Drip Trickle Flow Flood

Tony Moceri and Melissa Cassera

Money doesn’t just come from one place—it drips, trickles, flows, and floods into our lives in different ways. Drip Trickle Flow Flood is a podcast that explores the power of multiple income streams. Whether you're an employee, a freelancer, an entrepreneur, a creative, or an investor, we break down how money enters your life and what to do with it once it’s yours.

  1. 2d ago

    #80. Financial Planning When You Don't Live a Traditional Life (with Kelley Long)

    What does it really mean to be good with money? And how do you plan for financial independence when your life doesn’t follow the traditional path of marriage, homeownership, and kids? In this episode, we’re joined by Kelley Long, CPA, financial planner, and author of But Who Will Take Care of You When You’re Old? Financial Planning for Life Without Kids. Kelley shares how she found herself in five-figure credit card debt three different times despite her financial expertise, and the mindset shifts that finally helped her break the cycle. Kelley also shares important considerations for planning a future without children, from long-term care and estate planning to having honest conversations with loved ones about money, aging, and expectations. 1. Being good with money requires more than financial knowledge. Even financial experts can struggle with debt and spending, making it important to understand the beliefs, habits, and emotional patterns behind your financial decisions. 2. Give your side hustle income a specific job. Whether you’re paying off student loans, building savings, or funding a purchase, assigning a purpose to each additional income stream can help you make more intentional financial decisions. 3. Homeownership isn’t always the best way to build wealth. When you factor in mortgage interest, property taxes, insurance, maintenance, and opportunity costs, renting and investing the difference may sometimes leave you financially better off. 4. Planning for aging is important whether or not you have children. Building a support system, preparing for long-term care, and putting financial and legal protections in place can help you maintain independence and protect your quality of life as you age. 5. Have conversations about money and estate planning before a crisis happens. Discussing financial expectations, caregiving responsibilities, and estate plans with loved ones can help prevent misunderstandings, protect relationships, and ensure your wishes are understood. Visit Kelley’s website and pre-order here book here. Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  2. Oct 6

    #79. Building a Handmade Candy Business from Scratch (with Süss Candy)

    What happens when you take something as nostalgic as candy and rethink how it’s made from the ground up? In this episode, we sit down with Julia, founder of Süss Candy, a handmade, small-batch candy company inspired by her Austrian heritage and a desire to create treats for her kids using simpler, more natural ingredients. Julia shares how she went from experimenting with candy recipes at home to selling at local markets, collaborating with other small businesses, creating custom treats, and building a growing community around her products. We also dig into the trial and error behind developing the perfect flavor and texture, why in-person markets have been so important to her business, and her ultimate dream of opening a candy shop where customers can watch the magic happen. A business idea can start with solving a problem in your own life. Julia didn’t set out to become a candy entrepreneur. She started experimenting because she wanted treats for her kids made with ingredients she felt better about.Creating a standout product takes a lot of experimentation. From getting caramel texture exactly right to developing intensely sour Fizzy Chews and figuring out what works in a freeze dryer, Julia’s products have been built through plenty of trial, error, tweaking, and taste testing.Local collaborations can make a small business more distinctive. Süss incorporates ingredients from other local businesses and has collaborated with brands like Funky’s Hot Sauce to create completely new candy experiences.In-person experiences can be a powerful customer acquisition strategy. Markets give Julia the chance to offer samples, talk directly with customers, learn what they love, and create relationships that can later turn into repeat and online customers.People aren’t just buying the product—they’re buying the experience around it. From knowing who made their candy to meeting local vendors and discovering something they can’t find everywhere else, the episode explores why markets and small businesses can offer a much more personal experience than a purely transactional purchase. Check out Süss Candy Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  3. Sep 29

    #78. The Rising Cost of Having Fun

    Going out is expensive. Dinner for two can easily cross $100, concert and sports tickets have surged, and even everyday entertainment can start to feel like a splurge. So how is that changing the way we spend our time and money? In this episode, we dig into the rising cost of going out and the shift toward being much more intentional about which experiences feel worth paying for. We talk about cutting back on restaurants, the appeal of affordable local entertainment, why people may still happily splurge on a bucket-list concert or playoff game, and the rise of what they dub “experience maxing.” 1. Going out is increasingly becoming a luxury. The cost of restaurants, concerts, sporting events, and other live experiences has climbed enough that people are becoming more selective about how often they go out and what they’re willing to pay for. 2. People are still spending, but they want the experience to feel worth it. A higher price doesn’t automatically stop someone from spending. The bigger question is whether the experience delivers enough value, whether that’s an unforgettable concert, great service, recreation, connection, or something they simply can’t get at home. 3. Affordable experiences may have a major opportunity. Packed mid- and low-priced restaurants and inexpensive local entertainment suggest people still want to get out of the house. They may simply be gravitating toward options that let them socialize and have fun without paying premium prices. 4. “Experiencemaxxing” could be changing how we spend. Instead of routinely going out several nights a week, people may choose one experience they really care about, spend generously on it, and then spend much less for the next several weeks. That creates a very different pattern of discretionary spending. 5. Businesses may need to give people more reasons to leave the house. When streaming, cooking, entertaining friends, and other at-home options are convenient and inexpensive, simply offering a product or service may be less compelling. Businesses that create community, entertainment, recreation, or memorable experiences around what they sell may have an advantage. Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  4. Sep 22

    #77. Moneymaxxing: The Financial Trend to Get Behind

    Moneymaxxing is all over social media right now, and unlike a lot of viral trends, this is one we can get behind. The idea is simple: how can you get more from the money you already have? In this episode, we’re talking about why moneymaxxing is catching on, how people are turning everyday financial decisions into a game, and why seeing real people openly share their numbers, strategies, and struggles might be one of the best parts of the trend. We also dig into the difference between moneymaxxing and incomemaxxing, why you don’t have to completely overhaul your lifestyle to improve your finances, and a few easy ways to start making your dollars work a little harder. 1. Moneymaxxing is really about making every dollar work harder. The concept isn’t necessarily new. It’s traditional money management repackaged in a way that feels more engaging: lowering bills, earning points on purchases you were already making, increasing your savings rate, eliminating unused subscriptions, or getting to an emergency fund goal faster. 2. Gamifying your finances can make the boring stuff easier to stick with. Instead of approaching your finances with “ugh, I need to budget,” moneymaxxing turns it into a challenge: Can I beat my current savings rate? Get a better interest rate? Cut an expense I don’t care about? That small shift can make paying attention to your money feel a lot more motivating. 3. Talking openly about real numbers can make money feel less taboo. One of the most interesting parts of the trend is seeing everyday people share what they owe, what they’re saving, and exactly what they’re doing to improve their situation. It makes financial conversations feel less like advice from someone on a private jet and more like something you could talk about with a friend over coffee. 4. You don’t have to sacrifice everything to improve your finances. Moneymaxxing doesn’t have to mean extreme frugality. You can look for ways to optimize credit card rewards, savings accounts, spending, debt payoff, or investing while still spending money on the things that genuinely matter to you. 5. Moneymaxxing and incomemaxxing are two different things. Earning more money is great, but that’s only one side of the equation. Moneymaxxing asks what happens after the money arrives. Where is it going? What job does each dollar have? And are you getting as much value from it as you can? Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  5. Sep 15

    #76. How to Keep More of the Money You Make (with Sarah Von Bargen)

    Making more money is only one part of the equation. What you do with the money you already have can make just as big of a difference. In this episode, we sit down with Sarah Von Bargen, a longtime entrepreneur, writer, fractional marketing director, real estate investor, and expert-level frugal person. Sarah shares how she’s built a flexible business that allows her to work from anywhere, how house-sitting has saved her an estimated $15,000–$25,000 in travel costs, and how she and her husband use house hacking to dramatically reduce their housing expenses. 1. Saving money can function like an additional income stream. There are two sides to the Drip Trickle Flow Flood equation: what comes in and what flows out. Sarah has found creative ways to dramatically reduce major expenses, including using TrustedHousesitters to save thousands on travel and house hacking to lower her monthly housing costs. 2. Look at what your spending actually gives you. Sarah recommends reviewing your bank and credit card statements and categorizing purchases as green, yellow, or pink. Green purchases brought you joy or value. Yellow purchases are forgettable. Pink purchases are the ones you regret. Cutting the pink purchases can save money without feeling like deprivation. 3. Create friction before you spend. Convenience makes it incredibly easy to buy things without thinking. Sarah intentionally creates friction by researching purchases, returning things that don’t work, buying secondhand first, and spending five minutes checking whether she already owns something that solves the problem. 4. Business expenses deserve the same scrutiny as personal expenses. A new app, subscription, course, or hire isn’t automatically an “investment” because it’s for your business. Before spending, ask whether something you already pay for can do the job and whether the real problem is the tool or a skill you need to develop. 5. A successful business can be surprisingly simple. You don’t necessarily need an elaborate tech stack or constant marketing. Sarah’s fractional marketing business is built largely on relationships, retainers, doing great work, taking initiative, and delivering what she promises. Links Mentioned Sarah’s Instagram Sarah’s fractional marketing services Sarah’s substack Trusted House Sitters discount code Furnished Finder Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  6. Sep 8

    #75. Nursing, Music & the Business of Becoming a Pop Star (with Veronica North)

    What if your day job isn’t getting in the way of your creative dream, but actually helping make it possible? Singer-songwriter Veronica North joins us to talk about building a music career while working full-time as a mental health nurse, and why she has no interest in embracing the starving artist narrative. We dig into how she uses her income to invest in her music, the surprising number of revenue streams available to independent artists, and the goal-setting and financial systems she uses to intentionally design the life she wants. Veronica also shares why learning to manage her money gave her more freedom to create, how she approaches her music as both art and a business, and the very big dream she’s working toward: opening for Taylor Swift. 1. Your day job can fund the dream instead of competing with it. Veronica loves nursing, but it also gives her the income and flexibility to invest in music without requiring her art to immediately pay all of her bills. 2. Design your finances around the life you actually want. Instead of starting with arbitrary financial goals, Veronica visualizes what she wants her days and life to look like, then uses those priorities to decide where her money should go and what’s worth saying no to. 3. Financial literacy can unlock creative freedom. Learning the basics of saving, investing, retirement accounts and intentional spending transformed Veronica’s relationship with money and ultimately gave her more freedom to invest in herself as an artist. 4. Look for every drip, trickle, flow and flood inside your business. A single live performance can generate ticket revenue, merch sales and publishing royalties, while streaming and physical music create additional income streams. Understanding where the money comes from is part of treating your creative work like a business. 5. Making money from your art allows you to make better art. Revenue isn’t the enemy of creativity. Veronica reinvests what she earns into studio time, equipment and production so each new project and performance can operate at a higher level. Check out Veronica’s music at her website. Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  7. Sep 1

    #74. Starving Artist? Not Here: Turning Your Art Into a Business (Re-Release)

    This one is coming back for a reason. Our #2 most-listened-to episode of all time tackles one of the biggest myths in creative work: that making great art and making good money somehow don’t belong together. We’re revisiting our conversation about the “starving artist” mentality, what it really takes to turn creative work into a sustainable income stream, and why treating your art like a business doesn’t make you any less of an artist. 1. Great work doesn’t automatically equal great income. Craft matters, but art is subjective. Being talented isn’t a business model. If you want your creative work to generate consistent income, you need strategy alongside the work itself. 2. Decide whether your art is a hobby or a business. There’s nothing wrong with creating purely because you love it. But if you expect your art to support you financially, you have to start making decisions based on your time, rates, expenses, opportunities, and return. 3. Build multiple income streams around your skills. Don’t make one client, publication, book, script, or project responsible for paying all your bills. Your creative skills can generate income in multiple ways, and some of those streams can help fund the work you ultimately want to be doing. 4. Stop undercharging just to get the opportunity. Sometimes taking a lower-paying project strategically makes sense, but it should be a conscious business decision rather than your default. Know your rate, understand the value of your time, and set expectations for what future work will cost. 5. Visibility is part of the job. Marketing your work isn’t selling out. If people don’t know your work exists, they can’t read it, buy it, hire you, recommend you, or become fans. Learning to put yourself and your work into the world is part of building a creative business. Whether you’re a writer, filmmaker, artist, musician, or freelancer, the message from this episode still holds: artists don’t have to starve. You can protect the creativity while also building the business that allows you to keep doing it. Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

  8. Aug 25

    #73. Multiple Income Streams Without More Work

    When we talk about multiple income streams, it’s easy to picture multiple businesses, side hustles, freelance gigs, or jobs all competing for your time and attention. But building multiple streams of income doesn’t have to mean doing more work. In this episode, we explore the other side of the Drip, Trickle, Flow, Flood model: putting the money you already earn to work for you. From high-yield savings accounts and dividend stocks to real estate, business investments, and employer retirement matches, we break down ways to start creating additional income without adding another job to your life. 1. Multiple income streams don’t have to mean multiple jobs. If the idea of running several businesses or juggling side hustles makes you want to run in the opposite direction, that’s okay. Income can also come from your money itself through interest, dividends, bonds, investments, and other assets. 2. Start with the simplest options available to you. A high-yield savings account, employer-sponsored 401(k) with a match, dividend-paying investments, CDs, or T-bills can all be relatively accessible starting points. You don’t need an elaborate investing strategy to begin putting your money to work. 3. Small drips can grow into meaningful income over time. A few dollars of interest or dividends may not feel exciting today, but consistently adding money and allowing it to compound can turn a drip into a trickle and eventually a flow. The goal doesn’t always have to be finding the next huge opportunity. 4. Your income strategy can change with your season of life. There may be seasons when you have the time and energy for real estate, active investing, or owning a business, and others when you want everything to be as passive and simple as possible. Your approach doesn’t have to stay the same forever. 5. Learn, experiment, and talk about money. You don’t have to figure everything out alone. Talk to friends, family, financial professionals, and people whose approach you respect. Read, learn, test different strategies at a level of risk you’re comfortable with, and normalize having conversations about how people save, invest, and build wealth. Our Links Tony’s website Melissa’s website Drip Trickle Flow Flood T-Shirts We’ve got merch! That’s right, Drip Trickle Flow Flood t-shirts are officially here and they’re as comfy as they are conversation-starting. Grab yours! Rate and Review If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening! Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life. Disclaimer: The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with. Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal. By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

4.6
out of 5
9 Ratings

About

Money doesn’t just come from one place—it drips, trickles, flows, and floods into our lives in different ways. Drip Trickle Flow Flood is a podcast that explores the power of multiple income streams. Whether you're an employee, a freelancer, an entrepreneur, a creative, or an investor, we break down how money enters your life and what to do with it once it’s yours.

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