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No More Excuses, Wake Up! — Florida’s Hometown Heroes Program is back for 2025, and it could put up to $35,000 toward your down payment and closing costs.

In this episode, I break it all down:

• When the program starts (August 18, 2025)
• Who qualifies — teachers, nurses, first responders, childcare workers, veterans, and more
• How much money you can actually get
• What happens when you sell, refinance, or transfer your home
• Why this is still a win-win investment even though you’ll pay the assistance back

Episode Summary

This episode of No More Excuses, Wake Up! is your complete guide to Florida’s Hometown Heroes Program for 2025. Whether you’re a first-time homebuyer, a veteran, or a frontline worker, this program could make the difference between renting and owning. You’ll learn exactly how the program works, who qualifies, and what you need to know before applying.

What You’ll Learn in This Episode

• The exact start date for the 2025 program
• A clear explanation of who qualifies (including exceptions for military and veterans)
• How much financial assistance you can receive — up to $35,000
• The truth about paying it back and why it’s still a win-win
• Why buying a home through this program is a smart long-term investment

Resources & Links

• Official Florida Housing Program Info: https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroes
• HUD-Approved Homebuyer Education Courses: https://hudgov-answers.force.com/housingcounseling/s/?language=en_US
• Contact a Participating Lender: Check with your local bank, credit union, or mortgage broker for availability.

Connect & Free Tools

Visit: StenellMyersEnterprises.com – Learn more about my businesses and download your free budget spreadsheet
Follow me on Instagram: @StenellTheMoneyTherapist
Email me: StenellMyers.Realtor@gmail.com
Please rate and review No More Excuses, Wake Up! on iTunes or Spotify to help more people find the show.

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NO More Excuses, Wake Up! Entrepreneurship Made Simple: You Don’t Need a Million—Just a Moment

Episode Summary:
In this episode of No More Excuses. Wake Up! You don’t need a million dollars, a fancy degree, or a “perfect plan” to start your business—you just need to start. In this episode, I’m sharing what it really takes to become an entrepreneur today, drawing from my own experience building JOY (Just Our Youth), A Second Touch, and my real estate career, plus real-life stories of founders who started small and scaled big.

You’ll hear powerful success stories—from Sarah Blakely launching Spanx with $5,000 while selling fax machines, to Brian Scudamore turning one truck into 1-800-GOT-JUNK?, to Christina Stembel transforming her flower hobby into a $30 million company.

We’ll cover the five traits all successful entrepreneurs share (hint: none of them require money), the surprising truth about startup funding, why side hustles are leading the way, and the first simple steps you can take right now to get your business moving.

If you’ve been waiting for the “right time,” this episode will show you why now is the time—and why your biggest regret might be not starting sooner.

What You’ll Learn in This Episode:

• The five key traits of successful entrepreneurs (and why money isn’t one of them)
• Real-life startup stories that prove you can start small and still go big
• The truth about where 82% of startup funding really comes from
• Why keeping your day job while starting a business can increase your odds of success
• The power of side hustles and how they often grow into full-time ventures
• The one-page business plan approach that beats 50-page plans every time
• How to take your first small step toward entrepreneurship—today

Resources & Links:

• Visit: StenellMyersEnterprises.com – Learn more about my businesses and download your free budget spreadsheet
• Follow me on Instagram: @StenellTheMoneyTherapist
• Email me: StenellMyers.Realtor@gmail.com

Please rate and review No More Excuses. Wake Up! on iTunes or Spotify to help more people find the show.

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No More Excuses. Wake Up! — Planning for College Without Drowning in Debt

Episode Summary

In this episode of No More Excuses. Wake Up! Student loan debt in America has exploded to $1.5 trillion, impacting over 45 million borrowers—more than the entire population of Canada. In this episode, we break down why this crisis is reshaping the future of an entire generation and, more importantly, what families can do right now to avoid becoming part of the statistics.

We discuss the hidden costs of college, why the financial conversation should start as early as middle school, and practical strategies to earn college credits early, save thousands through community colleges, and make smarter school choices. From understanding Parent PLUS Loans to using 529 plans and alternative savings accounts, we explore real solutions that can protect your family’s financial future.

What You’ll Learn in This Episode:

• The true scope of America’s student loan crisis.
• Why college planning should start by 8th grade.
• How community college and public universities can save tens of thousands.
• The risks of Parent PLUS Loans and how they can follow you for life.
• How to leverage 529 plans and brokerage accounts for flexibility.
• The hidden expenses beyond tuition—and how to prepare for them.
• Practical alternatives like working part-time, starting at community college, or setting realistic budget limits.

Key Takeaways:

• College is an investment, but not all investments guarantee a return—be strategic.
• Saving early and using cost-cutting strategies can help students graduate without crippling debt.
• Families need to make informed decisions, not emotional ones.

Connect with Stenell Myers

Website: StenellMyersEnterprises.com – Explore my agencies, the Money Therapy Institute, and download your free budget spreadsheet.
Email: StenellMyers.Realtor@gmail.com
Social Media: @StenellTheMoneyTherapist
Tampa Bay Realtor – Helping you get the home you need, when you need it.

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