Podcast
Real Talks on the Rocks
Hosted by Michael Acosta · EN
My name is Michael Acosta and I created this video podcast to inspire people to take control over their life through fitness, finances and mental health. I do this by sitting down face to face with those who believe in helping others become their best selves. My episodes are in long-form format because I believe that to build trust with someone you don’t know, you need to talk to them face to face.
Through my career in law enforcement, I have seen too many examples of people who genuinely believe that they don’t have a say in their own life or that someone else is responsible for their destiny.
I know that I will not solve everyone’s problems, but my goal is to provide you with the tools that you can use to take control of your own life. I hope that you as the listener can take something away from each of my guests.
New episode releases every other Monday at 8am PST!
10episodes
Episodes
Newest firstAll episodes
Mortgage Broker: Honest truth of how to afford a home in high cost areas
Jul 10, 202501:37:12Tap to summarizeChapters: 00:00- Preview 00:46-Intro 01:25-What you don’t know about mortgage brokers 04:48-Expectations people have about financing a home 09:19-the debts that most people are carrying 12:27-The 4 basic steps to wealth 15:30-Buying power examples 23:01-Do mortgage calculators work? 25:30-Buyers remorse 33:40-expenses: renting vs. owning 37:35-Buying for investment vs. primary residence 41:28-How much down payment do you REALLY need? 45:45-When housing inventory will SPIKE in the Bay Area 51:05-What the average Bay Area family can afford 54:55-Different home loans and their strategies 59:12-Is a 15-yr mortgage better? 1:04:12-What are reverse mortgages 1:16:38-How will Trump’s policies affect the interest rates? 1:22:30-ways to cover closing costs 1:29:11-Which homes appreciate the fastest
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A modern woman's take on DATING and CAREER
Jul 1, 202401:46:49Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Jessica Kleinschmidt, who is the pre/post game host for the Oakland A's baseball team. In this episode, we discuss the modern career woman and the challenges of dating in todays world. You can reach out to Jessica via her Twitter and Instagram at: https://instagram.com/jessicakleinschmidt https://x.com/kleinschmidtjd You can also follow me on:Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #dating #career #women Chapter list: 00:00-Preview 00:47-Intro 1:43-Jessica gets interested in sports media 8:00-The art of interviewing professional athletes 12:17-How sports media has changed 15:54-Can a career woman have a balanced life? 20:06-This is how you “have it all” 24:29-Your friends don’t understand your demanding career 26:37-Being a woman in a male-dominated industry 33:21-Dealing with haters and trolls 35:45-The amount of work no one sees! 40:31-Asking the tough questions of pro athletes 50:27-Why dating is hard when you can’t “shut it off” 53:09-The simple trick to dating a career woman 57:53-How millennials make it compared to their parents 1:03:51-Therapy: yes or no? 1:14:13-let’s talk money… 1:19:21- Missing out on a family?? 1:22:05-Dating: I date out of my area! 1:31:29-Why start a podcast 1:37:51-Advice for women who want a broadcasting career
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How to build a fitness empire!
Apr 22, 202401:37:53Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Markos Mosi and Christian Warren. HEar from two entrepreneurs how hoard it is to put the work in without regognition, why it needs to happen for you to win and how women work harder than men in the gym! You can reach out to Markos and Christian via their Instagrams at: https://instagram.com/feartraining https://instagram.com/tmcchr1s Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #fitness #money #womensfitness Chapter list: 00:00- Preview 00:35-Intro 01:37-Who is Markos Mosi 04:25-Who is Christian Warren 07:08-WHY Christian decided to go from 295lbs to a healthy weight! 12:30-Lack of Accountability in men today 17:40-What motivates Men 25:07-Hard truths of men in the gym 37:10-Avoiding mistakes in your 20’s 40:07-Is the fast lifestyle worth going to jail? 47:05-If you take out debt, OWN IT! 53:23-What does the future of work look like in this country 59:33-Growing your personal training business 1:05:01-online or in-person: pros and cons 1:16:53-Credit repair: what is it and WHY you might need it! 1:25:33-Credit cards for ALL of your expenses??? 1:32:35-Some people will never understand money
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Stop Making Excuses! w/ business owner Reza Morvari
Apr 1, 202401:24:32Tap to summarizeChapter list: 00:00-Preview 00:40-Intro 01:25-Why start an Acai bowl business 04:25-Researching a business idea 08:05-Starting and building a food truck 15:00-Creating a healthy food people WANT! 18:54-Building a food menu and WHY the story is important 23:50-Sourcing the BEST ingredients 31:20-Starting a business with a Friend: Good or bad? 42:30-Balancing marriage and business 46:48-How you run a business and NOT lose time with the kids 55:10-the LEAST favorite thing about owning a business 1:00:50-Balancing fitness with a busy schedule 1:08:42-Starting a second business in Junk Hauling
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Fixing Millennials money problems
Feb 19, 202401:40:05Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Rebecca Jameson, who is a certified financial coach based in Northern California. Rebecca talks about the financial avalanche that most people fall into, but don't want to talk about. From taking on debt, to working extra hours to make up for it, Rebecca walks the audience through how to stop this avalanche and how to get out of it.You can reach out to Rebecca at her website to arrange a FREE discovery call at: https://priorityonefc.com You can also reach out to her via Instagram at: https://instagram.com/bluelinemoneycoach You can email her at: rebecca@priorityonefc.com *Make sure to mention that you discovered her through this podcast! Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #money #millennials #finances Chapter list: 00:00-Preview 00:40-Intro 02:45-Wife of a police officer discovers money is tight 08:29-The Overtime Trap! 11:57-What expenses do most people have 15:38-What makes people ask for money help 18:58-How Rebecca starts with her clients 22:07-The old ways of living are DONE! 27:38-Owning a home is a horrible investment! 37:00-The student loan debt that people forget about 46:30-How much $$ in your emergency fund 58:39-What do we really VALUE 1:03:18-Why people DON’T want to fix their money problems 1:08:40-Talking about money BEFORE you have kids(Prenup) 1:14:17-What do women spend their money on1:24:40-Should one person pay ALL the bills 1:28:28-Single people can’t forget about this! 1:32:24-Nobody wants to admit this!
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Fixing the Mental Health of Millennial Men
Feb 5, 202401:45:51Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with former guests Zuberi Issa and Nick Palladino-King. This episode was all about what is keeping men today from being their best. Topics include relationships, creating boundaries, and what obstacles Men from two different generations have had to contend with. You can follow Nick on his instagram at: https://instagram.com/nickpalladinoking You can also check out his website at: https://tribefitsf.com Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #masculinity #realtalk #mentalhealth Chapter list: 00:00-preview 00:40-intro 06:00-What’s going on with men’s mentality today 10:56-Men can’t be vulnerable? 20:20-Expectations of men then vs. now 28:57-Men’s mental health 34:50-When men’s jobs leave the country… 44:55-What makes us change… 52:45-When men stopped being fathers 58:06-Whites and Blacks have the same challenges in life 1:05:10-long term relationship advice 1:13:20-Boundaries 1:18:55-When the “nice guy” became normal 1:22:35-How to create your own boundaries 1:36:15-How to WIN in a relationship 1:43:05-Final Thoughts
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Fixing the Masculinity Crisis and what most gym owners are doing WRONG!
Dec 11, 202301:59:20Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Nick Palladino-King. Nick is the owner of TRIBE, which is a fitness and yoga studio based in San Francisco. Nick discusses his journey from making 6-figures selling water, to becoming a mens mental wellness coach and personal trainer. Nick gives great insight into what men are lacking in todays world as well as what most personal trainers and gym owners are struggling with. To help motivate you to beginning your fitness and mental health journey, Nick is offering the month of December FREE at his gym! You can reach out to Nick on his instagram at: https://instagram.com/nickpalladinoking you can also check out his website at: https://tribefitsf.com Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #masculinity #realtalk #fitness Chapter List: 00:00-Preview 00:35-Intro 02:15-Getting robbed and changing his life 10:00-Why men chase the “cool toys” 11:55-Men lacking a “purpose” 16:05-Why men need to adapt to todays world 25:25-Men can’t compromise who they are! 33:12-When your testosterone is off… 37:29-How most men avoid depression 40:25-DO NOT be a people pleaser! 42:06-What life you are “supposed” to live 49:22-Why you should NOT chase happiness 53:40-Why you should NOT agree with me 58:38- Men and women are SUPPOSED to communicate differently! 1:06:25- Therapy is DIFFERENT for men vs. women 1:17:43-lack of male leadership 1:24:17-BAD living habits most people do! 1:26:05-Create your own path 1:29:30-Don’t start a gym without learning this… 1:38:25-Top 3 tips for gym owners 1:48:04-Secrets to a successful business 1:51:15-Make that New Year’s resolution stick! 1:56:30-Final Thoughts
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How to WIN the battle agains Homelessness and Fentanyl addiction!
Oct 30, 202301:44:13Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Tom Wolf, a returning guest who is also a drug recovery advocate. Tom talks about his battle agains the homelessness and drug/fentanyl epidemic in San Francisco and what most ordinary citizens don't realize about what happens on the streets. Tom speaks from his own personal experience being homeless and addicted to opiates about how ordinary people can help to make the changes that San Francisco needs!You can reach out to Tom on his X (twitter) account at: https://twitter.com/twolfrecovery Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #homelessness #drugaddiction #fentanyl Chapter List: 00:00-Preview 00:45-Intro 03:13-The state of San Francisco’s drug and homelessness 06:25-WHO are the drug addicts on the street 08:58-What IS working? 12:05-Is this ALL San Francisco’s fault? 18:11-Homelessness and drugs in other states 23:25-Do treatment programs work?? 27:05-Supply or Demand: what do we focus on 33:45-Where are the homeless coming from? 41:57-How do you help someone close to you that is addicted to drugs 44:59-The aftermath of Prop 47 in California 50:19-Mental Health workers: The REALITY 56:22-The reason WHY people won’t get off the streets 59:48-Fentanyl changed the game on the streets 1:03:28-The REALITY of why people don’t use homeless shelters 1:15:40-Do job programs really work? 1:21:08-Policing the infamous Tenderloin neighborhood 1:26:06-Q&A session 1:26:18-Question:Should I check on or ignore people who are lying on the street? 1:30:05-Question: Should I give money/food to someone holding up a sign? 1:32:34-Question: How do I help a friend/family member who is struggling with addiction? 1:37:11-Question: How can I figure all of this out as a voter? 1:41:40-Final Thoughts
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Overcoming the embarrassment of talking about money
Oct 16, 202301:50:01Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Miguel Delgado, a returning guest who is a financial planner. Miguel goes in depth on how millennials can save for retirement, how the stock market and housing market affect you in todays world and what you can do to become financially successful! You can reach out to Miguel on his Linkdin account at: https://linkedin.com/in/migueldelgadocfp Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks For all of the links to the other avenues to view/listen to my show, you can visit my website at: https://realtalksontherocks.com There you will find links to Apple Podcasts, Spotify as well as my Patreon page. You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #money #finances #retirement Chapter list: 00:00-Preview 00:35-Intro 01:45-How you can grow your wealth today! 03:25-What is a retirement account? 10:30-Change HOW you look at money 15:45-The REAL REASONS why people don’t save for the future 19:55-When is the RIGHT TIME to see a financial planner 23:20-HOW to find the BEST financial planner 37:50-These financial tips don’t work anymore! 45:10-The embarrassment that many of us have with money 50:48-Renting vs. Buying-The FINAL answer 56:50-Demographics might dictate your home equity in the future (see chart at zeihan.com)1:00:55-When buying a home is BAD! 1:07:30-Why does the stock market look so bad? 1:17:18-Q&A from the audience 1:17:45-Investing vs. Saving 1:20:55-BEST way to pass money between family members 1:27:08-The top 3 things financial planners wish everyone knew 1:31:45-Advice for todays 30-year old 1:38:25-How much should your emergency fund be? 1:41:07-Prioritizing saving/investing vs paying debt 1:46:28-Final Thoughts
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Why young women are not happy with their careers
Oct 2, 202301:42:51Tap to summarizeOn this episode of Real Talks on the Rocks, I sit down with Jovana "JoJo" Mendoza who is a life and career coach for young women. JoJo discusses how she became a life and career coach after obtaining her Master's degree and what challenges many of her female clients face when trying to follow the career path that they went to school for. You can reach out to JoJo on her Instagram at: https://instagram.com/jojo.mendozza Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks For all of the links to the other avenues to view/listen to my show, you can visit my website at: https://realtalksontherocks.com There you will find links to Apple Podcasts, Spotify as well as my Patreon page. You can also follow me on: Facebook: https://facebook.com/realtalksontherocks Instagram: https://instagram.com/realtalksontherocks Twitter: https://twitter.com/realtalksrocks #women #career #careerwoman Chapter list: 00:00-Preview 00:35-Intro 01:40-Why not just “settle” for a career 22:30-Raising 4 kids as a single mom 26:35-You think America is bad?? 31:00-The challenges of millennial career women 36:15-Impacting someone else’s kids 41:00-safety and security 44:05-Finances 47:50-Millennials and Debt 50:05-Job expectations for college grads 54:05-your job is NOT supposed to fulfill all your needs 58:15-The “golden handcuffs” of big $$ jobs 1:04:03-What childhood experiences used to be 1:08:10-career coach vs a life coach 1:13:40-When are you “ready”1:18:25-How to “ace” that job interview! 1:27:15-WHY we WANT to help others 1:31:15-Success stories! 1:35:20-What JoJo offers for potential clients 1:40:15-Final Thoughts
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