Money is a tool. Financial Literacy is a skill you can learn. Dave Gallegos has spent the last 3 decades in the mortgage industry but what he has to offer is so much more than mortgage. Join us for a journey into financial literacy, brought to you by Zenith Home Loans.
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Subscribe to this weekly soccer podcast hosted by comedian and ex-pro Kevin Flynn and Dave Gallego as they celebrate the World's Game from an American Perspective. The boys at OTB delve into everything soccer from the latest action in the Premier League to the surging growth of the MLS, from the hysteria leading up to the 2024 World Cup to excitement, controversy and news coming from the USMNT and USWNT. OTB's expert hosts analyze the latest news, controversies, sensational plays, and stando ...
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Navigating the Mortgage Maze: Insights for Consumers with Jacalyn Forleo
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30:45In this episode of More Than Mortgage, host Dave Gallegos and his daughter Jacalyn Forleo discuss the intricacies of the mortgage process, the importance of understanding client motivations, and the challenges faced by first-time home buyers. They emphasize the significance of building relationships in the mortgage industry, navigating misconceptio…
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Demystifying Homeownership: Expert Tips for First-Time Buyers with Ryan Pettigrew
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19:19In this episode of More Than Mortgage, host Dave Gallegos discusses the intricacies of homeownership and financial management with expert loan officer Ryan Pettigrew. They explore the importance of understanding mortgage qualifications, the need for tailored financial strategies, and the common misconceptions that first-time home buyers face. The c…
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In this episode, Dave Gallegos discusses strategies for flipping the balance sheet on your financial life, by cutting costs and increasing income. He emphasizes the need for individuals to live beneath their means, analyze their expenses, and marshal all their resources to achieve their financial goals. Dave also shares some of his favorite books f…
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In this episode, Dave Gallegos discusses the importance of achieving financial balance through effective management of credit, spending, debt, saving, and investing. He shares personal anecdotes, including his son's journey to homeownership, and emphasizes the need for individuals to prioritize their finances, cut unnecessary expenses, and explore …
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Five-time MLS champion and veteran of 134 USMNT appearances, legendary defender, Jeff Agoos Joins the Boys at OTB.
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43:44In this episode of OTB, hosts Kevin Flynn and Dave Gallego sit down with U.S. soccer legend Jeff Agoos. A five-time MLS champion and veteran of 134 national team appearances, Agoos shares insights from his storied career, from playing in the World Cup to his experiences in Major League Soccer’s early days. Jeff shares stories from his extensive car…
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Legendary ESPN, Fox Sports, & FIFA Women’s World Cup soccer play-by-play broadcasting pioneer JP Delacamera shares his journey through the world of soccer
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52:05In this episode of Over the Ball, hosts Kevin Flynn and Dave Gallego welcome soccer broadcasting pioneer JP Delacamera. They discuss the recent performance of the US Men's National Team, the impact of youth in soccer, and the expectations surrounding new coach Pochettino. The conversation also touches on the current state of the English Premier Lea…
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MASL Commissioner Keith Tozer joins the boys on OTB to discuss indoor soccer’s bright future, MASL’s growth, his coaching legacy, and the evolution of the game.
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47:14In the latest episode of *Over the Ball*, the hosts dive deep into the US Men's National Team's disappointing performance against Canada, calling out their lackluster play, sloppy defense, and seeming apathy on the field. They also explore the brewing battle for the goalkeeper spot between Patrick Schulte and Ethan Horvath, while expressing cautiou…
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Soccer Media Guru John Bolster Joins the OTB Boys for an Epic Deep Dive into All Things U.S. Soccer
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34:56This week on the Over the Ball soccer podcast, hosts Kevin Flynn and Dave Gallego are joined by special guest and veteran soccer media guru John Bolster for an episode you won’t want to miss! Tune in as they dive into the excitement surrounding the start of the Premier League, share their thoughts on the new Hope Solo documentary, and take an in-de…
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In this episode, Dave Gallegos dives deep into how you can go from wherever you find yourself to sparkling credit in a relatively short period of time. Dave breaks down the individual stumbling blocks and how to handle them, late payments, judgements, liens, collections, even Bankruptcy. Tune in to learn why having perfect credit isn't just a lofty…
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Professors Rick Burton & Dr. Norm O’Reilly talk sports marketing and discuss their newest book, "The Rise of Major League Soccer"
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55:13On today's episode of Over the Ball, we're thrilled to welcome Professors Rick Burton and Dr. Norm O'Reilly, two of the foremost authorities in sports business and marketing. These accomplished scholars bring a wealth of knowledge and experience to the show, having authored several influential books on the sports industry. Their latest collaboratio…
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In this episode, Dave Gallegos emphasizes the importance of maintaining an excellent credit score and how surprisingly easy it can be to achieve. Dave breaks down simple, actionable steps to keep your credit in top shape, highlighting how good credit opens doors to better financial opportunities, lower interest rates, and more favorable loan terms.…
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Legendary Carli Lloyd, two-time FIFA Women’s World Cup champion and USWNT icon, joins hosts Kevin Flynn and Dave Gallego for an episode you won’t want to miss.
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45:44Carli brings her unparalleled experience, insights, and passion for the game, offering a deep dive into the recent performances of the USWNT and USMNT at the Paris Olympics, her experiences in soccer, and the impact of new USWNT coach Emma Hayes. Kevin and Dave explore Carli’s incredible career, her tireless dedication to her game and draw inspirat…
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In this empowering episode, Dave Gallegos assures listeners that homeownership is within reach for anyone with the right preparation. Dave outlines the essential steps to get ready for buying a home, from building a solid credit score to saving for a down payment and understanding your budget. He also sheds light on what banks are looking for when …
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Accomplished writer and commentator Michael Langdon shares “The Most Amazing Soccer Stories of All Time.”
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43:39This week’s episode of the "Over The Ball" soccer podcast, featuring Michael Langdon, offers an engaging deep dive into the world of football, hosted by an accomplished writer and multi-award-winning video producer. Michael joins the boys at OTB to discuss his book, 'The Most Amazing Soccer Stories of All Time', and share some intriguing stories fr…
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Author, magazine writer, and speaker Elizabeth Rusch visits OTB to discuss her book “A Greater Goal: The epic battle for equal pay in women's soccer--and beyond”
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41:32While Kevin’s lost at sea, Dave talks to author Elizabeth Rusch about her new book, 'A Greater Goal: The Epic Battle for Equal Pay in Women's Soccer and Beyond' to explore the fight for equality in women's soccer, the challenges faced by the women's national soccer team, and the need for a coach for the men's team. Elizabeth shares the inspiration …
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In this compelling episode, Dave Gallegos dives into the question begged by every op-ed about tue difficulty of buying a home: Should buying a home require sacrifice? Dave explores the rising expectations that have accompanied or perhaps driven a rise in prices. It’s a reframing of the issue meant to encourage & educate anyone on the home buying jo…
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Dave goes solo and talks with Columbus Dispatch’s Soccer Sportswriter Brianna Mac Kay about USMNT, the Crew, and the MLS All-Star game
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41:34Brianna Mac Kay, a sportswriter from the Columbus Dispatch, discusses the excitement surrounding the upcoming MLS All-Star game and the strong support for the Columbus Crew in the city. She also talks about the Save the Crew movement and the team's success under coach Wilfried Nancy. Brianna shares her experience covering the team and interacting w…
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Kyle Foley from the Orlando Sentinel joins OTB to discuss the Orlando Pride, USMNT, Kaká, Messi, Copa America, Euros, and Berhalter’s future.
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51:44In this electrifying episode of Over the Ball, hosts Kevin Flynn and Dave Gallego team up with Kyle Foley, the dynamic beat writer for the Orlando Sentinel, to dive deep into the world of soccer. The trio explores the phenomenal rise of the Orlando Pride women's team, breaks down the US Men's National Team's latest performances, and examines the tr…
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Did Boomers Have It Easier Buying Their First Homes?
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18:35In this insightful episode, Dave Gallegos tackles the question of generational financial differences. Dave compares the housing market conditions faced by Baby Boomers to those confronting today's first-time homebuyers. He explores factors such as interest rates, home prices, income levels, and economic conditions, providing a comprehensive look at…
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Michelle Kaufman, the Miami Herald’s talented veteran sportswriter talks about Messi, USMNT’s failures at Copa America, and Berhalter’s future.
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58:56
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58:56The Miami Herald’s lead sports writer, Herald’s Michelle Kaufman, joins OTB to discuss her experience covering soccer for 25 years, shares her insights on Lionel Messi's move to Miami, what’s next following USMNT’s losses at Copa America tournament, and the future of coach Greg Berhalter. Michelle Kaufman has covered 14 Olympics, six World Cups, Wi…
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Emergency Episode: USMNT Once Again Underperforms. Is Berhalter out?
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6:05Five years ago, Gregg Berhalter was tasked with rebuilding the U.S. men’s national team after their painful failure to qualify for the 2018 World Cup. His mission: to elevate a new generation of talent and restore pride to American soccer. Fast forward to the present, and the USMNT finds itself in a precarious situation at the Copa America. A surpr…
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Kevin and Dave dig into USMNT, the Euros, ticket prices, grass pitches, the NCAA’s demise, and Alex Morgan being left off USWNT.
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42:11On this episode of OTB, Kevin and Dave discuss USMNT vs. Bolivia, the Alex Morgan controversy, the Euros, overly harsh English fans, temporary grass pitches, skyrocketing ticket prices, changes inside NCAA and D1, and the pros and cons of the NCAA transfer portals. OTB Executive Producer, Ken Park, joins the boys for the shows new “Getting to Know …
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Your Interest Rate Is Not As Important as You Think
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17:27In this thought-provoking episode, Dave Gallegos challenges the common belief that interest rates are the most crucial factor in your financial decisions. Dave explains why focusing solely on interest rates can be misleading and shares what truly matters when it comes to managing your finances. By diving into the bigger picture, he helps listeners …
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Mike Woitalla, Executive Editor of Soccer America joins the boys at OTB to dissect USMNT recent performances.
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50:17Mike Woitalla, Executive Editor of Soccer America, joins Kevin and Dave to review the USMNT's recent performance. They analyze the team's lackluster game against Colombia and the friendly match against Brazil. The discussion also includes predictions on the significance of the 2024 Copa América for Coach Gregg Berhalter. With decades of soccer jour…
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OTB chats with South Carolina Women's soccer head coach, Shelley Smith about her winning strategies and insights.
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46:33On this week’s episode of "Over the Ball," Kevin and Dave dive deep into the beautiful game, beat up on USMNT for their loss to Columbia, and speak with Shelley Smith, the esteemed head coach of South Carolina Women's soccer. With an impressive track record and a wealth of experience, Coach Smith has led her team to numerous victories and has been …
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Here is the Secret to Financial Abundance
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15:41In this transformative episode, host Dave Gallegos reveals the secret to achieving financial abundance. Dave introduces listeners to a simple, yet powerful formula for financial success that anyone can follow. He also highlights the invaluable insights from JL Collins' acclaimed book, "The Simple Path to Wealth." This episode is packed with practic…
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Exploring the Evolution of Soccer in Austin and the US with veteran professional soccer writer, editor, and author Phil West.
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48:59Join us for an engaging episode of the Over The Ball podcast featuring Phil West, a seasoned professional writer and editor, and author of two influential books on soccer, ‘The United States of Soccer,’ and ‘I Believe That We Will Win.’ Phil brings his extensive knowledge and passion for the sport to our discussion, covering a wide range of topics.…
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Think the U.S. soccer system needs a shake-up? Hear from one of its biggest advocates! Ted Westervelt, known for his outspoken stance on promotion and relegation in American soccer, joins this week's episode ...
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55:44Ted Westervelt, known as @soccerreform on social media, is a prominent advocate for promotion and relegation in U.S. soccer. Born in Elgin, Illinois, he attended Scattergood Friends School and Earlham College. Westervelt's passion for soccer has made him a leading voice in the #ProRelForUSA movement, which seeks to implement a promotion and relegat…
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In this eye-opening episode, Dave Gallegos sounds the alarm on the increasingly popular Buy Now, Pay Later (BNPL) platforms. Dave delves into the hidden details and potential pitfalls that make BNPL options a risky choice for consumers. He breaks down how these seemingly convenient payment plans can lead to debt accumulation, affect credit scores, …
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Jonathan Tannenwald, Chief Soccer Correspondent for the Philadelphia Inquirer, joins the boys on OTB to stir up some controversy about his feelings for his hometown Union FC and their incredibly successful ...
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1:05:28In this episode of the Over the Ball podcast, the Philadelphia Inquirer's beloved Chief Soccer Correspondent, Jonathan Tannenwald, joins Dave and John Bolster (who is sitting in for Kevin), stirring up some controversy about his feelings for his hometown team the Union, uncovers some insight about the Philadelphia Union's incredibly successful yout…
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Celebrated soccer referee and podcast host of "Refs Need Love Too," David Gerson joins Dave and guest co-host, John Bolster to discuss the challenges and changes in the world of soccer refereeing.
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1:00:35In this episode of Over the Ball, soccer referee and podcast host David Gerson joins Dave and guest co-host John Bolster to delve into the challenges and changes in soccer refereeing. They tackle the rise in technicality and competitiveness in the game, while addressing the concerning lack of civility and excessive competitiveness among parents and…
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Getting Started on Your Financial Balance Journey
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15:42A journey of a thousand miles starts with one step and in this enlightening episode, host Dave Gallegos takes you through the first steps of a journey to achieve financial balance. He breaks down the five fundamentals necessary for a stable financial future and provides a practical roadmap for prioritizing the essential steps you need to take. Whet…
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Washington Post reporter Steven Goff discusses Memorable World Cup Moments, DC United's Progress and the Future of Soccer in the US.
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50:12Legendary Washington Post reporter Steven Goff joins the boys at OTB to discuss all things US soccer, including the performance of DC United, his favorite World Cup memories, and the upcoming Copa America tournament. Goff also shares his thoughts on the United States national team and their chances in the tournament. In this conversation, the hosts…
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Accomplished journalists Grayle Howlett and Alexander Wolff visit with OTB to discuss the new book “World Class: Purpose, Passion, and the Pursuit of Greatness” celebrating the legacy and writing of the ...
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48:41Grant Wahl seems to touch everybody he came in contact with his undeniable passion, integrity, honesty, and simple ethic of trying to write the truth without agenda or bias. Friends and accomplished journalists Grayle Howlett and Alexander Wolf both spent years writing for Sports Illustrated, Wolff having spent 36 years there covering basketball, t…
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In this intriguing episode, host Dave Gallegos takes a deep dive into the psychology of spending and the concept of 'Fear Of Missing Out' (FOMO). Dave explores how we often justify extravagant spending on non-essential items that don't contribute to our financial freedom, under the illusion of 'missing out.' However, rather than assigning blame, he…
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Monica Bosiljevac, Executive Director of Football for the World Foundation and Managing Director American Outlaws Discusses Soccer Altruism, Footy Fandom, and the Global Need for Youth Equipment.
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51:17Impressive. Inspiring. Passionate. Words that capture the personality and drive of ex University of Nebraska soccer player turned uber philanthropist Monica Bosiljevac. Monica's journey from college soccer to an eye-opening trip in Botswana revealed the global demand for sports equipment among kids. With a passion for sports ignited early in her li…
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In this episode, Dave Gallegos brings the receipts and delves into the rising trend of 'Buy Now Pay Later' programs across the financial world. He discusses the pitfalls of these programs, explaining how they can offer immediate gratification but also potentially lead to overspending and long-term debt. Dave provides insightful advice, urging his l…
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Skip Gilbert, esteemed CEO of US Youth Soccer and ex-goalkeeper for the Tampa Bay Rowdies, tackles the latest in the world of youth soccer on OTB!
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48:46⚽ Tune in as Skip Gilbert, esteemed CEO of US Youth Soccer and ex-goalkeeper for the Tampa Bay Rowdies, tackles the latest in the world of youth soccer on OTB! Don't miss this insightful discussion featuring this week's top soccer news, scores, and highlights. As a former goalkeeper with the Tampa Bay Rowdies and a two-time NCAA Division 1 All-Amer…
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🎙️ Celebrated Soccer Journalist, John Bolster joins OTB to discuss USMNT chances at CONCEAF, the Euros, and the Olympics, and of course Korbin Albert and the USWNT. 🌪️🇺🇸
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40:41🎙️Celebrated soccer writer John Bolster graces the airwaves on the Over the Ball Soccer Podcast to discuss USMNT’s chances at the CONCEAF tournament, his insights, predictions, and friendly banter about the upcoming Euros, USMNT’s chances at the Olympic, and of course the recent storm surrounding Korbin Albert’s controversial posts. 🌪️🇺🇸 John Bolst…
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The best time to plant a tree was twenty years ago, the 2nd best time is today. In this episode, host Dave Gallegos addresses a common regret among homeowners known as 'The ‘I Should Have Bought Sooner’ Tax'. Dave delves into the financial implications and psychological factors that lead to this sentiment. He discusses the advantages of entering th…
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Seasoned ESPN soccer analyst Jeff Carlisle joins Kevin and Dave to discuss the recent USMNT performances, MLS referee contracts talks, and soccer’s soaring popularity in the states.
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43:19From the NCAA to the MLS, from the Premier League to the World Cup, Jeff Carlisle brings his insider insights to the table, shedding light on the US Men’s National Team (USMNT), the intricacies of the MLS Referees contract, and the soaring popularity of soccer in the USA. Whether you’re a die-hard fan or a casual observer, this episode promises to …
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Join us as Johnny Avello from DraftKings dives into the exhilarating world of in-play betting in soccer with the OTB team! Discover why the sport's dynamic nature makes it a hotspot for live betting and ...
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38:43On this week’s episode of OTB, Kevin and Dave sit with a true legend in the world of sports betting, Johnny Avello from DraftKings. With over 30 years of experience, Johnny has been an influential figure in Las Vegas bookmaking. He spent 13 years as the executive director of the Wynn Las Vegas Sportsbook, where he became known for his on-point odds…
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In this episode, Dave Gallegos passionately argues that anyone can achieve excellent credit, and that most people are no more than 12 months away from qualifying for a mortgage. He thoroughly discusses various credit scenarios, from dealing with late payments and negotiating credit card rates, to managing collections, judgements, or liens. Dave als…
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Former NASL and Canadian soccer star Bob Lenarduzzi joins the boys at Over the Ball to talk Redding F.C., Team Canada, NASL glory, and the world's game from an American perspective.
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46:11🎙️Join Kevin and Dave on this week’s episode Over the Ball podcast as we dive into the captivating career and accomplishments of Bob Lenarduzzi—a living legend whose impact reverberates across stadiums, boardrooms, and hearts. Whether he was donning cleats or making strategic decisions, Lenarduzzi’s passion for the game has left an indelible mark o…
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The OTB team visits with American soccer Icon and former USMNT Captain Rick Davis regarding his pioneering days with the Cosmos and the NASL era.
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45:54In the annals of American soccer history, few names evoke as much reverence and admiration as Rick Davis. A true legend of the sport, Davis left an indelible mark on the landscape of American soccer during his tenure with the New York Cosmos in the North American Soccer League (NASL). With a blend of skill, tenacity, and leadership, Davis emerged a…
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In this episode, host Dave Gallegos introduces the five pillars of financial balance: Your Credit, Your Spending, Your Debt, Your Savings, and Your Investing. These fundamentals will serve as the backbone for future episodes of this show as Dave aims to use his expertise and the collective knowledge of the Zenith team to provide listeners with valu…
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Juan Carlos Amorós, the 38-year-old head coach of the NWSL Champion Gotham FC shares his wealth of experience he's enjoyed across global soccer, his coaching philosophy, and delves into the differences ...
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47:34Juan Carlos Amorós, the 38-year-old head coach of NJ/NY Gotham FC in the NWSL, is a rising star in soccer. With extensive global soccer experience, he has successfully led teams in Spain, England, and the U.S. Fresh from a thrilling NWSL Championship match win against OL Reign, Coach Amorós shares insights from his worldwide soccer ventures. He emp…
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Former U.S. men's national team captain, John Harkes, shares insights on his World Cup experiences, pioneering role in the Premier League as an American player, and early days of the MLS on this week's ...
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39:46Former U.S. men's national team captain, John Harkes, visits Over The Ball to delve into his Greenville experience and reminisce about the 1990 and 1994 World Cups. He reflects on the tragic death of Andreas Escobar and stresses the significance of honoring soccer history. Dave and Kevin explore Harkes' move from European play to MLS and the hurdle…
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Tracking and Measuring EVERYTHING About Your Finances
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15:35In this enlightening episode of "More than Mortgage," host Dave Gallegos addresses the common belief that homeownership is unattainable in today's economy. He provides a comparative analysis of the home buying experiences of the 80's and 90's versus the present day, shedding light on the real differences and challenges. However, Gallegos doesn't st…
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Legendary Chicago Sting Head Coach, 1981 NASL Coach of the Year, and National Soccer Hall of Famer Willy Roy, joins the boys on OTB
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42:27Legendary Chicago Sting Coach, Willy Roy, joins the boys on OTB to discuss Coach Roy's transition from player to coach, the demise of the NASL, and the Chicago Sting's historic win over the Cosmos in the 1981 Soccer Bowl. Dave and Kevin celebrate the Coach's National Soccer Hall of Fame induction in 1989 and his NASL Coach of the Year honors in 198…
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