nobody wants to say out loud: We are in it. All of us. And there is no quick fix. Layoffs at levels we haven't seen since before COVID. All-time highs in the stock market and gold while salaries refuse to keep up. Kids' sports getting more expensive. Grocery bills not dropping. Insurance costs through the roof. It's a slow squeeze and the middle class is catching the worst of it because they're trying to hold everything together. In this episode, I talk about why I told someone at the barbershop to go into survival mode and why I said it with a heavy heart. I break down what that actually means, why we need to give each other grace right now, and why realistically we're looking at 12 to 24 months before things shift… depending on what happens with policy and politics. I also get into something that fires me up every time. Money. What it really is. Why billionaires and trillionaires exist. And why the whole system is built around power and control, not prosperity. This episode isn't about doom. It's about reality. It's about understanding what's happening around you so you can make better decisions, hold your people tighter, and stop absorbing everyone else's chaos on social media. Watch on YouTube: https://youtu.be/KXicglbEEF4 If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

    6 min
See All (222)

4.6
out of 5
9 Ratings

About

Welcome to the NoBS Wealth Podcast, where we cut through the noise and tell the truth about money. Not the cute truth. The real truth. The kind that makes you pause, get uncomfortable, then finally do something different. I’m Stoy Hall, Certified Financial Planner and founder of Black Mammoth. This show isn’t built for people who want motivation. It’s built for people who want outcomes. Especially women, minorities, LGBTQ folks, and business owners who are tired of being talked down to, sold to, or fed recycled advice that doesn’t fit real life. Here’s what we do differently. We don’t spend 10 minutes on bios. We get straight to the topic and we go deep. Every episode follows a simple structure so you leave with clarity, not content consumption. What’s happening What’s the real problem and why does it matter right now. What the media and society are screaming about The hot takes, myths, half-truths, and fear cycles that keep people stuck. The expert lens Not theory. Not generic tips. How real professionals actually work with clients when things get messy. The frameworks, the mistakes, the hard truths. The plan Real steps you can take in the next 7 days, 30 days, and 90 days.  This show is for you if you’ve ever thought: "I’m making money but I still feel behind.""I’m running a business but cash flow feels like a constant fight.""I don’t come from money and I’m tired of learning the hard way.""I’m exhausted from financial anxiety and I need a plan that holds." We talk about investing and taxes, yes. But we also talk about the stuff most finance podcasts avoid: shame, pressure, identity, family expectations, survival mode, and why your nervous system can hijack every good intention you have. You’ll hear conversations with the NoBS Collective, a vetted group of up to 31 professionals across money and real life. Tax pros, attorneys, therapists, lenders, advisors, and operators who actually give a damn about people. Not clout. Not hype. Results! If you want to build real wealth, you don’t need more noise. You need truth and a plan. Hit follow. Listen weekly. Come ready to feel seen, called out, and leveled up. Visit nobswealth.com to catch the latest episodes and join the movement. And yes, we can get explicit around here. If that bothers you, you’re probably in the wrong place.

Information

  • Creator
    Stoy Hall, CFP®
  • Years Active
    2021 - 2026
  • Episodes
    222
  • Rating
    Explicit
  • Copyright
    © 2026 NoBS Wealth®
  • Show Website
    NoBS Wealth®