In this episode of The Money Lever Podcast, Josh Latimer breaks down a powerful and fast-growing trend that most business owners are completely overlooking: decentralized coaching. 

Josh shares why traditional, guru-centric coaching models are breaking down, why trust in big-name influencers is shrinking, and why small accountability groups are becoming the future of business growth. This episode explains how decentralized coaching works, why it aligns perfectly with human psychology, and how everyday business owners are already turning their experience into a highly profitable second stream of income. 

You’ll hear why everyone should have a mentor and be a mentor, how teaching others accelerates your own growth, and why helping people just two chapters behind you is often more powerful than chasing mass audiences online. Josh also explains why this model thrives in a world of AI, automation, and information overload—because trust, proximity, and real experience matter more than ever. 

This episode introduces the FRAP framework (Frequency, Referrals, Average Ticket, Pricing) as the backbone that makes decentralized coaching work at scale. Josh shares real examples of everyday operators who never coached before—and are now earning anywhere from $40,000 to over $500,000 a year helping other business owners. 

If you want a cleaner business, faster growth, more profit, and a meaningful second income that actually helps people, this episode will open your eyes to what’s possible.