Podcasts about budgeting

Join Paul Jamison for an overview of Chapter 1 from his new book Level Up Your Money, sharing biblical wisdom and practical steps to master budgeting and take control of your finances.

Today Eric, host of Restaurant Unstoppable, and Jared, editor/co-producer, talk about the past, present, and future of Restaurant Unstoppable. We talk all about the future of the Restaurant Unstoppable Network and why it's THE BEST INVESTMENT TO BECOME UNSTOPPABLE!  Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Check out There and Back Again, as mentioned in today's episode, on Spotify or Apple Podcasts or wherever you get your podcasts! Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Email Eric: eric@restaurantunstoppable.com Email Jared: jaredp@restaurantunstoppable.com Thanks for listening! Rate the podcast, subscribe, and share! 

Do you work to live…or live to work? For many, the answer is simple: “I work to make a living.”But what if there's more to work than just earning a paycheck? Could it be that work holds deeper meaning—something essential to who we are and how we're made? David Bahnsen joins us today to offer a perspective on work you might not have considered.David Bahnsen is the Founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm managing over $7 billion in client assets. He is a frequent guest on CNBC, Bloomberg, Fox News, and Fox Business. He is also the author of Full Time: Work and the Meaning of Life. Rethinking Work and IdentityWe live in a world that often tells us our identity has nothing to do with our work. Unfortunately, that idea has not only crept into culture but also into the church. But let's be honest: that's simply not true. Our identity is tied to our work—not in the sense that a job title defines us, but because we are made in the image of a working God.We all instinctively know this. We don't look at someone who is contributing meaningfully to society and compare them equally to someone who spends every day in idleness. That's not about transactional worth—it's about reflecting the nature of our Creator. God created us to be productive, useful, and active. That's not a controversial claim. It's Genesis 1. Work isn't all of who we are, but it is a vital part of who we were created to be.Too often, we treat faith like an add-on. We make decisions about money, career, education, even family, and then sprinkle a few Bible verses on top. But the goal isn't to balance faith and work—it's to integrate them. That begins by grounding our understanding of work in a creational theology: God made work good.What we need in the church is not more dichotomy between sacred and secular, but an integrated vision that sees every good job—yes, even spreadsheets, sales, and software—as part of God's design. This mindset shift must begin in our pulpits. Our congregations need to hear that their Monday through Friday labor is not second-tier spiritual activity. It is sacred.The Relationship Between Work and RestInstead of chasing a “work-life balance,” Scripture offers a “work-rest paradigm.” God modeled six days of work followed by one day of rest—not the other way around. The purpose of rest isn't to escape work; it's to be restored for more of it. Rest has meaning because work has meaning.That's why we push back on the cultural narrative that says rest, leisure, and early retirement are life's ultimate goals. While rest is essential, its purpose is to equip us to return to the good, God-glorifying work He's called us to do.Culture often treats retirement as the finish line—an end to productivity, as if people cease to offer value once they reach a certain age. But that view is deeply flawed.We must challenge the financial industry's narrative that the goal is to accumulate enough so that we never have to work again. That mindset undermines the dignity and purpose of work. Yes, physical limitations may alter what work looks like in later years, but wisdom, experience, and the capacity to contribute remain. Companies and churches alike lose something precious when they usher older workers out instead of tapping into their gifts.Job, Career, or Calling?So, how should we think about our work? Is it just a job? A stepping stone? Or something more?Every Christian, no matter their vocation, should view their work as a calling. That doesn't mean God gives us a divine word about every job transition, but it does mean that the act of producing goods and services, solving problems, and serving others is inherently meaningful. That's our calling: to work with excellence, for the good of others, and the glory of God.To young adults wondering what to do with their lives: Don't believe the lie that you need to find your dream job tomorrow. Instead, embrace the next opportunity in front of you with excellence, humility, and a long-term view.Work is not just a means to a paycheck. It's how we serve our neighbors, develop skills, build character, and participate in God's ongoing work in the world. Some jobs may be stepping stones—but every job matters. The key is to remember the why behind your work: it's about loving God and loving others.Here's the truth: work isn't something we do just to meet our needs. It's something we do because God made us to work. He worked in creation, and He continues to work in redemption. When we work, we join Him in that sacred task—creating, restoring, cultivating, and contributing to human flourishing.Our work builds families, economies, culture—and yes, even the Kingdom of God.On Today's Program, Rob Answers Listener Questions:I recently retired and now work part-time delivering food for a restaurant using my personal vehicle. Am I allowed to deduct mileage, gas, or other vehicle expenses when I file my income taxes?My son is having a hard time covering his business expenses and has turned to several payday loans just to stay afloat. I'm looking for advice on how he can get sound financial guidance—or if there's a way he can consolidate that debt and get back on track.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Full-Time: Work and the Meaning of Life by David L. BahnsenChristian 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.

Learn how to budget smarter, not harder, with proven strategies and the best budgeting apps for first-time buyers in 2025. From his in-depth research, David shares the top five budgeting apps tailored for home purchase planning in 2025, plus two bonus tools for spreadsheet lovers and detail-oriented planners. Along the way, he warns against predatory financial service companies and common app pitfalls that could cost you more in the long run.Quote: "A budget is a tool to afford more of what you love."Highlights:Why budgeting is about empowerment, not deprivation.How zero-based budgeting gives every dollar a job.The 50/30/20 rule as a starting point for intentional saving.Top 5 budgeting apps for first-time buyers in 2025.Why free budgeting apps often fall short.Predatory pitfalls to avoid when choosing financial tools.LINKS TO THE BEST BUDGETING APPS of 2025You Need a Budget - YNABMonarch MoneyQuicken SimplifyNerdwalletCopilotLunch MoneyReferenced Episodes:Episode 306 - Saving To Buy Your Home: Homebuying 101Episode 305 - Debt Management: Homebuying 101Episode 180 - Online Mortgage Calculators Are GARBAGE - Here's WhyEpisode 69 - Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And BeyondEpisode 106 - Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home BuyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

How do you live a life that truly flourishes—not just financially, but in every area God cares about?Today, we're talking about how to live with purpose, peace, and wisdom by following God's design for life. Ron Blue joins us to unpack biblical principles that lead to flourishing, not through formulas, but through faithfulness.Ron Blue is the co-founder of Kingdom Advisors and the author of numerous books on biblical finance, most notably "Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment."Flourishing Begins with a Different FoundationAs followers of Christ, we're not simply aiming for a better life—we're called to a different one. A life that flourishes isn't measured by worldly success, but by alignment with God's design. When we understand that, everything changes.The life God created for each of us is unique. When we live according to His wisdom, we flourish—not because we have more, but because we are living as He intended. Flourishing means experiencing contentment that doesn't depend on circumstances. We don't need money to be content. We don't need approval to feel secure. Why? Because we are fully loved by the God who promises never to leave us or forsake us.Stewardship Is the Starting PointIf we want to flourish, we must begin with stewardship. Everything we have—our time, talents, relationships, money—comes from God. He owns it all. We're not owners; we're managers. When we recognize that, we stop living for ourselves and start using every resource for His glory. That includes how we spend, give, save, and even how we relate to others.Generosity Marks a Flourishing LifeA flourishing life is a generous life. When God's Word shapes us, we become generous with our time, with our finances, and with every resource entrusted to us. Generosity is not something we manufacture—it's a byproduct of spiritual transformation. And it runs counter to the culture around us, which tells us to hold tightly to what we have. Instead, we hold everything with open hands.We Live with IntegrityThe Bible speaks often about deceit and greed—two things that will always rob us of flourishing. When we live according to God's wisdom, we pursue integrity and honesty in every area of life. Proverbs offers constant guidance on living truthfully, avoiding dishonest gain, and practicing righteousness in our dealings. Flourishing is tied closely to living a life of character.We Live with PurposeWe're not here by accident. God placed us in this time and place for a reason. Our lives are temporary, but they're filled with eternal purpose. We're living today with heaven in view. Flourishing means recognizing that this life is preparation for eternity with our Lord. It means embracing the mission He's given us and making every decision with the long view in mind.When we step back and look at the big picture, we realize what a privilege it is to manage what God has entrusted to us. Stewardship isn't a burden—it's an invitation. An invitation to participate in His Kingdom work. An invitation to trust Him. An invitation to live a life that truly flourishes.Let's remember: God owns it all. We are stewards. And we get to use His resources for His glory. That is the foundation of a flourishing life.On Today's Program, Rob Answers Listener Questions:I'm considering a 0% financing offer and could pay it off within 12 to 18 months—but I'm also able to pay the full amount upfront. Which option makes better financial sense?I'm planning to take paid maternity leave, but I don't intend to return to the company afterward. I'm struggling with whether this is the right thing to do and would love some guidance.My son and daughter-in-law recently sold a tiny house that we helped them build. They're returning the money we put into it—are there any tax implications or other issues we should be aware of?We're updating our kitchen by painting cabinets and making some interior improvements. We can pay it off in 6 to 12 months, but should we use a HELOC, take out a home equity loan, or borrow from our investment savings?I've heard that a trust can help avoid probate, but I have a testamentary trust, and the courthouse says my property will still go through probate. What's the difference?I'm exploring a dynasty trust to protect assets for future generations, and I'm also interested in a charitable remainder trust to help with capital gains taxes. Is there a way to combine these strategies effectively?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Online shopping makes it easier than ever to fill our carts with things we don't really need. This year's Amazon Prime Day was actually 4 DAYS not one! So obviously you have more time to search, explore, and spend. Amazon has become the definition of impulse spending and impulsive spending can quickly derail your financial goals. But the good news? You can take control of your spending habits. Here's how to differentiate needs from wants, resist marketing traps, and stay focused on what really matters. Listen in to hear our take on how to overcome impulse spending.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Eoin McGee, financial expert.

How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals.We talk about 50/30/20 rule for high income earners.Avoiding lifestyle creep- easier said than done often.Other things to consider: super contributions, review personal insurances, setting a budget.Other episodes of interst:Money Management Part 1 (Budgeting, Buckets, and Credit Card Hacks)Income protection Explained (chat with advisor Jason Hugo)Music Credit: Bass Nation.New episode every fortnight.Send in your questions to: passiveincomedoctors[AT]gmail.comIf you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

This episode features Peter Ryan, a finance professional with a background in helping clients navigate financial decisions post-divorce. Peter draws on his experience both professionally and personally, having grown up in a divorced family, to offer practical advice and insight into the financial realities that many people, particularly women, face during and after divorce. He explains the common emotional attachments to assets like the family home and pensions and stresses the importance of understanding the bigger financial picture to make informed decisions that support long-term security. (00:00) Introduction to the Podcast (00:34) Meet Peter Ryan: Financial Advisor Specializing in Divorce (02:09) Understanding the Financial Impact of Divorce (04:39) Navigating Financial Decisions Post-Divorce (09:13) The Importance of Cash Flow Modeling (17:23) Addressing Financial Abuse in Relationships (21:36) Preparing for Divorce: Steps to Take (22:35) Understanding Financial Fears in Divorce (23:44) The Importance of Budgeting (25:58) Fairness in Financial Settlements (28:13) Emotional Spending During Divorce (30:40) Financial Advice for All Wealth Levels (33:18) Encouraging Financial Literacy (37:18) Long-Term Financial Planning (38:39) Connecting with Financial Advisors (40:11) Final Thoughts and Encouragement KEY TAKEAWAYS Divorce is often an emotional time, so understanding what matters most financially is crucial. Clients frequently focus on assets like the family home and pensions without knowing their full financial implications. Emotional attachment to assets can sometimes hinder practical and beneficial financial decisions. Seeing the bigger financial picture helps clients secure long-term stability post-divorce.   BEST MOMENTS "What we typically see is people will get fixated on the house or on the pension." "People often attach emotion to assets — like the house being tied to the children's continuity and stability." "Rarely do they understand what that actually means in practical terms." "Holding onto that might actually not be the best decision in the long term." GUEST LINKS LinkedIn - www.linkedin.com/in/peter-ryan-a02b90244/ www.bradbyswm.co.uk EPISODE LINKS Use the link below to sign up to the TalkingParents App. 30 Day FREE trial available alongside a completely FREE option too! https://talkingparents.com/dirhm If you enjoy this podcast here is the link to the book 'Do I Really H*te Men?'. It's packed with actionable and inspirational content to help you think, feel, heal and create your beautiful life that you deserve! UK: https://www.amazon.co.uk/dp/1068789107 USA: https://www.amazon.com/dp/1068789107 Exciting news! I now have four powerful and affordable course downloads available in my Patreon Shop—starting at just £20. Each one is designed to help you take meaningful steps forward in your healing and growth journey.

You can't bank time for later - you've got to use it today.That's the key message from our latest podcast, where Brent Allcock, our Financial Adviser from the Wellington office, discusses why procrastination can negatively impact your financial security. With Kiwis feeling the pressure from rising costs, he provides practical tips to take control of your finances.When it comes to managing your money, taking action today is far better than waiting until tomorrow. Don't let procrastination erode your financial well-being.⏰ Important time-stamps(01:09) Do we really have time when it comes to finances?(01:29) Reflections on time, money and the importance of acting now(02:36) Budgeting tips and lifestyle adjustments(05:12) The need for planning(06:51) Mindset shift(09:02) Rising living costs and planning for retirement(12:44) Are people reconsidering investing during uncertain times?(14:33) Kiwisaver performance and diversified portfolios(16:35) Brent's top tipThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Brent Allcock is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

The world constantly tells us, “You just need a little more.” But what if real peace isn't found in having more, but in learning to need less?What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption.Why Wealth Confuses UsIn a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn't found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we're born with—it's something we must learn. And we're learning it together.Let's be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You'd think contentment would come naturally at that point. But surprisingly, it doesn't.Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. This isn't new—it's the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too.The Danger of the “There and Then” MentalityContentment is rooted in the present, not the future. And yet we often believe we'll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can't be fully alive to God and the people around us now, there's no guarantee we will be later.We don't stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn't determine his joy. His peace wasn't tied to his comfort. And ours doesn't have to be either.Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess.A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we're pursuing minimalism for its own sake, but because we're reminding ourselves that joy isn't found in our possessions—it's found in a life uncluttered by distraction, filled with God's presence and purpose.Escaping the Comparison TrapComparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it's undeniably true. In our digital age, we don't just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we're missing out when in fact, we're richly blessed.Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared.Generosity is one of the most effective ways to break money's grip on our hearts. Paul's charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in God… to be rich in good deeds, and to be generous and willing to share” (1 Tim. 6:17–18).When we give, we reflect the heart of our generous God—first in creation, then in Christ. And as we open our hands, we discover joy not in what we keep, but in what we release for the sake of others and the glory of God.Passing on the Legacy of ContentmentWe long for our children and grandchildren to experience true satisfaction. But contentment isn't just taught—it's caught. When our families see that our greatest joy is not in acquiring new and better things but in reflecting the generosity of Christ, they begin to understand that there's a story far bigger than material success.We want them to see us delight in giving, not just spending. To notice our peace when things don't go our way. To recognize that the content life isn't a small life—it's a deeply rich one, rooted in grace and lived with open hands.On Today's Program, Rob Answers Listener Questions:I have around $1.5 million in total assets and $500,000 in available funds. Given the current tax environment, I'm considering whether now might be a strategic time to withdraw from my pre-tax retirement accounts and pay the taxes. I'm currently living on Social Security and pension income and haven't needed to tap into my savings yet.I'd like to open an account for my great-grandchildren, who are currently 3 years old and 18 months old. I've been looking into a universal life insurance policy, but would appreciate guidance on the best way to save for their future—possibly to help with education expenses.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Satisfied: Discovering Contentment in a World of Consumption by Jeff ManionSavingForCollege.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.

It's the third episode of Broad River Retail's new summer series on Stories from the River, where CEO Charlie Malouf takes listeners behind the scenes of the Story of Broad River with a full explanation of Monthly Budgets and the way Broad River plays the game.  Charlie opens this episode by sharing the pivotal story of DASH (an acronym for Broad River's Home Delivery program: Delivery. Assembly. Service. in your Home.) and its transformational impact on the business.  Charlie recounts Broad River's journey from a scarcity mindset—where delivery was seen merely as a break-even cost and low fees resulted in subpar delivery service—toward a spirit of abundance. By restructuring delivery pricing, investing in higher-quality service, and introducing commissions for Memory Makers on delivery sales, the company cultivated mutual prosperity and elevated both customer and Memory Maker experience while also boosting profitability. The DASH program became not just a service, but a brand differentiator, emphasizing white-glove care and quality that customers truly value. Charlie also dives into the evolution of the company's financial discipline, particularly the budgeting process, as Broad River moved from turbulent years and near-bankruptcy to a streak of consistent profitability. He discusses how transparent goals, departmental accountability, and a dual-budget approach—conservative bank budgets and more moderate stretch retail performance budgets—have helped drive both financial reliability and the rewarding of Memory Makers through generous bonuses. This approach nurtures a people-centric, performance-driven culture with a focus on long-term, shared success. Throughout the episode, Charlie stresses the importance of playing the long game, embracing change, and fostering a culture where Memory Makers are challenged, supported, and can share in the company's abundance. Watch the first two episodes of the series: Building Broad River Retail: How We Play the Game of Business | Part 1 (2003-2014) - https://youtu.be/ZacOr4KMGqk    Breaking and Rebuilding: The Bold Reset That Saved Broad River Retail - https://youtu.be/67hsX3ly19A  Watch this episode on YouTube: https://youtu.be/8eoeU7N-Mt8  Visit https://www.storiesfromtheriver.com for more episodes. Broad River Retail brought this show to you. Visit https://BroadRiverRetail.com                                 Follow us on LinkedIn: https://www.linkedin.com/company/broad-river-retail    

It's the third episode of Broad River Retail's new summer series on Stories from the River, where CEO Charlie Malouf takes listeners behind the scenes of the Story of Broad River with a full explanation of Monthly Budgets and the way Broad River plays the game.  Charlie opens this episode by sharing the pivotal story of DASH (an acronym for Broad River's Home Delivery program: Delivery. Assembly. Service. in your Home.) and its transformational impact on the business.  Charlie recounts Broad River's journey from a scarcity mindset—where delivery was seen merely as a break-even cost and low fees resulted in subpar delivery service—toward a spirit of abundance. By restructuring delivery pricing, investing in higher-quality service, and introducing commissions for Memory Makers on delivery sales, the company cultivated mutual prosperity and elevated both customer and Memory Maker experience while also boosting profitability. The DASH program became not just a service, but a brand differentiator, emphasizing white-glove care and quality that customers truly value. Charlie also dives into the evolution of the company's financial discipline, particularly the budgeting process, as Broad River moved from turbulent years and near-bankruptcy to a streak of consistent profitability. He discusses how transparent goals, departmental accountability, and a dual-budget approach—conservative bank budgets and more moderate stretch retail performance budgets—have helped drive both financial reliability and the rewarding of Memory Makers through generous bonuses. This approach nurtures a people-centric, performance-driven culture with a focus on long-term, shared success. Throughout the episode, Charlie stresses the importance of playing the long game, embracing change, and fostering a culture where Memory Makers are challenged, supported, and can share in the company's abundance. Watch the first two episodes of the series: Building Broad River Retail: How We Play the Game of Business | Part 1 (2003-2014) - https://youtu.be/ZacOr4KMGqk    Breaking and Rebuilding: The Bold Reset That Saved Broad River Retail - https://youtu.be/67hsX3ly19A  Watch this episode on YouTube: https://youtu.be/8eoeU7N-Mt8  Visit https://www.storiesfromtheriver.com for more episodes. Broad River Retail brought this show to you. Visit https://BroadRiverRetail.com                                 Follow us on LinkedIn: https://www.linkedin.com/company/broad-river-retail    

Jeff Gothard is the Co-Founder of KIC Hospitality, a hospitality consulting service based in Austin, TX. Jeff Got his start in the business/management world as a District Manager at Blockbuster in hollywood from 1999 to 2005. He then decided he wanted to open his own restaurant but without any hard experience in restaurants, he needed to work for great restaurant industry companies first. He then worked for Schlotzkys as a Franchise Business Consultant from 2005-2009 and as Director of Training from 2009-2013. From 2014-2023 he was the COO and Partner at Tatsu-Ya, a ramen concept that he helped scale. He founded KIC Hospitality with partner Steve McAloon (featured on episode 1199) in 2023.  Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Email: jeff@kic-hospitality.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it's not as intuitive as you'd hoped.For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we've misunderstood how mentoring fits into God's design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rethinking MentoringRetirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn't just about what we get—but what we give?Retirement isn't the end of our calling. It's a fresh opportunity to steward our lives for God's Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship.Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we've found that mentoring is most fruitful when it grows from an organic, mutual friendship.Rather than casting ourselves as sages who dispense advice, we're invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time.This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust.In God's upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ.What Makes Mentoring Thrive?Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish:Delight in the Next Generation. Mentoring starts not with duty but with joy. When we find genuine delight in those younger than us—when we enjoy being with them, listening, and learning—we build the foundation for real connection. Affirm Before Advising. Many younger adults are uncertain about their calling or whether they have what it takes. A word of affirmation can be far more powerful than advice. Encouragement builds trust and opens the door to growth. Lead with Vulnerability. We don't need to have it all together. It's our stories of failure and God's faithfulness that often minister most deeply. Humility makes room for healing and hope. Commit for the Long Haul. There's no shortcut to transformation. Mentoring thrives when we're patient and willing to walk alongside someone over time—through victories, setbacks, and seasons of change. Ask Thoughtful Questions. Jesus often asked His disciples powerful, heart-revealing questions. We can do the same. When we help others discover truth for themselves, they take greater ownership of their journey.The local church is a natural place to start. It's one of the few places left in our culture where generations regularly gather. Maybe it's time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger.Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship.Most importantly, we must pray. We've learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships.What If Retirement Looked Like This?Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence?We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our richest reward.So here's the invitation: Start showing up. Start listening. Start sharing your story. And watch what God does through friendship across generations.Help Us Equip Others to Live with PurposeRight now, more people than ever are seeking biblical wisdom to navigate their finances and their calling. When you become a FaithFi Partner, you help meet that need.Partners receive:Early access to new devotionals and studiesA subscription to our Faithful Steward magazinePro access to the FaithFi appJoin the mission today with your gift of $35/month or $400/year at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions:I'm trying to compare mortgage rates from several lenders, but I'm concerned that multiple hard credit inquiries will affect my credit score. What's the best way to shop around without damaging my credit?I'm trying to decide between setting up a Special Needs Trust or an ABLE account for my nephew. Can you explain the differences and help me understand which option might be better for his long-term financial support?After my husband left, I found myself in a challenging financial situation. Most of my savings are gone, and because of a traumatic brain injury, my ability to work is limited. I feel overwhelmed and don't know where to begin. How can I start to rebuild my financial life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenBankrate | Lending TreeMovement MortgageWisdom 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.

Inheritance. Budgeting. Investing. Someone asks Jesus to tell their brother to divide the family inheritance with them, and Jesus says to be on guard against all kinds of greed. We ask Dr. Chris Croghan:Do experiences count as the possessions Jesus is warning about? Should you or should you not invest your money? What does it mean to be rich toward God? CARE OF SOULS - ADDICTIONIn Care of Souls, a special mini-series podcast from Luther House of Study, Lutheran pastors and theologians come together to explore the deeply personal and pastoral task of preaching to and caring for those struggling with life's challenging situations: addiction, death, family disharmony, and more. Rooted in the theology of the cross and the Lutheran tradition of radical grace, this series offers both theological depth and practical guidance for pastors, church workers, and lay leaders.With conversations, real-life stories, and reflections from the front lines of ministry, Care of Souls equips listeners to enter the broken places of addiction not with easy answers, but with the crucified and risen Christ.Because in the end, it's not about fixing people—it's about preaching the Gospel.Listen to Care of Souls wherever you listen to podcasts or on the Luther House website: Care of Souls - AddictionCONFIRMATION Does your church have a confirmation class? Luther House of Study is excited to present a comprehensive online confirmation curriculum. The curriculum includes interactive digital lessons and supplemental teacher guides featuring custom videos, quizzes, drag and drop tasks, discussion questions, scripture passages, and prayers about the Apostles' Creed, the 10 Commandments, the Lord's Prayer, and the Sacraments. lutherhouseofstudy.org/confirmationSING TO THE LORD Martin Luther said, "Next to the word of God, the art of music is the greatest treasure in the world." To understand the importance of hymnody in the Lutheran church, Lars Olson and Mason Van Essen sit down with Zachary Brockhoff to discuss the lectionary's hymns, their meaning and history, and how the music preaches the Gospel. 

The envelope-based budgeting method is going viral on TikTok and Reddit, with Gen Z bringing back physical cash as a way to feel more in control of their spending. Some claim it's the only method that helps them stay disciplined; others call it impractical in a digital world. Nick Charalambous, Financial advisor and Managing Director of Alpha Wealth joined Pat Kenny on the show to discuss.

In this episode, we discuss strategic ad budgeting for virtual summit success, with different approaches depending on your experience level and how much you have to budget. Through the episode, I break down a four-level approach to layering your ads including the order to stack different ad types, the percentage of your budget to allot to each type, how to balance the budget for warm and cold audiences, and more!__________________Find me on Instagram → https://www.instagram.com/heyitsjenzaia/Email Me → support@jenzaiadimartile.com

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6As parents, we often wonder when to begin teaching our kids about money. The simple answer? It's never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That's a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.Here's how to begin—step by step.Ages 3–5: Needs, Wants, and WorshipEven toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That's a want—and a perfect conversation starter.As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve.Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It's a simple but powerful way to connect generosity with worship.Ages 6–10: Responsibility and Short-Term GoalsAt this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It's a simple lesson in accountability and work ethic.If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible.Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue:“You always have more choices than money.”Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God's heart.Ages 11–15: Bigger Goals, Delayed GratificationNow your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It's the perfect time to talk about larger savings goals—maybe a new bike or a camp trip.Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you're close by to guide them.If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions.Ages 16–18: Real-World Practice and Investing BasicsTeenagers who are working part-time jobs are ready for more advanced money management.Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer's 401(k) might.Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing.Remind them: Markets go up and down, but faithful stewardship builds wealth over time.The Ultimate Goal: A Faithful StewardReinforce this truth: Their worth isn't tied to their net worth. All we have is a gift from God to be managed for His glory, not our own.No matter your child's age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don't have to be a financial expert—you just have to be present and intentional.Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn't just a financial lesson. It's a spiritual one.For more resources on biblical money management and to start budgeting as a family, check out the FaithFi app.On Today's Program, Rob Answers Listener Questions:I'm 58, single, and plan to keep working until I'm 70. I live frugally and want to ensure that my assets are managed wisely and passed on to my four children, especially my youngest. I'm considering setting up a trust, but the $2,000 cost seems steep. Is that the best option for someone like me who wants to ensure everything is protected and appropriately distributed?I'm looking to understand how reverse mortgages work. What kind of interest rates do they typically charge? Do they accrue interest like a traditional mortgage over time? Are there any upfront fees to get started?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom 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.

Need to systemise your clinic? Start your free trial of Allie!https://www.allieclinics.com/For this episode of the Grow Your Clinic podcast, we're joined by Daniel Gibbs to discuss the importance of developing leadership within clinics. Dan, Ben and Hannah cover off on the need for training leaders in the art of coaching, highlighting that not all top practitioners make great leaders. The conversation touches on the chaos that some leaders may create and the significance of problem-solving methods, such as the 1-3-1 model, introduced by Daniel, which helps teams make decisions independently. The episode also addresses the significance of creating a safe environment for making errors and the personal perceptions of job performance related to clinic ownership.  Tune in for valuable insights on building a strong leadership team while stepping back from day-to-day operations.What You'll Learn:

Charles Internicola is Founding Partner and CEO at Internicola Law Firm based in New Jersey. Charles began his law career about 20 years ago always with the aim of specializing in franchise law. Charles is the host of the podcast, Win Big at Franchising Podcast, and he has his YouTube channel as well, Entrepreneurs Kick Ass.  Want to work with Charles and Internicola Law Firm? Click here! Charles was recently featured on the show for episode 1171. This workshop covers the Five Core Building Blocks Every Franchisor Needs with expert Charles Internicola. Workshops can be found every Thursday in the Restaurant Unstoppable podcast feed or on YouTube. Most have a visual component, so consider watching the video version here. Join the RUNetwork to take part in workshops and ask the experts YOUR questions! Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Win Big at Franchising on Apple Podcasts Win Big at Franchising on Spotify Website YouTube channel Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing about Bobby's life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices. Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ. Repaying Debts: The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle. Stewardship: The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don't fully understand how they work. Should I stay in them or look at other options? I'd appreciate some guidance on how to manage my limited savings wisely.I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?My husband and I are retired and considering a reverse mortgage. What's the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian 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.

Have you ever felt your goals slipping away or wondered if your financial plan still matches your life? In this insightful episode, Joey Boding, alongside Adam Morris and Tommy Williams, discusses the concept of personal reconstitution—a valuable method inspired by passive investment strategies that helps you recalibrate your personal and financial goals. Learn why regular check-ins can significantly boost your chances of success, keep you aligned with your priorities, and help you celebrate meaningful progress. For detailed show notes, navigate using the timestamps below: [0:00] Introduction [1:00] Understanding financial reconstitution and its purpose [3:00] Potential downsides of passive fund reconstitution [6:30] Tax implications and volatility during reconstitution [10:00] Benefits and simplicity of periodic financial reconstitution [12:30] Why investors should regularly review fund holdings [15:00] Transition to personal reconstitution [16:30] Mid-year goal check-in and personal reflections [19:00] How frequent personal evaluations can keep you aligned [21:30] Questions to help you stay on track and aligned with values [24:00] Budgeting: the foundation of effective personal reconstitution [27:00] Identifying and eliminating financial leaks [30:00] Adjusting strategies and goals when life changes [32:00] Setting SMART goals and realistic expectations [35:00] Final tips for personal and financial success   For more information on Asset Builder, visit our website: https://assetbuilder.com

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3In the final episode of our Financial Ethics series, we're tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge.Faith Is Not a TransactionOne of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God's blessings.But biblical faith isn't self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations.Prosperity theology often preaches a “faith formula”: believe hard enough, and you'll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It's not irrational optimism—it's a reasoned trust in the unseen promises of God.We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering.The Problem with Escaping SufferingOne hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it's not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ.Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It's often through trials that we grow closest to Christ and are shaped into His likeness.God's Provision Comes Through WorkAnother distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God's design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God.Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God's design through get-rich-quick schemes ultimately violate our dignity and God's intended path for flourishing.Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.”Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ's sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel's central message.Giving as Grace, Not GreedProsperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn't about personal return—it's about grace.True giving flows from love for God and neighbor. We give not to get, but because we've already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God's grace, not a strategy for personal gain.Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son.That's the true antidote to the prosperity gospel. We aren't promised wealth, ease, or success. But we are promised Christ—and in Him, we find every blessing that matters.On Today's Program, Rob Answers Listener Questions:I'm 64 and planning to retire within the next year. I have approximately $10,000 that I won't need for income, and I'm seeking guidance on how to invest it wisely. I'm especially interested in options that align with biblical values and reflect my faith in the companies I support.My wife and I are approaching retirement. We're financially secure, and our home is fully paid off. One concern I have is not having long-term care insurance. I'm considering either a reverse mortgage or a home equity loan to cover potential long-term care expenses, but I'd like to understand the pros and cons of each option before moving forward.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. David W. Jones and Dr. Russell S. WoodbridgeUnderstanding 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.

Send us a textIn this episode, Jeremy Neisser sits down with two seasoned college athletics marketers: Scott Peace (Senior Associate AD for Revenue Generation at UNI) and Kelly Wilga (Assistant AD for Marketing at Sacramento State). Together, they dive into what it takes to successfully plan and execute a football marketing campaign.From budget discussions and scheduling promotions to engaging students and running creative, on-brand theme nights, this episode is packed with actionable insights. They explore how even teams with limited resources can deliver unforgettable fan experiences and improve attendance through collaboration, strategy, and bold creativity.TakeawaysStart football marketing planning early — often as early as March.Prioritize student engagement, especially for early-season games.Build partnerships across campus to extend your budget and reach.Theme nights and experiential promotions (like hot tubs or tattoo artists) can dramatically boost attendance.Always evaluate the ROI of long-standing marketing traditions — and be willing to scrap or evolve them.Focus on controllable factors of fan experience from “driveway to driveway.”Giveaways still work, especially when they're creative and unique.Use athletics as a platform to highlight broader university initiatives.Even with a tight budget, you can get creative and make a big impact.Don't accept the limitations of a small team — lean on relationships, data, and smart execution.Memorable Quotes

You can confidently manage your finances and reach your savings goals in a way that fits your unique financial situation, if you implement various popular budgeting methods. Today's Stocks & Topics: GLOB - Globant S.A., UPS - United Parcel Service Inc. Cl B, Market Wrap, Budgeting Methods to Suit Every Lifestyle, Is the Stock Market Manipulated?, Ethereum, QS - QuantumScape Corp. Cl A, Bitcoin Mining, Earnings Season, OPEN - Opendoor Technologies Inc., Are Consumers Running Out of Steam?Our Sponsors:* Check out Avocado Green Mattress: https://avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

In today's world, scarcity seems to be everywhere. Not enough money. Not enough time. Not enough security. It's easy to live like we're always behind, always grasping, always worried. But is that the full story?Here at FaithFi, we believe Scripture paints a different picture—one where scarcity isn't the final word. Instead, through Christ, we're invited to live with hope, wisdom, and trust in God's abundant care.The Root of ScarcityThe fear of “not having enough” isn't new. Ever since sin entered the world, our hearts have struggled with distrust. In John 10:10, Jesus describes the enemy as a thief who “comes only to steal and kill and destroy.” And that's what a scarcity mindset does. It steals peace, kills joy, and destroys our trust in God's provision.This mindset urges us to hoard instead of share, grasp instead of give, and stress instead of rest. It traps us in anxiety—a form of slavery where our lives are defined by what we lack instead of who God is.Jesus doesn't leave us in fear. In the second half of John 10:10, He offers a better way: “I came that they may have life and have it abundantly.”This abundance isn't about luxury—it's about the richness of God's care. From the very beginning, God created generously. Genesis 1 shows a God who overflows with creativity and provision, filling the skies, seas, and land with life. He didn't create out of need but out of joy.As Elisabeth Elliot wisely said, “God has promised to supply all our needs. What we don't have now, we don't need now.”Jesus Offers Something BetterJesus lived simply, with no home of His own, yet He never operated from scarcity. He lived generously, turning water into wine, feeding multitudes, and offering forgiveness to all. In Matthew 6:25–34, He urges us not to worry, pointing to the birds and lilies as evidence of the Father's care.“Seek first the kingdom of God and His righteousness,” Jesus tells us, “and all these things will be added to you” (Matthew 6:33). This is the antidote to fear: a trust-filled life focused on God's Kingdom.So, how do we break free from the scarcity trap? Here are a few biblical steps:1. Renew Your MindRomans 12:2 calls us to be transformed by the renewal of our minds. Ask God to help you see life through the lens of His abundance, not the world's lack.2. Practice GratitudeThankfulness shifts our focus from what's missing to what God has already provided. It's a simple but powerful habit that reorients our hearts toward trust.3. Embrace StewardshipWe are not owners but stewards. Everything we have is a gift from God. Proverbs 3:9 reminds us to “Honor the Lord with your wealth and with the firstfruits of all your produce.”4. Give in FaithDon't give out of fear—give out of faith. 2 Corinthians 9:8 promises that God will provide all we need so that we can abound in every good work.God Is More Than EnoughLiving in God's abundance doesn't guarantee an easy life. But it does guarantee we never face our challenges alone, and we never need to be enslaved by fear.So when the world says, “There's not enough,” we can respond with confidence: Our God is more than enough. His abundance isn't just material—it's spiritual. It's peace, joy, and confidence that our Father knows exactly what we need.If you're struggling with financial fear or anxiety, we invite you to explore our 21-day devotional, Look at the Sparrows. It's designed to help you shift from fear to faith as you grow in your trust of God's provision. Order a copy or place a bulk order today at FaithFi.com/Sparrows. Let this journey lead you into deeper peace and stronger trust, because your Father really does care for you.On Today's Program, Rob Answers Listener Questions:I've been looking into Fisher Investments to help manage my portfolio, but their 1.25% advisory fee seems a bit high. With $1.4 million in assets, is that rate competitive, or should I be considering other options?I'm on a limited income and have had serious health issues in the past. My husband is retired, and I'm struggling to find affordable health insurance. I'm also worried that my health history might lead to penalties or denial. What are my best options?I set up an LLC for a rental property and assumed I could report the income as a pass-through on my personal 1040. But my tax preparer says I now need to make quarterly estimated tax payments. Is that really necessary, and how do I know what to pay?I'm 62 and a half and thinking about retiring early this coming January. My current job no longer aligns with my values. I plan to take Social Security at around $1,835/month, which is about $500 less than my current income. My wife is still working and will cover our health insurance. What key retirement planning considerations might I be overlooking?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)HealthCare.gov | eHealth | HealthMarkets | HealthSherpaIRS.gov | SSA.govWisdom 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.

C.K. Chin is the founder of Chintertainment. C.K. got his start in the nightclub business as a bouncer who quickly decided it would be better for everyone if he introduced a little more hospitality to the bouncer/door guy position. He then became a bartender and eventually the GM. He then became a marketer for that nightclub and soon was doing marketing for other service industry businesses as well. C.K. currently is a part of 3 restaurants, owns his consulting business (Chintertainment), and is working on opening a youth art space in Austin. Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Instagram: @seekaychin Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“A joyful heart is good medicine, but a crushed spirit dries up the bones.” - Proverbs 17:22As we wrap up our series on the temperaments and how they impact our financial decisions, we're turning the tables a bit. Today, Kathleen Edelman—who's been our guide through this journey—is taking the host seat to interview Rob West about the Yellow temperament.Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.What Is the Yellow Temperament?The yellow temperament, known as sanguine, is characterized by high energy, optimism, and a deep desire for connection. Yellows are extroverted and people-oriented, speaking the language of fun and relationships. They often bring joy, inspiration, and laughter into every environment they enter. However, they also face challenges, particularly in areas such as focus, follow-through, and impulse control.Historically rooted in the work of Hippocrates, the four temperaments offer a timeless framework for understanding how people are wired to think, speak, and listen. The yellow temperament is one of four:Red (Choleric): Task-oriented extroverts, driven by power and control.Blue (Melancholic): Task-oriented introverts, focused on perfection and order.Green (Phlegmatic): People-oriented introverts, seeking calm and harmony.Yellow (Sanguine): People-oriented extroverts, motivated by fun and connection.How Yellows Communicate and RelateYellows are often described as the life of the party—fun, inspiring, and full of energy. They thrive on being liked, included, and appreciated. They tend to wear their hearts on their sleeves and use charm, humor, and emotional connection to relate to others.Their innate needs include:Approval – being accepted for who they are.Acceptance – feeling included and invited.Attention – being given full focus and eye contact.Affection – being acknowledged and appreciated.When these needs are met, yellows radiate joy and creativity. But when unmet, they may seek attention in unhealthy ways or rely on charm to mask insecurity. Understanding these tendencies can help others relate to yellows with empathy and intention—and help yellows themselves pursue healthy, life-giving connections.Financial Habits of the Yellow TemperamentWhen it comes to money, yellows tend to view finances through the lens of spontaneity and enjoyment. They view money as a means to create experiences, give generously, and make memories with others. However, their optimism and impulsiveness can lead to overspending or a lack of strategic planning.Some common financial tendencies of yellows include:Generosity is driven by emotion rather than strategy.Difficulty sticking to strict budgets or long-term plans.A tendency to avoid hard money conversations, especially if there's potential for conflict or disapproval.Using money to strengthen relationships and bring joy.To thrive financially, yellows benefit from tools that provide structure without feeling restrictive, such as flexible budgeting systems, automated savings, or labeled cash envelopes tied to experiences (e.g., “Dinner with Friends”). Framing financial stewardship in terms of purpose, joy, and relational impact helps them stay engaged and motivated.Communication and StewardshipIn conversations—especially around finances—yellows respond best to positive framing and shared vision. They may avoid spreadsheets or conflict, but they are quick to dream, encourage, and cast vision. When invited into planning that includes moments of celebration or generosity, they are more likely to stay committed.In leadership or ministry settings, yellows often bring energy and hope to conversations. They are natural encouragers and communicators, able to uplift others with genuine warmth and presence. However, they may need accountability partners or systems to help with follow-through and details.Understanding their own temperament also enables yellows to listen more intentionally. With tools like Edelman's workbook, they can better identify the temperaments of others and respond in ways that build connection and clarity, both at work and at home.The yellow temperament is a vibrant and life-giving expression of God's creative design. While yellows may struggle with structure and impulse, they bring essential gifts of joy, vision, and generosity. With the right tools and a deeper self-awareness, they can become faithful stewards who reflect the heart of Christ, not just in their relationships, but also in how they give, plan, and lead.For a deeper dive into all four temperaments and how they relate to stewardship, relationships, and communication, explore Kathleen Edelman's featured article in our Faithful Steward magazine. To receive a copy each quarter, become a FaithFi Partner by giving $35 a month or $400 a year at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:I'm about three and a half years away from retirement and currently have more saved in traditional IRAs than Roth IRAs. Would it be wise to start converting some of those traditional funds into Roth now—even if it means taking a tax hit—to avoid higher taxes in retirement?I'm 40 years old and have several 401(k) accounts from former employers. I've received mixed advice—some financial advisors say I can't consolidate them into a single account, while another is recommending I move them into a hedge fund that claims to offer a 15–17% return. What should I do?A few years ago, we loaned our son and his wife money to build a tiny home. They're now selling it at a loss to a third party. Are there any sales tax or personal tax consequences we—or our son—should be aware of in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom 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.

Recently, Ashley and I have had the privilege of meeting with some young couples and talking to them as they're just coming into marriage or preparing to be married. They often ask us a variety of questions, as you would expect from anyone talking to a couple who's been married for a while. One of the big issues that consistently comes up early in marriage—and continues to show up later—is the issue of money. That's been true in our marriage as well. It makes sense that money and finances are also a very real issue for business owners, especially those who are married and both spouses work in the business. So let's have that discussion. I think it's really helpful, and I want to drill it down to one financial dashboard that can bring clarity. Because that's our ultimate goal—to liberate you from chaos and make time for what matters most. By the way, my name is Scott Beebe. If we haven't met yet, I'm part of the Business On Purpose team. A lot of times we meet people who say, “Hey, I've got a vision for what I want to do.” Great! We help you write that down. We've got a vision story framework that does that well. One of the next steps is to build out your financial dashboard. This involves subdividing your cash accounts and will help you gain a much clearer picture of your actual financial health. Instead of lumping everything into one, two, or three bank accounts, it requires about six or more. Now, I know that sounds hard, but I promise it's not. Once we do that, we can begin to isolate the cash in your business and start tracking different aspects of your finances. By breaking your finances into categories, you can more easily monitor the flow of cash. We like to say “flow of cash” instead of just “cash flow,” because for many, that term brings to mind complex reports. This method also allows you to allocate resources effectively and make informed decisions—because now you can actually see where the cash goes. It's kind of like Dave Ramsey for business. Having that level of monetary organization lets you track progress toward any kind of goals—generosity goals, profit goals, reinvestment goals, and more. You can adjust your strategy as needed. Visioning and financial planning is not a one-time event. (And when I say financial planning, I don't mean what a financial planner does—I mean you allocating cash to plan the future of your business.) It's something we must regularly revisit and refine as the business grows and evolves. So, what can you do first? Start with a simple spreadsheet to track your cash balance every single week. You might ask, “Can we do this in QuickBooks or Xero?” Theoretically, yes. But you usually won't—and it serves as a great discipline to do it manually. That foundational step of a spreadsheet allows you to create a realistic budget for the year ahead. Look at your existing profit and loss statements and chart of accounts. If you don't know where to start, look at last year's P&L. That's a great starting point. Don't worry about being precise with your budget at first. Budgeting is more of an art than a science. Once you've got your vision statement and a basic financial dashboard in place, it's time to build out your organizational structure. So now you've got a vision and a financial dashboard—now build an organizational structure to know who's going to handle the financial “fuel” driving the business forward. Think of this like creating a skeleton for your business, similar to the human body. Instead of focusing on specific individual names, focus on the roles. We say “role first, people agnostic.” This lets you structure your business based on responsibilities instead of personalities. Next, identify and map out each process required to run your business. You've got a vision, a simple dashboard, subdivided bank accounts, and a consistent snapshot of those accounts. Now you can create an org chart to know who's doing what—and then define what they're doing. These processes fall into four core systems: marketing, sales, operations, and admin. List the processes under each of these categories. You don't need detail yet—just broad items like “website,” “social media,” or “outbound calls.” This gives you an overview of your operations. Once that's in place, you can map out your company culture using what we call the “Anchor.” You've got your vision, your cash tracking, your roles, and your processes. But how do you build culture into that? Use the Anchor. Create another spreadsheet. List the weeks of the year across the top and your cultural elements along the left-hand side. These could include team meetings, performance reviews, birthday celebrations, anniversary celebrations, training schedules, and more. Then plot these cultural events across the calendar. Assign one person to manage the Anchor and you'll have a visual representation of your business's RPM culture—Repetition, Predictability, and Meaning. It's about creating a framework. It doesn't have to be perfect from the start. The goal is to have these pieces in place and work them with consistency. As you implement these steps, you'll gain a much clearer picture of your business's structure, finances, and culture. It allows you to make better decisions and build a stronger foundation for growth. So we started with money—realizing that money is just fuel. It's a tool to pursue your vision, build clarity around your structure, understand your processes, and foster your culture using simple, actionable tools. If you don't know where to start, here are five good tools to begin with: Vision Story – Lay out where you're going. Financial Dashboard – Track your cash. Organizational Structure – Clarify roles and responsibilities. Processes – Know what needs to be done. Anchor – Build and maintain your culture. That's the glue that holds everything together. So just like those young couples ask, “Where do we start with money?” I've just walked you through five simple tools to start building intentionality into your business. Why? So you can be liberated from chaos and make time for what matters most. Hey—make sure to go to mybusinessonpurpose.com. You can check us out there. And if you go to mybusinessonpurpose.com/healthy, you can take a five-minute health assessment to understand the strength and sustainability of your business's backend.   Want help building a clear financial dashboard? Visit mybusinessonpurpose.com/ask to connect with a BOP coach. To check the health of your business, visit mybusinessonpurpose.com/healthy today! SIGN UP for our Newsletter HER➡️ https://www.boproadmap.com/newsletter For blogs and updates, visit our site HERE ➡️ https://www.mybusinessonpurpose.com/blog/ LISTEN to the Business On Purpose Podcast HERE ➡️ https://podcasts.apple.com/us/podcast/my-business-on-purpose/id969222210 SUBSCRIBE to our YouTube channel HERE ➡️ https://www.youtube.com/channel/UCbPR8lTHY0ay4c0iqncOztg?sub_confirmation=1

In this episode, Joe joins me on the pod as we share every detail of our July 2025 trip to Cabo San Lucas, including how we stayed at The Cape, A Thompson Hotel, for $0 using points.We talk through our trip budget, why we prioritize couples trips, and the adventures that made this getaway unforgettable:Hiking Mt. Solmar with the legendary dog trainer EnriqueSnorkeling and jumping off a catamaran into crystal-clear watersA romantic dinner at Esperanza's Cocina del MarAnd yes, breakfast burritos every single morning of our tripBuy Me a CoffeeSouthwest Business Credit Card & Personal Credit Card Referral LinkChase Sapphire Personal Credit Card Referral LinkChase Ink Business Credit Card Referral LinkMentioned in this episode:- The Cape, A Thompson Hotel, Hyatt, Cabo San Lucas Mexico- YNAB app - You Need a Budget- Sunny Desert Transfer or LOMAS- Southwest Airlines Upgraded Boarding via Performance Business Credit Card- San Jose del Cabo vs. Cabo San Lucas- The Rooftop at The Cape Hotel- Enrique's Mr. Solmar hike with dogs - Enrique's Facebook Page- Enrique's hike address: Antigüa Empacadora de Cabo, Blvd. Paseo de la Marina s/n, Centro, San Lucas, 23450 Cabo San Lucas, B.C.S., Mexico- Brunch at Solomon's Landing- Esperanza's Cocina del Mar- Cabo Adventures Snorkel Excursion

Donald Farrey on Eliminating Debt and Budgeting (North Fulton Business Radio, Episode 887) Donald Farrey, a CPA and a Dave Ramsey Preferred Financial Coach, joins North Fulton Business Radio host John Ray to share how he helps high-income individuals and couples get out of debt, stay on top of their money, and stop living paycheck to […] The post Donald Farrey on Eliminating Debt and Budgeting appeared first on Business RadioX ®.

Donald Farrey on Eliminating Debt and Budgeting (North Fulton Business Radio, Episode 887) Donald Farrey, a CPA and a Dave Ramsey Preferred Financial Coach, joins North Fulton Business Radio host John Ray to share how he helps high-income individuals and couples get out of debt, stay on top of their money, and stop living paycheck to […]

More than two decades have passed since Congress last approved a recission request from a President. With last weeks' approval of $9 billion in funding clawbacks, the Director of OMB now says there will be more. Director Vought also said budgets should be "less bipartisan." What does this mean for agencies still trying to spend their 2025 funds? Here with insight on the implications of recissions is Bloomberg Government's deputy news director, Loren Duggan.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn't cut it.Everyone often needs a budget, and for college students, that is even more crucial. Today, Dr. Kelly Rush joins us with practical budgeting advice every college student should hear.Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. Why Budgeting Matters More Than You ThinkProverbs 22:6 tells us to “train up a child in the way he should go, and when he is old he will not depart from it.” That's not just true for spiritual instruction—it applies to money too. The habits we form in college, for better or worse, often follow us into adulthood. And if students don't develop intentional stewardship during these formative years, they may face regrets down the road that could've been avoided.Most students know they shouldn't spend recklessly, but they often don't know where their money is going. Without a written budget or a tool to track spending, it's easy to watch bank accounts shrink faster than expected—and not know why.Budgeting isn't about restriction. It's about clarity. It's about choosing in advance how to use what God has entrusted to you. And it's a habit that pays dividends over time.Understanding the Time Value of MoneyOne of the most powerful lessons a student can learn is the time value of money. It's often a reminder of the orderly nature of the God we serve since there's a logic to how money grows over time. And in every financial equation, time is the most powerful variable.Scripture encourages us to think this way. Psalm 90:12 asks God to “teach us to number our days,” and Ephesians 5:15–16 tells us to “redeem the time.” For students, this means starting early: saving early, giving early, and stewarding their resources early. That's where the real impact lies.Money also has momentum. It moves quickly. And in college, that momentum usually comes through small, frequent purchases: coffee runs, streaming subscriptions, and fast food. These little expenses add up and build financial habits, whether you realize it or not.Being aware of how money flows—and having a plan for it—is what budgeting is all about.Tools That Actually WorkToday's students are digital natives. They're not going to carry around envelopes of cash. Of course, we recommend the FaithFi app because it's easy to use, customizable, and based on biblical principles. If you're a student (or a parent helping one), it's a great place to start. You can check it out at FaithFi.com and click “App” or download it from your app store.At some point, students need to begin taking ownership of certain expenses, such as gas, clothes, and possibly even their phone bill. We encourage families to approach this like a team sport: communicate when and which expenses will be transferred from parent to student, then open a bank account and create a game plan together. That transition is not just financial—it's formative.Working during college isn't just about making money—it's about learning responsibility. Students can find part-time jobs that offer both flexibility and impact. Perhaps that involves working at a hospital if you're studying nursing, or obtaining a referee certification or barber license for higher-ROI opportunities. Work that aligns with your career goals is a double win.What About Credit?Credit is another topic that comes up often. Should students start building credit now or wait until later? Either option can work, but there are advantages to starting early, wisely. We usually suggest a secured credit card paired with a basic expense, such as gas. It's easy to track and builds a positive credit history. The key, of course, is paying it off every month.Pitfalls to Watch Out ForLet me leave you with a warning: shortcuts are tempting. College students are particularly vulnerable to the allure of quick money, exemplified by the growing trend of sports betting on campuses. I believe it's a modern gateway drug. It's addictive, dangerous, and it escalates quickly.1 Timothy 6:9 warns, “Those who want to get rich fall into temptation and a trap…” This isn't just theoretical—it's real. Good stewards don't chase shortcuts. They honor time, build slowly, and trust God with the results.College is the ideal time to establish a solid financial foundation grounded in biblical wisdom. You've got time on your side—but only if you use it well. Start now. Budget with intentionality. Steward with purpose. And watch what God does over time.On Today's Program, Rob Answers Listener Questions:I'm leasing part of my 55-acre property for a cell tower under a 59-year agreement. The monthly payments will go into my account, and I'd like to invest them in something that compounds monthly or more frequently. With my two sons and their families living on the land as well, I'm hoping to grow this income into long-term, generational wealth. What's the best strategy?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit UnionSchwab Intelligent Portfolios | BettermentList of Faith-Based Investment FundsWisdom 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.

College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn’t cut it. We often say that everyone needs a budget, and for college students, that might be even more crucial. On the next Faith & Finance Live, Dr. Kelly Rush joins Rob West with practical budgeting advice every college student should hear. Then, Rob tackles your financial questions. Listen for Faith & Finance Live, where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

THIS IS A SEGMENET FROM A PATREON EXCLUSIVE EPISODEWe all know money is the number one killer of artistic dreams. In this episode the boys confront the uncomfortable truth about why budgeting feels impossible when you're pursuing work that feeds your soul more than your bank account. From the emotional mindf**k of tracking expenses to the harsh reality that most artists would rather stay financially ignorant than face the numbers, this conversation cuts through every excuse we tell ourselves about money. This episode offers a practical framework for taking control of your money without killing your artistic dreams.Join our Patreon for ad-free early access to episodes, exclusive discounts, weekly Q&As, and so much more. Visit https://www.patreon.com/CreativeRiskPodcast today!Submit your story to Raw & Rising, the mini-series spotlighting hustling creatives—those self-producing, diversifying their income, and tackling challenges head-on. Visit www.artists-strategy.com/creative-risk to pitch your story today. —Thanks for listening!Join our email list for our weekly newsletter with deep insight on our personal artistic journeys: www.artists-strategy.com/signupSubscribe on Apple Podcasts: podcasts.apple.com/us/podcast/creative-risk/id1706381310Subscribe on Spotify: open.spotify.com/show/5hzvD8HgCjOo1NcA5zBDN4?si=404a2369523a45cbFollow Us on IG: www.instagram.com/creativeriskpod/Follow Us on TikTok: www.tiktok.com/@creativeriskpod— “CREATIVE RISK”, is a new podcast hosted by actors Joshua Morgan and Mike Labbadia of Artist's Strategy where they explore all things art, entrepreneurialism and everything in between. The acting industry is more volatile and competitive than ever before, therefore the artist must evolve in order to take radical ownership over their creative businesses. Each episode, Mike and Joshua will get raw and unfiltered, giving hot takes and cutting edge strategies on how to build a sustainable career in the arts.

Send us a textWhat if your biggest money struggles weren't because you're “bad with money” but because your brain just works differently?In this episode, we are joined by Nicole Stanley, the owner and head money coach at Arise Financial Coaching. Her mission? Shame-free, accessible financial education that empowers women. As a Latina entrepreneur and personal finance expert, Nicole paid off significant debt and grew her family's net worth through investing. This sparked her passion for helping women build wealth and transform their communities.She discusses her personal experiences with money management, the impact of ADHD on finances, and how she leverages her expertise to help others. She provides practical advice on budgeting, setting financial goals, and avoiding common pitfalls. Nicole emphasizes the importance of making money management fun and shame-free, especially for those with ADHD. 00:00 Intro00:13 Nicole's Financial Journey01:29 Early Financial Struggles and Successes03:29 Starting Arise Financial Coaching15:06 The Role of Financial Coaching21:03 ADHD and Money Management28:58 Practical Tips for Managing Money with ADHD33:35 Defining Financial FreedomNicole's story proves that no matter your starting point (or how your brain works!) you can take control of your money. So how do you help the next generation build that same confidence? Join us for Money Talks on July 17 and learn how to teach teens what really happens to their first paycheck, so you can empower them early and set them up for long-term success. Click here to register for FREE and bring your questions!Got a unique financial story to share? Whether it's about crushing debt, building wealth, an unexpected windfall, or just a wild money moment, we want to hear it! If you're a financial coach, attorney, CPA, or work in any area that empowers women financially, your story could inspire our community of women. Fill out our intake form here!Follow & connect with Nicole:FacebookWebsite InstagramConnect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

In this episode, Tyler talks about the disconnect between what builders show in an estimate and what clients truly need to understand. He dives deep into why leading with transparency, breaking down the budget, and walking clients through each line item creates trust, protects your margins, and actually helps win more jobs. By shifting from defending your price to explaining your value, you transform how clients perceive your worth—and how your business operates. Show Notes:  Transparency in Pricing and Client Trust (0:00) Differences in Contractor Approaches (3:47) Value Proposition and Client Education (6:12) Justifying Costs and Building Trust (9:05) Protecting Margins and Meeting Client Needs (14:20) Client Education and Value Engineering (24:11) Community Support and Personal Reflections (29:17) Video Version: https://youtu.be/p6b262PIv6Q   Partners:  Andersen Windows Buildertrend Velux Harnish Workwear  Use code H1025 and get 10% off their H-label gear   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media  

Ben Bridwell is the President of Chargebacks911. Chargebacks911 specializes in helping businesses manage and prevent chargebacks, which are forced reversals of customer transactions by their banks. They offer a range of services, including identifying the root cause of chargebacks, helping merchants fight illegitimate chargebacks, and providing tools for chargeback prevention. In this Restaurant Unstoppable Network workshop, Ben will take us through the 5 major keys to understanding how chargebacks work and just how you can prevent the fraudulent cases.  If you'd like to work with Chargebacks911, please use our affiliate link: https://www.restaurantunstoppable.com/cb911 -OR- email Eric for a personalized introduction! eric@restaurantunstoppable.com  Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Website: https://chargebacks911.com Affiliate link: https://www.restaurantunstoppable.com/cb911 Contact Eric for a personalized introduction: eric@restaurantunstoppable.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.”With those words, Warren Buffett reminded us that character and integrity matter—especially in the world of money. Now, after more than sixty years of market-shaping moves and famous one-liners, Buffett is calling it a career. Today, Matt Bell joins us to reflect on his legacy and share what timeless lessons every investor can learn from it.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. A Track Record That's Hard to IgnoreIf you had invested $100 in Berkshire Hathaway back in 1965, that single investment would have grown to over $5.5 million by the end of last year. Compare that with the S&P 500 over the same period, which would have turned $100 into just $39,000. Clearly, Buffett did something different.One unconventional move? He never issued dividends for Berkshire Hathaway, instead reinvesting profits to increase share value. That patient, long-view approach paid off—and it hints at biblical principles like delayed gratification and wise stewardship (Proverbs 21:20).Buffett famously said, “Be fearful when others are greedy and greedy when others are fearful.” While Christians would rightly reject greed and fear as motivations, the deeper principle here is about remaining steady and disciplined in volatile times—echoing Proverbs 14:15: “The simple believe everything, but the prudent give thought to their steps.”Buffett often waited with cash on hand until the right opportunities appeared, especially during downturns. That patience and discernment mirrors biblical instruction to avoid impulsiveness and instead seek wisdom in decision-making.Investing Lessons With Biblical ParallelsOver the years, Buffett offered dozens of pithy insights that mirror biblical truth. Here are a few standouts:“If you don't find a way to make money while you sleep, you'll work until you die.”—This speaks to the wisdom of putting money to productive use—earning a return through thoughtful investing, a principle echoed in the Parable of the Talents (Matthew 25). “Risk comes from not knowing what you're doing.”—In Proverbs 15:22, we're reminded that “Plans fail for lack of counsel, but with many advisers they succeed.” Financial ignorance creates risk, but biblical stewardship calls for wisdom and learning. Diversification, emotional control, and long-term vision—Buffett emphasized all three. These align with a measured, prudent approach to money that Scripture continually encourages.Buffett never let global turmoil shake his confidence in long-term investing. He wrote, “In the 20th century, the U.S. endured world wars, recessions, a depression, oil shocks, and more—yet the Dow rose from 66 to 11,497.” His takeaway: “It's been a terrible mistake to bet against America.”While our hope as Christians isn't rooted in any one nation's economy, Buffett's long view reminds us of the value of endurance and not making decisions based on fear or short-term noise (see James 1:5–6).Generosity and LegacyPerhaps most inspiring is Buffett's commitment to give away 99% of his wealth. He plans to direct his Berkshire Hathaway shares toward philanthropic causes within ten years of his estate being settled. While we may differ on where those funds go, the posture of open-handed generosity reflects Jesus' teaching: “It is more blessed to give than to receive” (Acts 20:35).Buffett's success wasn't just about intellect—it was about character: discipline, patience, and generosity. These are values every believer is called to cultivate. As you manage your resources, consider how biblical principles—often echoed in even the most unlikely places—can shape a wise, faithful financial life.To explore these ideas further, read Matt Bell's full article, The Wisdom of Warren Buffett at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've never had a credit card before, but I recently received a pre-qualified offer from Capital One. They mentioned they've reviewed my credit and noticed I'm keeping up with my bills. Should I consider applying for this card, and how can I verify that the offer is legitimate?As a grandmother, I'm concerned that my grandchildren aren't learning essential financial skills from their parents. I'd love to step in and help, especially with my 20-year-old grandchild. What is the best way to encourage them to save money and manage their finances wisely?Over the past couple of years, God has really blessed me with increased income, and I'm incredibly grateful. I live simply, help my parents, and avoid lifestyle inflation—but I want to make sure I'm handling this increase in a way that honors God. How can I manage this money with biblical stewardship in mind?I'm in a strong financial position—no debt, and I tithe faithfully. I just received $15,000 from selling off some business assets and want to invest it wisely. I'd like it to earn a good return, but I also want it to remain accessible if needed. What are some smart options that fit my situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingThe Wisdom of Warren Buffett by Matt Bell (Sound Mind Investing Article)Bankrate | NerdwalletOpen Hands FinanceChristian Community Credit UnionWisdom 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.

What is Revenge Saving? What is Revenge Spending? Why is any of this important and how do you use it to your advantage? In this week's episode Shawn & George define Revenge Saving - basically a mindset to save regardless of your personal financial condition.  Instead of spending without regard to your budget (Revense Spending), you save without regard to your budget.   How do you know if you're Revenge Saving? Take Your Money Temperature Use Reverse Budgeting Create Separate Accounts for Different Savings Goals or Anticipated Expenses Adjust Your Savings Rate. If you want more information, you can read these articles: Revenge Saving Can Boost Your Bottom Line The New Trend In Personal Finance: Revenge Spending Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit  www.YesnerLaw.com.  

In this episode of FP&A Tomorrow, host Paul Barnhurst welcomes Adam Rakich, founder and Consulting Director at North Texas, to discuss why the budgeting process is universally loathed and how to fix it. Drawing from decades of experience implementing planning and consolidation systems, Adam shares strategies to transform budgeting from a burdensome task into a strategic advantage. With humor, insight, and plenty of real-world experience, Adam breaks down common pitfalls and offers practical, actionable advice for finance professionals at every level.Adam Rakich has spent over a decade streamlining finance processes across industries, working with top software platforms like Adaptive Insights, Workday, and OneStream. As the author of The Business User's Guide to Data Integration, he is known for making complex finance concepts accessible, especially to non-technical professionals. At North Texas, Adam helps organizations build better, more collaborative FP&A functions without the pain.Expect to Learn:Why most budgeting processes are broken and how to shift the mindset to fix them.The importance of soft skills in elevating finance's strategic impact.How to avoid the "Jurassic Park" trap of doing more just because you can.The value of driver-based planning and why simplicity often beats complexity.The "James Bond Philosophy" of budgeting: when to seduce and when to take a firmer stance.Here are a few quotes from the episode:"The James Bond approach to budgeting: seduce when you can, shoot when you have to metaphorically, of course." - Adam Rakich"Pick your battles. If you ask for everything, people will tune out and give you nothing." - Adam Rakich"Budgeting works best when it's not adversarial. Finance shouldn't be the department of ‘no'." - Adam RakichAdam shared valuable insights into why budgeting processes often fall short and how a shift in mindset can make all the difference. He emphasized the power of simplicity, the role of soft skills in finance, and the importance of involving stakeholders in meaningful ways. His practical advice on driver-based planning, managing expectations, and building strong business relationships offers key takeaways for finance professionals looking to lead more effective and collaborative FP&A functions.Corporate Finance Institute: You know the numbers. Now it's time to own the story.The new FP&A Professional (FPAP) Certification from CFI is built for finance professionals who want to lead with insight-not just report the data.Learn more at: https://corporatefinancialinstitute.pxf.io/c/6003589/3067930/23723Follow FP&A Tomorrow:Newsletter - Subscribe on LinkedIn - https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6957679529595162624 Follow Adam:LinkedIn - https://www.linkedin.com/company/northexis/Website - https://northexis.com/Follow Paul: Website - https://www.theFP&Aguy.com LinkedIn - https://www.linkedin.com/in/thefpandaguyEarn Your...

Do you understand the true importance of a solid budget? Shannon calls this your 'profit plan,' and explains how to categorize expenses into fulfillment costs, acquisition costs, and operating costs. She provides actionable strategies for ensuring your business remains profitable despite variable monthly profits. Learn how to analyze your profit and loss statement, identify areas of overspending, and make conscious decisions about investments in marketing and personal versus team development. Tune in to understand how to adapt your budgeting based on your business's current season and priorities.   What you'll hear in this episode: [0:45] Understanding Operating Profit [1:30] Budgeting for Profitability [2:05] Analyzing Business Expenses [3:05] Setting Financial Targets [4:35] Addressing Overspending Issues [5:20] Optimizing Acquisition Costs [6:20] Managing Operating Costs [7:55] Strategic Budgeting Decisions [9:45] Maintaining Consistent Margins   Learn more about our CFO firm and services: https://www.keepwhatyouearn.com/   Connect with Shannon: https://www.linkedin.com/in/shannonweinstein Watch full episodes: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Follow along on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. We love enthusiastic action, but please consult a qualified professional before implementing anything you learn.  

“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'” - Hebrews 13:5Sports betting is more popular—and more accepted—than ever, even among Christians. But is it just harmless fun, or something more? Dr. David W. Jones returns to our financial ethics series to help us examine what Scripture says about gambling and how believers should approach it.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.What Does Scripture Say About Gambling?Proverbs 13:11 reminds us that:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”Gambling, which includes sports betting, bypasses God's designed rhythm of work and reward. 1 Timothy 6:9 warns that the desire to get rich quickly leads people into “ruin and destruction.” These verses challenge the notion that a fast win is simply a blessing—it may erode character.Is it always wrong to bet on a game with friends? Not necessarily. A one-time bracket pool during March Madness may not signal a deep moral compromise. But we must ask: Is this behavior occasional and harmless, or has it become habitual and idolatrous?The difference lies in the heart. It's not that gambling created the idolatry of money or sports—it revealed it. And perhaps in God's grace, it's giving us an opportunity to examine what we truly worship.The Stewardship QuestionEvery financial decision we make is a stewardship decision. Psalm 24:1 reminds us:“The earth is the Lord's and everything in it.”So before we spend God's money—even on entertainment—we must ask: Is this wise? Does this reflect my faith? Does it honor the Lord?We must start to think through whether our spending on gambling—even recreationally—glorifies God. That doesn't mean all entertainment is wrong. But we are called to be faithful managers of what belongs to God, and some forms of entertainment carry higher risks than others.Beyond personal stewardship, Christians must consider what they're supporting. The gambling industry is responsible for significant harm. Studies show that 1 in 5 gambling addicts attempt suicide, and addiction is rising fastest among young adults, according to the American Psychological Association.For those in the church, we must acknowledge this cultural shift and lovingly walk alongside people through it, offering them truth, grace, and accountability.Idolatry, Discontentment, and the Way BackSports betting may be legal, but legality is not the same as morality, and morality isn't always wisdom. If your habits reflect discontentment or a misplaced trust in money, that's a red flag.But there's hope. These things are not the unpardonable sin. 1 John 1:9 reminds us: “If we confess our sins, He is faithful and just to forgive us... God is always ready to receive us.”Isaiah 26:3 also says:“You keep him in perfect peace whose mind is stayed on You, because he trusts in You.”If you're struggling with a gambling habit or questioning your motivations, seek accountability at your local church. And if addiction is involved, please pursue professional help. Freedom is possible—and peace is found not in the thrill of a win, but in keeping your eyes on Christ.Remember: just because it's permissible doesn't mean it's wise. True freedom is found not in betting on uncertain outcomes, but in trusting the God who holds the future.On Today's Program, Rob Answers Listener Questions:I'm trying to understand where tax-free municipal bonds might fit into my overall investment strategy. How can they be used effectively for tax efficiency and generating income, and when would it make sense to include them in a portfolio?I have $19,000 sitting in an old 401(k) account, and I'm considering transferring it into a fixed annuity. I'm not retired yet and plan to return to work in the school system. One option offers lifetime income starting at age 74, but I'm not sure if that's the best use of my funds. What should I consider before making this decision?I'm in the process of updating my will now that I've moved to Texas. I'm wondering if it would be more in line with God's will to allocate a percentage of my estate to the three nonprofit ministries I support, rather than dividing everything evenly among my three children. How should I think through this decision from a biblical perspective?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom 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.

Feeling scattered, anxious, or just plain overwhelmed every Sunday? You're not alone! But it doesn't have to be that way. In this episode, we're walking you through our go-to Sunday reset practices to help you feel grounded, organized, and ready for the week ahead. From meal planning and calendar reviews to laundry, budgeting, and even relationship check-ins, this is your permission to slow down and reset with intention. Say goodbye to the chaos, and hello to a Sunday that actually fuels you. In between a big decision? Need advice? Drop a voice message and we'll answer it live on the podcast. Or submit a written question here if voice notes aren't your thing. //@inbetween.pod//@astridjohanaphoto//@alexisteichmiller

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15In an age where scams are becoming more sophisticated by the day, Scripture reminds us that discernment isn't optional—it's essential. As believers, protecting the resources God has entrusted to us is more than a practical concern—it's an act of stewardship. Here's how you can guard your finances with wisdom, not fear.Scams Are Everywhere—But So Is WisdomFraudsters use every channel available: phone calls, text messages, emails, and even impersonations of people you trust. But as followers of Christ, we're not called to panic. We're called to walk in wisdom (Ephesians 5:15). That begins with slowing down and thinking critically.Pause before you respond. Scammers rely on urgency. If someone pressures you to act immediately—whether claiming your account is locked or your money is at risk—take a step back. Hang up. Verify the source independently. Urgency is often a red flag. Avoid untraceable payments. No legitimate organization will ask for payment via wire transfer or gift cards. These are the preferred tools of scammers because they're nearly impossible to recover.Practical Steps for Digital ProtectionFinancial stewardship now includes digital awareness. Here are practical ways to protect yourself and your family:Use credit cards, not debit cards, for online purchases. Credit cards usually come with stronger fraud protection. Enable two-factor authentication (2FA) on all your financial accounts. Even if a scammer gets your password, they can't access your account without a second form of verification. Don't reuse passwords. Use a secure password manager, such as Bitwarden or NordPass, to create and store strong, unique passwords. Set up account alerts. Most banks allow you to monitor activity in real-time, giving you a heads-up if something unusual occurs. Freeze your credit. It's free to do and offers one of the best defenses against identity theft. You can always unfreeze it temporarily when needed. Avoid public Wi-Fi for financial transactions. Wait until you're on a secure network or at home to check your bank accounts or make purchases. Limit what you share on social media. Personal details, such as birthdays or family names, can be used to guess passwords or security questions. Adjust your privacy settings and post wisely. Shred sensitive documents before discarding them. Even in the digital age, identity thieves still dig through trash. Don't click on unfamiliar links, even if they appear to come from someone you know. When in doubt, contact the person or organization directly for clarification.Stewarding Wisdom in CommunityScammers often target the vulnerable, particularly older adults and teenagers. So make this a shared effort. Discuss online fraud with your family. Equip them with knowledge. If you receive a letter or email about identity protection following a data breach, verify it by contacting the company directly, rather than through the provided link or number.Financial faithfulness today includes digital vigilance. But there's no need for fear. By taking these simple steps, you can walk confidently, knowing you're stewarding God's resources with care.A Tool for Wise Stewardship: The FaithFi AppLooking for a practical way to manage your money with wisdom and peace of mind? The FaithFi app is a secure tool that helps you track your spending, plan your giving, and align your finances with biblical values. With 256-bit encryption, your data is protected, and your login credentials are never stored. FaithFi Pro users also receive exclusive articles, digital devotionals, and daily encouragement.Visit FaithFi.com and click “App” or search “FaithFi” in your app store to get started today.Steward your finances wisely. Protect what God has entrusted to you. And walk in peace, not panic.On Today's Program, Rob Answers Listener Questions:My 14-year-old son just started his first full-time summer job, working around 37 to 40 hours a week. I'd like to help him get started with investing and am considering opening a Roth IRA in his name. What's the best way to set that up, and where should we go to open the account?We're debt-free and recently bought a home. Our current vehicle is paid off, but we're thinking about adding a second car with a monthly payment of around $500. I'm a little uneasy about the added expense. How can we determine if this is a wise financial move for us at this time?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Dr. Art RainerThe Finish Line PledgeSchwab Intelligent Portfolios | BettermentBitwarden | NordPassWisdom 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.

Evan LeRoy is a Co-Owner at LeRoy and Lewis in Austin, TX. Evan was featured on the show back in 2018 for episode 582. Back then, LeRoy and Lewis was a food truck that began in 2017, a year prior. The brick and mortar LeRoy and Lewis opened in February of 2024. This year, the restaurant won a Michelin star!  Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's gues recommends:  Toast Sling Guest contact info:  Instagram: @evanleroybbq Instagram: @leroyandlewis YouTube: https://www.youtube.com/@ChudsBbq YouTube: https://www.youtube.com/@LeRoyandLewisBBQ Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

This episode dives deep into understanding operating profit or net profit, a metric crucial for any entrepreneur or business owner. Learn how to measure and manage your operating profit effectively, why it's essential to look at it as a percentage of sales, and how to balance acquisition costs, operating expenses, and your overall budget for sustained profitability. Shannon also touches on practical tips and actionable steps to ensure your business remains profitable even when overhead costs are unpredictable. Tune in and discover how to strategize your finances better and avoid the common pitfalls that can eat away at your profits.   What you'll hear in this episode: [0:45] Expanding on the Profitable Scaling Playbook [1:45] Understanding Operating Profit [5:05] Analyzing Operating Expenses [5:40] Budgeting and Profit Planning [9:25] Practical Steps for Managing Expenses [10:05] Conclusion and Next Steps   Learn more about our CFO firm and services: https://www.keepwhatyouearn.com/   Connect with Shannon: https://www.linkedin.com/in/shannonweinstein Watch full episodes: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Follow along on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. We love enthusiastic action, but please consult a qualified professional before implementing anything you learn.