The Everyday Oiler

02/23/2026

Term vs. Whole Life — Which One Do You Actually Need?

A client once asked me, “Just tell me what’s better — term or whole life?”

I told him, “That depends. Are we solving a temporary problem… or a permanent one?”

Term insurance is like renting protection -- it’s affordable. It covers you for a set period — 10, 20, 30 years. Great for income protection while kids are young or the mortgage is high.

Whole life (or permanent coverage) is like owning protection -- lasts your entire life. And it builds cash value over time.

One protects for a season. The other protects for a lifetime. Neither is “good” or “bad.”

They just solve different problems. The real mistake is having no plan at all.

Protection first. Structure second. Then build from there.

Need a free consultation? Request in the comments section.

02/23/2026

Don’t play with my growth. I’m not the same person I was last week, last month, or even earlier today. I’m allowed to learn in real time. I’m allowed to shift my mindset. I’m allowed to outgrow habits, reactions, and ways of thinking that don’t serve me anymore. Growth isn’t always dramatic. Sometimes it’s small — choosing not to respond, thinking before speaking, setting a boundary, walking away quietly. Sometimes it’s just deciding you want more for yourself. I wake up trying to be better than I was yesterday. Not perfect — just better. More aware. More disciplined. More aligned with who I’m becoming. I’m not stuck in old versions of myself just because that’s what people are used to. I’m evolving on purpose. And I take that seriously.

02/23/2026

Are you quietly anxious about your financial well-being? I mean, you're doing fine, but you can't help thinking about a few things that could undermine your plans. Am I right?

I understand. I've been there too.

If you're concerned about running out of money in retirement or worried that a market downturn could wipe out years of savings or maybe you're uncertain about saving enough or worried about making the best financial decisions, let's address those concerns together.

There are ways to adjust and create a more stable financial future.

This isn't about get-rich-quick schemes or complicated
investments, but rather proven wealth-building vehicles
that protect your principal, grow tax-free, provide penalty-free access and offer a predictable income stream.

Whether you've inherited a lump sum while dealing grief and the complexity of losing a loved one or you are looking to optimize your savings, IRA, RMDs, you have options.

Let's schedule a personal visit with a licensed and experienced financial professional to explore your choices and create a tailored plan.

No judgment, just facts, no obligation.

I am someone who cares and I am committed to helping you achieve financial clarity and security.

02/23/2026

02/23/2026

You don’t need more motivation.
You need a decision.

Most people say they want change.
Very few are willing to move differently.

If you’re tired of:
• Watching prices go up while your paycheck stays the same
• Wondering if retirement will actually be enough
• Feeling stuck because you’ve been somewhere “too long to leave”

Then stop scrolling and look at what’s in front of you.

This isn’t hype.
This isn’t get-rich-quick.
This is a real business with real systems and real people winning because they decided to stop playing small.

You can keep telling yourself “maybe later.”
Or you can get uncomfortable for a minute and see what’s possible.

Midlife isn’t the end of opportunity.
It’s where you finally stop caring what people think — and start building what you want.

If you’re serious, message me.
If you’re just curious, that’s fine too.

But don’t sit another year in the same spot wishing something would change.

Want to make an easy decision that will benefit the rest of your life? Join me on March 7th for Regional Training Camp in Virginia Beach. I will cover your ticket ($110 value)! You don't want to miss this!!

02/20/2026

Looks like I'm making compound butter this weekend thanks to The Foodie Mama Angie Zawistowski

I can't wait to have my fancy morning eggs!

02/20/2026

☀️Friday Morning Inspiration

It’s Friday—and if you’re feeling tired from the week, this is your reminder: God strengthens the weary. You don’t have to push through on your own. Where you feel weak, He provides power. Where you feel empty, He fills you again.

Finish this week leaning on His strength, not just your own.

“He giveth power to the faint; and to them that have no might He increaseth strength.” — Isaiah 40:29 (KJV)

Prayer:

Lord, thank You for renewing my strength. Empower me to finish this week with grace and endurance.

In Jesus name, Amen.

Reminder:

God’s strength shows up best when you feel your weakest.

Declaration:

I declare that my strength is renewed, my spirit is refreshed, and I will finish this week strong.

02/20/2026

What a special opportunity to be at this premier! The commercial that I filmed back in December ended up becoming Josiah's special project and a clip ended up in the YMCA documentary 'Who You Share It With'. I loved hearing the stories from staff, members, past and present CEOs. I had no idea they were going to invite us on stage to celebrate us for being a part of this movement.

It may have been just a small clip but it felt really big. I'm so glad I got to participate. And I'm excited for Josiah's vision for my story... Stay tuned, we need warmer weather!

02/19/2026

Hey hey hey. 👋
I got some incredible news. Lee Duncan CEO of Alliance Group is attending our Regional Training Camp!!!

If you're interested in what I'm doing, come check us out on March 7th in Virginia Beach. I will cover the cost of your ticket! Message me to get registered.

02/19/2026

My CEO is on 🔥🔥🔥

02/19/2026

Pray about it.

Your mood swings.
Your temper.
Your pride.
Your insecurities.
Your mindset.
Your self-love.
Your emotional state.
Your envy.
Your lack of motivation.
Your struggle to follow through.
Even your pattern of being drawn to the wrong people.

Don’t just bring God the polished parts of you — bring Him the messy parts too. The parts you don’t post about. The parts you’re still working on.

Give Him every piece of you. Every weakness. Every habit. Every thought pattern.

Pray about all of it. 🤞❤️