Podcast appearances and mentions of Dave Ramsey

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Welcome back to the Building Your Money Machine Show! Today, I'm pulling the curtain back on the 12 years I spent sacrificing my peace—all in the name of “being responsible.” Spoiler: doing everything by the book doesn't always get you the life you want. I've walked the Dave Ramsey road, then flipped my mindset with Ramit Sethi, and found what both of them missed. This is the episode where I get real about the cost of keeping your head down and the breakthrough that changed everything (hint: it involved a 6-year-old's drawing and a gut punch of realization).If you've ever found yourself hustling for safety, ticking every box, but waking up asking, “Is this all there is?”—this one's for you. Get ready for some truth bombs, laughs, soul searching, and a pathway to REAL freedom. Because earning more doesn't make you free. Building your money machine does.IN TODAY'S EPISODE, YOU'LL HEAR:The silent danger of living “below your means” for too long—and why responsibility can secretly keep you smallWhy asking “Can I afford it?” is a lack question in disguise (and what to ask instead)How Ramit Sethi's philosophy leveled up my life—but still left me running on the treadmillThe heartbreaking drawing from my son that shattered my workaholic facadeThe real difference between an earnings machine and a money machine (and why peace is the only upgrade that matters)Hit subscribe and join me as we stop trading our lives for dollars, and finally build a money machine that gives your time back. Ready to swap anxiety for freedom? Let's climb.RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE CONSTRAINT SCORE DIAGNOSTIC™:Take the free Constraint Score Diagnostic and discover what's really holding you back. In less than two minutes, you'll identify your primary constraint and get a personalized roadmap to reclaim bandwidth, reduce overwhelm, and move forward with greater clarity at http://TheConstraintScore.com

3 Takeaways from my conversation with CEO Oz Konar, Founder of Business Lending Blueprint: 1. Proof of concept before capital. Don't hide behind someone else's money. Sell the product first. If people are buying — then scale. 2. Financial literacy is a superpower. Build credit early. Understand debt. Know your margins. Money follows the prepared. 3. Take imperfect action. Stop waiting until everything is figured out. It never will be. Start now, learn fast. Watch How to Get Rich Interview with Alex Hormozi and Dave Ramsey: https://youtu.be/jvXOOddDg_s?si=FL2HlmeGrgCe_TLG   -- Oz Konar is the founder of Business Lending Blueprint, the largest education platform and community for business loan brokers, with over 5,000 active business loan brokers. He's known for helping people ethically connect small businesses with capital using proven, real-world lending systems built on fundability, credibility, and long-term relationships. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Oz Konar: Website: https://businesslendingblueprint.com Instgram: https://instagram.com/ozkonar  LinkedIn: https://www.linkedin.com/in/oz-konar  *E - explicit language may be used in this podcast.

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Online gurus such as Dave Ramsey, George Kamel, and The Money Guy Show will make the claim that whole life insurance is one of the worst financial products in existence, but what to financial experts with decades of experience and credentials have to say? In this video, Caleb Guilliams sits down with one of the those experts, Dan Flanscha CFP®, CLU®, ChFC®, RICP®, LUTCF to present the academic case for whole life insurance. This almost 4-hour, 8-part course was created to address common arguments against the concept of whole life insurance and infinite banking by analyzing the mechanics, philosophies, and strategies related to integrating life insurance into a broader financial plan. Dan presents the information from an unbiased and academic perspective that will leave you understanding the core concept of having permanent life insurance as one's financial foundation for wealth.In loving memory of Dan Flanscha: Sep 30, 1963 — Jul 20, 2026Watch the Interview on Youtube for Visuals - https://youtu.be/4AXGsED2GxkWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 – Introduction 00:45 – Part 1 - Life Insurance 101 46:42 – Part 2 - Top Books To Read On Life Insurance 55:34 – Part 3 - Enhancing Retirement Using life Insurance 01:40:46 – Part 4 - The Lost Opportunity Cost Debate 02:30:54 – Part 5 - Black Box Financial Planning 02:50:21 – Part 6 - Understanding Infinite Banking & Austrian Economics 03:15:38 – Part 7 - The Compound Interest Curve & Financial Efficiency 03:29:37 – Part 8 - What's Wrong With Mainstream Financial Planning 03:46:30 – ClosingDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Raising Future HEALTHY Adults with Elizabeth Pehrson (Episode 296)   Hebrews 12:11 NIV “No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it.”   *Transcription Below*   Elizabeth Pehrson is a speaker, podcaster and founder of The Exchange. She's a yellow sanguine, who is full of energy and lives life wide-open! She loves Jesus and meaningful connections. Elizabeth is married to David and mother of EIGHT children, who range from high school to graduated from college.   Follow her online:  Instagram: @long_game_parenting or @octomama or @theexchangeus Facebook: https://www.facebook.com/elizabeth.m.pehrson   Thank you to Our Sponsor: WinShape Marriage   Questions and Topics We Cover: What are a handful of habits in the home that you see as most essential for families so that they all can experience a joyful life together? What natural consequences and strategic discipline can you offer as ideas for teens living at home? As parents, what else can we do now to help our kids reach maturity and independence as adults?   Previous Guests from The Savvy Sauce Episode Mentioned: 74 Effective Parenting for Toddlers Through College with Wife, Mother to 8, and The Exchange Founder, Elizabeth Pehrson Part 1  75 Responding to God's Stirring with Elizabeth Pehrson, Founder of The Exchange, Part Two Inspiring Perspective in Parenting with Kay Wyma (Episode 164) Stories of God's Upside Down Economy with Kristen Welch (Episode 174)   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:11) ‍ ‍ Laura Dugger: (0:12 - 1:18) ‍ ‍ Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here. ‍ ‍ I'm thrilled to introduce you to our sponsor, WinShape Marriage. Their weekend marriage retreats will strengthen your marriage, while you enjoy the gorgeous setting, delicious food, and quality time with your spouse. To find out more, visit them online at winshapemarriage.org slash savvy. ‍ ‍ My returning guest for today is Elizabeth Pehrson, and if possible, we are going to get even more practical than we did last week, as we're going to discuss ways to actually enjoy parenting, while simultaneously preparing our children to launch as faithful and healthy adults someday. ‍ ‍ Here's our chat. ‍ ‍ Welcome back again to The Savvy Sauce, Elizabeth. I'm so excited to be here. ‍ ‍ This is fun. It's always a joy to get a chat with you, and we're going to go even more practical today, but do you mind sharing some disclaimers about that first? ‍ ‍ Elizabeth Pehrson: (1:32 - 1:57) ‍ ‍ Not at all. You know, when I was growing up, I grew up in the church, and I really looked at "train up a child in the way he should go, and when he's old, he will not depart from it," as a promise. And it really is a principle. And so as much as we want it to be A plus B equals C, it's not always that way. There are certain principles that we are to follow and God's asked us to, and so I think we need to focus on that and leave the rest to him. ‍ ‍ Laura Dugger: (1:57 - 2:28) ‍ ‍ That's so good. So, keeping that in mind, but then also hearing wise tips that we can hopefully implement. How do you think we can teach our children the importance of reciprocity, such as encouraging them to ask other people questions rather than just focusing the conversation on themselves, or encouraging them to do chores around the house, rather than just expecting their parents to do all the work or over function for them? ‍ ‍ Elizabeth Pehrson: (2:29 - 6:07) ‍ ‍ Oh, yeah, this one's right up my alley. I love this question so much. John F. Kennedy, you know, gave his famous speech, "ask not what your country can do for you, but what you can do for your country." And I think in the same way, we want each family member to ask not what can you do for me, but what can I do for the family. And we believe that wholeheartedly. ‍ ‍ And so, because of that, we started assigning age-appropriate chores at the age of three. And they have a chore every single day of the week, except for Sunday, even when they're busy, even when they have baseball, football, lacrosse, didn't matter what it was. We have this whiteboard in our home. And it's like the motherboard of all things in our family. And it's got on the top part of it, it has our calendar appointments, practices, games, meetings, you know, meals for the week, like everything you can imagine that it takes to run our family is at the top part. And then the second part of the whiteboard, we have a section that says, “because we clothe and feed you, and then it has their names underneath that. ‍ ‍ And so, when they leave for school, I look at the calendar, I look at everything that needs to be gotten done that day or that week for the family. And then I delegate it to each of the children. And so, I would assign them each a chore. And so, when they would get home from school, it was right there where they would walk in and put their backpacks down and they knew to look at their chore. And they knew that it had to be finished before dinner. And it made it so easy because there was no nagging, there was no reminding, there was no, you know, begging them to do it and following up, it was just so much a part of each of their day, just like going to school or brushing their teeth, it was something they knew they had to do. ‍ ‍ And in addition to that, in our home, when our children turn eight, we have this rule that you are no longer a consumer, but you are a contributor. So, at the age of eight, they have to start doing all their own laundry, washing their own sheets, and lots of other substantially harder chores. And then at nine, they have to start mowing the yard, they start cooking and things that actually really contribute to the family as a whole. ‍ ‍ And, you know, in the last episode, I talked a lot about modeling for our kids, you know, what we want them to learn. And as far as the, you know, talking about asking important, I mean, having them ask questions and reciprocity, it's the same thing as to you have to model it, right? You have to model that for your children. And so let them hear you ask the cashier how her day's going, you know, even if it embarrasses them, or, you know, how you speak to the waiter or the waitress, let them see you notice the neighbor struggling with something in their yard. Like let them watch you thank their father for taking the car to get the oil changed or taking the trash out just simple things like that. You know, something that our mentors taught us that we implemented with our children right away. ‍ ‍ And this was I cannot emphasize the impact that this had on our children enough. But when somebody anybody, but particular an adult asked you a question, you look them in the eyes, you answered their question. And then you responded with a question, you ask them a question that was a game changer. I can't tell you how many bus drivers, teachers, coaches said, “I've never had a student asked me how my weekend was.” I've never once, when they get on the bus asked me, ”How am I doing today? How was my day?” ‍ ‍ And again, it's not for any like praise or anything like that. But my point is, it's so countercultural that it stands out. And it's so important to have your children learn from a young age what it looks like to look an adult in the eye and ask her a question. If they can't do that, when they're older, they'll never be able to advocate for themselves. ‍ ‍ Laura Dugger: (6:08 - 6:21) ‍ ‍ I love all things countercultural. I think because a lot of times it does point back to Jesus, just even somebody experiencing that and having a wow factor. Ultimately, it's because the goodness of the Lord that they've just experienced. ‍ ‍ Elizabeth Pehrson: (6:22 - 6:23) ‍ ‍ Absolutely, absolutely. ‍ ‍ Laura Dugger: (6:23 - 6:38) ‍ ‍ So, do you have maybe a handful of habits in the home that you see as most essential for families so that everyone living there can enjoy and experience a joyful life together? ‍ ‍ Elizabeth Pehrson: (6:40 - 9:00) ‍ ‍ Oh, I'm sure that we do. I think joy in a home is rarely accidental. It's cultivated, it's intentional. And I would just say, ask what brings your family joy, and then do more of that. It's most likely going to be different for everybody. And I can only speak for us. But what we loved, what we did, family dinners around the dinner table were non-negotiable. ‍ ‍ There were seasons around the dinner table, that part was negotiable, because there were seasons, like we had four boys playing football. And so, we would have practices five nights a week and four games on Saturday. And so, we would take the dinner to the ballpark, and we would literally sit there as a family, because I wasn't going to constantly never have family dinner just for the six months in the fall, or winter, or whatever. But we used dinner time to ask intentional questions, to laugh, to tell stories. We joked, we role-played, that was a big one for us. ‍ ‍ Just as a family, we would do that together. And probably the best thing that we did, and the thing that we still do, is we make things fun. We play games, really fun ones. Not that board games aren't fun, those are fun. But instead of, our kids are grown now, and for Easter, they will all come home, and I will have created games out of Easter eggs with all different types. Not going to find them, but just different types. I'll line up 20 Easter eggs with different colors, and then the first person, they get 10 seconds to look at it. And then the first person that can replicate it with those colors. Things like that, what was in the Easter eggs, questions, that kind of stuff. ‍ ‍ One year, we did an Easter egg hunt, where we tied two people together. One was on the back, and the one below was blindfolded. So, the one on the back had to tell them where to go, and what to do. Or we leg-tied their legs together. Just things to make it creative or fun. At Christmas, we always play reindeer games. It's my kids' favorite thing that we do. We've often gotten in inflatables, and we've done an Easter egg hunt that way, where everyone's wearing these huge inflatables, or we play a kickball game. And that was our Christmas card this last year. But just anything that wants to make them want to participate, right? Want to have them want to come home. So that's what I would say. ‍ ‍ Laura Dugger: (9:01 - 9:18) ‍ ‍ I love it. And I don't remember the direct quote. It was from Bob Goff. But just saying how the more outlandish it is, or the more that you add variety or break from the norms, that's what they're going to remember. So, I'm sure your kids have incredible memories of all those holidays. ‍ ‍ Elizabeth Pehrson: (9:19 - 9:19) ‍ ‍ Yes. ‍ ‍ Laura Dugger: (9:20 - 9:38) ‍ ‍ I hope so, anyway. Oh, I'm sure that we'll have to steal some of those. But do you also have any stories to share for the payoff now that you're experiencing? Because when your children were little, you started them off with focusing on chores and hard work. ‍ ‍ Elizabeth Pehrson: (9:38 - 9:39) ‍ ‍ How long do you have? ‍ ‍ Laura Dugger: (9:40 - 9:42) ‍ ‍ Give everything you got. ‍ ‍ Elizabeth Pehrson: (9:42 - 14:13) ‍ ‍ Okay. Chores for children when they are young, it has proven to be the single biggest indicator of success when they're older. Hands down. Chores, specifically hard chores, they teach your kids responsibility. They teach them resourcefulness. It instills in them confidence. It instills in them capability. It instills in them competence. And I could give you example, after example, after example of how I've seen this payoff for my children. And I would say even in some ways, more importantly, how I have seen it negatively impact their friends, whose parents did not require them to work at home when they were younger. ‍ ‍ I remember my oldest son went off to college, and he called me after orientation and he's a man of few words, doesn't say thank you very often. And he said, "Mom, I have to tell you something." And I said, "What?" And he said, "You know, this is a pretty hard school to get into. And the people are competent. They're smart." He said, "I have never in my life seen a group of individuals that are so incapable of doing anything for themselves." He's like, "We're standing in line to get our, what's the ID, you know, their picture taken." He said, "Kid after kid on their phone. Hey, I don't, I don't have a credit card. I don't have a debit card. I don't know how to do this." He said, "I mean, and then he gets to college and it's like, they don't know how to get their oil changed. They don't know how to, you know, make their own doctor's appointment." And he thanked me. He's like, "I'm sorry. I resisted it when I was younger, but I just want to say thank you." ‍ ‍ And, you know, my daughter Libby called me one day and she said, "Mom, you know, you're not going to believe this." And I said, "What?" And so, she tells me of the story of her roommate, and her roommate had not left campus in six weeks. And so, she asked her, she said, "Hey, I thought you had a car here." And she said, "I do." And she said, "Well, why don't you ever leave?" And she said, "Well, I don't have gas." And she said, "Well, do you need money?" And she said, "Well, no, I don't need money." You know, she said, "I thought maybe you needed gas money." She said, "No." And she said, "Well, then what's going on?" She goes, "I've never put gas in my car." And that's not a chore, but that is a basic skill. Think about that, dropping your child off to college with a car and never having shown them or made them get their own gas. ‍ ‍ And then she called me a couple of weeks later. And she said to me, "Mom, did you know it's possible not to know how to hand wash dishes?" And I said, "Well, that's not possible. What are you talking about?" She said, "Well, she was just buying new dishes, plastic dishes. She was buying them because she didn't know how to wash them." And so, she said, "I said to her, hey, like you can just wash your dishes." She goes, "We don't have a dishwasher." And she said, "So I had to show her how to use soap and water to wash her own dishes." I mean, I could go on and on and on. ‍ ‍ I mean, I have another daughter that went off to college, and we were at the very first day moving them in and the mom was barking orders, telling everyone what to do. And after about 10 minutes, I was like, I went outside in the hallway, and I just sat down and removed myself. And her husband looks at me and he goes, "Wow, you learned quickly." And I said, "What does that mean?" And he said, "Get out of her way and let her do it." And I said, "Well, what about your daughter?" He goes, "Oh, she's never done anything for herself. She does everything for her." ‍ ‍ We got in the car to go home. And I just said to my husband, I said, "It's going to be really hard for our daughter because this girl's never done anything for themselves." I mean, I could give you story, after story, after story, but you know, when you require your children to put in hard work when they're really young, you know, they don't panic when life requires effort. Later on, they aren't entitled to comfort. They aren't entitled to other people doing things for them. You know, they know how to contribute, you know, wherever they land, whether it's in a dorm room, a house or, you know, college house or beyond, you know, my kids joke with me. They were like, "Mom, this can be a gift or a curse knowing how to do everything." And I said, "Well, what do you mean?" They're like, "Well, nobody else knows how to do everything. And they know that we do. So, they just want us to do it." And I was like, "Sorry about that. You know, sorry, you have to take care of it." ‍ ‍ But again, it's like, we are trying to train our kids up for independence, not to be dependent on us. And they go off to college or they graduate college, and they're already going to have first, like so many first being away from home, sleeping with a stranger in their same room, your dorm room, like so many things are going to have to navigate. And then do you want them to have to figure out how to do laundry, how to do dishes, how to I mean, no, it's like, wow, chores instill that. And then when they're really young. ‍ ‍ Laura Dugger: (14:14 - 14:23) ‍ ‍ So, did you and your husband sit down and map out everything that you wanted them to know? Or how did you come up with these chores? And what are some more examples? ‍ ‍ Elizabeth Pehrson: (14:24 - 16:09) ‍ ‍ Oh, yeah. And it's so interesting. It's so interesting, because I thought about this when I was thinking about our time together. But there's a book that we read. Well, there's a couple of books that we read that were pretty impactful. But one of them was called Cleaning House by Kate Wills Weima. And so, her 12 things, the idea of the book is to think about all the things you want to know your children know how to do and know how to do well when they leave home. And then you take one month and you just focus on that, that specific thing. And so, we sat down and her 12 things weren't our 12 things. Some of them were, but some of them were not. And so, we just did month after month after month of wanting them to know exactly, you know, how to do these things, you know, when we're grown, or when they're grown. And so we did that. ‍ ‍ But I mean, my husband, anytime he was working on the lawnmower, anytime he was doing anything in the yard, he gathered the boys around like, "Hey, boys, come on," and he was trying to show them or fixing the toilet or deal, you know, whatever it might have been. And I would do the same thing, whether it was in the garden, or whether it was in the kitchen, or whether it was outside with yard work, whatever, just to gather them around and involve them because they don't know. I mean, it's not their fault, but they won't know unless we show them. ‍ ‍ And one of the things I love is that the earlier you start showing them and training them up in these chores, and in this yard work, and in managing a home, the longer you have at home to train them up to do it well. But a lot of people think, oh, they're too young, or I'll just wait until they're older. Well, truth is, by the time they're 16, you really have very limited time with them. Very limited. And you're like, "Oh, when am I going to do that?" You know, they're at their sports, they're at school things, they're driving, they're with friends. And so, it's like, the earlier you can start the better. ‍ ‍ Laura Dugger: (16:11 - 16:22) ‍ ‍ So good, even I'm thinking we could even involve our kids in what else have we not thought of that you want to learn how to do because it really is a gift to be trained and to take that time. ‍ ‍ Elizabeth Pehrson: (16:23 - 16:32) ‍ ‍ I mean, and that kind of goes back to what we've talked about last time, you know, just being lifelong learners and curious, like, I don't know how to do this. But let's figure it out together. ‍ ‍ Laura Dugger: (16:33 - 16:44) ‍ ‍ Well, and I'm going to also link to a previous episode, I did interview Kay on that book. But do you remember the other one that you also read related to it? ‍ ‍ Elizabeth Pehrson: (16:44 - 20:24) ‍ ‍ Oh, yes, there was a season where there's actually two of them. But there is a season where my focus and my priority was riding entitlement from my children. I meet with moms all the time. And they're like, "My children are so spoiled." And I'm like, "Well, just I'm curious who spoils them." You know, and it really does start with us. It stems with us, even if it's the ones where moms will say, "Well, I mean, I don't give them that brand new thing, but their grandmother does." Well, technically, you're the gatekeeper of what comes in and out of your home, you can allow it or not allow it, you can say to them, "You know what, they don't need the newest iPad, they don't need the newest Lululemon or whatever. I want to, I want you to offer an experience with them, you know, something different, something like that, you can control that." But there was a season where that's all I saw. And I saw it in my children's hearts as well. And so, I read the book How to Raise Grateful Children in an Entitled World. And then I also read the book 7 by Jen Hatmaker long time ago, a lot of our philosophies have changed. But back in the day, long time ago, it was an entitlement, it said an experiment against a mutiny against excess. And so, it was another challenge we did, like we did the 12-month challenge from Kay's book, we did a seven-month challenge from her book, and we took seven areas where we have so much excess, and we stripped it down one month at a time. And I'm telling you, it was hard, not only because our children didn't want to do it, but it was hard for me, particularly the month of technology. I mean, you're talking no TV, no cell phone, no, I mean, other than phone calls, you know, no scrolling, none of that, no podcast, no, you couldn't use it just for a month just to have stillness, quiet. I mean, it was crazy hard. But then we noticed that the puzzles started coming out and coloring started coming out and creativity started coming out, you know, it requires 15 minutes of boredom, boredom for creativity to set in. And I would say the creativity did set in, and it was unbelievable. ‍ ‍ One month, we only allowed we got to choose, but we picked seven foods. That's all you could eat for one month. When you went out, that's all you could choose from. It was so hard. It was unbelievable. But what caught me so strongly was in her book, she starts out by saying she had three young children at home, and she was adopting two children from Ethiopia. And she had already been over to visit them twice. And they were literally starving to death. And you know, her heart just wanted them home. But because of all the logistics, she couldn't get them here yet. And she said one day she made fish sticks for her kids. And then she went up to go switch laundry. She came back down a few minutes later, and she saw all the fish in the trash can. And she was like, "What in the world?" So, she asked them, she said, "Did y'all not eat?" They're like, "We did." And she said, "Well, I just saw the fish sticks in the trash can." And they're like, "We didn't have ketchup." She's like, "You just threw away five pounds of fish, you know, whatever it was, because you didn't have ketchup. Yet we have two other children across the world that would give anything to have those fish sticks." And I was like, "I see that with my children. It's like, I don't want that. Or I don't care for that. Or that clothing, I'd rather something else." And so, for one month, they only could wear seven articles of clothing total. That's it. And it's crazy, because you think everyone's looking at you like, "Why are you wearing the same thing every single day?" No one even cares what you're doing. But it just changed your whole mindset and perspective. So, entitlement was a big one for us. And those two books were super helpful with that. ‍ ‍ Laura Dugger: (20:25 - 20:28) ‍ ‍ Well, and even it sounds like a version of fasting. ‍ ‍ Elizabeth Pehrson: (20:29 - 20:53) ‍ ‍ Oh, absolutely. I mean, we've told our kids all you know, since they were young, it doesn't matter what it is. Whatever you can't fast from owns you. It does, whatever that is. And so, some months the food was harder for others for some month, the clothing was harder, the girls, the clothing was harder. You know, the boys could care less for some month, it was a technology, but it's like whatever it is, it's got a stronghold in your heart. That's what owns you. ‍ ‍ Laura Dugger: (20:54 - 23:23) ‍ ‍ And now a brief message from our sponsor. ‍ ‍ Friends, I'm excited to share with you today's sponsor, WinShape Marriage. Do you feel like you need a weekend away with your spouse and a chance to grow in your relationship together at the same time? WinShape Marriage is a fantastic ministry that provides weekend marriage retreats to help couples grow closer together in every season and stage of life. From pre-marital to parenting to the emptiness phase, there is an opportunity for you. WinShape Marriage is grounded on the belief that the strongest marriages are the ones that are nurtured, even when it seems things are going smoothly, so that they're stronger if they do hit a bump along their journey. ‍ ‍ These weekend retreats are hosted within the beautiful refuge of WinShape Retreat, perched in the mountains of Rome, Georgia, which is a short drive from Atlanta, Birmingham, and Chattanooga. While you're there, you will be well-fed, well-nurtured, and well-cared for. During your time away in this beautiful place, you and your spouse will learn from expert speakers and explore topics related to intimacy, overcoming challenges, improving communication, and more. ‍ ‍ I've stayed on site at WinShape before, and I can attest to their generosity, food, and content. You will be so grateful you went. To find an experience that's right for you and your spouse, head to their website, winshapemarriage.org/savvy. That's W-I-N-S-H-A-P-E marriage.org/savvy, S-A-V-V-Y. Thanks for your sponsorship. ‍ ‍ Another big topic is discipline, and that's something that parents are consistently interested in discussing, probably so that we can all balance rules and relationship. For any of the other parents who are also exhausted and maybe don't know what consequences to utilize as they seek to influence their children, what are some natural consequences and strategic discipline that you've offered before or that you can think of, especially with teens in the home? ‍ ‍ Elizabeth Pehrson: (23:25 - 27:02) ‍ ‍ Yeah. Discipline basically means to disciple, and so we're training our kids up. We can't expect them just to know it on their own and intuitively think, that's not a wise choice, so I shouldn't make it. We're here because they need us. God entrusted them to us. But I love that you said consequences, because that's really the way I choose to look at discipline, because childhood is meant to be training ground for independence. ‍ ‍ Natural consequences, in my opinion, are the best way to do that, because I think consequences should connect directly to their choices, to my choices, because as we tell them, every single choice you make, every single one has a consequence, good or bad. You're going to have a consequence. You reap what you do, so therefore it is so important to acknowledge and recognize what you choose. Not my response to it, but to what you choose. ‍ ‍ You oversleep an alarm, which is, you know, middle schoolers and high schoolers are known to do. You oversleep the alarm, you experience the discomfort of being late, whether that's missing the whole day because you as the mom are busy doing other things, or you're at work, or maybe you just missed that test the first period and you can then drive yourself to school, but you have to suffer that consequence. I'm not going to rescue you from that, or you know, you forget to bring in a project that you have worked on for days and days and days and days, and you forget to bring it in. Your grade will reflect that. That is a natural consequence. ‍ ‍ I had a son, I won't name him, but I had a son that chose to make the decision to cheat on a chemistry test, and the teacher called me and said, in high school, AP, and said, "You know, he's a great student, he made a poor choice, he didn't study, he's busy with football," and she said, "So I'm going to let him retake it," and I said, "No, he chose to make that decision. Please fail him like you would do any other student. I do not want him to ever, ever, ever consider doing this again," and she goes, "Well, it might be on his transcript." I said, "Okay, so be it, but I'm more interested in his long-term character and who he's becoming than I am about his AP chemistry score. I'm more interested in that," so the natural consequences, or to give him a zero on that. ‍ ‍ You know, you have the stud athlete as a son, and they forget their cleats or their jerseys at home. Guess what? They sit out from practice. They sit out from the game that afternoon. You know, it's not going to be the end of the world. Although we think it is, they think it is, it's not. So, I try to think of discipline, you know, not as punishing, but more as preparing them for adulthood, and you know, like we talked about the other day, I encourage moms not to bail, but to let them fail. I mean, it literally could seem like the end of the world to your child, but in the grand scheme of things, it has no bearing on their life later on, but many moms treat every little thing as if, you know, but I just try to tell moms when I meet with them, your child's employer will not care what they made on a middle school project. They won't. If they forgot it and got a C, your employer, their employer will not care that they made a C on that, or maybe even an F. They will not even care what your son or your daughter's high school GPA is. They will not care if you missed that baseball game, you missed that tournament, but they will care if you are hardworking, if you're responsible, if you take ownership for your actions, and I think natural consequences are the best way to teach all of those things. ‍ ‍ Laura Dugger: (27:03 - 27:13) ‍ ‍ Well, and I would assume if we actually follow through, it's so painful in the moment, but it probably doesn't take many times to learn that lesson. ‍ ‍ Elizabeth Pehrson: (27:14 - 29:29) ‍ ‍ No, not at all, and particularly if you have multiple children. I remember I was giving a talk on entitlement and how we rescue our children so easily, and I was setting up, and so I was getting things out of my car, taking things back and forth into this, you know, building where I was setting up, and as I get into the back seat, I see this project that my daughter literally had been working on for two weeks, and when she got out of the car that day, she left it, and I just thought, "Oh, here I am talking about this. I can either do it, nobody will know, take it up there, but then I was like, no, what does that teach her? Mom's going to bail me out every single time," and it was like, ah, it crushed me, crushed me, but I was more interested in what's going to happen for her long term, and another thing, if you have, if you have siblings, multiple children, they can learn from each other, not just from their own personal suffering. ‍ ‍ That same daughter, I'll never forget it. She came home from school. She was in the third grade, and my kids know, like, your schoolwork is on you. It is not on me. I have already been to kindergarten. I have already been to third grade. I've already been to high school. It is on you, and I email the teachers at the beginning of the year. I just want you to know that my third-grade daughter will be doing her entire projects, schoolwork, tests, grade, everything will be her, so please, please grade her on a third grade level, because what's happening is parents are doing their projects, parents are doing their papers, all of the things, and so it's like, wow, hers looks terrible. It is on par for a third grader, though, you know, so I email the teachers at the beginning, and I let them know that they are responsible. They can choose to teach them in any way that they want, discipline them in any way they want, and my daughter came home from school one day, and she had this big thing due the next day, and she was like, "Mom, oh my goodness, I left it in my desk. Would you please email her and see if I can come in early in the morning and get it and work on it," and I said, "Sure," and all my kids were like, "You will," and so I emailed, and I said, "Dear Mrs. Prilliman, she left her, you know, her assignment in her desk. Please feel free to punish her and discipline her in any way that you see fit," and she's like, "Mom," you know, she was so upset, but the other kids are like, "Mental note, I will never do that," you know, so they can learn, you know, from each other as well, so. ‍ ‍ Laura Dugger: (29:30 - 29:50) ‍ ‍ That is a benefit of having siblings. I love hearing those stories. That helps it sink in, but Elizabeth, also, what can we be doing while our children are still in the home in hopes of them experiencing wise financial stewardship and freedom financially when they leave home? ‍ ‍ Elizabeth Pehrson: (29:51 - 32:34) ‍ ‍ Yeah, I'm going to be very honest. David and I were not the best at this. It's not our greatest strength, that is for sure. It is not our natural genius, and with a family of 10, money was always tight. It really was, but we didn't want our kids to feel the weight of that. We didn't want them to feel that burden, but having said that, we did teach them delayed gratification. We did teach them saving before spending, distinguishing wants from needs. That's a big difference, working for what they desire or what they wanted, and they had to participate in paying for part or all of what they wanted, and that included travel sports. I mean, you know, there were times where we had five or six in travel sports. I mean, it's thousands and thousands and thousands of dollars, and so they either had to contribute financially if they could, depending on their age, or I remember one year, my son was young, and he wanted to do it, and it was going to be $2,800, and he was very gifted in baseball, and we wanted him to have this experience, but we knew that it was going to impact the entire family because all of our kids were still young. ‍ ‍ It wasn't like we could leave them at home. Everybody would be going every single weekend to all these different places, and so we said, "Okay, we're going to sit down as a family, and we're going to talk about this," and so they agreed. They wanted him to do it. They wanted to go to all these tournaments as a family, but so we decided that we would not eat out until that was paid off, the equivalent of that was paid off, and anytime anyone wanted to like stop at McDonald's or pick up something, we're like, "Remember, we're paying for Jack's baseball," and it was a family effort, and so, you know, I mean, it could be their homecoming dress if they want something extravagant or things that were above and beyond, you know, over a roof over their head or food on the table or clothes, you know, their basic needs, but just tried to model financially real life, and we all know that just because we want something doesn't mean we get it. It doesn't work that way, and when we give our kids everything they want, I would argue that we are setting them up and sometimes their potential future spouses up for failure because I don't know if you know this, but this generation is the first generation not to have as to make as much or have as much as their previous two generations before them. ‍ ‍ Typically, we make more than our parents and our grandparents, but this is the first one not to, and that's why grown adults are still living at home, so it's like, wow, if we can model this for our kids, you know, that, hey, just because you want that extra thing doesn't mean you get it. You got to work some extra jobs. You got to pick up some extra shifts, you know, maybe ask for some money chores at home, you know, that we would offer them, but we just tried to model it for real life, but like I said, it wasn't our greatest strength. ‍ ‍ Laura Dugger: (32:35 - 32:41) ‍ ‍ Oh, I bet even more of a strength than you realize just hearing that example. I did not know that about the generation. That's fascinating. ‍ ‍ Elizabeth Pehrson: (32:43 - 34:15) ‍ ‍ Yeah, I mean, one of my all-time favorite, there's a TED Talk. It's old. It's like a really short one, and I'm blanking on the lady's name, but she was in college, and her dad was an attorney, and he was very affluent. They had a lot of money, and back in the day, I think this was like in the 90s, 2000s maybe, there was this new pair of jeans that were out, and they were $120, and every other pair of jeans were like 50 bucks or something, you know, 40 bucks, and so she called her dad, who could easily afford it, and said, "Dad, oh my gosh, I need a pair of these jeans. Everybody," she was in college at University of Florida. "Everybody has these jeans. I want a pair," and he goes, "Okay, well, what are you going to do to go get the money?" She's like, "Dad, come on. I know you can give it to me." He said, "No, that's not the way life works," so she happened to be in the student center, and she saw one of those little advertisements, need a house cleaner, and she's like, "My parents made me do chores. I know how to clean a house," so she pulled the little number. She went to the lady's house. She cleaned her house, got the 120 bucks, and the lady said, "Well, when are you coming back," and she said, "Oh, no, no, I just needed one pair of jeans. Like, you know, I'm not coming back," and she said, "No, you did an amazing job." Well, this girl went on to start an organization while she was in college, a business. Now, it's like on a Fortune 500 something. I don't even know, but it's called Student Maid, M-A-I-D, and she had 500 employees by the time she was a senior, and she was cleaning apartments, houses, but her dad had given her the 120 bucks because he could to get the pair of jeans, so it's like, get out there and figure it out, and so I just love that story. ‍ ‍ Laura Dugger: (34:16 - 34:34) ‍ ‍ Wow, I love that as well, and totally different topic, but when it comes to caring for our health and our bodies, if we truly believe our bodies are a temple for God, what are ways that we can model and encourage our children to live wisely in that way? ‍ ‍ Elizabeth Pehrson: (34:35 - 37:07) ‍ ‍ Yeah, I'm glad you said model because really that's what it comes down to. I mean, if they see us beating ourselves up, not prioritizing sleep, not moving our bodies, not eating well, you know, that's what they're going to do. I mean, it's just history has proven itself. You can look at cultures. Those that move their bodies, sleep, rest on the Sabbath, I mean, they're a healthier culture, and so all of those things, you know, eating with balance, not obsession, resting on Sundays, I mean, even in the church world, that's almost unheard of to take the Sabbath off, and I would really say, particularly if you have daughters, not that it doesn't matter for sons as well, but it really impacts daughter is speaking respectfully about the body that God has given you. ‍ ‍ I sadly see so many women talk trash about their own looks or their own appearance, their body, if I could just fix this, I wish I didn't have this, and then they expect their daughters not to do the same, you know, and so when we say, "Oh, honey, you're beautiful," they're like, "Well, you don't think you are," you know, and they see right through it. I mean, I want my daughters to be strong, not skinny, right? I want them to be healthy, not appearance driven. I want them to know that mom got up and went to the gym every morning. Mom made sure she got outside and got sunshine and got on a walk, you know, culture already put so much pressure on these young girls and their size. Oh, my goodness, it like just breaks my heart, and so the last thing they need is for us to start, you know, for striving for unattainable goals, right, that put an expectation on them and their appearance. I mean, that's the last thing that they need, and so David and I have always tried to, well, I would say we tried very, very, very, very hard to compliment their character and their effort, but never their appearance. ‍ ‍ Most of the times when you hear parents applauding and just talking about how good looking someone is, how beautiful they are, it's nothing that they did to earn. I mean, you'll hear something. My son is so tall and big and strong, and I'm like, he did nothing. God gave him that, you know, and if you happen to have a very small son like I do, and if that's what you're praising over here, what does that speak to this child? Or, you know, oh my goodness, you're so beautiful, and so we try to focus on their heart, the internal, their, you know, the stewardship of what God has given them, but never appearance. It's more taking care of the body, and we believe the important part of that is the heart and the soul. So, we just want them to have the goal of honoring the life that God entrusted to them, the body that God entrusted to them. ‍ ‍ Laura Dugger: (37:08 - 37:21) ‍ ‍ Such wise principles, and then when we think about spiritual life as well, what wisdom can you share for parents who want to help their children cultivate a flourishing spiritual life? ‍ ‍ Elizabeth Pehrson: (37:22 - 39:19) ‍ ‍ Well, one prayer for our children is that they would each have a faith of their own, you know, not one that's handed down, not a formula, you know, but a relationship with Jesus, and so with that in mind, we tried to focus on the heart of who Jesus is and not the rules of God. You know, we never wanted them to view God as this like scary judge, you know, with his gavel, like handing down these judgments, but a God who genuinely loves them regardless of what they do, and so we wanted that to be their own unique personal relationship, not one that looks like ours, acts like ours, you know, it's like this cookie cutter, so we encourage them just to pray naturally, not formula, you know, like formally, but we talked about God in a real casual way, like in our coming and our going, not this big Sunday conversation, you know, you have at the dinner table after church, but we wanted them to see our own dependence on God, which was every single day, and we wanted to create space for them to have their own unique personal faith, and one thing I've learned is that faith cannot be manufactured, but you can cultivate the soil where it grows, and I'll just say this really quick, in an effort to have them have a faith of their own, it was so neat, they all went to the same church, but their faith looks so differently, different from their siblings, and there was a time we had all four of them at one college in Athens, and so they're all there, and we were visiting, and I said, "Hey, well, you know, we'll go to church tomorrow morning, you know, with y'all," and they all kind of looked at me like I had three heads, and I thought, "Well, don't y'all go to church, please tell me I'll go to church," you know, that's not what they meant, they all four went to completely different churches, wow, I was mind blown, I was like, "This is the most ecumenical family I've ever met," like I was like, I had no idea that that is how different the relationships with the Lord are, as for what they were seeking in a church, and I was just so grateful for that. ‍ ‍ Laura Dugger: (39:20 - 40:17) ‍ ‍ When was the first time you listened to an episode of The Savvy Sauce? How did you hear about our podcast? Did a friend share it with you? Will you be willing to be that friend now and text five other friends or post on your socials anything about The Savvy Sauce that you love? If you share your favorite episodes, that is how we continue to expand our reach and get the good news of Jesus Christ in more ears across the world, so we need your help. Another way to help us grow is to leave a five-star review on Apple Podcasts. Each of these suggestions will cost you less than a minute, but it will be a great benefit to us. Thank you so much for being willing to be generous with your time and share, we appreciate you. ‍ ‍ One other practical thing too, do you have just any tech tips, especially because you've raised so many teens already? ‍ ‍ Elizabeth Pehrson: (40:17 - 42:06) ‍ ‍ Oh, tech tips. You know, we had this big charging station in our kitchen, and so the kids had to put their phones there at night, and it would charge like all of them, and so we could see if the phone was not up at night, and there were some serious consequences if they broke those rules. I remember one time my daughter, after we went to bed, she snuck back downstairs and got her phone and brought it upstairs, and anyway, I kept getting these notifications come through on my iPad, and I was like, "What in the world?" Well, I didn't even realize the clouds, or it's over my head, but whatever reason, hers was beeping on mine, and so we went in there, and she had her phone under her pillow. She was texting somebody, and so when she got home from school that next day, her door was off of the hinges, and she was, you know, as a middle school girl, her privacy was so important. I was like, "You can change in the bathroom, you know, but you have shown us that you cannot earn privacy right now. You don't make the choices with it," but it is really hard. ‍ ‍ I think a lot of people, their natural inclination is just to remove it all from them, but I hesitate to encourage anyone to do that, because the truth of the matter is the world we live in is full of technology, and if you just completely say you can't have it, and the next thing you know they're 18, they go off to college or whatever the age is, and you give it to them, they haven't been in the home where you've been training them up how to manage your time with it, put, you know, limits on the time, how much you can spend on it, that kind of thing, and so it's like you're never going to outsmart your children in technology. They're already smarter than you are, but it's like how can you help them with the time management, you know, letting, talking with them about like what they're putting before their eyes on the technology, that kind of thing. The same goes for TV. You know, we would never watch something in front of our children that we would want them to think is normal ever, you know, and so it's like it's not, we don't want to normalize that. ‍ ‍ Laura Dugger: (42:07 - 42:33) ‍ ‍ That's good, and really I'm hearing this theme, a key ingredient for everything we've discussed so far is actually a fruit of the spirit, self-control. So, knowing that discipline and self-control are actually going to lead to freedom, how can we help our children grow up to live an appropriately disciplined life? ‍ ‍ Elizabeth Pehrson: (42:34 - 45:53) ‍ ‍ Yeah, my dad used to say this thing all the time. He would say, "The slave to the compass has the freedom of the seas. The rest must sail close to the shore," and it's so true. I mean, we have, if you want to do that, you have to come under the authority of the boat. In other words, you can't just do whatever you want on a boat and be able to sail the whole ocean. It doesn't work that way. You have to follow the captain's orders, and you have to follow the mechanisms that make the ship move, right? And so, it's like, but if you do that, if you master that, if you're a slave to the compass, to the sails, so the way the boat works, you can have the freedom of the seas. And the same is true of discipline and of self-control, right? We must exhibit that in order to have freedom. ‍ ‍ And so, when our children exhibited obedience and discipline and self-control, we then gave them more freedom, you know, more responsibilities. And then when they didn't follow instructions, like my daughter with the cell phone, you know, they didn't do what was expected of them. We pulled in the reins a little bit. Dave Ramsey, years and years ago, before I, my children were older, he shared the analogy of the rope, and I loved it because he said, you know, the more your children exhibit responsibility, making the right choices, they're being obedient, you let out that rope. And that one end, it's almost like you've got a rope around their waist. You're letting it out, letting them experience more independence. But then the second that they don't do that, you kind of rein it back in. If they make a poor choice, they stay out past their curfew, whatever it might be, you pull it back in. And so, it's a very important analogy for his family. ‍ ‍ So important though, when his oldest daughter went off to college, Rachel, you know, she goes off to college, he wraps up this beautiful gift, and it was a rope. And it was the rope with the round. And he said, and it had, he tied things on it, like she went to Tennessee, I think. So, it had like an orange thing on it. And then it had the colors of her high school and all these things that represented her life. And he said, "Hey, for 18 years, I've been holding on to this end of the rope. But now it's time I let it go. And I'm giving it to you; you're going to manage that rope all on your own." And so, it meant the world to her because they knew how important and so she put it on her doorknob in her dorm room. And every time she left and entered, she saw that, you know, that rope realizing that she was responsible for how far she let that thing out and how far she pulled that in. And so, discipline, self-discipline is huge. ‍ ‍ You know, at the end of the day, we just wanted to show our children that discipline and self-control, it isn't a restriction, right? It's the pathway to freedom. And I've got to tell you; my kids are more disciplined than I am. I mean, my two oldest sons are 26 and 25. And they set timers on their phone. And so, they literally can only and each other has the passcode so they can't even override it. They can only be on their phone for three hours a day at all for anything. And they do it during the hours where they're at work, so that they know they can't be on it anyway. I mean, it's already self-limiting. And it's like they know that this is a temptation, they don't want to waste that time. And so, and when you see a child when you train up a child and discipline, it's amazing how it spills over into other areas. You know, they both are very disciplined with how many books they read, how far they run every day. Like, I mean, they're very disciplined individuals, because I think it's contagious. You know, that just self-discipline just kind of permeates all the other areas of your life as well. ‍ ‍ Laura Dugger: (45:54 - 46:06) ‍ ‍ And that is so encouraging, because I guess I just envision like, we're planting seeds, and we've gotten to hear a few of the seeds that you planted. And now it grows up even bigger than you could have probably ever asked or imagined. ‍ ‍ Elizabeth Pehrson: (46:06 - 46:22) ‍ ‍ Oh, yeah. I mean, sometimes their discipline frustrates me, because like, I'll need to talk to them, and they're on like a 23-mile run, and they can't talk or, you know, like, I'll want to call them. And they're like, "Mom, I can't use my phone right now." And I'm like, "Come on," you know, but they are, they are disciplined. I just drives me crazy sometimes. ‍ ‍ Laura Dugger: (46:23 - 46:36) ‍ ‍ Oh, I love that so much. So, Elizabeth, as parents, what else can we do now to help our kids eventually reach maturity and independence as adults? ‍ ‍ Elizabeth Pehrson: (46:37 - 51:07) ‍ ‍ Yeah, I mean, again, I can't say it enough. Childhood is meant to be the training ground for independence. So, every single day, they are training you or you are training them. And it's like, are you training them up for independence, maturity? Are you training them up to be dependent upon you? Are you teaching them that your proximity is what keeps them safe? And it's like, okay, so we're going to make these choices when they're young, might be harder on us, because I have mom say to me all the time, you know, I mean, it's just easier when I do it. And I'm like, it is, or they're like, they'll never do a job as good as I do. They won't. But you know what, it's like, it doesn't matter. It's not about what's easy on us. It's what's best for them for the long run. ‍ ‍ So, you know, goes back to that book we talked about, but you can really just think of Kay's book, you can really think about anything that you want to know that you want them to know how to do well and reach maturity and master whatever that is. And, you know, most people, not intentionally, but subconsciously think, oh my goodness, by magic at the stroke of their 18th birthday at midnight, you know, they're just going to know how to do these things. And they don't, they don't know how to do these things. ‍ ‍ I mean, my oldest son went off to college and two weeks after he went off, I came back home and I was at Target. And I ran into this lady and who'd also dropped off her daughter. And she said to me, "How are you doing?" And I said, "I'm fine. How are you?" She goes, "I mean, are you, are you managing?" And I'm like, "Managing what?" And she's like, "Without your son." And I said, "Yes," she would help my son. She goes, "Well, I have to ask you how many times have you been up there?" And I said, "Since two weeks ago when we dropped them off?" And she said, "Yeah." And I said, "I haven't should I ask how many times you've been up there?" She was well, one time she called me because I forgot to teach her how to use her diabetic medicine. So, I had to drive and teach her how to do that. And I thought, okay, in my mind, I'm thinking that was kind of a really big deal to not know how to do. And then she said, "And then another time she called me, and she chewed me out because I didn't pack laundry detergent for her." And I thought, "Oh, you packed her stuff. She didn't do that." And she said, "Well, I mean, you know, I just was doing it for her." And she goes, "I had to tell her I did pack laundry detergent." And she said, "No, the only thing I've seen you pack are those little round things that I've seen you put in the dishwasher." Oh, no, this is what she tells me. And I was like that she's seeing you put in the dishwasher. She goes, "I had to tell her that laundry pods are made too. So, I had to go up and teach her how to do laundry." And then the third time I just missed her. So, I went up there, but I thought, wow, like we are training them to fly from us. ‍ ‍ You know, that is the ultimate goal is that they are independent, that they can leave us. But the hardest thing about it is accepting that success. If you do it well, because that's the last thing you want to do is have your child not need you anymore. Moms thrive on being needed, particularly by our children. But honestly, that is what God gave them to us for so that they can go out and launch onto their own. So, we just started training them up as soon as we possibly could on little things like solving problems or managing their own schedules. That's a big one. You shouldn't be asking them what homework do you have? What tests do you have? What paper do you have? How can I help you? Don't do that tonight because you've got to do your homework. Let them manage their own schedules. Let them set their own alarms. If they oversleep it, there is a natural consequence. So, they won't keep doing that anymore. ‍ ‍ And I mean, I had a daughter that slept through every alarm we ever set. It didn't matter how loud it was. So, I was not going to give into that. So, we literally bought an alarm that was a round ball. And on this round ball, it would be on the floor. And when her alarm would go off, it would roll away from her bed. And so, she couldn't not turn it off. She'd have to get out of bed to turn it off. And so, I mean, there's ways you can do it if you really want to. But, you know, training them up how to advocate for themselves. Most children don't know how to advocate for themselves, which is why the most recent stat right now on Fox News, I saw it two months ago, 29% of college graduates are taking their parents with them to their job interviews. 29% are taking their parents with them. They're 23 years old. Think about that. Let that set in. You know, teaching them how to shop for, prepare, cook meals. You have conflict, healthy conflict. Recover from mistakes. You know, try again. I mean, our job, I've already said it, but our job is not to make their lives easy. And it's not to do what's easy for us. It's to make them capable. ‍ ‍ Laura Dugger: (51:10 - 51:38) ‍ ‍ Wow. You have been so inspirational to learn from. And one more thing on that. When, if we're very encouraged, we're going to be more consistent and do this thoughtfully, intentionally. When we meet resistance from our kids, what encouragement do you have for us, regardless of their age, whether they're whining about it when they're younger, throwing a temper tantrum or giving attitude? What would you encourage us with there? ‍ ‍ Elizabeth Pehrson: (51:38 - 54:03) ‍ ‍ Well, it's not very encouraging, but you will meet resistance. You will. I mean, why would they ever, I mean, my kids had to make their own lunches starting in kindergarten. And my daughter Walker would come home every day and I'm the only one that has to make their own lunch, you know? And I'm like, "You know what? You get to put in your lunch, whatever you want. Every other child has to eat what their mom makes them eat." You know, I'm like trying to show her these things, but the truth is you are going to be met with resistance. But if it ever crosses that line into disrespect, that first and foremost needs to be handled first, without a doubt. There's never a reason for disrespect. And if you allow that disrespect in your sons, they will grow up to be men that disrespect their wives. If you allow that in your children, they will grow up to be employees that disrespect their employees. And on, you know, you reap what you sow. So, it's like, I am not going to allow that. ‍ ‍ Having said that we make our chores on the whiteboard so that there is no nagging, there is no reminding, there is none of that. And so, we put it on there. They know it has to be done. And if it's not done, they don't sit down for dinner. And then once our kids hit middle school and they had practices after school and high school practices and things like that, they couldn't do it before dinner because they didn't get home until dinner or sometimes afterwards. So, it had to be done before they went to bed. And if they didn't, I didn't nag, I didn't get upset with them. But the next day when they walked up and saw the whiteboard, their second chore was incredibly time consuming and incredibly hard because they did not do the chore from the day before. Because again, we're modeling real life. Just because you had a full day doesn't mean you get to walk in the door, kick off your heels at night and just assert all your responsibilities. Not at all. You have to still do it. And so, it's like you've chosen to play these sports. You've chosen to do these travel things and you're still a part of this family. So, it's like encourage them in a way to do these things that doesn't impact you. Like you don't want to get into this, you know, match back and forth trying to explain to them why it's important. It's just a rule. It is what it is. That's why I like it on the whiteboard. There's no, there's no having to nag, having to check, but just don't allow the disrespect is the big thing when they kind of meet you with resistance. But again, what child's going to be like, "Sure, mom, I want to take on this." They're not going to, you know, I, like I said, my oldest, he did not enjoy doing all the things that he had to do. And there came a day he went to college and he was so grateful, so grateful that he knew how to do those things. ‍ ‍ Laura Dugger: (54:04 - 54:07) ‍ ‍ So, we're going for that long term. Thank you. ‍ ‍ Elizabeth Pehrson: (54:07 - 54:09) ‍ ‍ Always, always long game parenting. ‍ ‍ Laura Dugger: (54:10 - 54:19) ‍ ‍ Well, Elizabeth, you have given us so much in these weeks together, but where would you like to direct us to continue learning from you after this chat? ‍ ‍ Elizabeth Pehrson: (54:19 - 54:49) ‍ ‍ Well, if women live in Atlanta, we do have the exchange, which is local and coming, and I would love for them to come to that. We also have our podcasts on purpose with, which encourages women to live on purpose and with intention. You know, I just absolutely love connecting with women that want to live wholeheartedly this one beautiful life we've been given. So, I'd love for them to reach out to me on Instagram. I've got my personal handle as Octomama. I also have the exchange US and long game parenting. ‍ ‍ Laura Dugger: (54:50 - 55:09) ‍ ‍ Wonderful. We will provide all of those links in the show notes for today's episode. And I just have one more question for you. We are called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, Elizabeth, what is your savvy sauce? ‍ ‍ Elizabeth Pehrson: (55:09 - 56:01) ‍ ‍ My savvy sauce today, based on what we've spoken about, I would say to the women listening to the very best of your ability, it's going to be difficult. It is not going to be easy, but to the very best of your ability, stop over functioning for your children. And over functioning is simply doing for your children what they can and should be doing for themselves. And my favorite mantra that I tell moms all the time is just because you can do provide or give doesn't mean you should just because you can do provide or give, it doesn't mean you should. So, if you want to have grateful children, do less, not more. You want to raise children that have a respect for other people, do less, not more. If you want to raise de

In this solo teaching episode, Joe Stopulos tackles a topic many Catholic men avoid discussing openly: money. Drawing on two books by finance writer Morgan Housel — The Psychology of Money (2020) and The Art of Spending Money (2025) — Joe walks through the core lessons of both and reframes them through a Catholic lens of stewardship, humility, and contentment. Highlights from this episode: Why doing well with money is about behavior, not intelligence — and how habits shape financial peace The "benchwarmer on a Major League team" analogy that reframes comparison and contentment Why real wealth is what you don't spend, not what you show How money's highest dividend is control over your time — spending it on the people you love Why finances are one of the top three pillars of a healthy marriage, and how Joe addresses this in the marriage prep he leads A nod to Dave Ramsey's budgeting framework — where Joe agrees, and where he doesn't The story of Kurt Vonnegut, Joseph Heller, and the billionaire who had everything except "enough" The quiet millionaire janitor who left $8 million to charity — and what it says about humility A closing quote from St. John Chrysostom on wealth, stewardship, and caring for the poor This episode is a call for Catholic men to examine their relationship with money — not as an end in itself, but as a tool for building a life centered on faith, family, and generosity. This episode is brought to you by: Construction Professionals — CPCustomHomes.com https://cpcustomhomes.com/ #CatholicMen #ManUpPodcast #IowaCatholicRadio #CatholicFatherhood #CatholicDadLife #CatholicStewardship #FaithAndFinance #PsychologyOfMoney #MorganHousel #CatholicMarriage #CatholicPodcast #DesMoinesIowa #IowaCatholic #HeroicVirtue Listen Live · Program Schedule · Our StationsLINKSYou can follow us on Facebook, Instagram, Youtube, Tiktok! More on our website.If you would like to support Iowa Catholic Radio you can donate Here! More from Iowa Catholic Radio:Sunday Dive with Katie PatrizioMan Up! with Joe StopulosCatholic Women Now with Chris Magruder and Julie NelsonThe Uncommon Good with Bo Bonner and Dr. Bud MarrBe Not Afraid with Fr. Fabian Moncada and Fr. Bruce RiebeBe Not Afraid en Español con el P. Fabián MoncadaMaking it Personal with Bishop William JoensenFaith and Family Finance with Gregory WaddleThe Great Men of the Bible with Joe Stopulos Liturgy & DevotionsThe Daily Gospel Reflection with Fr. Nick SmithThe Daily Mass from St. Francis of AssisiThe Daily Mass from St. Pius XThe Daily Mass from St. TheresaSunday Mass from the Basilica of Saint JohnWant to support your favorite show? Click Here Iowa Catholic Radio - Connecting People to Christ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you prefer retaining the employees you have rather than constantly hunting for new ones? Kiera shares an example of a practice that evolved from high turnover to solid team retention, and how effective leadership played a critical role in keeping people long-term — plus how you can craft it for your own practice. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent- Dental A Team (00:00) Hello, Dental A Team Listeners. This is Kiera. And today I want to chat with you guys about hiring and staffing and retention. I think this is something that a lot of you are struggling with. I think it's just, I don't know, it's just annoying and it's obnoxious and it's just part of what we are dealing with now. But I think that there's a lot of solutions that we can do that I think a lot of people aren't thinking about. So with that, I want to give some tips of like what we can do to retain team members more than having to hunt for them.   So I know that there's ways for us. I know there's a lot of things. And we're gonna just kick it off today. So I'm excited for you because what I found is there's probably a good way. And I was talking to an office about this. I'm really excited to share some some office growth that I've watched in office over the last five years evolve from team turnover to incredible team retention. and I really do think that a lot of it has to do with leadership, a lot of it has to do with growth and   what we can do is to solve that retention rather than needing to always hire. Now, there's always going to be hiring. So we're going to kind of talk through both of it, but also like what things can we do to retain our team that we have. Dental A Team is a consulting company where we work nationwide, we work across the globe. We work with private practices, multi-locations, we work virtually and in person. We have an incredible community where we come together in in-person masterminds, sharing the best of the best. And we're from startup to multi, multi-millions.   And I'm obsessed with helping you say yes to more in your life. And that stands for you, focusing on you and your vision, getting your team aligned, earnings and making sure you're profitable. And then system structure and scalability, really truly making sure that you guys are set up for success so you can say yes to more in your life. our goal is to positively impact the world of dentistry in the greatest way possible. And I'm obsessed with you. I'm obsessed with your practice. I'm obsessed with your team. I'm obsessed with your struggles, I'm obsessed with your wins.   And I'm here to help make your life easier. I'm very big on tactical practicals. So if this podcast has served you in any way, shape, or form, please share it with a friend, share it with a colleague, share it with someone who you feel like it could brighten their day. Post it in a Facebook group, post it online, leave us a five-star review. Anything that you do helps us spread our mission. My goal is to be in the ears of every single dental practice out there because I believe that dentistry is special. It's sacred. It's   It's a zone where we're able to change people's lives. And I'm so excited for you to be here. I'm Kiera Dent. I'm obsessed with all things dentistry, including my last name. So let's kick it off and let's start seeing of how we can figure out where and what we can do for this retention piece. So, number one, I feel like so I was talking to an office today. Me and the doctor, I said, it like this doctor has an incredible team. I think they've got 20 team members. most of them are women. There's two male doctors there.   And I said, I watched you. You went from like four operatories to now we've got 15 operatories. The team has grown. And I said, What do you feel makes this place special? Like team members love working there. And I was like, what is it? So much so that they're all like recruiting from other offices and bringing people here and saying this is the best office they've ever worked for. I was talking to one of the team members and they said, I no longer have the Sunday scaries. I don't get stressed out at work. This is my second family. Like team members are telling me this as a consultant. Usually I and I asked them like,   What do you guys need help with? And most of them are like, we're just really happy. So I was asking the doctor and the team, I was like, what is it about this place? I asked both sides of the coin because I was like, what is it? I'm obsessed. This is one my favorite things to dig into practices. And maybe I'll get this doctor on the podcast and share from theirs. I'll just share kind of some snippets from today. And the doctor told me, he said, Kiera, I'm just really big on treating people like people. He's like, I'm never gonna expect them to have work be more important than their families. he's like, I want to make this into a lifestyle practice where   We work seven to three a lot of the days so that way they're able to get home and be with their families, but we're still able to like work hard and take care of patients. I have never seen a practice where they literally leave at five o'clock. And this is in California, like it's not for overtime. They just work hard and they get home and they go be with their families. if they have time and they need to like take care of their kids or they're sick, they are able to take care of them. they expect them to work hard and they all do work hard and they build really great people there. I asked the team, I said, What is it about this place? And they said, Well, I think it's the fact that   Like our doctor trusts us and they let us do things. And but it's wild. Anything I asked this team to do, literally, I was like, let's do morning huddle prep sheets. Let's treatment track. They don't fight with me on it. And a lot of teams do. And so I was like, okay, this is fascinating. The team is very accommodating. They're willing. They want to. All of them were so excited to morning prep huddle prep. Do you how many teams are like, womp, womp, womp? So much extra work. This team was like, Yeah, absolutely, we'll do this. We'll take care of it.   I had them roll out route slips. They did it. Like no pushback. And I was just, it's fascinating to me. And I think something I'm picking up from this is one, they really do hire for great culture. Two, they see potential in people. Three, they really do treat this as like an amazing place to work. Like the doctor is just getting so excited. They're talking about putting a gym in there. Like fun things to make this where they make their life incredible. And I watched the doctor just get like twinkly-eyed about getting so excited to.   Do these surprises. They took their team on a cruise and just for fun. Like it was just a fun thing that they did. And when I think about all of that, this office used to struggle to hire. And now they literally most of their employees that they've had in the last three years have all come referral-based. and I think about Dental A Team, the bulk of our team is coming referral-based. And they're coming back and they're sharing with people, and their friends are interviewing with us.   And I think about that, and I'm like, as a business owner, I think that that's the greatest compliment. If your team is willing to refer their friends, their colleagues to want to come work here because they love it so much, you're doing something right. And people stay where there's a great, incredible culture. And so hearing both sides of the coin, hearing what team members are loving, hearing what doctors are loving, there's so many other ones. I've got another doctor, they've got team members, I've been with them for 12, 15 years. And I asked that doctor, I said, what   What do you do that makes people want to stay with you for so long? And this doctor said, you know, Kiera, I think it's that I really listen to them and I have clear expectations. They know what it is. That office also, like when we say we're gonna be there at 12 o'clock, they are there at 11:55 with their notebooks and their pens. I think that a lot of these practices, so one of the pieces I see is people really do stay where expectations are clear. Both of these offices have high standards, both of these offices expect a lot, both of these offices work really hard.   Dental A team is no exception to that. and I think having clarity, I think having clear job descriptions, I think having clear expectations from all leaders, I think team members knowing if they're winning or losing, you define it. You define it for them. And I really do love that there's clarity all the way around. Like both offices have different expectations, but both offices have them clear. The team knows how to win, the team knows what's expected, and both offices really do treat their team.   like humans. They I just watch and I watch these cohesive teams and there are clear expectations, but there's also a space where they they want to be there. There's this want, there's this draw, there's this happiness, there's a lightness about it. But they're hitting great goals. And so I think clarity really can create confidence for team members. So that's that's a good space. Another thing I notice with these offices and with teams is   people really do want growth, not just like an employment path. So, what is growth in that practice? How do people evolve? How do they grow? Like, what is a development plan? All these offices have regular one-on-ones. And one-on-ones can be about performance, one-on-ones can also be about what they want in their personal life, what they want in their professional life, what that looks like. And talking about growth opportunities, for me, every single year at the end of the year, I talk to my team about what their personal and professional goals are.   When people join our team, they take a survey of what they want their personal life to look like in their next one year, five years, 10 years. and as a leader, I'm obsessed with making their dreams become a reality. So how can we make those dreams become real for them? How can we figure it out? anything we can possibly do? Let's give opportunities, let's find ways. It doesn't always have to be with work because sometimes you're gonna tap out once you're at a certain level as a dental system. That's kind of where you're gonna be. But can they learn?   To do for an office work? Can they grow in other areas? Can they become a mentor consult or assistant? What ways can they grow? can we grow them personally? Can we send them to CE courses where they're personally growing, not just professionally growing? what's the training and development we can do? I know there's an office, another office I know of, and they hired Dave Ramsey. And so everybody who wanted to learn about financial management, they were able to do it. I know I've had offices where I teach them about how to do investments a little bit.   like very small, like high yield savings accounts and the things that they're able to do. growing people as people, not just as employees. Like that, I don't know. I think as an employer, one of our greatest gifts is to be able to like grow people to make their dreams become true, to look for opportunities to help them become the best version of themselves, and really just having pasts and plans and   Knowing your team, knowing them as humans. as our company grows, Britt and I talk about this often. I'm like, Britt, how do we grow and still maintain this authentic one-on-one seeing people as people in our company? Our mission has slightly changed to where we're so focused on growing practices, but it's one person, one life, one practice at a time. And I'm very obsessed about being obsessed about the individual. How do people feel   in a large organization, how do they feel like they're still seen as a person? How do they feel like they are being grown as a human? And I think the more you can do one-on-one growth conversations, the more you can invest in them in humans. And it's crazy because I think as management gets bigger and you have leaders and you're not as involved as a CEO, finding ways where you're not overstepping your leaders and you're able to still stay connected to them as humans. I was hired we just hired a   A new C-suite member on our team. And I was talking to him, and I was like, okay, this person's favorite tree is this, and this person's favorite thing is this, and this person's favorite thing is that. And when I finished, I thought, no matter how large our organization ever gets, I want to make sure that all of my team members, all of our clients, always feel like they are like one in a million, and they are that one, and that they are seen as that one, that they are so valued.   even in a large organization. There was the Dean of Midwestern when I worked with him. His name is Dr. Gilpatrick. And I remember he knew every single dental student's name. He knew my husband's name. He and we're talking, there were hundreds, and I remember being like, whoa, that's so impressive. I want to be like Dr. Gilpatrick and I want to know everyone's name and I want to remember their names. And at the time I was not great at that. And this is a skill I really had to develop. but people loved Dr. Gilpatrick and we were talking, I don't know, it was probably I think 150 people per class.   We had four classes in there. So at any given time, there's probably 600 students plus spouses. Dr. Gilpatrick knew every single one of them by name and knew something personal about them. Would ask me how my husband was doing, would ask how Jason's doing in pharmacy school. So it wasn't just my husband. It was by name and what his profession was and what he was going to school for. That type of intentionality as a leader, people don't even get that from their family. People don't even get that from their spouses. And as a leader,   You can show them that they're important, that they're valued, that they're loved. One of the greatest things that you can ever do. And then I think another piece for being able to retain great team members. Yes, we need to hire, but you're gonna be able to hire if you have a great culture. another great thing is is to actually build a great culture. So what are the things of what is your culture? For us, I literally have them read like what our culture is and values we live by, and all of our team knows core values and   I've set it up to where they core value shout out each other every Wednesday. As a leader, like I get a little teary-eyed on this part. to show up and to hear my team calling each other out. I'm not there a lot of Wednesdays. I'm not there at a lot of our meetings anymore. And when I do get to be there, to just watch each other love each other. to see each other help each other out. We're a virtual team, guys. Like they don't even live by each other.   And see marketing and consultants call each other out to positively praise one another, to offer to help, like shout out to Pam. I know she listens to the podcast a lot. Pam is always willing to help. And I see her go behind the scenes and help people get their numbers entered and to have our marketing team love on our consultant team and to have our consultants love on our like C-suite team and to have our C-suite team love on our VA team to watch them call out core values to each other.   To watch them do Thankful Thursday. to like see people as people. I know our team's getting bigger, and I keep getting like, like when we run leadership meetings, I'm always like, no, it's always personal and professional wins every single week. And I'm so big on that. I'm like, that takes so much time. And I'm like, that's how you connect. The times how you connect, that time's how you make people feel seen, heard, and loved. I can't tell you how many times in these meetings I learn about my team's struggles. We learn about   people get connected. There's a a game I play in office called the Silver Thread, I think is what it's called, or like connected thread. I don't even know what it's called, but I get people in groups of four usually and I say, All right, you guys have to come up with four things that you're connected by. And I I have people that don't know each other. I sometimes get in the group, and what I found is every single time they're able to come up with four things that they all have in common. A lot of times it's holidays, a lot of times it's songs, but it's so fascinating because no matter what group you're in.   People are connected, people are striving for community, people rally with each other, people want that connection. And so to be able to have your team come connected as a culture, these are just the little things. These are where people feel safe, they feel seen, they feel heard. addressing issues early, like having leaders that support, having people that connect in with their departments, having people that grow their departments. I also think making sure the standard is like not what you preach, but what you tolerate.   And looking at what you tolerate, and is that really the the standard of what you're going to to have? Like, do not destroy your top performers by tolerating poor performance of the lower performers. Hire great talent. Expect people to be at the same level. People love to be surrounded by A players. Like, so hire A players, create a culture of A players, create a culture where they love each other, create a culture where they're connected to each other, create time for them to bond. Like,   Because we have a virtual team, you have it so much easier in an in-person team. There's so many things. You can have potlucks together. You can have book clubs together. You can work out together. You can do painting nights together. You can go to sports games together. Get people connecting as people. and always recognize that in culture, your entire team is always watching you and what you're willing to tolerate, what you're willing to accept. They're watching you like a hawk. And I think about when I have to make hard decisions or ones that I don't want to do.   I had to remember I got an entire team of eyes watching and seeing what we as leaders will do and what we will not do. I remember when I was first a manager, I tolerated some really poor performance. And I remember there was a hygienist. I remember exactly who she was. I remember the exact day. I remember her name. She came in and she said, Kiera, I have lost so much respect for you. And that was duly served.   I was not being a leader. I was not having the conversations I needed to have. I was not holding team members to the high level of accountability that we had. I was not creating a culture. I was just squawking. I was seagull managing. I come in, I say a lot of words, and I shiz all over and I leave. That's not the way we create culture. And I think when we talk about hiring and having staffing, having a kick a culture, having people where   They love to work there where they want to refer their friends, but that doesn't mean they get everything they want. You can have high standards and have people obsess about it. People love to work hard. People love to be a part of an organization that's growing and innovating and creating. And they want to be a part of growth. Like growth equals like progress equals happiness. These are the ways that we create and retain. And so it's one of those things of creating clarity, creating growth, protecting your culture, having it be a space where people are obsessed with working there.   Finding out, talking to people, getting in, hearing what's going on, having leaders that really are developing their team, you pouring as a leader, like as a CEO into your leadership   team, like that is where I pour the bulk of my energy to trickle down to love because I can't do it, nor should I. I want leaders to rise up. You want leaders to rise up. But I think more than even hiring and attracting is how do I build a culture that people are obsessed with?   How do I create raving fans? And that does not mean they get everything they want. Think about spoiled rotten kids who are getting everything they want. They don't respect their parents. Think about the kids who respect their parents, who love their parents, who are raving fans of their parents. They work hard. They've got accountability. They've got structure. They've got discipline. Same thing in an organization. how can you be the best leader? That doesn't mean the most loved. I've said this quote before and I'll say it again. You're gonna be loved as a leader, you're gonna be hated as a leader, and where I hope you ultimately land is respected as a leader.   And that is a zone of like hiring and staffing is not just about hiring. It's about having an environment where great people want to stay. And so I'd ask yourself, look at it. Look at our company and see how do I create this into a practice where people don't want to leave, where people are obsessed, where I have high performing people that want to be here. Look at yourself as a leader, look to see what you're tolerating, look to see what you can change, ask your team.   Be careful how you ask because I found that self-reported oftentimes is based on the week. And if it's a bad week, I get bad reports. but really look to see how are people performing? What things do you want it to be? What things do people talk about? Why do they love it here? There's books so called I I love it here. Read culture books on how you can produce these great cultures. We had a podcast where I talked to a Chick-fil-A owner and how they create these raving fan cultures there.   But really, I think on hiring and retaining, it's about retaining. Because great teams that retain have word-of-mouth referrals left and right. People crave to work in great environments. People crave to work with great leaders. People crave to be there. And then when you are hiring, have those. Have your team have testimonials. We have a lot of testimonies where we've got video testimonies of our team where they're obsessed with working here. And when it doesn't work out, that's okay. This is not the place for everybody. Your place is not the place for everybody. Your place is for the right people.   But hopefully there's some tacticals in here for you to take, for you to look at it. And if you need help, this is a zone. We've turned around a lot of cultures. We've turned around a lot of leaders. We've had, we've said the uncomfortable things. I've had a lot of coaches give me uncomfortable advice. but really truly it's a space where I believe if you can think about how do I retain the right people, how do I attract the right people, how do I create this as a practice where people work hard, they play hard, they love being here, they don't get the Sunday scaries.   that's the place where people are gonna want to stay. They're gonna wanna cleave, they're gonna wanna like cling on and just be obsessed with you and refer all their friends. Have that be your standard, have that be what you want to be. And I promise you, hiring will be no longer as hard of an issue for you. And then be cautious on who you hire. Make sure you're always hiring for that culture, for the standards you want. A players make life a lot easier. And I know they're not always there, but seek after them, find them, and retain them.   If we can help you guys in any way, we help build leadership systems. We help build accountability. We help build cultures. We help turn cultures from maybe negative cultures to positive. We help leaders. We help CEOs. office managers sometimes are struggling with their doctors. Let's have those open conversations. Let's mediate between the two and help you two have uncomfortable, healthy debate conversations to where you guys can grow and flourish. I'd love to help you out. I'd love for you to just have a team that you're obsessed with.   I'd love for you to be like the doctors I I said, where they love their teams. They love working there. but it's not done out of entitlement. It's done out of accountability, empowerment, love, and great cultures. So reach out. Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.

Send us Fan MailJon Acuff is a New York Times bestselling author of 11 books, including Soundtracks, Finish, and All It Takes Is a Goal, which together have sold more than one million copies. His newest book, Procrastination Proof: Never Get Stuck Again (Baker Books, April 14, 2026), argues that procrastination isn't a character flaw but a learned coping mechanism, drawn from more than a decade of research and testing with over 30,000 participants. Named one of Inc.'s Top 100 Leadership Speakers, Acuff has delivered keynotes for organizations including Microsoft, Walmart, FedEx, Nissan, and Comedy Central.Acuff hosts the podcast All It Takes Is a Goal, where he has helped hundreds of thousands of listeners move past overthinking and finish what matters most to them. On this episode of Practical Wisdom for Leaders, he and host Scott Allen dig into “seven reasons people don't choose remarkable,” drawing on stories from his own career, including his years working alongside Dave Ramsey and starting over in his thirties. Acuff lives outside Nashville with his wife and two daughters.A Few Quotes From This Episode“Procrastination is when your actions don't match your intentions. Remarkable is the opposite, when your actions match your intentions.”“You're the most persuasive person you've ever met. You talked yourself into every decision, often bad ones.”“Most resolutions fail because we try to do something for a year we've never done for a day.”ResourcesBook: Procrastination Proof: Never Get Stuck Again by AcuffAll of Jon's BooksAbout The International Leadership Association (ILA)The ILA was created in 1999 to bring together professionals interested in studying, practicing, and teaching leadership. Attend The Global Conference in Toronto, October 28-31.About  Scott J. AllenWebsiteWeekly Newsletter: Practical Wisdom for LeadersMy Approach to HostingThe views of my guests do not constitute "truth." Nor do they reflect my personal views in some instances. However, they are views to consider, and I hope they help you clarify your perspective. Nothing can replace your reflection, research, and exploration of the topic.♻️ Please share with others and follow/subscribe to the podcast!⭐️ Please leave a review on Apple, Spotify, or your platform of choice.➡️ Follow me on LinkedIn for more on leadership, communication, and tech.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you a high-income T4 earner who feels financially behind simply because you cannot access the same tax strategies as an incorporated business owner?It is easy to compare your tax bill, investment returns, or wealth-building options with someone playing a completely different financial game. But incorporation does not automatically mean more spendable income, and chasing strategies designed for someone else can distract you from the opportunities already available within your own plan.Through the story of a successful T4 earner with rental properties, registered investments, a DIY portfolio, and substantial home equity, this episode explores why knowing more strategies does not always create greater confidence. The real challenge may be choosing a tax-efficient approach that fits your risk tolerance—and staying consistent long enough for it to work.By listening, you will learn how to:Stop comparing two different financial games. Understand why the corporate small-business tax rate does not tell the full story and why incorporated owners still face personal tax when extracting money from their companies.Evaluate your next wealth-building move more clearly. Explore the trade-offs between seeking higher returns, taking on more investment risk, increasing your income, and improving tax efficiency through strategies such as the Smith Manoeuvre.Build confidence through consistency instead of chasing certainty. Discover why long-term financial confidence rarely comes from finding one perfect strategy—and how a repeatable process aligned with your goals, personality, and comfort with risk can move you closer to financial freedom.Press play now to learn how to focus on the financial game you can actually play—and build a strategy you can confidently follow for years.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.This episode of Canadian Wealth Secrets explores how a high-income T4 earner can improve financial planning, wealth management, and tax efficiency without comparing their situation to an incorporated business owner playing by different tax rules. Using a real listener case involving rental properties, RRSPs, a DIY ETF portfolio, and substantial home equity, Kyle and Jon explain why the small-business corporate tax rate does not equal personally spendable income and why salary versus dividends in Canada must be viewed through both corporate and personal taxation. They examine practical investment strategies, including the Smith Manoeuvre, real estate leverage, RRSP optimization, tax-efficient investing, and using home equity to support long-term wealth building. The conversation also highlights risk management, showing that higher potential returns often require greater concentration, private lending, or other risks that may not fit every investor. Rather than chasing the perfect strategy, listeners are encouraged to create a personalized Canadian wealth plan, define their minimum retirement cash-flow needs, and follow repeatable financial systems that match their investor personality. The core message is that lasting financial freedom in Canada comes from understanding the financial game available to you, choosing a strategy you can confidently maintain, and staying consistent on the path toward financial independence.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Host Paul Jamison shares his own early financial mistakes and breaks down the seven sequential steps you need to take to eliminate debt, build savings, and create lasting wealth in your lawn care business.

Adam Whitney spent over 20 years in the Marine Corps in military intelligence before going all in on real estate, and he brings that operator discipline to how he thinks about money. Now a leader at Seven Figure Flipping, he's a hardcore Profit First fan who built his personal money habits long before he built his business ones.In this episode Adam gets refreshingly honest about the mistakes, the down months, and the psychology behind keeping what you make. He covers his journey from a $9,000 first-year military salary through Dave Ramsey's envelope system to Profit First, why cash flow management is the most underrated skill in business, and how the OODA loop from fighter-pilot dogfighting applies to financial decisions under pressure. If you make money but still feel broke, this is one to hear.Timeline Summary[1:49] – The Freedom Award at Seven Figure Flipping's mastermind that measures freedom, not revenue[2:56] – Why community leaders have a responsibility to encourage growth for the right reasons[4:18] – Adam's 20 plus years in the Marine Corps and the money lessons operator discipline taught him[5:32] – Making $9,000 his first year and $14,000 his second in the military[6:13] – Taking a $41,000 tax-free combat bonus and the expensive wedding and truck that followed[7:28] – The 2008 cross-country drive during peak gas prices that shifted his money mindset[7:55] – Dave Ramsey's Total Money Makeover and the envelope system as his first fundamentals[9:02] – Discovering the FIRE community in 2016 and saving 50% of his income[10:41] – Building personal financial habits first, then learning he needed business ones too[11:05] – Hitting $1 million in gross profit but barely filling his bank account[11:28] – His mentor Bill Allen's non-negotiable rule: you must take money out of your business[12:23] – The tough-love line: if you can't manage $100, you'll never manage a million[13:26] – Why Profit First is really psychological, not just a system of bank accounts[17:22] – Telling a newer investor not to ask about allocations until he brings in revenue[18:30] – Restructuring Seven Figure Flipping when the model's margins tightened[19:32] – Cash flow as a river you must watch coming in, sitting, and going out daily[20:21] – Having to cut personnel when acquisition costs crept too close to deal value[21:36] – Learning cash flow management by studying his mentor Bill Allen's numbers mind[25:01] – Applying the OODA loop and commander's intent to business decisions under pressure[30:13] – The biggest blind spot: not understanding the cash conversion cycle5 Key TakeawaysBuild Personal Habits First — Adam mastered his personal finances through Dave Ramsey and the FIRE movement before he ever fixed his business money. The foundation makes the business system stick.Profit First Is Psychological — The bank accounts work, but the real shift is mindset. Making money come off the top first is hard until you start, then it becomes how you operate.Cash Flow Is A River, Not A Snapshot — Your bank balance today isn't the picture. You have to watch what's coming in, what's sitting, and what's going out every single day.You Must Force Yourself To Get Paid — Bill Allen's rule is non-negotiable: take money out of the business or you'll work for free for years. Most owners who walk in the door aren't paying themselves.Understand The Cash Conversion Cycle — It can take 200-plus days from spending on marketing to collecting on a flip. Owners who don't plan for that gap create their own instability by shutting off marketing.Links & ResourcesSeven Figure Flipping — https://7figureflipping.comSimple CFO — https://simplecfo.comProfit First for Real Estate Investing Free Workbooks — https://peiworkbook.comProfit First for Real Estate Investing by David Richter — https://profitfirstrei.comEnjoyed This Episode?If Adam's honesty about down months and working for free hit home, you're far from alone, and that's exactly the point. Share this episode with an investor who's making money but still feeling broke, and follow the show and leave a rating and review so more real estate investors can build the habits that actually keep the cash.

You follow Martin Lewis. You trust his advice. You have probably saved money because of him. And he is right about almost everything he teaches.So why are millions of people who follow his advice to the letter still not building real wealth?In this episode you will discover:Why Martin Lewis and Dave Ramsey are both right about the foundation and why every single person should follow their advice on debt, emergency funds and savings rates before they think about anything elseWhy the index tracker funds both men recommend as the next step are good advice with one quiet problem — they are denominated in a currency that gets inflated every year, making your real returns smaller than they lookWhy Bitcoin is the one thing neither of them covers — fixed supply, outside the fiat system, and the only savings vehicle available to ordinary people that has genuinely outperformed everything else over the last decadeI built a free calculator that shows exactly what consistent monthly Bitcoin investing could do to your wealth over 5, 10 or 20 years. It's called the Steady Stack Calculator — punch in what you can afford to put in each month and see what the numbers actually look like at the other end. Most people are genuinely surprised. You can also download the 10 Bitcoin Mistakes to Avoid document completely free at the same link.Steady Stack Calculator and 10 Bitcoin Mistakes Document — click here to grab both for freeHit follow, so you never miss the latest insights on money, finance, invest and build wealth - plus clear guidance on cryptocurrency, Bitcoin, and Bit Coin for today's serious investors.

Live Aug 6, 2026 | Yaron Brook Show(Season 12, Episode 131)Tucker Running?; Iran; Griftathon; Yen; Inflation; Cuba; Ceuta; mRNA | Yaron Brook ShowIs Tucker Carlson building a populist coalition with the anti-capitalist far left?In this explosive episode, Yaron analyzes Tucker Carlson's platform, third-party whispers, and the alarming economic overlaps between isolationist populism, the far left, and radical Islamism. From debt-as-slavery rhetoric and economic autarky to AI panic and immigration crises in Europe, Yaron dissects the ideas shaping our culture through an Ayn Rand, Objectivist lens.Plus, Yaron breaks down major global economic and geopolitical developments:Middle East Escalation: Iran, the Strait of Hormuz, and critical U.S. munitions shortages.Economic Shockwaves: The Japanese Yen collapse, inflation index recalculations, and Trump's market-moving financial moves.Global Crises & Policy: Cuba's economic unraveling, Spain's enclave border crisis in Ceuta, and the FDA's new approval of Moderna's mRNA flu vaccine.Which part of Tucker Carlson's platform poses the single biggest threat to liberty: economic isolationism or populist collectivism? Let us know in the comments below!Watch the full episode now: https://youtube.com/live/uR8UU3iPVZY⏱️ Main Topics:[00:00:39] Introduction[00:02:13] Is Tucker Carlson Running? Third-Party Speculation & Political Strategy[00:04:24] Unpacking Tucker's Movement: The Convergence of Populism & the Far Left[00:08:25] Anti-Capitalism & Foreign Policy: Where the Far Left and New Right Agree[00:11:04] Is a Radical Anti-Liberty Coalition (Including Islamists) Forming?[00:13:04] Dissecting Tucker Carlson's Long-Term Political Viability[00:15:01] Breakdown of Tucker's 10-Point Political Platform[00:18:15] Sovereignty, Corruption, and the Fake Concept of Political "Fairness"[00:21:31] Is National Debt Truly a Form of Slavery?[00:24:00] The Economic Delusion of Autarky and "Self-Sufficiency"[00:27:23] Panic over World War III and AI Fear-Mongering[00:29:14] Aesthetics & Statecraft: The Real Importance of Architecture and Beauty[00:30:16] Healthcare & Individual Responsibility vs. Government Control[00:32:17] Overclassification, Transparency, and Government Secrecy[00:34:18] Releasing JFK and 9/11 Documents: Myth vs. Reality[00:35:39] Why Populist Platforms Lack Genuine Rational Optimism[00:38:24] Demography Myths: The Real Truth About Global Fertility Rates[00:41:21] Reason vs. Emotion in Foreign Policy & Foreign Affairs[00:43:38] National Unity Demands: Ambition or Authoritarianism?[00:48:02] Iran, the Strait of Hormuz, and Critical U.S. Munitions Shortages[01:09:23] Trump, Monetizing Influence, and Market-Moving Information[01:14:08] The Collapse of the Japanese Yen & U.S. Federal Reserve Policy[01:25:47] Cuba's Economic Collapse: Why Half-Measures Fail[01:30:53] Ceuta, Border Instability, and Spain's Crisis in North Africa[01:38:44] European Immigration Debates & The Rise of Radical Islamism[01:45:12] FDA Approves Moderna's mRNA Flu Vaccine: Science vs. RegulationLive Audience Q&A / Super Chats:[01:54:26] Dave Ramsey's Financial Advice vs. Free-Market Reality[01:57:10] Q: Is Dave Ramsey's zero-debt advice practical for modern wealth creation or overly dogmatic?[02:01:45] Q: Should liberty advocates support third-party political strategies or focus on cultural change?[02:06:30] Q: Is the collapse of the Japanese Yen an isolated issue or the first domino in global fiat failure?[02:11:15] Q: How should free-market defenders respond to the growing popularity of economic autarky among young conservatives?[02:15:40] Q: If the U.S. faces a severe munitions shortage, does that force a foreign policy of isolationism by default?[02:19:22] Closing Thoughts: Strategic Takeaways on Fighting Collectivism in 2026#TuckerCarlson #Objectivism #Capitalism #Inflation #Iran #ForeignPolicy #FreeMarkets #YenCollapse #individualismo The Yaron Brook Show is Sponsored by[The Ayn Rand Institute](https://www.aynrand.org/starthere)[Energy Talking Points, featuring AlexAI, by Alex Epstein](https://alexepstein.substack.com/)[Express VPN](https://www.expressvpn.com/yaron)[Hendershott Wealth Management](https://www.youtube.com/watch?v=X4lfC...) &(https://hendershottwealth.com/ybs/)[Michael Williams & The Defenders of Capitalism Project](https://www.DefendersOfCapitalism.com)[Support the Show]( / yaronbrookshow )[Sponsor the Show](askyaron@yaronbrookshow.com/)[One-time donation](https://bit.ly/2RZOyJJ)Join the [Yaron Brook Show YouTube channel]( / @yaronbrook )Like what you hear? Like, share, and subscribe to stay updated on new videos and help promote the [Yaron Brook Show](https://bit.ly/3ztPxTx)Continue the discussion by following Yaron on [Twitter](https://bit.ly/3iMGl6z).Want to learn more about Ayn Rand and Objectivism? Visit the [Ayn Rand Institute](https://bit.ly/35qoEC3)Become a supporter of this podcast: https://www.spreaker.com/podcast/yaron-brook-show--3276901/support.Yaron is the executive chairman of the Ayn Rand Institute and a world class speaker. He is the coauthor of the national best-seller Free Market Revolution: How Ayn Rand's Ideas Can End Big Government, Equal is Unfair: America's Misguided Fight Against Income Inequality and In Pursuit of Wealth: The Moral Case for Finance. He speaks around the world on a variety of topics including the morality of capitalism, Ayn Rand and her philosophy, finance and economics, and the value of inequality.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you could own part of an established Canadian business—without buying the entire company or committing millions to a traditional private equity fund?Private equity has historically been difficult for individual investors to access, even when they qualify as accredited investors. In this episode, the PE Gate team explains its deal-by-deal approach, which is designed for entrepreneurial investors who want to understand the specific business they are backing rather than committing capital to a blind pool. You'll also hear why private equity is generally better suited as one part of an experienced investor's broader portfolio—not as a first or only investment.You'll learn:How PE Gate identifies established, cash-flowing Canadian businesses with long operating histories, trusted owners, niche market positions, and clear opportunities for growthHow due diligence, legal agreements, governance, financial reporting, employee ownership, and active operational support can help manage—but not eliminate—investment riskHow direct business ownership may offer Canadian investors potential advantages through leverage, share liquidity, the lifetime capital gains exemption, and tax-efficient corporate dividends when properly structuredPress play to learn how direct private equity investing works and whether it fits your experience, interests, and long-term portfolio strategy.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Private equity can play a meaningful role in a broader Canadian wealth plan for accredited investors, business owners, and entrepreneurs seeking tax-efficient investing, financial diversification in Canada, and long-term wealth building beyond public markets. In this episode, PE Gate explains how direct private equity deals can provide access to established, cash-flowing Canadian businesses, allowing investors to participate in business ownership while benefiting from professional due diligence, governance, leverage, and active operational support. The conversation also explores potential tax benefits, including the lifetime capital gains exemption for qualifying individual investors and tax-efficient intercorporate dividends when corporate investments are properly structured. For Canadian entrepreneur finance, these investment strategies may complement corporate wealth planning, corporation investment strategies, capital gains strategy, passive income planning, personal versus corporate tax planning, and business owner tax savings. While a complete financial independence Canada strategy may also involve RRSP optimization, salary versus dividends planning, real estate investing in Canada, retirement planning tools, estate and legacy planning, financial buckets, and other wealth-building strategies in Canada, this episode focuses specifically on how carefully selected private business investments may support corporate structure optimization, financial vision setting, and building long-term wealth in Canada.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode, the fellas welcome financial expert Rachel Cruze to discuss the intersection of money, mindset, and family. As the daughter of Dave Ramsey, Cruze shares insights on growing up with a "money guy" and how she has carved her own path through best-selling books and speaking. Rachel talks about how money is less about math and more about behaviour, focusing on intentional parenting through "commissions" rather than allowances and the "half-car rule". The trio delves into the struggle of navigating social media pressure and defining a family's financial "baseline" in a world of "infinity pools". Cruze also provides tactical advice for marriages, urging couples to align on shared goals and use budgeting to find permission to spend. This deep dive offers a roadmap for families to build a legacy of contentment and financial peace. Follow Rachel: https://www.instagram.com/rachelcruze Join us: http://dadville.substack.com Thanks to our sponsors! This episode is sponsored by BetterHelp: Our listeners get 10% off their first month at ⁠⁠⁠⁠⁠⁠⁠http://betterhelp.com/dadville⁠⁠⁠⁠⁠⁠ Boll & Branch - Get 15% off plus free shipping on your first set of sheets at ⁠⁠⁠⁠⁠⁠⁠http://bollandbranch.com/dadville⁠⁠⁠⁠⁠⁠⁠ Exclusions apply. Quince - Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://quince.com/dadville⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 365-day returns, plus free shipping on your order! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this discussion, Travis Chappell and producer Eric tackle one of the most polarizing questions surrounding marriage and money: should every couple sign a prenuptial agreement? Drawing from a viral Facebook discussion, changing opinions from financial expert Dave Ramsey, and insights from entrepreneur Patrick Bet-David, they explore why prenups may be less about planning for divorce and more about making thoughtful financial decisions while both partners are on the same team. The conversation is packed with humor, real-life examples, and practical perspectives on protecting relationships, assets, and peace of mind. On this episode we talk about: Whether every couple should sign a prenuptial agreement before marriage Why "the state already has a prenup" if you don't create your own Dave Ramsey's surprising change of heart on prenups How emotions during divorce can lead to poor financial decisions Why prenups become more important as wealth and assets grow Top 3 Takeaways A prenup isn't necessarily planning for divorce—it's making important financial decisions while both partners still want the best for each other. If you don't create your own agreement, your state's divorce laws effectively become your default prenup. As your net worth grows or one partner enters the marriage with significantly more assets, having clear expectations in writing can protect both people and reduce conflict. Notable Quotes "Everyone has a prenup. Either you write it, or the state writes it." "The moment where you have the least amount of clarity is probably sitting in the room signing divorce papers." "Nobody expects to get divorced—but that doesn't mean you shouldn't prepare wisely." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplies last.  - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  Learn more about your ad choices. Visit megaphone.fm/adchoices

Allie sits down with personal finance expert and Ramsey Solutions personality George Kamel! George got himself out of debt and became a net-worth millionaire in under a decade. Now he is helping others with their financial struggles. He offers insight about a variety of topics, including tithing, how to talk to your kids about money, having a spouse who overspends, the dangers of comparison, and the affordability crisis. George also shares what he thinks is the biggest financial myth out there. George is proof that it is possible for anyone to get out of debt if they are willing to look at what is important to them and make sacrifices to reach their goals. Check out George Kamel on YouTube: https://www.youtube.com/@GeorgeKamel Share the Arrows 2026 is on October 10 in Dallas, Texas! Tickets are on sale now at: ⁠⁠⁠⁠⁠⁠https://sharethearrows.com⁠⁠⁠ Share the Arrows is sponsored by: A'del Natural Cosmetics: AdelNaturalCosmetics.com Range Leather: RangeLeather.com/ALLIE We Heart Nutrition: WeHeartNutrition.com Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.toxicempathy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Time Codes 0:00 Introduction 5:18 A Christian Outlook on Money & Tithing 16:40 The Affordability Crisis 25:35 Teaching Your Kids About Money 36:33 Why Working Hard Isn't Enough 56:24 How to Create a Financial Plan as a Couple – Today's Sponsors: A'del | Visit AdelNaturalCosmetics.com and enter promo code ALLIE for 25% off your first-time purchase. We Heart Nutrition | Check out We Heart Nutrition at ⁠⁠⁠WeHeartNutrition.com⁠⁠⁠ and use the code ALLIE for 20% off. Take charge of your health expenses and be part of a community. Join CrowdHealth to get started today for $99 a month for your first three months using code ALLIE at joincrowdhealth.com. Geviti | Go to gogeviti.com/allie and use code ALLIE for 20% off.   Episodes You May Like: Ep 1348 | No Pay for Politicians During Shutdowns, Republicans to Gain Seats After Redistricting, and Advice to Go Debt-Free | Ron Simmons https://podcasts.apple.com/us/podcast/ep-1348-no-pay-for-politicians-during-shutdowns-republicans/id1359249098?i=1000768110421 Ep 1229 | How to Make Money in a Tough Economy | Ron Simmons https://podcasts.apple.com/us/podcast/ep-1229-how-to-make-money-in-a-tough-economy-ron-simmons/id1359249098?i=1000721550989 --- ► Buy Allie's book, "You're Not Enough (and That's Okay): Escaping the Toxic Culture of Self-Love": https://alliebethstuckey.com/book ► Subscribe to the podcast: iTunes: https://apple.co/2UVssnP Spotify: https://spoti.fi/2FwkXxj ► Connect with Allie on social media: https://twitter.com/conservmillen https://www.instagram.com/alliebstuckey/ https://facebook.com/allieBlazeTV/ ► Relatable merchandise — use promo code ALLIE10 for a discount: https://shop.blazemedia.com/collections/allie-stuckey

The conversations you've been avoiding rarely get easier—they just get more expensive. In this episode, I sit down with Dave Ramsey to talk about what it really takes to tell the truth with kindness, navigate disagreement without making it personal, and have the conversations most people spend years avoiding. If you want to communicate with more confidence, lead with more clarity, and stop letting fear keep you silent, this episode will give you the tools to do it. Join me on Supercast for ad-free episodes, bonus content, and AMAs: https://jefferson.supercast.com/ Leave me a voicemail to be featured on the show! https://www.jeffersonfisher.com/ask-jefferson  Order The Next Conversation Workbook: https://www.jeffersonfisher.com/workbook Thank you to our sponsors: Masa Chips. Get 25% off at https://www.masachips.com/pages/jefferson AG1: Visit https://drinkag1.com/jefferson to get a free Morning Person Hat and free AG1 Flavor Sampler in your Welcome Kit with your first AG1 subscription. Monarch Money. 50% off your first year at https://monarchmoney.com/jefferson BetterHelp. Click https://betterhelp.com/jeffersonfisher for a discount on your first month of therapy. Order my book, The Next Conversation, or listen to the full audiobook today. Like what you hear? Don't forget to subscribe and leave a 5-star review! Suggest a topic or ask a question for me to answer on the show!  Want a FREE communication tip each week? Click here to join my newsletter.  Join My School of Communication Watch my podcast on YouTube  Follow me on Instagram  Follow me on TikTok Follow me on LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you so focused on eliminating taxes that you're overlooking better opportunities to grow your wealth?A rising tax bill can feel painful, especially when your business is generating more profit than ever. But paying more tax is often a sign that your income and net worth are growing—and the real challenge is learning how to keep more capital working strategically instead of chasing the unrealistic goal of paying nothing.In this episode, Jon Orr and Kyle Pearce unpack a real business-owner scenario involving a significant corporate tax bill, excess cash, and missed planning opportunities. They explain how a shift in mindset, combined with practical changes to compensation and corporate wealth structure, can create greater flexibility today and stronger long-term outcomes.You'll discover:Why focusing on after-tax wealth growth is more valuable than trying to reduce your tax bill to zero.How adjusting the balance between salary and dividends can create RRSP room, reduce corporate income, and improve tax deferral opportunities.How business owners can put excess corporate cash to work while maintaining liquidity, supporting future investments, and preparing for estate taxes.Press play now to learn how smarter tax planning can turn a frustrating tax bill into a more intentional wealth-building strategy.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, building a resilient Canadian wealth plan means looking beyond the goal of simply paying less tax and creating financial systems that support long-term growth. This episode explores practical Canadian tax strategies, including salary vs. dividends in Canada, optimizing RRSP room, personal vs. corporate tax planning, and corporation investment strategies for excess business cash. It also examines how leveraged investing through a corporate line of credit may create a tax deduction when borrowed funds are used for eligible business or investment purposes, while emphasizing the importance of investment risk, liquidity, and professional guidance. By organizing capital into financial buckets, coordinating an investment bucket strategy, and combining tax-efficient investing with corporate structure optimization, passive income planning, financial diversification, and legacy planning in Canada, business owners can pursue financial independence, strengthen their estate plan, and build long-term wealth in Canada with greater clarity and flexibility.Ready to connect? Text us your comment including your phone number for a response!PE Gate is now offering accredited investors access to Project Rope: the acquisition of an established, cash-generative Canadian industrial business with more than 45 years of operating history.PE Gate's targets an annualized IRR above 25%, net of carried interest.For the Offering Memorandum and full risk disclosure, visit pe-gate.com or email sarmen@pe-gate.com. If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

#965. After Kaitlyn shared that Rachel Points helped her save nearly $20,000 on travel, the internet had one question: HOW?!So this week, Rachel Tyers (aka Rachel Points) joins Off the Vine to break down everything you wish someone had taught you about credit cards, points, and travel. Whether you have one credit card or fifteen, Rachel shares the biggest mistakes people are making, why you probably shouldn't be putting all of your spending on your Amex Platinum, why flexible points beat airline credit cards, and the simple three-card strategy she recommends to maximize the rewards you're already earning.Then they tackle the part that confuses almost everyone: actually using your points. Rachel explains how transferring points to airline partners can unlock business-class flights for a fraction of the price, the best websites to search award flights, when to pay cash versus points, whether points expire, and the travel hacks she swears by to save thousands.If you've ever looked at your points balance and thought, "I have no idea what I'm doing," this episode is for you!!If you're LOVING this podcast, please follow and leave a rating and review below! PLUS, FOLLOW OUR PODCAST INSTAGRAM HERE!Thank you to our Sponsors! Check out these AMAZING deals!Knix: Head to knix.com and use code VINE for 15% off your order – get leakproof undies, amazing bras, and check out the new Mini Dream Boxer!Chewy: Right now you can save $20 on your first order and get free shipping by going to Chewpanions.chewy.com/offthevinepodcast.Boll & Branch: Sleep cooler this summer with Boll & Branch. Get 15% off your first order plus free shipping at BOLLANDBRANCH.com/vine20, code vine20.ASPCA Pet Insurance: To explore coverage, visit ASPCApetinsurance.com/VINE.Merit Beauty: Right now, Merit Beauty is offering our listeners their Signature Makeup Bag with your first order at Meritbeauty.com.Apartments.com: The place to find a place!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Buying a house in 2026 is more challenging than ever—but how much income do you actually need? Brian and Rebie compare The Money Guy's home buying rule against Dave Ramsey's mortgage guideline using real-world numbers at every major price point. Learn how mortgage length, housing costs, down payments, affordability, and income requirements impact one of the biggest financial decisions you'll ever make. Whether you're a first-time homebuyer, deciding between renting vs. buying, or planning your next move, this breakdown explains the math behind smart homeownership without the hype. You'll also see why home affordability has changed dramatically, how mortgage payments compare across different price ranges, and why buying a home isn't just a math equation. We'll also show you our Home Buying Calculator so you can customize the numbers for your own financial situation. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Reaching financial independence is supposed to be the goal—but what if you get there and realize the real skill isn't earning or saving, but learning to spend? And what if the metric for business success has nothing to do with revenue growth and everything to do with protecting your nervous system? Key Topics Discussed Introduction and the Hidden Curriculum 00:00:00 Brad introduces the concept of life's hidden curriculum—essential lessons never explicitly taught but crucial to building extraordinary lives, including the question extraordinary people consistently ask: "What am I missing, and how could this be useful to me?" Redefining Business Success 00:08:00 Diania explains her counterintuitive decision to keep the EconoMe Conference capped at 500 attendees despite selling out 9+ months in advance, redefining success around maintaining a calm nervous system rather than maximizing revenue or scaling. Enoughness and Simplifying Life 00:15:00 A discussion about determining "enough" in business, friendships, and life overall. Brad shares why he chose not to scale ChooseFI to Dave Ramsey levels, and both explore the power of intentional constraints. The Tuesday Project 00:22:00 Brad introduces his framework for designing FI around what your ideal average Tuesday looks like—waking without an alarm, taking walks in green space, accessing amenities on foot—rather than focusing solely on extraordinary experiences. Daily Routines and Time Abundance 00:30:00 Diania shares her 4-5 AM morning routine, one-meeting-a-day philosophy, and how she structures days with intention and flexibility to protect both productivity and mental space. The Skill of Spending in FI 00:42:00 Both hosts examine the challenge of learning to spend money intentionally after reaching FI, including examples like grocery delivery services and making purchases without the scarcity-driven research habits that got them to FI. From Scarcity to Abundance 00:55:00 Diania reveals how her annual spending increased from $60K to over $100K—all on discretionary categories like health, relationships, generosity, and travel—while caring about money less than ever. She shares her recent $29K car purchase and why FI as a goal became irrelevant once the journey transformed her life. Values, Idealism, and Materialism 01:08:00 A deep exploration of understanding true values versus social programming, the realization of not actually wanting the status symbols you thought you did, and how reducing materialism creates space for idealism. Health and the Better Body Challenge 01:18:00 Diania details her transformative six-month fitness accountability challenge requiring 5 weekly workouts, 70,000 steps per week, daily protein goals, and data uploads—with a $100/week fine for missing targets. Backing Yourself Into a Corner 01:32:00 Discussion about public accountability, understanding what motivates you personally, and intentionally creating circumstances that ensure follow-through on worthy goals. Notable Quotes Brad Barrett: "A lot of people who consistently build extraordinary lives ask, what am I missing, and how could this be useful to me?" Diania Merriam: "Success is a calm nervous system for you personally." Diania Merriam: "I'm not looking for followers. I'm not looking for customers. I really look at them as my peers." Diania Merriam: "My risk has flipped from running out of money to running out of time. I am much more willing to waste money than to waste time." Diania Merriam: "The less materialistic I am, the more idealistic I get to be." Key Takeaways Identify one area where you're using scarcity mindset despite financial security and experiment with an abundance-based decision Design your Tuesday Project: write down what your ideal average Tuesday would look like in FI and identify what's preventing that now Audit your attention: identify what's stealing your focus in ways that don't align with your values and set one boundary Consider joining an accountability group for a goal…