Up Your Average
Up Your Average is the “no nonsense” podcast made for interesting people who think differently. Learn to navigate your life with unconventional wisdom by tuning in to Keith Tyner and Doug Shrieve every week.
73: Build Unshakable Self-Confidence in 8 Weeks with Steve Haines
What if your self-confidence could increase 60–70% in just eight weeks?
In this episode, Caleb and Libbi take a deep dive into the Dale Carnegie Course with Steve Haines to learn why high performers continue investing in personal development decades after achieving financial success.
Self-confidence isn’t personality—it’s a skill. We explore how structured training improves communication clarity, reduces stress by up to 50%, strengthens leadership presence, and deepens relational awareness. For families managing careers, investments, and legacy planning, those soft skills often determine long-term outcomes more than raw intellig...
72: How to Enjoy Retirement Without Running Out of Money
How do you retire without anxiety? For high-net-worth families, retirement planning isn’t just about growing wealth—it’s about spending it wisely and confidently.
In this episode of the Up Your Average, Keith and Doug unpack one of the most overlooked transitions in financial life: shifting from saving mode to spending mode. If you’ve built over $500,000 in investable assets, the question is no longer “Can I grow this?” but “Can I enjoy this—without running out?”
We explore:
The psychology of the spender vs saverWhy flatlining your wealth at 65...71: How AI Can Fix Your Cash Flow (Before Lifestyle Creep Wins)
Artificial intelligence is everywhere. But can AI actually help improve your cash flow, or is it just another shiny distraction? In this episode, Doug breaks down how artificial intelligence tools can be used practically to bring clarity, discipline, and efficiency to your cash flow, especially for families navigating rising income and the quiet threat of lifestyle creep.
Many high-earning families don’t struggle with income—they struggle with visibility and control. As spending grows alongside success, cash flow often becomes reactive instead of intentional. We discuss how AI can help identify spending patterns, surface inefficiencies, and support bett...
70: This Generosity Strategy Can Lower Your Taxes
Most families think about generosity emotionally—but few think about it strategically.
In this episode, Keith and Caleb break down a surprising way to give generously while improving your tax planning, especially for families with significant assets. When done correctly, generosity doesn’t just improve the world around you—it can reduce taxes, preserve family wealth, and help future generations thrive.
We walk through the four ways wealth is typically used over a lifetime: consumption, taxes, loss, and giving. While most people fixate on spending and investing, high-net-worth families often overlook how intentional giving can become...
69: What I Learned in My First Year as a Financial Advisor
What can you really accomplish in your first year as a financial advisor?
In this episode, Keith sits down with Caleb Tyner for an honest, behind-the-scenes conversation about the lessons that only come from being in the trenches—working with real families, navigating real markets, and learning what it actually takes to give meaningful financial advice.
From mastering financial advisor fundamentals to learning how to communicate clearly without industry jargon, this discussion explores what surprised Caleb most during year one on the job. We talk openly about confidence, decision-making, client relationships, market volatility, and wh...
68: Hate Your Job? It Might Be Overpaying You
Most people believe their worst job was a waste of time. The low pay. The long hours. The frustration. The feeling of being stuck.
But what if the job you hated was actually overpaying you?
In this episode, Keith and Doug take a candid look at the lessons learned from the worst jobs we’ve ever had—from fast food counters to hotel front desks—and why those experiences quietly shaped skills that paid dividends for decades. This is not a motivational speech. It’s a practical reframing of work, tr...
67: How to Master Cash Flow in 2026 (And Why It Matters)
Cash flow is more than a budgeting exercise—it is the reality check that determines whether your money is truly supporting the life you want to live.
In this episode, Doug walks through a comprehensive guide to cash flow, breaking it down into practical, real-world terms for families navigating career transitions, major purchases, retirement planning, or simply trying to create more financial margin. From wages and business income to taxes, expenses, investments, and giving, cash flow reveals not just where your money goes but what it values.
You will learn why you should review your ca...
66: A Doctor’s Perspective on Dementia and End-of-Life Care with George Elmes, M.D.
When a parent begins to decline from dementia, families are often forced to make decisions with no perfect answers—only tradeoffs. In this episode, Keith and Doug sit down with experienced physician, Dr. George Elmes, M.D., to talk candidly about helping aging parents with dementia, navigating end-of-life care, and knowing when it’s time for family members to step in.
This conversation goes beyond medical theory and into real-life scenarios families face every day: taking away car keys, recognizing cognitive decline, and deciding when independence must give way to safety. We also explore why...
65: Ten Wedding Planning Mistakes to Avoid (and What to Do Instead) with Elizabeth Owens
Planning a wedding is one of the most meaningful (and expensive) decisions a couple will make. Yet many families approach wedding planning without the guidance they need to avoid unnecessary stress, wasted money, and regret. In this episode, Keith and Doug interview wedding planner Elizabeth Owens to break down 10 essential wedding planning do’s and don’ts every couple should consider before the big day.
Drawing from real-world experience with couples, Elizabeth discusses what actually matters versus what simply adds cost without adding value. From guest lists and vendors to timing, food choices, and flow of the day...
64: Taxable vs. Tax-Deferred vs. Tax-Free: Which Is Best?
When it comes to retirement planning and tax planning, one of the most common questions families ask is: which is best—taxable, tax-deferred, or tax-free accounts? The honest answer is more nuanced than most articles or headlines suggest.
In this episode, Keith and Doug break down how taxable accounts, tax-deferred accounts (like traditional IRAs and 401(k)s), and tax-free accounts (like Roth IRAs) actually work and why the “best” option depends on your income, tax bracket, time horizon, lifestyle goals, and giving intentions. This is not a black-and-white decision. It’s more like solving a Rubik’...
63: How to Be Wise in Foolish Times
Don’t let the world persuade you.
In an age of constant noise, instant information, and cultural pressure, wisdom has become both rare and invaluable. In this episode, Keith and Doug explore what it means to live wisely in foolish times, drawing practical insight from ancient principles that remain deeply relevant to modern financial and family decisions.
You’ll learn the difference between knowledge and wisdom, how foolish financial patterns quietly erode wealth, and why the people you spend time with matter just as much as the plans you make...
62: Unexplainable Stories Prove God Is Moving
How have you seen God move?
Everybody collects unexplainable stories. In today’s episode, Keith and Doug unpack why these stories matter, how to recognize them, and why documenting them can reshape the way you see your past, your relationships, and even your financial decisions.
You’ll learn:
→ How unexplainable stories come about
→ Why you should collect and share these stories
→ What happens when you look for new stories in your life
You’ll also hear real stories—from surprise business breakthroughs to improbable meetings to personal moments of rescue—that illustrate h...
61: Start Better Conversations This Thanksgiving
In this special holiday episode, Keith and Doug share over 20 meaningful Thanksgiving conversation starters designed to help your family connect on a deeper level. Whether your gatherings lean peaceful, chaotic, sentimental, or hilarious, this episode gives you tools to do something different and bring more harmony, curiosity, and gratitude to the table.
Drawing from stories that range from childhood traditions to New York City parades to unexpected life lessons, Keith and Doug unpack how simple, intentional questions can shift the tone of your entire holiday. Instead of drifting into politics or tension, you’ll le...
60: Tools for Managing Aging Relatives
Relieve unnecessary stress at the end of life.
In this episode of Up Your Average, Keith and Libbi consider the challenges families face when dealing with aging relatives, particularly those with dementia or Alzheimer's. They discuss tools and strategies to help families navigate medical, financial, and personal responsibilities while maintaining a supportive environment for their loved ones.
You will learn:
→ Why you should document change as your parent’s age
→ How to organize medical, financial, and other documents
→ What to do when tragedy strikes<...
59: Unleash Your Dreams at Any Age
"Everybody dies, but not everybody lives."
What if the dream you’ve been carrying for years—or even decades—is still possible? In this episode, Keith and Doug explore what it really takes to pursue your aspirations at any age, especially when fear, uncertainty, or financial concerns have held you back. Whether your dream is personal, professional, or deeply tied to the legacy you want to leave your family, this conversation will help you see that your best chapters may still be ahead.
You’ll learn:
→ Why most people underestimate the time they have left
→...
58: Discover Your Financial Worldview with Gimbal
What drives your financial decisions?
Beneath every investment, purchase, or plan lies something deeper: your financial worldview. In this episode, Keith from Gimbal Financial reveals how understanding that worldview can transform the way you approach money, purpose, and life itself.
Using the metaphor of a gimbal—a tool that keeps a compass level no matter how turbulent the waters—Keith explains how clarity and stability come from aligning your financial choices with your personal values.
You’ll learn how to:
Identify the beliefs shaping...57: Help Your Kids Achieve the American Dream with Former Thunderbird Pilot Matt Modleski
What does it take to achieve the American Dream?
In this inspiring conversation, former Thunderbird pilot and author Matt Modleski joins Keith and Doug to talk about discipline, belief, and the power of surrounding yourself with “dream enablers.” From flying elite Air Force jets to raising his sons for success, Matt shares how preparation, purpose, and mentorship turn dreams into reality.
You’ll learn:
→ How to guide kids who don’t yet know what they want
→ Why preparation beats talent and how it conquers fear
→ The life lessons Matt learned as a Thunderbird pil...
56: Should Smart Investors Still Own Gold?
Gold has long symbolized wealth, security, and stability, but what does it represent today?
In this episode of Up Your Average, Keith uses a simple Hershey bar to reveal a complex truth: your dollars are worth less every year, and gold has a story to tell about why. From Roosevelt’s 1933 gold ban to Nixon’s 1971 shift to fiat currency, this episode unpacks the history of gold in America and what it means for investors in 2025.
You’ll discover why gold went from $20 an ounce to over $4,000, what caused those...
55: Walking Through Dementia Together: A Widow's Story of Loss and Love
“You can’t do it alone.”
In this heartfelt episode of Up Your Average, Keith and Doug interview Jan Jeter about how she walked through dementia with her husband, John. From the early signs to the final goodbye, she opens her heart to teach others how to navigate this challenging journey with love, patience, and resilience.
By listening, you will learn:
➡️ What early signs may point to dementia
➡️ How to handle a diagnosis you don’t want to hear
➡️ Why you can’t walk through dementia alone
🎙...
54: How Seniors Can Save Big on Taxes With the Big Beautiful Bill
Do you qualify to save big this year?
In this episode of Up Your Average, Caleb Tyner joins Keith and Doug to detail how seniors age 65 or over can deduct up to $12,000 on their federal income tax return through the Big Beautiful Bill.
By listening, you will learn:
- Who qualifies for this deduction
- When the deduction ends
- How to get the most of out the deduction
Connect with us at www.gimbalfinancial.com.
53: Are You in the Sweet Spot of Life?
Midlife doesn't have to be a crisis.
In this episode of Up Your Average, Keith and Doug teach how to navigate midlife when family, work, and health issues converge.
By listening, you will learn:
Why midlife is the sweet spot of lifeWhat to do when everything goes wrongHow to eliminate unnecessary stressorsConnect with Keith and Doug at https://www.gimbalfinancial.com.
52: 12 Tips for Your First Day of Work
“If you want to go to the top, start by serving.”
In this episode of Up Your Average, Keith and Doug give 12 tips for your first day of work.
In this episode, you’ll learn:
What to do if you make a mistake on the jobHow to serve Christ at workWhy the best leaders have a servant attitudeConnect with us at https://www.gimbalfinancial.com/.
51: 10 Tips for Your First Day of Retirement
“Don’t retire to recliner. Your best days are ahead.”
In this episode of Up Your Average, Keith and Doug give salient advice on how to make retirement the best years of your life.
In this episode, you’ll learn:
➡️ The best questions to ask the first day you retire
➡️ Why you should still find work to do when you retire
➡️ How to manage your investment money to last 30+ years
50: Caring for Aging Family Members
“Gravity wears on all of us.”
In this episode of Up Your Average, Keith and Doug discuss the best ways to care for aging family members.
In this episode, you’ll learn:
➡️ The only 4 ways to respond to any aging situation
➡️ What questions to ask as your parents get older
➡️ The benefits of having aging parents move in with you
49: Make New Friends by Volunteering with Hall of Fame Teacher Kelly Meyer
“Find something you're passionate about that helps others.”
In this episode of Up Your Average, Keith and Doug interview Carmel High School Hall of Fame teacher Kelly Meyer who shares how volunteering has expanded her world.
In this episode, you’ll learn:
➡️ Why you should volunteer
➡️ Where you can make an impact in your own community
➡️ How to care for others without neglecting your own health
🤝 Connect with Keith and Doug
🌐 Website: https://www.gimbalfinancial.com
🔗 Keith on LinkedIn: https://www.linkedin.com/in/keith-t...
48: Living a Full Life with 96-Year-Old Attorney Donald W. Ward
“You never know what the Lord has in store.”
In this episode of Up Your Average, Keith and Doug interview 96-year-old attorney Donald W. Ward who shares how God lead him through his toughest times to leave a legacy full of life and happiness.
In this episode, you’ll learn:
➡️ How God can turn tragedies into blessings
➡️ Why you should treat everyone with dignity and respect
➡️ What a healthy, lasting marriage looks like
🤝 Connect with Keith and Doug
🌐 Website: https://www.gimbalfinancial.com
🔗 Keith on Linked...
47: How Tiny Decisions Revolutionize Your World with Leah DeBaun
“You have to make difficult decisions to do things the right way.”
In this episode of Up Your Average, Keith and Doug interview Leah DeBaun who shares how her life choices—from living in a one-bedroom apartment with her parents to building a tiny house and eventually fostering and adopting a child—helped her expand her world and gain perspective.
In this episode, you’ll learn:
➡️ Why doing what is right is better than doing what is easy
➡️ How suffering can teach us more about God
➡️ The importance of emotion...
46: How to Expand Your World: Practical Steps that Broaden Your Perspective
“Growth doesn’t happen by accident — it happens when you choose to expand your world.”
In this episode of Up Your Average, join Keith and Doug break down simple, practical habits that help you grow your perspective and start seeing life in new ways.
Listen now to learn:
Daily practices that expand your mindsetWhy new experiences shrink old problemsHow conversations with the right people can open new doorsThe importance of curiosity in personal growthThese aren’t just theories — they’re practical steps you can start today.
45: Shrink Your Problems by Expanding Your World
“The bigger your world becomes, the smaller your problems will seem.”
In this episode of Up Your Average, Doug and Keith explore the power of worldview. They believe the bigger your world becomes, the smaller your problems will seem. By expanding your perspective, you can reduce stress, find new opportunities, and live with greater purpose.
What you’ll hear:
Why a narrow worldview makes problems feel bigger than they areHow intentional choices can expand your worldStories from Keith and Doug’s lives that reveal the cost of “shrinking”Practical st...44: How Long Should You Work For Money?
"Working just for money is like running a marathon that never ends."
In this episode of Up Your Average, Keith and Doug explore the deep connection between time, money, and purpose and why chasing a paycheck isn’t enough. Listen to learn:
Why time is more valuable than moneyHow to stop trading all your hours for dollarsThe dangers of debt and high interestHow to make your money work for youFinding purpose in your work and financial life👉 If you enjoy this episode, please follow the show and share it with a friend who could use some...
43: Maximize Every Decade of Your Life: Advice for Your 20s to Your 90s
“Your best days are ahead, no matter your age.”
Join Keith and Doug as they consider how to maximize every decade of life. In this episode, you will learn:
Why you should buy a minivan in your 30s (even if you don’t have kids)How reaching your 60s is far from the end of your lifeWhat joys you can expect in your 90s👇Want more? Connect with Keith:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/
Doug’s LinkedIn - https://www.linkedin.co...
42: Is Building Wealth Really Worth Your Time?
Which is more valuable: time or money?
Join Keith as he examines the true value of time. Listen to this episode to learn:
The best definition of retirementWhy building wealth isn’t worth all of your timeHow to make the most of your days📞 Want more? Connect with Keith:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Gimbal Financial website - https://www.gimbalfinancial.com41: Cover What You Care About with Allstate Insurance Agent Gabe Greene
“Get educated on what your insurance actually covers.”
Join Doug as he interviews Gabe Greene, owner of an Allstate Insurance Agency, about everything insurance. By listening to the episode, you will learn:
👀 Want more? Connect with Gabe and Doug:
Gabe’s LinkedIn - https://www.linkedin.com/in/gabe-greene-16620217/Gabe’s Website - https://www.gabegreeneagency.comDoug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/ Gimbal Financial website - https://www.gimbalfinancial.com40: Make the Best Use of Your Time with Dr. Ray Childers
"Don't waste the time you have left."
Join Keith and Doug as they interview author and speaker Dr. Ray Childers on the importance of time. In this episode, you will learn:
Why time is critical to financial planningHow time came into being according to the BibleWhere existentialists go wrong about timeConnect with Dr. Ray Childers
Dr. Ray Childers website - https://raychilders.com/
Connect with Keith and Doug:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/
Doug’s LinkedIn - https://ww...
39: If Public Speaking Scares You, Listen to This
“God gave us two ears and one mouth for a reason.”
Join Keith as he interviews Steve Hanes, the president of Dale Carnegie Training of Central Indiana, about how to communicate effectively in an introverted world. By listening to the episode, you will learn:
The magic formula of storytellingWhy cell phones destroy quality communicationHow to speak confidently in any situation📞 Want more? Connect with Steve and Keith:
Steve’s LinkedIn - https://www.linkedin.com/in/steve-hanes-861b454/Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Dale Carnegie website - https...38: What Legacy Will You Leave Behind?
“A good name is better than gold.”
Join Keith and Caleb as they discuss how you can leave a lasting legacy. In this episode, you will learn:
Why the world doesn’t care about legaciesWhich legacies have impacted Keith and Caleb the mostWhat you can do today to leave a lasting legacy📞 Want more? Connect with Keith and Caleb:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/Caleb’s LinkedIn - https://www.linkedin.com/in/caleb-tyner-82b261184/Gimbal Financial website - https://www.gimbalfinancial.com37: Becoming a Dangerous Man in a Fragile World
“Be interested, not interesting.”
Join Keith and Doug as they discuss what it takes to be a dangerous man in today’s fragile world with The Hill men’s discipleship leader, Andrew Porterfield. In this episode, you will learn:
Why every man needs a mentorHow to overcome the fear of talking to womenWhat it takes to live with confidence and courageCheck out the men’s ministry at The Hill:
The Hill website - https://www.lifeonthehill.org
Connect with Keith and Doug:
Keith's LinkedIn - https://ww...
36: Work Matters: How Does It Matter to You?
“Whatever you do, work heartily, as for the Lord and not for men.”
Join Keith and Doug as they discuss why God created us to work. In this episode, you will learn:
What the true goal of work is (hint: it’s not retirement)How to choose what type of work to doWhy you don’t need to enjoy what you doConnect with Keith and Doug:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/
Doug’s LinkedIn - https://www.linkedin.com/in/doug-shrieve-0271989/
Gimbal Financial website...
35: Don't Let Your Stuff Make Family Reunions Rough with Auctioneer Brian Sample
"Do you own your stuff or does it own you?"
Take control of your estate by listening into Keith's interview with the owner of Estate & Downsizing Specialists, Brian Sample. Brian has been a licensed auctioneer and certified appraiser since 1998 and he loves helping people like you maximize the value of your assets while you transition from one stage of life to the next. In this episode, you will learn:
- Why baby boomers tend to hoard stuff
- What three questions to ask when sorting through your stuff
- How to avoid causing...
34: Why God Made Savers AND Spenders
“Can you imagine if the whole world was all savers?"
Join Keith and Caleb as they discuss why God made both savers AND spenders. In this episode, you will learn:
Why everyone should NOT be saversWhat it takes to be a good spenderHow savers and spenders can communicate well with one another📞 Want more? Connect with Keith and Caleb:
Keith's LinkedIn - https://www.linkedin.com/in/keith-tyner-a941a58/
Caleb’s LinkedIn - https://www.linkedin.com/in/caleb-tyner-82b261184/
Gimbal Financial website - https://www.gimbalfinancial.com
