Podcasts about be rich

Summer Fest is a teaching series that explores the festivals of Israel as divine moments set on God's calendar—intentional times where He invited His people to encounter His presence, remember His faithfulness, and anticipate His redemptive plan. These sacred festivals were not merely ancient traditions but signposts pointing forward to Jesus Christ and God's ongoing work in the world today. As we journey from Passover to Pentecost, we will see how God uses sacred time to shine light into darkness, shape His people, and call us to respond. The same God who set appointments then is still inviting us now—the question is whether we will show up.This first message helps set the stage and get us in the right frame of mind to enter into the consecutive weeks and their festivals. One of the first things we grapple with is our image of who God is. Is your image of God like the Cosmic Killjoy or as the Hulk - always angry? Well, we have some good news for you! God established these joyous festivals, and Jesus kept up the tradition: God likes to party too! Join us as wade into this series and orient ourselves to what God is up to!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

One thing we see in Scripture is how God invited His people to befriend those who were different from them. One story we read about in Acts 10 when Peter, one of the 12 disciples of Jesus, encounters a Roman centurion after God sends both them divine messages to set up the meeting. God was super intentional with them! Join us as Pastor Jayden leads us into the heart of the Gospel and our final message in this series.This series explores God's design for friendship and offers practical, biblical wisdom for building healthy, life-giving relationships. Throughout this series, we will learn how to choose friends wisely, show up faithfully, navigate conflict, and grow together through honesty and grace. Ultimately, the series points us to Jesus as our truest friend and the foundation for all meaningful connection.Join us for service every Sunday at 9:15am or 11:00am (EST).Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

If there's one thing we all could work on, it would be learning how to be present with our friends. How to rejoice with them when they are celebrating, and how to mourn with them when they are grieving. A great rule of thumb is to say little and sit long. A lot of times, our well-meaning words land poorly, so just show up and by your presence demonstrate your love and support. Check out this message for more wisdom from Scripture on how to be a present friend.This series explores God's design for friendship and offers practical, biblical wisdom for building healthy, life-giving relationships. Throughout this series, we will learn how to choose friends wisely, show up faithfully, navigate conflict, and grow together through honesty and grace. Ultimately, the series points us to Jesus as our truest friend and the foundation for all meaningful connection.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

The Bible, as God's Word, is full of wisdom about friendships and relationships. Join us as we dive into three passages that reveal not only warnings about choosing poorly but also great advice for how to choose wisely our closest people. Because we really are a product of the 4-5 people we hang around the most, so let's choose the right friends.This series explores God's design for friendship and offers practical, biblical wisdom for building healthy, life-giving relationships. Throughout this series, we will learn how to choose friends wisely, show up faithfully, navigate conflict, and grow together through honesty and grace. Ultimately, the series points us to Jesus as our truest friend and the foundation for all meaningful connection.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

This series explores God's design for friendship and offers practical, biblical wisdom for building healthy, life-giving relationships. Throughout this series, we will learn how to choose friends wisely, show up faithfully, navigate conflict, and grow together through honesty and grace. Ultimately, the series points us to Jesus as our truest friend and the foundation for all meaningful connection.It all starts by recognizing and accepting that we were not created to be isolated, do-it-yourself individuals. Rather, in the very beginning, God said that it wasn't good for the human to be alone. Then He created man and woman, two people to live and work in relationship, just as God created humans to live and work in relationship with Him. Jesus modeled this too. So join us for this important diagnostic message and get ready to dig in!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

You've been told a hundred times that if you're not starting a business, you're falling behind. And yet the idea of ditching your paycheck for “the hustle” can feel equal parts exciting and terrifying. If you're stuck in that spiral of “Should I build something or stay put?” this episode is going to feel uncomfortably relatable in the best way. Omar meets up with Ramit Sethi in Tokyo for an in-person interview, and it feels extra special because it's not just a random sit-down. Omar's been following Ramit's work since the early blog days, so there's real history and curiosity behind the questions. Together they get into when starting a business actually fits your personality and goals, and when the smarter move is building wealth through your career and long-term investing. You'll also hear how both of them think about a “rich life” in a way that's way more real than the usual internet noise. If you're ready to stop guessing and start thinking like someone who's serious about building a richer life, click play at the top of the page and hear what really separates “starting a business” from building real wealth your way. MBA2776 Ramit Sethi - Is Starting A Business Really The Best Way To Get Rich? Resources: Podcast: Money for Couples Book: Money for Couples by Ramit Sethi Netflix Series: How to Get Rich Book Review: I Will Teach You to Be Rich by Ramit Sethi Recommended episodes to explore: Ramit Sethi – Navigating Money & Relationships Ramit Sethi – How To Start Your Own Thing Ramit Sethi – Creating Your Rich Life Watch the episodes on YouTube: https://lm.fm/GgRPPHi SUBSCRIBE YouTube | Apple Podcast | Spotify | Podcast Feed Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This story includes three main actors: God, Philip, and the Ethiopian official. Phillip is in the middle of a incredible revival when God sends him to a desert road. The Ethiopian official is traveling home after worshipping God in Jerusalem, but his experience was limited because he would have been barred from entering the Temple precincts. Why was he barred? Because he was not physically sound, that is, he was a eunuch. But God sends Philip as a plot twist to meet the Eunuch, who had been excluded from the Temple, with the good news about Jesus, the One who welcomes all who believe. A good plot twist makes for a great movie! A good plot twist puts us on the edge of our seats as we see characters' lives move into a different direction and a new reality. When God steps into our lives, we can experience our own plot change. God can take away our guilt. God can bring healing when we least expect it. God can provide for us when we feel like hope is lost. God can see value in us when no one else does. Join us as we look at the stories of four people in scripture who experienced a divine plot twist. You'll learn how God wants to step into your life and change your story. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

We've all encountered the ones who seem so bent on destruction and violence that there's seemingly no way they could ever make a clean break and actually want to start over. King Manasseh was one of those people. Bound and determined to do literally everything God had forbidden, Manasseh did with gusto! Until he hit rock bottom's rock bottom. Then he prayed to make a clean break from his past. What's wild is God listened! A good plot twist makes for a great movie! A good plot twist puts us on the edge of our seats as we see characters' lives move into a different direction and a new reality. When God steps into our lives, we can experience our own plot change. God can take away our guilt. God can bring healing when we least expect it. God can provide for us when we feel like hope is lost. God can see value in us when no one else does. Join us as we look at the stories of four people in scripture who experienced a divine plot twist. You'll learn how God wants to step into your life and change your story. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Money conversations can feel loaded… emotional… sometimes even explosive.And for most couples, money only gets talked about when something goes wrong.In this episode, I'm sharing a powerful conversation with Ramit Sethi, author of I Will Teach You to Be Rich, about how the language we use around money shapes our relationships.Instead of asking reactive questions like “Why did you spend that?” or “How are we going to pay this off?,” Ramit challenges couples to focus on the bigger picture: the life they actually want to build together.He introduces the idea of a “Rich Life Review”—a simple monthly conversation where you and your partner look at key numbers, celebrate wins, and talk about your goals.Because the real problem isn't the $20 purchases couples argue about…It's that we rarely ask the $30,000 questions that shape our future.If you've ever felt awkward or stuck talking about money with your partner, this episode will give you a framework to start healthier, more productive conversations—and design a life you're truly excited to live.Click play to hear all of this and:[00:00] Why most couples only talk about money when there's a problem[02:00] How the language we use about money shapes our relationships[03:45] Why Ramit believes most couples argue about the wrong financial issues[05:00] The difference between $3 questions and $30,000 life questions[06:20] What a “Rich Life Review” is (and why it replaces budgeting meetings)[07:30] The simple framework for a monthly money conversation with your partner[09:00] The four key financial numbers every couple should track[10:30] How focusing on big-picture goals transforms money conversations

Loneliness. Rejection. One more bill in the mail. It wasn't just a bad week—it was twelve years of her life. Twelve years of bleeding. Twelve years of trying to get better. Twelve years of losing strength, hope… and money. Even after numerous "let's try another doctor" conversations, nothing changed, and her life became more and more isolated. Then Jesus came to her town, and all the hope she had left propelled her to push through the crowd to get close enough that He might heal her. Listen in on this incredible account of the woman who touched Jesus and was healed! A good plot twist makes for a great movie! A good plot twist puts us on the edge of our seats as we see characters' lives move into a different direction and a new reality. When God steps into our lives, we can experience our own plot change. God can take away our guilt. God can bring healing when we least expect it. God can provide for us when we feel like hope is lost. God can see value in us when no one else does. Join us as we look at the stories of four people in scripture who experienced a divine plot twist. You'll learn how God wants to step into your life and change your story. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

What if the people who told you no weren't protecting you at all? What if they were protecting THEMSELVES from the discomfort of watching you try something they never dared? The gatekeepers never guard the gate for your benefit. They stand there because they can't bring themselves to walk through it. In today's episode, I'm giving you the raw truth about what it takes to come back when everyone counts you out. From Wall Street to laundromats, from golden handcuffs to real freedom, this is the story of how the chip on your shoulder becomes your greatest asset and why the loneliest moments are where everything gets built. You'll learn: The ladder trap and how to know if you're climbing against the wrong building The Mitt Romney lesson on why you don't have to leave your job to win big Why cynics get to be right but optimists get to be rich Why money is the sword of the 21st century and how to wield it The comeback playbook from Michael Jordan, Dana White, and Sylvester Stallone If you've ever been denied, rejected, or pushed away, this episode is your counter punch. Because the only person who gets to decide when your comeback starts is you. Ready to turn your newsletter into your career? Head to https://beehiiv.link/h31sfy and use code CODIE30 for 30% off your first three months. ___________ (00:00:00) Introduction (00:00:20) The Chip on Your Shoulder: Why Being Counted Out Is Your Advantage (00:01:17) The Ladder Trap: When Success Feels Like Failure (00:02:49) The Loneliness of Leaving: When Everyone Disappears (00:03:47) You Don't Have to Burn the Bridges: The Employee Path to Wealth (00:07:54) The Ugly Middle: Where Everything Gets Built (00:09:39) Buy Boring, Build Quietly: The Wealth Nobody Talks About (00:10:18) Cynics Get to Be Right, Optimists Get to Be Rich (00:13:14) The Comeback Is Personal: Your Laundromat Moment (00:14:01) Money Is the Sword of the 21st Century (00:17:57) The Michael Jordan Energy: Use Doubt as Fuel (00:19:58) The Stallone Story: Selling Your Dog to Buy Your Dream ___________ MORE FROM BIGDEAL

If you've ever felt stressed, confused, ashamed, or behind when it comes to money, this episode is for you.  Whether you're living paycheck‑to‑paycheck, trying to pay off debt, building credit, wondering how you'll ever afford a home, or doing “okay” but still feeling anxious about the future, this episode will show you exactly what to do next.  This episode delivers the most important money advice you need to hear right now.  It will teach you the 4 essential rules of money - the skills no one ever taught you, but everyone needs to build financial freedom.  And it's your guide to taking control of your money: how to make it, how to save, and how to invest no matter where you're starting from.  And it's not about how much you earn. It's about learning how money actually works - so you can stop feeling overwhelmed and start feeling calm, capable, and in control.  Today, Mel shares the best money advice from four of the most trusted and influential experts in personal finance.  Tiffany Aliche, known as The Budgetnista, is a New York Times bestselling author who has helped millions of people save money, manage their finances, and pay off massive amounts of debt.  David Bach is a 10‑time New York Times bestselling author and the creator of The Automatic Millionaire, who will show you how small, automatic daily habits can turn into millions over time.  Ramit Sethi is a New York Times bestselling author, the creator of I Will Teach You to Be Rich, and the host of Netflix's How to Get Rich, is going to simplify money into four clear buckets.  Morgan Housel is the bestselling author of The Psychology of Money and one of the most respected financial thinkers in the world, and today he will help you understand the emotional and psychological forces that drive financial decisions. In this episode, you'll learn: - The 4 money rules that determine whether you build wealth or stay stuck - no matter what you earn - The #1 mistake that's quietly keeping people broke - How to stop guessing where your money is going and finally take control - The simple habits that make saving, spending, and investing feel easier - Why you can start feeling better about your life before you're debt‑free - How small daily decisions can turn into massive long‑term wealth - The mindset shift that instantly reduces money stress  After listening, you'll walk away with a clear plan, a healthier relationship with money, and the confidence to make smarter financial decisions starting today. This is simple, practical, and research‑backed financial advice that actually works. If you're ready to stop feeling overwhelmed and start taking control of your financial future, this episode is where it begins. If you loved this episode, you'll definitely want to listen to the full conversations with each of the financial experts you heard from today: Tiffany Aliche: 5 Rules of Money: How to Make It, Save It, & Be Smarter About It Rami Sethi: You've Got Money All Wrong: A Step by Step Guide to Living a Rich Life David Bach: The #1 Money Habit That Sets You Up for Financial Freedom Morgan Housel: The Best Financial Advice You'll Ever Hear For more resources related to today's episode, click here for the podcast episode page.   Connect with Mel:     Order Mel's new product, Pure Genius Protein Get Mel's newsletter, packed with tools, coaching, and inspiration. Get Mel's #1 bestselling book, The Let Them Theory Watch the episodes on YouTube Follow Mel on Instagram  The Mel Robbins Podcast Instagram Mel's TikTok  Subscribe to SiriusXM Podcasts+ to listen to new episodes ad-free Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A good plot twist makes for a great movie! A good plot twist puts us on the edge of our seats as we see characters' lives move into a different direction and a new reality. When God steps into our lives, we can experience our own plot change. God can take away our guilt. God can bring healing when we least expect it. God can provide for us when we feel like hope is lost. God can see value in us when no one else does. Join us as we look at the stories of four people in scripture who experienced a divine plot twist. You'll learn how God wants to step into your life and change your story. Naomi's life had hit a rough patch, but even though her family move to another country because of famine in Israel, at least she had her strong husband and two sons. And then her sons were married and their life together with two daughters-in-law blossomed -- until. Have you experienced that "until"? Until the bottom fell out, the walls caved in, and all your hopes seemed dashed? In a short period, Naomi's husband and both sons died, leaving her alone in the world. But God. Maybe you have seen the "but God" moments or maybe you are still waiting. Just know that God is still working in the behind the scenes to bring good out of your story, just like He did for Naomi. To hear how, listen in to this message!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

52 days. It was completed in just 52 days! What an incredible turnaround! Just like Jesus, who finished it in 3 days. Just 3 days, and he arose from death the victor! In both cases, it was totally a God thing. People don't just come back to life from horrific, disfiguring torture and death, and neither do walls that had lain desolate for 2 centuries rebuild themselves in under 2 months! But when God is behind it -- behind you! -- anything can be rebuilt and resurrected! Don't believe us? Check out this message for yourself!In a world marked by brokenness, setbacks, and uncertainty, the book of Nehemiah offers a powerful roadmap for restoration. This series dives into Nehemiah's journey of rebuilding the walls of Jerusalem—not just as a historical event, but as a spiritual blueprint for how God helps us rebuild our lives, families, communities, and faith. Through themes of prayer, vision, opposition, perseverance, and leadership, we will discover how God uses ordinary people to do extraordinary things when they surrender to His purpose. Whether you're facing personal ruins or seeking a renewed sense of purpose, this series will inspire you to rise up and rebuild.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: ⁠Bensound.com/free-music-for-videos⁠License code: 1EBH3J7EM5DURCTO

You know that you know that this is the right move, the right decision, the right time to make a change. But then why does it seem like everything is coming at you all at once?! The haters, the heartbreak, the setbacks. Nehemiah faced opposition and resistance too in the work he knew God had told him to do. How did he handle it? Check out this message to find out!In a world marked by brokenness, setbacks, and uncertainty, the book of Nehemiah offers a powerful roadmap for restoration. This series dives into Nehemiah's journey of rebuilding the walls of Jerusalem—not just as a historical event, but as a spiritual blueprint for how God helps us rebuild our lives, families, communities, and faith. Through themes of prayer, vision, opposition, perseverance, and leadership, we will discover how God uses ordinary people to do extraordinary things when they surrender to His purpose. Whether you're facing personal ruins or seeking a renewed sense of purpose, this series will inspire you to rise up and rebuild.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: ⁠Bensound.com/free-music-for-videos⁠License code: 1EBH3J7EM5DURCTO

Do you lonely, isolated? Doing what you believe you're supposed to be doing, but lacking the camaraderie that makes work meaningful? Nehemiah may have felt that way too, coming to Jerusalem to repair the walls. He wasn't an engineer. How was he supposed to do this work? With help. Nehemiah mobilized every family to focus on just a portion of the wall, and together they completed to task! Join us for this powerful message on building together.In a world marked by brokenness, setbacks, and uncertainty, the book of Nehemiah offers a powerful roadmap for restoration. This series dives into Nehemiah's journey of rebuilding the walls of Jerusalem—not just as a historical event, but as a spiritual blueprint for how God helps us rebuild our lives, families, communities, and faith. Through themes of prayer, vision, opposition, perseverance, and leadership, we will discover how God uses ordinary people to do extraordinary things when they surrender to His purpose. Whether you're facing personal ruins or seeking a renewed sense of purpose, this series will inspire you to rise up and rebuild.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: ⁠Bensound.com/free-music-for-videos⁠License code: 1EBH3J7EM5DURCTO

John talks with Bill Cates — Hall of Fame professional speaker & TEDx presenter, financial services & referral marketing expert, wealth mindset coach, entrepreneur, author of The Hidden Heist: Stop Robbing Yourself of Lasting Wealth and seven other books, host of the Top Advisor Podcast, and a proud dad. Bill has spent more than 30 years in financial services, helping thousands of advisors bring in billions of dollars through better referrals, relationship marketing, and messaging. Listen to this episode to learn more: [00:00] - Intro [00:49] - The million-dollar TEDx prop [03:38] - Bill's backstory [06:20] - How relationships helped Bill land a TEDx talk [08:00] - Bill's journey from grad school to rock band drummer [10:11] - How he entered the financial services world [13:36] - Marketing, prospecting, and selling [16:29] - The key to marketing [19:45] - Difference between employees and entrepreneurs [22:19] - How to find a financial advisor you can trust [27:10] - The 3 R's of relationship marketing [29:42] -  The 3 C's & 3 R's for an entrepreneur [33:34] - How Cates Academy started [36:46] - The OG referral coach  [38:10] - The Hidden Heist book [43:09] - How Bill's business affected his relationship with his daughter [47:19] - #1 daily habit [48:27] - Traits of a great leader [50:24] - How Bill invests in his growth [52:00] - Best way to connect with Bill [56:39] - Book recommendations [57:20] - Wrap-up NOTABLE QUOTES: "When you're building a business, it's always best to be in a position to solve a blatant, critical problem, meaning the prospects of your business know they have the problem, and it's not just aspirational. It's not, 'I'll get around to it someday.' It's critical." "Marketing is getting your message out. It's a promotion. It's getting your message out in front of people with the intention of attracting them to you." "If it's not relevant, your message will be ignored." "If you're all prospecting, it's tiring. It's a grind. But as you market your product, service, or brand better, you start to attract people to you, and you catch them later on in the process." "Most people don't have the patience to pay themselves first, make their savings automatic, and let it build over time. That takes a unique, disciplined mindset, but it's extremely powerful when you do." "When you learn how money really works, it sometimes sheds light on what you were or weren't taught when you were younger." "Sometimes we don't have the vision yet. Sometimes we're not clear on it, and creating that vision can be a process." "Everyone in an organization, whether you're in sales, marketing, customer service, a clerk, or whatever, should know who the customer is. We should all know our value, and we should all know how to talk about it." "You get clarity through imperfect action. You start heading in a direction you think is right, make some mistakes along the way, and make adjustments. That's when clarity starts to come." "Just about everybody trying to produce any kind of result, it boils down to confidence. Because if you don't have that, you won't get to the next stage." "You don't want just word of mouth. You want to get connected with people. So use the word that represents that." "The hidden heists are the limiting beliefs and mistaken assumptions we all have around money. There's a lot of money story going on for us." "If you're stuck somewhere, the first place to go isn't necessarily strategy or tactics. It might be to self-reflect, on your business, your product, and your belief in yourself." BOOKS MENTIONED: Think and Grow Rich by Napoleon Hill (https://a.co/d/0aINW0V2) The Magic of Thinking Big by David J. Schwartz (https://a.co/d/06aeI1I8) Atomic Habits: Tiny Changes, Remarkable Results by James Clear (https://a.co/d/0cPmYjfO) The Go-Giver by Bob Burg and John David Mann (https://a.co/d/08FTL8jK) The Latte Factor: Why You Don't Have to Be Rich to Live Rich by David Bach and John David Mann (https://a.co/d/0fjibjj8) Who Moved My Cheese? by Spencer Johnson and Ken Blanchard (https://a.co/d/0deaqMQ8) The New One Minute Manager by Ken Blanchard and Spencer Johnson (https://a.co/d/03FL34dR) The Alchemist by Paulo Coelho (https://a.co/d/0gLeenbt) The Greatest Salesman In the World by Og Mandino (https://a.co/d/0ec9TlQ9) Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich by Jason Zweig (https://a.co/d/0eR6ftUu) USEFUL RESOURCES: https://referralcoach.com/ https://www.thecatessystem.com/link-in-bio https://www.linkedin.com/in/billcates/ https://www.instagram.com/thereferralcoach/ https://www.facebook.com/billcates1 https://x.com/Bill_Cates https://www.youtube.com/@BillCatesReferralCoach Top Advisor Podcast - https://tinyurl.com/TopAdvisorPodcast TEDx Talk "How to Stop Your Money Anxiety & Start Building Wealth Today" - https://youtu.be/PycIrnPEUPo?si=D7G-06vXxXtk4hot The Hidden Heist: Stop Robbing Yourself of Lasting Wealth (https://a.co/d/03soYwRf) The Language of Referrals: The Words & Scripts Financial Professionals Use to Gain More Ideal Clients (https://a.co/d/067bNxYZ) Radical Relevance: Sharpen Your Marketing Message - Cut Through the Noice - Win More Ideal Clients (https://a.co/d/00IEcIMY) Beyond Referrals: How to Use the Perpetual Revenue System to Convert Referrals into High-Value Clients (https://a.co/d/0fOqolyF) Don't Keep Me A Secret: Proven Tactics to Get Referrals and Introductions (https://a.co/d/0824AHDa) Get More Referrals Now! (https://a.co/d/0dbxqU7j) CONNECT WITH JOHN Website - https://iamjohnhulen.com LinkedIn - https://www.linkedin.com/in/johnhulen Instagram - https://www.instagram.com/johnhulen Facebook - https://www.facebook.com/johnhulen X - https://x.com/johnhulen YouTube - https://www.youtube.com/channel/UCLX_NchE8lisC4NL2GciIWA    EPISODE CREDITS Intro and Outro music provided by Jeff Scheetz - https://jeffscheetz.com/ 

Meet Your All·in·One Creator Store (Stan)https://join.stan.store/the505podcastUnlock your first product and start getting paid as a creator (FREE download)https://the505podcast.courses/paidofferplaybookWhat's up Rock Nation! Today we're joined by Omar Eltakrori, personal brand strategist, content coach, and the mind behind a coaching program helping hundreds of entrepreneurs become the go to expert in their niche. In this episode, we break down why visibility beats ability and being known will always outperform being the best, the mindset shift around money and investing in yourself that led to Omar's first seven figure year, how the greatest personal brands sell behind the curtain not on social, the power of manufactured urgency and scarcity to drive sales, and how to unlock infinite content and show up online with intention so your personal brand opens doors you didn't even know existed.Check out Omar here:https://www.youtube.com/ ⁨@OmarEltakrori⁩  https://www.instagram.com/omareltakrori/Timestamps00:00 - Intro00:01:03 - Visibility Beats Ability00:02:55 - Get Good at What You Do, Then Get Known00:04:13 - The Fortune Is in the Follow-Up00:05:34 - Becoming the Person People Want to Work With00:06:42 - Student's Identity, Leader's Responsibility, Master Deliverability00:09:54 - How Go-To Experts Turn Ideas Into Frameworks00:11:02 - Stan00:12:06 - You Already Have Frameworks00:13:08 - Why Great Communicators Give Everything a Name00:13:57 - Why Drawing and Visuals Make You More Memorable00:15:49 - Can You Teach Obsession?00:19:12 - Does God Want You to Be Rich?00:25:59 - Losing $100K in a Ponzi Scheme00:31:05 - Omar's First Seven-Figure Year00:35:45 - The Business Blueprint Framework00:35:55 - How to Unlock Infinite Content00:37:43 - Why the Best Brands Sell Behind the Curtain00:38:41 - Content Cash Convert00:39:07 - Why Unedited Content Can Win00:40:53 - Picture, Parable, Principle00:43:33 - Finding Your Core Offer00:44:37 - How to Make an Offer More Irresistible00:49:10 - What People Are Actually Paying For00:52:01 - Identity, Community, and Why People Buy00:55:41 - Do It for the Data00:57:37 - Founder Pricing and Why Paying More Changes Behavior00:59:24 - When You Pay, You Pay Attention01:03:54 - The $722K Week01:05:19 - The Free Masterclass to Paid Challenge Funnel01:07:36 - The Best Personal Brands Sell Behind the Curtain01:10:19 - Theory vs. Principle01:12:15 - The Four Parts of Business01:13:30 - Why Renewals Matter More Than You Think01:14:31 - Selling a Cohort Like a Community01:15:23 - Urgency and Scarcity Increase Sales01:19:40 - Why Personal Branding Helps Local Businesses Too01:22:48 - How to Build Trust Before Someone Needs You01:27:59 - Why People Choose You Over Someone Else01:28:25 - Family, Food, Fashion, Fitness, and Faith01:30:09 - Communicating Two Things at Once01:35:58 - Classified Content and Turning Everyday Life Into Content01:37:19 - What Omar Wants to Build Next01:40:32 - If You're Willing to Be Underpaid Long Enough01:41:39 - The After PartyIf you liked this episode please send it to a friend and take a screenshot for your story! And as always, we'd love to hear from you guys on what you'd like to hear us talk about or potential guests we should have on. DM US ON IG: (Our DM's are always open!) Bfiggy: https://www.instagram.com/bfiggy/ Kostas: https://www.instagram.com/kostasg95/

After Nehemiah received the heartrending news that Jerusalem's walls were still broken down and the glory of the city still in shambles, what did he do? When you encounter ruins in your own life, what do you do? If you said, pray and seek God, you would be like Nehemiah. But for many of us that is not our first move. But what might happen if it was? Join us for a glimpse at that answer!In a world marked by brokenness, setbacks, and uncertainty, the book of Nehemiah offers a powerful roadmap for restoration. This series dives into Nehemiah's journey of rebuilding the walls of Jerusalem—not just as a historical event, but as a spiritual blueprint for how God helps us rebuild our lives, families, communities, and faith. Through themes of prayer, vision, opposition, perseverance, and leadership, we will discover how God uses ordinary people to do extraordinary things when they surrender to His purpose. Whether you're facing personal ruins or seeking a renewed sense of purpose, this series will inspire you to rise up and rebuild.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: ⁠Bensound.com/free-music-for-videos⁠License code: 1EBH3J7EM5DURCTO

In a world marked by brokenness, setbacks, and uncertainty, the book of Nehemiah offers a powerful roadmap for restoration. This series dives into Nehemiah's journey of rebuilding the walls of Jerusalem—not just as a historical event, but as a spiritual blueprint for how God helps us rebuild our lives, families, communities, and faith. Through themes of prayer, vision, opposition, perseverance, and leadership, we will discover how God uses ordinary people to do extraordinary things when they surrender to His purpose. Whether you're facing personal ruins or seeking a renewed sense of purpose, this series will inspire you to rise up and rebuild.In this message, Pastor Taylor walks us through the set up for Nehemiah while also encouraging us to consider some of our own ruins and struggles. When we understand the moment in history Nehemiah is facing, it is easier for us to find the parallels in our own lives. And of the most important moments in this first chapter of Nehemiah comes when Nehemiah hears the bad news and recognizes the truth of the situation. Have you recognized the truth about your ruins?Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Join us for a special message on the value and importance of giving to the Kingdom of God. This is more than a "money sermon" but is rather an opportunity to put some things into perspective, a heavenly and eternal one, and be intentional with how we use the money entrusted to us rather than being owned and controlled by our possessions and the desire for just a little more. Dr. Stan Tharp is the former lead pastor at Christian Life Center in Vandalia, OH, and is now a speaker, business mind, and author. Whether it be to inspire, motivate, teach, or inform, Stan specializes in public speaking to groups of dozens to thousands. He helps people gain that “aha moment” to maximize their full potential in their personal or professional lives, and for us in this message, for Kingdom impact and punching holes in the darkness!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

In this message, Pastor Mark takes us into 2 Timothy 4:6-8 and some of the last words of the Apostle Paul to his young protege, Timothy. As we consider what kind of legacy a kingdom warrior ought to leave behind, it is tempting to think in terms of our culture and the human impulse to acquire, to be the best, to be honored and esteemed by others, to win! But that's not how Paul frames it. For him, and for us, it is about being faithful all the way to the finish line. Tune in to this week's message to hear a heartfelt message about leaving a legacy of faith for others.This series explores what it truly means to be a warrior in God's kingdom—not through physical strength or aggression, but through spiritual courage, conviction, and purpose. We will look at how God equips ordinary people with extraordinary strength to stand firm in the face of fear, temptation, and adversity. Whether you're in a season of battle or preparing for one ahead, this series will help you embrace your identity as a warrior, armored with God's truth and driven by His mission.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

This series explores what it truly means to be a warrior in God's kingdom—not through physical strength or aggression, but through spiritual courage, conviction, and purpose. We will look at how God equips ordinary people with extraordinary strength to stand firm in the face of fear, temptation, and adversity. Whether you're in a season of battle or preparing for one ahead, this series will help you embrace your identity as a warrior, armored with God's truth and driven by His mission.In this message, Jayden peels back the layers on the wounds a warriors sufferers. Warfare will result in wounds, but what the warrior does when wounded makes all the difference. Will he give up? Will she pretend it doesn't exist? Or will they surrender to the care of their Commander and allow God to work? Sometimes, God's work doesn't heal the wound, but if that's the case, He is still doing a critical work. Check out this message and 1 Corinthians 12:7-10 to see what we mean.Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Here's what you'll walk away with: a clear understanding of how owning a rental property—structured properly—becomes one of the most powerful wealth-building tools available. I cut through the confusion, myths, and “magic” sometimes associated with real estate and reveal where most people get things disastrously wrong. Real estate is math, not magic.We'll walk through a simple, real-world example: a $500,000 rental property with 20% down. I show you how each wealth engine works together—cash flow, appreciation, loan paydown, and tax shields—and, more importantly, why leverage is your greatest ally and your biggest risk. The same math that helps you build wealth can sink you if you're not careful.I also draw some hard lines: why cash flow alone doesn't build true wealth; why a fragile deal can destroy your finances; and why mitigating risk is critical. Don't let one property destroy your financial future—let it accelerate the wealth you're already building.IN TODAY'S EPISODE, I DISCUSS:The “four engines” of real estate wealth and how they work together: cash flow, appreciation, loan paydown, and tax shieldsWhy leverage explodes your returns—and how it can also magnify your riskThe real math behind a $500,000 rental property exampleWhy true wealth is built on your balance sheet (not your checking account)The importance of liquidity, diversification, and solid financial foundations before buying rentalsHow to set yourself up so real estate accelerates, not destroys, your money machineRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/9 Subtle Behaviors That Quietly Signal You're Upper ClassThe Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:9 Subtle Behaviors That Quietly Signal You're Upper Class: https://youtu.be/dbdUDwElYY0The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Today, I'm breaking down how to invest in alternative asset classes like gold and silver—and more importantly, how to think about them the right way, so they actually support your wealth instead of quietly sabotaging it.I get it: there's a lot of hype (and confusion) around alternative assets, and it's easy to feel like you're missing out or behind. Whether you've wondered if now's the time to buy gold, if silver is a “cheaper” alternative, or if jumping into private deals is the next smart move, this episode is for you.Together, we'll walk through the two engines of investing, the true role of “store of value” assets, and explore the pros and cons of private equity, hedge funds, syndications, and crypto. I don't believe in trashing alternative investments, but I do believe in getting clear on the purpose each asset serves—and stopping the confusion that leads to avoidable losses. IN TODAY'S EPISODE, I DISCUSS:The difference between assets that preserve value (like gold) and those that create value (like businesses)How gold and silver function as shock absorbers, not engines of wealthThe realities of liquidity, volatility, and risk in private equity, hedge funds, syndications, and private placementsWhy crypto belongs in the supply-and-demand category—and why that mattersThe importance of focusing on value-creation and cash-flow-producing assets firstPractical rules for using alternatives for diversification (not salvation)RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/9 Subtle Behaviors That Quietly Signal You're Upper ClassThe Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:9 Subtle Behaviors That Quietly Signal You're Upper Class: https://youtu.be/dbdUDwElYY0The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Join us as we celebrate Jesus and hear from former OSU player C.J. Saunders in a live interview! From walk on cornerback for OSU to voted a team captain to an injury that delayed him from the pros to signing on for with the Panthers, CJ's story never happened how he scripted it for himself, but because of God's divine intervention at important junctures, CJ got to play the game he loves with purpose and dedication, not only to his dreams but also to his team and ultimately to Jesus! Check it out!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Today, I'm sharing the Japanese philosophy that fundamentally changed my approach to wealth—and ultimately, made me rich. If you've ever felt that your financial life is fragile, like a single surprise could wipe it all out, you're not alone. In this episode, I take you back to my days living and training in Japan under a 17th-generation samurai lineage. What I learned there—through martial arts and a razor-sharp test of survival—revealed a powerful framework for building real-world financial resilience. It's called Shu Ha Ri, and this philosophy isn't just about responding to danger, but about being so prepared that chaos can't break you.I break down how this concept goes far beyond theory. It's a step-by-step roadmap to building your “money machine” that removes fragility from your finances for good...no matter what life throws at you.IN TODAY'S EPISODE, I DISCUSS:What Shu Ha Ri really means, and why it's crucial for protecting and building wealthThe difference between working hard and creating value—and why value is the real driver of wealthThe importance of building earning and wealth systems that function independently of your effortWhy you need two plans: a life plan (what matters most to you) and a money plan (how to fund your dream life)The critical, actionable steps in my “Freedom Funding Flow”—including the comfort fund, debt elimination, peace of mind fund, and the freedom/investing fundRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/9 Subtle Behaviors That Quietly Signal You're Upper ClassThe Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:9 Subtle Behaviors That Quietly Signal You're Upper Class: https://youtu.be/dbdUDwElYY0The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another thought-provoking episode of the Building Your Money Machine Show! Today, I'm shining a spotlight on a reality most people don't want to talk about: the fact that earning more money doesn't automatically make you feel rich or free. In fact, more than half of households making over $100,000 a year are still living paycheck to paycheck. If you've ever wondered why hitting a higher income doesn't bring lasting peace or satisfaction—and sometimes even leads to more anxiety—this episode is for you.I share why the feeling of being rich is rarely about the numbers in your bank account, but much more about psychology, behavior, and clarity. Drawing from my decades as a CPA, entrepreneur, and money mentor, I walk you through the science of happiness and the “hedonic treadmill,” how our brains adapt to new income levels, and why most financial struggles are rooted in emotions—not math.We'll get real about lifestyle creep, emotional spending, and the sneaky ways comparison culture fuels our financial stress. I lay out actionable steps to help you break out of the “never enough” cycle, define your own finish line, and create a results-driven plan that aligns with your values.Today's episode isn't just about theory—it's about empowerment. My hope is that you'll walk away ready to live a life by choice, not by default.IN TODAY'S EPISODE, I DISCUSS:Why more income alone won't make you feel rich—and the surprising data behind itThe “hedonic treadmill” and how your brain turns financial breakthroughs into baselinesLifestyle creep: how subtle upgrades can silently steal your raisesThe power of emotional spending—stress, reward, comparison, and moreHow social comparison and the hunt for external validation undermine your financial well-beingActionable steps to track the real triggers behind your spendingWhy “future you” won't magically fix your money habits, and the myth of “I'll save more when I earn more”The importance of defining what “enough” means to you—in dollars and in lifeHow to pivot from a demand-driven to a choice-driven life with a real financial planWhy money is a tool—not the source—of fulfillment and peaceRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/9 Subtle Behaviors That Quietly Signal You're Upper ClassThe Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:9 Subtle Behaviors That Quietly Signal You're Upper Class: https://youtu.be/dbdUDwElYY0The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic appr

"Holy." What's that word conjure up for you? Maybe it sounds like someone trying to prove they are better than you, or maybe it's just a deeply confusing Church word. Jayden helps us peel back these layers to get at the heart of holiness, and in the process, at the heart of God. Check it out.You know that thing, the thing you know you should do, but you just keep putting off for one reason or another. It's a good thing – maybe even a really important thing – but maybe it will be uncomfortable or mean giving something else up or cost you something you value. So we procrastinate, make excuses, hope that it fixes itself without our having to do anything. But what if you stopped saying no, and finally said yes? What if you made this year, the year of yes!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Welcome to another thought-provoking episode of the Building Your Money Machine Show. In this episode, I'm tackling one of the biggest misconceptions in personal finance: that net worth is the best predictor of wealth and financial freedom. Spoiler alert—it isn't. I'm breaking down why net worth alone is an incomplete metric, why so many people with high net worth still feel financially stressed, and, most importantly, the real number you need to focus on to create the life and freedom you truly desire.Through my decades as a CPA, entrepreneur, and money mentor, I've watched people chase ever-higher net worths, only to stay stuck on the financial hamster wheel. I've seen individuals who look wealthy on paper but feel just one bad month away from panic, while others with far less accumulated “net worth” live calm, and confident lives. The difference? It's all in what your money can actually do for you.I'll introduce you to key ratios and calculations that show exactly how close your assets are to buying your freedom—starting with your “cash flow coverage ratio.” IN TODAY'S EPISODE, I DISCUSS:Why US household net worth is at an all-time high, but financial stress is everywhereThe dangerous illusion of traditional net worthThe assets you must exclude when planning for lifestyle supportWhy the “cash flow coverage ratio” is the true metric for financial freedomHow to assess which of your assets are “teammates” supporting your lifeMy three-bucket system for structuring your moneyStep-by-step action planRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/9 Subtle Behaviors That Quietly Signal You're Upper ClassThe Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:9 Subtle Behaviors That Quietly Signal You're Upper Class: https://youtu.be/dbdUDwElYY0The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on a topic that goes far beyond just dollars in the bank. We're talking about 9 subtle behaviors that quietly signal you're upper class — and I promise, this isn't about how much money you have or what you drive. It's about how you show up in life, how you move with calm, confidence, and control, even when the world feels rushed, chaotic, or loud.After 30+ years as a CPA and money mentor, I've seen firsthand that wealth isn't always what you see on the surface. True “upper class” is about having systems that take the pressure off, behaviors that exude quiet authority, and habits that build not just wealth, but a sense of richness in your everyday life.I'll share the actionable steps you can take to claim these subtle habits for yourself—no matter your net worth or income—so you can start living more freely, intentionally, and on your own terms.IN TODAY'S EPISODE, I DISCUSS:Why being “upper class” is more about mindset and behaviorHow building a “money machine” delivers freedom and calmTwo essential internal habitsWhy protecting your time and energy is true wealthThe principle of “boring money” and how disciplined, repetitive financial decisions compound into extraordinary livesThe value of privacy, listening over performing, and treating everyone the same—signals of real confidence and inner securityAction steps to implement these nine behaviors in your own life right now, regardless of financial situationRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Psychology of People Who Have $1M Net WorthThe Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Psychology of People Who Have $1M Net Worth: https://youtu.be/-65r-OsaHMEThe Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wHow Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another power-packed episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on what truly separates those who actually cross the million-dollar net worth line from those who just spin their wheels — and believe me, it's not about being smarter, more motivated, or waking up at 4:17am to meditate. It's all about mastering the psychology around money.As someone who's spent over 30 years as a CPA and money mentor, I've seen the same patterns play out again and again. Most people will earn enough throughout their lives to reach that magical million-dollar net worth, but very few do. Why? It's not the income — it's the behaviors and the psychological traps that hold us back. In this episode, I break down the six key psychological patterns of first-generation millionaires and reveal the actionable steps you can start taking right now to plug those money leaks and build real financial freedom.I walk you through strategies like delaying gratification, creating an internal locus of control, stress-testing big decisions, and automating your way to wealth. If you're ready to turn your income into real freedom, this one's for you.IN TODAY'S EPISODE, I DISCUSS:Why income alone will never set you free How to stop letting feelings drive your money decisionsThe power of delayed gratificationThe surprising truth about time affluenceThe difference between automation and motivation in making your path to a million dollars “aggressively boring”The crucial role of emotional regulationRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wHow Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another eye-opening episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on the silent rules of the financial system—the unwritten games that keep so many smart, hardworking people stuck on the treadmill of never-ending financial stress. If you've ever felt like you're doing all the “right” things but still aren't getting ahead, this episode is for you.I get candid about how the financial system isn't designed to make you wealthy—it's built to keep you busy and keep you spending. I share from my 30+ years as a CPA, entrepreneur, and money mentor what the silent rules are, how they operate, and most importantly, how you can break free from their grip.From the normalization of financial silence, to the invisible fees the system hides, to the trap of transaction speed versus wealth creation, I'm laying it all out. You'll hear about the difference between productive and destructive debt, and why inflation quietly eats away your wealth.Plus, I'll give you micro actions you can take right now to start reclaiming command over your financial future and build a system that serves you—not the status quo.IN TODAY'S EPISODE, I DISCUSS:Why financial silence is normalizedHow invisible fees quietly erode your wealthThe dangers of default settings in financial accountsThe stark difference between how income and wealth are taxedThe real truth about debtHow inflation acts as a stealth tax on your cashWhy you're taught to optimize products instead of build systemsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things ImmediatelyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wHow Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Rev Robbie Ytterberg preaches his sermon "Planning to Be Rich" as part of our sermon series Touch Grass. January 17 & 18, 2026

Many times in our faith journey, we encounter moments where our progress slows. Maybe it is because an opportunity hasn't arisen or a key person has left. So we pray for God to make a way. But what happens when God asks you to wait? How good are you at waiting? Like in a chess match between skilled competitors, the wait between turns is crucial to the match. You can't play until your opponent has made his move. While God isn't our opponent, we nonetheless have to wait for Him to make His move because we will spoil things if we try to make moves without Him. Listen in for more.You know that thing, the thing you know you should do, but you just keep putting off for one reason or another. It's a good thing – maybe even a really important thing – but maybe it will be uncomfortable or mean giving something else up or cost you something you value. So we procrastinate, make excuses, hope that it fixes itself without our having to do anything. But what if you stopped saying no, and finally said yes? What if you made this year, the year of yes!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Welcome to another actionable episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on a topic that quietly separates the wealthy from everyone else: the assets you choose not to buy. We've all been taught that wealth is about earning more and investing harder, but after three decades as a CPA and money mentor—and having walked this road personally—I can tell you, true wealth has just as much to do with avoiding costly mistakes as it does with seizing the right opportunities.In this episode, I break down seven assets that the rich almost never touch—but unfortunately, the poor and middle class often do. You'll hear why these things look so attractive, how they're cleverly marketed, and why saying “no” to these sneaky traps can be the difference between financial struggle and financial freedom. I'll show you how every asset you buy either gives you more options or quietly takes them away—and how you can avoid self-inflicted money wounds that sabotage your future.I'll introduce you to my Lifestyle Cost Calculator so you can truly master your lifestyle expenses.IN TODAY'S EPISODE, I DISCUSS:The 7 assets wealthy people almost never buyWhy buying luxuries with debt is simply borrowing from your futureThe truth about timeshares, high-fee annuitiesWhen to buy rental property so you can survive the bumps that others don't see comingThe dangers of starting ego businesses with money you can't afford to loseHow illiquid investments destroy your ability to pivot when life happensRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/How Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:How Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5MORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

If you have spent any amount of quality time around the Church, you have probably heard us talk about the importance of reading your Bible. But maybe you are like the majority and struggle to actually make that happen. And yet, just giving 10 solid minutes, inviting the Holy Spirit to speak to you, reading for transformation not just information, can be a game changer for your life. Still on the fence? Check out this encouraging message from Pastor Mark!You know that thing, the thing you know you should do, but you just keep putting off for one reason or another. It's a good thing – maybe even a really important thing – but maybe it will be uncomfortable or mean giving something else up or cost you something you value. So we procrastinate, make excuses, hope that it fixes itself without our having to do anything. But what if you stopped saying no, and finally said yes? What if you made this year, the year of yes!Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Growing up in a frugal immigrant household, Ramit Sethi developed a scarcity-driven mindset and deep anxiety around money. After losing an investment in the stock market and studying both finance and psychology, he realized that most traditional financial advice ignores human behavior. Determined to break free from scarcity thinking, he rebuilt his relationship with money and began using it as a tool to design his own “rich life.” In this episode, Ramit shares how to rewire your money mindset, build wealth, and live a rich life. In this episode, Hala and Ramit will discuss: (00:00) Introduction (02:19) His Background and Early Money Lessons (09:39) Starting a Finance Blog in College (15:25) What a “Rich Life” Really Means (19:55) Money Psychology and Invisible Scripts (24:33) Money Communication in Relationships (29:27) The Conscious Spending Plan Framework (42:08) Money Dials: Spending on What You Love (48:29) Building Wealth and Finding Your Dream Job (56:04) Saving Smarter and Earning More Ramit Sethi is a New York Times bestselling author of I Will Teach You to Be Rich and the host of Netflix's How to Get Rich. He has spent over 20 years teaching millions how to master personal finance, investing, and conscious spending. Ramit also hosts a finance podcast, Money for Couples, where he breaks down real-life money decisions through psychology-based frameworks. His work focuses on helping people design rich lives on their own terms. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Ramit's Book, I Will Teach You to Be Rich: bit.ly/IWTYTBR  Ramit's Podcast, Money for Couples: bit.ly/MFC-apple  Ramit's Show, How to Get Rich: iwt.com/netflix  Ramit's Website: iwillteachyoutoberich.com  Ramit's Instagram: instagram.com/ramit Ramit's LinkedIn: linkedin.com/in/ramitsethi Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Scalability, Risk Management, Financial Planning, Business Coaching

Dan Fleyshman sits down with Rashad Bilal, co-founder of Earn Your Leisure, to break down the three pillars of Money Mondays—how to make money, invest money, and give it away—through the lens of building one of the most impactful finance media brands in culture. Rashad shares the mindset behind You Deserve to Be Rich—why believing you're worthy of wealth is often the first (and missing) step to actually building it. He and Dan get practical on when to start investing (as soon as you have discretionary income), how to think about emergency funds, and why money sitting idle gets quietly eaten by inflation. They also go behind the scenes on Invest Fest's growth—from a business “festival” concept to a 25,000-person experience—and why relationships are still the ultimate ROI. Finally, Rashad talks lifestyle creep, modern content mega-deals, and why giving back is a core part of building real wealth.Like this episode? Watch more like it

You know that thing, the thing you know you should do, but you just keep putting off for one reason or another. It's a good thing – maybe even a really important thing – but maybe it will be uncomfortable or mean giving something else up or cost you something you value. So we procrastinate, make excuses, hope that it fixes itself without our having to do anything. But what if you stopped saying no, and finally said yes? What if you made this year, the year of yes!Sometimes our "yes" is to stop ignoring or neglecting the damage done to one of our relationships. Maybe we were the source of the fracture, or maybe someone else was, but in either case, God is inviting us to do our part to heal that relationship because reconciliation matters to God. It matters so much that God sent His Son to bring about reconciliation long before we were ever sorry about how we'd hurt Him. Join us as we dig into this hard "Yes."Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

If your busy season doesn't seem to have an end in sight, it's not a season, it's your life. But Jesus offers you an alternative. Join Jayden as he guides us into the Scriptures and into the promises of Jesus to all those who are weary and burdened. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Has this year been a year of bad news? You know, despite the pretty cards and serene faces, Mary and Joseph faced a year of crazy. It might seem like the best news ever to hear you will be the parents of the Messiah, but Mary still had to go through 9 months of culturally shameful pregnancy because Joseph wasn't the father, followed by an 80 mile walk to Bethlehem at 9 months, and then no place to stay when her water broke. Talk about a string of bad news and desperate times! And yet, God was orchestrating it all for something truly incredible! Check out this special Christmas Eve service if you are in need of some hope in this season.Each December, familiar carols fill our homes, our cars, our churches and our playlists. We sing them once a year–but their truths were never meant to be seasonal. In “A Christmas Playlist” we'll explore four beloved Christmas songs and discover how their powerful messages of hope, peace, presence, and joy–still speak to us today. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.

"O Holy Night" is one of the most beautiful Christmas carols, but have you stopped to really take in the words? "A thrill of hope" and "a weary world" -- these lines in the first verse remind us that while Christ's birth offers a thrill of hope, many of us still live in the weary world of hard and heartbreak. Listen in for a word of hope today.Each December, familiar carols fill our homes, our cars, our churches and our playlists. We sing them once a year–but their truths were never meant to be seasonal.  In “A Christmas Playlist” we'll explore four beloved Christmas songs and discover how their powerful messages of hope, peace, presence, and joy–still speak to us today. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

This Week In Startups is made possible by:Luma AI - https://lumalabs.ai/twistNorthwest Registered Agent - https://www.northwestregisteredagent.com/twist Lemon IO - https://lemon.io/twistToday's show: DID YOU KNOW… most of the tried and true techniques devised by marketing gurus in the ‘40s and ‘50s still apply today?On TWiST, we're joined by online marketing expert Sam Parr, host of “My First Million” and founder of Hampton. He's sharing all of his top tips and tricks for making your writing more compelling, and converting your readers into new customers.In this essential pod for any and all founders, hear Jason and Sam run down their list of the best-ever marketing books, why there's no such this as “too long” only “too uninteresting,” when to use AI and when to rely on your own brain, why you're the average of your five best friends, and lots more deep insights.Timestamps:(00:00) Sam Parr of The Hustle, Hampton, and My First Million is here to teach us how to become better copywriters(03:59) How Sam got interested in the (then-shady) world of internet marketing(06:26) Why Sam recommended THESE advertising books to Jason(08:15) All the principles that ad execs developed in the ‘50s still work!(09:43) Glengarry had it right; the magic of A.I.D.A.(11:19) Luma AI - Stop guessing and start directing with Ray3 Modify from Luma AI, the AI-powered post production tool. Explore it at: https://lumalabs.ai/twist(14:30) There's no such thing as “too long,” just “too uninteresting”(16:15) The goal is to write at a 4th grade reading level(18:12) Why Sam only uses AI for “The Big Idea,” not the actual writing(19:37) Why you're the average of your five best friends(21:14) Northwest Registered Agent - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!(22:15) Using AI to dig in and research, to make your writing more interesting(23:42) CopyWork: The technique that helped Sam fine tune his writing(28:41) Avoiding “The Feature Death March”(30:56) Lemon.io - Get 15% off your first 4 weeks of developer time at https://lemon.io/twist(32:00) Words are better than images, but videos are better than anything(34:43) Why stories make such a huge impact(37:36) Sam and Jason are both obsessed with the book “How to Be Rich”(43:02) First World Problems are still problems!!(44:31) Why Sam launched Hampton and what it takes to get in(47:10) Why scaling a community is so much harder than launching(51:04) The lessons founders can take from Ted Turner(58:36) What Jason likes best about My First Million(1:00:28) It's never too early to get your first $10 million(1:04:07) How accurately did Producer Claude guess what Sam was going to teach us?*Subscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.com/Check out the TWIST500: https://twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcp*Follow Lon:X: https://x.com/lons*Follow Alex:X: https://x.com/alexLinkedIn: [https://www.linkedin.com/in/alexwilhelm/*Follow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanis/*Thank you to our partners:(11:19) Luma AI - Stop guessing and start directing with Ray3 Modify from Luma AI, the AI-powered post production tool. Explore it at: https://lumalabs.ai/twist(21:14) Northwest Registered Agent - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!(30:56) Lemon.io - Get 15% off your first 4 weeks of developer time at https://lemon.io/twist

As we take a close look at the song "O Come All Ye Faithful", sometimes we wonder about the "feelings" of Christmas. The Shepherds were in awe of Jesus, the Magi brought gifts and worshipped Him, and Mary treasured up all these things and pondered them in her heart. When was the last time you were in awe? Have you ever beheld glory? Maybe this Christmas you can experience it all as though it were the first Christmas. Join us as we dive into the Christmas story.Each December, familiar carols fill our homes, our cars, our churches and our playlists. We sing them once a year–but their truths were never meant to be seasonal. In “A Christmas Playlist” we'll explore four beloved Christmas songs and discover how their powerful messages of hope, peace, presence, and joy–still speak to us today. Join us for service every Sunday at 9:15am or 11:00am (EST). Here are ways to connect with us!Text TODAY to 937-358-6565 to let us know you decided to say 'Yes!' to Jesus leading your life. Text BAPTISM to 937-358-6565 to find out more about getting baptized as an expression of your new faith.Text SERVE to 937-358-6565 to find a serve community to join that matches your skills and passions.Text PRAYER to 937-358-6565 to let us know how we can be praying for you!And if you would like to support The Valley Church financially or participate in Be Rich, you can GIVE online via our website: www.thevalley.church/give.Music: Bensound.com/free-music-for-videosLicense code: 1EBH3J7EM5DURCTO

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you relying on popular wealth-building books but still unsure how to actually follow their advice without stressing over every dollar?This episode breaks down two of the most influential personal-finance books for Canadian business owners—I Will Teach You to Be Rich and Becoming Your Own Banker—and reveals the hidden challenges most readers never address. You'll hear how seemingly “simple” strategies like automated index investing often collide with real human behavior, business-owner cash-flow fears, and the psychological barriers that keep money sitting idle. You'll also get a grounded look at infinite banking—what works, what's misunderstood, and how to avoid forcing yourself into rigid systems that don't match your goals. If you've ever wondered why “the math makes sense” but still feels impossible to follow, this conversation will connect the dots.You'll discover: • Why strong wealth strategies fail without accounting for real-life behavior and cash-flow uncertainty • How a “wealth reservoir” can make investing easier, safer, and more consistent than traditional emergency-fund thinking • A clearer way to blend equities, fixed income, and high-cash-value insurance so your plan reflects your reality—not someone else's formulaPress play now to learn how to apply the best ideas from these two books without falling into the common traps that hold business owners back.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan helps business owners turn retained earnings into long-term security by combining tax-efficient investing with clear financial vision setting and a balanced investment bucket strategy. By aligning corporate wealth planning witReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

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Andy Stanley's conversation with Bruce Deel highlights the inspiring work of City of Refuge, a Be Rich partner dedicated to moving people from crisis to independence.