Podcasts about budgeting

(3:00) Ousmane Kromah thoughts(5:00) Will Tommy be a "point guard" or "shooting guard"(9:00) Who will last the longest at FSU?(14:00) Generating Discussion sparked by Cummins(26:00) How to budget $20.5M(38:00) Who's on a post-2005 era FSU Mt Rushmore(41:00) A world where Howser relocates to IM FieldsMusic: Motion City Soundtrack - She Is Afraidvitaminenergy.com | Shake it and take it!

(3:00) Ousmane Kromah thoughts(5:00) Will Tommy be a "point guard" or "shooting guard"(9:00) Who will last the longest at FSU?(14:00) Generating Discussion sparked by Cummins(26:00) How to budget $20.5M(38:00) Who's on a post-2005 era FSU Mt Rushmore(41:00) A world where Howser relocates to IM FieldsMusic: Motion City Soundtrack - She Is Afraidvitaminenergy.com | Shake it and take it!

“Everyone also to whom God has given wealth and possessions and the power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.”  - Ecclesiastes 5:19What if true joy doesn't come from gaining more, but from gratefully receiving what God has already provided? Today, John Cortines joins us to explore what he calls the Cycle of Grateful Living—and how it transforms our approach to money and contentment.John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.The Heart of Ecclesiastes: Joy as a GiftEcclesiastes 5:18–20 forms the foundation of our new Wisdom Over Wealth study:“It is good and fitting to eat and drink and find enjoyment in all the toil... this is God's gift to man... God keeps him occupied with joy in his heart.” - Ecclesiastes 5:18–20These verses, nestled within the longest section on money in the book, offer a radical invitation: rather than striving for more, we're called to enjoy what we've already received. Even the ability to enjoy life's blessings is a divine gift.Introducing the Cycle of Grateful Living: E.A.T.To help us live out this vision, here's a simple acronym from Ecclesiastes 5:19: E.A.T.—Enjoy, Accept, Toil.Enjoy God's ProvisionEverything we have—our wealth, relationships, health, and even the capacity to enjoy them—is a gift from God. Acknowledging this turns entitlement into gratitude and replaces striving with trust. Accept Life's BrevityEcclesiastes frequently reflects on death, not to breed fear, but to awaken us to the preciousness of life. Acceptance of our limits and mortality grants deeper purpose and contentment in the present moment. Toil with JoyWork is not something to escape from. Ecclesiastes calls us to rejoice in our toil. True fulfillment isn't found in early retirement or unending leisure, but in the meaningful work God places before us.What Gets in the Way?Gratitude can often feel elusive in the routines of everyday life. Often, we slip into discontent when we:Take God's provision for grantedIgnore life's brevity and live mindlesslyComplain about work instead of finding purpose in itThe world's promises—especially those of financial independence or early retirement (FIRE)—can become mirages. We've probably all been there, dreaming that if we work hard and save enough, we will someday be free. But that vision of life can be so hollow because the human condition is to be oriented to purpose, to work. Even if you're retired, it's not so you can sit on a beach for 20 years.We were made to participate in God's creative, redemptive work. That's why embracing our toil with joy brings far more satisfaction than escaping it.Wealth Without Joy: A Modern ParadoxWhile many of us live more comfortably than royalty of past centuries—with cars, clean water, air conditioning, and vacations—anxiety and discontent remain widespread.Billionaires are often no happier than the rest of us. Without a grateful heart, even abundance can feel empty.The Cycle of Grateful Living isn't just about how much we have—it's about how we relate to what we have. It teaches us to stop chasing wealth and start engaging with it through the lens of joy, acceptance, and purpose.From Ecclesiastes to Jesus: A Unified MessageJesus echoes the wisdom of Ecclesiastes in Luke 12. He reminds us of the birds and flowers—simple creatures that don't worry, yet are lovingly provided for by God.“Consider the lilies, how they grow... If God so clothes the grass... how much more will he clothe you, O you of little faith!” - Luke 12:27–28James 1:10–11 also makes a similar connection where riches are likened to wildflowers—beautiful for a moment, but quickly fading. The message is clear: our time is brief, but God is faithful.So, how should we respond? By living present to God's provision, content in our limitations, and faithful in our work.Ecclesiastes 5:20 offers a powerful conclusion:“He will not much remember the days of his life, because God keeps him occupied with joy in his heart.”What does this look like practically? It's about presence. A life that's not dominated by worry or comparison, but one that's centered on Jesus. It's a heart too full of gratitude to be caught up in regret.Invite Jesus Christ into this moment. Ask for help to enjoy what He's provided, to accept this season, and to do today's work with joy.Every generation has had its turn. Ours is now. The call of Ecclesiastes is to live wisely in the present, not with frantic striving, but with deep joy, humble acceptance, and faithful effort.We're like the birds and flowers. Here for a precious moment, sustained by the generous hand of God. Let's embrace the Cycle of Grateful Living.Want to Go Deeper?If you're ready to experience joy in the everyday and live a grateful life rooted in God's wisdom, check out Wisdom Over Wealth, written by John Cortines. This month, when you give a gift of $35 or more, we'll send you a copy as our way of saying thank you for supporting this ministry. Visit FaithFi.com/wisdom to learn more.On Today's Program, Rob Answers Listener Questions:I'm retired and own my home, but I'm facing some financial trouble. A lien was just placed on my house, and I'm worried I might lose it. I also have more than $3,000 in credit card debt, and I'm unsure of the following steps to take.I was recently at the bank and they offered me a HELOC, even though I don't really need one. They ran a hard credit check, and I noticed the credit score they showed was over 20 points lower than what I had seen on my own report. Why is there such a big difference?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.

Need to systemise your clinic? Start your free trial of Allie!https://www.allieclinics.com/In episode 305 of the Grow Your Clinic podcast, CM Team Ben Lynch, Jack O'Brien and Hannah Dunn dive into the crucial topic of retaining top team members by designing effective career pathways. The conversation highlights the importance of understanding what matters to both clinic owners and their team members, as roles evolve and change. Listeners can expect valuable insights on creating a meritocratic environment in private practice and how to implement impactful career progression strategies. Additionally, the episode features a unique analogy shared by Jack about how a display home package can simplify the process of defining career pathways in a clinic settingWhat You'll Learn:

Thom Crosby is the CEO of Pal's Sudden Service, HQ'd in Kingstwon, TN. Pal's Sudden Service was first opened in 1956 in Kingstown, TN. Thom came on board in 1981 to help them grow. Thom's experience prior to Pal's was in corporate McDonald's and corporate Long John Silvers, as well as a franchisee with Wendy's. Today Thom is the CEO of Pal's and the company has 31 locations. All but 2 Pal's locations are drive-thru only.  Thom is a true believer and member of McClaskey Excellence Institute. David McClaskey was featured on the podcast, episode 1182, and you can learn more about him and his company here: https://www.restaurantunstoppable.com/mcclaskey-institute 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 guest recommends: McClaskey Excellence Institute Guest contact info:  Website: https://www.palsweb.com/ Email: thom@palsweb.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” - Luke 16:11What if managing money is about more than just numbers and budgets—what if it's a window into something eternal? Afton Phillips joins us today as we explore the mission behind the message you hear every day on this program, and how you can be a part of it.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind the MissionSo why focus so much on finances?Because how we handle money reveals what we treasure most. At FaithFi, we want to help people experience freedom, peace, and generosity—not just from better budgeting, but from surrendering their hearts to God.It's a message that resonates with people in all seasons of life. Whether you feel boxed in by a budget or anxious about a financial decision, each of those moments is an invitation to reflect on your heart and trust in Christ. We are already living in abundance with the love of Christ.The Common Struggles We All FaceHere are the three biggest challenges that Christians often face when it comes to faithful money management:Trust vs. Security–It's easy to place our hope in financial stability rather than in God.Comfort vs. Generosity–Culture tells us to accumulate, but God calls us to live open-handedly.Identity vs. Worth–We're constantly tempted to measure our value by our bank accounts rather than who we are in Christ.That's why the resources we offer—from our studies to our podcast—aren't just about financial literacy. They're about spiritual formation. The concepts we talk about are an intentional reset. They help us move away from the emptiness of accumulation and toward peace that's rooted in Christ.Why Ecclesiastes Still Speaks TodayFaithFi's newest Bible study, Wisdom Over Wealth, takes readers through the book of Ecclesiastes. This book speaks directly to our modern struggles with meaning, anxiety, and financial pressure.There may not be another book in the Bible that talks about death more, so it really forces you to ask: What really matters? When you realize how short life is, you start to live more intentionally, and that includes how you manage your finances.Rather than treating money as ultimate, Ecclesiastes helps us see it as a gift. Something to be enjoyed, yes—but also stewarded wisely under God's authority.FaithFi's Tools for the JourneyIf you're new to FaithFi, here's a quick look at the resources we offer to help believers apply biblical wisdom to their financial lives every day:Radio + Podcast: Our daily conversations bring timeless biblical wisdom into your financial life.FaithFi App: A free, easy-to-use budgeting tool that helps you align your spending with eternal values—and includes a community of other believers on the same journey.High-Quality Articles and Content: Each week, we share insightful content from leading voices in Christian finance, designed to help you connect your faith with everyday financial decisions.Bible Studies + Devotionals: Deep dives into Scripture that explore God's heart for money and stewardship.Faithful Steward Magazine: A beautifully designed quarterly publication filled with quick reads, practical tips, and theological insights.How You Can Support the MissionAs we approach the end of our fiscal year (June 30), FaithFi is inviting listeners to join our mission by becoming a FaithFi Partner.Here's what your partnership makes possible:Continued production of biblical, practical resources like this radio program.Expansion of studies and devotionals that transform lives.Investment in tools like the FaithFi app that meet people where they are.A monthly gift of $35 or an annual gift of $400 qualifies you for our FaithFi Partner Program. That means you'll receive:Two studies or devotionals each yearThe Faithful Steward magazine, each quarterPro access to the FaithFi appMinistry updates and a sense of shared purpose in Kingdom workWe know this message has the power to change lives because we've seen it. When Christians align their hearts with God's design for money, they can have a global impact.We're incredibly grateful for those who make this ministry possible. If you'd like to become one of the 50 new partners we're praying for this month, visit FaithFi.com/give today. Let's help more people see God as their ultimate treasure.On Today's Program, Rob Answers Listener Questions:Besides the annual percentage rate, what other factors should I compare when shopping for a mortgage? Additionally, is there a typical range for origination fees and closing costs?My husband and I are struggling to tithe because we disagree with how our church is spending the money. We feel like we're the only ones concerned, and it's hard to give when we believe the funds could be used more wisely. Are we in the wrong for feeling this way? Should we continue tithing anyway?I contributed to a traditional IRA, thinking it was a wise move, but now that I'm retired, I'm in a higher tax bracket than when I earned the income. Are there any strategies to reduce the tax burden in this situation?I want to help my child purchase their first home. Would it be more cost-effective to cosign on their mortgage, or take out a home equity loan myself and pay off the mortgage directly while they repay me? I'm trying to minimize closing costs and fees.I've been hearing more about deed fraud lately. What steps can homeowners take to protect their property from being targeted?Someone told me I might be eligible to collect Social Security based on my husband's record. Is that true, and how does it work?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.

Concerned about the economy and looking to save more, many people are turning to warehouse clubs. The price difference is real. But Clark has concerns about what his beloved Costco is up to with a new payment option he does NOT recommend. Also, the debt burden many of us carry is also very real. Clark discusses how people are working on getting out of debt.  The Warehouse Club Difference: Segment 1 Ask Clark: Segment 2 Dealing With Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Inflation-weary Americans queue for toilet paper and cheap Bordeaux Warehouse Clubs Archives - Clark Howard Why 'Buy Now, Pay Later' Worries Clark Howard What Is FedNow?  /  ⁠Clark.com Community - Paze⁠ Why Clark Says You Should ‘Ignore' Paze as Trendy New Payment Option Debt Archives  //  Budgeting & Saving Archives - Clark Howard 30 Easy Side Hustle Ideas How to Make Extra Money: 35 Easy Ways How Do Student Loans Work? 7 Things to Know Is It Ever OK To Co-Sign a Loan With a Family Member? What's the Best Savings Account for a Teenager? Fidelity Investments Review: Pros & Cons How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Chad Rocke's Real Estate Flip Journey: Key Lessons on Budgeting, Permits, and Project Management  Are you considering flipping a house but unsure about the risks and rewards? In this episode Chad Rocke, the lead agent at The Five Team, returns to share his firsthand experience from a recent real estate flip. He discusses the challenges and key lessons learned, offering listeners valuable insights into the realities of house flipping.   Chad talks about the financing process, managing contractors, budgeting for unexpected expenses, and navigating difficult decisions like whether to pull permits. This episode is packed with practical advice that anyone in real estate or aspiring to flip houses can learn from. Tune in to hear about the lessons that Chad picked up through this process, and how these experiences shaped his approach to future investment opportunities.   PODCAST HIGHLIGHTS:  [03:45] Chad Rocke introduces his latest flip and how he got involved in the project.  [07:00] Chad reflects on past experiences and lessons learned from his earlier ventures.  [12:27] The choice of property in Evergreen and the challenges of flipping in remote locations.  [14:19] The importance of hiring trusted contractors and managing risk effectively during renovations.  [17:42]  Discussing financing strategies: the role of business credit and credit card stacking.  [20:35] Understanding the costs involved in flipping: from plumbing to electrical work.  [24:40] Decision-making behind property upgrades and keeping costs within budget.  [27:39] The challenges and risks of buying properties with issues like septic systems.  [33:30] The sale process: final steps to selling and the buyer's reaction to the property.  [37:00] Financial breakdown: how the flip cost and timeline affected the final outcome.  [41:30] The best advice that shaped his real estate journey: take calculated risks, follow proven success strategies.     HOST  Craig Curelop     

“Then I saw that all toil and all skill in work come from a man's envy of his neighbor. This also is vanity and a striving after wind.” — Ecclesiastes 4:4Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we'll look at how chasing approval leaves us empty—and how God invites us into something much greater.The Idol of StatusThe Bible Project says Ecclesiastes “targets all the ways we try to build meaning and purpose in life apart from God.” It gives voice to the Preacher, who carefully exposes the emptiness of paths like pleasure, wealth, and status. In recent weeks, we've looked at the idols of pleasure and accumulation. Today, we turn to the idol of status.This one can be harder to spot. The line between excellence and envy is thin. Ecclesiastes 4:4 says, “Then I saw that all toil and all skill in work come from a man's envy of his neighbor.” That's a striking thought. Our motivation may not be love of the work or calling—it's often the quiet urge to compete. To keep up. To be seen.That's what status does. It whispers, You're not enough—unless others notice you. And without realizing it, our careers, spending, and even our generosity, can become ways of proving our worth.“Keeping up with the Joneses” isn't just a saying—it's a way of life for many. We compare houses, vacations, schools, and the pressure to match others can lead to debt, burnout, and dissatisfaction with what God has already provided.And in our digital age, the pressure's amplified. Social media showcases only the highlight reel, not the debt, exhaustion, or stress that often accompany it. But we still scroll and wonder, “Why not me?”A Better Way ForwardEcclesiastes answers that longing with honesty. In verse 8, the Preacher describes someone who works tirelessly, builds wealth, but has no one to share it with: “There is no end to all his toil, and his eyes are never satisfied with riches…” It's a picture of success without joy. Activity without peace. A full schedule, but an empty soul.However, he then offers a better alternative. In verse 6, we read: “Better is a handful of quietness than two hands full of toil and a striving after wind.” In other words, it's better to have less with peace than more with anxiety. That's not laziness—it's wisdom. A life lived with margin, grounded in God's provision.Work as Worship, Not PerformanceThis is the invitation Ecclesiastes extends: not to give up on excellence, but to anchor it in the right place. When our work flows from a love for God and a desire to serve others, it becomes a blessing, not a burden. It becomes worship.We don't need applause—we need peace. And in Christ, we already have it. His approval is not based on performance. It's based on grace. That frees us from striving to be seen and lets us rest in being known.Maybe that's where you are—tired, overextended, wondering what you're chasing. Ecclesiastes invites you to step off the treadmill of comparison. You don't have to strive for identity. You already have it in Jesus.We often see examples of this. A professional sacrifices evenings and weekends to climb the corporate ladder, only to feel lonely at the top. A family maxes out their budget to project an image, while tension quietly builds at home. These aren't just stories—they're warnings. And they echo Ecclesiastes' caution about what we're trading in our pursuit of more.Sometimes this isn't just about envy. It's about fear—fear of being unseen, of being left behind. So we push harder, hoping success will quiet that fear. But only God can give the peace we're looking for.Redefining SuccessContentment doesn't mean quitting. It means redefining success. It means anchoring your worth in something that lasts. When you stop striving in vain, your ambition gets reoriented. Your work becomes more joyful. Your giving becomes more meaningful.So ask yourself today: Who am I trying to impress? What am I really chasing?If your hands are full but your heart is empty, Ecclesiastes invites you to trade performance for peace. True success isn't about being noticed or admired—it's about being faithful with what God has given you. And your worth? It's not something you have to earn or achieve. In Christ, you have nothing to prove because in Him, you are deeply loved, fully known, and eternally valued.Want to Go Deeper?If you want to dig deeper into these themes, we've created a new study just for you. It's called Wisdom Over Wealth, and it explores what Scripture—especially the book of Ecclesiastes—has to say about money, work, and living for what really matters.This month, when you give $35 or more to support the ministry, we'll send it to you as our thanks. Just visit FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:A few commercial solar companies have approached us about leasing part of our land for a solar farm. We've got around 40 acres of farmland. I'm trying to understand what pitfalls or risks we should be aware of before moving forward.I recently left my job as a teacher because I felt the Lord calling me to go to seminary. I have about $35,000 in a retirement fund from my teaching years. Should I leave it where it is, or should I use it to pay off my car and some credit card debt?I have a Medicaid-related question. A family member of mine has a terminal illness and needs more care than we can provide. She doesn't have any assets, and we're hoping to get her on Medicaid. If she's approved, who would be responsible for the medical bills?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.

SummaryIn this episode of the Major Gifts Fundraiser podcast, Clark Vandeventer discusses the importance of morning routines, personal fulfillment through the three-hour rule, and the balance between maintenance and intensity in life. He emphasizes the need for self-care and intentionality in both personal and professional development, encouraging listeners to reflect on their own routines and goals.TakeawaysThe three-hour rule allows for personal fulfillment.You don't have to be intense all the time, but you must maintain.Life belongs to the community, and we should serve it.Morning routines set the tone for the day.Self-care is essential for peak performance.Budgeting and scheduling are forms of life energy management.Maintenance mode is necessary for long-term success.Reflect on when to have intense periods of work.Thankfulness for the opportunity to serve others is vital.

Follow up with real questions from you , our followers and members about budgeting with professionals from University of Mary Washington and Vomund Insurance Financial Services

What foods need sauce? Budgeting for Christmas. Vitamin D and sunscreen. Giant opossum. 4th of July travel. Amazon expands fast delivery. The most trusted brands. Condiments and sauces. 

In this episode of The Truth About Ag, we're joined by Todd Andries, newly minted Chief Operating Officer of Maverick Ag and a long-time leader in ag finance. With more than 25 years in the financial industry and roots in his family's 2,600-acre farm, Todd brings a blend of boardroom insight and boots-on-the-ground understanding.We talk about what's really happening in the farm equipment market, the role of personal tax and budgeting in strategic planning, and how fear and stress show up when you're making big decisions. We share lessons from Strategic Coach, what it's been like joining the Maverick and HGV teams, and how to navigate tough conversations with banks when the numbers don't tell the full story.It's a candid look at the mindset behind sustainable growth, one that's honest about the risks, the pressure, and the personal side of business.Listen in for a wide-ranging conversation that blends finance, leadership, and a little Stanley Cup talk, too.

In this episode of Rich AF, host Charl Minnaar (The Yachting Investor) sits down with Madison Jay Brauer — former yacht stewardess turned founder of Shore to Sea — to unpack how she went from turndown service to turning profits. Madison shares the real story behind building her own online business, crushing her mortgage early, and managing yacht operations with confidence. From financial discipline to systems that actually work, this episode is a goldmine for anyone in yachting looking to ditch the paycheck-to-paycheck trap and create long-term freedom.

Todd chats with financial strategist Monica Garcia Duggal about her powerful and practical Financial BITES Method©. Monica breaks down how business owners can master Budgeting, Investing, Taxes, Exit Strategy, and SOPs to create scalable, sustainable growth. Her advice is clear, no-nonsense, and immediately useful—whether you're running a startup or planning your next big move. This episode is a must-listen for anyone looking to simplify their financial systems and make smarter, more confident decisions. Book: The Power of Breath by Monica Duggal Profit First by Mike Michalowicz The Goal by Eliyahu M. Goldratt Pillars of Wealth: 1. Clarity 2. Deep Work 3. Curious Monica Garcia Duggal is a renowned financial expert and billion-dollar business coach with over 30 years of experience blending Wall Street insight with entrepreneurial innovation. With a background in investment banking and a track record of scaling companies across industries, Monica is the creator of the Whole Health Wealth System™ and the Financial BITES Method©—tools that turn financial overwhelm into clarity, strategy, and sustainable growth. Known for her no-nonsense, heart-centered approach, she helps individuals and businesses alike build wealth without sacrificing health, joy, or purpose. If you would like to connect with Monica, you can visit her website www.monicagarciaduggal.com or through LinkedIn or Instagram. Welcome to Pillars of Wealth Creation, where we talk about building financial freedom with a special focus on business and Real Estate. Follow along as Todd Dexheimer interviews top entrepreneurs, investors, advisers, and coaches. YouTube: www.youtube.com/c/PillarsOfWealthCreation Interested in coaching? Schedule a call with Todd at www.coachwithdex.com Listen to the audio version on your favorite podcast host: SoundCloud: https://soundcloud.com/user-650270376 Apple Podcasts: https://podcasts.apple.com/.../pillars-of.../id1296372835... Google Podcasts: https://podcasts.google.com/.../aHR0cHM6Ly9mZWVkcy5zb3VuZ... iHeart Radio: https://www.iheart.com/.../pillars-of-wealth-creation.../ CastBox: https://castbox.fm/.../Pillars-Of-Wealth-Creation... Spotify: https://open.spotify.com/show/0FmGSJe9fzSOhQiFROc2O0 Pandora: https://pandora.app.link/YUP21NxF3kb Amazon/Audible: https://music.amazon.com/.../f6cf3e11-3ffa-450b-ac8c...

A crypto enthusiast once wrote on Reddit, “Bitcoin is like winning the lottery in slow motion.” That might be a stretch, but one thing's clear: Bitcoin and other cryptocurrencies aren't going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance.Two Big Takeaways for Crypto InvestorsHere are two key insights to help investors make sense of today's crypto market:Bitcoin Stands Apart – It's critical to understand that Bitcoin is not like the rest of the crypto world. It has emerged as a unique and dominant force, with widespread adoption, while other cryptocurrencies remain highly speculative. Bitcoin Has Reached Critical Mass – Thanks to regulatory shifts and institutional adoption, Bitcoin seems to be here to stay. In just a few years, we've gone from government hostility toward crypto to SEC-approved Bitcoin ETFs and even a pro-crypto administration in the White House.Bitcoin was the original cryptocurrency, launched in 2008, and today it represents about 60% of the entire crypto market. It's gained institutional interest and widespread regulatory acceptance. By contrast, the remaining 40% of the crypto universe is fragmented, filled with thousands of projects, many of which will not survive.Think of most other cryptos not as currencies but as startup tech ventures. That helps frame their high risk and their potential for failure. Bitcoin, meanwhile, has arrived. The rest? They're still trying to prove themselves.Bitcoin as an Investment: What's Changed?Many early Bitcoin advocates hoped it would serve as a usable currency outside of traditional financial systems. But that vision has mostly faded. Today, most investors treat Bitcoin like digital gold—a store of value designed to hedge against inflation and the devaluation of fiat currencies.It's volatile, yes. But its built-in scarcity (only 21 million bitcoins will ever exist) appeals to those who fear government overreach or reckless monetary policy. Bitcoin's not just for tech enthusiasts anymore—it's becoming a strategic asset for serious investors.Generational preferences also shape Bitcoin's rise. Younger investors, raised in a digital world of apps and virtual marketplaces, are far more comfortable with digital assets. What gold has long been to older generations, Bitcoin is becoming to younger ones: a hedge against inflation and a symbol of financial independence.In fact, Bitcoin's correlation with gold has grown significantly in recent years, signaling that institutions are viewing it in similar terms.Institutions and Even Nations Are Paying AttentionIt's not just individuals diving into Bitcoin. Global events—especially the 2022 freezing of Russian reserve assets—have prompted many nations to reassess their reliance on U.S. Treasury bonds. The result? A surge in gold buying by central banks, and increasing openness to alternatives like Bitcoin among private investors.While governments aren't yet buying Bitcoin, there's reasonable evidence to suggest that gold investors are starting to “skate to where the puck is going,” diversifying small portions of their portfolios into Bitcoin as a forward-looking strategy.With that being said, should we be concerned about the global shift away from U.S. treasuries?Not immediately. While a shift away from U.S. Treasuries could eventually raise interest rates and borrowing costs, the dollar still holds dominant status in global transactions. But it's a trend worth watching. It's a slow-motion problem—more of a simmer than a flashpoint.So…Should You Invest in Bitcoin?It depends. Investors with a strong risk tolerance and a positive outlook on gold might allocate a small portion (less than 5%) of their portfolio to Bitcoin or Bitcoin ETF's. The key is position sizing—keeping it small due to Bitcoin's extreme volatility.However, we want to be crystal clear: this only applies to Bitcoin, not to the rest of the crypto space, which still carries a high risk of going to zero.If you're curious to explore more, check out the full article, Bitcoin (& Crypto) Go Mainstream: What You Need To Know, at SoundMindInvesting.org. The SMI team also offers a Bitcoin-inclusive ETF for those looking to dip a toe into this asset class as part of a broader, biblically informed strategy.At the end of the day, financial stewardship isn't about chasing trends—it's about making wise, measured decisions rooted in truth. And with the right knowledge, even complex topics like crypto can be approached with confidence.On Today's Program, Rob Answers Listener Questions:I currently have about $1 million in an active 401(k) with a major financial institution. I'd like to transfer those existing funds to another custodian, where I can earn a guaranteed interest rate. However, I also want to continue contributing to my current 401(k) through my employer, taking on more investment risk with those new contributions. Is that possible?My husband and I live with my father-in-law, and the house needs some repairs. He's offered to loan us the money from his retirement account to cover the costs, but he's asking us to help pay the taxes he would owe on the distribution. Is that a wise arrangement?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bitcoin (& Crypto) Go Mainstream: What You Need To Know by Mark Biller (Sound Mind Investing Article)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.

Your hosts Mark Anderson, Sharon Cowan CBSE, and Ed Selkow dive into the final area of the business planning wheel: Finance. This episode closes out the planning series with clear, actionable insights into how to run your janitorial business by the numbers—without getting overwhelmed.From understanding cash flow and labor costs to learning how to job cost and forecast smarter, this episode will help you get a grip on your numbers—without needing an accounting degree.If you're ready to build a more profitable, cash-flow-conscious cleaning company, this is the episode to bookmark.

Summer is in full swing—a time filled with sunshine, shifting schedules, and all sorts of new opportunities. But as routines relax and plans pile up, it’s easy for our financial focus to fade without us even realizing it. In this refreshed replay, we’re returning to a timely and practical conversation that really resonated with the Money Made Faithful community. We’re sharing three scripture-anchored tips to help you stay on track with your finances during the summer months so you can enjoy the season while still honoring your financial goals and your faith. In this episode, John discusses: Three simple, biblical strategies to help you navigate summer money choices with purpose Why summer often challenges even the best financial plans—and how to stay grounded How aligning your money choices with biblical wisdom brings peace, clarity, and impact Key Takeaways: Recognize how easily summer’s busyness and unpredictability can pull you off track. Building awareness—of your spending habits, current financial standing, and upcoming expenses—is the first step toward staying focused and faithful. Set clear, meaningful financial goals that reflect both your immediate needs and your long-term vision. By reviewing and adjusting your budget consistently, you can stay on mission—even when summer throws you a curveball. Make every financial decision count by choosing intentionally and resisting the impulse to spend without thought. Budgeting with purpose reflects your values, strengthens your faith journey, and allows you to be a good steward of what God has entrusted to you. Let scripture shape your summer decisions. When your financial plans grow from biblical truth, you’ll find yourself navigating this summer season with a sense of alignment, purpose, and gratitude—putting first things first and honoring God along the way. “Every financial decision, even in the sun and fun of summer, is an opportunity to honor God and steward the blessings that He has given you.”   CLICK ON THE LINKS BELOW MORE MONEY MADE FAITHFUL!   VISIT MONEY MADE FAITHFUL: https://moneymadefaithful.com/   GET FREE RESOURCES when you join THE HUB: https://moneymadefaithful.com/resource-library-access/Landing-page   BOOK A WORKSHOP & DETAILS: https://moneymadefaithful.com/money-made-faithful-workshop-2/Landing-page   INVITE JOHN TO SPEAK at your conference, church, or event:  https://moneymadefaithful.com/services   SPECIAL SAVINGS ON JOHN'S BOOK, 'He Spends She Spends' and the small group guide: https://moneymadefaithful.com/shop   FOLLOW US ON FACEBOOK: @MoneyMadeFaithful   FOLLOW US ON INSTAGRAM: @MoneyMadeFaithful   If this blessed you today, please Subscribe, Leave a Review, and Share with someone who you believe will benefit from this message!

Every nonprofit builds a budget. But only the most effective leaders use forecasts to steer their organizations forward. In this episode, A Modern Nonprofit Podcast host Tosha Anderson is joined by David Steffens, CPA to break down the difference between budgeting and forecasting—and why both are critical for financial health and sustainability.They discuss:What a budget really is (and isn't)How forecasts go beyond “what happened” to show “what's next”Common mistakes in budgeting and how to fix themHow to build a basic forecast, even with limited resourcesWhy forecasting prevents financial surprises (and panic)If you've ever looked at your budget and thought, “This isn't telling me what I need to know,” this episode is for you.Follow Us Online 

Money commentator David Boyle reckons a budgeting date night could be just the tonic for couples to talk through their money challenges.

In this episode of the Luxury Outdoor Living Podcast, hosted by Mike and Trey Farley of Farley Pool Designs, the focus is on the transformative power of outdoor lighting in creating stunning landscapes. The guest, Jan Lennox Moyer, a renowned landscape lighting designer with nearly 50 years of experience, shares her journey from interior design to landscape lighting. She discusses the intricacies of landscape lighting, including the importance of power distribution, the impact of tree growth on lighting, and the nuances of lighting design for different plants and architectural styles. The episode also covers practical advice for homeowners on planning and designing outdoor lighting systems, managing budgets, and the importance of professional installation. Moyer emphasizes the magic and tranquility that well-designed landscape lighting can bring to outdoor spaces, making them enjoyable and beautiful at night.   Discover more: https://www.jbluminae.com/ https://www.farleypooldesigns.com/ https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/ https://www.instagram.com/poolzila/   00:00 Introduction to Luxury Outdoor Living 01:39 Meet Janet Moyer: Landscape Lighting Expert 02:51 The Evolution of Landscape Lighting 04:46 Designing Flexible Lighting Systems 06:58 Challenges and Solutions in Landscape Lighting 10:08 The Art of Lighting Trees 13:47 Advanced Lighting Techniques and Materials 20:02 Outdoor Kitchen Essentials 23:59 Planning Your Landscape Lighting 44:23 Introduction to Staircase Lighting 47:56 Solar Lighting Issues 49:40 Lighting for Stargazing 51:11 True Crime in Landscape Lighting 52:15 Power Distribution and Voltage Drop 01:00:22 Pruning and Lighting 01:06:10 Security Lighting 01:07:27 Budgeting for Landscape Lighting 01:13:22 Quickfire Questions 01:17:36 Conclusion and Contact Information  

DROP THOSE CREDIT CARDS AND PUT YOUR HANDS WHERE I CAN SEE THEM!!! This episode we're talking about the oh-so-adulty financial stress and broader implications of a potential recession (Wtf is a recession anyway???). The discussion covers the definitions and indicators of a recession, coping mechanisms, and practical budgeting strategies (which were made by yours truly so you know they WORK!). TAKEAWAYS: takeawaysNaming your feelings around money is crucial.Recession can be viewed as a reset rather than a ruin.It's important to talk about financial stress openly.Indicators of recession can be seen in pop culture.Budgeting buddies can help manage financial anxiety.Micro luxury budgeting allows for small indulgences.Visualizing finances can aid in understanding spending habits.Coping mechanisms are essential during economic uncertainty.Understanding the definition of recession helps in navigating fears.Cultural reflections reveal a collective anxiety about finances.Chapters00:00 Introduction and Personal Updates08:21 Exploring Travel and Home Exchange12:07 Understanding the Recession29:50 Budgeting Hacks for Tough Times32:50 Navigating Financial Stress During Recession35:09 Recession as a Reset: Embracing Change36:07 Community Support and Engagement in Tough TimesOur Sponsors:* Check out Happy Mammoth and use my code KELSEY for a great deal: https://happymammoth.comSupport this podcast at — https://redcircle.com/confidently-insecure/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Zane and Brandon Hunt are the co-founders of VIA 313. VIA 313 is a Detroit-style pizza chain. This is The Hunt Bros. third time on the show. They first joined us for episode 560 in 2018 and again in 2021 for episode 826. In 2021, they had 5 locations and today they have 24!  Interested in McClaskey Excellence Institute as recommended by the Hunt Bros.? Check it out here: https://www.restaurantunstoppable.com/mcclaskey-institute 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. Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. 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 guest recommends:  McClaskey Excellence Institute Guest contact info:  Email Zane: zhunt@via313.com Email Brandon: bhunt@via313.com Website: https://www.via313.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

Ads are always changing—but your budgeting system shouldn't. In this episode of Spa Marketing Made Easy, I sit down with Tara (my go to ads strategist) to break down how much spa CEOs should actually be spending on marketing—based on three common business stages: Maintenance: Hold steady & replace lost clients Growth: Scale month-over-month Hyper Growth: Seize big promotional moments like Black Friday Learn the exact percentage of revenue you should allocate in each stage, plus how to measure ad performance vs. SEO or referrals—so your marketing dollars aren't a guess, but a powerful investment.   What you'll learn during this episode: How to identify your current stage: maintenance, growth, or hyper growth What % of revenue to invest in marketing during each phase Why budgeting by stage protects your profits and alerts you if you're under-investing How to split your marketing dollars between ads and “analog” tactics (50/50) Why tracking lead source quality is critical: SEO vs ads vs referral   Resources Mentioned in Episode #439:  Marketing Budgeting Deep Dive: How Much Should Your Spa Really Spend? Register for the webinar on How Spa Owners & Aestheticians Are Using Social Ads to Get More Clients on Autopilot   Keep the conversation going inside the Spa Marketing Made Easy Community by clicking here. IG / @addoaesthetics WEB / addoaesthetics.com YOUTUBE / @addoaesthetics LINKEDIN / @addoaesthetics ABOUT THE SPA MARKETING MADE EASY HOST    About Your Host, Daniela Woerner Daniela Woerner is the founder of Addo Professional Alliance, a leading community for aesthetic professionals, and the creator of the Growth Factor Framework—a proven system that has helped 582 six- and seven-figure spa owners scale their businesses with strategy and systems. With nearly two decades in the aesthetics industry, Daniela has trained alongside top physician-dispensed brands, consulted with leading dermatologists, and helped thousands of spa professionals streamline their operations and maximize profitability. Her mission? To transform overworked aesthetic professionals into Spa CEOs—building a business and life they love with the strategic systems needed for long-term financial growth. As the host of the Spa Marketing Made Easy podcast, Daniela brings expert insights, real-world strategies, and in-depth conversations to help spa owners elevate their marketing, optimize their operations, and create sustainable success. With over 400 published episodes, 1 million+ downloads, and a ranking in the top 1% of all podcasts worldwide, Spa Marketing Made Easy is the go-to resource for spa and aesthetic professionals looking to level up. Tune in each week for actionable strategies, expert interviews, and inspiration to help you build a thriving, systemized, and scalable spa business!  

“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it's not only okay to adjust your financial finish line—it's often the wise and faithful thing to do.Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.What Is a Financial Finish Line?A financial finish line is simply an answer to the question, How much is enough? It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God's Kingdom.There are two kinds of finish lines:Lifestyle (or Spending) Finish Line – The amount needed to fund your personal lifestyle.Accumulation (or Net Worth) Finish Line – The total assets needed to sustain that lifestyle for the rest of your life.These lines aren't rigid—they're tools to help us hold God's money with open hands, growing in both contentment and generosity.However, there's often a lot of pressure to get it exactly right, but what matters more is having a starting point. You'll grow and refine it as your life and faith journey progress.We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health.The Four Buckets of MoneyTo help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”:Personal Spending – Covering day-to-day lifestyle costs.Future Planning – Savings and investments for future needs.Taxes – Obligations to the government.Kingdom Giving – Resources designated for generosity.A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes.The Net Worth Finish Line: How Much Is Enough to Save?A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities.To set a net worth finish line, Cody walks clients through three core considerations:Lifestyle Needs – How much do you need each year?Wealth Transfer Goals – What will you leave to heirs or ministries?Conservative Margin – A buffer for life's unknowns—but not a replacement for trust in God.What Happens When You Cross the Finish Line?If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question:“Why am I holding on to these resources in the first place?”God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling.Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our standard of giving.Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn.That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose.A Finish Line That Leads to WorshipWe also should remember that at the end of the day, it's not just about money—it's about worship. 2 Corinthians 9:8 reminds us:“And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”To set a financial finish line, we must first recognize that everything belongs to God. It's not about figuring out how much of our money to give to Him—it's about learning to steward His money faithfully.Your finish line isn't a limit—it's an invitation to freedom, joy, and a deeper life of generosity.Want to Learn More?Ready to take the next step? Visit FinishLinePledge.com to access helpful tools, real-life stories, and free resources that will guide you in defining what “enough” looks like in your financial journey.You can also read Cody's full article, “A Spending Finish Line Is Just the Beginning,” in the latest issue of Faithful Steward magazine. To receive the magazine at your doorstep each quarter, become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400. Learn more at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:My father-in-law passed away in March. Next week, we have an appointment with Social Security, and we want to ensure we come prepared, along with my mother-in-law, who will turn 65 next year. She wants to take over his Social Security.I heard about a government program that allows you to consolidate your credit card debt and repay it with no interest, but I'm not sure how to access it. My debt is about $25,000.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Finish Line PledgeChristian Credit CounselorsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. 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.

In this episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons get real about one of the biggest financial questions today: Is homeownership still the American Dream—or just an expensive illusion?They unpack: 

I have been thinking a lot about my Dad lately and what he taught me in business and life. This is because I just had a new grandson about a month ago and he was named for my dad! This week, I talk with Robert J. Finlay who is a Wall Street Journal bestselling author, seasoned entrepreneur, renowned speaker, and father of four. He is a successful entrepreneur and commercial real estate investor.  He has built and sold four companies. He brings strategic insights and inspires the next generation of leaders with his commitment to mentorship, education, and the integration of technology. Rob has a new book called "Hey Dad…Everything You Should've Learned About Life (But Didn't)".We talked about:Should You Really Start a Business?Is It Smarter to Learn on Someone Else's Dime First?Do You Have a Great Idea—or a Great Execution Plan?Who's Your Mentor?Getting your first job (and keeping it)!Budgeting like a pro—even if you hate spreadsheets.Finding your first place without getting ripped off.Navigating credit, cars, and career moves.Building independence with confidence (and maybe fewer 2 a.m. Google searches).Become a supporter of this podcast: https://www.spreaker.com/podcast/the-small-business-radio-show--3306444/support.

Snag Our Simplified Budget System!In this feel-good episode, we're joined by the fabulous Amanda—a fellow budget bestie who went from feeling stuck and paycheck-to-paycheck despite earning more than ever to building a system that brings her peace, control, and yes… a travel fund just for Disney trips.

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.All jokes aside, failing to file your taxes for several years is no small matter—but it's not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).Start With the Present, Not the PastThe further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you're attempting to come into compliance, not ignoring your obligations.Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year's return also goes unfiled.Of course, COVID didn't help as many people have been struggling since then to get back on track.Do You Always Have to File?A common misunderstanding is that you must always file. If you're not going to owe anything, you don't have to file. That includes many senior citizens who live solely on Social Security.However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.Importantly, there's a difference between not filing and not paying. Sometimes you don't know what you owe—or if you owe—until you file.Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don't, you might receive a letter saying you owe thousands in capital gains tax—money you could've avoided paying.How to Begin the ProcessIf you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.”Even with transcripts in hand, deciphering them can be complicated. That's why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it's helpful to know that the IRS's own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That's a helpful limit for those unsure where to begin.The IRS Will Work With YouDon't let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.Filing late taxes doesn't have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Can video games really save lives? In this episode of Faces of Digital Health, we sit down with Anca Petre to explore the booming intersection of gaming, virtual reality (VR) and healthcare. From Fortnite maps that teach immunity to Roblox worlds that demystify diabetes, we showcase real-world success stories and practical steps for health organizations that want to level-up patient engagement. What you'll learn 2:00 Intro & why gaming matters in 2025 4:05 Success story #1 – Fortnite immunity map 8:40 Success story #2 – Minecraft mental-health build 11:55 How creator economies (Fortnite Creative, Roblox, Minecraft) open doors for health innovators 16:10 Budgeting & ROI: making the business case 20:30 4-step framework for your first health-game project 26:45 Overcoming stigma & regulatory hurdles 31:00 Future outlook: VR, digital therapeutics & beyond Key takeaways Gaming isn't just entertainment—it's a powerful storytelling engine for complex medical topics. Creator platforms already host millions of engaged users: meet them where they play. Partner with influencers and studios to translate clinical insights into immersive worlds. www.facesofdigitalhealth.com Newsletter: https://fodh.substack.com/ Youtube: https://youtu.be/sENyLJmk9wc?si=nCDKGtPqdwtqtv6Q

Hear your Liquidity Event host, Ally Jane Ayers, share expert insights on budgeting, investing, and managing money on the Hello Prenup Podcast with Julia Rodgers, Esq. AJ discusses how to take control of your personal finances, talking money in a relationship, and why a prenup is an important part of financial wellness. For the video recording, check out the Hello Prenup podcast on YouTube. Key Moments: 01:51 Critiquing Traditional Finance 06:51 Importance of Prenups 09:33 Starting Money Conversations w/ Partner 12:52 Quarterly Money Dates & Goal Planning 16:47 Student Debt Conversation 20:25 Prenups in Practice 30:29 Budgeting & 50/30/20 Rule 37:22 Inheritance Conversations 44:10 Teaching Kids about Money

Matthew Mabel is a consultant, advisor, coach and President of Surrender, Inc. Surrender is a hospitality and management-consulting firm based in Dallas, TX. Matthew was last on the show for episode 518! For this in-person workshop, Matthew will take the listeners through growing restaurants in three different major and specific phases of growth. 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. Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. 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://surrender.biz Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

If you're still charging based on what you think your clients can afford… or afraid to raise your rates in case they push back… this episode is for you. I'm sharing one of my worst pricing mistakes from the early years, a commercial project that cost me hundreds of hours, drained my confidence, and taught me the hard way how damaging it is to undercharge. It's a story with no happy ending, but plenty of takeaways. In this episode, you'll hear: Why fixed fees can be risky if you don't track your time The real cost of avoiding the money conversation How underpricing attracts the wrong clients What finally helped me shift from hobbyist to CEO Plus, I'm inviting you to my free workshop: Priced to Profit — where I share the 3 pricing shifts that helped me raise my rates (without losing clients). Register at rebeccahay.com/profit   Episode Resources: Sign up for my Priced to Profit Workshop here! Episode 179: Pricing your design services with confidence Episode 46: Budgeting, Pricing your services, and attracting the right trades with Maia Roffey   Download our Free Resources ➡️ Pre-qualify your clients with my Discovery Call Script ➡️ Stay confident from beginning to end with my Consultation Checklist    ➡️ Looking for a quick infusion of cash? Grab my 4 easy ways of increasing your revenue   Looking to elevate your business? Learn more about our courses ➡️ Want the complete blueprint to calculate your design fee with confidence and ease? Learn more about my Pricing with Confidence course ➡️ Want to be the first to know when Power of Process is returning? Click to learn more about the business blueprint for interior design firm owners. ➡️Want to be the first to know when the next episode drops? Don't forget to SUBSCRIBE to the Resilient by Design Podcast wherever you listen to podcasts!

In this episode, we sit down with Angela King and Jolene Plotzke from Michigan Schools and Government Credit Union to talk about the importance of financial literacy and their unique approach to serving the community. After some lighthearted conversation about dogs, music, and family, we dive into the core topic—money, debt, and financial education.Angela and Jolene explain that many people, even high earners, often lack basic budgeting skills. This disconnect leads to financial issues like unmanageable mortgage payments and maxed-out credit cards. At MSGCU, the focus isn't on sales or fees—it's about building trust, offering support, and improving financial well-being. Angela shares her role as a branch manager and certified financial counselor, helping members develop personalized plans to manage debt and set financial goals. Jolene, a former music teacher turned financial educator, emphasizes how transferable teaching skills help her connect with people in workshops and one-on-one sessions.We learn about MSGCU's extensive community outreach efforts. From customized presentations for police and fire departments to classroom education for students, they tailor their financial literacy programs to the needs of each audience. Their approach is personal and word-of-mouth driven, avoiding flashy marketing in favor of real connections. They offer a digital portal with self-paced modules and direct scheduling for those looking to bring financial education to their organization.The conversation touches on broader cultural shifts too—how financial conversations are becoming less taboo, and the role both Angela and Jolene play in fostering those discussions. In a touching moment, Angela and Jolene share the personal challenges they've stayed committed to—Angela's lifelong mission to connect through financial counseling and Jolene's dedication to mentoring her children into financially independent adults.This episode makes a strong case for why financial literacy is not just important—it's transformative when done right, and MSGCU is clearly leading that charge.More:Michigan Schools and Government Credit Union Website: https://www.msgcu.org/Email Angela King: AKing@msgcu.org Learn more about the Royal Oak Chamber of Commerce: https://www.royaloakchamber.com/Connect with our hosts:Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/Lisa Bibbee from Century 21 Northland - http://soldbylisab.com/

“The wicked borrow but do not pay back, but the righteous is generous and gives.” – Psalm 37:21When someone owes you money and doesn't repay it, emotions can run high—frustration, hurt, and even resentment. Whether it's a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let's explore that together.Start with CompassionIt's natural to assume the worst when someone avoids repaying a debt. But Scripture calls us to pause and lead with understanding.“Whoever is slow to anger has great understanding, but he who has a hasty temper exalts folly.” – Proverbs 14:29The person who owes you might be experiencing genuine hardship, such as job loss, medical emergencies, or family struggles. Begin by asking how they're doing. Show empathy. Offer flexibility, if possible, such as a revised payment plan. This can foster honest dialogue and reflect Christ's love in action.Before confronting the situation, pray. Ask God for wisdom, peace, and soft hearts on both sides. When you enter the conversation with prayerful humility, your response becomes a witness, not just a reaction.Follow Biblical Steps for ConflictIf the debtor is a fellow believer and continues to avoid the issue, Jesus outlines a redemptive process in Matthew 18:Speak privately to them.If unresolved, bring one or two others.If the issue remains unresolved, involve the church leadership.The goal isn't shame—it's restoration. Seek truth and preserve the relationship, creating a path forward instead of building a wall.Should Christians Ever Take Legal Action?In 1 Corinthians 6, Paul warns believers not to sue one another over civil matters, saying, “Why not rather be wronged?” Unity and love matter more than financial recovery. However, this doesn't mean legal action is never appropriate.If fraud, abuse, or serious legal injustice is involved, Romans 13 affirms that civil authorities exist to uphold justice. Seeking legal recourse in these situations may be necessary, especially if livelihoods are at stake. Just be sure your motivation is fairness, not revenge.The Bigger PictureRegardless of the outcome, Jesus commands us to forgive:“Whenever you stand praying, forgive, if you have anything against anyone…” – Mark 11:25Forgiveness doesn't ignore the debt—it chooses not to hold bitterness. Sometimes it leads to repentance; other times, it simply frees your heart.Unpaid debt is frustrating—but temporary. Relationships, witness, and Christlike character endure. Ask not only, “How can I get this money back?” but “How can I reflect Jesus in this moment?” Generosity and forgiveness point to a Savior who forgave us when we had nothing to repay.Want to Go Deeper?This topic is explored further in our Faithful Steward magazine. You can receive each quarterly issue by becoming a FaithFi Partner—just $35/month or $400/year at FaithFi.com/Give. Your support helps equip more believers for faithful stewardship.On Today's Program, Rob Answers Listener Questions:I'm in my 50s and want to buy a house. I have money saved for a down payment, but I'm unsure about two things. First, should I continue saving for a larger down payment or buy now with the money I have? Second, I want a mortgage, but I would like to know whether I should choose a shorter or longer mortgage term. I'm 54 years old, so I'm thinking about my timeline for paying off the mortgage.My brother and sister had a trust together with three houses. My sister has since passed away, and my brother is still alive. The trust already has money in it, and my brother is thinking about selling one of the houses. I would like to know: Does the money from the house sale have to be returned to the trust, or can my brother keep it?I'm about to start Social Security at my full retirement age in two months. My wife is considering taking Social Security at age 62. My question is about what happens if I pass away before her. If she's already receiving a reduced spousal benefit, will she then get 100% of my benefit at the new reduced amount, or will she be stuck with the same reduced percentage?My wife and I have a local revocable trust with property and investments. We're considering relocating to an Illinois senior living facility. I'm concerned: Will the state have any way to access our money and property?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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 does your outfit say about your authority before you even speak?In this insightful and practical episode of Present Influence, I sit down with Kay Korsh, an international speaker and style advisor who helps professional speakers elevate their credibility, presence, and personal brand through their wardrobe choices.Whether you're speaking in front of 5,000 or just hopping on a Zoom workshop, your style is part of your message. Kay explains how fit, colour, fabric, and even shoes can either reinforce your message or distract from it entirely.We cover:Why your appearance impacts influence, likability, and bookingsHow to align your outfit with your brand and audienceCommon speaker wardrobe mistakes that sabotage credibilityWhy “looking current” helps you stay relevant (especially with age)How to build a small but powerful speaking wardrobeWhy tailoring and digitising your closet might be game-changersIf you've ever wondered what to wear on stage—or felt unsure if you're dressing the part—this episode is your backstage pass to speaker style success.

“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn't bring peace—often, it brings more pressure. But Scripture offers a better way.What's Driving All That Effort?It's easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What's driving all that effort?In Ecclesiastes 2:18, the Preacher writes, “I hated all my toil... seeing that I must leave it to the man who will come after me.” He isn't condemning hard work—he's grieving that all he's built will one day be handed off, possibly to someone who won't value or steward it well.That's where sorrow begins—not in failure, but in success without peace. “All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest” (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety.What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain.Jesus' Warning About Bigger BarnsJesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? “Take life easy—eat, drink, and be merry.” To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: “The things you have prepared, whose will they be?”What's even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn't someone who earned the wealth—he simply wanted his share, and maybe more. Jesus' warning is clear: a greedy heart isn't the only danger. An entitled heart is just as spiritually destructive. And that's exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn't labor for it and may not know how to handle it wisely.We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn't money itself, it's the absence of wisdom alongside it.A Better Definition of SuccessThat's why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose.But here's the good news—Ecclesiastes doesn't leave us in despair. In verse 26, we read, “To the one who pleases Him, God has given wisdom and knowledge and joy.” The solution isn't to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all.When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God's Kingdom. Accumulation loses its grip, and generosity takes root. That's when real joy begins.So, ask yourself today: Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace Himself?Because in the end, peace doesn't come from what we've earned. It comes from who we trust.A Resource to Go Deeper: Wisdom Over WealthNow, if you're wrestling with these questions, we'd love to help. That's why we're excited to offer our brand-new Bible study based on Ecclesiastes called Wisdom Over Wealth. It dives deeper into this theme of dethroning the idol of accumulation and learning to live with contentment and purpose.This month, when you support the ministry of FaithFi with a gift of $35 or more, we'll send you Wisdom Over Wealth as our way of saying thank you. Just head over to FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:I bought a house a year ago, and my primary goal is to pay off the mortgage as quickly as possible. I'm wondering if I should pause my 15% retirement contributions to accelerate my debt payoff goal or continue contributing to retirement while also working towards being debt-free.I want to understand the right markup for my business. I'm an electrician. What would be a reasonable general number for a company like mine to ensure I'm covering my costs and generating a profit?I opened a Roth IRA because I don't have to make required minimum distributions. When my children inherit my Roth IRA, do they have to make withdrawals? I want to understand the inheritance.I'm wondering about the $8,000 maximum Roth IRA contributions for those over 50. Is the $150,000 income limit based on my income alone or my combined income with my wife?I'm considering retiring at 65 even though my full Social Security retirement age is 67. If I live off my 401(k) for 2 years and don't register for Social Security, will my benefits continue to grow?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this insightful interview, Craig Shacklett, CEO of URComped, sits down with Juan Romero, CEO of Volante Software, and James O'Kimosh, Senior Slot Director at Desert Diamond Casinos & Entertainment, to discuss the challenges and strategies behind implementing new systems in casinos. From identifying operational pain points to evaluating vendor solutions, this discussion covers how Desert Diamond approaches innovation—from budgeting and measuring ROI to team buy-in and successful rollouts. Juan and James offer a candid look at how collaboration, scale, and strategic decision-making play a crucial role in staying ahead in a competitive market. Topics Discussed: - Overview of Desert Diamond Casinos and slot operations - How investment decisions are made for new products or services - Identifying operational problems: internal discovery vs. vendor-presented solutions - The importance of scale and staying ahead  - Budgeting for new systems and streamlining operations - Measuring the success and ROI of newly implemented products - Process for implementing new systems - Considering staff response and strategies for effective team rollouts - Maximizing collaboration with internal teams and external partners - Understanding your customer: What vendors need to know about their clients Learn More: https://trio360.vip/modernizing-the-floor-implementing-new-systems-in-todays-casinos-with-james-okimosh-juan-romero-video/

Garrett Reed is the CEO of Layne's Chicken Fingers. Garrett got his start in the real estate business right out of college as a site selector for Radio Shack in he 90s. By the early 2000s he had moved on to Starbucks where he served as Real Estate Director for the east and west coasts. In 2005 he started his own real estate business and in the mid-2010s he began the search to own a restaurant brand and/or franchise. He bought Layne's Chicken Fingers in 2017 and became CEO and Partner. Layne's began in 1994. There are 25 locations as of this recording (April of 2025) with plans to open a new location every month for the rest of the year.  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:  Website: https://www.layneschickenfingers.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

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What if being great with money doesn't guarantee you're doing great with your spouse?If you're the “money person” in your marriage, you may think you're doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace.Honor What Your Spouse ValuesMoney-minded individuals often unknowingly send the message that their spouse's financial opinions don't matter. Even with good intentions and solid planning, failing to honor what your spouse values can damage not just your finances but your marriage.Spouses who handle the finances might assume they're right and the other is wrong. That unspoken belief, even if subtle, can lead one partner to feel dismissed—and that's a dangerous place to be.About two-thirds of spouses believe they know better than their partner how to manage finances. This is similar to how most people think they're above-average drivers—statistically improbable, but psychologically common.While it's okay to have differing financial opinions, it becomes a problem when one partner consistently feels unheard or undervalued. Many “money people” may not even realize they're doing this, but over time, it fosters resentment and undermines trust.Different Values, Different PrioritiesMore than 80% of couples have differing financial values, which are often rooted in their childhood experiences, temperaments, or faith priorities.For instance, one spouse may believe saving for college is urgent and non-negotiable. The other may feel that making memories with their children while they are young, such as taking a trip to Disney, is equally important. Neither is wrong. They're just different.The danger lies in assuming that one value system is superior. If one spouse feels their values are constantly being overlooked, resentment can quietly grow until it spills over into other areas of the relationship.The real danger isn't only in the budget—it's in the relationship.If one person starts to feel like their opinions don't matter, it doesn't just affect money decisions. It becomes a marriage issue.And this dynamic can even show up in financial advisor meetings, where professionals may unintentionally direct conversations toward the more financially-minded spouse. This reinforces the problem and risks charting a course toward relational misalignment.Three Steps Toward Greater Financial UnityIn her article for Faithful Steward, Shaunti offers three practical steps to bring both voices to the table:Ask Each Other a Simple QuestionAt a neutral time—say, over morning coffee—ask:“On a scale of 1 to 5, how heard and valued do you feel in our financial decisions?”If the answer isn't a 5, it's a red flag—time for a deeper conversation. Treat Less-than-Perfect Answers SeriouslyA “3” or “4” means something isn't connecting. Don't ignore it. The goal is for both spouses to feel their voice and values are part of the plan, even when you disagree. Explore Your Financial Values TogetherChapter 3 of her book, Thriving in Love and Money, maps out different “money values”—how people view experiences vs. things, time vs. money, or convenience vs. frugality. Shaunti encourages couples to read the chapter together (or separately with notes in the margins) to uncover hidden assumptions.Real-Life Insight: The $1.50 LessonShaunti also shares a personal example: she values time and convenience, so she's happy to pay an extra $1.50 per movie ticket to reserve seats in advance. Jeff, her husband, sees that as unnecessary—he'd rather arrive early to save money.Neither is “right.” However, understanding each other's values helped them approach decisions with greater ease and grace, rather than conflict.Remember, resentment is like a slow leak—it can go unnoticed until the tire blows out. But the antidote is simply listening with love and curiosity.You can read her full article in Faithful Steward, our quarterly magazine designed to help you connect your faith with your finances. To receive four issues a year, along with our newest Bible studies and devotionals, become a FaithFi partner at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:I'm a veteran receiving $1900 a month in benefits. I recently paid a penalty on my Social Security premium. I would like to know if there is any way this penalty can be waived due to my hardship situation.I have some stock that I want to sell, but I want to donate it to a charity so I don't have to pay taxes. Can you tell me how to do this?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights About Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnNational Christian Foundation (NCF)Fidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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 wondered if property development could be your next big wealth accelerator? You've probably heard the success stories – investors who've turned modest sites into multimillion-dollar assets by building just two townhouses.  But what you don't often hear about are the sleepless nights, the missteps, the cost overruns, the unexpected council headaches, or the “learning experiences” that chew up profit and time. Today, I'm joined by Greg Hankinson – Director of Metropole's Project Development Division. Greg has almost 3 decades of experience managing hundreds of successful small to medium-scale projects. Just to make things clear… what are we going to be discussing today isn't about becoming a full-time developer. It's about how smart investors are adding a powerful strategy to their portfolio – one that's backed by professionals who've done it hundreds of times before. So whether you're looking to build wealth faster, reduce your reliance on market growth, or just explore what's possible beyond buying and holding, this episode is packed with insights you won't want to miss.   Takeaways  ·         Property development can be a game changer for wealth creation. ·         Understanding the current market dynamics is crucial for investors. ·         Planning and preliminary research are essential for successful developments. ·         Development finance differs significantly from traditional home financing. ·         Identifying suitable development sites requires thorough due diligence. ·         Designing properties to meet market demand is key to maximizing returns. ·         Having the right team of experts can significantly impact project outcomes. ·         Contingency planning is vital to manage unexpected costs during development. ·         Common mistakes include misunderstanding development finance and costs. ·         Long-term holding of developed properties can lead to greater financial benefits.   Chapters 01:50 Introduction to Property Development 03:10 The Appeal of Townhouse Developments 05:18 Understanding Market Demand and Supply 07:19 Planning and Strategy in Development 11:22 Navigating the Property Cycle 12:46 Criteria for Development Sites 15:52 Budgeting and Cost Management 18:10 Building the Right Team 19:37 Designing for the Market 21:40 Common Mistakes in Property Development   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2025 and beyond   Join us at the Ultimate Property Development Workshop in Sydney on 19th July Click here for all the details https://realestateworkshop.com.au/  Greg Hankinson -  Director, Metropole Constructions  Interested in getting involved at the “wholesale” end of the property market? We'll help you become a property developer. Click here and find out how. https://metropole.com.au/develop/   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here  Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this episode, we're joined by Marion Balinoff, a top consultant in performance-driven influencer marketing for mobile apps.With 10+ years of experience and a track record of leading six-figure influencer campaigns for gaming studios like Ten Square Games, Wooga, and Socialpoint, Marion will share exactly how to launch and scale creator-led growth strategies. Whether you're starting your first campaign or trying to scale influencer marketing as an indie team, this episode is packed with tactical advice.We'll cover all about formats, budget planning, influencer briefs, attribution tracking, and building long-term creator partnerships that actually move the needle.You'll Learn:✅ How to choose the right creators for your app genre✅ What to include in a killer influencer brief✅ Budgeting strategies—from $500 to six-figure campaigns✅ How to track success with MMP links, attribution & in-game KPIs✅ Building long-term creator partnerships that drive ROILearn More:https://www.linkedin.com/in/marion-balinoff/ng for AppsWork with us: https://www.appmasters.comIndie App Santa: https://www.indieappsanta.comGet training, coaching, and community: ⁠https://appmastersacademy.com/*********************************************SPONSORSYou ever work with a tool where the support feels like...a ghost town? Yeah, not AppsFlyer.Their support team is massive — like 5x bigger than the industry average. They're global, 24/7, and actually helpful!If you're scaling your app and don't want to be left hanging, check out AppsFlyer dot com or book a demo by clicking this https://tinyurl.com/AppsFlyerAM*********************************************Have an idea for a mobile app, but don't know how to code?Dreams Into Apps is a mobile app accelerator for non-technical entrepreneurs who want to launch their app—without hiring developers.You'll work step-by-step with expert app builders to turn your idea into a real revenue generating product using AI and No-Code. No coding experience required.And here's the best part—100% of apps launched through the program generate revenue within 7 days.Stop dreaming about your idea. Build it yourself!Check out:ambitiouslabs.io.*********************************************Follow us:YouTube: ⁠AppMasters.com/YouTube⁠Instagram: ⁠@App MastersTwitter: ⁠@App MastersTikTok: ⁠@stevepyoung⁠Facebook: ⁠App Masters⁠*********************************************

In this episode, we're joined by Marion Balinoff, a top consultant in performance-driven influencer marketing for mobile apps.With 10+ years of experience and a track record of leading six-figure influencer campaigns for gaming studios like Ten Square Games, Wooga, and Socialpoint, Marion will share exactly how to launch and scale creator-led growth strategies. Whether you're starting your first campaign or trying to scale influencer marketing as an indie team, this episode is packed with tactical advice.We'll cover all about formats, budget planning, influencer briefs, attribution tracking, and building long-term creator partnerships that actually move the needle.You'll Learn:✅ How to choose the right creators for your app genre✅ What to include in a killer influencer brief✅ Budgeting strategies—from $500 to six-figure campaigns✅ How to track success with MMP links, attribution & in-game KPIs✅ Building long-term creator partnerships that drive ROILearn More:⁠https://www.linkedin.com/in/marion-balinoff/ng for Apps⁠Work with us: https://www.appmasters.comIndie App Santa: https://www.indieappsanta.comGet training, coaching, and community: ⁠https://appmastersacademy.com/*********************************************SPONSORSYou ever work with a tool where the support feels like...a ghost town? Yeah, not AppsFlyer.Their support team is massive — like 5x bigger than the industry average. They're global, 24/7, and actually helpful!If you're scaling your app and don't want to be left hanging, check out AppsFlyer dot com or book a demo by clicking this https://tinyurl.com/AppsFlyerAM*********************************************Have an idea for a mobile app, but don't know how to code?Dreams Into Apps is a mobile app accelerator for non-technical entrepreneurs who want to launch their app—without hiring developers.You'll work step-by-step with expert app builders to turn your idea into a real revenue generating product using AI and No-Code. No coding experience required.And here's the best part—100% of apps launched through the program generate revenue within 7 days.Stop dreaming about your idea. Build it yourself!Check out:ambitiouslabs.io.*********************************************Follow us:YouTube: ⁠AppMasters.com/YouTube⁠Instagram: ⁠@App MastersTwitter: ⁠@App MastersTikTok: ⁠@stevepyoung⁠Facebook: ⁠App Masters⁠*********************************************

Ginger interviews Meghan Combs, who shares her journey to financial independence after recently getting married. They discuss budgeting strategies, the significance of personal values in spending, and adapting financial goals amid life transitions. Meghan reflects on her net worth of $527,000 and the impact of automating savings, as well as her desire for meaningful experiences over excessive frugality. As the host of the Everyday FI Podcast she encourages listeners to embrace flexibility in their financial identities. Key Takeaways Wedding Budgets: Meghan shares her strategy to keep her wedding expenses under $10,000 by limiting the guest list and choosing affordable venues. Net Worth Insights: Her current net worth is $527,000, attributed to both her and her husband's financial strategies and property investments. Automate Savings: Automating savings directly from her paycheck has been key to consistency in her financial journey. Money Fluid Identity: Meghan promotes the concept of being “money fluid” rather than strictly identifying as frugal or a spender, allowing for adaptability in financial decisions. Planning for Parenthood: The high costs of starting a family, including IVF, can shift financial priorities and goals. Timestamps 00:00:00 - Introduction to the episode and guest, Meghan Combs. 00:01:06 - Conversation begins with Meghan about her recent wedding. 00:05:32 - Discussion on net worth and financial plans post-marriage. 00:08:42 - Mentioning how life changes affect financial independence goals. 00:32:53 - Emphasizing the importance of adopting a fluid money identity. 00:40:28 - Highlighting the benefits of automating savings. Major Topics Discussed Wedding Planning Meghan shares her experience planning a budget-friendly wedding and the importance of limiting the guest list for cost control. Key Insight: Keep your guest list tight to stay under budget. (00:03:45) Current Financial Position Reflecting on her net worth and how her recent marriage has impacted it. Key Insight: It's okay for your FI number to evolve. (00:08:46) Saving Strategies Meghan's most effective budgeting strategy is automating her savings and critically assessing her purchases based on personal values. Key Insight: Automate savings directly from your paycheck. (00:40:28) Personal Financial Identity The discussion shifts to how financial identities can constrain decision-making and the benefits of maintaining flexibility. Key Insight: Adopt a money fluid identity. (00:32:53) Impact of Major Life Changes Addressing the costs involved with starting a family and unexpected expenses that can influence financial priorities. Key Insight: Life changes can shift priorities and expectations regarding financial independence. (00:08:42) Actionable Takeaways Automate your savings directly from your paycheck to ensure consistency. (00:40:28) Reflect on your values when making significant purchases for financial success. (00:41:15) Keep your wedding guest list tight to control costs. (00:03:45) Related Resources Everyday FI Podcast Discussion Questions What are your thoughts on the importance of keeping a tight guest list for events? (00:03:45) How has your net worth impacted your financial goals? (00:05:32) Discuss the effectiveness of automating savings in your financial planning. (00:40:28)