🎙️ The Truth About “Social Pressure”
The Middle Class Podcast • Episode 1
Welcome to the premiere episode of The Middle Class Podcast!
Hosted by Moshe Alpert (CLU®, CFP®, ChFC®, RICP®, AEP®), CEO of Ceremian Financial, this show explores the real financial reality of the middle class—balancing large households, community expectations, and long-term stability.
In this episode, Moshe sits down with Ari Boiangiu, a real middle class business owner and the founder of Blue Melody, a premier event band. Ari shares the honest truth about raising seven kids in Brooklyn while navigating the financial pressures of weddings, seminary, family life, and staying grounded. He brings a refreshing take on financial independence—while still appreciating the safety net of family support when it’s needed.
🔗 Follow Ari: @bluemelodygroup
🔊 What We Discuss:
[00:01:24] Who is Ari Boiangiu? Balancing life as a father of seven, business owner, and community figure
[00:04:46] The Business of Trust – How Ari built Blue Melody by prioritizing relationships over products
[00:08:40] Defining “Enough” – Why success means covering your bills without debt (Parnassah B’revach)
[00:11:34] The Taboo of Family Help – Accepting support with gratitude, not guilt
[00:21:12] Weddings & Social Pressure – The danger of going into debt for simchas and the value of takana weddings
[00:26:12] The Seminary Debate – Is the $35k+ price tag worth it? Pressure vs. personal values
[00:34:00] Financial Regrets – Why Ari wishes he started planning in his 20s
[00:40:40] The $1,200 Pizza Hack – How homemade dough saved thousands
💼 About the Host
Moshe Alpert is the CEO of Ceremian Financial, a firm dedicated to helping families simplify complex financial decisions.
“Comprehensive financial planning can feel like a daunting task. At Ceremian Financial, my team aims to create a plan that is simplified and actionable.”
💡 Sponsored by Chai Lifeline
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Have a question or topic you’d like us to cover?
📩 Email: middleclassalpert@gmail.com
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