Podcasts about Budget

Jim Elliot once wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.”“Generous” might not be the first word that comes to mind when you think about pro athletes, but Kirk Cousins is rewriting that playbook. The three-time Pro Bowl quarterback in the NFL is using his platform—and resources—for eternal impact. Today, we'll hear how his faith shapes everything from football to finances.Kirk Cousins is the starting quarterback for the Atlanta Falcons and a veteran leader in the National Football League (NFL). He previously spent six seasons with the Washington Commanders and six with the Minnesota Vikings. A four-time Pro Bowler and outspoken man of faith, he is also the cofounder of the Julie & Kirk Cousins Foundation, which supports families and youth through faith-based initiatives.A Legacy of Generosity: Lessons from His ParentsGrowing up as a pastor's kid, Cousins remembers how his parents modeled generosity long before he had a bank account of his own.“My mom had the gift of hospitality,” he says. “Even when I didn't think I needed money, she'd hand me two twenties before I went out with friends. There was just this open-handedness.”While his dad managed the family finances with intentionality, it was his mother's willingness to give freely that left the deepest mark. “It was caught, not just taught,” Cousins reflects, emphasizing how their example shaped his understanding of stewardship early on.From Minimum Wage to Signing Bonuses: A Crash Course in StewardshipWhen Cousins was drafted into the NFL, his first check—a six-figure signing bonus—was a wake-up call.“As a college kid who had never earned more than minimum wage, I didn't know what to do,” he recalls. “I called my dad, and he said, ‘I don't know either!'”That moment marked the beginning of a stewardship journey—one that included learning to give, save, and live below his means in a world of excess. It wasn't easy, especially when surrounded by peers embracing a more lavish lifestyle. But Cousins understood that as an athlete, his income had a shorter runway.“You're approaching a cliff,” he says. “So it's scary to give when your career has an end date. But that's where faith comes in—trusting that God will provide beyond your own earning power.”It would be easy, Cousins admits, to treat financial obedience like a checklist—give, save, repeat. But biblical stewardship isn't about rules; it's about surrender.“I've done that—just checked the boxes. But that's not the abundant life Jesus promises. It's not religion, it's relationship.”He points to Jesus' parable of the treasure in the field (Matt. 13:44): “Once you see Jesus as the treasure, everything else becomes a logical response. Of course you'd sell everything to have Him. Stewardship flows from seeing Him clearly.”When Faith Feels Risky: Giving on a Diminishing TimelineThe tension for Cousins lies in balancing the enjoyment of God's provision with wisdom about the future.“I actually enjoy those moments that require more faith. When I give, and I don't know what's next, it puts the pressure back on God—where it belongs.”But he's quick to acknowledge the gray areas. “What's wise versus what's excessive? There's no formula. You have to walk with God and ask for His guidance daily.”One of the most valuable pieces of advice Kirk received early in his career came from a generous mentor: “Always give in unity with your wife.”That advice stuck.“When Julie isn't comfortable, I pause and pray. Her perspective might be the Holy Spirit speaking. Giving together strengthens our marriage and our stewardship.”Cousins sees their giving not only as a financial decision, but as a spiritual discipline of unity and trust.Planning for the Future: Wisdom Before WealthAs parents to young boys, Kirk and Julie have also had to consider how best to plan their estate. They've established a family office to prepare for the future—but with a strong desire to pass on wisdom before wealth.“We want to get to the end of our lives and say: the wisest hands to put this in are our kids'. But we also want to be realistic. If it wouldn't be wise to pass along wealth, we want our plan to reflect that.”Much of their estate will also go to their foundation, which they hope will be spent down soon after their passing. “We don't want it to live on in perpetuity with intentions we never had. We want to make an impact now.”So, where is Kirk Cousins most excited to give right now? The answer goes back to his roots.“I went to a Christian high school—Holland Christian—and it profoundly impacted my life. I want to make it more affordable for other families, support teachers, and strengthen Christian education.”It's a full-circle moment: a public school kid transformed by Christian community, now investing in the same kind of life-shaping environments for others.Final Whistle: A Life Well StewardedKirk Cousins is more than an NFL quarterback. He's a husband, father, and faithful steward who is using his influence to glorify God—not just in the end zone, but in the quiet decisions of budgeting, giving, and planning for the future.His story reminds us: Stewardship is not about how much we have—it's about how faithfully we respond to the One who gave it all.On Today's Program, Rob Answers Listener Questions:I own my home outright and keep hearing about home title protection services. How real is the risk of title fraud, and should I be concerned?I have rental properties in Arkansas, but my kids in California don't want them. I'm worried that when I pass, they'll sell them quickly for way less than they're worth. Should I go ahead and sell them now and put the money in a trust for my grandkids' education—or is there a better option?”Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Julie & Kirk Cousins FoundationWisdom 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.

Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Has anybody else been binge-watching "Get Organized with The Home Edit" on Netflix? Between that and my new kitchen renovation, I've been in an organization frenzy. So it only felt fitting to have Christina Hidek on the podcast today, an attorney turned professional organizer who is passionate about structure, organization and creating custom systems that help people de-clutter their lives. Now I know you might be thinking.... professional organizer?! What does that have to do with money? Well, in this episode, we're discussing all the ways that clutter affects your finances as well as some quick tips to help you save money by getting more organized! Enjoying the podcast? Make sure to subscribe & leave a review!You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Alan provides a new Thursday Thought episode. Alan opens this episode with a simple question: Do you have a time budget? A money budget is important to keep your finances in order. To succeed as an inventor you must have a time budget.  Alan shares his story on creating a time budget - so he could write a novel.  Be sure to subscribe to the podcast on Apple Podcasts or wherever you get your podcasts, so you won't miss a single episode. Website: www.alanbeckley.com

What makes a truly great nonprofit CFO? In this episode of Inspired Nonprofit Leadership, I'm joined by Neil Shah—seasoned CFO and founder of Altruva.ai—to talk about the difference between tracking numbers and driving strategy. We explore the role of fractional CFOs, the power of financial storytelling, and how AI is transforming nonprofit finance. Whether you're managing a budget or presenting to your board, this episode will help you think more strategically about your financial leadership. Episode Highlights 04:09 The Role of a Nonprofit CFO 04:48 Challenges and Solutions for Nonprofit CFOs 06:26 Neil's Journey to Becoming a CFO 11:40 The Value of a Fractional CFO 16:41 Financial Storytelling in Nonprofits 21:51 Visualizing Data with Graphs 22:36 Understanding Financial Trends 23:28 Key Financial Strategies for Nonprofits 28:22 Professional Development for CFOs 30:13 The Role of AI in Nonprofit Finance Meet the Guest My guest for this episode is Neil Shah. Neil has spent the past two decades serving as an outsourced or in-house Chief Financial Officer for non-profit organizations across the United States, organizations with annual budgets ranging from a few million dollars to almost half a billion dollars in annual government and philanthropic revenue. He has implemented audit/fraud-proof accounting and budgeting processes and procedures, upgraded new financial software systems that reduced manual workloads, and brought boards along the financial roadmap of the organization through education and storytelling. He is a partner with leadership teams and is able to provide the financial perspective of an issue while helping those teams understand the non-financial aspects of a situation, helping to find common ground while still ensuring financial sustainability. Neil received his bachelor's and master's degrees in business administration from the Marshall School of Business at the University of Southern California. Connect with Neil: https://www.cfogroups.com https://www.linkedin.com/in/neilshah26/ Sponsored Resource Join the Inspired Nonprofit Leadership Newsletter for weekly tips and inspiration for leading your nonprofit! Access it here >> Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.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 Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom 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.

We're facing a mental health crisis…And the way most of us are told to “cope” isn't working. We're handed pills, told to push through, and encouraged to keep grinding, while our stress builds and our joy fades. The result? A constant state of burnout, disconnection, and emotional exhaustion.In this soul-nourishing episode of The Prosperity Approach, I'm joined by the extraordinary Vesna Matic, a Licensed Master's Level Psychologist (LMLP) with over 35 years of experience blending science, spirituality, and cultural immersion to help people heal from the inside out. Vesna has worked with trauma survivors, led transformational journeys to sacred sites, and developed powerful tools that go far beyond traditional therapy.We dive into the truth about the mental health epidemic, simple and enjoyable ways to reduce stress, and why reconnecting with what lit you up as a child can be one of the most healing things you'll ever do. Vesna also shares the magic of her international spiritual journeys and why experiencing another culture can break through emotional barriers in a way nothing else can.If you're ready to reclaim your mental well-being, expand your joy, and discover a whole new approach to healing, this conversation is the reset you didn't know you needed.—✨ Effortless success for the ambitious & god-centered woman begins here. Learn more about The Prosperity Approach here: https://allysonchavez.com/—Key Takeaways:00:00 Intro 03:33 The mental health epidemic 06:09 Seeking help and support systems09:48 Stress relief techniques 13:31 Spiritual journeys and cultural immersion 17:03 Medication and holistic approaches21:42 Focusing on Mother Earth23:50 Budget cuts and mental health programs 28:09 7-Day Mental Health Awareness Intentional 32:49 Outro—Additional Resources:- Learn more about Vesna:Website: https://www.visionsforlife.org/Book Vesna: www.bookvesna.comInstagram: https://www.instagram.com/vesnamw/- Reach out to me on social media:InstagramFacebookLinkedInThe Prosperity Approach is a podcast showing ambitious, God-centered women how to master their inner game so they can lay down the struggle, manifest their dreams, and LOVE life as they go.- Follow the podcast on your favorite app, so you never miss an episode! Click HERE.- I'd be so grateful and honored if you took the time to leave a rating and review.

School supply shopping is a marker of summer winding down and a new year of learning about to begin. For many kids, it is also a chance to express themselves through the stuff they pick out.But many families are concerned about the price of that fresh start. Several years of inflation has pinched budgets, and there is concern that tariffs will drive up prices further. A survey by the National Retail Federation found more families started their shopping early this year because of that worry.For the latest in the Minnesota Now series Professional Help, Minnesota Now producer Alanna Elder talked with Julie Granning, PTO president for Valley View Elementary School in Columbia Heights, as well as Sarah Lancaster, who teaches first grade in Onamia and was named Minnesota Teacher of the Year in 2022.Lancaster noted there are school supply giveaways across the state, including one happening Tuesday at Onamia Public Schools. The blog “Thrifty Minnesota” rounded up a list of other events in the state. And the Little Canada-based organization Kids in Need Foundation also provides supplies to eligible students and teachers.Our ask: Help me shop for school supplies on a budgetOur guests: Julie Granning, PTO president for Valley View Elementary School, and Sarah Lancaster, a first grade teacher in Onamia and 2022 Minnesota Teacher of the Year.

About this episode: Since 2010, the nonprofit ChopChop Family has published magazines, cookbooks, and other tools to help pediatricians and nutrition educators inform families about the positive health outcomes of cooking nutritious foods. But deep cuts to SNAP-Ed, the federally-funded nutrition education program, are placing programs like ChopChop Family in limbo. In this episode: ChopChop Family founder and president Sally Sampson explains how the rapid rollback of SNAP-Ed is crippling nutrition education. Guest: Sally Sampson is a cookbook author and the founder and president of ChopChop Family, a nonprofit publisher of cooking magazines, cookbooks, digital content, cooking curricula, and learning decks for children and families. Host: Dr. Josh Sharfstein is vice dean for public health practice and community engagement at the Johns Hopkins Bloomberg School of Public Health, a faculty member in health policy, a pediatrician, and former secretary of Maryland's Health Department. Show links and related content: Budget cuts knock down a ‘pillar of public health,' ending nutrition education—STAT ChopChop Podcast—Apple Podcasts ChopChop Family Newsletter—Substack Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

This week on the RV Podcast: Pack Your Camper - The Night Sky is calling! There's an amazing meteor show going on up there this week that provides a great excuse to go camping. Budget cutbacks, staff shortages, and visitor pressure are all combining to seriously stress our National Parks this summer. Protests have started. Protecting your property from campground thefts. Real RVers share their solutions. In Mike and Jen's Storytime… when your camping plans don't go as expected, it's time to pivot. All this plus the RV News of the Week and your questions coming up in Episode 559 of the RV Podcast

Snag Our Simplified Budget System!Budget besties — today's conversation is for anyone who feels stuck in the “charge now, figure it out later” cycle. We're sharing a real coaching story about one of our clients who used credit cards for everything in her business and personal life, floating expenses while waiting for cash to come in. Sound familiar?In this episode, we unpack:Why using credit cards feels easier — and why it's actually keeping you stuckHow switching to cash flow completely transformed her business (spoiler: $143K in her account!)Why the “harder way” (paying cash in the moment) leads to better decision-making and growthHow to stop giving your future self problems to solve — and instead create financial peace nowWhat to do if your bank is making budgeting harder than it should be (hint: it's time to break up!)We also get real about outgrowing your current bank, why loyalty doesn't always serve you, and how to find a financial institution that supports your budgeting goals (yes, multiple accounts and debit cards are non-negotiable!).Takeaway:It might feel uncomfortable at first, but cash flowing your life and business puts you back in control — and your future self will thank you for it.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)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.

On this episode of The Dentist Money Show, Matt and Lauren dive into the real reasons budgeting matters—especially for dentists. They explore how personal money experiences shape financial behavior, why so many people avoid looking at their spending, and how social media fuels unrealistic expectations. Tune in to learn some practical steps to track spending, simplify finances, and build a budget that reflects your priorities. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

The Cybersecurity and Infrastructure Security Agency (CISA) is facing significant criticism from state and local officials who feel abandoned due to diminishing federal support for critical cybersecurity programs. Many officials are concerned about their increasing reliance on self-driven initiatives, especially after cuts to the Multi-State Information Sharing and Analysis Center, which has been a crucial source of cybersecurity intelligence for over two decades. A recent survey revealed that a substantial portion of state and local governments lack adequate funding for cybersecurity, with 22% allocating no funds and 42% operating with annual budgets of less than $100,000. This situation raises alarms about the potential for increased vulnerability to cyberattacks, particularly from nation-state actors.In response to the evolving landscape of artificial intelligence, the National Institute of Standards and Technology (NIST) is developing new security guidance aimed at addressing the associated risks. This initiative will clarify how AI interacts with cybersecurity, focusing on securing AI systems, the adversarial use of AI, and leveraging AI to enhance cybersecurity measures. Additionally, a bipartisan bill known as the Validation and Evaluation for Trustworthy Artificial Intelligence Act has been reintroduced in the Senate, aiming to establish guidelines for the responsible development and testing of AI systems. House appropriators are also proposing a significant funding increase for NIST, reflecting a commitment to bolster cybersecurity and innovation.The Federal Risk Management and Authorization Program (FedRAMP) has made strides in streamlining the approval process for government cloud services, achieving a significant reduction in wait times from over a year to approximately five weeks. This shift is part of a broader trend toward more efficient cloud authorization processes, with FedRAMP already approving more than twice as many services in fiscal year 2025 compared to the previous year. This development presents an opportunity for businesses to leverage FedRAMP-authorized stacks for government-related buyers and to build migration strategies accordingly.OpenAI has recently updated its ChatGPT platform, introducing new models and third-party tool connectors while facing scrutiny over the performance and security of its latest model, GPT-5. Despite the introduction of various user-focused options, security assessments have revealed significant vulnerabilities in GPT-5, prompting concerns about its safety and reliability. As companies like ConnectWise implement new credit card surcharges and adjust their workforce in response to market demands, the overarching theme emphasizes the need for operational discipline and strategic planning in navigating the evolving technology landscape. Four things to know today 00:00 Shrinking Cyber Budgets, Emerging AI Rules, and Streamlined FedRAMP Signal Shifts for IT Providers06:43 From Security to SaaS Management, Vendors Roll Out Agentic Features for IT Service Providers10:25 OpenAI Expands GPT-5 Options, Adds Connectors, but Faces Early Security Backlash13:41 ConnectWise Adds Credit Card Surcharges, Trims Staff in Strategic Realignment  Supported by:  https://syncromsp.com/   Tell us about a newsletter!https://bit.ly/biztechnewsletter  All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

We're taking some time to highlight our best Gymsplain Episodes. On this episode Jenny and Kadri are here to talk about traveling on a budget, offering tips and insights beyond credit card points and hacking.  Traveling on a budget doesn't mean sacrificing the richness of your experiences; it's about embracing the idea that there's no wrong way to explore the world. Travel is a highly personal journey that should be tailored to your unique preferences and values. Whether you're an adventure seeker or simply searching for affordable ways to explore, today's discussion will empower you to consider different travel styles, prioritize what truly matters to you, and make every journey memorable.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

C dans l'air du 13 août 2025 - Budget: quand la canicule s'en mêleEmission présentée par Salhia Brakhlia.LES EXPERTS :- Philippe DESSERTINE - Directeur de l'Institut de Haute Finance - Auteur de « L'Horizon des possibles »- Christophe JAKUBYSZYN - Directeur des rédactions – « Les Echos »- Bruno JEUDY - Directeur délégué et éditorialiste - « La Tribune Dimanche »- Caroline MICHEL-AGUIRRE - Grand reporter au service politique - « Le Nouvel Obs »

C dans l'air du 13 août 2025 - Budget: quand la canicule s'en mêleEmission présentée par Salhia Brakhlia.Déjà en difficulté, l'économie française est mise à mal par la canicule, qui coûte cher à l'Etat et aux Français. Soumis à de très fortes chaleurs, les employés du bâtiment ou agricoles travaillent moins et la productivité diminue. Alors que le système de climatisation de nombreux trains risquent de tomber en panne sous l'effet des températures élevées, la SNCF est contrainte d'en supprimer par dizaines. Quand aux centrales nucléaires, certaines se retrouvent forcées de mettre des réacteurs à l'arrêt car les rivières étant trop chaudes, l'eau ne peut être prélevée normalement pour les refroidir.En matière budgétaire, l'Etat commence à être à bout de souffle. Le gouvernement de François Bayrou s'apprête ainsi à prendre des mesures drastiques qui font déjà grincer des dents. Car ce sont en effet plus de 43 milliards d'euros qu'il faudra mobiliser pour boucler le budget de l'année 2026.Suppression de l'abattement de 10% sur les impôts des retraités, suppression de jours feriés, économies sur l'assurance chômage ou encore sur le système hospitalier... Le Premier ministre a multiplié les ballons d'essai. Tous ces arbitrages auront lieu en septembre mais on peut d'ores et déjà s'attendre à un serrage de vis difficile à accepter.Parmi les différentes mesures annoncées par François Bayrou, certaines cristallisent les crispations. C'est notamment le cas de la suppression de deux jours fériés. Le Premier ministre avait cité "comme exemple" le "lundi de Pâques" et le "8-Mai". Une mesure qui doit permettre d'économiser "4,2 milliards" d'euros, selon Matignon.Au sein des entreprises, les avis sont unanimes. Une équipe de C dans l'air a pu le vérifier en se rendant dans une usine qui produit des panneaux de bois. Sur place, il est hors de questions pour les ouvriers de se priver de deux jours de congé. La cadence élevée de la production et l'usure à la tâche rendent nécessaires ces temps d'arrêt où les travailleurs peuvent souffler. C'est selon eux une respiration indispensable pour bien faire leur travail. Auprès d'employés de bureau, l'opinion est la même, comme, d'ailleurs, dans le reste de la population. Selon un récent sondage Elabe pour BFMTV, 75% des Français se disent opposés à cette suppression de deux jours fériés. Plus généralement, 72 % des Français trouvent que le Premier ministre ne "répartit pas équitablement les efforts demandés", selon un sondage de l'Ifop publié en juillet pour LCI.Les Français se plaignent également d'une baisse de la qualité des services publics. C dans l'air a suivi un postier qui effectue sa tournée à l'ancienne. Il regrette de voir son entreprise tenter de faire des économies à tout prix. Il dénonce les services à la personne, payants, mis en place par La Poste, comme le fait de passer un peu de temps avec les personnes âgées et isolées. Ce moment simple était autrefois naturel et gratuit. Lui met un point d'honneur à essayer de passer du temps avec les gens qu'il suit. La disparition de ce lien du quotidien fait selon lui partie des éléments qui nourrissent une colère croissante au sein de la population.Entre le vote du budget et une mobilisation sociale qui s'organise pour septembre, la rentrée politique s'annonce compliquée.Comment trouver les 43 milliards d'euros manquants pour finaliser le bugdet 2026 ? L'effort demandé aux Français est-il équitablement réparti ? Les services publics français sont-ils menacés par les futures restrictions budgétaires ?LES EXPERTS :- Philippe DESSERTINE - Directeur de l'Institut de Haute Finance - Auteur de « L'Horizon des possibles »- Christophe JAKUBYSZYN - Directeur des rédactions – « Les Echos »- Bruno JEUDY - Directeur délégué et éditorialiste - « La Tribune Dimanche »- Caroline MICHEL-AGUIRRE - Grand reporter au service politique - « Le Nouvel Obs »

The Indianapolis Metropolitan Police Department says it will ramp up impaired driving enforcement in the days leading up to Labor Day. Indianapolis teens have a new curfew.  Purdue University in Indianapolis is getting a new student center this fall. Indiana has a leader for its new statewide school safety efforts. Indianapolis Mayor Joe Hogsett is proposing a new $1.7 billion budget for 2026 — the largest to date. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

ALLi Campaigns Manager Matty Dalrymple talks with Michael Pietrobon, founder of Canadian book design and self-publishing company Foglio, about budget-friendly ways to add audio to eBooks without producing full audiobooks. They discuss using sound effects and leitmotifs to enhance stories, technical standards for eBook production, sourcing free audio, AI clean-up, and creating interactive enhanced eBooks. Michael also offers advice on ensuring device compatibility and distribution, while noting that print books should remain a priority for authors. Sponsors This podcast is proudly sponsored by Bookvault. Sell high-quality, print-on-demand books directly to readers worldwide and earn maximum royalties selling directly. Automate fulfillment and create stunning special editions with BookvaultBespoke. Visit Bookvault.app today for an instant quote. This podcast is also sponsored by Gatekeeper Press, the all-inclusive Gold Standard in Publishing, offering authors 100% rights, royalties, satisfaction and worldwide distribution. Gatekeeper Press, Where Authors are Family. About the Host Matty Dalrymple podcasts, writes, speaks, and consults on the writing craft and the publishing voyage as The Indy Author. She has written books on the business of short fiction and podcasting for authors, and her articles have appeared in Writer's Digest magazine. She serves as the campaigns manager for the Alliance of Independent Authors. Matty is also the author of the Lizzy Ballard Thrillers, beginning with Rock Paper Scissors; the Ann Kinnear Suspense Novels, beginning with The Sense of Death; and the Ann Kinnear Suspense Shorts, including Close These Eyes. She is a member of International Thriller Writers and Sisters in Crime. About the Guest Michael Pietrobon is the founder of Foglio, a Canadian company specializing in high-quality book design and self-publishing services. With more than a decade of experience in typesetting, cover design, and eBook formatting, Michael helps authors bring their books to life—professionally and on their own terms. He works with writers across genres to create print-ready and digital books that meet both creative and industry standards. He is especially passionate about innovations in publishing, including interactive eBooks and audiobook design, and believes independent authors deserve the same design quality and distribution reach as traditional publishers. Michael can be found at foglioprint.com, LinkedIn, Instagram, and Facebook.

In this special episode of "Innovate That," recorded at the Global Entrepreneurship Congress, host Jennifer McGrail spotlights Oklahoma's vibrant innovation scene. Joined by Wade from Gradient and Kristin Garcia, they discuss groundbreaking startups such as Cube Nexus and Apricot Health AI, which are revolutionizing spatial data and healthcare. The conversation also honors pioneering founders, including those behind You Need A Budget and Next Thought. Together, they challenge misconceptions about Oklahoma, highlighting the state's supportive, humble, and rapidly growing entrepreneurial ecosystem, making an impact locally and globally. Timestamps: Introduction and Oklahoma Innovation Misconceptions (00:00:00) The hosts introduce themselves, the podcast, and discuss the misconception that Oklahoma lacks innovation. Founder-First Philosophy and Unique Oklahoma Founders (00:01:04) Discussion of Brad Feld's “founder first” approach and a prompt to highlight unique Oklahoma founders. Cube Nexus: Organizing Spatial Data (00:01:34) Wade introduces Cube Nexus, a company that organizes spatial data for better decision-making. AR/VR and Spatial Data Applications (00:03:01) Kristen discusses the importance of spatial data in AR/VR and how Cube Nexus addresses integration challenges. Startup World Cup Regional and Apricot Eye (00:03:31) Kristen highlights Gradient hosting the Startup World Cup and introduces Apricot Eye, an AI-driven healthcare startup. Apricot Eye's Impact on Home Hospice Care (00:03:56) Details on Apricot Eye's AI solution for home hospice, improving nurse efficiency and patient care. Ecosystem Collaboration and Talent Development (00:06:10) Kristen describes collaboration in the Oklahoma startup ecosystem and talent development through programs like OK Coders. Encouragement to Explore More Oklahoma Startups (00:06:41) Jennifer encourages listeners to explore more Oklahoma startups via the Innovate That podcast. Highlighting OG Oklahoma Startups: You Need a Budget (00:07:10) Wade discusses “You Need a Budget” (YNAB), an Oklahoma-based remote-first company with a large following. YNAB's Growth and Remote Work Culture (00:08:13) Further details on YNAB's growth, remote work history, and its supportive community at Gradient. Oklahoma's Humble OGs and Ken Parker (00:09:39) Kristen highlights Ken Parker, founder of Next Thought, as an influential but humble Oklahoma tech leader. Ken Parker's Community Engagement and AI in Education (00:10:10) Details on Ken Parker's work in AI for education and his deep community involvement. Oklahoma Humility and Closing Remarks (00:11:27) Reflection on Oklahoma's humble culture and encouragement to discover more local startup stories.

A quick look at Nebraska's budget by sport.

Boss Hogsett rolls out his budget for Indianapolis tonight, being told it’s $1.7 billion. So we asked AI Hogsett what the plan was. See omnystudio.com/listener for privacy information.

The Budget tier of FPL players are what dreams are made of. Stackings ifs and telling each other stories is why we're a Fantasy Premier League podcast and it's a big part of the fun of the game. Shadows are meant to be chased. Let's go together. Chapters: 00:00:00 Budget FPL Gems 2025: Kicking Off the Bargain Hunt 00:02:21 Cheap Forwards: Risky Bets and Hidden Value 00:33:28 Affordable Mids: Attacking Upside and DefCon Merchants 01:24:34 Budget Defenders: It Ain't Much but It's Honest Work 02:06:01 Wrap-Up and Ass Slaps and a Big Week Ahead FML FPL is a Fantasy Premier League podcast hosted by Alon and Walsh, two veteran FPL managers riding the weekly highs and lows. Expect brutally honest reactions, fantasy football advice you probably shouldn't follow, and full Gameweek therapy. Join the Prize League / Mug League (Patreon subscribers only): https://www.patreon.com/posts/fml-fpl-patreon-134963388 All Other Links: https://linktr.ee/fmlfpl #FPL #FantasyPremierLeague #FPLPodcast #FantasyFootball Learn more about your ad choices. Visit podcastchoices.com/adchoices

Comedian and former pro wrestler Denise Winkelman spoke with WrestleZone's Ella Jay about her debut comedy special titled 'Bougie on a Budget,' her work as mad scientist Dr. Melvin Winkelman in the 2000s independent wrestling scene, friendship with Karl Anderson, seeing the early work and rise of Jon Moxley, embracing one's "hussy power," transitioning from wrestling to comedy, her personal fashion style, praise for WWE Women's IC Champion Becky Lynch, and much more.

Is Nebraska's funding of volleyball hurting the football team? It's a bold question from Connor and we ask how many schools will max out the football budget at the cost of everything else.

Federal agencies will now have access to Anthropic's Claude model for $1, the General Services Administration announced Tuesday, continuing the agency's push for artificial intelligence products across government. Under the OneGov deal, all three branches of government will be able to use Anthropic's Claude for Enterprise and Claude for Government for a nominal $1 fee. Approval for members of Congress and the judiciary is pending, the GSA noted. It is the latest in a series of deals between private AI firms and the federal government to increase the use of automation in agency workflows and boost workers' productivity and efficiency. Anthropic said in a release Tuesday: “We believe the U.S. public sector should have access to the most advanced AI capabilities to tackle complex challenges, from scientific research to constituent services. By combining broad accessibility with uncompromising security standards, we're helping ensure AI serves the public interest.” Anthropic's Claude for Government models have FedRAMP High certification and can be used by federal workers dealing with “sensitive unclassified work,” while Claude for Enterprise models have expanded features for data protection, Anthropic said. Anthropic said it will also offer technical support for agencies to implement its products into workflows. The Federal Risk Management and Authorization Program has already approved more than twice as many government cloud services in fiscal year 2025 as all of fiscal 2024, the General Services Administration announced Monday. FedRAMP reached 114 authorizations in July for fiscal 2025, along with four new cloud services through the FedRAMP 20x revamp program, according to a GSA statement. In fiscal 2024, FedRAMP authorized 49 cloud service providers, according to a GSA spokesperson. The reform program, unveiled in March, is focused on simplifying the authorization process and shaving the approval timeline from months to weeks. Eventually, agency sponsorship will no longer be needed to win authorization, a process that is often expensive and time-consuming. The new numbers come just over a year since the Office of Management and Budget published a memo calling for the modernization of the cloud authorization process. GSA said FedRAMP had a “significant backlog” at the time of the memo, with authorizations taking more than a year. A year later, FedRAMP's increased use of automation and streamlined workflows cut the wait time to about five weeks, the GSA said.

Curious if running ads is right for your law firm? In this episode of the Wildly Successful Law Firm podcast, Nermin Jasani demystifies legal advertising—from Facebook and Instagram to Google PPC, YouTube, TikTok, TV, and radio. She breaks down what works (and what doesn't) for different types of law, why ad success is about more than just spending money, and how to set yourself up for real results. Whether you're new to ads or rethinking your current approach, Nermin shares actionable advice on tracking results, following up with leads, and choosing the strategy that actually makes sense for your practice.Key Takeaways:There are many advertising platforms, but not all are suitable for every legal practice area.High-volume practices like personal injury can benefit from TV and radio ads, but they require significant investment and robust intake systems.Social media ads (Facebook, Instagram) can work for family, estate, or bankruptcy law but need ongoing nurturing—expect a longer conversion timeline for “cold” leads.TikTok and YouTube are best for lawyers with established online presences; TikTok is good for brand awareness, not big-ticket services.Google Pay-Per-Click (PPC) can get expensive quickly and doesn't guarantee client conversion.The success of any ad campaign depends on having solid systems to track leads and follow up effectively.Always track where your leads come from and calculate your return on ad spend to guide future decisions.Be cautious with marketing agencies—ensure they deliver on their tracking and reporting promises.Set a clear ad budget and specific goals before launching any campaign, and be ready to pivot if you're not seeing results.If you're not ready for ads, focus on lead magnets, nurturing emails, and tightening your internal processes to improve conversions.

  As has so often been the case with a legislature that refuses to work and negotiate in good faith, North Carolina Gov. Josh Stein had little choice last week but to sign the so-called mini-budget that state lawmakers approved a few days earlier. With the new fiscal year already well-underway and numerous vital public […]

“Avatar is not anime, but it has an anime aesthetic.” SummaryIn this conversation, Ed has special guest from Powerhouse Animation Studios director Danny Araya. Danny has worked on animation such as Castlevania, The Legend of Aang: The Last Air Bender and Pantheon plus many more. They delve into the intricacies of animation production, discussing the significant role of budget in determining the quality of animated series. They explore the cultural debate surrounding the definition of anime, particularly in relation to Western productions like Avatar the Last Airbender.  Danny shares his experiences working on the untitled Avatar movie and the innovative storytelling in Pantheon, highlighting a shift in Western animation towards more adult themes. The discussion also touches on the evolution of art styles in Western animation, the impact of 90s anime on contemporary creators, and current trends in the anime landscape. They conclude by reflecting on the emotional connections that great anime can evoke, emphasizing the importance of storytelling and artistic expression in the medium.  Discussion PointsThe Role of Budget in Animation ProductionThe Value of Unlimited Budgets in AnimationThe Debate: Is Avatar an Anime?Behind the Scenes of The Legend of Aang: The Last AirbenderExploring Pantheon: A New Era in AnimationThe Evolution of Anime and Personal FavouritesInfluences of Anime on Directorial StyleNostalgic Anime and Current FavouritesEmotional Connections to Modern AnimeArt Styles and Animation TechniquesThe Challenge of Finding Enjoyable ContentIf you enjoy the podcast, please don't forget to FOLLOW, RATE and REVIEW the show (it takes less than 30 seconds) Please do also share with anyone you fill will enjoy the show. Also, to keep conversation going were super keen to hear your thoughts, questions and opinions on the show's discussion points, so please do drop us a voice note on our website www.suuuperanimepodcast.com or email at www.suuuperanimepodcast.com/contact  Social media links Instagram: SuuuperanimepodcastTikTok: SuuuperanimepodcastTwitter: @SuuuperanimeFacebook: SuuuperAnimePodcast You Tube: SuuuperAnimeDiscord: https://discord.gg/suuuperlightsassembleSupport the show

Fluent Fiction - Hungarian: Budget-Friendly Souvenirs: A Traveler's Hidden Gem in Budapest Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2025-08-12-22-34-02-hu Story Transcript:Hu: Bence izgatottan sétált végig a Budapest Ferenc Liszt Nemzetközi Repülőtér folyosóin.En: Bence walked excitedly through the corridors of the Budapest Ferenc Liszt Nemzetközi Repülőtér.Hu: Most ért haza egy csodálatos nyári vakációról, de még egy feladata volt: megtalálni a tökéletes ajándékokat a családjának.En: He had just returned from a wonderful summer vacation, but he still had one more task to complete: finding the perfect gifts for his family.Hu: A repülőtér zsúfolt volt.En: The airport was bustling.Hu: Színes sorok, tele ajándékboltokkal, hagyományos magyar babákkal és paprika konzervekkel vonzották a turisták figyelmét.En: Colorful rows filled with gift shops, traditional Hungarian dolls, and paprika cans captured the attention of tourists.Hu: Erzsébet, a kis bolt tulajdonosa, barátságosan mosolygott Bencére, miközben az ajándéktárgyak között nézelődött.En: Erzsébet, the owner of a little shop, smiled warmly at Bence as he browsed through the souvenirs.Hu: Bence gondosan forgatta a tárgyakat, de minduntalan a szoros költségvetése járt az eszében.En: Bence carefully examined the items, but his tight budget was constantly on his mind.Hu: Egy nagyobb költségvetésből mindent megvehetett volna, de most választania kellett: egy drága, egyedi emléktárgy vagy több kisebb, bár kevésbé különleges ajándék.En: With a larger budget, he could have bought everything, but now he had to choose: a pricey, unique souvenir or several smaller, albeit less special gifts.Hu: Eközben Katalin, egy másik vásárló, mellette válogatott.En: Meanwhile, Katalin, another shopper, was browsing next to him.Hu: Katalin azt ajánlotta Bencének, hogy nézzen körül egy kis kézműves boltban, amelyet az egyik eldugott sarokban talált.En: Katalin suggested to Bence that he check out a small craft shop she found in one of the hidden corners.Hu: Bence megköszönte a tippet és elindult az irányba.En: Bence thanked her for the tip and headed in that direction.Hu: A bolt aprócska volt, de tele volt kézzel készített magyar mesterművekkel.En: The shop was tiny, but it was filled with handmade Hungarian masterpieces.Hu: Gyönyörű kerámiák, különleges bőrből készült tárgyak és autentikus kalocsai terítők sorakoztak a polcokon.En: Beautiful ceramics, unique leather items, and authentic kalocsai table linens were lined up on the shelves.Hu: A legjobb része az volt, hogy minden kedvezményes áron volt kapható.En: The best part was that everything was available at discounted prices.Hu: Bence szeme felcsillant.En: Bence's eyes lit up.Hu: A kedvezmények miatt megengedhette magának, hogy minden családtagnak valami egyedit vegyen.En: Thanks to the discounts, he could afford to buy something unique for each family member.Hu: Anyukájának egy gyönyörű hímzett terítőt választott; apukájának egy bőrpénztárcát; és nővérének, aki szerette a különleges ékszereket, egy gyöngyfülbevalót vett.En: He chose a gorgeous embroidered tablecloth for his mother; a leather wallet for his father; and for his sister, who loved special jewelry, he picked a pair of pearl earrings.Hu: Ahogy a pénztárhoz lépett, boldogan mosolygott.En: As he approached the checkout, he smiled happily.Hu: Erzsébet megdicsérte a választásait, és Bence elégedetten nézett rá vissza.En: Erzsébet complimented his choices, and Bence looked back at her with satisfaction.Hu: Rájött, hogy olykor a kevésbé feltűnő helyeken lehet a legértékesebb kincseket felfedezni.En: He realized that sometimes the most valuable treasures can be found in less obvious places.Hu: Sikerült minden családtagjának különleges ajándékot vennie úgy, hogy a költségvetésébe is belefértek.En: He managed to buy special gifts for each family member while staying within his budget.Hu: Bence búcsút intett Erzsébetnek és Katalinnak, majd elindult a kapu irányába.En: Bence waved goodbye to Erzsébet and Katalin, then headed toward the gate.Hu: Most már nyugodtan várhatta a hazaútját, tudva, hogy igazán különleges emlékeket visz haza szeretteinek.En: Now he could calmly await his journey home, knowing he was bringing truly special memories back to his loved ones. Vocabulary Words:excitedly: izgatottancorridors: folyosóinbustling: zsúfoltcaptured: vonzottákexamined: forgattabudget: költségvetésealbeit: bársuggested: ajánlottabrowse: nézzen körülsouvenirs: ajándéktárgyakhidden: eldugottcorners: sarkokbanmasterpieces: mesterművekkelceramics: kerámiákauthentic: autentikuslinens: terítőkdiscounted: kedvezményesgorgeous: gyönyörűembroidered: hímzettwallet: bőrpénztárcátjewelry: ékszereketcomplimented: megdicsértesatisfaction: elégedettenrealized: rájötttreasures: kincseketawait: várhattamemories: emlékeketsmiled: mosolygotttask: feladataafford: megengedhette

Understand how to assess when financial advisor fees are worth it and how to rethink personal finance rules that don't serve you. What are the different financial advisor fees, and how can you decide if they're worth it? Do you need to follow traditional budgeting and debt payoff rules to be financially successful? Hosts Sean Pyles and Elizabeth Ayoola answer a listener's question about how to navigate financial advisor fees. But first, personal finance Nerd Kim Palmer joins the show to share her conversation with Dana Miranda, author of You Don't Need a Budget, about why certain traditional budgeting frameworks may not be the right fit for everyone. Dana offers tips on experimenting with spending plans, prioritizing comfort over rigid rules, and how to reframe emergency funds as tools for opportunity, not just crisis. Then, Sean and Elizabeth welcome James Bashall, financial advisor at NerdWallet Wealth Partners, to answer a listener's question about financial advisor fees, from AUM-based and fixed-fee models to fiduciary vs. suitability standards. They explain what high and low fees look like, what credentials to look for in an advisor, and when paying a premium might actually bring peace of mind (or not). Take the Smart Money Podcast Listener Survey 2025 and enter to win a prize! https://nerdwallet.com/podsurvey  NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: financial advisor fees, when are financial advisor fees worth it, fiduciary vs suitability standard, how much does a financial advisor cost, AUM fee structure, fee-based vs fee-only advisors, how to hire a financial advisor, certified financial planner vs financial advisor, financial advisor credentials CFP, what is a fiduciary, what is AUM, robo advisor vs human advisor, average financial advisor fee, high financial advisor fees, passive vs active investing, index funds vs mutual funds, how to choose a financial advisor, budgeting rules that don't work, 50/30/20 budget rule, Dana Miranda budget book, alternative to emergency fund, comfort fund vs emergency fund, financial triage, how to compare financial advisors, intuitive spending, what is intuitive spending, understanding investment fees, best financial advisor structure, how to spot hidden advisor fees, shopping for a financial advisor, emotional benefits of financial planning, and pros and cons of robo advisors. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is presented by Create A Video – AP Dillon joins me to discuss North Carolina Josh Stein's veto of a federal tax credit for school choice, passage of a state "mini-budget," and how Democrats are threatening to primary fellow Democrats for disagreeing over ICE enforcement. Dillon is a reporter for the North State Journal. She also publishes a Substack.com newsletter called More To The Story. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: If you choose to subscribe, get 15% off here! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com Get exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

Have you ever used your giving to steer decisions or send a message?It might seem harmless—or even wise—to designate your gift to specific ministries or withhold it when you disagree with leadership. But when our generosity becomes a tool for control, we've crossed a line. In this episode, we'll explore the subtle danger of using giving as leverage—and discover a better way rooted in surrender and trust.A Hidden Temptation in Church GivingLet's be honest—no one likes the word control when it's pointed at them. But in church life, this temptation surfaces more often than we'd like to admit.It might look like this:Giving only to certain ministries because you don't trust how the church allocates general funds.Withholding your giving when a leadership decision—like a staffing change or budget shift—doesn't sit well with you.Designating gifts to specific areas, not out of passion, but as a form of protest.On the surface, it may look like good financial stewardship. But beneath the surface, it's often an attempt to say, “I want things to go my way, and I'll use my money to make that happen.”That's not generosity. That's leverage. And Scripture warns us against it.The Corban Example: A Heart Check from JesusIn Mark 7, Jesus confronts the Pharisees for misusing a practice called Corban—a method of dedicating money or resources to God. While it sounded spiritual, the religious leaders were using it to dodge their responsibility to care for aging parents.As GotQuestions.org explains:“The Pharisees took a legitimate Corban offering and used it in an illegitimate and devious way to defraud their parents…Jesus tells the Pharisees that their misuse of Corban was an evil rationale to avoid doing what they should.”It wasn't the gift itself that Jesus condemned—it was the motive behind it.In the same way, when we give to maintain control or push our preferences, we're following the spirit of Corban. Even if our reasons sound righteous, they can mask a deeper issue: an unwillingness to surrender.From Leverage to Surrender: The Biblical CallThe Bible offers a better vision.Psalm 24:1 reminds us,“The earth is the Lord's, and everything in it.”That includes our finances. We don't give to direct the church. We give because God owns it all—and calls us to steward it faithfully.Consider the example in Acts 4. Believers sold land and possessions, then laid the proceeds at the apostles' feet. No strings attached. No demands were made about how it was to be used. Just trust, unity, and wholehearted surrender.Of course, that doesn't mean churches shouldn't be transparent or held accountable. Scripture calls leaders to wise and faithful stewardship. But giving with strings isn't about accountability—it's about control. And control is the opposite of trust.What's Driving Your Generosity?Ask yourself: What's driving my giving?Is it love for God?Faith in His provision?Worship and gratitude?Or is it something else?Preference?Power?Payback?When giving becomes conditional, it's no longer cheerful—it's contractual. We treat God's work like a business deal instead of a spiritual act of worship.But when we let go of control, something beautiful happens: we find peace. We no longer feel the pressure to manage every church decision. We can give freely, knowing God is at work—even when His ways don't align with our expectations.Moving Forward in Trust and GraceIf you realize that control has been influencing your giving, here are three steps to take:1. Confess it to the Lord. God is gracious and patient. Ask Him to realign your heart with His and help you give from a place of surrender.2. Release your preferences. You don't have to stop asking questions or seeking transparency. But your generosity shouldn't be tied to your personal comfort or preferences.3. Give with trust. Trust God's ability to work through imperfect people. Trust that when you give with the right heart, your gift brings Him glory.Because when we give to control, we place ourselves at the center. But when we give in faith, we put God at the center—where He belongs.A Resource for the JourneyWant to go deeper into the heart behind generosity? Request a copy of Faithful Steward, our quarterly magazine for FaithFi Partners. With a gift of $35/month or $400 annually, you'll receive this encouraging resource and join a growing community committed to biblical financial wisdom.Learn more at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:My husband's adult son often asks us for money. He and his wife are behind on their bills, but we know they also spend on partying and things like marijuana. My husband feels emotionally pulled in, especially when his son talks about possibly losing their home. We want to be generous, but we don't want to enable irresponsible behavior. How can we approach this situation in a way that's wise and biblical?I'd like to assign someone as my power of attorney, but I don't have any family members I trust to take on that role. What options do I have in this situation?Is it wise to purchase life insurance for your children or grandchildren? What are the pros and cons?I'm thinking about getting a reverse mortgage to create some extra income. Can you explain how they work, and whether they're a good idea? I'd also like to know what risks or downsides I should be aware of.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom 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.

Hello! This is Episode 367, and in it, I’m speaking with HOME Method members, Jan and Landon, about their new home and granny flat that they’re building as a Passive House in Sydney’s north. Jan and Landon have specific goals for their project. They’re both in their 70s, so they’re considering how they can age in place well, as well as create a home that’s in alignment with their sustainability and lifestyle goals. [For all resources mentioned in this podcast and a free, downloadable PDF transcript, head to www.undercoverarchitect.com/367] Jan and Landon were first on the podcast back in Episodes 338 and 339, where we learned about them selling their home of 39 years, to move to a different part of Sydney, and to a site that’s been in Landon’s family for over 70 years. They’re retired teachers so they’re amazing learners and have really embraced their project preparation and management with a fantastic, proactive methodology using the content of HOME Method. This is their first project of this scale, and it’s incredibly exciting they’ve moved to the house on the neighbouring lot to where they are building, and work has started on site for their project. The last time we caught up, we discussed how they found their team, and how they set up a collaborative process with their architect and builder, and got going on their design process. We discussed the priorities for their design, and the qualities of the site, and we also talked about how their builder uses a particular pre-fab panel method to construct a passive house. If you haven’t heard the first part of Jan and Landon’s project journey in those episodes, I’d highly recommend checking them out. You can find them at www.undercoverarchitect.com/338 and www.undercoverarchtiect.com/339. In this episode, we catch up on how they’ve travelled with their design, their budget, and how the collaboration has continued on their project. You’ll get to hear how their team has worked together, what their role has been, and what’s surprised and what’s challenged them along the way. It’s a fantastic opportunity to hear about their project progress as we go into all the details in this update. Remember, if you’d like to grab a full transcript of this episode, you can find that by heading to www.undercoverarchitect.com/367. Now, let’s dive in! RESOURCES MENTIONED IN THIS PODCAST: For links, images and resources mentioned in this podcast, head to >>> www.undercoverarchitect.com/367 Accessing my free '44 Ways' E-Book will simplify sustainability and help you create a healthy, low tox and sustainable home. You can download your free copy here >>> https://undercoverarchitect.com/ways Access the support and guidance you need to be confident and empowered when designing, renovating or building your future home inside my signature online program, HOME Method >>> https://undercoverarchitect.com/courses/the-home-method/ Just a reminder: All content on this podcast is provided by Undercover Architect for reference purposes and as general guidance. It does not take into account specific circumstances and should not be relied on in that way. You should seek independent verification or advice before relying on this content in any circumstances, including but not limited to circumstances where loss or damage may result. The views and opinions of any guests on the podcast are solely their own. They may not reflect the views of Undercover Architect. Undercover Architect endeavours to publish content that is accurate at the time it is published, but does not accept responsibility for content that may or has become inaccurate over time.See omnystudio.com/listener for privacy information.

En este episodio de Café on a Budget, te llevamos de la mano por las acciones clave que toda persona debería tomar antes de cumplir 40 años para construir estabilidad y libertad financiera. Desde cómo estructurar tus deudas y ahorrar estratégicamente, hasta invertir con propósito y proteger tus activos, este episodio es una guía práctica y directa para que no llegues a la mitad de tu vida con la mitad de tus sueños sin cumplir.☕ Hablamos de:Cómo crear un plan financiero claro y alcanzable.Las prioridades que debes establecer en tus inversiones y ahorros.Por qué el seguro es parte esencial de tu estrategia.Hábitos que te permitirán mantener el control de tu dinero y tu futuro.Un episodio para escucharlo con libreta en mano y comenzar a implementar cambios hoy mismo. Enlaces: ☕ ¿Listo/a para convertirte en la persona que maneja sus finanzas con poder? Separa tu llamada gratis de 15 minutos con nosotros y descubre tu próximo paso.https://calendly.com/coab/consulta-de-15-mins-con-coab COMUNIDAD ABIERTA: Se abre la Comunidad de COAB para recibir nuevos miembros con el precio mas bajo ever!! Ven y forma parte del BOOKCLUB de la Psicología del Dinero que comienza en Septiembre. Oferta por tiempo LIMITADO.https://www.cafeonabudget.com/offers/5vUfnWJd/checkout?coupon_code=BOOKCLUB ❤️ GUÍA GRATIS: 5 Money Dates para conectar con tu pareja https://www.cafeonabudget.com/moneydate ☕7 SIMPLES PASOS PARA EL SALDO DE DEUDAS: Descarga nuestra guía gratis de saldo de deudas con los 7 pasos para saldar tus deudas de alto interés en 2 años o menos...https://www.cafeonabudget.com/deudas Síguenos en nuestras Redes Sociales:InstagramFacebookTikTokYouTube

It's that time of year again—new routines, new backpacks… and a lot of new expenses.In this episode of the Money Mom Podcast, I'm diving into the real-life budget struggles moms face during back-to-school season and giving you practical ways to take the stress (and overspending) out of the equation. From school supplies and clothes to groceries and lunchbox prep, we're covering it all.You'll learn:When not to buy school supplies (trust me on this one)How to save BIG on back-to-school clothes (without sacrificing style)What to pack in your kids' lunches to save money and keep them fullSmart ways to stay out of Target and still feel organizedWhether you homeschool or send your kids off on the bus, these tips will help you feel more prepared, more peaceful, and way more in control of your money this month.

This week, Austin City Council will adopt next year's budget, and all signs are pointing towards a tax rate election. Sales taxes aren't what they used to be, federal cuts have hit the city's bottom line, and employment costs continue to rise, all contributing to the $33.4 million deficit that isn't going away anytime soon. Host Nikki DaVaughn is joined by Amy Stansbury of The Austin Common to get into the three things that every Austinite should know about how the city plans to spend your money.  We're doing our annual survey to learn more about our listeners. We'd be grateful if you took the survey at citycast.fm/survey—it's only 7 minutes long. You'll be doing us a big favor. Plus, anyone who takes the survey will be eligible to win a $250 Visa gift card–and City Cast Austin swag. Learn more about the sponsors of this August 11th episode: Visit Port Aransas LBJ Presidential Library Zach Theatre The Texas Tribune Festival Want some more Austin news? Then make sure to sign up for our Hey Austin newsletter.  Follow us @citycastaustin You can also text us or leave a voicemail.  Interested in advertising with City Cast? Find more info HERE 

On this episode of Kirk and Marianne we are joined by Wendi Townsend!!! Tune in to hear Marianne and Wendi talk about the first things that need to go if we're cutting it close on the budget. What's expendable? One way to find out. Hit play!

It's been 16 years since the federal government raised the national minimum wage – a fact that continues to worsen the nation's soaring income inequality. Interestingly, in recent months, rather than proposing to make the minimum wage a living wage, some politicians – including President Trump – have championed the idea of ending taxes on […]

In this final episode of Season 5, and the last chapter of our mini-series on diversity, equity and inclusion in wine, Janina sits down with the incredible Aidy Smith – award-winning broadcaster, content creator, drinks educator and the only global TV host living with Tourette's Syndrome. He's also the founder of Drinklusive and a powerful advocate for representation, empathy, and accessibility in the wine world. Aidy brings his signature energy and honesty to this conversation, sharing his path into wine and the moments that shaped his mission. From supermarket favourites and wine hacks to wineries doing amazing work in inclusion – this episode is heartfelt, informative and a perfect way to close the season. You'll also discover: [03:32] – Aidy's first step into the drinks world (in a crumpled suit and a glass of Napa Cabernet!) [06:26] – Link back to Episode 46 and his love for California wine [07:46] – How Tourette's, ADHD and being openly gay shaped his career in wine [14:45] – Why good intentions and asking questions are key to progress [17:28] – The most under the radar wine region: Patagonia, Argentina [21:00] – Bodega Otronia and its icy anti-frost system and Bodega Chacra and their Pinot and Chardonnays [22:39] – Beginner-friendly supermarket recommendation: Diablo Dark Red £9 with nectar Sainsburys [24:27] – How to expand your palate with Kadette Cape blend by Kanonkop (South Africa) £13.50 Sainsburys [26:22] – The importance of transparency on winery websites [29:06] – Favourite hot weather wine: white wines from Plaimont, Southwest France [30:24] – Wine hack: always pack a corkscrew in your toiletries bag [31:11] – What is Drinklusive and how it empowers new voices in wine [39:17] – Advice for wineries wanting to be more inclusive [43:57] – Janina's shoutout to Michel Chapoutier (First producer to put Braille on labels) and tasting their Saint-Péray £20 mix 6 Majestic [44:47] – Champagne Telmont, sustainability and inclusivity focus [49:17] – Final reflections: what Aidy has learned and what still needs to change Follow Aidy on Instagram

Hey friend! Are you looking for an extra $20, $50, $100, etc. in your budget, for food, rent, or for something fun? I have 5 quick tips about how to find extra funds that you already have hidden in your budget, plus a BONUS suggestion on how to basically get paid for doing things in your everyday life (listen to the end to find out how!). You can truly find and earn extra money for EVERY facet of your life!! Additionally, do you want me to find you up to $30,000 in scholarship opportunities for you to apply for? I can guarantee that these would be scholarships that you specifically qualify for! Curious? Plan a Scholarship Strategy Session with me to learn more --> calendly.com/moneyandmentalpeace  LET'S GOOOOOOOOOOOOOO!!! Grab your cold brew and TI-89, because class is now in session! Related Episodes: 78 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week 172 - 3 Ways to Search and Find the Scholarships Specific To You on Apple Podcasts 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here... on Apple Podcasts P.S. Join me on... Facebook → Christian College Girl Community Instagram → @moneyandmentalpeace Email → info@moneyandmentalpeace.com **Get Scholarships & Pay For College Without Student Loans** Do you want guidance on where to go and what to study… wonder if you should change majors? Do you find yourself up late at night searching for scholarships, and ways to pay for college without parental help? Do you wake up worried about everything, and just want to make sure you're following God's plan for your life? In this podcast for Christian college girls, you will learn to find GOD'S path for your college journey, and graduate with no loans or debt! I get it! It is so tough doing things the world‘s way, when everybody else is doing life without God and in their own strength, making poor choices, and taking out loans. So, if you're ready to stop dreading making decisions, and find EASY solutions to help you pay for college while following His path for your life, this podcast is for you! Hey there! I'm Kara Walker, a twenty-something entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. In college, I too was a stressed college student, looking for money and mental peace. I wondered if there were other ways to pay for college besides loans, and wished for clear direction on how to make college and career decisions! Not only was I worried about drowning in debt, but also afraid I hadn't heard Jesus correctly. Was I studying the wrong thing? Was I completely off track? I felt semi-out of control and was spiraling, until I learned how to hear from God and follow His direction. He guided me and gave me the stepping stones to pay for college.  Scholarships, grants, testing out of classes, and other weird school hacks got me through debt-free! And, I'm here to teach you HOW to do this, too. If you are ready to find answers about your future, have an intimate and fruitful relationship with Jesus, and have enough money to KILL it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace. Topics mentioned in this episode: scholarships, grants, search, references, recommendation, testimonial, credentials, essay, thesis statement, scholarship essay, college essay, apply, scholarship application, scholarship deadlines, due dates, bursary, endowment, education award, database, Find God's Path for College, Graduate Loan and Debt-Free, Scholarships, Budget Tips, Goals, Jobs for College Students, Time Management, find money, budget tips, get money playing games, get money with surveys, make extra money home, get money watching videos, make extra money at home, make extra money easy, find money lost, tips on budget, make extra money on the side

Tonight, it's looking more and more like an authoritarian state. The American President threatens to use the National Guard to seize control of Washington D.C. as his immigration police try to swell their ranks. Then, new scrutiny of the secret meeting to respond to the Epstein files. And the Texas Democrats standing up to Trump's latest power grab.Guests: Ben Rhodes, Harry Litman, TX State Rep. Ana-Maria Rodriguez Ramos, TX State Rep. Trey Martinez Fischer, Rep. Pramila Jayapal To listen to this show and other MSNBC podcasts without ads, sign up for MSNBC Premium on Apple Podcasts. Want more of Chris? Download and subscribe to his podcast, “Why Is This Happening? The Chris Hayes podcast” wherever you get your podcasts.

The clock is running out for Chicago Public Schools to solve its $734 million problem, as the district has until Aug. 13 to release a public budget proposal. Axios Chicago's Carrie Shepherd and The Triibe's Corli Jay are here discussing the available, yet not so popular, finance options CPS is mulling over. Plus, investment in the Pullman community is seeing real returns, Uptown's Weiss Memorial Hospital could shut down this weekend, and the Bears preseason kicks off Sunday. Good News:  Chicago Palestine Film Festival's “Art Under Occupation”, Dorian Sylvain's “Raised In It”, Chicago Shakespeare Theater's “Billie Jean”  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 Aug. 8 episode: Paramount Theatre Overlook Maps Window Nation Chicago Association of Realtors Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Podcast Notes - Jesus Image Church Construction Discussion Episode Overview Jake and Matt discuss Jesus Image Church's impressive $44 million building project in Orlando, featuring traditional Gothic-inspired architecture and innovative tilt-up construction techniques. Key Discussion Points Traditional Church Architecture Revival Jesus Image Church building actually looks like a church (rare in modern construction) Gothic architecture elements with arched windows Stone facade reminiscent of historical church construction Departure from typical strip mall/warehouse church designs Tilt-Up Construction Technique Industrial/commercial construction method adapted for church use Process: Pour concrete walls as slabs on ground → Frame windows/openings → Let cure → Use cranes to tilt walls into position Much faster than traditional masonry (decades vs. weeks) Requires expensive crane equipment but overall more efficient than historical cathedral construction Project Scale & Phasing Phase 1: $28.6 million, 56,000 square feet Phase 2: Additional $16 million expansion Total Investment: $44+ million Smart phased approach allows use of Phase 1 while planning/fundraising for Phase 2 Simpler sanctuary design in Phase 1, enhanced sanctuary in Phase 2 Jesus Image Church Context Known for charismatic, powerful ministry style Innovative in ministry approach, now extending to architecture Multiple ministries: worship, ministry school, prayer ministry Heavy building usage beyond Sunday services justifies investment Architecture Philosophy Discussion Modern churches often designed for easy conversion (school, gym, commercial use) Jesus Image building will "never be anything but a church" Debate: Cost-effectiveness vs. purpose-built sacred spaces Traditional approach: building took centuries, but created lasting landmarks Architecture's role in facilitating impactful worship experiences Budget Reality Check $44 million not accessible to most churches Equipment costs (cranes) vs. long-term construction savings Question of whether traditional design is worth the premium cost Comparison to strip mall churches and pragmatic building approaches Ministry Integration Building supports multiple ministry functions Architecture chosen to complement their charismatic worship style Investment in excellence across all ministry aspects Physical space designed to enhance spiritual encounters Quotes & Notable Moments Jake: "It's almost got like a gothic architecture look to it with those arched windows." Matt: "They're not building a lot of our modern church buildings. If the church closed, the building would be quickly taken up by someone else that's not a church... But this is never going to be anything but a church." Jake: "I think we're missing out on the power of architecture to support and facilitate impactful worship." Takeaways Traditional church architecture is making a comeback in some circles Modern construction techniques can make historical designs more feasible Phased construction allows ambitious projects without overextending Purpose-built worship spaces vs. multi-use flexibility is an ongoing debate Architecture can be a ministry tool, not just a practical necessity Future Content Ideas Tech tour of Jesus Image when construction is complete Comparison series: Traditional vs. Modern church architecture Construction technique deep-dives for church building projects Budget-friendly ways to incorporate traditional design elements Action Items Plan potential visit to Jesus Image Church construction site Research other churches using similar traditional design approaches Investigate cost comparisons between construction methods

Snag Our Simplified Budget System!Hey budget besties — today we're diving into a topic so many of us struggle with: making the leap from credit card reliance to a simple, stress-free budget system. Meet Sam, who (like a lot of us) thought using a credit card for everything was the safest and smartest choice — until she realized it was keeping her family from saving and causing total budget chaos.In this coaching session, we walk Sam through:Why relying on a credit card keeps you a month behind (and how to break that cycle!)How to build a budget that actually works when your partner is on the road for workSetting up separate accounts (groceries, spending, restaurants… yes, even travel volleyball!) so every dollar has a jobThe truth about debit card protections vs. credit cards (hint: you're safer than you think!)What to expect in your first month of making the switch — and why it's worth pushing through the messy middleIf you've been wondering how to get off the credit card hamster wheel, start saving consistently, and feel in control of your money (without micromanaging every purchase), this episode will feel like a deep breath of fresh air.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

 A whites-only community has launched in Arkansas under the legal guise of a “private membership association.” The founders claim it's about preserving culture, but Skye and Phil aren't buying it. Then, Brent Leatherwood, head of the Southern Baptist Convention's public policy arm, has resigned after years of pressure from hardline conservatives. What does his departure reveal about the denomination's political realignment? And, this week's guest is Brandon O'Brien, author of The Strategically Small Church. As American Christianity grapples with shrinking attendance and fading influence, O'Brien offers a compelling vision for why small congregations might be not just inevitable, but essential. Also Phil learns way too much about penguin poop.   Holy Post Plus: Ad-Free Version of this Episode: https://www.patreon.com/posts/135810167/   0:00 - Show Starts   3:30 - Theme Song   3:50 - Sponsor - Sundays Dog Food - Get 40% off your first order of Sundays. Go to https://www.SundaysForDogs.com/HOLYPOST or use code HOLYPOST at checkout.   4:45 - Sponsor - Hiya Health - Go to https://www.hiyahealth.com/HOLYPOST to receive 50% off your first order   6:15 - Penguin Poop Saves the World?   15:50 - Whites-Only Community in Arkansas?   28:47 - SBC Commission President Steps Down!   43:48 - Sponsor - Blueland - Get up to 25% off your first order by going to https://www.Blueland.com/HOLYPOST   44:55 - Sponsor - BetterHelp - This episode is sponsored by BetterHelp. Give online therapy a try at https://www.betterhelp.com/HOLYPOST and get 10% off your first month   46:05 - Sponsor - Church at the Crossroads - How should churches respond to the crisis in Gaza? Join a conference to break the silence. Go to https://www.churchatthecrossroads.com and use code HOLYPOST for 20% off!   47:21 - Interview   51:09 - Appetite for Small Churches?   59:00 - Beholden to Budget   1:09:15 - Unanxious   1:20:46 - End Credits   Links from News Segment: All White Community in Arkansas: https://news.sky.com/story/inside-the-whites-only-settlement-in-arkansas-the-group-building-a-fortress-for-the-white-race-13399875   Brent Leatherwood Steps Down:  https://www.christianitytoday.com/2025/07/erlc-brent-leatherwood-resign-sbc-southern-baptist-politics/   Other Resources: The Strategically Small Church: Intimate, Authentic, and Effective by Brandon J. O'Brien: https://a.co/d/fgdjXcQ   Holy Post website: https://www.holypost.com/   Holy Post Plus: www.holypost.com/plus   Holy Post Patreon: https://www.patreon.com/holypost   Holy Post Merch Store: https://www.holypost.com/shop   The Holy Post is supported by our listeners. We may earn affiliate commissions through links listed here. As an Amazon Associate, we earn from qualifying purchases.