Wealth by Design
142 episodes - English - Latest episode: over 3 years ago - ★★★★★ - 33 ratings*Formally known at Worth It Podcast*
Welcome to Wealth by Design, a financial planning podcast for successful, modern-day biz owners + creative entrepreneurs. Here, you'll get the tools you need to dream, design, and do what it takes to live life on your terms.
Danielle & Dustin, a brother & sister CFP®️ duo, are devoted to educating modern-day entrepreneurs about life, biz, and financial planning so they can create a blueprint to real wealth. Together, they cover topics about the unique challenges and opportunities presented by self-employment and entrepreneurship. Each episode is designed to show you how to feel secure, wealthy, and in control of your money + biz.
Ready to get started? Tune in. You can also take the first step in designing a life on your terms with our FREE guide, Wealth by Design: Your Blueprint to Real Wealth + Security: toujoursplanning.com/blueprint.
Dustin R. Granger, CEO & CFP ®️
Danielle Granger Nava, VP & CFP ®️
For a list of states in which the LPL Financial Registered Representatives associated with this site are registered to do business, please visit www.toujoursplanning.com. Securities offered through LPL Financial. Member FINRA/SIPC (www.finra.org | www.sipc.org). Investment advice offered through GWM Advisors, a registered investment advisor. GWM Advisors and Toujours Planning are separate entities from LPL Financial.
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Episodes
041: 6 Reasons Why The World Needs More Women Entrepreneurs
August 30, 2018 13:00 - 36 minutes - 29.6 MBThe fact is, women entrepreneurs are a total powerhouse! 20% of million-dollar business in the United States are owned by and predominantly operated by women. Women-owned business in the United States employed nearly 9 million people and generated $1.7 trillion in sales last year! If those numbers are not convincing enough, here are six reasons why the world needs more women entrepreneurs! Here’s What You’ll Learn [3:30] 6 major reasons why the world needs more women entrepreneurs [...
040: Building Your Net Worth Statement
August 23, 2018 13:00 - 28 minutes - 23.4 MBYour net worth can be an extremely useful tool in measuring your economic status and overall financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities. In other words, your net worth is the figure you get when you add up everything you own and then subtract from that the value of all of your debts. Dustin R. Granger, CFP® and I have put together a simple tool that you can use to help you calculate your net worth! Check out thi...
039: Creating Your Ideal Life, with Books & Booze Founder John Leven
August 16, 2018 13:00 - 35 minutes - 28.8 MBOn this Worth It episode, John Leven, the host host of the Books & Booze podcast joins Dustin and I to talk about how he is able to read one hundred books a year, why he recommends liquid networking, and how he selects which books to read out of the thousands that are recommended to him. If you love to read, love a good beverage (alcoholic or otherwise), or are just looking for more ways to live your ideal life, this episode is for you! Grab a drink and enjoy! Here’s What You’ll Learn ...
038: Catapult Your Success With A Mastermind Group!
August 09, 2018 13:00 - 27 minutes - 22.1 MBThe term “mastermind” was originally coined by Napoleon Hill in 1925, but small groups of people have been meeting to discuss business ideas, philosophy and untold other subjects for hundreds, if not thousands of years! Today, Dustin R. Granger, CFP® and I talk about the rich history of mastermind groups, and why you should absolutely join one (or start one)! Here’s What You’ll Learn [1:45] Using the power of a small group to catapult your life [2:45] The definition of a mastermind gro...
037: Finding Your Ikigai: How To Discover Your Purpose And Passion In Life
August 02, 2018 13:00 - 27 minutes - 22.3 MBIkigai (pronounced ee-key-guy) is a wonderful Japanese concept made from two Japanese words: iki, meaning “life” and kai, meaning “effect, result, worth or benefit.” Combined: “a reason for living.” Beautiful, Isn’t it? Ikigai is the idea of seeking a purpose in everything you do in life - Hobbies, friendships, work, community, and travel all add to your ikigai. There is no need to visit a Buddhist temple in Bali to “find yourself.” Instead, Dustin and I want to use this episode to help you ...
036: Investment Wisdom You Can Bank On, Part 3
June 28, 2018 13:00 - 21 minutes - 17.3 MBSir John Marks Templeton (November 29, 1912 – July 8, 2008) was an American-born British stock investor, businessman, and philanthropist. He is credited with giving this investment wisdom in February 1994: “Bull markets are born on pessimism, grow on skepticism, mature on optimism and die on euphoria.” Today, Dustin R. Granger, CERTIFIED FINANCIAL PLANNER™ and I break down exactly what that phrase means, and how it can help show what is happening in the financial market! Here’s What You’ll...
035: Create, Don’t Compete,
June 21, 2018 13:00 - 35 minutes - 28.9 MBThe idea of competition is engraved in our minds. We believe that we have to compete for the same jobs as others. If someone has a job, that means you can’t have the same job. And if a company has a certain market share, that means you have to compete with that company to “win” a piece of their share. What if instead of competing, we focused on creating. On this episode, Dustin and I share a few well-known examples of people who created instead of competing, and how the world was changed as ...
034: 5 Things You Should Do To Prepare For A Recession
June 14, 2018 13:00 - 28 minutes - 23.3 MBThe recession of 2008-09 may have occurred nearly a decade ago, but it’s still a painful memory for many entrepreneurs. Unfortunately, economic downturns are a fact of life when you’re running a business. But there are steps you can take now to prepare your business to weather a storm and emerge even stronger. On this Worth It Episode, we will share 5 tips you can use to help you prepare for a recession. Here’s What You’ll Learn [2:30] Preparing for a recession [5:15] #1 - Be financ...
033: 11 Tips To Grow Your Instagram Account, With Danielle Granger Nava
June 07, 2018 13:00 - 51 minutes - 41.2 MBInstagram is undeniably one of the most important social channels around, and any marketer not yet using it is missing out on something big. Whether you manage the social media of a big corporation, a small business, or you’re using it to promote your own personal brand, incorporating Instagram into your marketing strategy is a must! Today, I will share 11 tips you can use to grow your Instagram account! These are not just random tips...I personally use all of them, and they have helped me g...
032: 5 Things You Should Consider Before Making “The Jump,”
May 31, 2018 13:00 - 33 minutes - 27 MBWhat if you have a good job, but you know there's something else you should be doing with your life? What if you are considering a transition, but you are not sure if you should make the jump? Today, Dustin R. Granger, CFP® and I share five tips that will help you determine if you should “Go ahead and jump.” Here’s What You’ll Learn [0:45] You know there's something else you should be doing with your life...do you jump? [3:45] It’s now more acceptable to jump than previous generations!...
031: From Stock Brokers To Robots?: The History And Future Of Financial Planning
May 24, 2018 13:00 - 42 minutes - 34 MBThe value investors derive from financial planners is changing drastically in the digital era, driven by a broader availability of information, the proliferation of automated investment tools, and expanding communication channels. The old mahogany desks and formal attire have been replaced with minimalist office spaces, younger, more tech-conscience advisors, and even automated, or “robo” advisors that can crunch the numbers much faster. Even more revolutionary is the expanded focus on l...
030: 5 Tips For First-Time Home Buyers, with Eric Blanchard
May 17, 2018 13:00 - 43 minutes - 35.4 MBBuying a home can be nerve-wracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses. What if you make a mistake? No need to worry...To make the first-time home buying journey a little less stressful, our good friend and real estate agent Eric Blanchard joins us on this Worth It episode to share five tips to help you navigate the home-buying process!...
029: 3 Reasons Why You Should Be Celebrating The Wins More Often, episode #29
May 10, 2018 13:00 - 24 minutes - 19.6 MBWhen you experience success, what do you do? Do you ignore these wins, automatically working toward the next goal without an acknowledgment of what has been achieved? Do you share a quick “congratulations” or “good job” and then head back into your office? It’s all too easy to place an immediate focus on your next task at hand and forget to stop and reflect on what’s been achieved. In this episode, Dustin R. Granger, CFP® and I share 3 reasons to celebrate the wins more often, even if th...
028: Gentleman, These 5 Rules Will Help You Dress For Success
May 03, 2018 13:00 - 44 minutes - 36.1 MBThe old saying, “You can't judge a book by its cover” may be true, but people are in fact formulating an opinion about you based on how you are dressed. Clothes make a strong visual statement. But, what most people are not aware of, is that what we wear significantly impacts our performance and attitude. Thus, dressing appropriately is one of the vital factors that will help you take control of your life with confidence and poise. Today, Dustin R. Granger, CERTIFIED FINANCIAL PLANNER™ shares...
027: The Best Future for Your Child: College Savings Strategies
April 26, 2018 13:00 - 39 minutes - 31.8 MBCollege seems a long way off when you bring your new baby home from the hospital, but the far-off nature of higher education shouldn’t move college savings strategies too far down your list of priorities. The good news is that there are several methods that can help you get started saving now, potentially saving your child (and you) from student loan debt down the road. More good news: We want to help you choose the right approach for your family! On this Worth It episode, Dustin R. Gran...
026: You Can’t Afford To NOT Take A Vacation
April 19, 2018 13:00 - 27 minutes - 22.3 MBAh, vacation. It’s a beautiful thing, whether your definition of it is traveling to some exotic locale or staying put and exploring spots in your hometown. It doesn’t matter if you prefer stay-cating, going abroad, or taking a road trip complete with a tent and camping gear. Breaking from work and taking a breather can be done in a variety of ways. Regardless of your reason for taking a vacation, the research is clear; time away from work—and everything that goes with it from emails to to-do...
025: Diversify Your Investments, Not Your Advisors
April 12, 2018 13:00 - 27 minutes - 22.6 MBSome people like to spread their money between two—or even three—investment advisors. They believe they’ll have better diversification in the market. Or maybe they believe it’s best to “hedge their bet” among different advisors to reduce their risk of loss. This usually isn’t a good move. There's no good reason to have more than one advisor, especially if you have a good one you trust. On this informative episode of Worth It, Dustin R. Granger, CERTIFIED FINANCIAL PLANNER™ explains why h...
024: Should You Intentionally Give In Order To Receive?
April 09, 2018 12:44 - 37 minutes - 30.5 MBGiving of yourself — whether it be your time, energy or money — isn’t just a boon to those you’re helping. A wealth of research shows that generosity can also have benefits for the giver, ranging from a better outlook at your job, to more years of life. Join Dustin R. Granger, CERTIFIED FINANCIAL PLANNER™ and I as we share a few ideas on how you can practice giving and generosity on this episode of the Worth It podcast! Here’s What You’ll Learn [2:45] The definition of Altruism [4:45] A...
023: Real Estate Vs. Stocks: Which One Wins?
March 29, 2018 13:00 - 39 minutes - 32 MBOver the years, we've heard the arguments as to which is the better investment: real estate or stocks. Both have their advantages and disadvantages, and there are several aspects of each that make them unique investments in their own way. To make money with either investment requires that you understand the positives and negatives of both. Here’s What You’ll Learn [1:30] Investing in Real Estate may not be better than investing in mutual funds [5:00] Pros of investing in real estate [...
022: Ladies, It’s Time We Started Talking About Money
March 22, 2018 13:00 - 24 minutes - 20 MBEveryone knows there are a few topics that can make any conversation awkward in a heartbeat. Religion. Health. Politics. Death. But when it comes to the most difficult conversation you can possibly have, stats show one subject is avoided more than any other: Talking about money. Eight in 10 women confess they have refrained from discussing their finances with those they are close to. Only 47% of women feel confident when talking about finances with a financial professional—compared to 77% wh...
021: Millennials Are Choosing Small-Town Charm: A Community-Minded Series, PART 1, with Nick Villaume
March 15, 2018 13:00 - 55 minutes - 44.9 MBThe thought of small-town life may sound undesirable for some, but there are benefits to small-town living which may just have you packing up to leave the bright lights faster than a New York minute. In this episode, Nick Villaume, a local entrepreneur, and influencer in Lake Charles joins Dustin and I to talk about the benefits of living and working in a small town, why you should be an ambassador for your community and why loving where you live can dramatically improve your quality of life...
020: Investing Wisdom You Can Bank On, Part 2
March 08, 2018 14:00 - 17 minutes - 14.4 MBSometimes the best advice can be found in the most unexpected places. On today’s episode, Dustin R. Granger, CFP®, and Danielle Granger Nava share some investing wisdom gleaned from two unlikely sources, a hockey player, and a famous actor/cowboy. Listen to this episode to hear these two amazing financial strategies! What would investing advice from Wayne Gretzky look like? If given the chance to sit down with Wayne Gretzky, most people would not think to ask him about financial advice, ...
019: Find Your Tribe: The Power of Niche Facebook Groups
March 01, 2018 14:00 - 26 minutes - 21.2 MBFacebook is evolving to focus more on building communities, and groups are the natural tools to help forge those new kinds of connections. One billion people already belong to Facebook groups. About 10 percent of those belong to groups that Facebook has identified as “very meaningful”—communities that “quickly become the most important part of someone’s experience on Facebook.” The power of niche The dictionary defines a niche as “denoting or relating to products, services, or interests ...
018: Protect Your legacy And Your Loved Ones With Basic Estate Planning
February 22, 2018 14:00 - 38 minutes - 31 MBCreating a comprehensive estate plan to deal with your assets and provide for your loved ones after your death is one of the most rewarding tasks you can undertake. Don’t make the mistake of overlooking your assets because you think you don’t have any. In fact, a basic estate plan is an important financial document for everyone to have. Broadly speaking, an estate plan encompasses the accumulation, conservation, and distribution of an estate. A good plan will enhance and maintain the financi...
017: Investing Wisdom You Can Bank On, Part 1
February 15, 2018 14:00 - 25 minutes - 20.5 MBWhat if I told you that the best investing advice may have already been shared with the world? Would you lean in, suddenly interested to know what this advice is and why you haven’t heard it before? Would it put your mind to rest, knowing that there is a solution to a seemingly unpredictable way to build wealth? In the next several episodes, we are going to share investing wisdom from several of the industry legends. Most of these quotes are not new, in fact, they have been repeated over and...
016: 13 Reasons You Should Start A Personal Blog, With Danielle Granger-Nava, episode 16
February 08, 2018 14:00 - 44 minutes - 35.6 MBBlogging can be incredibly valuable to a variety of people and for a variety of reasons. Blogging is not just for businesses! I’ve benefited personally, professionally, and financially from blogging. I recommend starting a personal blog to almost everyone I meet. Here are 13 reasons why I think YOU should start blogging! WHAT DOES IT TAKE TO START A BLOG? Anyone who thinks that blogging isn’t challenging hasn’t really done it. It is a challenge to sit down, write, edit, find the right pi...
015: Choosing Your Personal Finance Professional: Financial Coach, Financial Advisor, Or Financial Planner: Which Should You Use?
February 01, 2018 14:00 - 27 minutes - 21.9 MBGetting your finances in order can be a challenge. It's not the most exciting topic for many people and it can be confusing to try to make sense of all of the details without making a mistake. Many people seek out professionals to help them organize, manage, and optimize their finances. There are lots of options out there, and each of them do slightly different things. So, what type of financial professional should you use? On this Worth It episode, Dustin R. Granger, CERTIFIED FINANCIAL PLA...
014: Understanding Your Personal Rate of Return
January 27, 2018 14:00 - 26 minutes - 21.2 MBIf you are investing money, you are should be paying attention to your rate of return, interest rate and expected yield. There are a lot of confusing numbers and jargon that go along with investing, so we are dedicating this episode to explaining a few of these terms! Understanding a rate of return A rate of return is the gain or loss on an investment over a specified time period, expressed as a percentage of the investment’s cost. Gains on investments are defined as income received plus...
013: Financial Planning For Entrepreneurs
January 18, 2018 14:00 - 33 minutes - 26.8 MBBeing a successful entrepreneur requires a lot of expertise in a lot of different areas. One of the most important aspects of becoming a successful business owner is having your finances in order; after all, with no money, you've got no business. I have had an entrepreneurial drive since I was young, and understand the importance of having a financial plan in place for your business. On this episode, Dustin R. Granger, CFP® and I share a few tips entrepreneurs can use to gain income clarity,...
012: Manifesting Your Lead Role in the Movie of Your Life
January 11, 2018 14:00 - 57 minutes - 46.1 MBImagine someone asks you to write a story. They give you the title: A Perfect Life. Except you don’t get to choose the main character. And you don’t have much control over their childhood. Oh, and you can’t pick their family either. But their friends? All their relationships, jobs, and each and every choice they make in their life? That’s all you. You’re the guiding hand in their personal adventure where, at every stop, your pen writes the next paragraph. Because you are the main character i...
010: IRA, Roth IRA, 401(k)…What the Heck is the Difference?
January 04, 2018 15:07 - 41 minutes - 33.3 MBWe’ve all heard the warnings and are well aware that we should save more for retirement. And now that it’s a new year, it’s a good time to resolve to take concrete steps to do just that. Before one can take the first step, however, you must have an understanding of these retirement accounts so you can make an educated decision on which one is best for you and your situation. We know there’s a lot of confusion around this topic, so we break it all down for you. Uncle Sam wants you to save...
011: Going Beyond Resolutions Through Goal System Development
January 04, 2018 14:00 - 40 minutes - 32.7 MBHappy New Year! Here at the Worth It podcast we’re excited to share with you our advice on how to go beyond stereotypical New Year’s resolutions and move into a goal system development mindset. It’s one thing to have good intentions after the holidays and another to take concrete steps towards accomplishing the visions you have for yourself. Living your ideal life starts with developing daily lifestyle habits and systems. Don’t miss our engaging conversation on this episode of Worth It! Th...
009: Practicing Gratitude is your Soul-Revitalizing Super Power
December 21, 2017 14:00 - 46 minutes - 37.2 MBHappy Holidays! Welcome back to Worth It, the podcast designed to help you dream, plan and live your ideal life! In this episode, we want to take the time to focus on the importance of gratitude! The benefits of practicing gratitude are nearly endless. People who regularly practice gratitude by taking time to notice and reflect upon the things they're thankful for experience more positive emotions, feel more alive, sleep better, express more compassion and kindness, and even have stronger im...
008: Here's Why Women Are Better Investors Than Men
December 14, 2017 14:00 - 33 minutes - 27.3 MBResearch shows that, on average, women invest better than men. Despite a growing body of evidence to suggest that women are gifted at investing, there is still a lack of confidence regarding the subject. If women will engage in the process of learning investing, like they have saving and budgeting, all signs point to the fact that they will be tremendously successful. The Wage Gap Women are paid 20 percent less than their male counterparts performing the same job, according to the Instit...
007: Investing Basics with Dustin Granger CFP®
December 07, 2017 14:00 - 46 minutes - 37.7 MBSmart investing is more than just numbers, stocks, and market stats. Investing can help you build the dream you have for your life, live a lifestyle that suits you and helps you to retire one day. It may seem overwhelming, even risky at first, but trust me, you’re Worth It! Dustin and I talk about basic investment options in this episode, so grab a pen! If you have never stopped to calculate exactly what it would cost you, in financial terms, to achieve your desired lifestyle - this is a gre...
006: Insurance Planning with Dustin Granger CFP®
November 30, 2017 14:00 - 27 minutes - 22.3 MBIf insurance planning makes your head spin, or you are looking to re-evaluate the type coverage you need, you should listen to this episode of worth it with Dustin Granger CERTIFIED FINANCIAL PLANNER™. We talk about why insurance is an important part of your security pillar and how to plan for each stage of life, from single to married to long-term home care. Look at the whole picture If you are just starting to learn about insurance or have been “in the know” for a long time, it is impo...
005: Financial Planning for Millennials
November 23, 2017 15:00 - 45 minutes - 36.3 MBToday, Millennials make up 1/4 of the United States population or a total of 83.1 million people. There are significant differences between our parent’s generation and millennials. We were the first generation to grow up with easy access to computers and the first generation of the internet. Most millennials prefer to live in urban villages, with lots of opportunities for connection and social interaction. We also grew up in one of the most tumultuous economic settings since the Great Depres...
004: Saving for the Future While Enjoying Life Now
November 19, 2017 16:30 - 47 minutes - 38.2 MBToday, Dustin and I sit down to talk about the second pillar of life planning, security. For many people, saving can be stressful and overwhelming, so they avoid the subject and fail to create a plan. The reality is, if this discipline is developed early on, it can have profound effects on your quality of life later on. If you started this process at a later age, there are still several things you can do to maximize your retirement fund and savings. On this episode, Dustin and I talk about t...
003: Developing Your Personal Vision
November 09, 2017 14:01 - 17 minutes - 14.1 MBYour future is determined by the vision that you set in place for your life. Without vision, you cannot have a plan for where you want to be, what you want to achieve or the impact you want to make. Dustin and I share some powerful ways to help clarify your personal vision on this episode of Worth it! What would you do with immortality? That question seems like a fun one to talk about, right? With no time limits, it’s fun to think about all the things you could do, the places you would...
002: Design the Life You Love With The 5 Pillars of Life Planning
November 09, 2017 14:00 - 17 minutes - 14.6 MBToday, Dustin and I are celebrating several amazing events that have taken place in our personal lives, including the launch of the Worth It Podcast! We do a high-level introduction of the 5 pillars of life planning, including vision, security, wellness, legacy, and systems. In upcoming episodes, we will dive deep into each pillar with more details and action steps. The importance of vision Vision can be defined as mental exercises, or a new way to look at your life. Dustin says vi...
001: Choose the Life You Want and Get Busy: Welcome to Worth It!
November 02, 2017 19:29 - 39 minutes - 31.3 MBWow, we can hardly believe this is really happening, but it is. Welcome to the Worth It podcast. This first episode is a conversation between my brother Dustin and me, Danielle. It's a snapshot of who we are, what we believe, and why we are doing this podcast. We are Millennials and we work in the financial industry and help people like you with life planning. It’s our goal to help you live your best life, your fairy tale life - and it’s not all about money, investments, and retirement accou...
000: Worth It Podcast Trailer
November 01, 2017 13:00 - 3 minutes - 2.61 MBWelcome to Worth It! This is a podcast to help you dream, plan, and live your ideal life! Financial planning is not just for old men...getting sound advice early on is critical for building wealth over time. Enter Dustin and Danielle, a brother and sister millennial team devoted to educating their generation about financial and life planning, and inspiring you to take action now! Resources & People Mentioned theworthitpodcast.com/visiondownload Connect With Danielle and Dustin Ask you...