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  • 3 Power Moves to Build Your Brand Today | Financial Strategies for Entrepreneurs

    3 Power Moves to Build Your Brand Today | Financial Strategies for Entrepreneurs
    2025/06/09
    Unlock your business growth with proven branding insights and financial strategies from financial coach Joey Ruffalo. In this episode, discover how to build a bold personal brand, improve your money mindset, and take actionable steps toward long-term prosperity. These tips are ideal for entrepreneurs, small business owners, and side hustlers ready to turn financial coaching into real-world results.
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    55 分
  • Debt vs. Retirement? Proven Strategies to Crush Debt Without Killing Your Future

    Debt vs. Retirement? Proven Strategies to Crush Debt Without Killing Your Future
    2025/06/02
    Is it smarter to pay off debt or invest in retirement — and how do you know when to hit pause? In this episode of The Prosperity Lounge, Joey Ruffalo breaks down the most emotionally loaded question in personal finance:“Should I pause my retirement contributions to pay off debt?” You’ll discover: ✅ The exact debt payoff strategies that work (Snowball, Avalanche, Hybrid & more) ✅ How your age and proximity to retirement change the entire conversation ✅ Why the math says YES — and when it doesn’t ✅ How to negotiate with lenders and build a real payoff plan ✅ Listener questions on car loans, savings, medical bills, and more Joey also shares how he and his family paid off $370,000 in debt — and what made the biggest difference. 🎁 Grab the Debt Payoff Tracker and budgeting tools at 👉 TheProsperityLounge.com 🎧 Subscribe, leave a review, and share this episode with someone who’s ready to break free. Because debt steals your future — but every payment is a punch back. Let’s fight this together.
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    29 分
  • Why Money Stress Is Wrecking Your Health | Tips to Take Control

    Why Money Stress Is Wrecking Your Health | Tips to Take Control
    2025/05/26
    Feeling overwhelmed by money stress? You’re not alone. In this episode, Joey Ruffalo shares how financial anxiety impacts your health, relationships, and mindset—and what habits can bring peace. Learn how to budget with intention, reduce guilt, and start talking about money without the fight. 📲 Get free tools, guides, and join the community at theprosperitylounge.com financial wellness, money stress, budgeting tips, mental health and money, financial coaching, values-based budgeting, money and relationships, recovery strategies, health impact
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    31 分
  • From Side Hustles to Breakthroughs: How I Paid Off $370K in Debt

    From Side Hustles to Breakthroughs: How I Paid Off $370K in Debt
    2025/05/19
    What happens when budgeting isn’t enough? You hustle—with purpose. In this powerful episode of The Prosperity Lounge, Joey Ruffalo shares how he and his family used side hustles to pay off over $370,000 in debt—and how you can create financial breathing room, margin, and momentum using what’s already in your hands. We’ll walk through: Why most people don’t have an income problem—they have an only one income problem How to find your “Sweet Spot” for a profitable side hustle Tips to get started fast without a website, business plan, or burnout Real examples of everyday people turning skills into income Plus: How Joey’s eBay flipping days became a #1 bestselling book on Amazon 💻 Join the free community: www.TheProsperityLounge.com 📺 Catch the full video on YouTube https://www.youtube.com/@theprosperitylounge 🎙️ Subscribe on Apple Podcasts, Spotify, or wherever you listen You don’t need perfection. You need a plan. Let’s build one—together.
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    30 分
  • Why Most Budgets Fail — And How to Finally Build One That Works

    Why Most Budgets Fail — And How to Finally Build One That Works
    2025/05/12
    What if the problem isn’t you — it’s the budget? In this episode of The Prosperity Lounge Radio Show, Joey Ruffalo shares the hard truth about why most budgeting strategies fail and how to flip the script to create a plan that brings peace, not pressure. From common traps like rigid templates and guilt-based spending to real-world solutions like values-based budgeting and “fun money” flexibility, Joey breaks it all down with humor, honesty, and real-life experience. He also dives into the $1.77 trillion student loan crisis and how a strong, flexible budget is your best defense against chaos — whether you’re repaying debt, applying for forgiveness, or just trying to stay afloat. 🎯 Learn how to stop living reactively and start telling your money where to go. 🎁 Try The Prosperity Planner, our new budget tool, FREE for 30 days at TheProsperityLounge.com 📲 Join The Prosperity Lounge, the lounge is always open, at www.theprosperitylounge.com
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    28 分
  • Welcome to the Lounge: My Journey, Your Breakthrough

    Welcome to the Lounge: My Journey, Your Breakthrough
    2025/05/04
    In the premiere episode of The Prosperity Lounge Radio Show, Joey Ruffalo shares the powerful story behind his journey — from crushing debt to financial freedom, and how faith, grit, and strategy created a new path forward. This isn't just his story — it's the beginning of yours. Tune in to discover what prosperity really means and how this show will help you unlock it in your finances, your business, and your life. Listen live on Saturdays on 96.3FM in East Tennessee, or subscribe on your favorite podcast app: Spotify, Apple Podcast, Amazon, iHeart, Pandora and more. Join in the fun and enter the lounge at www.theprosperitylounge.com our free community where you can connect, ask questions and offer your own take. Be part of the live action over on our YouTube channel where we live stream the show and give you a behind the scenes point of view!
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    28 分