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.

In this episode of Drip Trickle Flow Flood, we sit down with business growth consultant Brian Hardy, who joins us from his new home in Portugal. Brian shares how his curiosity and courage led him to launch multiple businesses, including home flipping, franchising, and a coffee brand, before finding his sweet spot in marketing systems and consulting. From flipping century-old houses in Maine to building a remote-friendly business that supports franchisees, Brian breaks down how he’s created a lifestyle that supports freedom, flexibility, and global living.

You’ll learn:

• How Brian tests business ideas quickly (and isn’t afraid to fail fast)
• The difference between solo entrepreneurship and the franchise model, and the tradeoffs of each
• How he transitioned from flipping homes to consulting with franchisees
• Why LinkedIn is his current favorite tool for B2B lead generation
• The path he took to relocate to Portugal (and why the food and healthcare alone are worth it)
• His #1 tip for building a team and offloading what you hate doing

ABOUT BRIAN:

Brian Hardy is the innovative founder of The Maverick AI, a groundbreaking tool launched in early 2024 that helps businesses connect with missed opportunities to drive more sales. With a diverse background in real estate investing, graphic and web design, marketing, and business strategy, Brian has a knack for turning ideas into thriving ventures.

Before venturing into the world of AI, Brian owned a sign shop, a successful web design firm that won Best in the Northwest five years in a row, a print brokering company, and a home flipping business. His expertise spans multiple industries, making him a versatile consultant and strategist who helps businesses grow through technology.

Brian's journey began as a graphic designer, which evolved into web design and eventually into real estate investing and house flipping. His mission is to help others succeed by enabling them to see what they can't and grow through innovative solutions.

Outside of his professional life, Brian is an avid scuba diver and recently became a Dive Master. He loves to travel and explore the world, always seeking new adventures and experiences.

Connect with Brian for collaborations and explore how The Maverick AI can help your business thrive. Visit www.themaverick.ai or email him at growth@themaverick.ai to connect.

Connect with Brian:

💼 LinkedIn:

https://www.linkedin.com/in/brianghardy/

🌐 Websites:

https://themaverick.ai/

https://demo.themaverick.ai/mavdemo

https://brianhardy.com/

https://agentai.themaverick.ai/voice-agent-ai

https://demo.themaverick.ai/

https://connect.themaverick.ai/

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:

In this episode of Drip Trickle Flow Flood, we sit down with Kali Berg, the co-owner of Wild Hemlock in Anacortes, WA, a charming Pacific Northwest gift shop that’s much more than meets the eye. From rebranding her store to juggling screen printing, knitwear, and knitting classes (all in 1,000 square feet!), Kali walks us through what it really takes to create multiple income streams as a brick-and-mortar entrepreneur.

You’ll hear about how she listens to customers, diversifies offerings, and even rolls tables out of the way to host knitting circles. This one’s a must-listen for anyone thinking of launching a retail or local business.

You’ll hear:

• Why Kali rebranded from Ink & Wool to Wild Hemlock, and how customer confusion led the way
• What it’s actually like running a boutique retail shop in a seasonal tourist town
• How she diversifies her income with screen printing, classes, consignment, and markets
• The boundaries (and lack thereof) of working with your spouse and running a family business
• Her creative approach to space, inventory, and marketing on a tight budget
• What makes Anacortes’s small business community so powerful, and how it keeps her inspired

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:

Wild Hemlock:

https://www.wildhemlockpnw.com/

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, we dive into one of the most debated financial decisions of all time: Should you rent or buy your home?

Spoiler: the answer isn’t one-size-fits-all—and might not be what you expect from a real estate investor.

Tony shares his unfiltered take on the rent vs. buy conversation, revealing why he’s a huge proponent of home ownership… and why he still rents. From building wealth through rentals before ever owning his own home, to using “house hacking” and creative financing, Tony walks us through how renting can be a smart financial move when approached with clarity and strategy.

We also explore the hidden costs of ownership (hello, $2,000 water heater), the emotional weight of buying a home, and how knowing why you're buying is more important than when.

In this episode, we break down:

• Why owning your primary residence isn’t always the best investment
• The real math behind renting vs. buying (including taxes, maintenance, and flexibility)
• How Tony bought investment properties before he could afford to own his own home
• What “house hacking” is and why it’s one of Tony’s favorite wealth-building strategies
• How construction labor shortages and rising repair costs factor into homeownership decisions
• Creative examples of renting out your home while living elsewhere (tiny home, anyone?)

This episode is for:

Anyone asking themselves, “Am I wasting money on rent?” or “Should I wait to buy?” This is the perspective shift you didn’t know you needed.

Links:

Tony’s website: https://tonymoceri.com/

Melissa’s website: https://melissacassera.com/

🎧 Listen in and ask yourself: What are your real goals—and is your housing choice aligned with them?

🌀 Like the episode?

Follow the show, leave a review, and share it with someone who’s stuck between Zillow tabs and Rent.com.

💌 Want more?

Subscribe to our 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, we sit down with real estate investor and broker Anthony Petz for a raw, practical, and inspiring look at what it really takes to build income streams through real estate.

Anthony shares his journey from office supply sales to full-time investor, the mindset shift that helped him walk away from his 9-to-5, and the unglamorous but necessary grind of turning a single rental into a portfolio. From crawl spaces to cold-knocking on homes, Anthony shows that persistence, discomfort, and creative problem-solving are essential to real estate investing.

Whether you’re curious about getting into real estate, wondering if now is even the right time, or stuck trying to make your rentals actually pay, this episode breaks it all down.

In this episode, we dig into:

• Why sales skills and a high tolerance for discomfort give you an edge in real estate investing
• How to start building a real estate portfolio without waiting for “perfect timing”
• The power (and pitfalls) of leverage, seller financing, and creative deal-making
• What makes cash flow more sustainable than chasing flips
• The overlooked emotional and psychological side of entrepreneurship

This episode is for:

Anyone curious about investing in real estate and wondering if it’s still possible in today’s market.

Links:

Anthony’s website: https://petzrealestate.com/

Tony’s website: https://tonymoceri.com/

Melissa’s website: https://melissacassera.com/

Listen in, and ask yourself:

Are you stuck in analysis paralysis… or ready to knock on the next door?

Like the episode?

Follow the show and leave a review. It helps us reach more listeners like you.

Get more drips, trickles, flows, and floods:

Subscribe to our newsletter for ongoing insights and income ideas that match your real life. https://driptrickleflowflood.substack.com/

In this episode of Drip Trickle Flow Flood, we’re diving deep into what it looks like to swirl your passions into a purpose-driven, income-generating business.

Our first guest breaking down her Drip Trickle Flow Flood is Suzzie Vehrs. She’s a birth doula and founder of She Births Bravely, where she supports mothers through education, postpartum care, and personalized services.

Suzzie comes from a finance background and shares how she transitioned into mission-driven work, built a business from scratch, and developed multiple income streams without sacrificing joy, sustainability, or service.

In this episode, we dig into:

• What it means to “swirl” your interests into one integrated business
• How Suzzie built a profitable, purpose-driven business while raising two kids solo
• The reality of entrepreneurship vs. the highlight reels we often see
• Why Suzzie added writing, blog monetization, books, and postpartum services to her offer suite
• How to create flexibility and financial freedom by turning your services into layered income streams
• The emotional and logistical shift from unpaid passion work to building a sustainable business
• How paying your kids through your business can be both legal and smart
• What it looks like to say no to what’s not working—and reinvest in what is

This episode is a must-listen for anyone building a service-based or mission-driven business, and especially for those navigating pivots, pressure, or parenthood along the way.

Guest:

Suzzie Vehrs, founder of She Births Bravely, author of Divine Birth, and postpartum care provider

Website: She Births Bravely

Other links:

Melissa’s SWIRL Effect workbook: https://melissacassera.gumroad.com/l/swirleffect

Tony’s website: https://tonymoceri.com/

Like the episode?

Follow the show and leave a review. It helps us reach more listeners like you.

Get more drips, trickles, flows, and floods:

Subscribe to our newsletter for ongoing insights and income ideas that match your real life.

https://driptrickleflowflood.substack.com/