Podcasts about Bad debt

Debt is a word that makes most people nervous. We think of it as a burden, something to avoid at all costs. But what if we've been looking at it the wrong way? Today I'm joined by Professor John Dinsmore, marketing expert and author of the fascinating new book The Marketing of Debt. John peels back the layers on how debt is presented, sold, and even "marketed" to us, from credit cards to mortgages to student loans. And more importantly, he helps us understand how to navigate debt without fear, confusion, or shame. Whether you're a property investor, a business owner, or just someone with a credit card in their wallet, this conversation will change the way you think about borrowing money.     Takeaways  ·         Debt is often marketed in ways that make it seem less risky. ·         Understanding debt can lead to better financial decisions. ·         There are different types of debt: good, bad, and necessary. ·         Financial literacy is crucial for navigating debt effectively. ·         Marketing plays a significant role in how debt is perceived. ·         Younger generations may underestimate the long-term impact of debt. ·         Reading the fine print is essential when taking on debt. ·         AI and digital marketing will evolve the way debt is sold. ·         Strategic borrowing can be beneficial for property investors. ·         Debt should be approached with caution and awareness.     Chapters    02:12 - Why Debt Is Marketed Like Any Other Product  05:58 - Tricks That Make Borrowing Feel Easier Than It Is  09:38 - How Shame, Ignorance and Optimism Trap Us in Bad Debt  13:24 - Good Debt vs Bad Debt: Using Borrowing Strategically  18:40 - AI, Personalization and the Future of Debt Marketing   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of The Rules of Property. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Professor John Dinsmore – Educator, Speaker, Consultant  https://www.johndinsmore.com/     John Dinsmore's book : The Marketing Of Debt. https://www.amazon.com/Marketing-Debt-How-They-Get/dp/1836626010   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

50 Year Mortgages - Why This is Worse for Buyers There is Good Debt and Bad Debt, and we go over the difference. We talk about the ingenuity of the humans that have brought us great technologies, which is more prevalent where there are private property rights. We talk about the possibility of a 50 year mortgage. While most people today are buying based on the payment and not the purchase price, they are missing the big picture about how a longer mortgage is actually worse for their financial position. We discuss an easy example of a $100,000 home purchase and what it is like with a 15 year mortgage at regular interest rates vs a 30 year and 50 year with the reduced rates and lower down payment. Lengthening the term may be great for the banks, as they make more in interest, but it prevents the homeowner from building any real equity. It is also helping to push purchase prices higher, as the longer rates mean a lower payment, even if most of it is paying interest. We talk about how families used to be able to buy a home, build equity, and prepare for retirement. The longer your loan term, the less likely you are to be in a good position later. Use this information to make better decisions so you and your family can have a better future! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds (which we finally got in!!!). Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Or Click Here to order our new Real Power Family silver rounds. 1 Troy Oz 99.99% Fine Silver Abolish Property Taxes in Ohio: www.AxOHTax.com  Get more information about abolishing all property taxes in Ohio. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

Is all debt truly harmful, or can it actually help you achieve your retirement goals? In this episode, Nick and Jake reveal how understanding the difference between good and bad debt can reshape your financial future. Discover whether being debt-free is always best, or if keeping certain debts could boost your flexibility and security in retirement. Here's what we discuss in this episode:

Most people think earning more money will make them rich. But here's the truth: high income doesn't equal wealth. In this episode, Tiffany Phillips reveals the middle-class money trap that keeps business owners stuck—and how to break free. You'll learn the real difference between assets and liabilities, why wealthy people use good debt instead of avoiding it, and how to build multiple streams of income that keep paying you—whether you work or not. We'll cover how to shift from paycheck dependency to paycheck independence with smart strategies, so you can build financial security and freedom. If you've ever wondered why you still feel broke even with a steady income, this episode will change how you think about money forever. Tune in now and start building real wealth instead of just looking rich.   Next Steps:

Michael Green argues that credit statistics have been “artificially inflated for many borrowers” over the last decade. “We're now finding out that there are pockets of exposure and fraud” in both the consumer and corporate market, he says. He thinks sovereign debt is the best place to be in credit markets. Michael also thinks the Fed is in a “very dangerous place” because it hasn't “taken a stand on where the economy sits.”======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Ready to master your business finances and avoid costly mistakes? In this episode of Walk In Victory, host NaRon Tillman sits down with financial expert Ronika Khanna to break down the difference between good debt and bad debt, reveal must-know tax strategies, and share the real secrets behind financial management for entrepreneurs. Whether you're a solopreneur facing your first tax season or a small business owner looking to level up your financial strategy, this episode gives you the tools and mindset shifts you need. Discover how to leverage debt for growth, avoid the most common financial pitfalls, and build resilience in uncertain times. Ika also covers the impact of COVID-19 on business finances, the importance of paying yourself, and how to maximize tax credits and deductions.

Keeping it short! Listen until the end! The guys break down and how to tackle debt in a more positive way. Also don't forget to use the #Asktheguys to send in your questions or comments for a chance to be on the show!

In this episode, Warren Ingram and Pieter De Villiers discuss the critical topic of debt, particularly for young adults in their 20s and 30s. They explore the different types of debt, emphasizing the importance of understanding good debt versus bad debt, and the societal pressures that often lead to poor financial decisions. They cover practical advice on managing car loans, the dangers of emotional spending, and the necessity of making informed financial choices. TakeawaysDebt can derail your financial future if not managed properly.Not all debt is bad; understanding the types is crucial.Car loans should be manageable and not exceed 10-15% of your income.Avoid emotional spending; have a trusted advisor for big purchases.Renting in your 20s can be a smart financial decision.Take time to research before making significant purchases.Avoid balloon payments on car loans; they can trap you in debt.A good credit score is not about how much debt you have.Use the snowball method to pay off debts effectively.Be cautious of societal pressures to buy a home or new car.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Tim Rave, president of the South Dakota Association of Healthcare Organizations, takes a look at the status of our rural health systems and the challenges and opportunities of President Donald Trump's domestic policy agenda.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money.  This episode is the fourth in our miniseries where we're talking about the big impact a decade can really have on your finances. We've covered where you're at, and where you might want to go, and today, we're talking about getting rid of bad debt – completely.   Bad debt is like a gaslighting, toxic boyfriend. It seems okay, but the reality is that it's keeping you trapped and controlled. If you want to build a better future, one of the best places to start is with kicking him out, and getting things under control.  In this episode, Mel dives into the 4 types of debt, the common ways many of us fall victim to bad debt, and gives you tools and tips on how you can manage and get out of it.   If you're ready to break up with your bad debt for good, this is the episode to tune into to learn how to make that happen.   For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au.   My Financial Adulting Plan is here    25 Ways to find $10K in 12 months is here  What are your Credit Card Points Costing You is here  Her Wealth, Her Way Conference is here  Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

Do you want to retire through property investing but scared of DEBT?

Long-term financial growth can be supported by good debt, while bad debt typically carries high costs and offers limited financial benefits.Today's Stocks & Topics: FPI - Farmland Partners Inc. (NYS), DASH - DoorDash Inc. (NAS), OPRA - Opera Ltd. ADR (NAS), CASY - Casey's General Stores Inc. (NAS), questions from our YouTube channel viewers: CAL - Caleres Inc. (NYS), and NUCL vs URNG - ; plus Justin's market wrap, and Justin's talking points: 'Bank Performance'-- mega vs regional, and 'What Is Dutch Disease?'-- The U.S. exports dollars and takes on debt... (Justin explains)Our Sponsors:* Check out Avocado Green Mattress: https://avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

In this Australian Retirement Podcast episode, James O'Reilly sits down with Chris Bates, co-host of the Australian Property Podcast and strategic mortgage broker, to discuss how debt plays a role in retirement planning. They explore: – What makes debt “good” or “bad” as you approach retirement – When to pay down your mortgage vs boost your super – Using equity smartly to build retirement wealth – Common pitfalls with property in SMSFs – How retirees can use debt to stay flexible and avoid panic selling – What makes a great mortgage broker and how to keep banks honest If you're heading toward retirement or just want smarter debt strategies, this one's for you. Subscribe for weekly shows on Apple, Spotify, YouTube, or your favourite podcast app. Follow us on Instagram and TikTok for more tips. Topics Covered – Understanding Good vs Bad Debt in Pre-Retirement – When Investment Property Debt is a Mistake – Downsizing Decisions: Beware of Upgrading Instead – Debt as a Lever to Boost Retirement Outcomes – How to Structure Loans Pre-Retirement – When Retirees Should Hold (Not Pay Off) Debt – Property in SMSFs: The Hidden Risks – Super vs Mortgage: Where Should Extra Money Go? – Avoiding the Loyalty Tax from Lenders – How to Choose a Mortgage Broker That Works For You Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode:  A breakdown of key differences between the House and Senate tax proposals, including bonus depreciation and the SALT deduction cap. Why self-employed individuals should pay attention to long-term care premium deductions and upcoming retirement withdrawal exceptions. A crash course on accounting method changes and how the IRS isn't a fan of casual flip-flopping. How to properly document and deduct a non-repaid loan gone bad (even if it's to your sketchy cousin). What to do if you or your client forgets their RMD, and how to potentially avoid a 25% penalty. Real talk on budgeting: why most budgets get shelved and how to build one that actually helps you make decisions year-round. Tips for turning budgets into strategy tools like using budget-to-actual comparisons to pivot fast when the market shifts. How to forecast for revenue dips, capital improvements, or surprise curveballs (looking at you, HVAC unit from 1995). A listener-submitted question prompts a deep dive into using budgeting for strategic planning, accountability, and flexibility—not just math homework. This episode proves that a good budget isn't about predicting the future, it's about preparing to meet it with a plan in hand and your receipts in order.

Bryan Jepson MD and CFP, author of The Physician's Path to True Wealth: 12 steps to gaining control over your money and your time – you can find it on Amazon and at this website for free Bryan Jepson MD, CFP® | physician financeDisclaimers:This is not specific financial advice, this is general education. Talk with your own advisor or schedule with Bryan to get specific advice The easiest, most straightforward way to start creating assets is to invest in your 401kDebt to fund a liability is bad debt, it takes money out of your pocketDebt that leads to more money in your pocket is good debt, but this requires wisdom in choosing your degree and education pathThere are a couple of methodologies to pay off debt, the snowball method vs the avalanche method. Snowball goes smallest debt to largest. Avalanche goes from highest interest to lowest interest. Use the one that will actually work for YOU and will make you be consistentThe 4% rule: generally, when you can live off 4% of your investments per year, you have enough for retirementSo, if you need 100K to live off in retirement, you need 2.5 million in investmentsWhy does everyone need a will? If you have kids, it allows you to designate a guardian should you die. It also allows you to allocate where your assets goWhat is the importance of giving away money?Giving can be looked at through a couple different lenes. When you give, you are blessed in return. Or maybe you can view it as good karmaBryan talks about how relationships are an important aspect of life and giving allows for meaningful relationships with something you value. Donate money but also your timeWhen you are rich, you don't have the cushion to give. When you are wealthy, you have the ability to give to othersFinance is simple but not easy because you need discipline. You don't have to get far into the weeds to be successfulBryans book has the foundation you need to understand financeBryan talks about the difference between a financial advisor and a certified financial planner Bryan gives his opinion on whole life insurance vs term insuranceSupport the showFull show notes can be found here: Episodes - Practical EMS - Content for EMTs, PAs, ParamedicsMost efficient online EKG course here: Practical EKG Interpretation - Practical EMS earn 4 CME and learn the fundamentals through advanced EKG interpretation in under 4 hours. If you want to work on your nutrition, increase your energy, improve your physical and mental health, I highly recommend 1st Phorm. Check them out here so they know I sent you. 1st Phorm | The Foundation of High Performance Nutrition Everything you hear today from myself and my guests is opinion only and doesn't represent any organizations or companies that any of us are affiliated with. The stories you hear have been modified to protect patient privacy and any resemblance to real individuals is coincidental. This is for educational and entertainment purposes only and should not be taken as medical advice nor used to diagnose any medical or healthcare conditions.

Click Here for the Show Notes Remember clutching your Monopoly cash, terrified to land on someone else's property? Turns out, that's how most people treat money in real life—hoarding cash instead of using it to build wealth. In this episode, guest host Melissa Nash reveals the critical lesson Monopoly doesn't teach: the difference between good debt and bad debt. While bad debt (credit cards, car loans) takes money out of your pocket, good debt (like mortgages on income-producing properties) puts money in—month after month.

Bad debt is one of the most overlooked threats to your rental property's performance—and it can silently eat away at your NOI. In this episode, Charles Carillo breaks down the concept of bad debt in real estate, how to calculate your bad debt ratio, and—most importantly—how to reduce it. From poor tenant screening to inefficient rent collection, Charles shares real-world strategies for eliminating delinquencies and protecting your rental income. Whether you're managing Class A properties or older C-class assets, you'll gain practical insights to prevent rent loss and increase profitability.

Are patient past-due accounts slowing down your dental practice? In this episode, we sit down with Ron Cash of Transworld Systems Inc. (TSI) to explore how automation can help your practice recover more from your patients, faster, and at the lowest possible cost.Discover proven methods to:✅ Resolve past-due patient accounts efficiently✅ Improve cash flow & reduce bad debt✅ Seamlessly integrate collections with your existing dental software✅ Leverage TSI's partnership with the Michigan Dental Association for exclusive discountsDon't let outstanding accounts impact your bottom line—tune in now to learn how to streamline your collections process!You can connect with Ron by calling 877-RON-CASH—it's that easy! 

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Good Debt Bad Debt: How to Borrow Strategically in Business. Show Notes Page: https://www.thehowofbusiness.com/566-good-debt-bad-debt/ In this episode of The How of Business, host Henry Lopez reframes how small business owners think about debt. While consumer debt is often harmful and emotionally charged, Henry makes the case that strategic borrowing, or good debt, can be an essential growth tool for entrepreneurs. Henry walks through key differences between personal and business debt, outlines how to identify smart uses of debt (like funding revenue-generating assets or covering working capital gaps), and warns against the dangers of relying on debt to prop up an unprofitable business model. Also learn about core financial concepts including leverage ratios, opportunity cost, and the time value of money, and how to apply them when making borrowing decisions. Henry shares practical tips, such as using low-interest loans over high-interest credit cards, keeping operating reserves, and not rushing to pay off good debt early if it's working for you. This episode is hosted by Henry Lopez. The How of Business podcast focuses on helping you start, run, grow and exit your small business. The How of Business is a top-rated podcast for small business owners and entrepreneurs. Find the best podcast, small business coaching, resources and trusted service partners for small business owners and entrepreneurs at our website https://TheHowOfBusiness.com

In a movie “western” you might see two gunslingers fire their pistols at each other in the town square.  That's exactly what happened here.  It...

Not all debt is created equal. Some debt can help build wealth and improve your financial future, while other debt can trap you in a cycle of financial stress. In this episode, we'll break down the difference between good debt and bad debt, how to use debt wisely, and strategies for managing it effectively.Ebooks: https://payhip.com/mjfm14 Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

Are you throwing money away each month and working extra hours just to pay interest? The average American pays $8,000 per year in interest alone. That's $667 every month! But the real cost isn't just the dollars—it's the extra hours you work to pay those bills. In this eye-opening episode, we expose five dangerous debt myths that could be forcing you to work harder than necessary: Why making minimum payments on credit cards could keep you in debt for 22+ years The hidden trap in Parent PLUS loans that could delay your retirement When NOT touching your home equity is actually costing you money The surprising truth about reverse mortgages (they're not always bad!) Why "all debt is bad" thinking might be limiting your wealth-building potential Key Quote: "I realized I was working for my debt instead of having my debt work for me. Once I understood the difference between productive and destructive debt, everything changed." Whether you're carrying credit card balances, considering college funding options, or wondering about your mortgage, this episode will help you identify which debts are holding you back and which might actually help you build wealth—allowing you to work less while achieving better financial outcomes. Ready to rethink your relationship with debt? Connect with us for a complimentary debt strategy session at wealthwisdomfp.com/call   01:24 Meet the Team 02:41 The Cost of Debt in America 07:32 Debt Myth #1: Credit Card Minimum Payments 14:58 Debt Myth #2: Parent Plus Loans 25:59 Debt Myth #3: Mortgage Rates and Home Equity 29:48 Exploring Home Equity Loans 30:08 Comparing Interest Rates and Savings 30:56 Understanding Home Equity Loan Payments 32:41 The Concept of Home Equity Loans 36:31 Reverse Mortgages: Pros and Cons 45:12 Evaluating 401k Loans 48:36 Good Debt vs. Bad Debt 53:12 Bank on Yourself Policy Loans 55:17 Wrapping Up and Final Thoughts   Watch on YouTube here: https://youtu.be/owG5LW26xlo 

WFR Radio 422 Good Debt vs Bad Debt Part 2 by Tony Walker Financial

Meet George Kamel, a Ramsey Personality, personal finance expert, and #1 national bestselling author dedicated to helping you break free from the toxic money system and build real wealth. Since joining the Ramsey Solutions team in 2013, George has gone from a negative net worth and $40,000 in consumer debt to becoming a millionaire in under a decade by following Dave Ramsey's Baby Steps. As co-host of The Ramsey Show and Smart Money Happy Hour podcast, and through his popular YouTube channel, George educates and entertains with a snarky sense of humor, exposing the financial traps and lies designed to keep you broke. In his new book, George shares his personal journey and reveals how everyday people can escape the cycle of debt, cynicism, and hopelessness that's become all too common in today's world. He debunks myths like “student loans are the only way to a good job,” “car payments are just part of life,” and “you need a credit card to survive.” Through a millennial perspective, George exposes the pitfalls of credit cards, credit scores, student and car loans, mortgage mistakes, investing traps, and the relentless marketing that encourages overspending. Follow Travis on: – IG

On this episode of the Evolve to Succeed Podcast, Cassidy Macken shares her inspiring journey of starting Cassidy's Beauty Academy.  From her early passion for beauty to the challenges of running a business while raising children, Cassidy discusses the importance of education in the beauty industry and her drive to fill the gaps she identified. She also opens up about her experience with ADHD and how it influences her approach to business. Cassidy emphasises the significance of securing funding and overcoming fears in the entrepreneurial journey, providing valuable insights for aspiring business owners. Cassidy shares her journey of entrepreneurship, discussing the nuances of good and bad debt, the challenges of securing funding, and her experiences as a young mother balancing family and career.   This episode of the Evolve to Succeed Podcast covers… Cassidy's journey in the beauty industry at a young age. Balancing motherhood and running a business. Education in the beauty industry. ADHD in business. Stepping out of comfort zones. Adapting to industry trends. Understanding the difference between good and bad debt. Securing funding. Finding the right business location. Having a clear vision for business growth. Taking risks when young.   Chapters 00:00 Introduction 01:03 Inspiration Behind Cassidy's Beauty Academy 10:16 From Beauty to Education 20:02 Navigating the Competitive Beauty Industry 22:02 ADHD in Business 27:49 Securing Startup Funding 28:20 Good Debt vs. Bad Debt 29:51 The Journey to Securing Funding 32:53 Finding the Right Business Location 34:27 Resilience in Business 37:40 Balancing Motherhood and Business 40:05 Vision and Goals for the Business 42:17 Staying Focused on Your Goals 47:11 Advice for Young Entrepreneurs 55:32 Defining Personal Success  

I want to hear your thoughts about the show and this episode. Text us here...In this episode of the Podcat, our host Julie DeLucca-Collins welcomes financial advisor Erica Schrock to discuss the unique financial challenges women face. Erica shares her inspiring journey from a country music artist to a financial advisor, emphasizing her commitment to helping women achieve financial independence without judgment. The conversation covers the importance of understanding one's financial situation, money management's emotional aspects, and practical financial planning steps. Erica encourages listeners to start small and reach out for support, highlighting that financial independence is achievable with the right mindset and guidance.Key points discussed: Importance of financial independence for womenUnique financial challenges faced by womenHistorical context of women's financial independenceEmotional aspects of money managementStrategies for starting small in financial planningMindset's impact on financial habitsUnderstanding good debt versus bad debtImportance of having a financial safety netComponents of a solid financial strategy (defense, offense, special teams)Encouragement for women to take proactive steps toward financial securityFind Erica here: https://www.northwesternmutual.com/financial/advisor/erica-schrock/https://www.instagram.com/erica_schrock_/Feeling scared about starting a podcast? I've got you. Download my 30 day guide to starting a podcast. This guide helps you with tangible steps to get your message to the world. Dowload your 30 day Guide HERE. This is an invitation to join a supportive community of purpose-driven entrepreneurs who are creating an impact in the world.A mastermind is a community of peers who exchange ideas, provide support, and offer sound advice for running a successful business.Join the Confident YOU Mastermind now at https://goconfidentlyservices.myflodesk.com/confidentyoumastermindSupport the showOther helpful resources for you: Learn more about my Confident You Mastermind Today! Here's your Guide to Starting A Podcast in 30 days, download yours today! For more about me and what I do, check out my website. If you're looking for support to grow your business faster, be positioned as an authority in your industry, and impact the masses, schedule a call to explore if you'd be a good fit for one of my coaching programs. Thank you for listening to our podcast. Please Subscribe! Join our Facebook GroupInstagram, TikTok We love reviews! Please leave us a review.Contact us if you want to Launch, restart, or grow your podcast.

Allie and Quint talk about what is good debt and what is bad debt.

There are a few things in life that I will go to the wall to defend and one of them is this:There is no such thing as bad debt.We've been misinformed, and sometimes straight up lied to, for far too long, and today, I'm blowing the BS whistle and breaking down why there is no such thing as bad debt.No more guilt and shame and bad vibes on using your resources, babe.  Press play to initiate transformation.--Your MONEY transformation awaits!  Get on the waitlist TODAY:amyvanmeijl.com/moneyDoors open March 7th!--CONFIDENCE WORKSHOP WAITLIST:   amyvanmeijl.com/confidence--GO DEEPER:Freebies, coaching & money programs: amyvanmeijl.com -- SUBMIT A QUESTION: Submit a question to the podcast: amyvanmeijl.com/podcastquestions -- SOCIALS & SHARE A REVIEW: 

Is the FIRE movement familiar to you? In this episode, we will dive into how you can maximize the FIRE movement strategy. EnjoyAny questions?*** Interested in our $10k/month passive strategy? Just sign up for our newsletter at https://bit.ly/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing Download episodes to your favorite platforms at idealinvestorshow.com Connect with us through social! We'd love to build a community of like-minded people like YOU!

I'm sure you guys have heard the discussion of good vs. Bad debt before... And in my experience, a lot of people are under the impression that any debt, is bad debt. That's not necessarily true – and having a solid understanding of this will draw that line between good/bad debt within your financial decisions. Good debt can really help you achieve goals. What are some examples of good debt?  

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Whether buying or building, laundromats are a big investment! Luckily, there are many options out there to help you finance that investment and start you on your entrepreneurial journey into the laundry industry!Referenced Links: Our Sponsor: H-M Company Drain Troughs: https://www.draintroughs.comOur Website: https://www.laundromatmillionaire.comOur Online Course: https://dave-menz.mykajabi.com/sales-pageOur Youtube channel: https://youtube.com/c/LaundromatMillionaireOur Podcast: https://laundromatmillionaire.com/podcast/Our Facebook: https://www.facebook.com/laundromatmillionaire/Our Facebook Group: https://www.facebook.com/groups/laundromatmillionaireOur LinkedIn: https://www.linkedin.com/in/dave-laundromat-millionaire-menz/Our Instagram: https://www.instagram.com/laundromatmillionaire/Our laundromats: https://www.queencitylaundry.comOur pick-up and delivery laundry services: https://www.queencitylaundry.com/deliveryOur WDF & Delivery Workshop: https://laundromatmillionaire.com/pick-up-delivery-workshop/LaundroBoost Marketing Company: https://laundroboostmarketing.com/Suggested Services Page: https://www.laundromatmillionaire.com/servicesWDF & Delivery Dynamics: A Complete Business Blueprint: https://laundromatmillionaire.com/wdf-delivery-dynamics-a-business-blueprint/Eastern Funding: https://www.easternfunding.com/Alliance Financing: https://distribution.alliancelaundry.com/finance/Prime Capital Financing: https://www.goprimecap.com/laundry-financingImage: https://helloskip.com/blog/sba-express-loansImage: https://www.fptransitions.com/blog/lending-for-successors-what-advisors-need-to-knowLM Episode with Mike Fingers: https://youtu.be/35Od9WsLHD8LM Episode on SanOWash: https://youtu.be/uba2xsLJh_ELM Episode on Perfect Pour: https://youtu.be/LTz_7kC-vgQCodie Sanchez Podcast: https://www.youtube.com/@PodcastBigDealTimestamps00:00 Episode 89 Intro00:41 Spotlight – Black Friday Sales Events02:20 Episode's Focus03:27 Good Debt vs Bad Debt and Consumer vs Business Debt10:21 Assessing the Risk of the Debt12:16 Lender Type #1: the SBA19:54 Lender Type #2: Conventional Loans31:53 Lender Type #3: Industry-Specific Loans40:42 Our History of Equipment Loans & Renovations44:24 Lender Type #4: Seller Financing 45:06 The Art of Negotiation47:15 Buying & Selling Laundromats52:43 Our History of Seller Financed Deals58:44 Closing Remarkswww.FranchiseResaleReady.comBuy or Sell An Existing Franchise Business

Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was able to amass millions of dollars in assets, create over $200,000 per year in passive income streams, and retire just ten years after starting his journey to FIRE. Can you do it, too, even in today's markets? Yes! Dion did what most people aren't willing to: lower your cost of living, spend less, save more, and yes…house hack. He built a small real estate portfolio just by house hacking alone. Still, thanks to the compounding effect of real estate, Dion's passive income from the rentals began to overtake his monthly expenses. Now, he rakes in four to five times more than he could ever spend. Who wouldn't want a $200,000 per year income stream in retirement?! But it's NOT too late to copy Dion's exact strategy. In fact, Dion is sharing why NOW is one of the best times ever to get into real estate investing and how you, too, in ten years or less, could be making major passive income and enjoying early retirement! In This Episode We Cover How to explode your passive income by slowly investing in real estate Dion's journey from $89,000 in debt and low-paying jobs to financial freedom Why Dion encourages you to IGNORE what everyone is saying about the housing market  A $1,000,000 mistake that Dion made that you should NOT repeat (DON'T pay off your house!) Why Dion doesn't care about growing a big real estate portfolio (and you shouldn't either!) And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Want to Retire Early with a Small Rental Portfolio? Grab the Book “Small and Mighty Real Estate Investor” Find an Investor-Friendly Agent in Your Area The Lazy Person's Guide to Financial Freedom in Less Than 10 Years with Dion Mcneeley Connect with Dion (00:00) Intro (01:00) $89K of BAD Debt (07:00) Do This NOW! (10:58) Great News for Landlords (13:43) Dion's $1,000,000 Mistake (16:19) No Stocks, No Bonds...Just Rentals? (18:15) "Reverse Budgeting" (19:58) Emergency Reserves and Current Portfolio (22:13) Working 2 Hours a MONTH! (23:49) Dion's FIRE Advice (27:39) Connect with Dion! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-587 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is episode 200 of Price of Avocado Toast! What a wild journey! Thank you everyone for all of your support the last five seasons. Today we're debunking 6 common misconceptions about debt. We take on some of the big phrases you've heard and share why we don't agree with some of these stances. We want you to know you have value and worth to this world outside of your debt, so fighting these misconceptions is priority number one as we heal our mindset around debt. Enjoy!   In this episode, we chat about: Debt vs. Leverage Good Debt? Bad Debt? Do I have to do this alone?   MENTIONED IN THIS EPISODE: Empowered Money Academy ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Join Empowered Money Academy priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis  

Discover the secrets to financial freedom with this conversation on good debt vs bad debt. Learn how to use debt wisely to build wealth and achieve your financial goals.Victor Lagos is a distinguished mortgage broker and seasoned property investor with over a decade of financial acumen. Commencing his career at age 19, Victor's expertise lies within residential and commercial property finance, SMSF property finance, and diverse business loans.As the host of "Debt to Financial Freedom" podcast, Victor also shares profound insights on leveraging property for passive income. His personal journey, and financial challenges in early life, have combined into a wealth of knowledge Victor is eager to share with others in the hopes they too can create actionable financial strategies and become their own success stories. Victor, through Lagos Financial, collaborates with a trusted network for comprehensive financial solutions, emphasizing personalized guidance for passive income through property investment.Connect with Victor:Website: https://lagosfinancial.com.au/ Email: victor@lagosfinancial.com.au Podcast: https://lagosfinancial.com.au/podcast/ "Everybody says they want to be debt-free, but not many want to do the work. Victor's framework for obtaining financial freedom allows you to challenge your mindset to support you in creating a framework that allows you to be more conscious and intentional about your finances. I truly enjoyed this conversation." IdaRemember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can support you in getting more visibility on your products and services.#gooddebt #baddebts #moneytips #financialtips #entrepreneurmindset #moneymanagement #businesstips #hustleculture #investment

On this week's episode: Do you have a strategy for the next market pullback? Your next bank statement may show why banks are having a record year. There is good debt and bad debt. How much should you carry into retirement? If you inherited some money, why would your financial advisor be worried? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Is all debt bad, or can borrowing sometimes be a smart financial move? Doug Hoyes and Ted Michalos discuss debt's dual nature as both a financial tool and a potential burden. They break down the differences between "good debt" and "bad debt," providing clear advice on assessing what's manageable, when taking on new debt might be a smart move, and how to avoid common pitfalls.  Tune in for actionable insights on leveraging debt without letting it control your financial future! Timestamps: (0:00) – Conventional advice on “good debt” and “bad debt” (4:30) – Understanding your Debt-to-Income Ratio (DTI) (6:00) – Can you afford the payment? Key considerations (10:45) – Warning signs you have too much debt: What to watch out for (19:40) – Managing your Credit Utilization Rate (21:50) – Feeling stressed about debt? You have too much. (23:30) – How to assess the risks of taking on new debt (26:00) – Debt as a financial tool: Pros and cons (27:30) – Strategies for dealing with financial distress caused by debt We release new content every weekday! Follow our socials for funny podcast clips, money management tips, Q+A, and more! Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X)Hoyes Michalos LinkedIn Hoyes Michalos YouTube Debt Free in 30 YouTube Resources: Straight Talk on Your Money https://www.hoyes.com/straight-talk/ Hoyes Michalos Blog Doug Hoyes on X Find a Hoyes Michalos Office in Your Area Here Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

JPMorgan Chase and other major banks are setting aside extra cash in anticipation of an uptick in bad loans. Lending always comes with some risk, but right now, banks are worried about a few specific types of debt. Also in this episode: Some discouraged job seekers aren’t included in the official unemployment tally, OPEC downgrades its demand forecast — again, and Russian bots take over online poker games.

JPMorgan Chase and other major banks are setting aside extra cash in anticipation of an uptick in bad loans. Lending always comes with some risk, but right now, banks are worried about a few specific types of debt. Also in this episode: Some discouraged job seekers aren’t included in the official unemployment, OPEC downgrades its demand forecast — again, and Russian bots take over online poker games.

JPMorgan Chase and other major banks are setting aside extra cash in anticipation of an uptick in bad loans. Lending always comes with some risk, but right now, banks are worried about a few specific types of debt. Also in this episode: Some discouraged job seekers aren’t included in the official unemployment, OPEC downgrades its demand forecast — again, and Russian bots take over online poker games.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1464: Jeff Cornwall explores the difference between good and bad debt, focusing on how understanding their distinctions can guide more responsible financial decisions. He emphasizes the importance of aligning debt with long-term goals, encouraging a thoughtful approach to borrowing that avoids common pitfalls and fosters financial stability. Read along with the original article(s) here: https://drjeffcornwall.com/2020/09/15/good-debt-bad-debt/ Quotes to ponder: "Good debt is borrowing that is used to purchase something that will grow in value or generate income." "Bad debt is borrowing to purchase things that lose value quickly or are consumed immediately." "Too much bad debt can lead to financial stress, even when income is steady." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1464: Jeff Cornwall explores the difference between good and bad debt, focusing on how understanding their distinctions can guide more responsible financial decisions. He emphasizes the importance of aligning debt with long-term goals, encouraging a thoughtful approach to borrowing that avoids common pitfalls and fosters financial stability. Read along with the original article(s) here: https://drjeffcornwall.com/2020/09/15/good-debt-bad-debt/ Quotes to ponder: "Good debt is borrowing that is used to purchase something that will grow in value or generate income." "Bad debt is borrowing to purchase things that lose value quickly or are consumed immediately." "Too much bad debt can lead to financial stress, even when income is steady." Learn more about your ad choices. Visit megaphone.fm/adchoices

Interview recorded - 2nd of September, 2024Substack - https://rubino.substack.com/On this episode of the WTFinance podcast I had the pleasure of welcoming back John Rubino. John was the Founder of dollarcollapse.com, author/co-author of 5 books and has a great Substack.During our conversation we spoke about John's thoughts about the economy, interest rate cutting, another real estate credit event, similar to the 90's, milkshake theory, new standard currency, gold miners and more!0:00 - Introduction0:57 - What is John seeing in the economy?2:46 - Interest rate cut to help?5:15 - Another real estate credit event?6:40 - Banks to benefit from interest rate cuts?9:29 - Similar to the 90's?12:33 - Drawn out recession or flash crash?17:48 - Thank you!19:08 - Milkshake theory and the dollar?21:57 - New standard currency?25:14 - BRICS buying gold while West sells30:36 - Gold miners?33:13 - One message to takeaway from our conversation?John Rubino is a former Wall Street financial analyst and author or co-author of five books, including The Money Bubble: What To Do Before It Pops and Clean Money: Picking Winners in the Green-Tech Boom. He founded the popular financial website DollarCollapse.com in 2004 and sold it in 2022.John's newsletter provides actionable advice, based on a couple of premises:- The financial world is spinning out of control and will get considerably worse before it gets better.- There are things we can do to improve our odds of surviving and thriving as the chaos unfolds.John Rubino - Substack - https://rubino.substack.com/LinkedIn - https://www.linkedin.com/in/john-rubino-a952146/WTFinance - Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Good debt vs bad debt. It's a topic that often sparks debate and confusion, and while some people believe that all debt is bad, the reality is that not all debt is created equal. In fact, when used wisely, the right kind of debt can be a powerful tool to build generational wealth.

Romans 13:8-10