Episode 320

The Subscription Model Changing the Financial Industry (No Net Worth Required!) with Joel Miller, CFP®

Published on: 19th June, 2025

Ever felt overwhelmed by financial lingo like IULs, ETFs, or why your advisor earns more when you invest more? In this episode of I Date Money®, Lisa Drennon sits down with Joel Miller, Certified Financial Planner and founder of Flames Financial Planning, to break down a revolutionary approach to financial advising: flat-fee, subscription-based service that actually puts your goals first. No commissions. No hidden agendas. Just honest, comprehensive planning that includes investments, tax filing, estate plans, and a whole lot of peace of mind.

Whether you’re working with $250K or $3M+, this episode is for the mompreneur ready to manage and multiply her money—without fear, shame, or overwhelm. Joel’s warm, faith-rooted approach makes even the most complex strategies feel like a cozy conversation at your favorite coffee shop.


Topics Discussed:

  • Why most financial advisors are still stuck in the old, commission-heavy model
  • How flat-fee planning eliminates conflict of interest
  • What the “gym membership” approach to financial planning really means
  • The truth about taxes: what most advisors don’t offer—but Flames does
  • Roth rollovers, IULs, expense ratios, and common investing fears demystified
  • Christian perspectives on money stewardship (and why “money is the root of all evil” is not the full story)
  • Why compounding interest is the quiet millionaire-maker
  • The power of consistency, not perfection, when building long-term wealth

Quote to Remember:

“It’s not about timing the market. It’s about time in the market—and trusting someone to drive while you enjoy the journey.” – Joel Miller, CFP®

Guest Info:

👉 Learn more about Flames Financial Planning: https://flamesfp.com

👉 Follow Joel on Instagram + YouTube: @joelmillerCFP


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Intro/Outro music "IDM" by Christa Lily

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About the Podcast

I Date Money
iDateMoney® helps mompreneurs manage cash flow, ditch debt, and build true wealth—without shame. Hosted by Wealth Activator Lisa Drennon, creator of the Money Multiplier System. It’s not what you make—it’s what you do with it. 🗝️🌬️💖💸
iDateMoney® Where Women Date Their Finances and Build Wealth—Without Shame.
They’ll tell you to hustle harder. Save more. Budget better. But here’s the truth: It doesn’t matter how much money you have—it’s what you do with it. 🗝️🌬️💖💸

Welcome to iDateMoney®, the podcast that helps mompreneurs take back control of their finances with clarity, strategy, and soul. Hosted by Lisa Drennon—Wealth Activator, money mindset expert, and creator of the Money Multiplier System—this show is where taboo ends and true wealth begins.

Each week, you’ll get a mix of raw conversations, mindset rewrites, spiritual insights, and practical strategies to help you crush debt without budgeting shame, master cash flow in your business and personal finances, save, spend, and give with purpose, and create a wealth plan you actually love living.

This is not your accountant’s podcast. This is real-talk money coaching for women ready to multiply what they already have and step into their financial sovereignty.

You’ll hear real stories. Tangible tools. Energetic alignment.
And the occasional money rant (because let’s be honest, some things need to be said).

Tune in, shift your money story, and start dating your finances—because wealth is your birthright, and it’s time to own it.

About your host

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Lisa Drennon

Lisa Drennon, Wealth Activator & founder of I Date Money™️ has been in the finance & insurance industry since 1987. Her unconventional Money Multiplier System transformed her money relationship to become a self-made millionaire, retire 2 ½ years early, pay $100K of debt in 6 months, & relocate to her beachfront dream home.