Gimbal Financial

Buying and selling, mortgage interest, and the case for calling where you live a house, not a home. Keith Tyner and his son Caleb Tyner compare 40 years of moving from place to place.

Caleb's first house is a new build beside a cornfield, with a bed, a desk, and not much else inside. Keith and his wife have listed the house they raised their kids in and are hauling a load a day to Goodwill. Keith grew up with 220 square feet per person and has 2,250 today, and the house he most enjoys visiting raised six kids in under 1,000 square feet.

This episode covers:
• Where 70% of Caleb's first mortgage payment went
• How Keith paid next month's principal with this month's payment
• What a campground office in Malibu asked about a box back in Indiana
• Who told a friend in assisted living that she was already home
• Why 50 DVDs in the back of a Suburban made Keith count his working weeks

Keith's parting word to his son comes from Proverbs 24: whatever you fill the rooms with, those are the riches, and he does not mean furniture.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000788265137
YouTube: https://www.youtube.com/watch?v=jJyKZ8Y5GTs

99: Call It a House, Not a Home: Keith's Rule for Buying and Selling Buying and selling, mortgage interest, and the case for calling whe...

Living courageously is a choice. Keith's daughter has made it in a war zone, facing brain surgery at 24, and alone in cities where she knew no one.

Keith Tyner and Doug Shrieve sit across from Kristen Hakalmazian, Keith's daughter, who details the anxiety and perfectionism she has struggled against and the motto that reframed her setbacks: rejection is spiritual protection.

• How fear loses its grip when you move toward the thing you dread
• Why failure at 18 in San Diego turned into redirection
• What a brain tumor diagnosis at 24 changed about ordinary days
• When a mission trip to Ukraine met the Crimea crisis in real time
• Whether comparison on social media is stealing your nerve

The safety net you can't see is usually there, and sometimes it looks like your dad.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000786939739
YouTube: https://www.youtube.com/watch?v=opV-tgxc0HY

98: Living Courageously with Keith's Daughter Kristen Hakalmazian Living courageously is a choice. Keith's daughter has made it in a ...

The road to someday leads to a town called Never. That warning moved Tony from Indianapolis to a surf town in Costa Rica.

Tony O'Neill, founder of Highline Outdoor Group, runs executive search for the outdoor and sporting goods industry and once built Yeti's leadership team during its biggest growth run. He tells Keith Tyner and Doug Shrieve why he and his wife Marla were not trying to escape Indianapolis, and what finally made leaving practical.

This episode covers:
• Why paying off a mortgage created the capital for land abroad
• What selling a house by owner looks like with one showing window
• How location independence and time zones shaped the business model
• When a winter rental became a land purchase and an architect
• Whether a lifetime of belongings deserves one shipping container

Tony's one piece of guidance for anyone circling a move this big: do it immediately, don't wait.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000785449648
YouTube: https://www.youtube.com/watch?v=QpLqalhnSUU

97: He Sold Everything and Moved to Costa Rica with Tony O'Neill The road to someday leads to a town called Never. That warning move...

The crowd follows the same biases into the same losses. Don names every one and shows how to catch yourself before the next mistake.

Keith Tyner and Doug Shrieve sit down with Don Murphy, a former Marine and longtime friend of the show who has spent decades around markets and the people who invest in them. He starts with the behavioral gap: investments that performed fine while their owners earned less.

This episode covers:

- What a breadmaker that wouldn't sell reveals about restaurant w**e lists
- How one question about your news network predicts your vote
- Why missing the market's 50 best days turns 13% into negative 4
- Whether AI is 1995's browser war all over again
- Who wins when your twenty dollars bets against a professional gambler

The best market advice in the conversation came from a park ranger: when you meet the bear, resist the urge to run.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000783769206
YouTube: https://www.youtube.com/watch?v=z9wRZ5o2DPc

96: Why the Crowd Is Always Wrong About Money with Don Murphy The crowd follows the same biases into the same losses. Don names e...

10 minutes is the one block of time nobody is too busy for. Doug set a stopwatch at a coffee shop table and beat it with 36 seconds to spare.

Keith argues that our world shrinks with time. And investing only 10 minutes a day in the right activities can keep it open. Doug warns that even 10 careless minutes close it just as fast. The old line about handing a job to a busy person turns out to be about valuing the 10 minutes rather than the hustle.

This episode covers:
• How you can buy wisdom with 10 minutes a day by reading the book of Proverbs
• How one page at a time becomes a book for a kid's 16th birthday
• Whether an AI counts as a friend once you have thanked it
• Why Keith rolls his eyes when someone says the phone goes both ways

If you want to change your world, take 10 minutes (or more) and listen to this episode.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000781918782
YouTube: https://www.youtube.com/watch?v=qVxKK0EKR0Q

95: How 10 Minutes a Day Can Change Your World 10 minutes is the one block of time nobody is too busy for. Doug se...

Choosing who to trust comes down to two qualities. Keith has used both to vet every professional in his life and he uses a fishing bobber to explain them.

Most people negotiate every hire like a commodity, shopping price on work they have no way to evaluate. Keith and Doug Shrieve argue the habit costs more than it ever saves, and that the fix is a short list of people you stop pricing altogether.

This episode covers:
• What the two colors on a bobber tell you before you hire anyone
• How a fifteen-year-old stopped a sixty-foot tree from hitting the crew
• Who Keith trusts with his own house and how little he has to manage it
• Why Keith turned down a discount that would have halved his cost
• When a private equity sale starts changing your service

Keith’s artist friend put it best: once white paint goes gray, nothing brings it back.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000779654362
YouTube: https://www.youtube.com/watch?v=4grthMdFRw4

94: Keith's Bobber Test for Hiring People You Can Trust Choosing who to trust comes down to two qualities. Keith has used b...

Keith hired his first employee at thirty and got one thing badly wrong. He waited too long to say the hard thing, and it cost him twenty nights of sleep.

Keith Tyner and Doug Shrieve talk through feedback: how to give it, how to take it, and why the gap between those two skills shape your life. Keith elaborates on how, just like a good story, your life is filled with protagonists and antagonists. You choose which one you play at work, at home, and in every room you walk into. Doug admits he still flinches when someone criticizes him, and he doubts anyone truly enjoys it. What they land on is plain enough. A system corrects itself only when feedback moves fast, and most of us let the loop run open for years.

Key Topics:
• Why Keith scrapped the annual review at Gimbal
• What "you could be right" does to an argument
• How to tell a protagonist boss from an antagonist boss
• When a decent tip beats an honest one
• What Doug still finds hard about hearing criticism

If there is a conversation you have been putting off, this one may be the nudge to go have it this week.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000778517469
YouTube: https://www.youtube.com/watch?v=TK3x6l3utRg

93: The Feedback Loop That Cost Me 20 Sleepless Nights Keith hired his first employee at thirty and got one thing badly wr...

Keith and Doug learned the hard way that being sure of something and being right are two different things. This week, they name three things they believed for years, and none of them held up.

Keith Tyner and Doug Shrieve open up about opinions they held onto for too long. Doug avoided the weight room for years, then swung from insecurity to overconfidence before landing on humility. Keith misjudged a stranger's parenting, misread his own father, and misunderstood what clients actually want from an advisor. They trace how fear shapes what people believe, why competition doesn't have to mean someone loses, and what changed their minds along the way.

Key Topics:
• What kept Doug out of the weight room for most of his life
• How a different view of competition changed the way Keith sees success
• Why being wrong about the same thing twice is worse than being wrong once
• What an accidental $2,500 auction bid taught Keith about humility
• How a neighbor's yard sent Doug down a rabbit hole about marketing and memory

If you've ever wondered whether you're still holding onto an opinion that stopped being true a long time ago, this conversation is worth the drive.

Apple Podcasts: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000777528932
YouTube: https://www.youtube.com/watch?v=Vi0rR_htuQU

92: Just Because You Believe Something Doesn't Mean It's True Keith and Doug learned the hard way that being sure of something an...

Andy Benes gave up the home run that tied a playoff game, and three decades later it still gives him chills.

Keith Tyner and Phil Byers sit down with Andy Benes, the number one overall MLB draft pick in 1988 and a 14-year veteran of the San Diego Padres, Seattle Mariners, St. Louis Cardinals, and Arizona Diamondbacks, for an All-Star break conversation about the moments that stick. Andy and Don Mattingly both grew up in Evansville, Indiana, yet never faced each other until the 1995 playoffs, when Mattingly turned on a Benes fastball and the crowd threw their drinks on the field chanting "Donnie Baseball." From that pitch to the catcher who taught him to trust, Andy tells the stories behind a big-league life.

Key Topics:
• What it felt like to give up Don Mattingly's home run at Yankee Stadium
• Why two kids from Evansville, Indiana never crossed paths until the big leagues
• How catcher Tom Pagnozzi changed Andy's career with one talk about trust
• Who really leads a clubhouse, from Scott Rolen to Albert Pujols
• Why baseball's unwritten rules still settle scores with a fastball
• What 14 years and four teams taught him about winning together

It's the kind of conversation that reminds you the best lessons rarely show up in the box score.

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000776569970
YouTube: https://www.youtube.com/watch?v=TL3PGkm0fI0

91: Andy Benes and the Home Run That Gave Him Chills Andy Benes gave up the home run that tied a playoff game, and three...

America's founding fathers stepped into total uncertainty with no guarantee it would work. The only thing that gave them the courage to do it was faith.

On this Fourth of July weekend, Keith and Doug sit down with sculptor Sabin Howard, the artist behind the National WWI Memorial in Washington, D.C., as he prepares to unveil his next project: the Grand Liberty Arch, a monument to America's founding story headed for the Utah State Capitol. The conversation moves from faith and freedom to why self-responsibility feels harder to find today, and what it actually takes to build something that lasts.

Key Topics:
• What gave America's founding fathers the courage to risk everything
• Why Sabin believes perseverance matters more than talent
• How losing touch with neighbors changed once air conditioning became common
• Where Sabin's next monument, the Grand Liberty Arch, will stand
• Why creating something is more powerful than protesting against it

Apple Podcast: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684?i=1000775619621
YouTube: https://www.youtube.com/watch?v=4VpcIlby7ww

90: Freedom, Faith, and the Founding Fathers with Sabin Howard America's founding fathers stepped into total uncertainty with no g...