A legacy letter, a father's voice, and the question every child carries for the rest of their life without asking out loud. Blake Brewer, founder of Legacy Letter, joins Keith Tyner and Doug Shrieve to share how a letter his father wrote before his unexpected death became the framework for helping more than 20,000 families pass down what matters most. This episode walks through the Legacy Letter framework from beginning to end: apology, unconditional love, specific affirmation, belief in your ch...
Jun 18, 2026•1 hr 31 min•Ep. 88
Keith packed everything for the Inca Trail. A porter could have carried most of it for a few dollars a day. It’s a good picture of how most of us handle life. In this conversation, Keith Tyner and Doug Shrieve of Gimbal Financial talk through the expectations, costs, and burdens people carry without ever deciding to. They cover the SpaceX IPO and what investor history actually teaches, why the idea that parents fund college only dates to the 1980s, how housing cost is the single biggest financia...
Jun 15, 2026•31 min•Ep. 87
Have you ever felt like no matter how much you accomplish, it still isn't enough? Many people spend their lives chasing success, approval, achievement, and significance, hoping the next milestone will finally bring peace. In this episode of Up Your Average, Keith and Doug share how Bob Warren’s Romans study challenged that mindset and changed the course of their lives. What began as a simple study eventually transformed how they viewed themselves, God, forgiveness, purpose, and what it truly mea...
Jun 08, 2026•26 min•Ep. 86
The future belongs to skilled workers. In this episode, Keith and Doug interview Jason Altmire, author of Trade Up , who explains why skilled trades are becoming one of the most important pathways to career stability, entrepreneurship, and long-term financial success. As the cost of college continues to rise and the demand for skilled labor grows, more families and young adults are reconsidering what career preparation should actually look like. Jason discusses how trade schools and certificate ...
Jun 01, 2026•39 min•Ep. 85
Regulatory compliance is usually treated like the most boring part of business, but this conversation proves it doesn’t have to be. In this episode of the Up Your Average podcast, Doug sits down with Gimbal Financial’s compliance officer, Sue Mitchell, to talk about what regulatory compliance actually looks like behind the scenes, why compliance matters more than most people realize, and how businesses can stay compliant without losing their personality. Sue brings a refreshing perspective to co...
May 25, 2026•32 min•Ep. 84
Buying a home is exciting—but many new homeowners quickly realize there are hidden responsibilities and unexpected expenses nobody prepared them for. In this episode of the Up Your Average Podcast, Doug sits down with expert repairman Micah Langmaack to break down a practical homeowner checklist designed to help first-time buyers and aspiring homeowners avoid costly mistakes. From home maintenance basics to common repair issues, this conversation covers the real-world things every homeowner shou...
May 18, 2026•33 min•Ep. 83
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 diffe...
May 11, 2026•41 min•Ep. 82
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: noth...
May 04, 2026•36 min•Ep. 81
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 ...
Apr 24, 2026•23 min•Ep. 80
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 m...
Apr 20, 2026•34 min•Ep. 79
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 ...
Apr 16, 2026•35 min•Ep. 78
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 surf...
Mar 30, 2026•1 hr 24 min•Ep. 77
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 gro...
Mar 23, 2026•36 min•Ep. 76
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?...
Mar 16, 2026•27 min•Ep. 75
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 perspe...
Mar 09, 2026•37 min•Ep. 74
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 ...
Mar 02, 2026•27 min•Ep. 73
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 th...
Feb 23, 2026•28 min•Ep. 72
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 ...
Feb 16, 2026•26 min•Ep. 71
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, lo...
Feb 09, 2026•27 min•Ep. 70
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 surp...
Feb 02, 2026•32 min•Ep. 69
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, tra...
Jan 26, 2026•30 min•Ep. 68
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 no...
Jan 19, 2026•27 min•Ep. 67
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, recogniz...
Jan 12, 2026•41 min•Ep. 66
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 v...
Jan 05, 2026•30 min•Ep. 65
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, lifesty...
Dec 22, 2025•35 min•Ep. 64
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 ti...
Dec 15, 2025•30 min•Ep. 63
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 breakth...
Dec 08, 2025•30 min•Ep. 62
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...
Nov 27, 2025•27 min•Ep. 61
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, financi...
Nov 20, 2025•11 min•Ep. 60
"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 lea...
Nov 17, 2025•27 min•Ep. 59
