Welcome to Financial State of Minds!

Episodes

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…

Listen to the Episode
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…

Listen to the Episode
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…

Listen to the Episode
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…

Listen to the Episode
Aug. 29, 2022

Investing Through Life Insurance: Building Wealth with Protection in …

In this educational episode, Darrin is joined by Kwesi Dreams, a Financial Insurance Broker and Coach, for a deep and engaging conversation on how life insurance can be used for more than just protection — it can also be a powerful wealth-building tool. Kwesi breaks down how certain life insurance…

Listen to the Episode
Aug. 22, 2022

What Education Really Costs: From Pre-K to Graduate School

In this solo episode, Darrin takes listeners on a financial journey through the entire education system, from Montessori and Pre-K tuition to college and graduate school debt. Drawing on real-life examples from families, students, and his own experience, he highlights how education—at every level—…

Listen to the Episode
Aug. 22, 2022

Buying a Home in 2022 (and Beyond): What You’re Really Up Against

📝 Episode Summary In this solo episode, recorded in Summer 2022, Darrin dives deep into the housing crisis—and why the dream of homeownership feels so out of reach for so many people. Using real stats, personal perspective, and listener-focused insight, Darrin explores how the market got this way…

Listen to the Episode