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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.

Would you like me to also format this into a podcast template you can reuse for every episode (just swap out the topic/links), so it saves you time each week?

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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.

Send us a text

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.

If You Enjoyed This Episode

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

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Episode - No More Excuses. Wake Up!

In this episode of No More Excuses. Wake Up!, I take you through my journey of purchasing a commercial building and land in Belize—all within three months!

• How I discovered the opportunity to buy a commercial building.
• The reasons that made me decide to invest in land in such a unique location.
• The steps I took to complete the purchases within a short three-month timeframe.
• Plus, I share insights on Veteran Assumable Mortgages—a unique opportunity for eligible buyers to assume a VA loan from a veteran seller, often at a lower interest rate. If you qualify, this could be an excellent tool for financing your real estate purchase!

Whether you’re looking to invest in international real estate or just curious about how I managed to pull it off, this episode is packed with insights, lessons, and actionable steps.

ORDER YOUR COPY OF Whippin' Debt Ass! TODAY!

Please leave reviews on Amazon & Barnes & Noble!

Visit:[www.stenellthemoneytherapist.com](http://www.stenellthemoneytherapist.com)


MY PERSONAL FINANCIAL MANTRA:
BUDGET | SAVE | INVEST | LIVE

Each episode of No More Excuses. Wake Up! covers essential topics around Money, Entrepreneurship,** and **Life Skills** that aren't typically taught.

Download my free budgeting spreadsheet at:
[www.stenellthemoneytherapist.com](http://www.stenellthemoneytherapist.com)
While you're there, watch my video where I channel Muhammad Ali and demonstrate how I knock down closed doors!

Book a Free 60-Minute 1-on-1 Personal or Business Coaching Call with Me:
[1-1 Coaching - Stenell The Money Therapist](http://www.stenellthemoneytherapist.com)

Learn more about me and my agencies at:
[www.stenellmyersenterprises.com](http://www.stenellmyersenterprises.com)

Interested in being a guest on *No More Excuses. Wake Up!
Email me at: [contact@stenellthemoneytherapist.com](mailto:contact@stenellthemoneytherapist.com)

Connect with Me:

[StenellTheMoneyTherapist.com](http://www.stenellthemoneytherapist.com)
[Instagram](http://www.instagram.com/stenellthemoneytherapist)
[Facebook](http://www.facebook.com/moneytherapyinstitute)
[LinkTree](https://linktr.ee/stenellthemoneytherapist)


MONEY, ENTREPRENEURSHIP, AND LIFE SKILLS THAT WERE NOT TAUGHT!
NO MORE EXCUSES! WAKE UP!**

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Episode - No More Excuses. Wake Up!

On this episode of No More Excuses. Wake Up!, I dive into Chapter 7 of my new book *Whippin' Debt Ass!* titled "Another Paycheck." Tune in as I break down how you can generate additional income and use it strategically to pay off debt. Here's what you'll learn in this episode:

- How to Get Out of Debt with Additional Income: I'll share my personal tips and strategies for creating new revenue streams to tackle debt faster.
- Why I Decided Not to Write My Dissertation for My PhD Program: A personal decision that helped shift my focus toward financial freedom.
- How I Created a System to Start Paying Myself: Learn how I implemented a system to ensure I prioritized myself in my financial journey.
- Intentionally Paying Off Debt: I discuss my approach to paying off debt with purpose and intention.
- Using My Extra Paycheck Formula: I'll teach you how to leverage extra paychecks to accelerate your debt payoff plan.

ORDER YOUR COPY OF Whippin' Debt Ass! TODAY!

Please leave reviews on Amazon & Barnes & Noble!

Visit:[www.stenellthemoneytherapist.com](http://www.stenellthemoneytherapist.com)


MY PERSONAL FINANCIAL MANTRA:
BUDGET | SAVE | INVEST | LIVE

Each episode of No More Excuses. Wake Up! covers essential topics around Money, Entrepreneurship,** and **Life Skills** that aren't typically taught.

Download my free budgeting spreadsheet at:
[www.stenellthemoneytherapist.com](http://www.stenellthemoneytherapist.com)
While you're there, watch my video where I channel Muhammad Ali and demonstrate how I knock down closed doors!

Book a Free 60-Minute 1-on-1 Personal or Business Coaching Call with Me:
[1-1 Coaching - Stenell The Money Therapist](http://www.stenellthemoneytherapist.com)

Learn more about me and my agencies at:
[www.stenellmyersenterprises.com](http://www.stenellmyersenterprises.com)

Interested in being a guest on *No More Excuses. Wake Up!
Email me at: [contact@stenellthemoneytherapist.com](mailto:contact@stenellthemoneytherapist.com)

Have a question or a topic suggestion? Email me at the same address!

Connect with Me:

[StenellTheMoneyTherapist.com](http://www.stenellthemoneytherapist.com)
[Instagram](http://www.instagram.com/stenellthemoneytherapist)
[Facebook](http://www.facebook.com/moneytherapyinstitute)
[LinkTree](https://linktr.ee/stenellthemoneytherapist)


MONEY, ENTREPRENEURSHIP, AND LIFE SKILLS THAT WERE NOT TAUGHT!
NO MORE EXCUSES! WAKE UP!**

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On this episode of NO More Excuses Wake Up! I discuss the 7th chapter Another Paycheck in my new Book Whippin Debts Ass!

From this episode you will learn:

· How to get out of debt with additional income

· Why I decided not to write my dissertation for my PHD program

· How I had a system to start paying myself

· Intentionally paying off debt

· Using my extra paycheck formula

ORDER YOUR COPY OF Whippin Debts Ass

PLEASE LEAVE REVIEWS ON AMAZON & BARNES & NOBLES

www.stenellthemoneytherapist.com

MY PERSONAL FINANCIAL MANTRA

BUDGET SAVE INVEST AND LIVE

On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught.

You can download my free budgeting spreadsheet at

www.stenellthemoneytherpist.com

while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

Book a free 60-minute 1-1 personal or business coaching call with me 1-1 Coaching - Stenell The Money Therapist

Learn more about me and my agencies:

www.stenellmyersenterprises.com

If you would like to be on No More Excuses. Wake Up! Podcast, please email me at contact@stenellthemoneytherapist.com

Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at

contact@stenellthemoneytherapist.com

Connect with me at

www.stenellthemoneytherapist.com

http://www.instagram.com/stenellthemoneytherapist

http://www.facebook.com/moneytherapyinstitute

https://linktr.ee/stenellthemoneytherapist

MONEY ENTREPRENEURSHIP AND LIFE SKILLS THAT WAS NOT TAUGHT!

NO MORE EXCUSES! WAKE UP

Send us a text

On this episode of NO More Excuses Wake Up! I discuss the 6th chapter Owning your No’s in my new Book Whippin Debts Ass!

From this episode you will learn:

· How to assert yourself and say NO when people ask for money

· My reason why I decided to tell people NO

· Understanding your No what is your why

· Having a plan for yourself

· Be empowered with saying NO

ORDER YOUR COPY OF Whippin Debts Ass

PLEASE LEAVE REVIEWS ON AMAZON & BARNES & NOBLES

www.stenellthemoneytherapist.com

MY PERSONAL FINANCIAL MANTRA

BUDGET SAVE INVEST AND LIVE

On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught.

You can download my free budgeting spreadsheet at

www.stenellthemoneytherpist.com

while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

Book a free 60-minute 1-1 personal or business coaching call with me 1-1 Coaching - Stenell The Money Therapist

Learn more about me and my agencies:

www.stenellmyersenterprises.com

If you would like to be on No More Excuses. Wake Up! Podcast, please email me at contact@stenellthemoneytherapist.com

Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at

contact@stenellthemoneytherapist.com

Connect with me at

www.stenellthemoneytherapist.com

http://www.instagram.com/stenellthemoneytherapist

http://www.facebook.com/moneytherapyinstitute

https://linktr.ee/stenellthemoneytherapist

MONEY ENTREPRENEURSHIP AND LIFE SKILLS THAT WAS NOT TAUGHT!

NO MORE EXCUSES! WAKE UP

Send us a text

On this episode of NO More Excuses Wake Up! I discuss the 5th chapter Communication Style and Money Habits in my new Book Whippin Debts Ass!

From this episode you will learn:

· Our psychological mindset is linked to our finances

· Four basic tenants of Central Communication styles

· Breakdown and explanation of all communication styles in relation to money

· The intimidation of money

· The relationship between communication and money

· Finding yourself in these communications styles

ORDER YOUR COPY OF Whippin Debts Ass

PLEASE LEAVE REVIEWS ON AMAZON & BARNES & NOBLES

www.stenellthemoneytherapist.com

MY PERSONAL FINANCIAL MANTRA

BUDGET SAVE INVEST AND LIVE

On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught.

You can download my free budgeting spreadsheet at

www.stenellthemoneytherpist.com

while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

Book a free 60 minute 1-1 personal or business coaching call with me 1-1 Coaching - Stenell The Money Therapist

Learn more about me and my agencies:

www.stenellmyersenterprises.com

If you would like to be on No More Excuses. Wake Up! Podcast, please email me at contact@stenellthemoneytherapist.com

Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at

contact@stenellthemoneytherapist.com

Connect with me at

www.stenellthemoneytherapist.com

http://www.instagram.com/stenellthemoneytherapist

http://www.facebook.com/moneytherapyinstitute

https://linktr.ee/stenellthemoneytherapist

MONEY ENTREPRENEURSHIP AND LIFE SKILLS THAT WAS NOT TAUGHT!

NO MORE EXCUSES! WAKE UP