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NoBS Wealth

Stoy Hall, CFP®

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Welcome to the NoBS Wealth Podcast—where we ditch the BS, cut through the noise, and get real about what it takes to build wealth, especially for women, minority business owners, and those standing on the edge of their financial journey, ready to take that first bold step. We’re not here to sugarcoat it. I’m Stoy Hall, your host and Certified Financial Planner, and I’m bringing you conversations that go beyond the spreadsheets. We're talking about the emotional, psychological, and real-life ...
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For almost a decade, The Scarecast—hosted by Michael Crutchfield—has captivated audiences with spine-tingling stories that explore the shadowy depths of real-life horror. Originally launched on YouTube as MaddMike, The Scarecast masterfully narrates true accounts of chilling encounters, from paranormal experiences to unsettling run-ins with strangers. With over a hundred episodes, The Scarecast stands out for its dedication to authentic, listener-submitted tales that leave audiences both uns ...
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Insurance isn’t boring—it’s the foundation of your wealth plan. Most people treat it like an afterthought, only glancing at benefits during open enrollment and hoping nothing bad happens. That’s exactly why so many families end up scrambling when life hits them with the unexpected. In this episode, I sit down with Maxwell Schmitz, a disability insu…
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This episode pulls no punches. We’re talking about the realities of first-generation wealth building, the systemic oppression that keeps people stuck, and the truth about how legacy gaps can transform into generational growth. I sit down with Dr. LaTanya White—researcher, entrepreneur, and unapologetic truth-teller—to dissect why traditional wealth…
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You want the truth about the One Big Beautiful Bill. Not headlines. Not wishful thinking. The real impact on your money and your business. That is what we cover today. Morgan Anderson joins me to break down what changes now, what phases in next, and where the media is getting it wrong. We hit the mess around “no tax on tips” and why it is not the f…
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Q4 is the graveyard for lazy marketing. Every year, business owners crank out more posts, flood their feeds, and wonder why nothing sticks. It’s not about more volume. It’s about strategy, intention, and execution. And if you miss that in Q4, you’re already behind. In this episode, Stoy Hall and Kristina Hall rip apart the myths the “experts” keep …
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It’s time to reset. No fluff, no filler, no long-winded bios. Just raw conversations about money and wealth that actually matter. The NoBS Wealth Collective is here. A vetted group of badass professionals ready to go deeper than the surface-level talk you’re used to. We’re cutting through the noise of media myths and bringing you the truth—straight…
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Parenting isn’t content. It’s real life. It’s loud, messy, exhausting, and worth every ounce of you. In this episode of Let’s Get Real, I talk honestly about back-to-school chaos, youth sports pressure, and the money choices that actually build a family you’re proud of. We get into why “perfect parent” is a trap, how to use the 18 summers mindset w…
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This week on Let’s Get Real – we’re tearing into the headlines from the week of August 4th and not holding back. From FBI-confirmed pump-and-dump scams designed to leave you holding the bag… to TikTok layoff videos that could wreck your career before you even hit “upload”… to an Iowa task force actually floating performance-based pay and benefit cu…
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You ever unplug long enough to actually feel again? In this episode, I pull back the curtain on what really matters—not headlines, not hustle culture, not market panic. But moments. Memories. Legacy. After 18 hours in a car, hiking Zion, dodging rattlesnakes, and road-tripping with my wife and kids, I realized how little time we actually have with …
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Stop hiding from those IRS letters. They're not coming to drag you away in handcuffs. The biggest lie the government ever told you? That tax debt will ruin your life. Here's the brutal truth: 99.9% of people who owe taxes will NEVER see the inside of a jail cell. But they will lose sleep, relationships, and thousands of dollars in penalties because…
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You didn’t ask for this bill. Hell, most people didn’t even know it got signed. But now it's here—and it’s coming for your wallet, your business, your health benefits, your loan rates, and your damn peace of mind. In this raw breakdown of The One Big Beautiful Bill Act, Stoy Hall exposes the top 5 financial threats buried in this 900+ page mess—fro…
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Stop trying to think your way to wealth. Your nervous system has been calling the shots this whole time. Most financial advice tells you to "remove emotions" from money decisions. That's complete bullshit. You can't remove what's hardwired into your survival system. Here's the brutal truth: Your childhood money memories are still running your finan…
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Your money's getting played while you're scrolling memes. Time to wake the f*ck up. This ain't your typical finance bro BS - we're talking about the real moves happening RIGHT NOW that are messing with your bag. SBA loans just got harder to snag (yeah, they moved the goalposts AGAIN), Cincinnati Fed's actually doing something useful for once, and g…
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What happens when a college football player gets locked up in Beijing for smoking weed and turns it into a bestselling book empire? Picture this: You're 24, fresh out of college, teaching English in Beijing when three Chinese police officers knock on your door. Within hours, you're locked in a cell with 14 Chinese men you can't communicate with, ea…
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YOUR MONEY IS UNDER SIEGE RIGHT NOW The system is rigged. Private equity vultures are bleeding your kids' sports funds dry. The Fed is holding rates hostage because of Trump's tariff chaos. And while you're getting crushed at the gas pump, your savings are sitting there doing nothing. This isn't some distant economic theory - this is happening to Y…
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Let's Get Real just got real as hell. Stoy strips away the bullshit and takes you through the brutal reality of loss - from teammate suicides to watching his alcoholic mother die at 50, to losing the grandmother who raised him. This isn't your typical grief podcast. This is raw truth about what death actually does to you, your kids, and everyone le…
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They said she'd never walk again. They were dead wrong. Holly's battle with Guillain-Barré Syndrome left her paralyzed and fighting for her life. Now she's fighting to tell her story—raw, unfiltered, and without permission. This isn't your typical medical recovery podcast. It's a brutal awakening to what happens when your body betrays you and the h…
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Buckle up for a raw, unfiltered journey of transformation that'll make your entrepreneurial soul IGNITE! From a rough San Francisco neighborhood to selling his financial advisory firm, building groundbreaking tech, and now revolutionizing sports content with Bench, Dasarte Yarnway is the embodiment of creating your own destiny. This isn't just anot…
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THE GAME-CHANGING POWER OF YOUTH SPORTS Former D1 football player drops UNFILTERED wisdom on why youth sports matter more than ever. No BS talk on football safety, when kids should start, and the REAL lessons sports teach that America desperately needs. "Sports isn't just for the love of the game—it builds discipline, work ethic, and the mental tou…
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Money doesn't have to be cold, rigid, and intimidating. In this bold, thought-provoking episode, I sit down with financial therapist Rachel Duncan who's revolutionizing how we heal our relationship with cash through art and creativity. Ever felt like the financial industry left you behind? You're not alone. Rachel reveals how her background as both…
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Trigger Warning: This episode contains discussions of suicide, including real-life incidents and urban legends. Listener discretion is advised. Step into the chilling shadows of Pasadena’s Colorado Street Bridge—infamously known as “Suicide Bridge”—in this haunting episode of The Scarecast. Mike explores the bridge’s tragic legacy, from its constru…
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WHY ARE WE THE WAY WE ARE? In this raw, unfiltered episode, Stoy rips the mask off society's toxic habit of tearing each other down instead of building each other up. The shit-talking ends NOW. No political agenda. No geopolitical crap. Just the brutal truth about why we attack each other online while celebrities and the wealthy elite keep getting …
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Ever feel trapped in your own box? In this brutally honest episode, Mss Francois (the Multi-talented and Super Sexy powerhouse from Trinidad and Tobago) exposes the immigrant journey nobody talks about—being kicked to the curb with her belongings in garbage bags just months after arriving in America. She doesn't sugarcoat it: "It sucked. I hated it…
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GET YOUR SHIT TOGETHER WITH LIFE INSURANCE Ever feel like those insurance salesmen are just vultures picking at your wallet? I used to BE one of those guys - and yeah, it was sleazy as hell. But here's the raw truth: you NEED life insurance, and you're bullshitting yourself with every excuse not to get it. In this no-holds-barred episode, I'm calli…
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Divorce papers in one hand, social services forms in the other. A small-town doctor facing financial ruin after losing her six-figure job. But that's not where Dr. Tara Harding's story ends – it's where it begins. Hear the raw, unfiltered journey of how rock bottom became the foundation for a healthcare revolution. From screaming on her bedroom flo…
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On this episode of The Scarecast, we’re diving deep into the haunted heart of Inglewood, California - a city where the past lingers in the shadows and every landmark seems to have a story to tell. In this episode, we’ll unravel chilling tales from three of Inglewood’s most infamous sites: Inglewood Park Cemetery, the old Airport Park View Hotel (no…
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Think you're a real entrepreneur by pumping every damn penny back into your business? THINK AGAIN. In this raw, unfiltered episode, I rip apart the dangerous myths keeping you broke while your business thrives. You're working yourself to death, paying everyone BUT yourself, and calling it "hustle" when it's actually just slow financial suicide. The…
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What if the biggest obstacle to your success isn't what you think, but how you tell your story? In this raw, unfiltered conversation, strategic storytelling consultant and bestselling author Aleya Harris reveals how authenticity unlocks real connection and drives success. From traveling the world as a private chef to losing it all with postpartum d…
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Grinding 24/7 isn't the flex everyone thinks it is. It's DESTROYING your life. In this raw, unfiltered episode of Let's Get Real, we tackle the brutal reality of hustle culture head-on. With 77% of employees burning out, your side hustle might be slowly killing you instead of saving you. But here's the truth: You DON'T need to sacrifice your sanity…
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Season 9, Episode 3 of The Scarecast Podcast delivers nine chilling true stories that defy explanation and blur the line between the natural and supernatural. Listeners will hear a haunting account from a caregiver about a resident whose deceased husband’s ghost was seen locked in a basement, a terrifying encounter with a massive, two-legged wolf-l…
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Sick of being seen but not paid? In this raw, unfiltered conversation, Shayna Davis reveals the brutal truth about why most women entrepreneurs have plenty of visibility but empty bank accounts. She shares her journey from occupational therapist to influence expert, and how she discovered the "High Five" strategy that helped her land corporate cont…
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THE AMERICAN DREAM IS DEAD. OWNING A HOME IN 2025? F*CK THAT. The "white picket fence" fantasy is BLEEDING YOU DRY. At $400,000 average home cost and 6.67% interest rates, you're looking at $3,000+ monthly for what exactly? A financial prison. In this raw, unfiltered episode of Let's Get Real, we shatter the post-WWII propaganda that's been force-f…
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Left with nothing after divorce, forced onto food stamps, and watching her credit card decline at Walmart—Anika Jackson's rock bottom moment became the catalyst for an extraordinary comeback. In this raw, unfiltered conversation, Anika reveals how she transformed from a desperate single mom to a university professor, podcast curriculum creator, bus…
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Your primary home is the WORST debt you could have. PERIOD. The ultra-wealthy know something you don't: Debt isn't a burden—it's LEVERAGE. While you're stressing about paying off your mortgage, the rich are using their debt to create more wealth. In this no-bullshit episode, Stoy rips apart everything you thought you knew about money. Discover why:…
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WAKE THE FUCK UP. You're caught in a financial cage of your own making. In this raw, unfiltered episode, I expose the five deadly money traps keeping you broke while the wealthy get richer: The endless DEBT CYCLE you can't escape The so-called "AMERICAN DREAM" bleeding you dry Your soul-crushing JOB DEPENDENCY Financial ILLITERACY they never taught…
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In this no-holds-barred conversation, PR powerhouse Liana Zavo reveals how she transformed from a teenage mother with crushed dreams into a global PR force operating in 12 countries. Stoy Hall digs into the raw truth of her journey - the Russian immigrant who faced constant rejection, battled autoimmune disease from overworking, and ultimately buil…
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After a brief hiatus, The Scarecast returns with a chilling new episode, Season 9 Episode 2, packed with true stories that will keep you up at night. Mike is back from the chaos of busy season in public accounting and ready to deliver a fresh batch of spine-tingling tales for all the loyal listeners who stuck around during the break. This episode f…
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Two powerhouse Black entrepreneurs collide in this raw, unfiltered conversation that shakes up everything you thought you knew about success. Stoy Hall sits down with Izzy Baker, creator of PSA: The Mental Health Podcast, for a brutally honest discussion about escaping limiting environments, defying generational expectations, and building success o…
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Forget the dictionary definition – this isn't about your bank account or the zeros behind your name. In this no-holds-barred episode, I rip apart society's obsession with money and expose what ACTUALLY matters when we talk about wealth. 70% of Americans claim they want memories over money. But are you LIVING that truth or just talking about it? Thr…
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Ever felt trapped between your business ambitions and a relationship that's draining your soul? In this raw, unfiltered episode, Stoy Hall dives deep with energy healer and former CPA Danielle Ingenito into the devastating impact toxic relationships have on entrepreneurs. From starting a business while 9 months pregnant to healing from financial tr…
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WARNING: THIS EPISODE WILL PISS OFF THE ENTIRE FINANCIAL INDUSTRY Tired of the bullshit? So is Stoy. In this no-holds-barred episode, he rips the mask off the THREE ways financial advisors make their money—and why two of them are probably screwing you over right now. From the dying breed of Assets Under Management (AUM) that quietly drains your por…
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Struggling to balance your health and wealth? What if your physical fitness is the missing key to your financial success? In this explosive conversation, fitness entrepreneur Devan Gonzalez shatters conventional wisdom about career paths and reveals the deeply intertwined relationship between physical health, mental clarity, and financial prosperit…
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When a financial advisor steps up to defend DEI in an industry dominated by white men, the knives come out. In this explosive episode, Stoy shares the raw, unfiltered backlash he received after speaking truth about diversity in wealth management. "If you come at my family and attack my family, you better not miss." Witness the ugly side of standing…
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That sick, vile feeling just hit your stomach, didn't it? BUDGETING. Yeah, I said it. While 68% of Americans are running blind without a detailed budget and 60% couldn't handle a $1000 emergency without spiraling into debt, you're about to discover why the most successful companies in the world embrace this "scary" word – and why you should too. No…
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Ever stare at your ceiling at 3 AM, mind racing while your doctor says "everything looks normal"? Bullshit. In this raw conversation, Natalie Jurado blows the lid off the magnesium conspiracy that's keeping millions suffering from anxiety, insomnia, and muscle cramps unnecessarily. She turned her own health nightmare into a mission after doctors fo…
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LET'S GET REAL: THE PAY GAP IS BULLSHIT - BUT THE INVESTMENT GAP IS WORSE 82 cents on the dollar? That's what women still make compared to men in 2025. But hold on to your wallets, because women only own 32 CENTS for every DOLLAR men have invested. In this no-bullshit episode, Stoy Hall tears into why women are still getting financially screwed in …
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From sleeping on park benches as a runaway teen to selling her cauliflower company for 8-figures, Amy Lacey's story will shock you—and then light a fire under you. After battling lupus, depression, and childhood trauma, Amy transformed her health struggles into a business empire that revolutionized the food industry. Now she's revealing how trauma …
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Are your money fears SABOTAGING your wealth journey? In this raw, unfiltered episode, Stoy Hall exposes the three devastating fears that keep women financially frozen - and how to BREAK FREE from them TODAY. Stop letting internal judgment, fear of the unknown, and fear of failure dictate your financial future. Stoy calls out the BS media messaging …
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FROM NOTHING TO MILLIONS: THE MISSING PIECE IN WOMEN'S WEALTH JOURNEY Women: are you stuck in financial quicksand while watching others build empires? Audrey Faust was once drowning in poverty-level income with two babies and zero escape plan. Then she discovered the hidden wealth formula most women miss. In this explosive conversation, Audrey reve…
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Ever wonder if boycotting a company means you should dump their stock too? Stoy Hall cuts through the noise and gets brutally honest about the disconnect between your values and your wealth journey. In this no-holds-barred episode, Stoy tackles the controversial Target boycott debate and reveals why emotional investing decisions could be sabotaging…
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🎧 WARNING: This ain't your typical business success story. Meet Red - the tattooed, no-filter hairstylist who went from bankruptcy to building a $148K business by breaking every "professional" rule in the book. In this raw AF episode, she spills the messy truth about: Why filing bankruptcy (twice!) doesn't mean game over How she turned social media…
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