Podcasts about baby step

Debt expert, Chris Miles, critically examines Dave Ramsey's 7 Baby Steps and explains why paying off your home early can backfire on your wealth, especially when it comes to liquidity, flexibility, and long-term risk. Drawing from real-world experience, past recessions, and opportunity cost, we explain how this step can trap cash, increase vulnerability, limit future options, and sabotage your wealth, even for disciplined savers who “did everything right.” Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Watch the Full Interview: How to Use Infinite Banking to Build a Real Estate Empire | Chris Miles https://youtu.be/P2hCKhL1M_k 00:00 Introduction 00:08 Baby Step 1: $1,000 Emergency Fund 00:33 Baby Step 2: Pay Off Debt (Snowball Method) 01:11 Cash Flow Index Method and High-Yield Savings 03:09 Baby Step 3: Save 3 to 6 Months of Expenses 04:11 Modified Steps 2 and 3 05:00 Baby Step 4: Invest 15% of Household Income 06:52 Baby Step 5: Save for Children's College 09:18 Baby Step 6: Pay Off Your Mortgage 09:57 Experience with Home Equity 11:02 Trapped Money and Penalties 12:11 Baby Step 7: Build Wealth and Give 14:14 Dave Ramsey's Net Worth and Investment Strategy 18:32 Investing in Your Greatest Asset ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: 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.

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠ Rachel Cruze and Dr. John Delony answer your questions and discuss: "My husband refuses to get a job, I'm worried he is going to ruin us financially" "I'm $350,000 in debt, should I file for bankruptcy?" "Should I finish Baby Step 2 before buying my home?" "Am I wrong to ask my daughter to pay rent and contribute to grocery costs?" "Should we sell our double-wide?" "We don't have anything saved for retirement, where do we start?" "My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?" "Our contractor keeps missing deadlines for our home addition. Should we fire him?" Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

It's just me, MJ, on the mic today. I wanted to take a moment to share where life has taken us lately. From how this podcast started — telling our love story and all the funny, messy, beautiful moments — to where things are now as we take baby steps into something new. I talk about what this change has been like, how Shams is doing, and how we're framing it all as a new beginning. It's honest, a little emotional, but filled with hope. Thanks for being here and growing with us. Learn more about your ad choices. Visit megaphone.fm/adchoices

✍️ ⁠⁠Help us make the show better! Take this 6-question survey.⁠ George Kamel and Rachel Cruze answer your questions and discuss: "My parents want me to use my savings to buy them a house" "I'm $65,000 in debt and I feel completely overwhelmed" "My father has a $1.3 million net worth and none of it is invested. How do I help him grow his wealth?" "Should I stop investing in Baby Step 2 and lose out on my employer match?" "I lost everything in my divorce and I don't know how I am going to pay rent this month" "How do I save up for our wedding while I am in Baby Step 2?". Next Steps: ✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Feeling fragmented? This episode guides you through small, practical steps to restore internal wholeness. Learn how to identify misalignments, start keeping promises to yourself, and rebuild self-trust — one intentional choice at a time.You Got This, Ryan

In this episode of The Career Flipper, host Jenny Dempsey sits down with sisters Wendy and Elizabeth Pochop of Baltimore, Maryland, co-founders of Untethered Voyages, a side hustle turned passion project that creates cruise-based retreats for leaders, communities, and organizations.We connected through Support Driven, a global community for customer support professionals, and what started as a conversation about side hustles turned into an inspiring look at building something new from burnout, curiosity, and passion for travel.What You'll Hear in This Episode:How Wendy's burnout in customer success led to a sabbatical, curiosity, and eventually a pivot toward travel and hospitality.The family cruise that sparked the idea for Untethered Voyages and how it evolved from “workations at sea” into curated community-building retreats.The unique way Wendy and Elizabeth balance their strengths, vision and execution, while building a business together as sisters, roommates, and travel buddies.Why structure, accountability, and small sacrifices are key to making side hustles work alongside full-time jobs.Practical advice for anyone feeling stuck in their career: start small, find joy outside of work, and solve a problem you've already faced for others.Their big vision: living and working full-time from cruise ships while helping groups create unforgettable experiences. Connect with Untethered VoyagesJoin their Alaska adventure next summer www.untetheredvoyages.com/alaska.BONUS: They will waive the planning fee for Career Flipper Podcast listeners, if you go on the trip, use code "Career Flipper"!Connect on Instagram: https://www.instagram.com/untetheredvoyagesvacations/Connect on LinkedIn: https://www.linkedin.com/company/untethered-voyagesBook your own group retreat at sea: untetheredvoyages.com Thanks for tuning in to The Career Flipper!If this episode made you think, laugh, or feel a little braver about your own flip, do me a favor:

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We've reached the final baby step in this preparedness journey. The earlier steps were about plugging the biggest holes — building a small emergency fund, getting some basic supplies, and starting your food and water storage. But this step is about making sure you're secure for the long haul. It's where short-term fixes evolve into lasting stability.

We've reached the final baby step in this preparedness journey. The earlier steps were about plugging the biggest holes — building a small emergency fund, getting some basic supplies, and starting your food and water storage. But this step is about making sure you're secure for the long haul. It's where short-term fixes evolve into lasting stability. "The Last Baby Step: Locking In Long-Term Security | Episode 478" The post The Last Baby Step: Locking In Long-Term Security | Episode 478 appeared first on Survivalpunk.

Dave Ramsey's Baby Steps have helped countless people get out of debt and start saving, but are they still the best way to build long-term wealth? We explore each Baby Step by highlighting where we agree, where we diverge, and why we believe the Financial Order of Operations (FOO) provides a clearer, more effective roadmap to financial success. We'll cover everything from emergency funds and debt repayment to saving rates, investment order, college planning, and beyond. Whether you're starting from scratch or optimizing an already-strong plan, this episode helps you understand what to do with your next dollar. ⁠⁠⁠⁠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. NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices