From $100K Debt to Generational Wealth with Oscar Subirats
Release Date: 09/17/2025
From $100K Debt to Generational Wealth with Oscar Subirats
Your Family Bank
What if your childhood money lessons set you up for failure instead of success? Oscar Subirats grew up in an immigrant family that built businesses but never mastered money. By 22, he had racked up over $100,000 in debt—until a wake-up call from his wife forced him to change everything. Today, he’s an author, speaker, and entrepreneur teaching families and companies how to build lasting wealth and break free from the debt-driven mindset. In this episode, Oscar and host Blake Johnson unpack: How to turn financial mistakes into generational lessons Why talking about money with kids isn’t...
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Introducing: Your Family Bank
Your Family Bank
Host Blake Johnson announces the podcast’s new name — Your Family Bank — and shares the personal story and client questions that inspired the shift. Tune in to learn how the show will now help you build lasting impact and raise empowered kids without entitlement. Whether you're building wealth or planning how to pass it on, Your Family Bank is here to help you do it with purpose.
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Myths & Truths about Personal Injury Law with Nate Nelson
Your Family Bank
Trusted with Blake Johnson, Episode 16 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with Nate Nelson, founding member of the law firm Nelson Jones in Salt Lake City, Utah, to discuss his work in personal injury law and how he shifted from insurance defense to representing injured clients. Tune in to the episode to hear about: - The importance of hiring a personal injury attorney, highlighting common misconceptions such as the nature of contingency fees and the real value an attorney can bring to a case - Red flags to watch out for when...
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Finding the Right Executive Assistant with Oriya Hirschhorn
Your Family Bank
Trusted with Blake Johnson, Episode 15 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with Oriya Hirschhorn, a seasoned Executive Assistant with over 20 years of experience, currently serving as the personal executive assistant to Chad Willardson, President and Founder of PACIFIC CAPITAL, a wealth management firm in Southern California, and ELEVATED, a coaching program for growth-focused entrepreneurs. In this role, Oriya provides acute entrepreneurial support, juggles many projects at once and manages back-end operations to ensure the smooth...
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Red Flags & Best Practices in Private Equity with McCall Harris
Your Family Bank
In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with McCall Harris of Trusted Estate Planning Attorneys, a seasoned attorney with six years of experience in private equity securities law, specializing in Form ADV and Form D/Blue Sky filings. A graduate of BYU Law, McCall combines her legal experience with a passion for helping clients navigate complex regulatory landscapes. Tune in to the episode to hear about: * Insights into McCall’s background, including her time at BYU, a service mission in Germany, and working in a back-office...
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Preventing Family Feuds: Lessons from Real-Life Estate Planning Stories
Your Family Bank
Trusted with Blake Johnson, Episode 13 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks about: * The necessity of proper estate planning to mitigate potential conflicts even for a family that gets along * Real-life stories highlighting the consequences of poor estate planning, such as property disputes among heirs * Risks associated with naming the wrong trustee and practical advice on selecting trustworthy trustees * The importance of clear communication with family members, and the regular updating of estate documents to align...
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Selling Your Business 101: Expert Advice from Wealth Manager James Schramm
Your Family Bank
Trusted with Blake Johnson, Episode 12 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with James Schramm, Certified Exit Planning Advisor with Raymond James. Tune in to the episode to hear about: * James’ career journey and the importance of preparing for business exits early * Distinctions between wealth managers and financial advisors, highlighting the comprehensive approach wealth managers take in serving high-net-worth individuals and their families * Key myths in wealth management and business exits are addressed, such as the...
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Estate Planning 2025: Preparing for the Expiration of the Tax Cuts and Jobs Act
Your Family Bank
Trusted with Blake Johnson In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson talks about: * 2025 Tax Changes — impending expiration of the Tax Cuts and Jobs Act and its potential implications * Tax Act Overview — background on the 2016 Tax Cuts and Jobs Act, including its impact on corporate tax rates and estate taxes, and the 10-year sunset provision * Estate Tax Planning Advice — advice for individuals with taxable estates, emphasizing the importance of planning ahead to navigate the changes effectively * Income Tax Considerations — strategies...
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Building Wealth Through Real Estate with Mortgage Lender, Sheldon Worthington
Your Family Bank
Trusted with Blake Johnson, Episode 10 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with Sheldon Worthington, a mortgage lender with expertise in real estate financing. With over 22 years of experience, Sheldon has a deep understanding of the mortgage industry and a commitment to educating clients on building wealth through real estate. Tune in to the episode to hear about: * Sheldon’s journey into real estate and his experience in mortgage lending * Sheldon’s personal motivations behind his career in lending, including a pivotal...
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Transforming Healthcare Through Giving with Cindy Woolley
Your Family Bank
Trusted with Blake Johnson, Episode 9 In this episode of the Trusted Podcast, your host, estate planning attorney, Blake Johnson, speaks with Cindy Woolley, Philanthropy Officer for Intermountain Foundation, the largest nonprofit health system in the Mountain West. Tune in to the episode to hear about: Cindy’s journey and qualifications, stemming from her experiences with medical challenges in her own family, which led her to a career in healthcare philanthropy Various ways of charitable giving, including annual, major, planned, and blended gifts, and the impact these...
info_outlineWhat if your childhood money lessons set you up for failure instead of success?
Oscar Subirats grew up in an immigrant family that built businesses but never mastered money. By 22, he had racked up over $100,000 in debt—until a wake-up call from his wife forced him to change everything. Today, he’s an author, speaker, and entrepreneur teaching families and companies how to build lasting wealth and break free from the debt-driven mindset.
In this episode, Oscar and host Blake Johnson unpack:
- How to turn financial mistakes into generational lessons
- Why talking about money with kids isn’t optional—it’s essential
- The surprising truth about debt, wealth, and legacy
This is a raw and inspiring conversation about stewardship, family, and creating opportunities for the next generation. If you’re ready to rewrite your money story, this one’s for you.
Connect with Oscar:
🌐 oscarsubirats.com
📘 Closing Intelligence on Amazon
🎙️ Ask Don’t Tell Podcast
Connect with Blake / Your Family Bank:
🌐 yourfamilybank.com