Quaker Wealth Management

CERTIFIED FINANCIAL PLANNER™

Wealth Mgt Mixtape Podcast

Host

WNC Capital Corp

Regional Vice President

LEAF Financial Corporation

Certified Financial Planner™ @ Quaker Wealth Management | Investment Strategies

As a CERTIFIED FINANCIAL PLANNER™ at Quaker Wealth Management, I help clients achieve their financial goals and dreams through personalized and comprehensive financial planning and investment advisory services. I have more than 12 years of experience in the wealth management industry, working with individuals, families, and businesses across various stages of life and financial situations.

In addition to my role as a financial advisor, I am also the host of Wealth Mgt Mixtape Podcast, a platform where I share my insights, perspectives, and stories on topics related to investing, financial planning, and human behavior. I am passionate about educating and empowering people to make informed and confident financial decisions, and to enjoy the journey of wealth creation and management.

Jake Heisler, CFP®

Lavaali

Co-founder of a group of self-service laundromats, self-storage,  coworking and virtual spaces.

Co-Founder

ISCAL-Lisbon Accounting and Business School

Professor of Financial Markets and Calculus.

Professor of Financial Markets

Independent

I like to work with Behavioral Data, Emotions, and Storytelling. 

Economics, Finance, and Markets are about people. Behaviors are what authentically define people and businesses.

Financial Analyst

Sustainable Destinations

Invest in small businesses, real estate, digital real estate, and domains.
Currently, owner of a Real Estate Property in the Azores. 
Sold my first real estate property in 2023.

Property Investor

Blog - Para lá do Homo Economicus

Co-author of opinion articles on financial literacy, finance and economics (inactive)
http://paraladohomoeconomicus.blogspot.pt

Co-founder financial literacy blog

Universidade da Beira Interior

Researcher in crowdfunding and alternative markets.

The role of microcredit in promoting financial and social inclusion. Projeto financiado por fundos nacionais através da FCT – Fundação para a Ciência e a Tecnologia, I.P., no âmbito do projeto “The Role of Microcredit in Promoting Financial and Social Inclusion” (PTDC/EGE-OGE/31246/2017).

Researcher

Refood

Manager of Volunteers at Refood.

Collecting food from restaurants and coffee shops to deliver to families in need.
http://www.re-food.org/

Volunteer from almost the beginning of Refood project in the county of Nossa Senhora de Fátima. Actively collaboration with the food collection team. 

More recently, working as well as Volunteer Manager (since February 2016) in the new Refood Sacavém. The main tasks developed are data collection, training, share procedures and experiences about Refood, operations, and managing volunteer. 
http://www.re-food.org/pt/nucleos/portugal/lisboa/sacavem

Like it and share it:
https://www.facebook.com/Refood-Sacav%C3%A9m-1551333215128436

Volunteer Manager and Volunteer

JOPA - Núcleo de Jovens Profissionais de Águas (Young Water Professionals)

Coordinator of JOPA, managed members and their activities.  

The Núcleo de Jovens Profissionais de Águas - Group of Young Water Professionals (JOPA) aims to ensure adequate preparation of new generations of leaders and technicians in several areas of knowledge, helping them to meet the growing challenges facing the water sector in the present and in the future. The purpose of JOPA is to enhance professional training of young water professionals of the water sector and all who would come to be a part of JOPA.

Facebook - www.facebook.com/nucleo.jopa
Twitter - https://twitter.com/nucleo_jopa
LinkedIn - https://pt.linkedin.com/pub/jopa-núcleo-de-jovens-profissionais-da-água/b1/58b/92b/en.

Additional information: jopa.apda@gmail.com

JOPA was developed within APDA (Portuguese Association of Distribution and Water Drainage) in 2013 and is also connected to the IWA (International Water Association).

Coordinator

Climber Hotel

Mentor for the growth strategy using Behavioural Science and Financial Tools of the Portuguese Startup Climber - Hotel Revenues Strategies. 

Climber is a revenue management tool that provides independent hoteliers optimal, dynamic pricing using local data and customer analytics. 
http://climberhotel.com

Blog 
http://blog.climberhotel.com

Behavioral Finance Advisor and Growth Mentor

ISCTE-IUL

PhD in behavioral economics. applied to water resources and consumer behaviors.

PhD in Economics with a FCT Scholarship

Helping 23K families navigate AI-driven education & finance | Daily insights on early careers & AI education’s impact on your child’s future | Keynote Speaker & Financial Psychology PhD

AI is destroying your financial future. 🤖

Here’s the brutal truth what you need to pay attention:

While you’re distracted by endless AI tools and digital noise, your money decisions are getting worse.

Not smarter. Worse.

Why?

Because 97% of professionals now suffer from decision fatigue and lack of mental space to plan the journey.

Your brain makes 35,000 choices daily.

By afternoon, you’re mentally exhausted.

You leave your journey, and make life a prison.

That’s when you make your worst financial mistakes.

The result?

- Financial stress eating your relationships 💔
- Emotional investment decisions 📉
- Delayed wealth building 💰
- Career stagnation 📱

But here’s what changes everything:

Understanding your money psychology.

I’m Emanuel Balsa.

PhD in Behavioral Economics.

14+ years studying why intelligent people make terrible money decisions.

My discovery:

The difference between financial struggle and freedom isn’t intelligence.

It’s behavioral patterns.

Top 1% think differently about money.

They use evidence-backed psychology, not just logic.

I teach you:

→ How to rewire money fears using Nobel Prize research 🧠  
→ Why your “smart” investments are emotional traps 📊  
→ AI tools that actually improve financial decisions 🤖  
→ Behavioral patterns to fight inflation and win 💎

My credentials:

📚 Professor of Finance | ISCAL  
🔬 Behavioral Finance Researcher | 14+ years  
🇵🇹 #1 Male Finance Creator in Portugal  (LinkedIn)
🌍 #40 Worldwide Personal Finance (Favikon, June 2025)

My Mission is too help others to don’t lose where I lost in the past, and win more than I win 🏆 

I am building a network to transform 100,000+ professionals through psychology-based wealth education, financial education for financial independence.

No fluff.

No get-rich-quick schemes.

Just proven behavioral science.

Ready to learn like the top 1%?

Get my free psychology playbook:  
👇 https://lnkd.in/d5Shnd83

Join 23,000+ professionals in my community, and get 500 Career & Finance chatGPT prompts :  
👇 https://lnkd.in/d5fXZeUQ

⚠️ Warning: Once you see these patterns, you can’t unsee them.

I’m a professor, not a guru, so always Financial Psychology education, not financial advice.

Speak soon,
Balsa 

P.S. Message me to accelarate your learning. ✍️

Emanuel Balsa

Millions apply to fake remote job listings daily.
They waste weeks chasing ghost positions.
The real opportunities hide elsewhere.

Here's 16 platforms for your remote job roadmap:

💼 1. Premium Vetted Jobs → FlexJobs
↗ Pre-screened listings, zero scams

💼 2. Quick Filter Search → Just Remote
↗ Find roles in under 5 minutes

💼 3. Largest Community → We Work Remotely
↗ 3M+ job seekers, top employers

💼 4. Full Career Support → Remote.co
↗ Jobs plus salary data and guides

💼 5. Hand-Picked Leads → Virtual Vocations
↗ Curated opportunities daily

💼 6. Daily Fresh Listings → Working Nomads
↗ Updated every 24 hours globally

💼 7. Global Talent Hub → Pangian
↗ Connect with companies worldwide

💼 8. Tech Startup Focus → Remotive
↗ Best for developers and designers

💼 9. Developer Platform → Arc
↗ Streamlined hiring for engineers

💼 10. Real-Time Board → RemoteOK
↗ Live updates across industries

💼 11. Freelance Marketplace → Fiverr
↗ Offer services, build client base

💼 12. Creative Professionals → Authentic Jobs
↗ Design, dev, and creative roles

💼 13. High-Paying Filter → Jobspresso
↗ Quality over quantity approach

💼 14. Long-Term Matches → Outsourcely
↗ Permanent remote positions

2 Additional Bonus: 👇

🚀 15. Enterprise Clients → Upwork
↗ Largest freelance platform globally

🚀 16. Elite Talent Network → Toptal
↗ Top 3% designers and developers

Pick 3 platforms that align with your skills.
Set up alerts for your target roles.
Apply to 5 quality jobs daily.

Get the Free Job Interview Kit here:
👉👉 https://lnkd.in/d_2Gw7yG

♻️ Repost to help others escape the fake job trap
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✅ Save this to land your next remote role

73% live paycheck-to-paycheck—not from laziness, from broken psychology | Helping managers and entry-levels the behavioral fix before burnout breaks them

16 Remote Job Websites That Actually Work for job seekers

Every generation destroys its career:
Following advice from the wrong playbook.
Here are 6 worst career traps nobody tells you:

Your parents' career strategy?
Might be dead on arrival in 2026.

Some of the most brilliant minds I know:

Fired or “pre-retired” at 60s or before.

This career reality makes me sad.

The 6 worst career traps by generation:

1. Silent Generation (80s-100s+)
↘ "Get a stable job and stay forever"
↗ That job disappeared 20 years ago

2. Baby Boomers (60s-70s)
↘ "Company loyalty guarantees security"
↗ Companies stopped being loyal decades back

3. Generation X (45-50s)
↘ "Wait for the pension to save you"
↗ It's probably not coming, build income streams instead

4. Millennials (30s-45)
↘ "Follow your passion, money will follow"
↗ Passion without skills equals poverty

5. Generation Z (10s-20s)
↘ "Trades are recession-proof, skip college"
↗ Unemployment data tells different story

6. Generation Alpha (<10)
↘ "Choose college OR trade as your path"
↗ Wrong question entirely for future work

The hard pill:
💊 Every generation gives advice that worked for them.
💊 But their kids entered workforce at different times.

Career security isn't choosing right industry.
It's building skills that adapt across industries.

Stop listening to old advice before AI existed.

What’s the best career advice? 
Share it with me, so we upskill together.

Don't miss my +50 free frameworks:
👉 https://lnkd.in/d5fXZeUQ

Get my free playbook, start your journey asap:
🤝 https://lnkd.in/d5Shnd83
…
♻️ Repost to save someone's career path
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Most employees wait too much to lead.

Learn to work alone. (Here's 3 career truth nobody shares:)

Your boss isn't tracking your every move.

Your colleagues aren't judging your attempts.

Your career growth depends on autonomous action.

Every day you wait for approval:
→ Someone else ships the project you planned
→ Someone else gets the promotion you wanted
→ Someone else builds the reputation you could have

Here are the 3 psychology traps keeping you stuck:

1) Approval Addiction
You need consensus before acting.
You fear criticism more than mediocrity.

Takeaway: Leaders make decisions, then get buy-in.
They act, adjust, and move forward.

2) Validation Dependency
You wait for someone to notice your work.
You expect recognition to come automatically.

Takeaway: You build your reputation through consistent output.
Not through waiting to be discovered.

3) Uncomfortable Passivity
You attend meetings prepared to agree.
You take tasks only when assigned.

Takeaway: Initiative separates good from great.
Ownership creates opportunities.

The 4-step system for your definite growth:

1. Identify problems before they're assigned
↠ Make solutions your default mode

2. Document your decisions and outcomes
↠Build your track record transparently

3. Share learnings without being asked
↠Position yourself as the go-to expert

4. Request feedback after shipping
↠ Not permission before starting

The result of stepping out your current zone:
→ Faster career advancement
→ Higher trust from leadership
→ Stronger professional reputation
→ More autonomy in future projects

Most professionals need hand-holding.
Smart employees need direction once.

Your career isn't a group project.
It's your independent study.

Make it an experiment.
Start building momentum.


Still figuring this out without a community?

Get 500 Free ChatGPT for Career & Finance now:
👉👉 https://lnkd.in/d5fXZeUQ

Start you psychology journey with me:
🤝🤝 https://lnkd.in/d5Shnd83

♻️ Repost to help others upskill their careers
 🍀 Follow Emanuel Balsa for the tips you value
✅ Save this career framework today

Most people avoid being alone with themselves.

Learn to be alone. (Here's 3 dark psychology traps:)

Your best thinking happens in silence.

Your worst decisions happen in crowds.

Your clarity requires space nobody else can provide.

Every hour you fill with noise:
→ You copy someone else's life direction
→ You mistake TV distractions for happiness
→ You build confidence on borrowed opinions

Here’re the 3 dark psychology traps that keep you stuck:

1) Consensus Addiction
You can't make decisions without group input.
You mistake agreement for confidence.

Takeaway: Strong people think alone first.
They decide internally, then share externally.

2) Validation Hunger
You need constant reassurance you're on track.
You fear what silence might reveal about you.

Takeaway: Your happiness comes from internal growth.
Not external consumption and approval.

3) Noise Dependency
You fill every moment with content and people.
You avoid solo experiences that challenge you.

Takeaway: Independence builds through deliberate solitude.
Confidence comes from self-trust, not group safety.

The 4-step system for building inner strength:

1) Schedule 30 minutes weekly with zero input
↠ No content, just processing what you've learned

2) Take one solo action monthly that scares you
↠ Conference alone, trip alone, workout alone

3) Make one significant decision without consulting anyone
↠ Then track your accuracy over time

4) Process one difficult emotion before sharing it
↠ Build your emotional compass early in life

3 big wins of embracing solitude to upskill your life:
→ Stronger decision-making confidence
→ Less anxiety about others' opinions
→ Clearer sense of personal direction

Most people fear their own thoughts.

Mentally strong people schedule time with them.

Your life isn't a democracy.
It's your solo experiment.

Stop crowdsourcing your identity.
Start trusting your inner voice.
Follow your instinct.

Still figuring this out without a community?

Get 500 Free ChatGPT for Career & Finance now:
👉👉 https://lnkd.in/d5fXZeUQ

Start your psychology journey with me:
🤝🤝 https://lnkd.in/d5Shnd83

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62% of couples keep money separate.
Not because they don't trust each other.
Because they never built a system that feels fair to both.

The data:
→ 33% of couples are uncomfortable discussing finances
→ Money fights increase divorce risk 3x vs other conflicts

Here's Ramit Sethi's paycheck flow system:

Step 1: Paycheck lands in personal account
→ Each partner sees what they earned individually

Step 2: Auto-transfer to joint payment account
→ Both send agreed % (proportional or 50-50)
→ Pays: rent, utilities, groceries, childcare, joint bills

Step 3: Joint sends "no questions asked" money
→ €X to Partner A's checking (guilt-free spending)
→ €X to Partner B's checking (complete autonomy)
→ €Y to both individual savings (personal goals)

Step 4: Leftover = yours
Whatever remains after joint contribution = freedom money

50-50 or Proportional?

Use 50-50 when earnings are similar (within 20%)
Use proportional when one earns 2x+ more

Example proportional split:
He earns €6k/month, she earns €2k/month
He sends 75% (€2,250), she sends 25% (€750) to joint

Why this works:
💶 Joint account creates "our money" emotional bond
💶 Personal accounts preserve individual autonomy
💶 No permission needed for personal spending
💶 Transparency without micromanaging

WARNING: Don't over-separate

When couples track every cent separately: 
"I paid €543, you paid €487", 
money feels like roommates, not partners.

Ramit's insight: 
Joint account isn't control. 
It's creating the emotional experience of “this is OURS.”

The system works because both exist:
→ Shared future (joint account)
→ Personal freedom (individual accounts)

When one feels trapped, the relationship suffers.
When both feel free AND united, it thrives.

Video: DOAC 

Agree?

Grab my 500 Free ChatGPT for Career & Finance:
👉👉 https://lnkd.in/d5fXZeUQ

Get my psychology playbook:
🤝🤝 https://lnkd.in/d5Shnd83

♻️ Repost to help couples stop money fights
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Most people chase success but die empty.
Japanese centenarians found the secret.
It's not what you think (10 Rules of Real Wealth:)

They call it "Ikigai": 
your reason for waking up.

Here are the 10 rules of Ikigai (Book - Ikigai),
learn how to stop wasting time in life:

1. Never stop doing what you love
2. Slow down to speed up
3. The 80% rule saves lives
4. Your circle determines your lifespan
5. Move your body daily
6. Smile like your life depends on it
7. Nature heals what stress destroys
8. Gratitude extends your years
9. Yesterday is gone, tomorrow isn't here
10. Find your reason for waking up

The brutal truth?
Most professionals ignore #10 until it's too late.

You're teaching your kids to succeed.
But are you teaching them to live?

Your ikigai isn't just purpose.
It's the reason you stay alive.

Find yours before time runs out.

Yes or no?

Still figuring this out without a community?

Get my psychology playbook here: 
🤝🤝 https://lnkd.in/d5Shnd83
...
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🚨 JUST IN: Google Scholar's AI reads for you.
Explains complex papers in seconds. 
Here's exactly how to use it (5-step tutorial 👇):

Why it matters for any search you do:
1. Analyzes your research question for key topics
2. Searches Google Scholar for matching papers
3. Uses AI to identify best answers
4. Explains exactly how each paper helps
5. Lets you continue with follow-up questions

Here’s my real example tutorial: 
Financial education research

🙋  I asked: 
"Does financial education in schools improve adult money behavior?"

Step 1: Type your specific question
→ Scholar Labs starts searching thousands of studies

Step 2: AI finds 10 relevant papers instantly
✅ Wagner (2019): Minimal short-term effect, stronger long-term impact
✅ Brown (2014): Higher credit scores, lower delinquency rates
✅ Urban (2020): Fewer defaults among young adults

Step 3: Read AI summaries first
→ Financial education improves retirement savings but mixed results on credit cards
→ Financial education has a stronger and more positive effect on long-term financial behaviors

Step 4: Click papers that matter
→ Skip irrelevant studies completely
→ Read all summaries in one page  

Step 5: Ask follow-up questions
→ "What methods showed best results?"
→ AI digs deeper into specific findings

Pro Tip: You can click “more results” to get more research papers. 

The brutal truth:
❌ Traditional research = 60+ hours reading wrong papers.
✅ Scholar Labs = answers in 60 seconds.

Right now it's waitlist only.
Limited testing users.

Try demo here ASAP: 
🤝🤝 https://lnkd.in/dSyH6um7

Credit: Neil Hoyne

Would you trust AI for your research?
I do, let me know in the comments. 👇 

Grab my 500 Free ChatGPT for Career & Finance now: 
👉👉 https://lnkd.in/d5fXZeUQ
---
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You're trading health for deadlines. 
Your body keeps score.
Then 2026 hits hard (33 days left).

LinkedIn surveyed 16,000 professionals
40% feel stuck and burned out.
50% of project managers report complete burnout.

Here're 5 hidden mistakes destroying your balance
(and how to solve them in 2026):

1) Endless Sprint Trap
❌ Treating every project like emergency
❌ No recovery time between deadlines
✅ Schedule 2-day breaks after big projects
✅ Block "recovery weeks" in your calendar

2) Always-On Culture
❌ Sending emails at 11pm sets toxic standards
❌ Expecting instant weekend responses
✅ Set "off hours" boundaries visibly
✅ Use scheduled send for after-hours thoughts

3) Skipping the small wins 
❌ Only noticing mistakes, never wins
❌ Making people feel invisible when succeeding
✅ Celebrate one win daily in team chat
✅ Send personal thank-you notes weekly

4) Meaning Vacuum
❌ Assigning tasks without context
❌ Never connecting work to bigger purpose
✅ Start meetings with "why this matters"
✅ Share customer impact stories monthly

5) Growth Ceiling
❌ No skill development opportunities
❌ Same tasks year after year
✅ Dedicate 10% time to learning new skills
✅ Rotate responsibilities quarterly

Warren Buffett once said: 
"Chains of habit are too light to be felt until they are too heavy to be broken."

Your 2025 burnout habits 
don't have to follow you.

Agree?

Still carrying 2025 burnout into 2026?
Grab my 500 Free Prompts Career & Finance now:
👉👉 https://lnkd.in/d5fXZeUQ

Get my ultimate psychology playbook:
🤝🤝 https://lnkd.in/d5Shnd83
…
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How is ROI calculated?
Most professionals skip the math: 
They lose thousands (or millions).

You're about to invest €10,000.
In real estate. In courses. In stocks.

But you don't know if it's worth it.
Because you never learned the formula.

Here's what the visual teaches:

→ ROI stands for Return On Investment
→ The basic formula that works everywhere
→ Why simple ROI lies to you
→ What Real ROI actually includes
→ Anticipated vs Actual ROI (before and after)
→ Positive vs Negative returns explained
→ Two formulas: Standard and Project Management

The difference between Anticipated and Actual ROI? 
One is your estimate. The other is reality.

Every professional decision needs this math:
Buying property, learning skills, building portfolios.

"Price is what you pay. Value is what you get." Warren Buffett

Learn the formula once.
Use it forever.

Still figuring out investment basics?

Grab my 500 Free ChatGPT for Career & Finance now: 
👉👉 https://lnkd.in/d5fXZeUQ

Get my psychology playbook to outsmart reality here: 
🤝🤝 https://lnkd.in/d5Shnd83

♻️ Repost to help your network calculate ROI correctly
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How is ROI calculated for finance and project management?

taplio

The Battle

Jake Heisler, CFP®

Emanuel Balsa

Followers

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The Battle

Jake Heisler, CFP®

Emanuel Balsa

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Emanuel Balsa's LinkedIn Performance

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