The FitBUX Podcast

Today we discuss how to obtain true financial  wellness with a challenge. Are you up for it?

9/16/25 • 12:54

Tune in to the FitBUX podcast for a deep dive into all things finance, from mastering personal finance to skillfully paying off loans. This episode puts entrepreneurship in the spotlight, offering business advice and practical tips for effective money management. Learn how to navigate the financial landscape while building your business. Jessica and Andrew Roden discuss their inspirational journey from being health care workers to jumping head first into business. Its a great story of how they took their expertise, saw a problem in the market, and launched Roblox.  

7/31/25 • 25:41

The landmark student loan bill has just become law—and it impacts everyone from future borrowers to current students, and from those paying off debt to those chasing forgiveness under PSLF. In this episode, I'll walk you through: The key dates and deadlines you cannot afford to miss The final components of the bill that will change how you repay Who wins, who needs to pivot, and what steps you should take right now

7/24/25 • 29:25

You show up every day, work your tail off, and still feel like your bank account never reflects your effort. You're not lazy. You're not irresponsible. You've just never been shown how the system quietly pulls money from your future. In this podcast, FitBUX's founder and CFA Charterholder Joseph Reinke reveals 7 silent traps that are draining your wealth—and how to avoid them.  These aren't the typical budgeting tips or hustle-harder hacks. These are the blind spots no one tells you about—until now. In his years of experience, Joseph Reinke has identified that people often make the same money mistakes, keeping them from moving forward, even when they focus on saving and working hard. This podcast breaks down each of these financial obstacles and gives practical tips to fix them, helping viewers with money management and to achieve their financial goals. 🙋‍♂️ Have you fallen into one of these traps? Comment below and share your story. You're not alone—and your breakthrough might help someone else too. Financial Planning Guide: https://www.fitbux.com/financial-guides/

7/9/25 • 09:01

We've helped over 20,000 borrowers manage more than $2.7 billion in student loans and assets—and we're not politicians or lobbyists. We're real experts who've seen the good, the bad, and the absurd. In this episode, two of our FitBUX experts break down what we believe is the real solution to the student loan crisis. We talk through the root of the problem, the blind spots most people (and policymakers) overlook, and the practical fixes that would actually help borrowers—not confuse them more. Whether you're a student, a recent grad, or already in repayment, this discussion will open your eyes to the truth behind the chaos—and what can be done about it. 🎧 Watch now to hear: Why forgiveness programs are only part of the puzzle What we'd change about loan servicing, IDR, and PSLF The economic and behavioral traps no one talks about How technology and education can actually solve this

6/25/25 • 38:58

🚨 This isn't final yet—but it could change everything. Congress is proposing a brand-new student loan repayment plan called IBR RAP—and it's not just a tweak. We're talking about interest forgiveness, a $50 cap on principal reduction, and a repayment structure that flips everything we've known about IDR plans. In this LIVE from YouTube, we'll walk through: ✅ What the proposal actually says (not the headlines) ✅ Real payment examples: $10, $50, $400, and what gets forgiven ✅ Whether this is better or worse than SAVE, PAYE, or IBR ✅ What this means for your loan balance, forgiveness timeline, and financial plan ✅ Why some borrowers are already saying this violates their Master Promissory Note—and could lead to lawsuits ⚠️ If you've ever been told you're locked into PAYE or New IBR, this plan could force you off those repayment options—no grandfathering. That's where the legal firestorm begins. 🎯 Whether you're paying off loans or hoping for forgiveness, this could impact your entire financial strategy. 💬 Drop your questions in the chat—this is your chance to get clarity before anything becomes law. 📌 FitBUX has helped 20,000+ borrowers manage over $2.9 billion in student loans and assets. We're here to simplify the chaos and help you make confident decisions.

5/13/25 • 47:59

What happens when a burnt-out nurse decides to rewrite the rules? In this powerful episode, we sit down with Ebony Tillery, a Brooklyn native turned 7-figure nursepreneur, to unpack the raw, real story behind her transformation—from working grueling bedside shifts to building a thriving virtual weight loss clinic and teaching other NPs to do the same. We dive into: ✅ The breaking point that sparked her leap from burnout to business ✅ Growing up in Brooklyn and breaking free from the expectations that hold so many back ✅ How trauma, divorce, and solo homebuying built unshakable resilience ✅ The biggest fears she faced going virtual—and how she pushed through ✅ What freedom really looks like as a mom and entrepreneur ✅ Why so many nurses stay stuck (and how to break the cycle) ✅ Her journey investing in real estate and crypto—without a financial background ✅ What she tells NPs sitting in their car before a shift, feeling hopeless Whether you're just starting out, stuck in burnout, or dreaming of something more—Ebony's story proves you don't need permission to build a life on your terms. You just need a plan, belief, and one small step.

5/12/25 • 34:18

🎓 Why does it cost so much to become a DPT—and what can we do about it? In this episode, I sit down with Dr. Richard Severin, DPT, to explore the growing cost of physical therapy education. We take a deep dive into: 📉 Application trends and what they reveal 🏫 Public vs. private DPT programs 💡 Creative (and realistic) ways to fix the system Whether you're a current PT student, a new grad, or just considering the profession—this is a must-watch.

5/3/25 • 46:53

The house education and workforce committee rolled out its plan for higher education and student loans today. It has a LONG way to become law but I've seen people freaking out all over social media about it... which is ironic because there is a lot of good stuff in it that in my opinion is way better than the current plans. I usually don't do any content on this type of stuff until it becomes law. However, because of the mass hysteria I've seen today, I'm going to jump on a live in about 5 minutes. I'll be discussing what is in it, what is good, what is bad, and WHO IT WILL APPLY TO... Need financial help? Be sure to become a member at https://www.fitbux.com

5/1/25 • 20:42

What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit status comes under fire Are these real threats or just headlines. Whether you're chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic. We'll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it's too late Oh and by the way, I also touch on tariffs....

4/24/25 • 39:35

Running a business in the allied health space comes with its fair share of challenges. But what if there was a way to streamline your operations, save time, and cut costs? In this episode, we sit down with a team member from Jane App to dive into how their software is making life easier for business owners like you. We cover: ✅ The history of Jane App and its mission  ✅ How it simplifies scheduling, billing, and documentation ✅ Why PTs and other allied health professionals love it ✅ How its features help you save time and money 🔗 Want to get to know Jane a little better? Check out Jane App here  📅 Book a demo and chat with their team: Book a Demo 🚀 Ready to jump in? Get a 1-month grace period on your new Jane App account using the code FITBUX. If you're a PT or allied health professional looking for a better way to manage your practice, this is a must-watch!

4/1/25 • 22:55

👉 The stock market looks dangerously overvalued — and it's not just the S&P 500. Since 2008, the market has been propped up by low interest rates and Fed intervention… but now the cracks are starting to show. In this live video, we'll break down: ✅ The S&P 500's PE ratio — why it's flashing warning signs  ✅ How the Fed's latest moves could push the market over the edge ✅ The truth about tariffs, housing affordability, and why it's all connected If you're wondering whether we're on the edge of a major crash — or even a full-blown economic disaster — you won't want to miss this.  

3/24/25 • 13:17

In this episode, FitBUX founder Joseph Reinke sits down with Karen Litzy, a self-employed healthcare entrepreneur and host of one of the largest podcasts in the industry. Karen shares her journey from clinician to business owner, breaking down the ups and downs of running a healthcare business, the lessons she's learned, and the strategies that have fueled her success. She also reveals the technologies and services she uses to streamline her operations, the biggest challenges she's faced, and her best advice for healthcare professionals looking to grow their own business or brand. Whether you're a healthcare provider, entrepreneur, or someone looking to scale a service-based business, this episode is packed with real-world insights you can apply today.

3/17/25 • 44:40

In this episode, Josh Mettle from Neo Home Loans and Joseph Reinke, CFA, team up to answer your biggest questions about buying a home in today's market. Whether you're wondering about mortgage options, how to qualify, or what current trends mean for you — we've got you covered. Here's what we discuss: ✅ Current housing market trends and what they mean for buyers ✅ Professional mortgage loans – are they the right fit for you? ✅ FHA loans – who qualifies and how they work ✅ Qualifying for a mortgage while your student loans are in forbearance ✅ Proven tips to boost your chances of getting approved 👉 Don't miss this chance to get expert advice and feel confident about your next steps toward homeownership. 🎯 Book a consultation with Neo Home Loans: https://www.medicalprofessionalhomeloans.com/neofitbux/

3/12/25 • 31:29

Last night, I went live to break down the latest developments in student loans, and trust me, there's a lot happening. First, we discussed the IDR injunction—why it's blocking all applications, what it means for borrowers, and what to expect next. Then, we dove into the budget reconciliation bill, which includes some major student loan changes that could impact repayment plans, forgiveness programs, and more. But here's the real question: What are the chances these changes actually pass? If you have student loans, you don't want to miss this episode. Tune in now to stay ahead of the game and make informed decisions about your financial future! If you need help with your finances, we'd love to help you find financial peace of mind. Be sure to become a Member of FitBUX today.  

3/4/25 • 33:50

Student loans are a disaster. New rules, endless changes, and lawsuits have turned an already complex system into total chaos. And while YouTube is packed with 20-minute videos on how to "game the system," most of those strategies sound great in theory but fall apart in real life. But here's the real takeaway from all this… Millionaires don't overcomplicate money. They follow one key principle that keeps their finances simple, stress-free, and growing. In this episode, I break down: ✔️ How the student loan mess exposed a critical wealth-building lesson ✔️ Why overcomplicating money leads to stress, bad decisions, and wasted time ✔️ The financial mindset and system that millionaires use to stay ahead 🎯 Want to simplify your finances and build wealth without the stress? Download our free financial guides here 📍 Need help with your student loans or financial plan? Schedule a free call with FitBUX 📩 Have questions? Send them in, and we might answer them on the next episode! 🔔 If you found this episode valuable, be sure to follow, rate, and share it with someone who needs to hear this!

3/3/25 • 06:41

🎙️ The Truth About Student Loan Consolidation – What They're Not Telling You! "I just spoke to my loan servicer, and they said I should consolidate my federal loans…" I see emails like this all the time. Loan servicers push consolidation like it's the magic fix for lowering payments, saving money, or getting a better interest rate. But here's the truth—that's all a myth. And if you consolidate at the wrong time, it could cost you thousands. In this episode, I'm breaking down: ✅ What consolidation actually does (and what it doesn't) ❌ When consolidating your loans is a huge mistake 💰 Who should consider consolidation—and who absolutely shouldn't 🔑 The one strategy that actually saves you money: refinancing By the end of this episode, you'll know exactly how to make the right move for your student loans—and avoid costly mistakes. Need help. Join FitBUX and leave your financial stress behind.

3/3/25 • 06:53

Thinking about switching to 1099 work? It sounds great—more flexibility, higher pay, and tax write-offs. But is it actually worth it? In this episode, we break down everything you need to know about 1099 vs. W-2 income so you don't leave money on the table. We'll cover: 🔹 1099 vs. W-2: Which one is better for you? (Hidden costs most people overlook) 🔹 How much more do you really need to make as a contractor to come out ahead? (The break-even math that might shock you) 🔹 How to maximize 1099 income with real-world strategies (Case study: How one professional made an extra $80K by making the switch) 📌 Thinking about going 1099? Before you make the leap, listen to this episode—it could save you thousands.   Need help with financial management, become a member at https://www.fitbux.com

3/3/25 • 14:49

Dr. Disrespect didn't just become one of the biggest gaming personalities overnight—he built a character that led to his financial success. But here's the secret: you can do the same. In this episode, we break down how consciously shaping your persona, habits, and mindset can unlock financial freedom and long-term success. Most people build their character unconsciously, leading to financial struggles. But when you take control, everything changes. Whether you're in healthcare, business, or any profession, the principles remain the same. 🔹 How does your character impact your wealth? 🔹 Why do athletes and military professionals struggle after retirement? 🔹 How can you consciously craft a character that attracts financial success? 💡 Start shaping your financial future today! Sign up at FitBUX.com and take control of your money. 🎧 Listen now and start leveling up your life! 🚀

2/26/25 • 13:50

💰 Student loans, PSLF, repayment plans, investing – there's a lot to unpack, and it's hard to know where to start. 🚨 The student loan landscape is changing – PSLF, repayment options, and other major shifts could cost you thousands if you're not prepared. Whether you're trying to navigate repayment, maximize PSLF, or figure out your investment options, this LIVE Q&A with a financial expert is your chance to get real answers to your biggest money questions.  This episode is the audio version of our Youtube live this past week.  We dove deep into how we got here with student loans, irony of IBR, is non-profit status going away for hospitals, what happens if the DOE goes away, and much more. If you need help managing your finances be sure to sign up at https://www.fitbux.com.

2/25/25 • 58:02

The student loan landscape is a mess, and if you're feeling overwhelmed, you're not alone. In this episode, we break down the latest on IBR, PAYE, and SAVE—what's changing, what's staying the same, and what you need to do now. We also tackle the growing rumors around PSLF, set the record straight on how President Biden actually did succeed in delivering $25K in loan forgiveness (even if it wasn't the way people expected), and clear up some common Roth IRA mistakes that could be costing you big time. If you have student loans, retirement goals, or just want to stay ahead of the financial chaos, this episode is for you. Tune in now! Roth IRA Mistakes video link: https://www.youtube.com/watch?v=aYKF09jz-X8 Protecting Yourself in case PSLF fails: Link Get financial help now. Future you will thank current you. FitBUX Membership

2/3/25 • 18:53

In this episode of the FitBUX Podcast, host Joseph Reinke is joined by Josh Mettle from Neo Home Loans to dive into the biggest questions surrounding the 2025 housing market. They reflect on 2024's surprising trends—like rising home prices despite 7-8% mortgage rates—and look ahead to what's next for buyers, investors, and homeowners. Key topics include: Why home prices remained resilient in 2024 Where mortgage rates are headed and their impact on affordability How millennials and Gen Z are shaping housing demand The ongoing challenges with housing supply and new construction Predictions for home price appreciation in 2025 Whether you're planning to buy, sell, or invest, this episode will help you understand the market dynamics and make smarter financial decisions. Resources Mentioned: Learn more about FitBUX financial planning: www.fitbux.com

12/17/24 • 58:26

The CFPB has uncovered shocking errors in student loans, costing borrowers an average of $14,000 each. In this episode, we dive into the most common mistakes—like incorrect payment amounts, auto-pay errors, and misapplied funds—and explain how you can avoid falling victim. With insights from helping young professionals manage over $2 billion in student loans, we'll share actionable tips to save you time, money, and stress. Whether you're repaying loans or pursuing forgiveness, this episode is packed with strategies you can't afford to miss. 🎙️ Tune in and take control of your student loans today! Let me know if you'd like further adjustments! Get financial management help at https://www.fitbux.com  

11/30/24 • 09:01

NP Salary Negotiations are a crucial skill for new Nurse Practitioners looking to maximize their income and set themselves up for long-term success. In this podcast, we'll dive into strategies that can help you earn $200k+ by thinking like a consultant, not just an employee. From understanding employer dynamics to using leverage effectively, these tips are designed to empower you in salary discussions. Whether you're just starting your Nurse Practitioner career or looking to improve your negotiation skills, this video is packed with actionable advice to help you secure the salary you deserve. Watch now and take control of your financial future!

11/26/24 • 14:02

Are you a student or new grad nurse practitioner navigating your first big career decisions? This podcast is packed with essential advice to help you succeed as an NP. From finding preceptors and avoiding costly mistakes with W-2 vs. 1099 income, to navigating student loans, retirement benefits, and even buying your first home—this guide covers it all. Learn why 23% of nurse practitioners leave their first job within two years and how to avoid being part of that statistic. Whether you're just starting out or considering a job switch, this video is your roadmap to financial and professional success as an NP. 📌 Podcast Includes: - Finding preceptors and why it matters - Avoiding loan and job mistakes - W-2 vs. 1099 income as a nurse practitioner - Student loan repayment and retirement strategies - Buying your first home and what to know -*-*- USEFUL LINKS -*-*- * https://www.fitbux.com * https://www.fitbux.com/student-loan-planner/ * https://www.nphub.com/ * https://www.fitbux.com/articles/independent-contractor/ * https://www.medicalprofessionalhomeloans.com/neofitbux

11/21/24 • 33:53

Are hidden wealth killers silently draining your finances? In this episode, we uncover two of the biggest financial mistakes that are costing people tens of thousands—if not hundreds of thousands—over their lifetime. We'll discuss why reactive financial management, like focusing only on student loans or getting a mortgage in isolation, can lead to costly decisions. Plus, we'll share how inefficient budgeting tools are wasting time and money. But don't worry—there's a solution. Learn how adaptive financial management can help you avoid these mistakes, take control of your finances, and save for the future. Links & Resources: Learn more about FitBUX: https://www.fitbux.com Blog Version of this article: https://www.fitbux.com/articles/two-wealth-killers/ Video Version: https://youtu.be/JgA1gqpMqC8  

11/19/24 • 06:17

Feeling overwhelmed by financial stress? Many people follow a financial management plan for years only to realize they're nowhere near their goals. In this poscast, we'll show you how to eliminate that stress and gain peace of mind with our 5-step system called Adaptive Financial Management. You'll learn: ✅ How to organize your finances to make smarter decisions.  ✅ Why focusing on one goal at a time is the key to success. ✅ How to simulate your financial plan so you know it works. ✅ The right way to choose and use financial products. ✅ How to track and adjust your plan to stay on course. Don't let financial stress hold you back any longer. Discover how Adaptive Financial Management can help you build a plan that adapts to life's changes and keeps you on track for long-term success. 👉 Ready to get started? Sign up with FitBUX today and take control of your financial future.  

11/14/24 • 09:58

The recent election has brought major changes to Washington, and with Trump back in office, the future of student loans is once again in the spotlight. What will these shifts mean for borrowers in 2025? In this podcast, we'll cover: The potential impact on Public Service Loan Forgiveness (PSLF) and the SAVE plan. Key updates around income-driven repayment plans like PAYE and ICR Whether borrowers who recently had loans forgiven could be impacted. What Trump's past proposals may mean for future repayment plans Actionable steps you can take today to prepare for possible changes.  If you're a borrower, you won't want to miss these insights. Understanding what's on the horizon can help you make informed decisions about your financial future. 👀 Ready to dive in? Click play to get the full breakdown! And remember, managing student loans is just one part of a complete financial plan. If you're looking for a tailored approach, consider becoming a FitBUX member to connect with a financial expert today. https://www.fitbux.com https://www.fitbux.com/podcast/ https://www.fitbux.com/student-loan-refinance/ https://www.fitbux.com/student-loan-planner/ -*-*- S O C I A L S -*-*- * Facebook: @FitBUXFinanceGroup  Instagram: instagram.com/fitbuxofficial  LinkedIn: https://www.linkedin.com/company/fitbux

11/11/24 • 11:27

SAVE was brought to court to stop it. However, todays hearing implies there are major changes coming to PAYE as well. Student loan forgiveness may not be taking place for a number of plans. Be sure to listen to this update if you are currently on an income-driven repayment plan. Get Expert Student Loan Help: https://www.fitbux.com/student-loan-planner/ -*-*- USEFUL LINKS -*-*- https://www.fitbux.com https://www.fitbux.com/podcast/ https://www.fitbux.com/student-loan-refinance/ https://www.fitbux.com/student-loan-planner/

10/24/24 • 08:02

Are you sure you're on the right path with your student loan repayment? In this podcast, Joseph Reinke, CFA breaks down everything you need to know to make the best financial decision for your student loans. Whether you're just starting repayment or already a few years in, this expert checklist from FitBUX will guide you through every step, ensuring you avoid costly mistakes and maximize your financial future. We cover key topics like: Choosing the right repayment strategy for your goals Understanding the impact of student loans on major life decisions like buying a house or retirement planning Income-Driven Repayment (IDR) and Public Service Loan Forgiveness (PSLF) The importance of building a comprehensive financial plan to save thousands Get expert student loan help at: https://www.fitbux.com/student-loan-planner/

10/10/24 • 09:12