You know what money is -- but here's what money isn't... Financial literacy isn't taught, it's earned. Tune in to Money I$n't to learn the insider details on how money works, planning, and building wealth. This show shouldn't be free, but gatekeeping secrets is boring. So here's what money isnโt... Hosted by John L. Smallwood, CFPยฎ, President and Senior Wealth Advisor at Smallwood Wealth Management, with over 30 years of experience. Author of bestsellers ๐๐ต'๐ด ๐ ๐ฐ๐ถ๐ณ ๐๐ฆ๐ข๐ญ๐ต๐ฉ - ๐๐ฆ๐ฆ๐ฑ ๐๐ต and 5 ๐๐ข๐บ๐ด ๐ ๐ฐ๐ถ๐ณ ๐๐ฆ๐ข๐ญ๐ต๐ฉ ๐ช๐ด ๐๐ฏ๐ฅ๐ฆ๐ณ ๐๐ต๐ต๐ข๐ค๐ฌ.
Money Isn't
Claim This Podcastby John L. Smallwood
4.6(11 reviews)
190 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation ๐บ๐ธ
59
Podcast Authority
BetaFairBased on show quality, social media presence, reviews, charts, and more
Quality71
Social0
YouTube86
Engagement32
Podcast Overview
You know what money is -- but here's what money isn't... Financial literacy isn't taught, it's earned. Tune in to Money I$n't to learn the insider details on how money works, planning, and building wealth. This show shouldn't be free, but gatekeeping secrets is boring. So here's what money isnโt... Hosted by John L. Smallwood, CFPยฎ, President and Senior Wealth Advisor at Smallwood Wealth Management, with over 30 years of experience. Author of bestsellers ๐๐ต'๐ด ๐ ๐ฐ๐ถ๐ณ ๐๐ฆ๐ข๐ญ๐ต๐ฉ - ๐๐ฆ๐ฆ๐ฑ ๐๐ต and 5 ๐๐ข๐บ๐ด ๐ ๐ฐ๐ถ๐ณ ๐๐ฆ๐ข๐ญ๐ต๐ฉ ๐ช๐ด ๐๐ฏ๐ฅ๐ฆ๐ณ ๐๐ต๐ต๐ข๐ค๐ฌ.
Language
๐บ๐ฒ
Publishing Since
12/27/2017
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Recent Episodes
December 31, 2025
#83: How Whole Life Insurance Actually Works as a Wealth Tool
<p>To work with Smallwood Wealth Management visit <a href="http://Go.oncehub.com/swconcierge" target="_blank" rel="ugc noopener noreferrer">http://Go.oncehub.com/swconcierge</a> to schedule a call today!</p><p><br /></p><p>Whole life insurance is often dismissed as expensive or unnecessary, but when structured properly, it can become one of the most powerful tools in a long-term financial plan. In this episode of Money Isnโt, John Smallwood breaks down how whole life insurance works when it is integrated into a broader strategy rather than treated as a standalone product. Using real planning scenarios, John explains how whole life can reduce taxes, lower portfolio risk, provide reliable access to cash, and create stability during market downturns. This conversation reframes life insurance as a living asset that helps protect wealth, smooth retirement income, and support better financial decisions over an entire lifetime.</p><p><br /></p><p>Chapters:</p><p>(00:00) Introduction </p><p>(01:06) The Core Problem With โBuy Term And Invest The Differenceโ</p><p>(06:22) The Scenario Setup, Income, Spending, And Time Horizon</p><p>(09:08) How Taxes Quietly Drain Compounding Over Decades</p><p>(14:20) Volatility And Fees, Why โAverage Returnsโ Mislead People</p><p>(18:26) Term Insurance Is A Rental, And The Opportunity Cost Is Real</p><p>(28:52) The โDirty Wordโ, What Whole Life 100 Actually Guarantees</p><p>(51:43) Using Whole Life As A Volatility Buffer Inside A Bigger Plan</p><p><br /></p><p>What part of your financial plan would feel less stressful if you had guaranteed access to cash during a market downturn? Leave your answer in the comments below. </p><p><br /></p><p>Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!</p><p><br /></p><p>Connect with Us On Social Media</p><p>Instagram: <a href="https://www.instagram.com/smallwoodwealth" target="_blank" rel="ugc noopener noreferrer">https://www.instagram.com/smallwoodwealth</a></p><p>LinkedIn:<a href=" https://www.linkedin.com/in/john-l-smallwood" target="_blank" rel="ugc noopener noreferrer"> https://www.linkedin.com/in/john-l-smallwood</a></p><p>Facebook: <a href="https://www.facebook.com/SmallwoodWealthManagement" target="_blank" rel="ugc noopener noreferrer">https://www.facebook.com/SmallwoodWealthManagement</a></p><p><br /></p><p>This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. </p><p><br /></p><p>Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.</p><p><br /></p><p>NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.</p>
December 17, 2025
#82: Why Early Perspective Shifts Create True Wealth with Stephan Lowy
<p>To work with Smallwood Wealth Management visit <a href="http://Go.oncehub.com/swconcierge" target="_blank" rel="noopener noreferer">http://Go.oncehub.com/swconcierge</a> to schedule a call today!</p><p><br></p><p>The biggest wealth opportunities reward those who shift perspective and execute early. In this episode of Money Isnโt, John Smallwood sits down with serial entrepreneur Stephan Lowy, who shares how early action across emerging spaces like cannabis and crypto created opportunities most entrepreneurs never see. Stephan explains why failure is not the risk, hesitation is, and how surrounding yourself with the right people turns uncertainty into leverage. This conversation makes one thing clear. Wealth is not created by perfect timing. It is created by early perspective, decisive execution, and the courage to move before the market agrees with you.</p><p><br></p><p>Chapters:</p><p>(00:00) Introduction </p><p>(04:45) Growing Inside a 100-Year-Old Family Business</p><p>(08:30) Failure as a Strategic Advantage</p><p>(13:10) Why Perspective Matters More Than Industry</p><p>(18:00) Seeing Opportunity Before Cannabis Was Obvious</p><p>(22:45) Understanding Crypto Before the Crowd</p><p>(28:30) Tokenization and the Next Wealth Shift</p><p>(34:50) Execution Over Ideas</p><p>(43:05) Vision Without Execution Is Hallucination</p><p>(46:20) Acting Before the Market Understands</p><p><br></p><p>Connect with Stephan: </p><p>Instagram:<a href="https://www.instagram.com/stephanl8/ " target="_blank" rel="noopener noreferer">https://www.instagram.com/stephanl8/ </a></p><p>Facebook: <a href="https://www.facebook.com/stephan.lowy/ " target="_blank" rel="noopener noreferer">https://www.facebook.com/stephan.lowy/ </a></p><p>Website: <a href="https://lowys.com/ " target="_blank" rel="noopener noreferer">https://lowys.com/ </a></p><p><br></p><p>What opportunity do you believe is forming right now that most people are still ignoring? Leave your answer in the comments below. </p><p><br></p><p>Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!</p><p><br></p><p>Connect with Us On Social Media</p><p>Instagram:<a href=" https://www.instagram.com/smallwoodwealth" target="_blank" rel="noopener noreferer"> https://www.instagram.com/smallwoodwealth</a></p><p>LinkedIn: <a href="https://www.linkedin.com/in/john-l-smallwood" target="_blank" rel="noopener noreferer">https://www.linkedin.com/in/john-l-smallwood</a></p><p>Facebook: <a href="https://www.facebook.com/SmallwoodWealthManagement" target="_blank" rel="noopener noreferer">https://www.facebook.com/SmallwoodWealthManagement</a></p><p><br></p><p>This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. </p><p><br></p><p>Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.</p><p><br></p><p>NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.</p>
December 10, 2025
#81: The Business Principles That Keep Local Retail Alive with Angela courtney
<p>To work with Smallwood Wealth Management visit <a href="http://Go.oncehub.com/swconcierge to schedule a call today!" target="_blank" rel="ugc noopener noreferrer">http://Go.oncehub.com/swconcierge to schedule a call today!</a></p><p><br></p><p>People say that retail is dying, but Angela Courtney shows how service based businesses can still thrive when you own your niche, own your building, and take full ownership of your future. In this episode, John Smallwood sits down with Angela, founder of Sweetest Sin Boutique, co-owner of the Red Bank Classic 5K, real estate investor, and longtime community leader, to explore how she built a destination retail brand during the 2009 downturn, scaled through grit and guerrilla marketing, pivoted through supply chain challenges, and reinvested into local real estate to create long-term stability. They break down the realities of building a team, adapting in uncertain markets, strengthening community networks, and using small daily decisions to build momentum and wealth. Packed with insights for entrepreneurs and small business owners, this conversation shows how consistency, ownership, and community can turn a small shop into a lasting, compounding asset.</p><p><br></p><p>Chapters:</p><p>(00:00) Introduction </p><p>(02:10) Angelas role in Red Bank</p><p>(05:00) Immigrant roots and work ethic from family businesses</p><p>(09:00) Bartending, retail, and discovering the lingerie niche</p><p>(13:00) Opening Sweetest Sin in 2009 with 750 square feet</p><p>(18:00) Turning a lingerie store into a bra fitting destination</p><p>(22:30) Hiring, team strengths, and service based retail</p><p>(26:30) Buying her first building and growing a portfolio</p><p>(31:00) The truth about โdying retailโ and online competition</p><p>(35:00) Red Bank Classic 5K, community boards, and local wealth</p><p>(37:30) Using setbacks as fuel and taking the first step</p><p><br></p><p>Connect with Angela: </p><p>Instagram:<a href="https://www.instagram.com/angelacourtney17/ " target="_blank" rel="noopener noreferer">https://www.instagram.com/angelacourtney17/ </a></p><p>Business Instagram: <a href="https://www.instagram.com/sweetestsinbras " target="_blank" rel="noopener noreferer">https://www.instagram.com/sweetestsinbras </a></p><p>Website: <a href="https://www.sweetestsinbras.com/ " target="_blank" rel="noopener noreferer">https://www.sweetestsinbras.com/ </a></p><p><br></p><p>Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!</p><p><br></p><p>Connect with Us On Social Media</p><p>Instagram: <a href="https://www.instagram.com/smallwoodwealth" target="_blank" rel="ugc noopener noreferrer">https://www.instagram.com/smallwoodwealth</a></p><p>LinkedIn: <a href="https://www.linkedin.com/in/john-l-smallwood" target="_blank" rel="ugc noopener noreferrer">https://www.linkedin.com/in/john-l-smallwood</a></p><p>Facebook: <a href="https://www.facebook.com/SmallwoodWealthManagement" target="_blank" rel="ugc noopener noreferrer">https://www.facebook.com/SmallwoodWealthManagement</a></p><p><br></p><p>This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. </p><p><br></p><p>Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.</p><p><br></p><p>NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.</p>
190 total episodes available
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