Podcasts about Bankrate

Shoppers are more cautious ahead of this year's holiday season. Bankrate's Ted Rossman has the latest data.

In this episode, Lawrence discusses and breaks down how U.S. politics and market psychology are colliding midway through 2025—and what that means for your portfolio. Separating headlines from fundamentals, map plausible policy paths, and translate them into clear investing moves you can actually execute.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus 

Even if you're a do-it-yourself investor, there are times when getting professional financial help can be one of the best investments you'll make. Robert Brokamp talks with Bankrate's Dayana Yochim about how a financial planner can help you navigate a money-related life event, relieve financial stress, prioritize your goals, and make sure you get money stuff done. Also in this episode: -Through most of the 2000s, wage growth for job switchers was higher than for job stayers. But not now. -The number of ETFs now exceeds the number of stocks – is that good or bad news? -It's an odd time for the housing market, as evidenced by the fact that new homes cost less than existing homes. -Tips for making the most of your 401(k) Host: Robert Brokamp Guest: Dayana Yochim Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It's not uncommon for some folks to look back on their personal financial history and have some remorse. Today, John Walker, Regional Vice President, Mercer Advisors, is joined by CERTIFIED FINANCIAL PLANNER® professional Jason O'Meara, Wealth Advisor and Sr. Director, Mercer Advisors. They discuss a recently released Bankrate survey identifying some of the drivers of financial regrets, how they've changed over the years, and how to address them. Listening Time: 26 minutes Mercer-Cordasco Disclosure Information Visit Our Website Join Our Email List Additional Mercer Advisors Disclosure Cordasco Financial Network is a tradename. All services provided by Cordasco Financial Network investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. (“Mercer Advisors”), an SEC-registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Cordasco Financial Network. Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc.

 Chuck warned listeners a few weeks ago that he had been hit by a computer virus, and that they should not open a spam e-mail that was being sent from one of his accounts. But that was the beginning of his online misadventures, because he hadn't just gotten a virus, he was hacked. Thieves have stolen nearly $4,000 from an online bank account, and they did it right under his nose. He explains how it happened, how he caught it, why he thinks he will eventually get restitution from the bank and more. Stephen Kates discusses a survey on financial regrets from Bankrate.com, which showed that the most common regret for Americans now is not saving for retirement early enough, followed by racking up too much credit card debt.  Nick Pisano talks about research from Clever Real Estate showing that 60 percent of Americans believe that having a nearby short-term rental unit from a site like AirBNB lower's a home's appeal and value. The problems run from rental guests not caring about the neighborhood they're staying in to the constant in-and-out reducing the quality of life for the locals.   In the Market Call, John Cole Scott, president of CEF Advisors, discusses his "trifecta analysis" of closed-end funds and how frequently he will add or drop funds to take advantage of market conditions but also tax circumstances.

The TFG crew is back together (including Lovely), and in this episode, we dive into the growing trend of artists hitting the road more frequently. Are musicians touring more because they need the income, or is it a shift in how the industry operates? We discuss the financial realities of modern music careers, the impact of streaming on album sales, and how live performances are becoming a key revenue stream. Tune in for insights into the evolving music landscape and the pressures artists face today.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Bankrate, Karen Bennett joins Megan Lynch to talk about budgeting for the holidays.

Natalie Todoroff, Insurance Expert at Bankrate, joins Lisa Dent to talk about home insurance. Todoroff details how homeowners insurance costs a little over 3 percent of household income in Illinois. Among external factors, even personal changes like a drop from good credit to poor credit can add over four thousand dollars in yearly payments, Todoroff […]

TFG is back! Well, technically only Lawrence lol. In this episode, Lawrence discusses unpacking the “silence deficiency”: the constant noise—notifications, meetings, mental clutter—that drains focus, creativity, and emotional bandwidth. He explores why strategic quiet isn't a luxury but a performance tool, and how to incorporate micro-moments of silence into a busy day without quitting your life.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus 

Do you have any financial regrets? Nearly three quarters of Americans do, with credit card debt and not saving enough for retirement two of the biggest. Stephen Kates, Bankrate financial analyst, joins us.

Southwest Airlines announced some big changes recently, and customers of the “Love Airline” are not feeling it. Joe Guinto, a business reporter who wrote this season, joins David to discuss the airline's next steps, and what it'll take to keep fans and employees loyal. Later, Bankrate's Benét Wilson (also known as the “Aviation Queen”) https://www.bankrate.com/authors/benet-j-wilson/ explains those high ticket prices, and which credit cards give frequent flyers the most bang for their buck. Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to Business Wars on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App or on Apple Podcasts. Start your free trial today by visiting wondery.com/links/business-wars/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bankrate's credit card expert Katie Kelton joins Megan Lynch with a look at the at how higher tariffs are trickling down to consumers.

The track of Hurricane Erin serves as a reminder that it doesn't take a direct strike for a storm to cause major damage... and Mother Nature usually wins most of those battles (at 12:43) --- Bankrate's latest Wage to Inflation Index shows prices continue to rise faster than paychecks, but the gap is narrowing - at least for now (at 24:41) --- ICYMI: Details on today's Overdose Awareness Day in the community (at 43:48) --- Throwback Thursday: Overdose deaths continue to be a concern, so why are millions of Americans still misusing prescription medications? (at 51:49)

The Signal Beneath the Noise Serious operators obsess over the next print, but my podcast/YouTube guest this week, Bankrate senior economic analyst, Mark Hamrick, argues the industry is missing the structural signals that actually set the cost of capital and shape demand.   Start with this premise: Data credibility is a macro variable.   When the quality of national jobs and inflation statistics is questioned, it is not just an esoteric Beltway quarrel; it becomes a pricing input for Treasuries and, by extension, mortgages, construction loans and exit cap rates.   As Hamrick puts it, the path to good decisions for households, enterprises and policymakers ‘is lined by high quality economic data, most of which is generated by the federal government.' Hamrick's concern is not theoretical. He links the chain plainly: if markets doubt the numbers guiding the Federal Reserve's dual mandate, you can ‘envision a scenario where there's less demand for our Treasury debt,' forcing higher yields to clear supply – an economy‑wide tax that lifts borrowing costs from mortgages to autos and narrows the Fed's room to maneuver.   What Happens If Trust Erodes? The near‑term catalyst for this anxiety is unusual: the Labor Department's head statistician was fired after unfavorable revisions, and an underqualified nominee has floated ideas as extreme as not publishing the data at all. Hamrick's advice for investors and executives is simple: pay attention. This may not break the system tomorrow, but it introduces risk premia where none previously existed.   Through a real estate lens, the translation is straightforward.   Underwriting already contends with volatile inputs on rents, expenses and exit liquidity; add a credibility discount on macro data and your discount rate moves against you. Prudent sponsors should stress‑test deals for a modest upward shock in base rates – an echo of Hamrick's ‘economy‑wide tax' – and consider how thinner debt markets would propagate through construction starts and refis.   Housing's Lock‑In: Inventory, Not Prices, Is the Release Valve The ‘lock‑in effect' remains the defining feature of U.S. housing. Owners sitting on sub‑3% mortgages are rationally immobile, starving resale inventory and suppressing household formation mobility, a dynamic Hamrick equates with today's ‘no hire, no fire' labor market: stable but sluggish churn. Builders fill some of the gap, but affordability remains constrained by national price firmness and still‑elevated mortgage rates relative to the pandemic trough.   What happens if mortgage rates dip to 6.25% or even 5.5%? Don't expect a binary ‘unlock.' Hamrick argues for incremental improvement rather than a light switch: lower rates would expand qualification and appetite gradually, and, crucially, free inventory. He is less worried that cheaper financing simply bids up prices; the supply response from would‑be sellers is the more powerful margin effect.   For operators underwriting for‑sale housing (build to rent or single-family home developments), the tactical read is to focus on markets where latent move‑up sellers dominate and where new‑home concessions currently set the comp stack. He also reminds us of the persistent, national‑level truth: prices have been unusually firm for years; in the U.S., homeownership is still the primary path to wealth – advantage owners, disadvantage non‑owners.   Wealth Transfer: Inequality In, Inequality Out The widely cited $84 trillion Boomer‑to‑GenX/Millennial wealth transfer via inheritance won't repair the middle class. It will mainly perpetuate asset inequality: assets beget assets, and the recipients most likely to inherit are already nearer the ‘have' column. That implies continuing bifurcation in housing demand (prime school districts, high‑amenity suburbs) alongside a renter cohort optimizing for cash‑flow goals rather than equity growth. For CRE, that supports a barbell: high‑income suburban nodes + durable rental demand where incomes grow but deposits lag.   Renting Without Shame and the Budget Reality Check Hamrick is refreshingly direct: there is no shame in renting as, perhaps, there used to be. For many households, renting is a rational bridge to other financial goals; build emergency savings, avoid surprise home maintenance expenses, and keep debt service from getting ‘too far out over your skis.'   For CRE owners, this fortifies the case for professionally managed rental product with transparent total‑cost‑of‑living and flexible lease options. For lenders, it argues for cautious debt-to-income ratios and expense reserves in first‑time buyer programs.   Tariffs, Inflation, and the New Dashboard Hamrick closes with a monitoring list to stay on top of dominant economic trends: labor market strength (monthly employment; weekly jobless claims), the inflation complex (Consumer Price Index (CPI), Producer Price Index (PPI), and Personal Consumption Expenditures index (PCE)), and the full housing tape (mortgage rates, existing/new sales, builder confidence, starts) plus, of course, one political‑economy input now impossible to ignore: tariffs, with the effective rate at the highest level since the Great Depression.   For CRE, tariffs are not an abstract: they seep into materials costs, fit‑out budgets, and the headline inflation path that steers the Fed. Sponsors should build tariff scenarios into Guaranteed Maximum Price (GMP) contingencies and model procurement alternates.   Actionable Takeaways for CRE Professionals Price a credibility premium: Run sensitivities for higher Treasury yields if data trust wobbles; Pay attention to how easily the government can sell its debt and the extra yield investors demand on longer bonds. Both shape interest rates, which then filter into real estate cap rates. Underwrite inventory elasticity, not sticker shock: As rates ease, model inventory release ahead of price spikes; focus on submarkets with pent‑up sellers. Lean into renting's rationality: Product that aligns with household cash‑flow priorities will capture durable demand while affordability resets. Track tariffs as a construction line‑item and macro tailwind to inflation: Feed this into budgets and hold periods. My conversation with Mark really brought home how connected real estate is to the bigger capital markets picture. If you want a sense of where cap rates are heading, keep an eye on the bond market – because that's where the story starts.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Chuck Zodda and Paul Lane discuss the under-the-radar number that's a huge red flag for America's job market. Sarah Foster, Bankrate.com, joins the show to share the latest wage vs inflation index numbers. What is causing the casual-dinning boom? Is a prediction market just a gambling workaround? Big business came prepared for this White House.

Stephen Kates with Bankrate explains a study looking at home equity growth across the country, and how it impacts people in New York State full 271 Mon, 18 Aug 2025 08:30:00 +0000 mrz59R9aNn5iREWZnAR1KVF20dSftgx7 buffalo,news,new york state,wben,bankrate,home equity WBEN Extras buffalo,news,new york state,wben,bankrate,home equity Stephen Kates with Bankrate explains a study looking at home equity growth across the country, and how it impacts people in New York State Archive of various reports and news events 2024 © 2021 Audacy, Inc. News

Greg McBride of Bankrate says there is a lot of numbers yet to be seen before we can see a rate cut. He also says we have not seen the impact of tariffs yet

Amanda Agati, chief investment officer at PNC Asset Management Group, says that with the purple haze of fiscal policy uncertainty and tariffs having lifted, the "pace of natural advancement" doesn't have a lot of room left in 2025, but after a slower grind into the end of the year, she thinks that 2026 "is shaping up to be an acceleration type of a year."  She expects broader stock market participation to help with that, though she says that breadth will extend to the 493 stocks that are in the Standard & Poor's 500 but not the Magnificent Seven, rather than to small caps. Agati also said that the international rally thus far this year is likely to slow significantly.  David Trainer of New Constructs put "unattractive asset managers" in the Danger Zone this week, and singled out Virtus Investment Partners as a prime example, saying it wasn't just that the money manager has a suite of mostly unattractive funds, but that its results as a stock could get ugly too. Ted Rossman, senior industry analyst at BankRate.com discusses the site's back-to-school shopping survey, which surprisingly showed that fewer Americans are saying that school shopping is putting pressure on their finances this year. One reason why is that shoppers say they have changed some of the ways they shop in response to higher inflation.  Plus, in the intro segment, Chuck discusses his experience with a warranty program — something he normally disdains and avoids — that started out looking ugly, but wound up with a happy ending.

A recent Bankrate survey shows that nearly one in five back-to-school shoppers say the costs are putting significant pressure on their household budgets.Intuit Credit Karma reports that 39% of parents say they simply can't afford back-to-school shopping this year, while more than half (56%) are scaling back nonessential spending to cope.According to Deloitte, 52% of parents are worried about rising prices on school supplies and plan to cut back on things like eating out and entertainment to compensate.Paper costs have soared by 120% and could double again, while the Consumer Technology Association projects laptop and tablet prices could increase by as much as 68%.On Wednesday, August 6, NEA President Becky Pringle is available to discuss:How are tariffs and tight budgets impacting back-to-school spending?What does the new data tell us about how educators are making sure their students have what they need to begin the school year?Why are so many teachers and school support staff paying for supplies out of pocket?What impact does the delay or disruption in federal preK-12 education funding have on students and schools?How can parents and communities do to support their local educators and public schools?Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

A recent Bankrate survey shows that nearly one in five back-to-school shoppers say the costs are putting significant pressure on their household budgets.Intuit Credit Karma reports that 39% of parents say they simply can't afford back-to-school shopping this year, while more than half (56%) are scaling back nonessential spending to cope.According to Deloitte, 52% of parents are worried about rising prices on school supplies and plan to cut back on things like eating out and entertainment to compensate.Paper costs have soared by 120% and could double again, while the Consumer Technology Association projects laptop and tablet prices could increase by as much as 68%.On Wednesday, August 6, NEA President Becky Pringle is available to discuss:How are tariffs and tight budgets impacting back-to-school spending?What does the new data tell us about how educators are making sure their students have what they need to begin the school year?Why are so many teachers and school support staff paying for supplies out of pocket?What impact does the delay or disruption in federal preK-12 education funding have on students and schools?How can parents and communities do to support their local educators and public schools?Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-like-it-s-live--4113802/support.

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings.The numbers are alarming, but they don't have to define your future.Laying the Foundation: Live on Less Than You EarnBefore we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It's the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it's easy to drift. But a budget anchors your finances and gives every dollar a purpose.That's where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values.Proverbs 6:6–8 urges us:“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.”The ant doesn't wait for a crisis—it stores up in advance. That's what budgeting does. It's not about restriction; it's about preparation and wisdom.Why Investing Comes NextOnce you've created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest.As Proverbs 21:5 (TLB) says:“Steady plodding brings prosperity; hasty speculation brings poverty.”Wise investing isn't about chasing trends—it's about faithful, consistent action over time.Maybe you're thinking, “I don't make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you'll have over $300,000 by age 65. That's the power of small, faithful steps over time.And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge.Wealth With a Purpose: Stewardship, Not Self-SufficiencyRemember: financial freedom isn't independence from God—it's dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”God doesn't call us to perfection—He calls us to faithful stewardship.Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God's Kingdom work—not just provide for ourselves. So if you're feeling stuck, start small:Build a budgetCreate marginSave a littleInvest a littleTrust God with the processOver time, you'll be amazed at what He can do through your faithfulness.On Today's Program, Rob Answers Listener Questions:My friend is interested in investing directly in Israel's stock market—how would they go about doing that? Additionally, I'm 83 years old and own a home valued at $360,000. I need to replace the iron pipes, which could cost between $35,000 and $51,000. At my age, what are my options for financing a project like this?My 66-year-old brother wants to set aside money to care for his adult autistic son, who currently lives in a group home. What's the best way for him to save and plan financially for his son's future care after he's gone?I'm 70, working full-time, and receiving Social Security, but I have no savings. My wife and I have been married for 50 years, but she refuses to save. What guidance can you offer for improving our financial situation at this stage in life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan's Israel Common Values Mutual FundWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Today's Episode... Holly Morphew shares her journey from facing significant health challenges and financial struggles to becoming a successful money coach and entrepreneur. She discusses the importance of financial education, the impact of health on financial decisions, and her unique approach to budgeting and financial planning. Holly emphasizes the need for a financial impact system that empowers individuals to take control of their finances and achieve financial independence. In this conversation, Holly Morphew and Jordan Pendleton explore the intricate relationship between financial responsibility, personal growth, and the mindset required to achieve true abundance. They discuss the importance of understanding wants versus needs, the journey of taking responsibility for one's financial situation, and the transformative power of suffering and growth. Holly emphasizes the significance of intention and attention in healing, the necessity of kindness and grace towards oneself, and the empowering realization that we are our future selves. Connect with Holly Morphew Website Book Instagram LinkedIn   About Holly... Holly is a best-selling author, international keynote speaker, personal finance expert, award winning financial coach, and business strategist. At the age of 20 Holly was diagnosed with a chronic illness which required expensive medication to treat and resulted in five figure debt. She made it her mission to reach early financial independence and succeeded as well as miraculously overcoming the disease doctors said would never go away . Her mantra, "Life is for Living," is at the heart of her programs, helping high-impact leaders create financial security and drive positive change. Holly is a pioneer in the personal finance industy and author of Simple Wealth, which was featured on Bankrate's top ten personal finance books of 2022 and a #1 best-seller on Amazon.   Don't forget about this amazing free offer from Jordan. She put a lot of time and effort into this project to be able to offer it to you, absolutely free! Take advantage now while you can! eBook: Couples Guide to Getting on the Same Page About Money   Reminder: Subscribe, Rate & Review this podcast!   Whatever platform you are listening on, make sure to follow or subscribe & sign up for notifications for when weekly episodes drop every week! And if you feel called, please leave a rating and review. This helps us to reach more people!  JordanPendleton.com

Bankrate analyst Alex Gailey joins Megan Lynch for a look at the housing market in the US. Which region is hot and which is cold now?

In this episode, we speak with Tony Steuer, CLU, LA, CPFFE, an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. Financial fluency and planning mirrors much of what individuals experience in their career planning and progression. Think of mindset, personal preferences, emotions, and life goals. Topics in the discussion include: How goal setting can help you choose various paths that align with what you want in life Financial fluency is something people can learn at any point in life Understanding job and financial scams, and things to be on the lookout for if they come to you As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He is the Chief Evangelist at Yetworth Collaborative and serves as an advisor to Insurance Nerds and Dingo Technologies. Tony's thought leadership has earned recognition as a Finalist in ThinkAdvisor's LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC's Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News. Tony's website is https://www.tonysteuer.com/ The episode is moderated by Justyn Makarewycz, Deputy Director, Employer and Recruiter Relations at the GCMC (https://www.linkedin.com/in/justyndm/)

The crew is back and reunited, and in this episode, we delve into the bold and transformative piece of legislation, the Big Beautiful Bill, aimed at addressing and reducing significant federal programs such as Medicaid and Federal student loans. We unpack how the bill came to life, what it seeks to change, and why it's being hailed as both ambitious and necessary.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

We break down some recent economic news, the Fed defying President Trump, and go over the big jobs report that has Trump mad with Mark Hamrick, a Bankrate senior economic analyst

On Friday's show: This week, experts from across Texas testified at a hearing on disaster preparedness and flooding in the wake of the deadly Central Texas floods. Among those who testified were representatives from Rice University's SSPEED Center, whose Jim Blackburn discusses how what happened in Central Texas relates to past storms here.Also this hour: A recent report from Bankrate ranked Texas near the bottom when it comes to the best states to retire. Why? And how does Houston stack up? We consider the pros and cons of retiring here.Then, from what used to be Houston's own Shipley's Do-Nuts being sold to a California company, to an ad campaign's play on words that has some worried about eugenics, this week's non-expert panel weighs in on The Good, The Bad, and The Ugly of the week.And Hank, Peggy, and Bobby are back as King of the Hill returns after 15 years. Its showrunner Saladin Patterson talks about bringing back the beloved animated series and its depiction of small-town Texas life.

This week Michael Farr welcomes Jim Iuorio on the markets, Matt Leffingwell on the latest insider's view in Congress, and Mark Hamrick from Bankrate.com for a discussion of the latest from the Fed.Bringing you Wall Street, Washington, and The World -- it's The FarrCast!

Bankrate's Senior VP and Chief Analyst Greg McBride breaks down the Federal Reserve's decision to keep interest rates unchanged and what stronger-than-expected Q2 GDP numbers signal for the economy. He explains how these developments could impact inflation, jobs, and your personal finances.

Greg McBride of Bankrate says that it appears that rates will stay the same

Matt Harris, chief investment officer at The Hausberg Group, says that he expects a correction in the not-too-distant future, but he says that it is more likely to be about time — where the market trades sideways and lets the fundamentals catch up to recent price activity  than it is about stock prices. In fact, Harris is not exceptionally worried about the current rally ending, because while the market is up about 30 percent since its April lows, it is only up about 15 percent in the last year. That's good, Harris says, "but not too far too fast," especially because current performance is within the ranges of historical norms. Greg McBride, chief financial analyst at BankRate.com, says he still expects the Federal Reserve to make two rate cuts before year's end, but he's not expecting any moves when the central bank meets this week, and he says that rate cuts have already been mostly priced into the market , meaning that when reductions finally happen they will not have the full, classic impact that the market expects from cuts. Plus Drew Miyawaki, director of managed investment solutions for Westwood Holdings Group, talks about allocating assets now amid global uncertainty and ways to play foreign markets by focusing at least as much on a country's government structure and geopolitics as on its markets.

Bankrate Chief Financial Analyst Greg McBride, joins Megan Lynch previewing this week's Federal Reserve meeting.

In this episode, the crew discusses the rising costs of living in today's "Labubu world," exploring how inflation, lifestyle choices, and shifting economic trends are making everyday expenses feel more overwhelming. We discuss the challenges of balancing personal finances, maintaining a sense of normalcy, and navigating the pressures of a pricey reality. Tune in for expert tips on staying financially savvy and navigating the high costs of modern life.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger@theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Chuck Zodda and Mike Armstrong discuss home prices hitting a new record in June, dragging down sales. Ted Rossman, Bankrate, joins the show to share the results of a recent back-to-school shopping survey. Trump to tour Federal Reserve, ramping up pressure on Powell. What most Americans get wrong about Social Security. Thousands of workers feel reduced burnout after four day work week trial.

Segment 1: Mark Hamrick, Washington Bureau Chief and Senior Economic Analyst for Bankrate.com, talks to John about a new Bankrate survey that shows nearly 1 in 2 workers plan to search for a new job in the coming year. Segment 2: Bree Fowler, Senior Writer, CNET, joins John Williams to talk about President Donald Trump unveiling a new plan for […]

Ted Rossman of Bankrate says that while is inflation is down, this is still a very expensive time of year, but has some tips to save you money

On today's Sharper Point Commentary, Jim Sharpe discusses the recent Bankrate poll which showed Arizona falling in the rankings to 31st in the nation for retirees. What factors could be contributing to this drop in the rankings?

In this episode, we often overlook the financial challenges of being a caregiver, from the cost of medical care to the impact on personal income. Lovely shares the budget strains of being a caregiver for her mother  and what steps one can take to manage the financial side of it. We also cover other resources and strategies that can help caregivers.  From reduced work hours and lost income to unexpected out-of-pocket expenses, we discuss the hidden costs associated with caring for a loved one. This conversation sheds light on what it truly costs—both financially and emotionally—to care for someone else.Wait! What is Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger@theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Segment 1: Ted Rossman, Senior Industry Analyst at Bankrate, joins John to share tips on how to pay off credit card debt. Segment 2: Bree Fowler, Senior Writer, CNET, cnet.com, joins John to talk about the class action $8 billion investors' lawsuit against Meta CEO Mark Zuckerberg and the company leaders, and other business news. […]

High mortgage rates are impacting home sales, says Jeff Ostrowski, Housing Market Analyst for Bankrate. He told Megan Lynch that buyers need to 'reset their expectations' about mortgage rates for the long-term.

Mike Armstrong and Paul Lane discuss Treasury Secretary Scott Bessent suggesting Powell should leave Fed board in May. Starbucks tells white-collar workers to come to the office more. Jeff Ostrowski, Bankrate, joins the show to chat about a recent homebuyers/homesellers survey. Why have US stocks and bonds had 'healthy' returns this year despite Trump's tariff threats? Is the job market really that bad for Gen Z?

"Out of control." "Pay employees better." Those are just two of the responses in a recent survey about tipping culture. We break down the report with Bankrate analyst Ted Rossman. Have you changed how and when you tip?

Lawrence and Alainta explore the historical roots, cultural significance, and future possibilities of wealth within the Black community, specifically through the annual Essence Festival in New Orleans. The episode examines the barriers that exist at the festival and the innovative strategies being employed to redefine prosperity. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

President Donald Trump's sweeping tariffs earlier this year set off alarm among economists about a risk that just about every U.S. shopper fears: major price hikes. Instead, inflation has cooled, defying doomsday predictions and helping to propel sturdy economic performance. Side hustling is seemingly American as apple pie, with over one in four (27 percent) American adults taking on side jobs in addition to their full-time occupation, according to Bankrate's most recent Side Hustle Survey. In a time when nearly half of Gen Z lies on their job applications — it's no surprise that they're also fibbing on their resume to land a job.

Chuck Zodda and Marc Fandetti discuss inflation eating away at the labor market because gains might just be a mirage. Ted Rossman, Bankrate, joins the show to share the results of a recent side hustle survey. How Volkswagen's electric bus went from American flagship to flop. Tech platforms are struggling to indentify AI generated pictures. 

Shannon Martin, Bankrate insurance expert, joined the show to talk about home insurance affodability challenges. She says carriers are starting to limit coverage as rates increase.

Discover what Americans really think about money, wealth, and financial security in this eye-opening episode of the MX3 Podcast. From fast food rankings to the harsh truths of poverty levels, we cover it all—statistics, cultural shifts, and why $100K might no longer cut it.

According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key areas in retirement planning: It provides us with something fulfilling to do after our primary career and provide a little extra cash in retirement.   The benefits of a side hustle: Mental Engagement Extra Income Social Connection Sense of Purpose The Pitfalls of a side hustle: Tax Complications Outspending your retirement budget in search of business profits Medicare Premium Creep (IRMAA) Lifestyle Clash Time Commitment Also in this episode, we discuss a listener's question about global stock allocations - and asks if I think it's better to own a global fund or to own US & international equity separately. How can one balance simplicity and effectiveness in their plan?  Resource:  Article by Maurie Backman: Monetizing a Hobby in Retirement: The Benefits and Pitfalls Article by Bankrate: https://www.bankrate.com/credit-cards/news/side-hustles-survey/   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

In this episode, Lawrence and Alainta delve into the conservative movement of encouraging women to have more children. People often feel stretched too thin, emotionally drained,  and going through the motions with their lives. We discuss practical ways to transition from a state of survival to being fully present with the choice of parenting or not. From setting boundaries and redefining self-care to letting go of unrealistic expectations, this episode is all about reclaiming your joy and reconnecting with the moments that matter most.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunity is abundant and a Win-Win.Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Rob Haworth, senior investment strategist at U.S. Bank Asset Management, says that the volatility and headline risks of the first half of 2025 haven't changed the outlook for the market and economy, which can grind through the rest of the year and into 2026 with modest gains. Haworth acknowledges "a lot of questions still to be answered," but he says that most of the answers will be within degrees of expectations, and a lack of surprises should allow the market to grind higher. That said, Haworth said investors will want to be properly diversified to protect themselves against the volatility and the news risks. David Trainer of New Constructs puts Carvana back in The Danger Zone, noting that the stock — which he first singled out in April of 2019 — has roared back from a low of $4 per share in December 22 to gain more than 50 percent year-to-date and nearly 150 percent in the last year, rising to a stock valuation "that implies that Carvana will sell as many vehicles as General Motors." Plus Greg McBride, chief financial analyst at BankRate.com, on their latest survey research, which showed that 60 percent of Americans are uncomfortable with their current level of emergency savings, and half of Americans don't have enough emergency savings to cover three months' expenses.