Up Your Average

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 identityIf you’re ready to think differently and take control of your future, this is where it starts.👉 Work with us: https://www.gimbalfinancial.com

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. If you want help bringing clarity and structure to your 40s so you can enjoy it and stay on track financially, we’re here to help.Work with us at https://www.gimbalfinancial.com.

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 onThe real impact of marriage on your life and financesWhy kids may be a blessing—not just an expenseHow contentment can outperform high incomeThe hidden cost of wasting time in your 20sSimple financial habits that build long-term wealthWork with us at https://www.gimbalfinancial.com.

Financial planning has evolved in ways most families don’t fully understand.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 insteadThis episode is especially relevant for families with significant assets who want a more intentional, values-driven approach to wealth.Work with us at https://www.gimbalfinancial.com.

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 resultsHow to say no without guilt or second-guessingWhen to say no to protect your time, energy, and wealthThe mindset shift that separates high performers from everyone elseFor 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.Work with us at https://www.gimbalfinancial.com.

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.Work with us at https://www.gimbalfinancial.com.

Caring for aging parents can be one of the most emotional and complex seasons a family will face. For many adult children, the conversation quickly turns to assisted living or facility-based care. But in many cases, home care deserves much more consideration than it gets.In this episode, Keith and Doug interview home care experts David Morgan and Tracy Seals about why staying at home may be a practical and deeply personal option for older adults, especially when dementia, memory changes, or growing daily support needs begin to affect family life. They explore how home care can help preserve dignity, familiarity, and quality of life while giving adult children a more flexible path forward.This conversation is designed for families trying to make wise decisions for aging parents without rushing past options that may be a better fit emotionally, medically, and financially. If you are navigating dementia, evaluating care choices, or trying to support your parents with clarity and compassion, this episode will help you think through the next step.Find solutions for your aging parents at https://seniorhomecompanions.com.Work with Keith and Doug at https://www.gimbalfinancial.com.

Social connection has changed dramatically over the last few decades—and not necessarily for the better.In this episode of Up Your Average, we rewind the clock and compare what social life looked like in the 1960s versus today. Back then, boredom pushed people outside. Kids rode bikes until dark. Neighbors talked on front porches. Community happened naturally.Today, we have more technology, bigger homes, and endless entertainment, but many people feel less connected than ever.So what changed?We explore how social media, digital communication, and modern lifestyles have reshaped the way we interact with each other. While technology has made it easier to stay “in touch,” it may also be replacing the kind of real, face-to-face connection that strengthens families, friendships, and communities.If you're raising a family or thinking about the kind of life you want to build, this conversation may challenge the way you think about connection, community, and time spent outdoors. Because sometimes the most valuable things in life aren't found online. They happen eyeball to eyeball.Work with us:👉 https://www.gimbalfinancial.com

In this episode of Up Your Average, Keith and Doug sit down with Hall of Fame college football coach Mark Richt to talk about the leadership principles that carried him through one of the most competitive environments in sports.Coaching at the highest level of college football, Richt learned quickly that even the best leaders only win a little more than half the time. If the greatest coaches make the Hall of Fame at around a 65% win rate, how do leaders maintain confidence, identity, and perspective when things don’t go their way?Mark shares common-sense leadership lessons about handling criticism, separating your identity from your job, and leading people with character and clarity. Whether you're leading a team, running a business, managing investments, or guiding your family, these insights apply far beyond football.If you're looking for practical leadership wisdom from someone who has led at the highest level of college football, this conversation with Mark Richt delivers insights that stand the test of time.Work with us:👉 https://www.gimbalfinancial.com

What if your self-confidence could increase 60–70% in just eight weeks?In this episode, Caleb and Libbi take a deep dive into the Dale Carnegie Course with Steve Haines to learn why high performers continue investing in personal development decades after achieving financial success.Self-confidence isn’t personality—it’s a skill. We explore how structured training improves communication clarity, reduces stress by up to 50%, strengthens leadership presence, and deepens relational awareness. For families managing careers, investments, and legacy planning, those soft skills often determine long-term outcomes more than raw intelligence or capital.We also discuss:Why phone distraction is eroding real connectionHow better listening improves influenceThe relationship between confidence and stress reductionWhy stepping outside your comfort zone accelerates growthThe measurable impact of communication trainingIf you’ve built financial capital but want stronger relational capital, this conversation will challenge you to think differently about self-development.Build both financial and personal confidence by connecting with our team at Gimbal Financial: 👉 https://www.gimbalfinancial.comStart the Dale Carnegie Course for yourself by connecting with Steve Haines:👉 https://indy.dalecarnegie.comYour portfolio matters. But so does the person managing it.

How do you retire without anxiety? For high-net-worth families, retirement planning isn’t just about growing wealth—it’s about spending it wisely and confidently.In this episode of the Up Your Average, Keith and Doug unpack one of the most overlooked transitions in financial life: shifting from saving mode to spending mode. If you’ve built over $500,000 in investable assets, the question is no longer “Can I grow this?” but “Can I enjoy this—without running out?”We explore:The psychology of the spender vs saverWhy flatlining your wealth at 65 may be perfectly rationalThe difference between accumulation and decumulation strategyHow to eliminate guilt and anxiety around retirement spendingWhat worry-free retirement planning actually requiresFor many disciplined savers, the hardest part of retirement is giving yourself permission to spend. But you only get one retirement. The goal is not just financial security, but financial freedom.If you want a retirement income strategy built for confidence, connect with our team at Gimbal Financial.👉 Work with us: https://www.gimbalfinancial.com

Artificial intelligence is everywhere. But can AI actually help improve your cash flow, or is it just another shiny distraction? In this episode, Doug breaks down how artificial intelligence tools can be used practically to bring clarity, discipline, and efficiency to your cash flow, especially for families navigating rising income and the quiet threat of lifestyle creep.Many high-earning families don’t struggle with income—they struggle with visibility and control. As spending grows alongside success, cash flow often becomes reactive instead of intentional. We discuss how AI can help identify spending patterns, surface inefficiencies, and support better decision-making without removing the human judgment required for long-term financial planning.You’ll also learn why AI is not a replacement for wisdom, values, or a comprehensive financial strategy and how over-reliance on automation can actually accelerate lifestyle creep if left unchecked. The real power of AI lies in pairing it with a disciplined cash flow framework and experienced financial guidance.If you  want to use technology to support your financial goals, this conversation will help you think more clearly about how AI fits into your wealth strategy.👉 Want professional guidance applying this to your own finances?Work with us at https://www.gimbalfinancial.com.

Most families think about generosity emotionally—but few think about it strategically.In this episode, Keith and Caleb break down a surprising way to give generously while improving your tax planning, especially for families with significant assets. When done correctly, generosity doesn’t just improve the world around you—it can reduce taxes, preserve family wealth, and help future generations thrive.We walk through the four ways wealth is typically used over a lifetime: consumption, taxes, loss, and giving. While most people fixate on spending and investing, high-net-worth families often overlook how intentional giving can become one of the most efficient tools in their overall financial plan.You’ll learn:Why taxes are often the biggest “silent consumer” of wealthHow generosity can be structured to reduce tax dragA practical example of using tax-advantaged strategies to benefit family and future generationsWhy “giving later” is often less effective than giving intentionally todayThis is not about charity for charity’s sake. It’s about aligning your values with smart tax planning so your wealth does more than sit on a balance sheet or get lost to Uncle Sam. If you’ve ever wondered whether you can be generous and financially disciplined, this conversation will change how you think about giving.If you want help building generosity into your tax and financial plan, work with us at https://www.gimbalfinancial.com.

What can you really accomplish in your first year as a financial advisor?In this episode, Keith sits down with Caleb Tyner for an honest, behind-the-scenes conversation about the lessons that only come from being in the trenches—working with real families, navigating real markets, and learning what it actually takes to give meaningful financial advice.From mastering financial advisor fundamentals to learning how to communicate clearly without industry jargon, this discussion explores what surprised Caleb most during year one on the job. We talk openly about confidence, decision-making, client relationships, market volatility, and why humility and lifelong learning matter far more than having all the answers.If you’re someone thinking seriously about becoming an financial advisor, this episode offers valuable perspective on how advisors grow, how experience compounds over time, and why long-term thinking beats short-term tactics. You’ll also hear why relationship-based advising, emotional discipline, and clear communication are essential when helping families steward wealth across decades, not just market cycles.If you’re looking for thoughtful, long-term financial guidance, work with us at https://www.gimbalfinancial.com.

Most people believe their worst job was a waste of time. The low pay. The long hours. The frustration. The feeling of being stuck.But what if the job you hated was actually overpaying you?In this episode, Keith and Doug take a candid look at the lessons learned from the worst jobs we’ve ever had—from fast food counters to hotel front desks—and why those experiences quietly shaped skills that paid dividends for decades. This is not a motivational speech. It’s a practical reframing of work, training, and long-term value that especially matters if you’ve ever thought, “I hate my job” or “This can’t be it.”You’ll hear why:A paycheck is often the least valuable part of a jobThe worst roles frequently deliver the best trainingEarly work experiences build empathy, discipline, and perspectiveLearning to think long-term matters more than short-term incomeThis conversation is especially relevant for families, professionals, and parents guiding young adults through early career decisions and for anyone building wealth with intention, not just income.If you’re thinking beyond today’s job and toward a more intentional financial future, we’d love to help.→ Work with us: https://www.gimbalfinancial.com

Cash flow is more than a budgeting exercise—it is the reality check that determines whether your money is truly supporting the life you want to live.In this episode, Doug walks through a comprehensive guide to cash flow, breaking it down into practical, real-world terms for families navigating career transitions, major purchases, retirement planning, or simply trying to create more financial margin. From wages and business income to taxes, expenses, investments, and giving, cash flow reveals not just where your money goes but what it values.You will learn why you should review your cash flow every year, how cash flow impacts net worth, why memories and experiences matter just as much as numbers, and how to use cash flow as a tool for better communication with your spouse and familyThis episode introduces a simple framework for evaluating money in, money out, and net cash flow—along with practical steps you can implement in under 90 minutes using tools you already have.If you want help turning your cash flow into long-term financial stability, we would love to talk.👉 Work with us: https://www.gimbalfinancial.com

When a parent begins to decline from dementia, families are often forced to make decisions with no perfect answers—only tradeoffs. In this episode, Keith and Doug sit down with experienced physician, Dr. George Elmes, M.D., to talk candidly about helping aging parents with dementia, navigating end-of-life care, and knowing when it’s time for family members to step in.This conversation goes beyond medical theory and into real-life scenarios families face every day: taking away car keys, recognizing cognitive decline, and deciding when independence must give way to safety. We also explore why dementia is often hidden by those diagnosed, how families miss early warning signs, and why waiting too long can leave everyone reacting instead of planning.You’ll hear a physician’s perspective on quality of life versus quantity of life, how medical technology can extend life without improving it, and why families must think long-term—not just crisis to crisis. Most importantly, we discuss how to approach these moments with compassion, clarity, and the goal of having no regrets.This episode is especially relevant for families with substantial assets who want to coordinate medical decisions with thoughtful financial planning—before a crisis forces rushed, emotional choices.If your family is facing dementia or planning for aging parents, professional guidance matters. We help families align medical realities with financial clarity.Work with us at https://www.gimbalfinancial.com.

Planning a wedding is one of the most meaningful (and expensive) decisions a couple will make. Yet many families approach wedding planning without the guidance they need to avoid unnecessary stress, wasted money, and regret. In this episode, Keith and Doug interview wedding planner Elizabeth Owens to break down 10 essential wedding planning do’s and don’ts every couple should consider before the big day.Drawing from real-world experience with couples, Elizabeth discusses what actually matters versus what simply adds cost without adding value. From guest lists and vendors to timing, food choices, and flow of the day, this conversation helps couples make confident, informed decisions that align with both their values and their finances.You’ll learn why:→ Smaller, intentional guest lists often lead to better experiences→ The right vendors, especially DJs and coordinators, can make or break the day→ Trends like first looks, private last dances, and late-night snacks are growing in popularity→ Overspending on décor rarely delivers lasting impact→ Preparation leads directly to peace on your wedding dayWhether you’re newly engaged or helping a child plan their wedding, this episode offers practical wedding planning advice designed for families who care about long-term financial health, not just one event.If you want guidance that goes beyond the wedding day and supports your broader financial life, we’d love to help.🔗 Work with us at https://www.gimbalfinancial.com🔗 Work with Elizabeth at https://www.savethedaysisters.com

When it comes to retirement planning and tax planning, one of the most common questions families ask is: which is best—taxable, tax-deferred, or tax-free accounts? The honest answer is more nuanced than most articles or headlines suggest.In this episode, Keith and Doug break down how taxable accounts, tax-deferred accounts (like traditional IRAs and 401(k)s), and tax-free accounts (like Roth IRAs) actually work and why the “best” option depends on your income, tax bracket, time horizon, lifestyle goals, and giving intentions. This is not a black-and-white decision. It’s more like solving a Rubik’s Cube, where every move affects another side.We walk through real-world scenarios, including retirement income planning, required minimum distributions, charitable giving strategies, and how different asset types impact both taxes today and flexibility later. We also discuss why diversifying your tax exposure can create more control and confidence throughout retirement.If you’re approaching or already in retirement, thinking about legacy planning, or simply want to make smarter decisions with significant assets, this conversation will help you reframe how you evaluate account types and long-term strategy.Work with us at https://www.gimbalfinancial.com.

Don’t let the world persuade you.In an age of constant noise, instant information, and cultural pressure, wisdom has become both rare and invaluable. In this episode, Keith and Doug explore what it means to live wisely in foolish times, drawing practical insight from ancient principles that remain deeply relevant to modern financial and family decisions.You’ll learn the difference between knowledge and wisdom, how foolish financial patterns quietly erode wealth, and why the people you spend time with matter just as much as the plans you make. For families with significant assets, the stakes are higher. Wise decisions compound—just like foolish ones. This episode is designed to help you slow down, think clearly, and align your personal and financial life with what truly matters.If you’re looking for a financial partner who prioritizes wisdom over hype and long-term clarity over short-term noise, we’d be honored to help. Learn more about working with us at https://www.gimbalfinancial.com.

How have you seen God move?Everybody collects unexplainable stories. In today’s episode, Keith and Doug unpack why these stories matter, how to recognize them, and why documenting them can reshape the way you see your past, your relationships, and even your financial decisions.You’ll learn:→ How unexplainable stories come about→ Why you should collect and share these stories→ What happens when you look for new stories in your life You’ll also hear real stories—from surprise business breakthroughs to improbable meetings to personal moments of rescue—that illustrate how divine providence shows up in the everyday.If you’re trying to make sense of your own journey, this episode invites you to slow down, observe, and capture the stories that shape your legacy.↳ Bring more clarity and confidence to your financial life by working with our team at Gimbal Financial: https://www.gimbalfinancial.com

In this special holiday episode, Keith and Doug share over 20 meaningful Thanksgiving conversation starters designed to help your family connect on a deeper level. Whether your gatherings lean peaceful, chaotic, sentimental, or hilarious, this episode gives you tools to do something different and bring more harmony, curiosity, and gratitude to the table.Drawing from stories that range from childhood traditions to New York City parades to unexpected life lessons, Keith and Doug unpack how simple, intentional questions can shift the tone of your entire holiday. Instead of drifting into politics or tension, you’ll learn how to redirect conversations with kindness, spark meaningful dialogue, and create shared memories that actually last.For example, here are some questions you can ask:Tell me about the Thanksgiving table when you were 12 and last year.How far back would the oldest person at the table have known someone?What are 2 holiday traditions you enjoyed then and now?When should Christmas decorating begin?Turkey or ham for Thanksgiving? Why?What is one thing your mom taught you? Your dad?Have you ever worked 60 hours in a week? Why?What’s your hardest job ever?What’s the weirdest job a relative has ever done?Have you ever eaten at a nice restaurant alone?What’s your oldest family tradition?What’s a place tied to your childhood that no longer exists?What’s a moment from your past that most wouldn’t know?Has your family kept a secret/mystery alive?If your life was a chapter in a history book, what would you title it?Name a forgotten childhood trend you were involved in?What’s an outdated rule your parents insisted on?Who in the past do you wish you had asked more questions?When did you feel you first became ‘you’?What story explains more about you than people realize?What’s a smell or sound that instantly takes you somewhere else?What object from your past will you keep?This episode is perfect for families looking to cultivate connection—especially those balancing busy lives, financial responsibilities, and multigenerational dynamics. If you want your Thanksgiving to feel more grateful, more human, and more enjoyable, you’re in the right place.↳ If you’re ready to bring more clarity and confidence to your financial life, work with our team at Gimbal Financial: https://www.gimbalfinancial.com

Relieve unnecessary stress at the end of life.In this episode of Up Your Average, Keith and Libbi consider the challenges families face when dealing with aging relatives, particularly those with dementia or Alzheimer's. They discuss tools and strategies to help families navigate medical, financial, and personal responsibilities while maintaining a supportive environment for their loved ones.You will learn:→ Why you should document change as your parent’s age→ How to organize medical, financial, and other documents→ What to do when tragedy strikesWant to use our aging well documents?Reach out to us at https://www.gimbalfinancial.com

"Everybody dies, but not everybody lives."What if the dream you’ve been carrying for years—or even decades—is still possible? In this episode, Keith and Doug explore what it really takes to pursue your aspirations at any age, especially when fear, uncertainty, or financial concerns have held you back. Whether your dream is personal, professional, or deeply tied to the legacy you want to leave your family, this conversation will help you see that your best chapters may still be ahead.You’ll learn:→ Why most people underestimate the time they have left→ How fear disguises itself as “logic"→ Why your financial strategy plays a critical role in unlocking your dreamsWe discuss practical steps for overcoming doubt, identifying what truly matters, and aligning your money with the life you actually want—all while maintaining stability for your family.If you’re building toward a major life shift, considering a new venture, or simply wondering whether it’s “too late,” this episode will show you that anything is possible with intention, clarity, and the right plan.↳ Ready to take the first step toward your dream?Start your plan today at https://www.gimbalfinancial.com

What drives your financial decisions? Beneath every investment, purchase, or plan lies something deeper: your financial worldview. In this episode, Keith from Gimbal Financial reveals how understanding that worldview can transform the way you approach money, purpose, and life itself.Using the metaphor of a gimbal—a tool that keeps a compass level no matter how turbulent the waters—Keith explains how clarity and stability come from aligning your financial choices with your personal values. You’ll learn how to:Identify the beliefs shaping your money decisionsReframe your financial goals around wisdom and purposeBalance wealth-building with fulfillment, freedom, and generosityThis conversation isn’t about market trends or stock tips. It’s about discovering why you make the choices you do and how to make them wiser.↳ Ready to align your wealth with your worldview? Work with us at https://www.gimbalfinancial.com

What does it take to achieve the American Dream?In this inspiring conversation, former Thunderbird pilot and author Matt Modleski joins Keith and Doug to talk about discipline, belief, and the power of surrounding yourself with “dream enablers.” From flying elite Air Force jets to raising his sons for success, Matt shares how preparation, purpose, and mentorship turn dreams into reality.You’ll learn:→ How to guide kids who don’t yet know what they want→ Why preparation beats talent and how it conquers fear→  The life lessons Matt learned as a Thunderbird pilot→ How to honor our veterans by living and leading with purpose→ The mindset shifts that separate high achievers from average onesWhether you’re raising a family or leading a team, this episode will remind you that making your dream come true starts with belief and disciplined preparation.↳ Ready to pursue your American Dream with confidence?Work with our team at Gimbal Financial to create a financial strategy that helps your family live boldly and give back generously: https://www.gimbalfinancial.com

Gold has long symbolized wealth, security, and stability, but what does it represent today?In this episode of Up Your Average, Keith uses a simple Hershey bar to reveal a complex truth: your dollars are worth less every year, and gold has a story to tell about why. From Roosevelt’s 1933 gold ban to Nixon’s 1971 shift to fiat currency, this episode unpacks the history of gold in America and what it means for investors in 2025.You’ll discover why gold went from $20 an ounce to over $4,000, what caused those massive swings, and why some investors cling to it while others avoid it. Keith breaks down the pros and cons of owning physical gold, including taxes, storage, and liquidity, and explains when gold may or may not belong in a smart portfolio.If you’ve ever wondered whether gold is a hedge, a hold, or a headache, this is your clear, fact-driven guide.👉 Ready to make smarter investment decisions? Connect with Keith at https://www.gimbalfinancial.com.

“You can’t do it alone.”In this heartfelt episode of Up Your Average, Keith and Doug interview Jan Jeter about how she walked through dementia with her husband, John. From the early signs to the final goodbye, she opens her heart to teach others how to navigate this challenging journey with love, patience, and resilience.By listening, you will learn: ➡️ What early signs may point to dementia ➡️ How to handle a diagnosis you don’t want to hear ➡️ Why you can’t walk through dementia alone🎙 Listen to more episodes of Up Your Average:👉 Apple: https://podcasts.apple.com/us/podcast/up-your-average/id1768337684👉 Spotify: https://open.spotify.com/show/5T8wKieBNQxju4mgHiDjSi?si=49b0ad4202434f0d🤝 Connect with Keith and Doug🌐 Website: https://www.gimbalfinancial.com🔗 Keith on LinkedIn: https://www.linkedin.com/in/keith-tyner-a941a58/🔗 Doug on LinkedIn: https://www.linkedin.com/in/doug-shrieve-0271989/📌 Subscribe for weekly wisdom on money, purpose, and life!👍 Like this video if it helped you💬 Comment: What did you learn in this episode?🔔 Subscribe and hit the bell so you never miss an episode

Do you qualify to save big this year?In this episode of Up Your Average, Caleb Tyner joins Keith and Doug to detail how seniors age 65 or over can deduct up to $12,000 on their federal income tax return through the Big Beautiful Bill.By listening, you will learn:- Who qualifies for this deduction- When the deduction ends- How to get the most of out the deductionConnect with us at www.gimbalfinancial.com.

Midlife doesn't have to be a crisis.In this episode of Up Your Average, Keith and Doug teach how to navigate midlife when family, work, and health issues converge.By listening, you will learn:Why midlife is the sweet spot of lifeWhat to do when everything goes wrongHow to eliminate unnecessary stressorsConnect with Keith and Doug at https://www.gimbalfinancial.com.

“If you want to go to the top, start by serving.”In this episode of Up Your Average, Keith and Doug give 12 tips for your first day of work.In this episode, you’ll learn:What to do if you make a mistake on the jobHow to serve Christ at workWhy the best leaders have a servant attitudeConnect with us at https://www.gimbalfinancial.com/.

“Don’t retire to recliner. Your best days are ahead.”In this episode of Up Your Average, Keith and Doug give salient advice on how to make retirement the best years of your life.In this episode, you’ll learn:➡️ The best questions to ask the first day you retire➡️ Why you should still find work to do when you retire➡️ How to manage your investment money to last 30+ years

“Gravity wears on all of us.”In this episode of Up Your Average, Keith and Doug discuss the best ways to care for aging family members. In this episode, you’ll learn: ➡️ The only 4 ways to respond to any aging situation ➡️ What questions to ask as your parents get older ➡️ The benefits of having aging parents move in with you

“Find something you're passionate about that helps others.”In this episode of Up Your Average, Keith and Doug interview Carmel High School Hall of Fame teacher Kelly Meyer who shares how volunteering has expanded her world.In this episode, you’ll learn:➡️ Why you should volunteer➡️ Where you can make an impact in your own community➡️ How to care for others without neglecting your own health🤝 Connect with Keith and Doug🌐 Website: https://www.gimbalfinancial.com🔗 Keith on LinkedIn: https://www.linkedin.com/in/keith-tyner-a941a58/🔗 Doug on LinkedIn: https://www.linkedin.com/in/doug-shrieve-0271989/

“You never know what the Lord has in store.”In this episode of Up Your Average, Keith and Doug interview 96-year-old attorney Donald W. Ward who shares how God lead him through his toughest times to leave a legacy full of life and happiness.In this episode, you’ll learn: ➡️ How God can turn tragedies into blessings ➡️ Why you should treat everyone with dignity and respect ➡️ What a healthy, lasting marriage looks like🤝 Connect with Keith and Doug🌐 Website: https://www.gimbalfinancial.com🔗 Keith on LinkedIn: https://www.linkedin.com/in/keith-tyner-a941a58/🔗 Doug on LinkedIn: https://www.linkedin.com/in/doug-shrieve-0271989/🤝 Connect with Donald🌐 Website: https://wardlawfirm.com

“You have to make difficult decisions to do things the right way.”In this episode of Up Your Average, Keith and Doug interview Leah DeBaun who shares how her life choices—from living in a one-bedroom apartment with her parents to building a tiny house and eventually fostering and adopting a child—helped her expand her world and gain perspective.In this episode, you’ll learn: ➡️ Why doing what is right is better than doing what is easy ➡️ How suffering can teach us more about God ➡️ The importance of emotion in life and decision making

“Growth doesn’t happen by accident — it happens when you choose to expand your world.”In this episode of Up Your Average, join Keith and Doug break down simple, practical habits that help you grow your perspective and start seeing life in new ways. Listen now to learn:Daily practices that expand your mindsetWhy new experiences shrink old problemsHow conversations with the right people can open new doorsThe importance of curiosity in personal growthThese aren’t just theories — they’re practical steps you can start today.

“The bigger your world becomes, the smaller your problems will seem.”In this episode of Up Your Average, Doug and Keith explore the power of worldview. They believe the bigger your world becomes, the smaller your problems will seem. By expanding your perspective, you can reduce stress, find new opportunities, and live with greater purpose.What you’ll hear:Why a narrow worldview makes problems feel bigger than they areHow intentional choices can expand your worldStories from Keith and Doug’s lives that reveal the cost of “shrinking”Practical steps you can take today to grow your worldIf you’ve ever felt overwhelmed by your problems, this conversation will help you see the possibilities beyond them.

"Working just for money is like running a marathon that never ends." In this episode of Up Your Average, Keith and Doug explore the deep connection between time, money, and purpose and why chasing a paycheck isn’t enough. Listen to learn:Why time is more valuable than moneyHow to stop trading all your hours for dollarsThe dangers of debt and high interestHow to make your money work for youFinding purpose in your work and financial life👉 If you enjoy this episode, please follow the show and share it with a friend who could use some encouragement.🤝 Connect with Keith & DougWebsite: https://www.gimbalfinancial.comKeith on LinkedIn: https://www.linkedin.com/in/keith-tyner-a941a58/Doug on LinkedIn: https://www.linkedin.com/in/doug-shrieve-0271989/

“Your best days are ahead, no matter your age.”Join Keith and Doug as they consider how to maximize every decade of life. In this episode, you will learn:Why you should buy a minivan in your 30s (even if you don’t have kids)How reaching your 60s is far from the end of your lifeWhat joys you can expect in your 90s👇Want more? Connect with Keith:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/Gimbal Financial website - https://www.gimbalfinancial.com

Which is more valuable: time or money?Join Keith as he examines the true value of time. Listen to this episode to learn:The best definition of retirementWhy building wealth isn’t worth all of your timeHow to make the most of your days📞 Want more? Connect with Keith:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Gimbal Financial website - https://www.gimbalfinancial.com

“Get educated on what your insurance actually covers.”Join Doug as he interviews Gabe Greene, owner of an Allstate Insurance Agency, about everything insurance. By listening to the episode, you will learn:What insurance actually coversHow to ensure you get the coverage you needWhy insurance is important to building your legacy👀 Want more? Connect with Gabe and Doug:Gabe’s LinkedIn - https://www.linkedin.com/in/gabe-greene-16620217/Gabe’s Website - https://www.gabegreeneagency.comDoug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/ Gimbal Financial website - https://www.gimbalfinancial.com

"Don't waste the time you have left."Join Keith and Doug as they interview author and speaker Dr. Ray Childers on the importance of time. In this episode, you will learn:Why time is critical to financial planningHow time came into being according to the BibleWhere existentialists go wrong about timeConnect with Dr. Ray ChildersDr. Ray Childers website - https://raychilders.com/Connect with Keith and Doug:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/Gimbal Financial website - https://www.gimbalfinancial.com

“God gave us two ears and one mouth for a reason.”Join Keith as he interviews Steve Hanes, the president of Dale Carnegie Training of Central Indiana, about how to communicate effectively in an introverted world. By listening to the episode, you will learn:The magic formula of storytellingWhy cell phones destroy quality communicationHow to speak confidently in any situation📞 Want more? Connect with Steve and Keith:Steve’s LinkedIn - https://www.linkedin.com/in/steve-hanes-861b454/Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Dale Carnegie website - https://www.dalecarnegie.com/en/locations/indianapolisGimbal Financial website - https://www.gimbalfinancial.com

“A good name is better than gold.”Join Keith and Caleb as they discuss how you can leave a lasting legacy. In this episode, you will learn:Why the world doesn’t care about legaciesWhich legacies have impacted Keith and Caleb the mostWhat you can do today to leave a lasting legacy📞 Want more? Connect with Keith and Caleb:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Caleb’s LinkedIn - https://www.linkedin.com/in/caleb-tyner-82b261184/Gimbal Financial website - https://www.gimbalfinancial.com

“Be interested, not interesting.”Join Keith and Doug as they discuss what it takes to be a dangerous man in today’s fragile world with The Hill men’s discipleship leader, Andrew Porterfield. In this episode, you will learn:Why every man needs a mentorHow to overcome the fear of talking to womenWhat it takes to live with confidence and courageCheck out the men’s ministry at The Hill:The Hill website - https://www.lifeonthehill.orgConnect with Keith and Doug:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/Gimbal Financial website - https://www.gimbalfinancial.com

“Whatever you do, work heartily, as for the Lord and not for men.”Join Keith and Doug as they discuss why God created us to work. In this episode, you will learn:What the true goal of work is (hint: it’s not retirement)How to choose what type of work to doWhy you don’t need to enjoy what you doConnect with Keith and Doug:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/Gimbal Financial website - https://www.gimbalfinancial.com

"Do you own your stuff or does it own you?"Take control of your estate by listening into Keith's interview with the owner of Estate & Downsizing Specialists, Brian Sample. Brian has been a licensed auctioneer and certified appraiser since 1998 and he loves helping people like you maximize the value of your assets while you transition from one stage of life to the next. In this episode, you will learn:- Why baby boomers tend to hoard stuff- What three questions to ask when sorting through your stuff- How to avoid causing family disputes over your estate📞 Want more? Connect with Brian and Keith:- Brian's Website - https://edsindiana.com- Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/- Gimbal Financial website - https://www.gimbalfinancial.com

“Can you imagine if the whole world was all savers?"Join Keith and Caleb as they discuss why God made both savers AND spenders. In this episode, you will learn:Why everyone should NOT be saversWhat it takes to be a good spenderHow savers and spenders can communicate well with one another📞 Want more? Connect with Keith and Caleb:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Caleb’s LinkedIn - https://www.linkedin.com/in/caleb-tyner-82b261184/Gimbal Financial website - https://www.gimbalfinancial.com

“We assume all investments are bad until proven otherwise.”Join Keith and Doug as they detail their method for investing your money in the market wisely. In this episode, you will learn:- The difference between asset allocation and position sizing- How we properly manage risk- Why the market isn’t to blame when things go southConnect with Keith and Doug:Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/Gimbal Financial website - https://www.gimbalfinancial.com