Gimbal Financial

The future belongs to skilled workers.

In this episode, Keith and Doug interview Jason Altmire, author of Trade Up, who explains why skilled trades are becoming one of the most important pathways to career stability, entrepreneurship, and long-term financial success.

As the cost of college continues to rise and the demand for skilled labor grows, more families and young adults are reconsidering what career preparation should actually look like. Jason discusses how trade schools and certificate programs are equipping students with practical skills, entrepreneurial training, and real-world opportunities in fields like electrical work, plumbing, HVAC, welding, and construction.

This conversation explores why the trades are no longer just an alternative path, but a strategic option for young people looking to build meaningful, well-paying careers without massive student debt.

Whether you're a parent helping your child plan for the future, a Gen Z student exploring career options, or someone questioning the traditional corporate route, this episode offers a thoughtful look at the future of workforce development and skilled labor in America.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000770549051
YouTube: https://www.youtube.com/watch?v=WVgzd5WZ48s

85: How Trade Schools Prepare Students for Successful Careers with Jason Altmire The future belongs to skilled workers.In this episode, Keith and Doug interview Jason Altmire, author of Trade Up, who explains why skilled trades are becomi...

Regulatory compliance is usually treated like the most boring part of business, but this conversation proves it doesn’t have to be.

In this episode of the Up Your Average podcast, Doug sits down with Gimbal Financial’s compliance officer, Sue Mitchell, to talk about what regulatory compliance actually looks like behind the scenes, why compliance matters more than most people realize, and how businesses can stay compliant without losing their personality.

Sue brings a refreshing perspective to compliance by mixing practical insight with humor, real-world stories, and a willingness to challenge the stereotype of the “boring compliance officer.” From handling regulatory requirements to discussing risk, discipline, and professional responsibility, this episode explores how strong compliance can actually support growth and confidence.

Whether you work in financial services, own a business, or simply want a better understanding of compliance and regulatory compliance, this episode delivers practical insight in a way that’s engaging and easy to follow.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000769496243
YouTube: https://www.youtube.com/watch?v=0RCpUff3T40

84: Why This Compliance Officer Loves Taking Risks Regulatory compliance is usually treated like the most boring part ...

Buying a home is exciting—but many new homeowners quickly realize there are hidden responsibilities and unexpected expenses nobody prepared them for.

In this episode of the Up Your Average Podcast, Doug sits down with expert repairman Micah Langmaack to break down a practical homeowner checklist designed to help first-time buyers and aspiring homeowners avoid costly mistakes.

From home maintenance basics to common repair issues, this conversation covers the real-world things every homeowner should know before problems become expensive emergencies. Whether you recently bought a home, are preparing to buy one, or simply want to stay ahead on home improvement projects, this episode delivers straightforward, actionable advice.

You’ll learn about:
• Common home repairs homeowners overlook
• Easy maintenance habits that save money
• Small issues that turn into major expenses
• Interior home improvement priorities
• What to expect after buying a house
• How to prepare financially for homeownership

If you want a simple homeowner roadmap that makes owning a home less overwhelming, this episode is for you.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000768366380
YouTube: https://www.youtube.com/watch?v=8myhJjdpKw8

83: Home Maintenance Tips Every New Homeowner Needs with Expert Repairman Micah Langmaack Buying a home is exciting—but many new homeowners quickly realize t...

What if the biggest thing holding you back isn’t your past, but how your brain learned to respond to it?

In this episode, neurosurgeon Dr. Lee Warren breaks down how neuroscience, trauma, and mental health intersect and why lasting change doesn’t come from rewriting your story, but from rewiring your brain.

We explore a powerful idea: you don’t need a different life, different parents, or different circumstances to heal. You need to learn how your brain actually works and how to operate it differently.

Dr. Warren shares practical insights from years in the operating room and his work helping people overcome depression, anxiety, and trauma. This includes a fresh perspective on antidepressants, emotional resilience, and what he calls “self-brain surgery”—a process of intentionally reshaping your thinking patterns.

If you’ve ever felt stuck in cycles of anxiety, depression, or reactive thinking, this conversation offers a grounded, science-backed path forward.

Key Topics:
• Neuroscience and mental health explained simply
• Trauma vs. coping: what really drives your struggles
• Rethinking antidepressants and brain chemistry
• How to rewire your brain through daily habits
• The connection between thoughts, behavior, and identity

If you’re ready to think differently and take control of your future, this is where it starts.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000767167971
YouTube: https://www.youtube.com/watch?v=fZyegyiiY-s

82: Simple Brain Science That Can Change Your Life with Dr. Lee Warren What if the biggest thing holding you back isn’t your past, but how your brain learned to respond to it?In this episode, neurosurgeon Dr. Lee Warren breaks d...

How to Enjoy Your 40s and Still Retire Strong

Your 40s are a unique season of life, full of energy, opportunity, and motion.

In this episode, Keith and Doug talk through why this decade can feel like a “sweet spot.” You have more experience, more discernment, and often more financial stability, but at the same time, life is moving faster than ever. Your kids are growing up, your responsibilities are expanding, and your time and attention are being pulled in multiple directions.

One of the biggest ideas we unpack is simple but powerful: nothing gets better without attention.

That applies to your finances, your health, your relationships, and your family life. And in your 40s, when everything is in motion, it becomes critical to step back and ask: What actually needs my attention right now?

We also walk through what this decade often looks like in real life, especially for families. From youth sports to changing family dynamics, your role begins to shift. You’re no longer just leading your family, you’re often following where your kids’ interests and lives are taking you.

This conversation is about recognizing that reality, taking inventory, and being intentional with how you move forward.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000766018346
YouTube: https://www.youtube.com/watch?v=bpb036Kb-i4

Gimbal Financial 81: How to Enjoy Your 40s and Still Retire Strong

A lot of people waste their twenties and it’s not because they lack ambition. It’s because they’re focused on the wrong things.

In this episode, Keith and Caleb break down what actually matters in your 20s. And it’s probably not what you’ve been told. It’s not just about making more money, chasing status, or waiting until everything feels “perfect” before making big life decisions.

Instead, they explore a different framework: one built on purpose, intentional living, and the habits that quietly shape your future. From how you think about marriage and having kids, to how you spend your time and money, your twenties set the trajectory for everything that follows.

If you’re feeling pressure to keep up, delay decisions, or “figure it all out later,” this conversation will challenge that thinking and give you a more grounded, long-term perspective.

What you’ll learn:
• Why purpose matters more than income early on
• The real impact of marriage on your life and finances
• Why kids may be a blessing—not just an expense
• How contentment can outperform high income
• The hidden cost of wasting time in your 20s
• Simple financial habits that build long-term wealth

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000763393868
YouTube: https://www.youtube.com/watch?v=OC7VWwifDAE

Gimbal Financial 2 likes. "80: What Actually Matters in Your 20s (It’s Not What You Think)"

Is modern financial planning missing the point?

In this episode, Keith and Doug break down the 60-year evolution of financial planning, from relationship-driven advice in the 1960s to today’s metrics-obsessed world of 401k balances, market headlines, and financial gurus. Along the way, they unpack how major events like market crashes, media influence, and cultural shifts have reshaped what people think financial advice should be.

But here’s the deeper question: Has modern financial planning drifted too far from what actually matters?

If you’ve ever wondered whether today’s financial advice truly aligns with your family’s long-term goals—not just your portfolio—this conversation will challenge your perspective.

What we break down:
• How financial planning worked in the 1960s vs today
• The impact of major market events on investor behavior
• Why media and fear cycles shape financial decisions
• The rise of financial gurus and simplified advice models
• What affluent families should prioritize instead

This episode is especially relevant for families with significant assets who want a more intentional, values-driven approach to wealth.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000762367551
YouTube: https://www.youtube.com/watch?v=LZKATmOdcls

Gimbal Financial 79: Is Modern Financial Planning Missing the Point?

Most people believe success comes from saying yes to more opportunities. In reality, the opposite is true.

In this episode, we break down the power of saying no and why your ability to filter decisions is directly tied to your financial outcomes, time freedom, and long-term fulfillment. If you’ve ever felt stretched thin, overcommitted, or stuck in an “average” lifestyle despite doing all the right things, this conversation will challenge how you make decisions.

You’ll learn:
• Why saying yes too often leads to average results
• How to say no without guilt or second-guessing
• When to say no to protect your time, energy, and wealth
• The mindset shift that separates high performers from everyone else

For families and professionals with significant assets, the stakes are higher. Every “yes” carries an opportunity cost—often unseen, but very real. Mastering this skill is less about discipline and more about clarity and intentionality.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000761783593
YouTube: https://www.youtube.com/watch?v=pe5LwQnHoio

Gimbal Financial How to Say No (And Stop Living an Average Life)

Unforgiveness is rarely obvious at first. It doesn’t show up as a single decision. It builds quietly into bitterness, frustration, and ultimately a sense of hopelessness.

In this episode, Rick Underhill shares a deeply personal story about how unresolved resentment began to shape his thinking, his behavior, and the direction of his life. What started beneath the surface eventually led to consequences he couldn’t ignore and a realization that changed everything.

This conversation goes beyond surface-level advice. It unpacks what it actually looks like to confront that internal weight, take ownership, and choose forgiveness, not as a feeling, but as a disciplined decision that restores clarity and forward momentum.

For families focused on building not just wealth, but legacy, this is a critical distinction. Emotional patterns left unchecked can influence relationships, leadership, and long-term outcomes just as much as financial decisions.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000758183307
YouTube: https://www.youtube.com/watch?v=XIwQeDDkunA

77: From Hopelessness to Freedom: A Forgiveness Story with Rick Underhill Unforgiveness is rarely obvious at first. It doesn’t show up as a single decision. It builds quietly into bitterness, frustration, and ultimately a sense of ...