Wealth Mavericks

You’re making great money, but still not where you want to be financially. Why? In this episode, Erin and Joe reveal the Terra Firma GPS—your Greatest Probability Strategy—for building true wealth. They explain how most high earners are stuck with uncoordinated advice, scattered finances, and no clear roadmap. Learn how to align your goals, simplify your financial life, and accelerate your path to freedom.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Introduction
01:00 The Freedom Roadmap and GP...

This episode is a raw, honest look at the battles and blessings of building Terra Firma from scratch. Erin sits down with founder Bob Wolf to unpack the real story—sleepless nights, leaps of faith, and the unwavering vision that drove him to create something radically different in the financial industry. From learning to lead with humility to building a culture of service, this is the heart behind the mission. If you’re building something big, or you feel called to make an impact, this one will hit home.

Learn how we can help you: https://www.terr...

Many high-income professionals give generously—but few give strategically. In this episode, Erin sits down with Terra Firma founder Bob Wolf to break down smarter ways to structure charitable giving, from business-based donations to donor-advised funds and family foundations. Learn how to align generosity with long-term tax strategy, legacy planning, and intentional impact—without losing sight of the causes that matter most.

Learn how we can help you: https://www.terrafirmaconsultant.com/
Get Your Tax Savings Estimate: https://bit.ly/cfrforms
Subscribe to Bob’s Youtube Channel: https://www.youtube.com/@assetcoachtaxstrategist9468

Chapters
00...

Making great money doesn’t guarantee financial peace. In this episode, Erin and Joe reveal five simple ways to take control of your personal finances in 2026—without guilt, shame, or spreadsheets. From asking better questions to building buckets with purpose, this is the mindset shift high earners need to stop leaking money and start building the life they actually want.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Unlocking Financial Freedom
02:57 Mindset and Intentional Spending
05:48 Pay Yourself First
...

Why does time feel like it’s speeding up as we get older — and what can we do about it? In this first episode of 2026, Erin and Joe dive into a powerful Harvard-backed explanation and share how you can make this year feel more meaningful and memorable. From choosing a word of the year to tackling new experiences, this episode is your permission slip to shake things up, build deeper connection, and take back control of your time.

Jesse Itzler 2026 planning video: https://www.youtube.com/watch?v=38fdOXcsN_g

Learn how we can help you...

High achievers love setting big goals—but rarely stop to reflect on progress. In this short but powerful episode, Erin and Joe hit pause on the hustle to talk about the value of looking back before you charge ahead. Celebrate the wins. Learn from the misses. And set the tone for a more intentional 2026.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Reflecting on the Past Year
02:47 Celebrating Wins and Progress
06:02 Preparing for the New Year

Too many doctors wake up at the end of the year and realize they didn’t do the things that mattered most. In this episode, Erin and Megan break down how to reverse engineer your life by setting clear, non-negotiable priorities — and actually putting them on the calendar. From planning adventures to prioritizing health and family, this is your playbook for living intentionally and creating a life you’re proud of.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Setting Non-Ne...

Most doctors come to Terra Firma for tax savings — but they stay for something much deeper. In this episode, Erin and Joe reveal why coaching is at the heart of our membership and how it transforms more than just your finances. From saving marriages to helping clients reconnect with their purpose, we’re here to help you stop living on autopilot and start building a life that truly matters.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Importance of Coac...

What do you do when life hits hard? In this episode of Wealth Mavericks, Erin and Megan unpack how your mindset shapes your outcomes—even in the darkest seasons. From practical neuroscience to personal stories, you’ll learn how to take back control, reframe your thoughts, and become your own biggest fan. A must-listen for anyone feeling overwhelmed, stuck, or in need of a breakthrough.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters

00:00 Mindset Matters: Navigating Hard...

If you’re a doctor, practice owner, or business leader, this episode is for you. Erin and Joe break down one of the biggest barriers to growth: having the wrong people in the wrong seats. Learn how to use a simple but powerful tool to assess your staff, make better hiring decisions, and stop tolerating mediocrity. If you’ve ever struggled with letting someone go—or wondered how to find great people—this episode will give you the clarity and confidence to lead intentionally.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Are your time and money actually aligned with what you say matters most? In this episode of Wealth Mavericks, Erin and Joe challenge you to pause, reflect, and audit your life as the year ends. Discover simple tools to uncover your true values, eliminate regret, and start making decisions that create lasting fulfillment and freedom. Your calendar and bank account are telling a story—are you ready to rewrite it?

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Living in Al...

In this special behind-the-scenes episode, we introduce you to one of Terra Firma’s trusted partners: Steve Blackwell of InVito Energy. Get a preview of how we evaluate strategic partnerships and why oil & gas can offer powerful tax advantages and long-term wealth potential—especially for doctors looking to diversify beyond the stock market. It’s a peek into how we help members play the game the way the wealthy do.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Episode Intro
02...

What if generosity wasn’t just a virtue — but a strategy for lasting wealth and joy? In this episode, Erin and Joe dive deep into the mindset of giving — not from guilt or obligation, but from abundance. They explore the power of generosity to free you from money stress, build family legacy, and amplify your impact. You’ll hear personal stories, smart tax strategies for charitable giving, and why planning leads to greater freedom to give. This one’s heart-opening and mindset-shifting.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Es...

In this episode, Erin is joined by Terra Firma coach and 20-year Air Force veteran Eric Lescarbeau to talk about the military mindset and how it helps doctors break free from inaction, overwhelm, and overthinking. They explore three key mindset shifts — being decisive, choosing discipline over willpower, and taking ownership of your financial future. 

If you’re tired of overpaying in taxes or waiting for the “right time” to act, this conversation is your wake-up call. Learn how to stop stalling and start building real wealth — one strategic move at a time.

Learn how we can help yo...

Mental health, burnout, disengagement—your team brings more than skills to work every day. In this powerful episode, Erin sits down with Lori Lara—mental health expert, corporate trainer, and martial arts black belt—to reveal what your employees are really battling and what you, the practice owner, can do about it. 

From setting the tone as a leader to practical ways to help your team thrive, this conversation will challenge and equip you to build a practice that performs—and cares.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Changing the financial industry isn’t easy—and we never expected it to be. In this episode, Erin and Joe pull back the curtain on the mission behind Terra Firma and what it takes to build something truly different for doctors.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

What separates the doctors who thrive from those who just coast? In this episode, Erin and Joe unpack the five key qualities shared by their most successful members—traits that lead to bigger tax savings, faster progress, and greater impact. Whether you’re a current member or just considering your next financial move, this conversation will help you reflect on how to get the most out of the journey.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms 

The information in these videos is fo...

Warren Buffett is the Master of Capital—but how does he do it? In this episode, we break down Buffett’s investment strategy, how Berkshire Hathaway operates like a private mutual fund, and the secret sauce behind his wealth-building formula.

Learn how he uses cash to generate more cash and why patience is the ultimate competitive advantage. Don’t miss this deep dive into Buffett’s blueprint for generational wealth!

Subscribe to Bob’s Asset Coach & Tax Strategist Youtube channel: https://www.youtube.com/@assetcoachtaxstrategist9468

Learn how we can help you: https://www.terrafirma...

Another tax season, another $100K+ gone—and most doctors just move on. But what if you zoomed out and saw the lifetime impact of that overpayment? Erin and Joe dig deep into why smart, high-earning doctors must shift their mindset. This isn’t just about tax strategy—it’s about legacy, stewardship, and what’s possible when you stop leaving money on the table.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Burden of Overpaying Taxes
03:03 Changing the Mindse...

Is your business truly active in the eyes of the IRS? Most doctors misunderstand material participation. In this episode, Erin and Bob unpack what it means to prove you’re running a real business, how to avoid common real estate pitfalls, and why smart documentation is your best tax strategy. Learn how Terra Firma helps you build “the business of you” and legally optimize your taxes - without fear.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Intro
01:12 Unders...

What’s your number? In this episode, we break down the concept of the "Freedom Point"—that moment when work becomes optional and your assets cover your ideal lifestyle. Joe and Erin discuss how to reverse-engineer the number, navigate legacy planning, and avoid the trap of burnout without purpose. Whether you’re at the beginning of your journey or wondering if you’ve already arrived, this episode will challenge you to define what “enough” really looks like.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform...

Can you grow your wealth without sacrificing your life? In this episode, Erin and Joe unpack the tension between career ambition and true freedom. Discover how the 5 Tens framework helps doctors stay aligned with their values while still pursuing big goals. Whether you're chasing more or learning to say no, this conversation is your reminder: you can build wealth and live well.
 
Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Navigating Work-Life Balance
05:12 Understanding Values and Goals
10:01 L...

What do you do when a team member goes rogue and your reputation takes a hit? In this candid episode, Erin and Joe share the behind-the-scenes story of a recent mistake, how it unfolded, and what they did next. Learn five clear steps for turning a painful leadership moment into a powerful opportunity for growth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

To watch this episode on youtube: https://www.youtube.com/watch?v=6bbasP19evA

Chapters
00:00 Introduction to Team Dynamics and Challenges
04:52 The Rogue Team Member Incident<...

Doctors, don’t wait until it’s too late. In this episode, estate attorney Ciara Lister joins us to break down why a living trust matters, the costly mistakes to avoid, and how you can protect your kids, assets, and legacy—without paying $10K to do it. It’s easier than you think.

 Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

Fitness is often the first thing to fall off for busy doctors—but it’s also the one thing that unlocks energy, longevity, and joy in every other part of life. In this episode, we talk mindset shifts, simple habits, and real-life doctor stories that prove you can make fitness fun, sustainable, and part of your 10/10 life.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fina...

Most doctors don’t understand the difference between marginal and effective tax rates — and it’s costing them thousands. In this episode, we break down how the progressive tax system really works, how to avoid overpaying, and why your CPA might be missing critical strategies. If you’re earning more but keeping less, this is the tax talk you didn’t know you needed.

Learn how we can help you: https://www.terrafirmaconsultant.com/

 The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial a...

Most doctors are sitting on hundreds of thousands in home equity—and doing nothing with it. In this episode of Wealth Mavericks, Erin and Bob break down how to use HELOCs strategically to create more wealth, not more debt. From funding investments to tax-smart planning, this is the mindset shift most high earners need.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fi...

Are you running on fumes? In this episode of Wealth Mavericks, we unpack why so many high-performing doctors are living in chaos—and how to reclaim peace through the power of margin. Erin, Bob, and Joe explore practical ways to create space in your time, finances, and relationships, so you can live on purpose, not by default. If you're feeling stretched too thin, this conversation is the reset you need.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Chapters
00:00 – From Chaos to Peace: The Power of Margin
02:04 – The 5Tens Lifest...

Are 529 plans really the smartest way to save for your child's education—or are there better tools for high-income families? In this episode, Erin and Bob Wolf break down how 529s work, where they fall short, and why flexibility and wealth strategy matter more than cookie-cutter advice. Learn how to plan for your kids' future while building true generational wealth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items ma...

This week on Wealth Mavericks, we break down where doctors should actually keep their money. Bob shares the powerful “3Ds” of tax-efficient wealth—deductions, depreciation, and distribution—and why the wealthy don’t park cash in savings. If you're sitting on a pile of money "just in case," this episode will change how you think. Learn how to put your dollars to work and build real long-term value.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, le...

In this special Wealth Mavericks episode, Erin and Joe sit down with Todd Dathe, whose story is proof that getting clear about what you want—and taking action—can transform your life. From feeling unworthy of big goals to buying his own plane almost to the day he predicted, Todd shares how defining his vision unlocked a new level of freedom, time, and purpose. If you’ve ever wondered whether you can build a life you love, this conversation will show you what’s possible.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The info...

In this episode of Wealth Mavericks, Erin and Joe speak directly to practice owners who feel overwhelmed, alone, and buried by the weight of running their business. They discuss how Terra Firma supports doctors at a deeper level — helping them boost profitability, build stronger teams, and even prepare for a successful exit. If you’re a doctor with a practice, you don’t have to do this alone.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be...

Dr. Nate Schneider went from chiropractor to anesthesiologist—and now he’s building serious wealth as a Terra Firma member. In this episode, Nate shares the mindset behind his bold career pivot, how he avoids burnout, his favorite health habits, and what freedom really looks like when you take control of your time and money.

Chapters:
00:00 – From Chiropractor to Anesthesiologist
02:30 – Making a Bold Career Pivot
05:00 – Overcoming Fear & Taking the Leap
07:30 – Staying Healthy & Avoiding Burnout
11:00 – Discovering Terra Firma & Taking Action
15:00 – Defining Financial Freedom & Wealth Goals
20:00 – Living the Five Tens Lifestyle

Most doctors don’t realize what’s possible with strategic tax planning — until they see the results. In this episode, Erin and Joe walk through real tax returns and reveal how Terra Firma clients are saving six figures in taxes. From the discovery process to the final refund, you’ll see how clarity replaces confusion and strategy replaces stress.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Chapters
 00:00 – Intro: Real Tax Results
 01:00 – Discovery vs. Actual Returns
 04:30 – $176K Saved: Client Example
 06:00 – Joe’s Tax Journey Before Terra Firma
 09:40 – Teaching the Next Generation
 ...

In this episode, we tackle the 5 most common tax planning misconceptions doctors face — and how they're keeping you from building real wealth. We break down why W-2 earners can still save big on taxes, why this isn't "too good to be true," why audit fears are often overblown, and why trying to do it all yourself may be costing you much more than you realize. If you're ready to break free from the limiting beliefs holding back your finances, this one's for you.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in...

In this episode of Wealth Mavericks, Erin sits down with Dr. Subrat Khanal, a pulmonary and critical care physician, to discuss how he and his wife intentionally balance thriving medical careers, raising a family, building wealth, and prioritizing health. From developing financial freedom to mastering daily habits for longevity, Dr. Khanal shares practical insights on how to live intentionally and avoid burnout, even in high-stress professions.

If you're a doctor seeking more time, freedom, and wealth, this one’s for you!

 Learn how we can help you: https://www.terrafirmaconsultant.com/

The...

Most doctors don’t realize what their bills actually cost once taxes are factored in. A $5,000 mortgage? That’s nearly $8,000 in earned income if you're in a high tax bracket. In this episode, we unpack how taxes impact your everyday expenses—and what you can do to flip the equation. From thinking like a business owner to reworking your cash flow, we’re showing you how to reclaim your dollars and accelerate your wealth.

Email us the word "clarity"  and we’ll send you our full roadmap showing how to unlock your biggest financial questions. support@ter...

If you're a practice owner feeling frustrated with your staff—this episode is for you. We hear it all the time: team members falling short, complacency creeping in, and that dangerous "not my job" attitude. In this powerful conversation, we unpack why it all starts with you, the leader. From establishing clear expectations and core values, to hiring the right people and truly knowing your team, we lay out a practical roadmap for building a thriving, high-performance culture. 

Whether you’re facing resentment, burnout, or just want to elevate your practice, this episode will help you lead with...

Filing an extension isn't a sign of being behind — it's a strategic move that gives high-earning doctors more peace and fewer mistakes. In this episode, Erin and Bob explain why extensions are standard at Terra Firma, how they help prevent costly errors, and why shifting your mindset around tax time is key to thinking like a business owner.  

Whether you're waiting on K-1s or just new to the process, this conversation brings clarity and calm to tax season.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in th...

In this episode, we explore the emotional side of financial decision-making—the part no spreadsheet can measure. From the desire to be debt-free to the fear of letting go of cash savings, emotions often shape our money moves more than logic. We dive into how feelings like security, guilt, and joy play into major decisions like paying off a mortgage or building wealth. If you’ve ever felt stuck between what makes sense and what feels right, this conversation is for you.

Learn how we can help you / book a call: https://www.terrafirmaconsultant.com/ 

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