In this episode of Drip Trickle Flow Flood, Melissa and Tony chat with Nikki Naab-Levy, a strength and nutrition coach who’s lived many business lives.

We dive deep into Nikki’s multi-income stream mindset, her no-BS approach to nutrition, the hilarious (and shocking!) story of her first ever fitness class, and how she’s built a career by following her curiosity.

Check out Nikki’s website: https://naablevy.com/

Listen to Nikki’s podcast: https://naablevy.com/podcast/

Follow Nikki on Instagram: https://www.instagram.com/naablevyfitness/

Episode Highlights:

• How Nikki accidentally launched her fitness career when her Pilates instructor literally ran off
• How she phased out old offers while creating new income streams
• How she expanded beyond in-person fitness
• Why your financial base matters more than the perfect funnel
• Outsourcing vs. DIY: Nikki’s hilarious take on why she happily pays her accountant to “make the problem go away”

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, Melissa and Tony dive into a recent Ramsey Show clip. A caller bought an $11,000 engagement ring using a 0% interest credit card, even though he had the cash to pay outright. Dave called it dumb. We call it smart, depending on the situation. This episode explores when debt is a dangerous trap, and when it might actually be a savvy tool for building wealth.

You’ll hear:

• Why Dave Ramsey’s one-size-fits-all debt advice might not work for everyone
• How to decide if using debt makes financial sense in your situation
• Melissa and Tony’s personal experiences with “good debt”
• The difference between emotional spending and strategic debt
• Why financial decisions should be based on math, not shame
• Ideas for building your own finance discussion group to reduce stigma and grow smarter together

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, Tony and Melissa dive into the concept of 240 paychecks—the number of monthly paychecks you’d need to sustain a 20-year retirement—and why that number is both a helpful benchmark and wildly outdated. From IP to pickleball, they explore the many ways you can start generating income before 65 and what it really means to design a work-optional lifestyle now.

You’ll hear:

• Why retirement shouldn’t be your finish line—and how to plan for freedom earlier
• What “240 paychecks” really means, and how to build your own version
• Traditional vs. untraditional income streams: pensions, annuities, real estate, IP, side gigs & more
• How inflation, longevity, and lifestyle choices affect your financial plan
• Personal stories from Melissa and Tony about how they’re designing their post-50 lives—featuring pickleball, van life, bookshops, and dance fitness
• Why “work-optional” is the new retirement

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.