→ Why your brain is wired to crave instant rewards (and how to retrain it)

→ The real cost of “quick comfort”, in time, focus, and money

→ 3 practical tools to break the cycle: The 10-Minute Rule, mindful consumption, and vision anchoring

→ How to balance joy today with peace of mind tomorrow

→ A healthier approach to discipline that still leaves room for fun

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

If your money could work for you while you sleep, would you let it?



In this episode, you’ll learn how to start investing, even if you’ve never bought a single stock or still think you’re “bad with money.” This is your beginner-friendly roadmap to build wealth confidently, one simple, personal step at a time.

What You’ll Learn / Highlights

→ Why saving alone rarely builds wealth, and how compounding does (investing for beginners)

→ Which account to use first (401(k) match), and when to choose Roth IRA, Traditional IRA, or a brokerage

→ The owner mindset vs. trader mindset—why “own great companies” wins long term

→ Common rookie mistakes (chasing hot sectors) and how to avoid panic during volatility

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Want to retire together on your timeline and still build generational wealth? This episode breaks down a real couple’s plan, cars, handbags, pension choices, and all, to show exactly what works. For professionals who earn well but want a coordinated retirement plan that actually lasts.

What You’ll Learn / Highlights

→ The simple math behind a 7-year retirement target, and why “savings only” falls short.

→ How to shift from high-yield saving to true ownership (investing with purpose vs “dabbling”).

→ The hidden risk of single-life pension choices and how to protect a younger spouse.

→ Why estate documents (will/trust) are step zero for generational wealth.

→ The “protection stack” that makes a plan self-completing (life, DI, LTC)

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Financial stress isn’t “just in your head”, it’s your brain doing ancient survival work in a modern money world. In this episode, biologist and author Dr. Rebecca Heiss breaks down the science of financial stress and how to retrain your mind for calmer, smarter decisions. For anyone who’s ever felt that knot-in-your-stomach money moment, this one’s for you.

What You’ll Learn / Highlights

→ Why your brain treats money threats like physical danger (and how to disarm it)

→ The stress loop: signs you’re stuck in fight/flight with your finances—and how to break it

→ Practical “retrain the brain” habits for calmer spending, saving, and investing

→ How social/media comparison (FOMO + “keeping up with the Joneses”) hijacks decisions

→ A simple language shift to stop “should-ing” on yourself and reduce money shame

→ Why human nature is a failed investor, and how to outsmart it with process

→ Dr. Heiss’s personal aha: living for today while planning for tomorrow (kids, legacy, future)

If this helped you, please like, subscribe, and leave a review. It helps more people make their money, and their legacy, personal.



Brought to you by Mutual of Omaha Advisors: It’s your money, your plan, your future.

Connect with Dr. Rebecca Heiss:

→ www.rebeccaheiss.com

→ instagram.com/drrebeccaheiss

→ twitter.com/drrebeccaheiss

→ facebook.com/drrebeccaheiss

→ linkedin.com/in/rebeccaheiss

→ fearlessmasterclass.com

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

How Do Lower Interest Rates Actually Affect You?



Ever heard the news say, “The Fed cut rates,” and wondered what that means for your everyday life? This episode breaks it all down, no jargon, no confusion, just real talk about how the Federal Reserve’s decisions affect your mortgage, credit cards, and even your savings account.

In Episode 45 of the Make It Personal Podcast, we dive into what “Fed loosening” actually looks like on the ground. From cheaper home loans to smaller credit card bills, and yes, even changes to your rent, we’ll walk you through what to expect and how to take advantage. Whether you're buying your first home, tackling credit card debt, or trying to grow your savings, this episode helps you turn a headline into a helpful next step.

Here’s what you’ll learn:

→Why adjustable-rate mortgage holders should pay close attention to Fed moves

→How renters might benefit in the long run when rates go down

→The one downside to falling rates, and how to offset it

→Three practical financial moves you can make this week

→How even small rate changes can lead to big savings over time

"Even a quarter-percent drop in rates could mean dinner out with the family, or a weekend getaway. That’s real money, real fast." - Mark Zagurski

Ready to act? Start by reviewing your debts, comparing mortgage offers, and checking if your savings could earn more elsewhere. Then share this episode with a friend who needs to hear it. Subscribe, leave a review, and visit makeitpersonalpodcast.com for more tools to make your money, and your legacy, personal.

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the secret to becoming a millionaire has nothing to do with luck, and everything to do with daily, quiet decisions?

Here’s the truth: most millionaires don’t look like the ones you see on social media. No flashy sports cars, no massive mansions, and no viral success stories. About 80% of millionaires are self-made, and they’ve built wealth by following simple, repeatable habits that anyone can start today.

In this episode of Make It Personal, we’re diving deep into the real routines and mindsets of everyday millionaires. From driving modest cars to avoiding debt like the plague, these habits might seem boring, but they work. And the best part? You don’t need a six-figure income to get started.

We’ll explore the power of small, consistent actions: budgeting that brings freedom, saving for opportunity, not just emergencies, and protecting your time like the valuable asset it is. Whether it’s starting a side hustle or reading 30 minutes each morning, these habits compound in surprising ways.

5 Key Takeaways:

→Wealth is built on consistency, not charisma.→Most millionaires avoid debt and live below their means.

→A budget isn’t a restriction—it’s a roadmap to freedom.

→Investing in yourself pays the biggest dividends.

→Delayed gratification is a superpower worth mastering.

“Your fortune isn’t built in a day. It’s built daily.” - Mark Zagurski

If you’re ready to take control of your financial future, start with just one habit. And don’t do it alone, schedule a free consultation at www.makeitpersonalpodcast.com. Subscribe, leave a review, and share this episode with someone who’s ready to build a quiet legacy of wealth.

Make it personal- it’s your money, your plan, your future.

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is your legacy something you’re building... or something you’re hoping will just happen?

Most people say they want to leave a legacy. But here’s the hard truth: nearly 70% never take steps to define what that means for them, or put a plan in place to make it happen. In this episode of Make It Personal, we’re challenging the narrow idea that legacy is just about money. Because when you pause and ask, “What do I want to be remembered for?”, the answer usually isn’t a dollar amount. It’s impact.

We’ll walk through real-life stories that show how ordinary people are building extraordinary legacies, from a teacher funding her favorite animal shelter, to a couple supporting their church while securing their retirement. Whether you’re mid-career, facing retirement, or simply reflecting on the next chapter of your life, this conversation will help you take meaningful steps toward a legacy that reflects your values, not just your bank account.

Here’s what you’ll learn:

→Why legacy isn’t just financial, it’s personal and emotional

→How to identify the causes and values that define your legacy

→Practical tools like Donor-Advised Funds and Charitable Remainder Trusts

→How to align your estate plan with your long-term impact goals

→The ripple effect of sharing your giving story with your family

"Legacy isn’t just what you give, it’s what you stand for." - Mark Zagurski

This week’s challenge: Take five minutes to write down one cause that speaks to your heart, and one simple way you can support it. Because your legacy starts with your next intentional step.

Like what you heard? Subscribe, share, and leave a review. Then visit makeitpersonalpodcast.com to download free resources or connect with an advisor who can help you build a legacy with purpose.

Connect with Mutual of Omaha Advisors through the following links:

→ Download The Game of the Decade eBook

→ Download the Seven Principles eBook

→ Instagram

→ Facebook - Mutual of Omaha Advisors

→ Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.