Amelia Misenheimer Consulting

06/04/2026

One week from today I am hosting a morning session for business owners who are ready to stop putting their personal wealth on the back burner.

If you have ever thought "I know I need to do something about this, I just have not had time"...

This Thursday is your time.

📅 June 11 · 10:00 AM
📍 MatchBOX Coworking Studio · Lafayette, IN
🎟️ $27 ticket · Seats are limited

Come for the coffee. Leave with a plan that finally makes sense.

Register here:
https://go.ameliamisenheimer.com/coffee-and-wealth

Tag someone who needs to be in this room 👇

06/03/2026

I get this question a lot, so here is exactly what to expect:

We meet at MatchBOX Coworking in Lafayette on June 11 at 10:00 AM. You grab a coffee. We get straight to work.

No icebreakers. No generic financial planning 101. No pitch at the end.

What you will get:

A clear explanation of why business revenue and personal wealth are two different things.
The Wealth Flywheel™ framework: the exact 3-stage sequence to turn your income into a wealth engine.
Time for your specific questions.
A concrete next step you can take that week.

That is it. Two hours. $27. And a blueprint you will actually use.

https://go.ameliamisenheimer.com/coffee-and-wealth

05/30/2026

I had a client who bought a property with a rental house and an old orchard full of dying trees.

Most people would have seen a problem. They saw a tax strategy.

Over five years, they wrote off the dying trees as depreciating assets, claiming losses each year as the orchard declined. Then they wrote off the cost of clearing the dead trees. Meanwhile, the rental house was generating cash flow the entire time.

At the end of five years? They owned five acres of prime land, fully paid down, with no trees, ready to develop. What looked like a liability became one of the smartest wealth-building moves I've seen a client make.

That's the difference between owning real estate and using real estate to build wealth.

Most people think real estate is about appreciation. The wealthy know it's about the tax advantages that stack while you hold it: depreciation write-offs, interest deductions, borrowing against equity tax-free, and creative strategies like this orchard play that most investors never consider.

The strategies are there. The question is whether you have the right people helping you see them.

Who's on your financial team right now, and are they thinking this creatively?

05/26/2026

Can I be real with you for a second?

Every time I see a headline about Elon Musk or Jeff Bezos paying $0 in federal income tax, the comments fill up with people calling it a scam, a loophole, proof the system is rigged.

And I get it. When a third of your paycheck disappears before it ever hits your account and you still owe more in April, watching billionaires pay nothing feels personal.

But here's what I want you to understand: they are not cheating.

They are using the exact same IRS tax code that you have access to. There is one rule book. It applies to everyone. The difference is that they have a team of people who know how to use it, and most of us are working with a tax preparer who shows up once a year in April.

The three strategies that make up the foundation of how the ultra-wealthy minimize taxes are debt leverage, real estate, and strategic entity structure. None of these are secret. None of them require a billion dollars to use.

I also walk through the Augusta Rule, which lets you rent your home to your business for up to 14 days a year completely tax-free, and a client story about a dying orchard that turned into one of the most creative tax strategies I've ever seen executed.

This week's Never Go Broke is a full breakdown of how to start playing the same game. Not overnight. Not without the right team. But the path is real, and it's the same one the wealthy have been walking for decades.

https://ameliamisenheimer.substack.com/p/rich-white-men-made-the-game-we-can

What's one tax strategy you've always been curious about but never fully understood?

How to use the same debt, real estate, and tax strategies that keep billionaires’ tax bills at zero

05/23/2026

Can I share something I've watched go wrong more than once?

A parent spends decades building real estate, maxing out their retirement accounts, carefully setting up a trust. They do everything right on paper.

And then they die without ever explaining any of it to their kids.

The heirs inherit accounts they don't understand. They make withdrawal decisions that push them into a higher tax bracket. They sell properties at the wrong time. They miss the step-up in basis entirely because nobody told them to wait.

The legal structure was perfect. The communication was zero.

Here's what the article I published this week comes back to: the families that do this well aren't always the ones with the most money or the fanciest estate attorneys. They're the ones who prepare their heirs. They walk their kids through the difference between a Traditional IRA and a Roth IRA. They explain what the trust means and why it's set up that way.

Your kids don't need to inherit a mystery. They need to inherit a plan they understand.

If you've been putting off this conversation with your family, this week's Never Go Broke is a good place to start. Link is in the comments.

What would you want your heirs to know first?

05/22/2026

I want to talk about something most people avoid until it's too late: what actually happens to your wealth when you're gone.

Not in a morbid way. In a "this matters more than most people realize" way.

I've worked with clients who had a goal of leaving each kid $1 million. Others wanted to leave five rental properties. Both are completely valid. But when you actually get into the mechanics of inheritance, it's a different conversation entirely.

Here's what I've seen separate the families who transfer wealth successfully from the ones who don't: it's not the size of the estate. It's whether the heirs understood the plan.

A Roth IRA and a Traditional IRA can hold the exact same amount of money. But the tax outcome for your heirs is completely different. A home that's appreciated by $415,000 over 30 years could pass to your kids with zero capital gains tax, if it's structured correctly and they know what to do with it. A trust can protect your assets from creditors, from a messy divorce, from probate delays. But only if your heirs know it exists and understand what it means.

The wealthy families you've heard of, the Astors and the Vanderbilts, made wealth transfer their business. For the rest of us, it's something we put off because it's uncomfortable.

This week's Never Go Broke article breaks down the three strategies wealthy families use to protect generational wealth: step-up in basis, retirement account inheritance rules, and trusts. And it covers the part most estate planning articles skip entirely: why communicating the plan matters as much as having one.

https://ameliamisenheimer.substack.com/p/youre-building-wealth-but-are-you

What's one thing you wish your parents had explained to you about money before it was too late?

The three tax strategies wealthy families use to protect generational wealth (and why communication matters as much as money)

05/16/2026

Here's something nobody talks about when it comes to retirement accounts:

Old 401(k)s from jobs you left years ago are still out there. Locked. Not being managed. Collecting fees you probably don't even know you're paying.

If you've switched jobs more than once, there's a real chance you have one of these sitting somewhere. You can't contribute to it. The investment options are limited. And the fees at your old employer's plan are likely higher than what you'd pay in an IRA you control.

You can roll those accounts over into an IRA. But here's the catch most people miss: when the money transfers, it often lands as cash. It sits there until you manually reinvest it.

Which means you could roll over $30,000 from an old job, feel good about consolidating your accounts, and accidentally leave it sitting uninvested for months.

This is exactly why I tell people: when money moves, go back and check that it actually landed somewhere useful.
Have you ever done a full audit of all your retirement accounts? Not your current one. All of them.

05/12/2026

Can I show you something I keep finding when I sit down with clients?

Over the last month, I reviewed retirement accounts with three different people. All three had over $10,000 just sitting there as cash. Not invested in a single stock, fund, or bond. Just sitting there while inflation quietly ate away at its value.

Every single one of them said the same thing when I pointed it out: "I had no idea."

And I believe them. Because this is one of the most invisible mistakes in personal finance.

When you roll over an old 401(k) or transfer money between accounts, it often lands as cash. It doesn't auto-invest. Nobody calls you. You get a statement you probably don't open, and life moves on.

Meanwhile, your money is doing nothing.

And that's before we even talk about whether you're in the right account type for your tax situation. Because the difference between a Traditional IRA and a Roth IRA over 15 years of contributions could mean $45,000 more in your pocket. Not from investing more. From understanding the strategy.

Most people were defaulted into whatever their HR department set up during onboarding. Have you looked at it since?

This week's Never Go Broke article walks through the three most common retirement account mistakes I find, and exactly what to do about each one.

https://ameliamisenheimer.substack.com/p/the-10000-mistake-hiding-in-your

When was the last time you actually opened your retirement account statements and looked at what's in there?

You set it up once, forgot about it, and now your money isn’t working for you. Here’s how to fix it.

05/09/2026

Can I be real with you for a second about feast-or-famine income?

When I was a realtor, my paychecks looked like a heartbeat monitor. Big spike, flat line, big spike, flat line. Some months I could pay every bill twice over. Other months I was rationing the grocery budget.

So before I ever started chasing a $50k/month retirement number, I did the unsexy thing first: I built a float fund.

Six months of expenses. Locked away in savings. Untouchable.

That fund changed everything. Not because the dollar amount was huge — but because it gave me space to breathe. I could keep working with the clients I had AND keep prospecting for new ones, without panic driving the conversation.

You can't build wealth from a place of panic. Your decisions get small. You take deals you shouldn't. You skip opportunities because your cash is tight.

A float fund isn't exciting. It won't generate $50,000 a month on its own. But it's the foundation that makes the bigger goals possible.

If your business slowed for six months tomorrow, what's paying your bills?

That's the question. And the answer should be a number, not a hope.

05/05/2026

I want to tell you about a moment at my mom's kitchen bar that I'm still processing.

You know that spot in your house where the real conversations happen? For me, it's been my mom's kitchen bar for as long as I can remember. Me on the barstool, her chopping vegetables or stirring something on the stove. That's where life gets sorted out.

I was being really vulnerable that night. Working through my financial goals, trying to figure out what I wanted my life to look like. And I shared the big, scary, audacious goal I'd been sitting with:

"Mom, I want to generate $50,000 per month in passive income."

She stopped what she was doing. Looked at me with that serious, loving, matter-of-fact expression every mom has. And said:

"That's not big enough. You should probably make it $100,000 a month."

I was flabbergasted.

Here I was, being so vulnerable, sharing what felt like this massive goal — and she made it sound piddly. Not thought out enough.

Here's why she said it: her own goal had been $10,000 a month. She blew through it earlier than expected. And realized it didn't go nearly as far as she'd thought.

So she wanted me to dream bigger from the start.

I've decided to keep my $50k/month goal until I hit it. THEN I'll raise it. Because we have to actually meet our targets, not keep moving them.

But the lesson stuck with me: the goal you're afraid to say out loud is probably still too small.

I write about the full reverse-engineering of that goal, including the math and the version I had to throw out — in this week's Never Go Broke article: https://ameliamisenheimer.substack.com/p/i-reverse-engineered-my-50kmonth

Who in your life pushes you to dream bigger?