Podcasts about Budget

Over 100,000 people marched downtown Saturday during Chicago's No Kings protest. Executive producer Simone Alicea and host Jacoby Cochran recap the march and discuss ongoing court proceedings regarding the deployment of federal troops in Illinois. Plus, we're looking at Chicago Magazine's tongue-in-cheek “budget beaters” and ongoing results from our spookiest thing in Chicago poll. Good News: Dia de los Muertos Xicago Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Oct. 21 episode:  The Other Art Fair Broadway in Chicago Deborah's Place Window Nation MUBI Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Pastor Leah Klingseis compares Jesus' parable of the wise and foolish builders to the security gained from a financial emergency fund, showing how consistent obedience to Jesus forms an unshakable life. When we practice His words, life's storms become less destabilizing and more manageable.

For many people, contentment feels just out of reach—always tied to the next raise, the next purchase, or the next season of life. Yet Scripture calls us to something deeper and more lasting: a contentment that doesn't depend on circumstances but rests in Christ Himself.Psalm 23 begins with a stunning declaration:“The Lord is my shepherd; I have all that I need.” — Psalm 23:1 (NLT)David's words remind us that contentment doesn't come from acquiring more but from trusting the One who provides. Just as sheep rest securely under the care of their shepherd, we can rest in God's faithful provision.True contentment isn't about suppressing desire—it's about redirecting it. When we find sufficiency in Christ rather than in money, possessions, or achievements, we're freed from the trap of covetousness and anchored in the truth that in Him, we already have all we truly need.The Ancient Lie of DiscontentmentDiscontentment has plagued humanity from the beginning. In Eden, Adam and Eve had everything they needed, yet the serpent's lie convinced them they lacked something essential. Discontentment still whispers, “God is holding out on you—you'd be better off if you had more.”Today, that same voice is amplified through advertising, social media, and cultural comparison. We scroll through highlight reels and feel our lives don't measure up. But Hebrews 13:5 offers the antidote:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”The cure for discontentment isn't having more—it's remembering that God is always with us.The Freedom of “Enough”Contentment is not resignation—it's liberation. It frees us from envy, overspending, and the crushing weight of comparison. Instead of striving endlessly for more, we learn to steward wisely what God has entrusted to us.Proverbs 30:8–9 captures this balanced perspective beautifully:“Give me neither poverty nor riches; feed me with the food that is needful for me…”The wise steward seeks enough—not excess. When we live this way, our financial decisions change. We spend with purpose. We give with joy. We save with peace. Contentment reorients money from being our master to being a tool for God's Kingdom.Think of the widow of Zarephath in 1 Kings 17. With only a handful of flour and a little oil left, she faced famine. Yet when Elijah asked her to make him a cake first, she trusted God's word—and He provided, not with overflowing barns, but with daily sufficiency.Or consider the Macedonian believers in 2 Corinthians 8. Paul wrote,“In a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity.”Despite having little, they gave with glad hearts because their contentment was in Christ, not in their circumstances.These examples remind us that contentment and generosity often go hand in hand. When we are satisfied in Christ, we're free to bless others.Trusting the God Who ProvidesAt the heart of contentment is trust. Jesus said in Matthew 6:25–26,“Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?”Contentment flows from believing that God knows what we need and delights to provide for His children. As Elisabeth Elliot once wrote, “The secret is Christ in me, not me in a different set of circumstances.”When Christ becomes our treasure, everything else finds its proper place.That's why Paul could say in 1 Timothy 6:6:“Godliness with contentment is great gain.”Contentment isn't a loss—it's true gain. It's the kind of wealth no market downturn can erase and no thief can steal. Choosing contentment doesn't mean settling for less; it means resting in the sufficiency of Christ.When we stop chasing “more” and start trusting God's daily provision, we discover freedom, peace, and joy. That's the essence of faithful stewardship—not just managing money, but aligning our hearts with the One who promises, “I will never leave you nor forsake you.”On Today's Program, Rob Answers Listener Questions:I own several rental properties and would like to leave one to each of my children. I still want to collect the rental income, but I'd like to avoid probate and ensure a smooth transition when I pass away. How can I set up a trust to do that, and what's the best way to move forward?I got divorced in my mid-50s and had to start over from scratch. I'm now 66 with a little over $37,000 in my 401(k), which I'm eligible to roll over into an IRA. I'd really like to invest that money through a biblically based firm, but most of the ones I've contacted require a minimum investment of $50,000. Do you have any suggestions? And how can I build my savings over the next four years? $37,000 won't last long.I'm retired, and my husband will be retiring soon. We don't have a lot saved, but he does have a 401(k) through work. We're unsure what to do with it or how to ensure we'll have enough to live on in retirement. Can you help us think through the next steps?I work with students, and I've offered to invest $4,000, allowing them to choose some stocks to learn how investing works. Since I'll keep the money but let them make the decisions, what's the best way to buy individual stocks for this kind of project?My daughter's credit score is around 625, and she's committed to improving it. My score is over 800, and I've heard that adding her as an authorized user on my credit card could help her. Can you explain how that works and whether it could affect either of our credit scores?I feel completely lost when it comes to finances, but I want to set my family up for success. Can you recommend a reliable resource or starting point for learning the basics of managing money wisely?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceFidelity | Charles Schwab | Robinhood | Public | Stash | SoFi InvestYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hey Friend!    When it comes to budgeting and creating a plan around your money. It can be so easy to lean into your own knowledge and understanding first. To take the things that you know and put them into practice before going to God.    But God reminds us in Proverbs 3:5-6 to, “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him and he will make your paths straight.”    That is why in today's episode I wanted to share the power of praying bible verses over your budget along with a few verses that you can start praying over your budget today. This will help you know what to say when you don't know what to pray about and will help you release control and start sticking to your budget by allowing God to give you his knowledge and direct your path instead of you.   So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let's get you out of the overwhelm and into confidence.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

Author Morgan Housel's new book, The Art of Spending Money, argues that the way we spend money matters just as much as how we earn or invest it. And for many of us, the biggest culprit that's killing our budget doesn't even show up in a spreadsheet. Book link: https://www.amazon.com/Art-Spending-Money-Simple-Choices/dp/0593716620

Snag Our Simplified Budget System!You make way too much money to be in this much debt — and we say that with love. ❤️If you're swiping your credit card for groceries, juggling balances between cards, and convincing yourself it's worth it “for the points,” this episode is for you. We're breaking down the truth about debt — how it keeps you stuck in the past — and showing you what it really means to fund your future instead.Today, we're talking about why your credit card is not your budget, what it looks like to be your own bank, and the small but powerful steps that help you stop relying on debt once and for all.

Tara dives into the government shutdown drama, exposing how Democrats are blocking their own budget—written by Chuck Schumer—to fight for expanded benefits for legal immigrants, while Republicans scramble to support the very budget they oppose in principle. She breaks down the absurdity of career politicians prioritizing polls over governance, and how ABC and other media are slowly admitting the truth. On the international stage, Tara examines Trump's role in Ukraine-Russia negotiations, highlighting the limits of presidential influence when NATO acts independently. She explains why removing tomahawk missiles was a smart move and why peace talks are complicated by NATO's ongoing operations against Russia, despite Trump's efforts.

Most men don't grieve. We "handle it" with substances, work, or just shoving it down until we're emotionally dead inside. John Kammer tried that approach for years after losing three of his closest friends. For some reason it didn't work. So he built Guardian [AI]ngels (guardianaingels.ai), an AI tool that lets you have conversations with digital representations of people you've lost. Not Ouija board nonsense. Actual therapeutic conversations that help you process grief, find resolution, and maybe (finally) cry. In this episode, we cover: → Why traditional grief therapy failed for John (and might be failing you) → How Guardian [AI]ngels works and what safeguards exist → The difference between processing grief and replacing reality → Using AI to practice difficult conversations before having them IRL → Whether you should build an AI version of your worst self (yes, seriously) This isn't your typical tech conversation. It's raw, it's uncomfortable, and it might just give you permission to finally feel something. ---- GUEST WEBSITE: www.guardianaingels.ai  ---- MORE FROM BROBOTS: Connect with us on Threads, Twitter, Instagram, Facebook, and Tiktok Subscribe to BROBOTS on Youtube Join our community in the BROBOTS Facebook group ---- LINKS TO OUR PARTNERS: Take control of how you'd like to feel with Apollo Neuro Explore the many benefits of cold therapy for your body with Nurecover Muse's Brain Sensing Headbands Improve Your Meditation Practice. Get started as a Certified Professional Life Coach! Get a Free One Year Supply of AG1 Vitamin D3+K2, 5 Travel Packs Revamp your life with Bulletproof Coffee You Need a Budget helps you quickly get out of debt, and save money faster! Start your own podcast!    

Roundup of the Week's Top Stories in Economics and FreedomChina Trade War Blows UpNo Backpay for Federal WorkersSilver is SoaringPermanent Layoffs BeginHow the 1990's Balanced the BudgetRead the full article "How the 1990's Balanced the Budget" at https://www.profstonge.com/Visit our Sponsor: Monetary MetalsEarn 5% to 12% interest on your physical gold and silver, paid in physical gold and silver.Visit our Sponsor: CoinKiteProtect your Bitcoin with an Ultra-Secure Hardware WalletDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection?Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.”Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.Why You Need to Talk About Money—IntentionallyMany couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens.On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully?That's the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable.Turning Financial Talks Into DatesThese aren't meant for finger-pointing but for course correction—a time to realign your financial goals with your values.But also, why not make it a date? Dating can be a lot of fun if you're intentional. So why not combine something enjoyable with something that's often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful.The key is consistency. Whether it's over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust.Money Date #1: Share Your Money StoryEvery person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences.Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today.Take your spouse out for dinner and share those stories. You'll gain empathy and understanding for each other's perspectives. When you know your partner's money story, their spending or saving habits make a lot more sense.Try this: Ask each other, “What's your earliest memory of money?” The answers may surprise you—and bring you closer.Money Date #2: Give TogetherGenerosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey:Set a giving goal. Track your progress as a family and celebrate milestones together.Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about.Create a stretch goal. As your income grows, commit to increasing your giving percentage over time.These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact.Money Date #3: Cook the BooksThis one's both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm:Who tracks expenses?What budgeting tools or apps will you use?How often will you review spending?The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center.Money Date #4: Check Your Credit (at the Spa!)Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It's relaxing—and you can often find affordable day passes.While you unwind, discuss:How much debt do you currently carry?How did your family handle debt growing up?What boundaries would you like to establish regarding credit use?This isn't about blame. It's about caring for each other and agreeing on a plan that both of you believe in.Money Date #5: Number Your DaysThis one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Couples should view estate planning as an act of love. When you prepare a will, name a guardian, or establish a power of attorney, you're doing something deeply selfless—caring for others even after you're gone.Spend a date identifying:Who will serve as executor or guardian for your children?How do you want your assets used to bless others?What legacy of faith and generosity do you want to leave behind?Growing Together Through Financial StewardshipMoney dates are about far more than numbers. They're about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity.When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God.———————————————————————————————————————Dr. Enete's full article, “Six Great Money Dates,” appears in the latest issue of Faithful Steward magazine—available to all FaithFi Partners.When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:I'm a single mom, 31 years old, raising my 5-year-old son without any child support. I've managed to save about $42,000 in a separate account, but now I'd like to start investing that money for his future. I want something safe and low-risk—something that will be there for him when he needs it. What would you recommend?My 27-year-old daughter has a traditional 401(k) from her previous job here in the U.S., but she's now working overseas. She's planning to roll her 401(k) into an IRA with Fidelity. Since she's still young and making this move, would this be a good time to consider one of those backdoor Roth conversions you've discussed before?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever wondered how grip strength could become the highlight of your week? We certainly didn't, until a spontaneous competition sparked a friendly rivalry, leading to unexpected results and plenty of laughs. Our candid camaraderie shines as we share stories about waking up early after a night out, navigating our podcasting schedule, and embracing the joys of recording on a Friday. Whether you're an early bird or a night owl, our banter about not wearing hats and enjoying a longer weekend will keep you entertained and eagerly waiting for the next episode. From personal health journeys to the political landscape, our conversations weave between serious insights and light-hearted banter. We dive into the challenges of managing chronic conditions like Eosinophilic Esophagitis, exploring dietary changes and peptide treatments, while pondering the political climate and the dynamics of influencer partnerships. Our reflections on stock market day trading, sports betting, and casino stories are peppered with humor and humility, as we balance light-hearted jabs with genuine explorations of financial literacy and long-term investments Join us as we navigate the world of business, from the trials of running a gym and managing home renovations to the joys of basketball and planning backyard courts. We share lessons learned from missteps in the apparel and supplement industries, and discuss the exciting yet daunting prospect of podcast set design. With topics ranging from gym expansions to unexpected encounters with law enforcement, our episodes are a blend of humor, insights, and the kind of dynamic exchanges that keep our podcast vibrant and engaging

12 - No Kings Weekend! How did the protests go? Will it be No Krasner weekend soon, as he bungled his way through prosecuting Kada Scott's alleged kidnapper/murderer and the subsequent press conference about it this morning. 1210 - Side - all-time comeback 1220 - Why does Larry Krasner tag in his ADAs to answer all his questions? Your calls. Dom discusses the Republican strategy, locally and nationally 1240 - Callers have questions about if the city really cares about its citizens after not doing a wellness check on Kada Scott beforehand. Is that warranted? 1250 - The Inquirer pulls off a shocker! Just kidding. 1 - NJ District 24 Assemblywoman Dawn Fantasia joins us. Why does the NJEA convention go all out on activism instead of better teaching? As The Inquirer endorses Mikie Sherrill for NJ governor, what does Dawn think of Mikie's affordable housing plan? Who is being seen with Jack Ciattarelli lately? What the heck is happening is Passaic County and it's election integrity issues? Is Mikie Sherrill and her team too foreign to New Jersey for their own good? 120 - Dom details his experience at a mini golf course this weekend. Your calls. 135 - Is Judge Dugan being asked for his opinion on the Kada Scott case? He gives his answer regarding that issue as he joins Dom Time. Why does Patrick think this case should be under a national spotlight? Let's rewind the case, hope could a scenario like this even transpire in the first place? Why is this case also an indictment on the media? How long will innocent women suffer because Krasner wants the last word on every question and answer? 145 - Does the city care about Kada Scott? 150 - Your calls to round out the hour. 2 - The Persistence, Scott Presler joins us for another weekly installation on The Dom Giordano Program. How great is EarlyVoteAction's staff in New Jersey? What is Scott's take on the rule bending being implemented in Passaic County to undermine voter integrity? What is Scott's message to Pennsylvania voters? Why is it important for Republicans to go into areas previously ignored by the GOP? 215 - Dom's Money Melody! 220 - Robert De Niro gets mad at "Jewish Nazis”. What is in the water in Haverford Township? 225 - Your calls. 230 - Treasurer of the Commonwealth of Pennsylvania and Republican candidate for governor, Stacy Garrity joins us again today. How do we feel about the No Kings protests in Pa and across the country? What does she feel the focus should be on, instead of worrying about a non-existent king? Can we get the Governor's Budget from our Governor anytime soon? What kind of person has a 30 person media relations team? Stacy tees off on her juxtaposition from the Shapiro administration. What motivates him to roll the dice on someone like this guy who works on his staff? 250 - The Lightning Round!

2 - The Persistence, Scott Presler joins us for another weekly installation on The Dom Giordano Program. How great is EarlyVoteAction's staff in New Jersey? What is Scott's take on the rule bending being implemented in Passaic County to undermine voter integrity? What is Scott's message to Pennsylvania voters? Why is it important for Republicans to go into areas previously ignored by the GOP? 215 - Dom's Money Melody! 220 - Robert De Niro gets mad at "Jewish Nazis”. What is in the water in Haverford Township? 225 - Your calls. 230 - Treasurer of the Commonwealth of Pennsylvania and Republican candidate for governor, Stacy Garrity joins us again today. How do we feel about the No Kings protests in Pa and across the country? What does she feel the focus should be on, instead of worrying about a non-existent king? Can we get the Governor's Budget from our Governor anytime soon? What kind of person has a 30 person media relations team? Stacy tees off on her juxtaposition from the Shapiro administration. What motivates him to roll the dice on this guy working on his staff? 250 - The Lightning Round!

Let's talk about starting homesteading when money is tight and time is even tighter. In this Everyday Homesteading episode, we show you how to begin right where you are, in the kitchen, and build skills that naturally grow into gardens, livestock, and a well-stocked pantry. No acreage required, no 40 extra hours a week, no influencer-level gear.In this episode: • Why every homestead should start in the kitchen • Budget homesteading 101, price-per-unit, and ingredient-based shopping • Farmers markets, seconds boxes, and CSAs for nutrient-dense food on the cheap • Preservation you can begin this week, from freezing and dehydrating to simple water bath canning and fermentation • Seasonal rhythms on our North Idaho homestead, including winter squash, deep bedding, seed saving, and salt-curing porkSponsor:Azure Standard is our go-to for healthy ingredients and bulk buys. Get 15% off your first order over $100 with code homesteadingfamily15 at https://homesteadingfamily.com/main-azure-standard-bLinks: • Homestead Kitchen Magazine, delivered right to your door (U.S. only): https://homesteadingfamily.com/podcast-magazine⦁ For more information, visit the blog post here: https://homesteadingfamily.com/homesteading-skills-to-learn-now/If you enjoyed this conversation, would you take a minute to rate and review the show? Then, download a few episodes so more families can discover Everyday Homesteading. Thank you for helping spread real, doable homestead skills. Because you CAN do this.TIME STAMPS:0:00 - Introduction2:46 - Chit Chat8:03 - We Need YOUR Help!9:35 - Azure Standard10:54 - Main Topic~~~~~~~~~~~~~~~~~~~MORE ABOUT US!WELCOME! We're so glad you're here! We are Josh and Carolyn Thomas. Together with our eleven children, we are The Homesteading Family where we're living a self-sustainable life in beautiful North Idaho. Let us welcome you and show you a bit about us here: http://bit.ly/HFWelcomeVideoGrow, Preserve & Thrive with us!Visit us on our blog: https://www.homesteadingfamily.comFacebook at https://www.facebook.com/homesteadingfamilyInstagram: https://instagram.com/homesteadingfamilyRumble: https://rumble.com/HomesteadingFamilyA few highlights you don't want to miss are our FREEBIES!!Healthy Healing at Home – Learn how to confidently use herbal medicine in your home with this FREE 4 video workshop: https://homesteadingfamily.com/HHHytYour Best Loaf – A Free 4 video workshop teaching you how to make great bread at home, every time, regardless of the recipe you are using: https://homesteadingfamily.com/free-bread-workshopAnd hey, don't forget to download this episode, like and subscribe, then share with your friends so more people can hear reliable homesteading advice.

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Sign Up For The Challenge NowFestive season is coming in hot—and you don't need to white-knuckle it. In this bonus chat with time management coach Anna Dearmon Kornick, we talk about setting a holiday vision, building simple guardrails for both time and money, and saying “yes” to what matters (and no to the rest). Plus: details on the Take Back Your Time Challenge: Stress-Free Holiday Edition—and our VIP workshop, Bougie on a Budget: How to Cash-Flow Christmas (No Holiday Hangover).

The economic, demographic, and technological forces of change are continuing to drive disruption, confusion, and chaos. Against the backdrop of this ever-shifting landscape, TA Leaders are expected to deliver greater value to their organizations than ever before. So how are they planning to do this in the next 12 months? What are the strategic priorities, how are budgets being impacted, and where and how is AI being deployed to help? My guest this week is Sven Elbert, Head of Analyst Services at Fosway Group. Fosway recently published TA Realities Research, a survey of European TA Leaders on their strategic priorities and budgets for the coming year. In our conversation, we dig into the details, discuss surprising results, and identify a significant issue with how AI is currently being used. In the interview, we discuss: TA's challenges and shifting priorities Budget pressure and significant implications for agencies How will TA deliver value to their organizations in 2026? The AI adoption cycle and cutting through the hype Why isn't AI being used to solve strategic problems? Basic AI features versus transformational AI features What does the future look like? Follow this podcast on Apple Podcasts. Follow this podcast on Spotify.

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Quint and Logan talk through how to factor a bonus into your budget. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Neil Insull and Matt Crawford look at the IFS Green Budget and its warning to Rachel Reeves to avoid “half-baked” tax fixes ahead of the next Budget. They discuss what this could mean for future policy and the pressures facing the Chancellor. They also cover a rare court ruling allowing a judicial review against HMRC five years late, and the Treasury’s plans to tighten the sugar tax, a move that could see drinks like Ribena and Lucozade changing their recipes once again. And in a final twist, they look at a VAT dispute involving laughing gas that proves there’s nothing funny about tax classification.See omnystudio.com/listener for privacy information.

Money is never just about dollars and cents. It's a window into our hearts, a test of our faith, and even a testimony to the world.Few people have taught that truth more faithfully than Ron Blue. Today, he'll share lessons from his own journey—from Wall Street to biblical stewardship—and explain how our approach to finances transforms us and our relationships with others.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.From Wall Street to Biblical WisdomRon began his career on Wall Street, later founding his own accounting firm and advising countless entrepreneurs and professionals. But everything changed when he became a Christian and encountered the teachings of Larry Burkett and Howard Dayton. He came to realize that everything that worked in the financial world had its roots in biblical wisdom.For more than forty years, he's witnessed God's redemptive work through money—seeing firsthand how financial decisions reveal the heart and become a powerful entry point for spiritual growth.As the late Billy Graham once said, “When you get your attitude about money right, the rest of life tends to fall into place.”Money Reveals the HeartRon often quotes Larry Burkett's insight that how we handle money is one of the clearest indicators of our spiritual life.Every purchase, every act of giving, every financial habit reflects what—and whom—we trust most.The first and most foundational lesson Ron has seen believers embrace is this: God owns everything.Once that truth takes root, everything changes. We move from ownership to stewardship, from anxiety to contentment, from control to trust. Those who live as stewards tend to develop an eternal perspective—knowing where their true security lies.When couples discuss money openly within that framework, communication strengthens and unity deepens. Money becomes not a barrier but a bridge to a deeper connection.Learning How Much Is “Enough”One of Ron's signature teachings centers on answering the question: How much is enough?Defining financial “finish lines” for lifestyle and accumulation frees believers from endless striving. It helps them determine when to give more, save less, and live joyfully within God's provision. From a worldly view, enough is never enough—but from God's view, it is both possible and freeing.When we truly believe that God owns everything, our financial goals shift. We seek margin—the space to give, serve, and respond to God's call.Money itself isn't the goal—it's a tool to accomplish God's purposes. Whether it's how we educate our children, give to ministry, or plan for the future, the question becomes: How can these resources advance God's Kingdom?When people look at us, they shouldn't see someone better, but someone different—different priorities, values, and goals.When Couples Don't See Eye to EyeNot every couple starts on the same page financially. Ron has seen how honoring the marriage covenant sometimes means yielding financial preferences for the sake of peace and witness. In one case, advising a believing wife to honor her unbelieving husband's wishes about tithing led to that husband's eventual openness to Christ.Even in his own marriage, Ron and his wife, Judy, have relied on third-party counsel to strengthen their communication—reminding couples that it's not their money, but God's money.Money as a Test and a TestimonyFor Ron, money serves three purposes: it's a tool, a test, and a testimony. God often uses money to build our faith because it serves as a test of our trust. But it's also a testimony. Contentment, generosity, and peace in financial life point the world to the sufficiency of Christ. In a culture driven by comparison and consumption, a believer who lives joyfully and contentedly becomes a living witness of God's faithfulness.If we can demonstrate contentment, confidence, peace, and joy, the world will notice—and wonder why. Money even becomes a testimony to the next generation as children watch their parents live open-handedly and find joy in biblical stewardship.When you view money as God's tool, test, and testimony, it reshapes not just your finances—but your faith, marriage, and legacy.Money is a great servant but a terrible master. When we surrender ownership to God, we discover the true freedom of stewardship—peace, purpose, and joy that outlast every market cycle.On Today's Program, Rob Answers Listener Questions:I'm 59 and planning to retire next year. My wife is already retired, and thankfully, our home and vehicles are paid off. We also have a few rental properties that are nearly paid for. My question is—when should I start taking Social Security? And regarding our pensions and investments, should I consider rolling them out of our company plans into something else?My son is thinking about filing for bankruptcy. He has quite a bit of debt—not just credit cards—and I'm worried about what bankruptcy would do to his credit and how long it would take him to rebuild. He hopes to buy a home in the near future. What are his options to avoid bankruptcy, and if he does file, how can he begin to recover his credit?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

***Disclaimer: Some statements in this podcast may be inappropriate or out of character. Listener discretion is advised. For concerns, email info@mybusinessonpurpose.com*** How do you know what to pay when adding a new role to your team? In this episode, Shawn “Dickie” Stinson and Brandon “Donny” Gray tackle one of the toughest questions business owners face — how to define compensation and set a realistic budget for a new position. They break down the balance between what your company can afford, what the role is truly worth, and how to attract the right person without overextending your business. Discover practical insights on: ✅ Setting clear pay ranges that fit your business goals ✅ Avoiding emotional or comparison-based pay decisions ✅ Aligning compensation with company values and performance ✅ Creating sustainable roles that support long-term growth If you're defining a new role or rethinking your pay structure, this episode will give you the clarity and confidence to make smart, purpose-driven decisions. Take the next step toward a healthy business:

Recent revisions have cast doubt on the reliability of the government's economic statistics. Budget cuts and job vacancies at the Bureau of Labor Statistics (BLS) have exacerbated pre-existing issues from low initial survey response rates and the difficulty of identifying economic inflection points in real-time. Striking the right balance between timeliness and precision is essential for investors and the Fed to make well-informed decisions. In this episode, we talk with Bill Beach, Commissioner of the BLS from 2019-2023, about the process behind BLS data collection, why recent revisions have been so large, and different ways to improve government data.

UK Chancellor of the Exchequer Rachel Reeves discusses the balancing act she faces over increasing the headroom against her fiscal rules, saying, “I recognize that in a world as volatile as it is today, having a bit more of a buffer can help absorb shocks.” Reeves also discussed the need to get the balance right on taxes with Lisa Abramowicz on the sidelines of the IMF meeting in Washington.See omnystudio.com/listener for privacy information.

The Office of Management and Budget director warned that layoffs could climb “north of 10,000.” A memo was circulated in September that instructed agencies to prepare for mass layoffs in the event of a shutdown. This as Senator Bernie Sanders and Congresswoman Alexandria Ocasio-Cortez signaled at a CNN town hall that an end to the shutdown is far, far away.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today, the Institute for Fiscal Studies has warned the Chancellor she's risking being stuck in ‘Groundhog Day' when it comes to her upcoming Autumn budget.Adam is joined by Faisal, who's been speaking to Chancellor Reeves at the IMF summit in Washington DC, and Helen Miller, director of the Institute for Fiscal Studies, who have published their Green Budget document today. They discuss why Rachel Reeves should fear being stuck in an economic doomloop, the taxes that could rise in November's budget, and what the chancellor has said to Faisal about ‘targeted action' on inflation and the cost of living. And, BBC Security Correspondent Frank Gardener has been at a lock-in listening to the MI5 boss Sir Ken McCallum giving his annual speech on threats to the UK. Adam and Frank discuss what Sir Ken said about the UK's relationship with China, following this week's collapsed China spy case. You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://bbc.in/newscastdiscordGet in touch with Newscast by emailing newscast@bbc.co.uk or send us a WhatsApp on +44 0330 123 9480.New episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bbc.in/4guXgXd Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Miranda Slade with Shiler Mahmoudi and Sophie Millward. The social producer was Beth Pritchard. The technical producer was Mike Regaard. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.

If your grocery spending feels like it's getting out of control, you are not alone. As my kids have grown, I've noticed just how much more food (and bigger portions!) we're going through every single week. Add inflation on top of that, and suddenly the grocery bill looks way higher than it used to.In this episode, I'm sharing the 3 rules my family lives by when it comes to grocery shopping. These three habits have saved us hundreds of dollars each month—and they've made grocery shopping way less stressful. My hope is that you'll hear at least one tip you can start using right away to spend less on food and feel more in control of your grocery budget.

In this surprise bonus episode of It's About Time, I'm talking to Shana and Vanessa, the 'Budget Besties', about navigating holiday spending and scheduling. We dive into setting boundaries, staying within budget, and creating a stress-free holiday season. Listen in for practical tips to balance your time and finances while enjoying the festivities. You can hear more from the Budget Besties when you sign up for the Take Back Your Time Challenge: Stress-Free Holiday Edition! Save your spot: abouttimechallenge.com

In This Episode Many bank leaders are currently grappling with the same paradox: despite having access to more data than ever, it's increasingly difficult to discern what truly matters. Budgets are tight, initiatives are piling up, and the market sends conflicting signals, all while the imperative to remain relevant to customers persists. Breaking Banks did a show on VUCA (volatility, uncertainty, complexity, and ambiguity) three weeks ago (if you missed it, take a listen when you get a chance!). When there's VUCA, the natural inclination is to add more—more dashboards, more projects, more committees—yet this rarely leads to clarity. This episode of Breaking Banks features Catherine Lynch from Citizens Bank and Greg Palmer, host of sister podcast Finovate. They discuss the importance of human-centered innovation. Catherine Lynch leads digital experience and human-centered design at Citizens, a super-regional bank with approximately 1,000 branches primarily in the Northeast and $220 billion in assets. With over 20 years in banking and prior experience at Accenture and various tech startups, Catherine has dedicated her career to leveraging technology to solve customer problems. At Citizens, she focuses on digital channel strategy and experience design for a diverse customer base, including consumers, commercial clients, and wealth management customers. Catherine explains that all banking clients share three fundamental needs: seeing their money, moving their money, and protecting their money. However, these needs have evolved as people navigate cognitive overload, economic stress, and reduced community connections, leading to a demand for simpler and easier banking experiences. To meet these changing expectations, Citizens employs a human-centered design approach, placing customer needs at the core of their problem-solving process through empathy, collaboration, iteration, and testing. Their innovation lab, part of Green Pixel Studios, enables them to observe customer interactions and rapidly develop solutions for pain points. With its human centered focus and work building the right kind of innovative community, the future looks bright for Citizens Bank as it continues to deliver exceptional customer experiences and help customers navigate today's information overload. Listen now to learn more!

Gold has been surging this year—but what's behind the rise, and what should investors keep in mind before buying in?Precious metals, such as gold and silver, have long fascinated investors, particularly in times of economic uncertainty. But are they wise investments for today? If so, how should we approach them? Mark Biller joins us today to talk about investing in precious metals.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Surge in Gold and SilverGold's remarkable rise has captured headlines again, now up over $4,000 an ounce—up from about $2,600 at the start of 2025. That's a 50% gain this year on top of last year's 26% surge. Silver has jumped even higher, up roughly 60%, while gold mining stocks have more than doubled.What's behind this stunning rally? Several key forces are at play. Global central banks have been buying gold aggressively, a trend that accelerated after the U.S. froze Russia's dollar reserves in 2022. This event shook confidence in the U.S. dollar as a neutral reserve currency. Add in fears of currency debasement stemming from massive government spending since the COVID pandemic, and gold suddenly looks like a safer store of value.As investors around the world look for stability, gold—the “4,000-year-old alternative currency”—is once again shining.To understand today's prices, it helps to look at history. Adjusted for inflation, gold recently surpassed its all-time high from January 1980. Silver, meanwhile, is nearing $50 an ounce—the peak it hit in both 1980 and 2011—but still lags behind those highs when adjusted for inflation.These cycles remind investors that precious metals often move in waves—soaring during manias, then enduring long pullbacks. After its 1980 peak, silver prices dropped nearly 90%; after 2011, they fell by about 70%. Understanding those cycles helps set realistic expectations and temper “gold rush” enthusiasm.Gold as a Store of ValueUnlike stocks or bonds, gold doesn't produce income or dividends. That makes it tricky to value—but also unique. It's not a productive asset; it's a preservative one.For centuries, an ounce of gold could buy a fine men's suit. The same holds true today, illustrating its enduring purchasing power. Gold's real role isn't to generate profit—it's to store value when currencies lose theirs.Viewed this way, gold functions as an alternative currency to the world's paper money systems. As inflation rises and confidence in traditional currencies wavers, gold's relative stability stands out.Gold's appeal intensifies during uncertainty. Whether it's inflation, war, or financial instability, investors turn to gold as a hedge. While Americans rarely consider regime changes, history is filled with nations where financial systems collapsed, and gold helped preserve wealth across transitions.Even in less dramatic times, when governments respond to crises by printing more money, gold tends to perform well. As fear increases, so does the appetite for precious metals.Gold, Silver, and Mining Stocks: Knowing the DifferenceEach part of the precious metals market serves a different role:Gold is the foundation—a global monetary metal and store of value. It's what central banks buy, and it tends to be more stable.Silver is both a monetary and an industrial metal. Its demand fluctuates more with the economy, primarily due to uses in electronics and solar panels. That makes it more volatile—but also more accessible to smaller investors.Mining Stocks are speculative. While they can surge when gold prices rise, they're also risky. Over the long term, mining stocks have underperformed, so investors should approach them with caution.How to Invest Wisely in Precious MetalsWe recommend a balanced approach: Physical gold and silver provide direct ownership and long-term stability. However, storage and security are concerns, so it's best to keep this allocation small—around 5% of your portfolio.ETFs (Exchange-Traded Funds) offer convenience and liquidity. They're ideal for active management and diversification.Combining both approaches provides flexibility and peace of mind—anchoring part of your wealth in tangible assets while keeping another portion readily accessible for use.As with any investment, precious metals should be approached with discipline and perspective. They're best viewed as part of a long-term diversification strategy—not a get-rich-quick play.To learn more about investing wisely in gold and silver, Sound Mind Investing has released a free special report for Faith & Finance listeners. Download your copy at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I own a 100-year-old building where I live and also rent out a couple of units. It's well built but always needs work. Thankfully, I can handle many of the repairs myself, as I come from a family of electricians and real estate professionals. The issue is, I can't seem to deduct much of what I do on my taxes, even though I spend a lot of time maintaining the property. I also sometimes barter with family and friends, helping them with projects in exchange for their help. Is there a legal way for me to charge for some of my time or count this work toward deductions?I've got about $7,000 to $8,000 in credit card debt, and I'll be leaving my job soon. I have a 401(k) with a balance similar to mine, and I know that taking it out early means incurring taxes and penalties. Would it make sense to cash out my 401(k) to pay off my credit cards, or would you recommend an alternative approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Inflation History: The Rise and Fall of the U.S. Dollar (Free Report by Sound Mind Investing)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The head of MI5 has said Chinese state operatives present a daily national security threat to the UK and expressed frustration about the collapse of a case into alleged spying on behalf of Beijing in Britain. Also: The Chancellor says she's planning targeted action in her Budget next month to tackle cost of living challenges. And a lucky thirteen for the Guide Dogs for the Blind Association, as it celebrates its biggest litter of pups for three years.

Edition No255 ||| Day 1,341 ||| 16-10-2025 - This is your Silicon Bites Daily Geopolitics Brief, with a rundown of news stories on 16th October 2025. We cover Ukraine, Russia, China and the global struggle against autocracy. Tonight's rundown of the authoritarian front: Russia pounds Ukraine's grid again; Kyiv's drones torch refineries and substations deep inside Russia; London hammers the “shadow fleet” with a new, harsh packet of sanctions; Washington and Brussels tighten the screws; India and Japan feel U.S. pressure on Russian energy; and inside Russia, repression expands while Moscow hunts more foreign manpower for the trenches. London takes a hard swing at Russia: sanctions on Rosneft, Lukoil, and the “shadow fleet”.The UK just unveiled one of its most sweeping packages yet: new sanctions listings hitting Rosneft, Lukoil, cornerstones of Russia's war revenues, and dozens of tankers used to skirt the price cap. Reuters: Britain targeted “its two largest oil firms… as well as 44 tankers in the ‘shadow fleet'.” (Oct 15) (Reuters)----------This is super important. There are so many Battalions in Ukraine, fighting to defend our freedoms, but lack basics such as vehicles. These are destroyed on a regular basis, and lack of transport is costs lives, and Ukrainian territory. Once again Silicon Curtain has teamed up with Car4Ukraine and a group of wonderful creators to provide much-needed assistance: https://car4ukraine.com/campaigns/autumn-harvest-silicon-curtainAutumn Harvest: Silicon Curtain (Goal€22,000)We'll be supporting troops in Pokrovsk, Kharkiv, and other regions where the trucks are needed the most. 93rd Brigade "Kholodnyi Yar", Black Raven Unmanned Systems Battalionhttps://car4ukraine.com/campaigns/autumn-harvest-silicon-curtain----------SOURCES: Reuters — “Russia's seaborne fuel exports sank 17% in September after drone attacks” (Oct. 13, 2025)Reuters — “Storms, drone attacks and record oil exports pile pressure on Novorossiisk” (Oct. 15, 2025)Reuters — “Russian finance ministry proposes raising VAT to 22% to help finance war” (Sep. 24, 2025)The Moscow Times — “More Taxes for More War: Unpacking Russia's 2026 Budget” (Oct. 7, 2025)Reuters — “Russia set to raise corporate profit tax” (May 23, 2024)Reuters — “Gazprom swings to net loss … 2024 (RAS)” (Mar. 17, 2025)TASS — “Share of loss-making entities in Russia was 31.6% in Q1 2025” (June 4, 2025)Financial Times — “Russia's coal miners buckle under sanctions, weak prices and war” (Oct. 13, 2025)Reuters — “Russia's Mechel halts some coal operations as industry faces crisis” (Aug. 28, 2025)Reuters — “Rostselmash: demand collapses as key rate hits 30%” (May 16, 2025). ([Reuters][13])Interfax — “Sales of Russian agricultural machinery fall 32.1% in H1 2025” (Aug. 4, 2025)Liga/Pravda summaries of *Vedomosti* interview — “Rostselmash to cut output ~30% in 2025” (Oct. 6, 2025)Jamestown Foundation — “Kremlin's war economy driving recession in regions” (Sep. 26, 2025)The Moscow Times — “Belgorod to end housing payments for some displaced residents” (Jun. 27, 2025)Meduza — “Belgorod won't repair homes of residents who left Russia until after the war” (Jun. 30, 2025)SIPRI — Preparing for a Fourth Year of War: Military Spending in Russia's Budget for 2025 (Mar. 11, 2025)----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur events of the first half of the year in Lviv, Kyiv and Odesa were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. Any support you can provide for the fundraising campaign would be gratefully appreciated. https://buymeacoffee.com/siliconcurtain/extras----------

Is America's debt crisis the biggest threat to prosperity—and can we fix it before it's too late?In this week's Let People Prosper Show, I sit down with Romina Boccia, one of the nation's top fiscal minds and a fearless reformer when it comes to Washington's runaway spending. Romina is the Director of Budget and Entitlement Policy at the Cato Institute, where she leads research on federal spending, debt, and entitlement reform. She's also the principal author of Debt Dispatch—the number-one fiscal newsletter read by members of Congress—and author of the new book Reimagining Social Security: Global Lessons for Retirement Policy Changes.I first met Romina during my time at the White House Office of Management and Budget, and I've admired her work ever since. In this episode, we talk about her journey from Germany to D.C., how she became one of the fiercest advocates for limited government, and why entitlement reform isn't just a numbers issue—it's about moral responsibility to future generations.We unpack why the national debt—now over $37 trillion and rising by about $2 trillion a year—is a bipartisan failure decades in the making. Romina explains how unchecked spending, not too little revenue, is driving the crisis—and why sustainable reform to Social Security and Medicare is critical to preserving both freedom and prosperity.For more insights, visit vanceginn.com. You can also get even greater value by subscribing to my Substack newsletter at vanceginn.substack.com. Please share with your friends, family, and broader social media network. 

C dans l'air l'invité du 15 octobre 2025 avec Olivier Blanchard, professeur émérite au MIT (Boston) et à la Paris School of economics, ancien économiste en chef du FMI.Sébastien Lecornu a annoncé mardi devant l'Assemblée nationale la suspension de la réforme des retraites, symbole de la présidence Macron. Lors de sa déclaration de politique générale, il a proposé la suspension de la réforme des retraites «jusqu'à l'élection présidentielle» de 2027, qui portera sur la mesure d'âge et la durée de cotisation, comme demandé par le PS, et proposé une conférence sociale sur «les retraites et le travail». «Aucun relèvement de l'âge n'interviendra à partir de maintenant jusqu'à janvier 2028, comme l'avait précisément demandé la CFDT. En complément, la durée d'assurance sera elle aussi suspendue et restera à 170 trimestres jusqu'à janvier 2028», a indiqué le Premier ministre. Selon Sébastien Lecornu, «le coût de la suspension pour notre système de retraite est de 400 millions d'euros en 2026 et de 1,8 milliard d'euros en 2027». Il a affirmé que «cette suspension bénéficiera à terme à 3,5 millions de Français».La réforme «devra donc être compensée financièrement, y compris par des mesures d'économies» et ne pourra «pas se faire au prix d'un déficit accru», a toutefois prévenu Sébastien Lecornu, qui a souligné sa volonté de préserver «la crédibilité de notre pays» aux yeux des «prêteurs sur les marchés financiers».Olivier Blanchard, ancien économiste en chef du FMI et professeur émérite au MIT, à Boston, et à la Paris School of economics, est notre invité. Il réagira à la suspension de la réforme des retraites, et analysera les conséquences pour le déficit, alors que le FMI annonce une prévision de croissance de 0,7% pour la France en 2025. Il nous donnera aussi ses préconisations en terme de justice fiscale et de taxation des plus riches, le jour où le socialiste Olivier Faure annonce qu'il souhaite proposer la taxe Zucman sous forme d'amendement au budget.

This week on "Off The Cuff," Melanie and Nalia provide an update on where things stand with funding for federal student aid programs due to the ongoing government shutdown. Nalia begins by debriefing listeners on what has happened with the government shutdown so far, which began on October 1. Melanie then discusses how the shutdown – now entering its third week – is impacting federal student aid, including concerns NASFAA has heard from members, and shares several resources to answer member questions. The team also highlights how the White House's most recent reduction in force (RIF) at the Department of Education (ED), where roughly 20% of staff were laid off, could impact higher education. Nalia also provides an overview of the current appropriations process, where Congress must work together to fund the government for fiscal year (FY) 2026. 

In this episode of Wisdom's Table, I dive deep into the often misunderstood world of budgeting, particularly from a Christian perspective. Many people view budgeting solely as a numbers game, but I challenge that notion by emphasizing that it's as much about mindset as it is about math. Throughout the month, we're exploring various aspects of money, and today, I focus on how to master budgeting supernaturally by inviting God into our financial decisions. I begin by discussing the common misconception that budgeting is about restriction. Instead, I propose that a supernatural budget is a tool for revelation and strategy, designed to align our spending, saving, and sowing with God's order rather than our desires or anxieties. I share my personal experiences with clients who struggle with the restrictive feelings associated with budgeting and highlight the importance of understanding the "why" behind our financial goals. Throughout the episode, I encourage listeners to invite God into their budgeting process, asking for wisdom and discernment. I emphasize that budgeting is not just about surviving financially but mastering our resources in a way that honors God and aligns with His plans for our lives.   Let's connect outside the podcast! Join my email list HERE Get my book, The Money Mandate HERE Learn more about my coaching community HERE   00:00:01 - Welcome to Wisdom's Table Introduction to the podcast and overview of the episode's focus on budgeting. 00:00:26 - Mastering Budgeting Supernaturally Discussion on inviting God into budgeting and the mindset behind it. 00:01:19 - Six Ways Christians Blow Their Budgets Introduction to the common pitfalls in budgeting for Christians. 00:02:33 - Understanding the Why Behind Your Budget Exploring the importance of having a clear purpose for your budget. 00:04:08 - Finding the Right Budgeting Method Personal insights on different budgeting methods and their effectiveness. 00:07:00 - Common Budgeting Mistakes Detailed discussion on the six ways Christians often derail their budgets. 00:09:15 - Emotional Spending vs. Strategic Budgeting The impact of emotions on budgeting decisions and the need for discernment. 00:10:56 - Subscription Creep Addressing unnoticed recurring expenses that can affect budgets. 00:12:43 - Rewarding Yourself The dangers of needing a reward for every small win in budgeting. 00:13:43 - Budgeting for Blessings The importance of including generosity in your budget. 00:14:53 - Faith vs. Practicality The balance between faith and practical financial management. 00:15:35 - Ignoring the Math The necessity of acknowledging financial realities in budgeting. 00:21:08 - Seven Essential Elements of a Budget Introduction to the key components that should be included in a budget. 00:21:31 - Agreement in Budgeting The need for consensus between partners on budgeting strategies. 00:22:43 - Planning for Past and Future Incorporating past debts and future savings into your budget. 00:23:15 - Seeking Expert Wisdom The value of consulting financial experts for budgeting advice. 00:23:48 - Creating a Giving Account The significance of budgeting for generosity and blessings. 00:24:25 - Individualizing Your Budget Tailoring your budget to fit personal and family needs. 00:25:07 - Investing in Growth Including a line item for mentoring or coaching in your budget. 00:25:43 - Building Margin into Your Budget The importance of having a buffer in your budget for unexpected expenses. 00:26:01 - Closing Thoughts and Invitation Encouragement to invite God into financial decisions and wrap-up of the episode.

Morse code transcription: vvv vvv Government told to prepare for 2C warming by 2050 DAngelo, Grammy award winning R and B singer, dies aged 51 Big John Fisher British social media star detained in Australia over visa Daniel Day Lewis has not been inundated with scripts since return with Anemone Sexual assaults and harassment reports on trains risen by more than a third Vets should publish prices, competition watchdog says Ex footballer Colin Flatt stripped of his health, dignity, and life by NHS Reeves acknowledges she is looking at tax and spending ahead of Budget Celebrity Traitors Which one are you Take our quiz to find out Wildlife Photographer of the Year snapping the worlds rarest hyena

Feeling stretched by the little years, wondering how to support a gifted child, or trying to homeschool while solo and on a budget? This conversation is for you. In this episode, Coach Meg shares a gentle, doable roadmap for three big topics moms are asking about—under-7 homeschooling, "gifted" learners, and single-mom strategies—so you can lead your home with calm, clarity, and confidence.

You know how I always say that restriction doesn't work for weight loss? Well, it turns out it doesn't work for money either. Germaine and I jam on all the sneaky money traps we fall into as women and moms --- and how we can finally free ourselves from them. I sat down with my friend Germaine Foley, a total money queen who teaches women how to build wealth without restriction, deprivation, or overwhelm. You're going to be obsessed.Germaine used to have over $200K in debt, and now she's completely turned it around. She shares how she built wealth without giving up lattes, vacations, or joy (yes, please!). Her approach --- the Do Both Method --- is all about building wealth and enjoying life at the same time.Here's what we dive into:The invisible bars that keep us stuck in money cagesWhy "just make more money" isn't actually the solutionHow crash diets and strict budgets are basically the same trapThe mindset shift to do both --- live now and build for laterHow to align your spending with what actually matters to youMy favorite takeaway: money needs attention, but not obsession (like a good partner!)Germaine's 3-account system that makes managing money simple and funHow to stop ignoring your finances --- and start feeling empowered by themWhy spending on yourself isn't selfish --- it's smart, powerful, and necessaryI seriously got so fired up during this convo because the parallels between money and weight loss are wild. Both are about intention, not punishment. Attention, not restriction. Freedom, not perfection.If you're ready to change your relationship with money (and honestly, your whole life), go check out Germaine's free private podcastOr if you're like, "I need this woman in my life," book a consult with her.And mama --- don't forget to join the brand new Free the Moms Membership! It's all about freeing you from every kind of cage --- diet drama, people pleasing, mom guilt, money stress --- all of it: http://lauraconley.com/freethemomsLet's free the moms, free the money, and free your life. You deserve it.

Could a reverse mortgage be a widow's best friend?Since women typically outlive men, many will one day carry the financial load alone. Today, Harlan Accola joins us to explain how reverse mortgages have changed and why they can offer widows stability, dignity, and confidence for the years ahead.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Longevity ChallengeMany people still carry outdated assumptions about reverse mortgages. Some believe they're risky or predatory—especially for widows. However, over the years, these products have undergone significant evolution, incorporating new safeguards that make them a secure and compassionate option for many older adults, particularly surviving spouses.Women tend to outlive their husbands, often by several years. That creates what financial professionals call longevity risk—the challenge of stretching resources over a longer life. Couples frequently plan their finances assuming they'll live out retirement together, but the reality is that many widows face 2–10 years of life on their own, often with reduced income.For many, a reverse mortgage can bridge that gap. By allowing homeowners age 62 and older to access the equity in their homes without monthly payments, it provides a steady income—especially for those who want to remain in their homes.The reputation of reverse mortgages has improved dramatically since the early days. When the FHA introduced the program in 1988, some borrowers made unwise choices—like removing their spouse from the home title—which left surviving spouses vulnerable.Thankfully, that changed in 2013. Federal law now requires that both spouses be listed on the loan and protected by it. This safeguard ensures that a widow can remain in her home for as long as she wishes, without fear of foreclosure or forced sale.Dignity and Security for the Years AheadWhen a husband passes, household income often drops by around 40%. If a traditional mortgage payment remains, that financial burden can force a widow to sell her home. A reverse mortgage eliminates that risk by converting home equity into income—allowing her to stay in the place she loves, surrounded by memories, with dignity and financial stability.For widows, that security is invaluable. It turns a house into a lasting home, ensuring that the twilight years can be lived not in fear, but in peace.To learn more about whether a reverse mortgage could benefit your situation, visit Movement.com/Faith.On Today's Program, Rob Answers Listener Questions:I'm trying to find information about a Christian savings and loan, but I haven't been able to get the contact details. Can you point me in the right direction?I don't feel like I have enough savings to handle a real emergency. I'm working both full-time and part-time jobs just to keep up with bills, plus I'm trying to pay off student loans and credit cards. I feel stretched thin and don't know what to do next.I called before about my advisor and wanted to give you an update. Now I have a question: I have a 401(k), a traditional IRA, and a Roth IRA—each with about $100,000. When I retire, do I need to withdraw from one before the others, or is there a better strategy for taking distributions?I recently changed jobs and left my 401(k) with my former employer, which is now closing its doors. Should I roll that money into my new job's plan or transfer it elsewhere? I'm not very familiar with managing investments myself.I currently have a moderate growth account with a steady income, but I'm considering withdrawing the funds. Would CDs be a safe place to move that money, or do you have other suggestions?I need help finding affordable health insurance on a limited income. I have some past health issues, and I'm worried about being penalized. Where should I start looking?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageChristian Community Credit Union (CCCU)HealthMarkets | Healthcare.gov | eHealth | HealthSherpaWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of The Baseline NBA Podcast, we deliver our 2025-26 NBA Western Conference Preview — breaking down all 15 teams into four tiers: Contenders, Middle of the Pack, Play-In Hopefuls, and Lottery Bound squads. While many believe it's OKC Thunder's conference to lose, the West is as tight as ever, with razor-thin margins separating playoff locks from the lottery line. We debate where every team stands, highlight breakout candidates, and predict how this year's Western Conference hierarchy will shake out.If you love NBA analysis, power rankings, and season previews, this is the episode for you.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-baseline-nba-podcast--3677698/support.This show was sponsored in part by Raycon: Visit buyraycon.com/baseline for 20% off new buds!Get NBA League Pass: https://link.nba.com/LP19MGLooking to book a vacation? Our travel partner Exquiste Travel & Tours has you covered: Call 954-228-5479 or visit https://exquisitetravelandtours.com/Discover our favorite podcast gear & shop our studio must-haves on our Amazon Affiliate page! https://www.amazon.com/shop/19mediagroupWant to join the conversation or invite us to your platform? Budget-friendly collaborations welcome!  https://bit.ly/19GuestFollow The Baseline on X:  https://twitter.com/nbabaseline  Follow The Baseline on IG:  https://instagram.com/nba_baseline  The Baseline Swag: https://tinyurl.com/baselineswag

Today we're welcoming Sarah and Matt from Hyggeland Cabin in upstate New York, who built their own cabin from the ground up—a decision born from a COVID-era road trip and a serendipitous introduction to Den Outdoors cabin plans. What makes their story particularly compelling is they started dating in May 2020, bought land together on their one-year anniversary, and spent the next two years building a cabin while navigating a brand new relationship.Sarah grew up in a handy New Hampshire household where building additions and self-sufficiency were the norm, while Matt came from Hong Kong and Los Angeles with zero carpentry experience. Their journey together became as much about Matt discovering a new identity as a blue-collar builder as it was about creating a physical space. They touched every piece of wood in their cabin—Matt sanding and Sarah staining—while managing the project themselves and learning to navigate decision fatigue, budget overruns, and relationship dynamics.Their unique living situation adds another layer: they actually live in the cabin except when it's rented, which means they're constantly commuting two and a half hours from their Westchester apartment for turnovers. This hands-on approach has given them deep insights into what makes a space functional, from hidden storage with childproof locks to phone chargers at every bedside.We explore their philosophy of building with love, why they chose hourly contractor rates despite the uncertainty, how they've embedded themselves in their local community through volunteer firefighting, and their honest reflections on burnout, relationship strain, and why they're already planning to build another cabin despite saying they'd never do it again.Whether you're considering a DIY build, navigating a major project with a partner, or wondering how to balance living in your rental property, this conversation offers candid insights from a couple who learned everything the hard way.Instagram: @hyggelandcabin Booking Site: https://www.airbnb.com/rooms/1150094111589366186?fbclid=PAZXh0bgNhZW0CMTEAAaedjMdYkKtkd_J6LLAt7glhegEPG8HNDSbdKcsDtPzogFSuvyAS2WsHIqm5mg_aem_bAsfyE2-cGhia2He_BtZ8QInstagram: @cozyrockcabin Cozy Rock Cabin: https://staycozycabin.holidayfuture.com/listings/311027Cozy Camp Sebec: https://staycozycabin.holidayfuture.com/listings/311051 Cozy Rock Website: http://www.staycozycabin.com  YouTube Channel: https://www.youtube.com/channel/UC_FgMwAgvORd1IwlH1nlC9g

Greece's government recently tabled its budget for 2026, a budget that foresees a jump in spending, growth for the economy, and a drop in Greece's debt. Yiannis Mouzakis, the co-founder of Macropolis.gr, joins Thanos Davelis as we dig into Greece's budget, looking at some of the positive trends like increased revenue from electronic payments and Greece's declining debt, while breaking down some of the potential challenges Greece still needs to pay attention to.You can read the articles we discuss on our podcast here:State spending to jump €5 bln next yearGovernment budgeting on a late RRF sprintLawmakers in fervent clash over 13-hour workdayIn EU first, Greece set to introduce 13-hour workdayPKK leader Ocalan appeals to Iraqi Kurdistan president for help in Turkey peace talks

Food prices are up (again), takeout is 4x more expensive than eating at home, and yet somehow..dinner still ends up on your doorstep. That's exactly why we created Eat Better, a new video series that makes home cooking feel doable, even if you're not “a cooking person.”In this episode, we're breaking down why so many people aren't cooking at home, and what it really takes to change that.Julien talks about how 20+ years of cooking at home and 7 years as a pro chef shaped our latest project, and Kiersten opens up about what's kept her out of the kitchen. We also dig into how we think about food and money, and why this moment in time demands a better approach to nourishing yourself and your family.Listen to hear more about:The launch of our new video series Eat BetterWhy your favorite restaurants might all be serving the same food How people got to a point where cooking feels harder than it isThe emotional, cultural, and economic reasons behind the takeout trapWhy your kitchen might be working against youWhy cooking is a critical life skill, not just a nice-to-haveHow restaurant-quality meals at home are more doable (and cheaper) than you thinkLinks: Start here and leave your questions for Eat Better (full series HERE)“I tracked down the company ruining restaurants” via More Perfect UnionEp 158 - The secret to stress-free cooking at home | must-have kitchen tech for busy people (watch it instead) Eat Better on a Budget ebook Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow