Welcome to Financial State of Minds!

Episodes

July 27, 2023

Financial State of Minds Episode 27

Featuring Darrin Harvey

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July 27, 2023

Setting Up Your Business for Credit and Lending Success

In this solo episode, Darrin walks listeners through the process of properly setting up a business to maximize access to business credit and lending opportunities. He explains why forming your business correctly matters, how the industry you choose can impact lending decisions, and why personal cr…

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May 20, 2023

Side Hustles That Can Grow Into Full-Time Businesses

In this solo episode, Darrin explores the exciting world of side hustles and how small ideas can grow into full-time businesses. He breaks down four side hustle opportunities — pet sitting, coaching/consulting, drop shipping & Amazon stores, and handyman services — explaining why they’re great sta…

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May 20, 2023

Top 5 Credit Cards for Building Credit (For Scores Under 700)

In this solo episode, Darrin shares his top recommendations for credit cards designed for people with credit scores under 700. He explains the difference between secured and unsecured credit cards, and why choosing the right one can make all the difference when starting or rebuilding credit. He re…

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May 20, 2023

Inflation, Layoffs, and How to Prepare: A 2023 Financial Update

In this solo current-news style episode, Darrin breaks down the state of the economy in spring 2023, focusing on two key topics: inflation and layoffs. He shares up-to-date statistics on rising prices and employment trends, then shifts to practical advice on how listeners can protect themselves fi…

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May 18, 2023

Business Credit 101: Building the Foundation for Growth

In this solo episode, Darrin breaks down the fundamentals of business credit — what it is, why it matters, and how to build it. He explains the difference between personal credit and business credit, then walks listeners through the first steps of establishing and growing a business credit profile…

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April 27, 2023

Why Financial Planning Matters: My Story of Caregiving and Security

In one of his most personal episodes yet, Darrin opens up about his journey as a caregiver for his father, who battled Alzheimer’s and kidney disease. Through this raw and emotional story, Darrin shares how caregiving shaped his perspective on life, money, and the importance of financial planning a…

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April 6, 2023

Self-Care, Yoga, and Money: A Conversation with Kenya Aissa

In this inspiring episode, Darrin sits down with Yoga Instructor and Holistic Wellness Coach, Kenya Aissa. Together, they explore the powerful connection between self-care, physical health, and financial health. Kenya shares her personal journey from being an overly stressed-out social worker to f…

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March 9, 2023

From Health Scare to 100K Followers: Cat’s Journey into Entrepreneurs…

n this inspiring episode, Darrin sits down with Wellness Coach Cat of Cat Fitness to talk about entrepreneurship, resilience, and the power of building something meaningful. Cat shares how a personal health scare became the turning point that pushed him to start his own fitness business. Through d…

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March 9, 2023

Money, Jokes, and Real Talk: A Comedic Spin on Our Relationship with …

In this special episode, Darrin flips the script and invites not one but two guests — up-and-coming comedians Don Sombra and JK the Laughing Stoic — for a hilarious, thought-provoking conversation about our relationship with money. This episode is packed with laughs, jokes, and real talk as the tr…

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Jan. 31, 2023

Real Estate 101: How to Build Wealth Through Property Host: Darrin …

In this solo episode, Darrin gives a clear and practical introduction to the world of real estate investing. He starts by explaining what real estate really is, then breaks down the different types — from residential to commercial to investment properties. From there, Darrin explores the many ways…

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Nov. 15, 2022

Retirement 101: How to Plan, Save, and Secure Your Future

In this solo episode, Darrin breaks down everything you need to know about retirement planning. He explains the different types of retirement accounts — including 401(k)s, IRAs, and Roth IRAs — and how each one fits into building long-term wealth. Darrin also unpacks the role of Social Security, s…

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Nov. 15, 2022

Business Mindset 101: Building with Purpose and Passion

n this solo episode, Darrin unpacks the essentials of a business mindset for anyone thinking about starting their own venture. He begins by explaining what a business truly is and the differences between nonprofits and for-profit businesses. From there, he dives into the key things to consider bef…

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Nov. 14, 2022

Financial State of Minds Epsiode 13

Featuring Darrin Harvey

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Nov. 3, 2022

Investing 101: How to Get Started the Smart Way

In this solo episode, Darrin breaks down the basics of investing in a way that’s approachable, clear, and practical for beginners. He explains the different investment options available — from stocks to real estate to other common vehicles — and provides an entry-level breakdown of how each works.…

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Nov. 3, 2022

Financial Security 101: Building a Plan That Actually Works

In this solo episode, Darrin delivers a step-by-step guide to building true financial security. Starting with the foundation of setting clear financial goals, he walks listeners through how to create a realistic budget, track expenses, and even build a custom income and expense sheet — whether you’…

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Oct. 19, 2022

FIRE and Financial Freedom: Building Independence on Your Terms

In this solo episode, Darrin takes listeners inside the world of the FIRE movement — Financial Independence, Retire Early — and explores what it really means to pursue financial freedom. He breaks down the difference between financial independence, financial freedom, and retirement (early or tradi…

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Sept. 26, 2022

Credit Cards 101: Everything You Need to Know About Credit Cards

In this solo episode, Darrin delivers a complete Credit Card 101 guide — covering everything from the basics of what credit cards are to advanced tips for using them wisely. He explains the differences between secured and unsecured cards, how merchant networks like Visa and Mastercard operate, and…

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Sept. 22, 2022

Credit Demystified: How Scores Work and How to Protect Yours

In this solo episode, Darrin takes listeners deep into the world of credit — breaking down what it is, how it works, and why it matters for everyone. Using the FICO scoring system as a guide, he explains the five key factors that make up a credit score and how each one impacts your financial opport…

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Sept. 12, 2022

Student Loan Debt: What You Need to Know Before, During, and After Co…

In this solo episode, Darrin delivers a comprehensive and eye-opening breakdown of student loan debt — what it is, how it works, and the lifelong impact it can have if not handled strategically. He explains the different types of loans (federal subsidized, unsubsidized, private) and offers his per…

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Sept. 8, 2022

Understanding Debt: How to Avoid It, Manage It, and Break Free

In this solo episode, Darrin delivers a comprehensive, no-nonsense breakdown of debt — what it is, how it affects different generations, and how to take control before it takes control of you. From credit cards to student loans, mortgages to medical debt, Darrin explains the different types of deb…

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Aug. 29, 2022

This Is Why I Do What I Do"

In this emotionally powerful Introduction episode, Darrin shares the real story behind his journey toward financial planning—and it’s not what you might expect. After experiencing multiple personal tragedies, including the loss of his immediate family, Darrin found himself at a crossroads: continu…

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