Balance sheet or statement of estimated receipts and expenditures
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“Know well the condition of your flocks, and give attention to your herds.” - Proverbs 27:23 Most of us no longer measure our wealth in flocks and herds, but the wisdom of Proverbs 27:23 remains just as relevant today: faithful stewardship requires attention. When we do not know what we have, where it is going, or what it is accomplishing, we cannot manage it wisely. That is where a budget can help. A budget is simply a plan for managing what God has entrusted to us. It is not intended to be a burden, a source of shame, or a rigid set of restrictions. It is a practical tool that helps us practice faithfulness. Begin With the Heart Biblical budgeting starts with the recognition that everything belongs to God. Our income, possessions, savings, spending, and giving have all been entrusted to our care. That means budgeting begins with a spiritual question before it becomes a financial exercise: Lord, how would You have me manage what You have provided? That question changes the purpose of a budget. We are not merely trying to make the numbers balance. We are asking whether our financial decisions reflect what we truly value. A budget can reveal where our money is drifting. Are our resources being absorbed by impulse, comfort, comparison, and accumulation? Or are they being directed toward generosity, provision, responsibility, and contentment? The goal is not simply greater financial control. It is greater faithfulness. Make Generosity Intentional Scripture never treats generosity as an afterthought. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” A budget allows us to give intentionally rather than reactively. Instead of waiting to see whether anything remains at the end of the month, we can prayerfully decide in advance how we want to support our church, ministries, neighbors, and others in need. Generosity should not be driven by guilt or compulsion. It should flow from gratitude for God's provision and a desire to participate in His work. Know Your True Income For those who receive a predictable paycheck, identifying monthly income may be relatively simple. A spending plan can be built around regular take-home pay. Variable income requires a little more care. Business owners, commission-based workers, freelancers, seasonal employees, and hourly workers may see their income fluctuate from month to month. In that situation, it is usually wise to build a budget around a conservative baseline. Review the previous six to 12 months and identify the lower-income periods. Then build your essential expenses around a realistic minimum—not your best month. When income is higher, decide beforehand how those additional dollars will be used. They might help you: Build savings Pay down debt Prepare for upcoming expenses Increase your generosity Without a plan, additional income can easily disappear into increased spending. With a plan, it can strengthen your financial foundation and expand your ability to serve others. Give Every Dollar a Job Giving every dollar a job does not mean spending every dollar. Saving is a job. Giving is a job. Paying bills is a job. Preparing for future expenses is a job. Your budget might include money for: Housing and utilities Food and transportation Debt repayment Emergency savings Retirement Insurance premiums Medical needs Car and home repairs School expenses Holidays and gifts The purpose is not unnecessary restriction. It is intentional direction. When every dollar has a purpose, your money is less likely to be consumed by whatever feels most urgent in the moment. Prepare for Irregular Expenses Many budgets fail because they account only for monthly bills. But real life includes expenses that do not arrive every month. Car maintenance, home repairs, annual subscriptions, insurance premiums, travel, gifts, school costs, medical expenses, and Christmas can all place pressure on a spending plan. These expenses are not true emergencies when we know they are coming. A wise budget sets aside smaller amounts throughout the year. Saving a little each month can turn a large, disruptive expense into a manageable one. Planning ahead does not mean we can predict everything. It simply means we prepare for what we reasonably can and trust God with what we cannot foresee. Build Financial Margin Margin is the space between what comes in and what goes out. Without margin, even a relatively small disruption can create stress or lead to additional debt. With margin, we are better prepared to respond wisely when needs and opportunities arise. Margin also makes generosity possible. Ephesians 4:28 instructs believers to work honestly so that they “may have something to share with anyone in need.” Budgeting helps create that kind of readiness. The goal is not to accumulate excess merely for our own comfort. It is to manage resources in a way that allows us to provide responsibly, respond compassionately, and give freely. Review and Adjust Regularly A budget is not a document you create once and then ignore. It should be reviewed and adjusted as circumstances change. Some months will require different priorities. Certain categories may prove unrealistic. Income may rise or fall. Unexpected needs may emerge. The goal is not perfection. The goal is faithfulness. For married couples, regular budget conversations can also create greater unity. Rather than allowing money to become a source of confusion or conflict, spouses can pray together, clarify their priorities, and make decisions as a team. A regular review gives you an opportunity to ask: How has God provided? Are we living within our means? Do our spending decisions reflect our values? Are we preparing wisely for the future? Is there room to grow in generosity? How Budgeting Shapes Us Budgeting is about far more than numbers. It can become part of our spiritual formation. It teaches us to recognize God's provision. It trains us to say no to one thing for the sake of a greater yes. It helps us practice contentment in a culture of comparison. It creates a framework for generosity before money is absorbed by lesser priorities. A budget cannot guarantee that life will go according to plan. But it can help us respond to God's provision with wisdom, gratitude, and purpose. Take the Next Step With the FaithFi App The FaithFi App is a Christian money-management tool designed to help you integrate biblical wisdom with practical financial decisions. More than a budgeting app, it helps you consider both the numbers and the heart behind them so you can steward God's resources with greater clarity and intentionality. Join more than 80,000 believers pursuing faithful stewardship and begin your 30-day free trial at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I need 12 more Social Security credits and recently took a job as a household manager. Should I be classified as a household employee or an independent contractor, and how would the IRS view that arrangement? I have a federal student loan with significant accrued interest. Do I need to pay off that interest before my payments begin reducing the principal? I've also been advised to refinance through a private lender. Should I keep the loan federal or convert it to a personal loan? I'm considering selling a mortgage-free multi-unit property worth about $700,000 to $800,000 and using the proceeds to buy two rental homes for around $250,000 each. What tax, financing, or ownership issues should I consider before making that move? My husband and I are debt-free, live within our means, and expect to receive an inheritance. We want to plan wisely for retirement, investing, Social Security, Medicare, our family, and generosity, but we struggle with analysis paralysis. How can we find a trusted advisor who shares our faith and can help us build a comprehensive plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
A 40-year-old physician associate and his wife walked away from their jobs with $50,000 earmarked for a year of world travel. They returned having spent just $30,000—and visited 15+ countries across four continents. This isn't a story about deprivation or cutting corners. It's about strategic geography, intentional choices, and the freedom that comes from knowing exactly what you value. Key Topics Discussed Introduction and Background 00:00:00 Ginger introduces Zack, the "winner of life" from the 2025 end-of-year wins episode. Now 40 with a seven-month-old baby in Arizona, Zack reflects on how a year of travel reset his life trajectory. The Genesis of the Trip 00:03:30 Growing up poor but playing travel soccer planted early seeds. Working short emergency medicine shifts gave Zack flexible scheduling and the mental space to plan an exit strategy with his wife. Financial Foundation and Savings Rate 00:07:00 A 90%+ savings rate funded their dream. Complete financial transparency in marriage and childhood memories of family bankruptcy drove Zack to master personal finance young. Planning and Budgeting 00:10:00 They allocated $50,000 for travel plus another $50,000 for job hunting upon return. Research through books and blogs introduced "low burn and high burn" countries. Chasing the sun meant packing only lightweight clothing. The $30,000 Reality 00:15:00 Final spend: under $30,000. Strategies included medical volunteering, Workaway exchanges, teaching English for pay in London, hostels, homestays, and ruthless geo-arbitrage in Southeast Asia and South America. Travel Strategies and Workaway 00:20:00 Workaway connected them to free accommodation in exchange for skills. They secured a paid two-month teaching position in London and applied to opportunities like an alpaca farm in Norway (visa restrictions prevented that one). Building Community on the Road 00:28:00 Hostels, hiking groups, public transportation, and intentional conversations created friendships. A Malaysian engineer they met on a volcano hike later hosted them. Connection required showing up and being open. Life-Changing Inflection Points 00:33:00 Two moments shaped everything: his family's bankruptcy as a teenager and waking up in an ICU coma in 2018. The latter injected urgency into postponed dreams and clarified what mattered most. Overcoming Scarcity Mindset 00:38:00 Shifting from scarcity to abundance meant building systems aligned with core values. Evidence from past good decisions created confidence to bet on themselves. Favorite Destinations 00:44:00 Guatemala's active volcano El Fuego, cooking classes in Thailand, Colombia's unexpected beauty and value, Vietnam's month-long immersion, and the dream bucket-list destination of New Zealand. Reintegration and Lessons Learned 00:52:00 Coming home brought culture shock and relief from decision fatigue. They found jobs they loved. Travel isn't vacation—it's exhausting in different ways. Resources and Closing Thoughts 00:58:00 Rolf Potts' Vagabonding shaped their philosophy. Journaling preserved memories. No single resource fits everyone; customize your approach by exploring multiple perspectives. Notable Quotes Zack: "We ended up spending just under thirty thousand dollars. If I told you the list of activities we did and the places we visited, you would not think it was possible." Zack: "Easy decisions, hard life. Hard decisions, easy life. When you spend a lot of time thinking about the hard decisions and you go really deep on the core values of your life, then I think it makes it easier to create systems that will help you move forward." Zack: "Traveling teaches you simplicity in a very interesting way. When we came home at the end of the year, we had plenty of room to spare in our backpacks. Your mindset just really shifts from 'this is what we think we need' to 'this is what we need.'" Zack: "I woke up in a coma in the ICU. That experience really brought into perspective mortality and some sense of urgency to do…
Timestamps - 0:00 – Intro: Aaron Returns to LL LIVE0:33 – Aaron's 7.4 cm Femur Lengthening and Bow-Leg Correction Overview1:14 – Femur X-Rays, Nail Removal, and Full Consolidation3:03 – Post-Removal X-Rays and How Strong the Bone Looks3:43 – Bow-Leg Correction: Osteotomy, Plates, Screws, and Bone Graft6:04 – Follow-Up X-Rays and Early Tibia Healing Progress8:04 – Weight-Bearing Rules After Bow-Leg Correction9:35 – Aaron Walking Four Weeks After Surgery11:44 – Pain Comparison: Bow-Leg Correction vs. Femur Lengthening14:26 – Live Q&A Begins15:45 – Shin Conditioning, MMA, and Tibia Bone Strength After Healing17:23 – Insurance, Costs, and Budgeting for Surgery19:02 – PMAX Quadrilateral Timing and Realistic Height Goals21:24 – Clothing, Proportions, and Life After 7.4 cm21:52 – Why Aaron Chose Limb Lengthening23:41 – Aaron's PT Routine and Pool Therapy “Cheat Code”25:42 – MK-677, Appetite, and Recovery Supplements28:01 – Bow-Leg Hardware: Keep It In or Remove It Later?29:37 – Why 10+ cm on Femurs Alone Can Be Problematic32:31 – Pre-Surgery Stretching and Mobility Prep34:42 – Peptides, Stem Cells, and Recovery Timing35:57 – Nerve Pain, Numbness, and Aaron's Recovery Timeline39:42 – Gabapentin, Ice, and Slowing Down for Nerve Symptoms40:52 – Master Distractor Joins with Weight-Bearing Update42:26 – Athleticism After Bow-Leg Correction44:21 – Tibia-to-Femur Ratio and Choosing Femurs First46:59 – Rebuilding Leg Muscle After Lengthening49:23 – Peroneal Nerve Release and PMAX Tibia Questions52:18 – Squatting, Ratios, and Biomechanics After Lengthening55:48 – Master Distractor's Recovery and Proportion Update1:07:09 – Athletic Tradeoffs After Limb Lengthening1:14:14 – Regret, Gatekeeping, and Doing LL for the Right Reasons1:18:42 – Is 7 cm Safe on Femurs?1:20:25 – Quadrilateral PMAX Timing and Final Q&A1:21:52 – Closing Sign-Off______________________Find Links to Everything Here and Below: https://sleekbio.com/cyborg4life
The Hidden Lightness with Jimmy Hinton – These encouraging trends serve as a reminder that cultural change doesn't always begin in government or large institutions. Sometimes it starts with ordinary people making wiser choices and inspiring others to do the same. The future may not belong to those with the biggest homes or the flashiest lifestyles. It may belong to those who...
Forget the birds and other environmental impacts, are taller buildings messing with lunar cycles? On this week’s show, our hosts explain how a proposed bill would stop building height from being treated as a significant environmental impact under state law. State Sen. Akilah Weber Pierson spoke about SB 958 at a committee hearing in June and explained how environmental laws have sometimes been used to slow housing projects. She cited Midway Rising and litigation that has stood in the project’s way. “Despite years of analysis and multiple EIRs, the most recent ruling from the California's fourth district court of appeal determined that environmental review when related to building height needed to include aspects that were not typically analyzed, including impacts on airflow, atmospheric conditions, lunar cycles, and wildlife attraction,” she said. Lunar cycles? Co-host Scott Lewis explains what’s at stake and why we’re going to keep talking about SB 958. Also on the show: The state is moving forward with a mesh barrier to deter suicides on the Coronado Bridge. They also plan to install AI cameras. 00:00:00 - The Padres Poncho Debate 00:04:15 - Politicians Performing: Bill Wells' Band & Scott Peters' Pull-Ups 00:08:47 - Mission Bay Restroom Closures & El Niño Budgeting 00:18:47 - SB 958, Midway Rising, and Lunar Cycles 00:26:28 - Politifest 2026 Announcement 00:28:03 - Coronado Bridge Suicide Prevention & AI Cameras 00:37:16 - Sea Lions in La Jolla & The Viral Kicking VideoSee omnystudio.com/listener for privacy information.
Send us Fan MailGrief and money can't be separated. It's like a lava lamp, you cannot separate it out.Meet Kathi Balasek, the Founder of Grief-Ready Communication for Financial Professionals, Firms, and Leaders. She helps advisors and organizations build the communication skills needed to support clients through loss, transition, and life-altering moments to strengthening trust, retention, and long-term relationships in the process.In this episode, we sit down with Kathi for one of the most powerful conversations we have ever had on this show. We talk about the financial rules nobody tells widows, like the fact that remarrying before 60 means losing your late spouse's Social Security forever. We talk about why widows are rushed into decisions that don't need to be made that first year. And we talk about what to say and what to stop saying to the grieving people in your life.This one is for every woman who wants to be more financially prepared, more empathetically equipped, and more honest about the conversations we are all too afraid to start.Do not wait until you need this information to find it. Join us for our next Money Talks session, "The Financial Checklist Every Woman Needs Before Losing a Partner" Click here to register for FREE and bring your questions! Follow & connect with Kathi:Website InstagramLinkedIn Modern Widows ClubWings of WidowsWidow 411Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...
This episode isn't really about money strategies (though we get into some of that too). It's about why really intelligent, capable people avoid opening their bank statements, undercharge for their work, blow their savings the moment they make good money, or freeze right before pulling the trigger on an investment they know makes sense. We've been those people, and in this episode we're getting personal. In this episode we talk about: Why two people can receive the exact same amount of money and have completely different experiences with it How your nervous system is running the financial show The GIC example that explains exactly how banks make money off your fear Why making more money doesn't fix a leaky financial foundation Our own money stories (including why I finally got my financial license, and what pushed me to do it) The "doors conversation" we had in our kitchen last week Why we sold our Costa Rica house and got rid of our boat Budgeting as money awareness, not restriction The $25/month RESP investment that's going to make our kids millionaires How to get your teenager to actually care about investing (hint: don't be the one to have the conversation) Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Metabolic Guide | jennpike.com/metabolic-guide Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship: jennpike.com/theaudaciouswoman Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.
Think budgets don't work?Maybe you've been using the wrong one.In this episode of Chink Positive, discover why most budgets fail and how to create a simple spending plan you can actually stick to. Budgeting isn't about saying no to everything. It's about giving every peso a purpose so you can save more, stress less, and enjoy your money without guilt.Whether you're living paycheck to paycheck or simply want better control of your finances, this episode will help you build a budget that works in real life.What you'll learn:- Why most budgets fail after payday- How to give every peso a clear purpose- Why a good budget includes room for enjoyment- A simple budgeting system you can start todayIf this episode helped you, Follow or Subscribe so you never miss an episode. Share it with your family and friends, and leave a review to help more Filipinos build healthy money habits.#ChinkPositive #FinancialFreedom #Budgeting #FinancialLiteracy #MoneyMindset #SavingMoney #PersonalFinance #MoneyManagementFor any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com. Hosted on Acast. See acast.com/privacy for more information.
Many South Africans know they should be saving, but soaring living costs are making it increasingly difficult. Africa Melane speaks to Nita Morgan, Director of Prime Loans, about balancing savings with responsible credit, avoiding illegal lenders, and building financial resilience during tough economic times.See omnystudio.com/listener for privacy information.
Budgeting with irregular income is one of the biggest financial challenges in the service industry. In this podcast episode, we break down a practical 7-step system built for servers, bartenders, and anyone whose paycheck changes every week.#BudgetingTips #ServerLife #PersonalFinance #SavingMoneyGet Your Free Budget Guide: https://www.themodernwaiter.com/freebieFollow The Modern Waiter Podcast:Instagram https://www.instagram.com/themodernwaiterpodcast/TikTok https://www.tiktok.com/@UC29jIbBYXKxWMJBDFklmwHQ Subscribe for weekly episodes on server life, restaurant industry insights, and money tips for tipped workers.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Financial governance is not reserved for large organisations. It starts with knowing your numbers, planning for uncertainty and building habits that support better decisions. In this episode, Cathy Love and Layland Webb unpack the practical difference between a budget and a forecast, and explain why uncertainty is a reason to scenario plan rather than delay it. They also challenge the industry's narrow focus on billable KPIs and explore how lead indicators can create better performance, accountability and support for employees. The episode closes with a listener question about turning an informal business relationship into a clear commercial partnership. Topics covered on financial governance, forecasting and meaningful KPIs: Financial governance through uncertainty: Why NDIS reform, Thriving Kids, cancellations and workforce changes should be built into different financial scenarios. Budgeting and forecasting: How a budget sets the destination while regular forecasting helps business owners respond to what is actually happening. KPIs beyond billables: The difference between lead and lag KPIs, and why behaviour, client satisfaction and employee satisfaction also matter. P.S. If this episode is hitting on pain points you're facing, let's chat. We can support you. Book a 20-minute complimentary call with us, and let's talk about how we can help you achieve your vision for your Allied Health business. Midroll Message: Join the Thriving Providers: The S.E.C.U.R.E. Game Plan Masterclass Connect with Nacre Consulting: Let's connect on Instagram Follow us on Facebook Let's connect on LinkedIn Join our Facebook Group online community More about The Allied Health Business Brilliance Podcast: The Allied Health Business Brilliance podcast (previously known as Private Practice Made Perfect) powered by Nacre Consulting features authentic conversations that offer real-life stories and expert perspectives for Australian Allied Health Business Owners. Cathy Love, our engaging host, gathers wisdom from Allied Health professionals and industry supporters alike. We dive into the real experiences of running and growing Allied Health businesses in Australia, revealing both the rewards and the inevitable challenges along the way. It's raw, sometimes vulnerable, but always valuable. Join us and stay tuned to keep up with every inspiring story and lesson shared.
College students may be experts at pulling off last-minute study sessions, but when it comes to managing money, cramming simply does not work. The financial habits students develop during college can shape their decisions for years to come. Dr. Kelly Rush, a Finance Professor, Division Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University, says this season offers students an important opportunity to build a strong financial foundation. Rush, who also serves on the Board of Directors for Kingdom Advisors, encourages students and their parents to approach college finances with intentionality, clear communication, and biblical wisdom. Start Building Financial Habits Early Proverbs 22:6 says, “Train up a child in the way he should go; even when he is old he will not depart from it.” Although this verse applies broadly to a child's spiritual formation, its wisdom can also inform the way parents teach financial responsibility. The habits students establish during college may either move them toward wise stewardship or create patterns they will need to overcome later. Unfortunately, many college students rely on what Rush calls a “mental budget.” They may have a general idea of how much they should spend, but few have a written plan or consistently track where their money goes. Without those practices, students may watch their bank balances fall more quickly than expected without understanding why. A written budget allows them to compare what they intended to spend with what they actually spent. College expenses may feel irregular, but that makes budgeting more important—not less. Learning to plan, track, and adjust now can establish habits that continue long after graduation. Understand the Value of Time One of the most important financial concepts for college students is the time value of money. When someone saves or invests, time can become a powerful advantage. Even modest amounts accumulated consistently may grow significantly over a long period. That means college students do not necessarily need large incomes to begin building healthy financial habits. They need to begin early. Psalm 90:12 says, “Teach us to number our days that we may get a heart of wisdom.” Ephesians 5:15–16 similarly encourages believers to walk wisely and make the best use of their time. Students can apply that wisdom by beginning to save, give, and manage money faithfully while they are young. The earlier those practices begin, the more time they have to shape a lifetime of stewardship. However, time does not always work in a student's favor. Time benefits savers and investors, but it can work against borrowers. The longer the debt remains unpaid, the more interest it may accumulate. Avoiding unnecessary consumer debt during college can therefore be just as important as beginning to save. Recognize the Momentum of Small Purchases Money moves quickly in college. Students may understand major expenses such as tuition, transportation, or textbooks, yet underestimate the effect of frequent smaller purchases. Coffee, restaurant meals, streaming subscriptions, delivery fees, and spontaneous outings may not seem significant individually, but together they can consume a large portion of a student's budget. The problem is often not one unusually large purchase. It is the sheer number of transactions. Tracking expenses helps students recognize this momentum before it overwhelms their finances. A budgeting app can be especially helpful for students who rarely use cash and manage most of their financial lives digitally. The FaithFi app, for example, allows users to create a customized spending plan, organize transactions, and choose a money-management approach that fits their needs. The goal is not simply to restrict spending but to help students see clearly where their money is going. Create a Plan for Financial Independence Parents and students should also discuss when specific financial responsibilities will transfer from one to the other. Rather than leaving those expectations unclear, families can create a gradual plan for independence. They might determine when the student will begin paying for expenses such as: Gas Clothing Entertainment Cell phone service Insurance Groceries or meals Transportation costs Parents and students are on the same team, but every team needs a game plan. Clear communication about which expenses belong to the student—and when that responsibility begins—can prevent confusion and unnecessary tension. Once students begin managing their own expenses, it may also be appropriate for them to open an individual bank account. This gives them an opportunity to practice budgeting, monitor transactions, and take ownership of their financial decisions. Approach Credit Carefully College can also be a reasonable time to begin establishing credit, provided the student is prepared to use it responsibly. One possible starting point is a secured credit card. These cards generally require a refundable deposit that serves as collateral for the credit issuer. Students can then use the card for one predictable expense, such as gasoline, and pay the balance in full every month. Using a card for a limited, budgeted expense can help prevent overspending while gradually establishing a credit history. However, building credit should never become an excuse to carry debt. If a student cannot pay the entire balance each month, the card may be doing more harm than good. The objective is to demonstrate responsible payment habits—not to finance a lifestyle the student cannot afford. Find Flexible, Meaningful Work Income is another important part of a college budget. A consistent part-time job can help students cover expenses while teaching discipline, responsibility, and time management. The ideal position offers a strong return for the student's time while providing enough flexibility to accommodate classes and coursework. This may include traditional campus employment, but students can also consider opportunities such as refereeing youth sports, tutoring, providing haircuts, doing freelance work, or offering another practical service. Whenever possible, students may also benefit from finding work related to their field of study. A nursing student working in a hospital, for example, may gain professional experience while earning income. The goal is not simply to make as much money as possible. It is to find work that supports the student's education and contributes to long-term growth. Avoid the Promise of Financial Shortcuts One of the most dangerous temptations facing students is the promise of a quick financial return with little effort or sacrifice. That temptation can appear through speculative investments, online schemes, or sports betting. The rapid growth of sports betting on college campuses is particularly concerning because it can become addictive and lead students into escalating financial losses. 1 Timothy 6:9 warns, “Those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.” Wise stewardship does not attempt to bypass time. It embraces patience, discipline, and steady faithfulness. Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Students should be skeptical of any opportunity promising extraordinary rewards without meaningful work, risk, or patience. Biblical wisdom points instead toward consistent saving, honest labor, careful planning, and contentment. Faithfulness Begins With the Next Decision College students may not have large incomes, extensive savings, or predictable expenses. But they do have an opportunity to begin practicing faithful stewardship. A simple written budget, honest conversations with parents, cautious use of credit, steady work, and resistance to financial shortcuts can establish habits that serve them for decades. The goal is not financial perfection. It is learning to manage what God has provided with wisdom and faithfulness—one decision at a time. On Today's Program, Rob Answers Listener Questions: Is there a tax limit on how much I can give my child, and does that apply if I'm helping pay her student loans? Also, could I set up a personal loan for my daughter so she can repay me over time at a lower interest rate than the 8%-plus she's currently paying on her federal student loans? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn’t cut it. We often say that everyone needs a budget, and for college students, that might be even more crucial. On the next Faith & Finance Live, Rob West and Dr. Kelly Rush share practical budgeting advice every college student should hear. Then, it’s your financial questions. That’s Faith & Finance Live, where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
Send us Fan MailMost women start a side hustle to make a little extra money. Ashley Neidert started posting videos and built a six-figure business. She is here to tell you exactly how she did it and what nobody else is going to tell you before you start.Meet Ashley Neidert, full-time cat content creator, pediatric doctor of physical therapy, and the world's only pet content creator coach. Through her brand Petfluencer Secrets, she helps aspiring and growing pet creators turn their pages into real income through brand deals, YouTube, and scalable online revenue streams. Known for its honest, no fluff approach, Petfluencer Secrets focuses on strategy, storytelling, and sustainable growth, giving creators the tools and confidence to build a profitable pet brand without relying on viral moments.In this episode, we pull back the curtain on what it actually looks like to make real money as a pet content creator. This is not the highlight reel. This is the 4:00 AM Starbucks run, the algorithm shifts, the taxes nobody warned you about, and the real income timelines you need to hear before you start.You will walk away with a clear-eyed, no-fluff picture of the pet influencer world, plus practical steps to start building your own channel the right way.Want to start a side hustle? Join us for next week's Money Talks “The Tax and Money Moves You Need to Make Now” Let's talk about the financial side of actually running it. From estimated taxes to business structure to keeping your books right, we're covering what every woman building a side income needs to know. Click here to register for FREE and bring your questions! Follow & connect with Ashley:WebsiteInstagramYoutube Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...
On $55K a year, your first money move isn't a bigger paycheck. It's fixing the leak that's already there.In this episode, Anthony breaks down a sermon he gave at Union Church using the FAITH framework, showing why so many hardworking, faithful people stay broke even while praying, believing, and quoting scripture. If you're living on an average income and tired of your money disappearing before the month ends, this is where you start.Timestamps:0:00 Intro: The sermon that broke down money through faith2:15 Haggai 1:5: Why your paycheck goes in with holes already in it6:40 F: Give God your First (the tithing test on a real budget)14:20 A: Assign the other 90% (how to tell your money what to do)22:00 I: Increase your money (margin, saving, and building opportunity funds)29:30 T: Transformation (why your mindset has to keep evolving)33:00 H: Heritage (protection, paperwork, and preparation)40:00 The story of a man who died without a will, and what it cost his family44:00 Announcing the Freedom Circle community47:00 5 questions to ask before your next purchaseMentioned in this episode:Budgeting app (In The Black): anthonyoneal.com/appFreedom Circle community waitlist: coming soon, link to be addedHigh yield savings account breakdown (referenced episode): link in pinned commentWe're building toward 1 million E3 family members who are done being broke and faithful at the same time. If this episode challenged you, hit subscribe and share it with someone who needs to hear it this week.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.
Chris’s Summary “Jim and I begin a multi-part discussion on the Fun Number, a retirement budgeting concept for how much someone can spend on what they want rather than what they need once other obligations are covered. Jim traces how the idea originated from a client hesitant to follow through with his retirement dreams despite having more than enough saved to do so. In response, a single undifferentiated portfolio evolved over time into separately identified reserve positions. Jim’s “Pithy” Summary Chris and I are kicking off a series on the Fun Number, the concept, along with the Minimum Dignity Floor, that I’ve built my whole approach to retirement budgeting on. This first episode lays the groundwork for a multi-part discussion, since arriving at that number means first identifying everything else that needs to be sorted out first. To get into where the idea actually came from, I tell the story of a client who had more than enough saved but still couldn’t bring himself to buy the camper trailer he’d been dreaming about for years. Watching that play out taught me something I just couldn’t shake: money sitting inside one big portfolio, all lumped together, is money many don’t feel safe spending, no matter what the math says. That realization led me to start pulling pieces out of a portfolio. It started with handwritten notes and a three-bucket approach that never quite solved the problem. I kept pulling pieces out, the way a kid digs through a toy box, separating out what’s needed for security and reserves so what’s left becomes visible and spendable, for whatever someone wants to do with it. That thinking eventually grew into what’s now called the See Through Portfolio. The post Retirement Budgeting – The Fun Number: EDU #2629 appeared first on The Retirement and IRA Show.
Simon Chadwick discusses leadership, decision-making, and the impact of data in marketing. Discover insights on strategic thinking, change management, and the value of empathy in leadership. Takeaways -Effective leaders deploy empathy and strategic thinking in complex situations. -Measuring ROI in insights involves comparing outcomes to the status quo. -Data storytelling is crucial for influencing decision-makers. Sound bites "Empathy and decision-making are interconnected." "Data can save millions by preventing bad investments." "Position insights as an asset on the balance sheet." Chapters 08:27 Understanding Customer Experience and Data Utilization 10:16 Measuring Return on Investment in Insights 12:45 The Importance of Storytelling in Business 15:24 Insights Function as a Strategic Asset 18:15 Budgeting for Insights: A Strategic Approach 20:02 The Relevance of 'For the People' in Today's Context
In this Tyler Tech Podcast episode, recorded live at Tyler Connect 2026 in Las Vegas, Chris Fabian (Tyler Technologies), Nick Mastronardi (Polco), and Liz Stewart (Envisio) explore how local governments are rethinking budgeting in a time of fiscal pressure, rising expectations, and rapid technological change. Drawing on insights from workshops and readiness assessments conducted with public sector organizations, the conversation highlights how leaders are moving beyond traditional budgeting processes toward more outcomes-driven, data-informed decision making. At the center of this shift is a broader industry focus on rethinking budgeting, shaped in part through ongoing collaboration with the Government Finance Officers Association (GFOA). Working together, these organizations have contributed to frameworks and tools that help governments better align resources with community priorities, incorporate data and resident input, and improve transparency. One example is the jointly developed readiness assessment, which enables organizations to benchmark their current budgeting practices, identify strengths and gaps, and establish a clearer path forward. From practical frameworks like priority-based budgeting to emerging AI-enabled tools, the episode highlights how governments can reduce complexity, accelerate analysis, and spend more time focusing on strategic decisions rather than manual processes. The guests also emphasize the importance of starting with structure — using assessments to establish a baseline, build cross-departmental alignment, and prioritize where to take action first. This episode also highlights City Hall Selfie Day, an annual initiative celebrating public service and civic pride. The campaign encourages local governments and community members to showcase the places and people behind public service, helping build awareness, engagement, and appreciation for the work happening across cities, counties, and agencies. Download: AI for Impact: Proven Results for Government Watch: How to Transform Budgeting Processes for Uncertain Times Watch: A Transformative Partnership for Priority-Based Budgeting Read: Tyler, Envisio, Polco: Transformative Budgeting Partnership Read: How Rethinking Budgeting Builds Trust, Agility, and Results Read: When Budget Pressure Forces Leaders to Change Tactics Listen to other episodes of the podcast. Let us know what you think about the Tyler Tech Podcast in this survey!
Most entrepreneurs were taught one budget. Build it once, defend it forever, feel like a failure the second life changes. That's not a budgeting problem. That's a broken model. In this episode, Tanya breaks down why the "one-and-done" budget was never built for a moving business, and introduces the living budget: a plan with three real jobs: giving every dollar a purpose, turning big decisions into math instead of mood, and making profit on purpose instead of hoping it shows up at the end of the month. If you've ever built a budget in January and abandoned it by February, this episode is for you. What you'll learn: Why avoiding your numbers is really about avoiding a decision The 3 jobs every living budget needs to do The difference between tracking money and managing it The 3 most common ways smart entrepreneurs sabotage their own money plan
In this episode of the Earn and Invest podcast, host Doc G interviews Jesse Mecham, founder of the highly popular financial software YNAB (You Need A Budget), to discuss his upcoming book, Never Worry About Money Again. The conversation centers on a radical shift in Mecham's philosophy: abandoning the word "budget" in favor of mastering intentional spending. Learn more about your ad choices. Visit megaphone.fm/adchoices
What if the greatest shift you could make in your financial life didn't begin with a new budget, a better investment strategy, or a higher income—but with surrender? We don't often think of surrender as a financial word, but it lies at the heart of biblical stewardship. When we embrace the life-changing truth that God owns everything, it transforms how we live, give, plan, and manage the resources He has entrusted to us. The First Question Scripture Asks When we think about money, we tend to ask familiar questions: How much do I have? How much will I need? Am I making progress? Am I doing better or worse than others? Those questions may be important, but they are not where Scripture begins. From the opening pages of the Bible, God is revealed as the Creator and owner of everything. Before humanity ever cultivated a garden or named a creature, God formed, filled, and ruled creation. Psalm 24:1 declares: “The earth is the Lord's and the fullness thereof, the world and those who dwell therein.” Simply put, God is the owner, and we are His stewards. For many Christians, that is a familiar idea. But familiarity does not always lead to surrender. We may affirm that God owns the universe while living as though we built our lives entirely through our own effort. We say, “I worked for this,” or, “I earned this.” And while diligent work matters, Scripture reminds us that even our ability to produce wealth comes from God. Deuteronomy 8:18 says: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” Our talents, opportunities, health, time, and ability to work are all gifts from the Lord. Owners or Stewards? Jesus develops this idea in the parable of the talents in Matthew 25. A master entrusts resources to three servants before leaving on a journey. Two servants put what they received to work, while the third buries his portion out of fear. When the master returns, he commends the first two servants—not merely because they produced impressive results, but because they were faithful. That distinction matters. The world often defines success by outcomes: how much we earn, accumulate, grow, or achieve. God calls us to something deeper—faithfulness with whatever He has placed in our hands. If God owns everything, then we are not owners in the ultimate sense. We are managers. The New Testament word commonly translated as “steward” is oikonomos, meaning “household manager.” A steward manages resources he did not create, for purposes he did not determine, under the authority of the master he serves. At first, that may sound limiting. In reality, it is profoundly freeing. As financial teacher Ron Blue has often said, “If God owns it all, you can't lose anything.” Ownership carries an enormous burden. The owner must ultimately provide, protect, and control. But if God is the owner, then we do not have to carry those responsibilities alone. Stewardship carries responsibility, but it also rests on trust. When Financial Choices Become Worship When we truly embrace stewardship, ordinary financial decisions become opportunities to worship God. Budgeting becomes more than organizing income and expenses. It becomes a way of aligning our desires with God's priorities. Giving becomes a response to the generosity we have already received from Him. Saving becomes wise preparation rather than fearful hoarding. Planning becomes an act of obedience rather than an attempt to control every possible outcome. Investing becomes a way to cultivate and multiply what belongs to the Lord, not a strategy for securing complete independence from Him. The Puritan pastor Thomas Watson once wrote, “What we keep, we may lose. What we give to God is kept forever.” That statement reminds us that earthly ownership is temporary, but faithful stewardship has eternal significance. The apostle Paul writes in 1 Timothy 6:7: “For we brought nothing into the world, and we cannot take anything out of the world.” That reality is not meant to discourage us. It is meant to liberate us. When we stop clutching what we cannot keep, we become free to invest our lives in what can never be lost. Faithfulness Begins With Surrender If God owns everything, what does He expect from us? Jesus gives us a clear answer in Luke 16:10: “One who is faithful in a very little is also faithful in much.” Faithfulness is not determined by the size of our income, investment portfolio, home, or charitable gifts. It is about how we respond to whatever God has entrusted to us. Stewardship is not reserved for the wealthy. It applies to every person in every financial season. A person living paycheck to paycheck can be faithful. A retiree managing decades of savings can be faithful. A young adult earning their first salary can be faithful. A business owner, parent, student, or widow can all honor God through the resources in their care. Faithfulness is not primarily about how much we have. It is about whether we have surrendered what we have to God. And surrender always begins in the heart. The Humility and Hope of Stewardship When we accept that God owns it all, we receive two things the world cannot offer: humility and hope. We gain humility because we stop viewing our accomplishments as entirely self-made. We recognize God as the source of our abilities, opportunities, and provision. We gain hope because we realize that we are not carrying the burden of provision alone. God equips. God guides. God provides. That does not mean we stop working, planning, or making wise decisions. Biblical stewardship requires diligence. But it allows us to work faithfully without treating every result as though it depends entirely on us. So where might God be inviting you to shift from an owner's mindset to a steward's heart? Perhaps it is in your giving, planning, saving, or lifestyle. Perhaps it is in the quiet assumption that your security depends more on markets, income, or possessions than on the God who “owns the cattle on a thousand hills” (Psalm 50:10). Stewardship is not about God trying to get something from you. It is about God doing something within you. It reorders the heart so that money occupies its proper place—not as a master, but as a tool entrusted to us for God's purposes and glory. Continue the Journey To explore more about God's ownership and the surrender at the heart of faithful stewardship, consider Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. This devotional is designed to help you examine your relationship with money, possessions, generosity, and the God who owns it all. Copies are available for individuals, churches, and small groups at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I'm working on my budget and currently contributing 15% to my 401(k), with about a 5% employer match. But I have less than two months of expenses in my emergency fund. Should I reduce my 401(k) contributions and focus on building six months of emergency savings first? My mother passed away and left my sister a house in Lares, Puerto Rico, but the title was never transferred into my sister's name. She's been living there for about a year. What process does she need to follow to get legal ownership under Puerto Rico law? Some relatives inherited property and are receiving calls from out-of-town people offering to help them sell it. What kind of professional should they work with? Could a Certified Kingdom Advisor® (CKA®) help them find a trustworthy real estate attorney or other needed professionals? I'm a widow, and since my husband passed away a couple of years ago, I've felt unsure about financial decisions. I have a little over $1 million in an IRA, no debt or mortgage, and my expenses are covered by survivor Social Security and part-time work. I want to steward these assets well for my children and grandchildren. What strategy should I consider for the IRA, and what kind of advisor should I work with? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
BOOK YOUR 1:1 ALIGNMENT CALLFINAL SPACES FOR 1:1 COACHINGRepurpose Ai: Streamline your content creation and repurpose effortlessly with Repurpose Ai.Later Content Scheduling: Simplify your social media strategy with Later.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using this link.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the question form.Where To Find Us:Instagram: @sigma.wmnTikTok: @sigma.wmnNewsletter: Subscribe hereThreads: @sigma.wmnIn Part 2, we unpack the hidden business mistakes that can quietly cost women business owners thousands when growth is happening without the right strategic oversight. From staying a sole practitioner for too long, to overspending on contractors, to making decisions without fully understanding the financial implications, this episode looks at the risks that often sit beneath the surface of business growth.We explore why business structure matters more than many women business owners realise, especially when revenue is increasing and responsibilities are expanding. What feels like keeping things simple can sometimes create unnecessary tax pressure, financial inefficiency or long-term complications. We also look at the costly mistakes that happen when support is brought in too soon, too vaguely, or without knowing what good support should actually look like.Tune in to hear:The risks of staying a sole practitioner for too long.Why overspending on contractors can quietly drain your business.How to avoid getting ripped off by support you do not actually need.Why strategic oversight matters when making financial and operational decisions.Find the Complete Show Notes Here → https://sigmawmn.com/podcastIn This Episode, You'll Learn:Why staying a sole practitioner for too long can create financial and tax-related problems.How to recognise when contractor support is unnecessary, premature or overpriced.What can go wrong when business decisions are made without strategic oversight.Why understanding what to look for in contractors can protect your time and money.How stronger business structures and sharper decision-making support long-term profitability.Themes & Time Stamps:0:00 – Introduction: mistakes business owners make without a consultant0:36 – Why this series: consulting is more than social media & marketing2:25 – Mistake #1: Staying a sole trader too long instead of incorporating4:06 – The accountant who failed to act — and the $100K tax debt5:21 – How she paid off nearly six figures in 14 months6:51 – Lesson: don't stay loyal to contractors who aren't delivering8:13 – Sole trader vs. company structure: talk to your accountant8:50 – Budgeting advice: running on 70% toward debt & investing9:35 – Mistake #2: Spending money on contractors you don't need10:24 – When to hire a VA (and when NOT to)11:00 – Getting ripped off by contractors — and how to spot it11:44 – Mistake #3: Doing things that are illegal or against regulation12:44 – Why the "boring" structural stuff matters most13:20 – Wrap-up: leave a review & request more episodes
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Should you be financially secure before getting married?
Send us Fan Mail"I realized my money was actually invested in ways that were undermining me. It was invested in things that were creating the problems I was trying to solve."- Janine FirpoMeet Janine Firpo, co-founder of the nonprofit Invest for Better and author of Activate Your Money. With a 35-plus-year career that took her from coding in Silicon Valley in 1981 to fighting international poverty with technology, Janine's path has never been ordinary. After retiring eight years ago, she took her money back from her financial advisors, started figuring it out herself, and founded a movement. Today, she helps women step into their economic power, not just by investing more, but by investing with intention and in alignment with their values.In this episode, we sit down with Janine for one of the most eye-opening conversations we have ever had about women and money. This one goes deep. We are talking about what it really means to invest with your values, why most of us have no idea what our money is actually doing in the world, and how even small shifts can create a ripple effect that changes everything.You will walk away with practical, no-overwhelm steps to start aligning your money with your values today, even if you only have a bank account.Women are outperforming men in investing but we're still less likely to start. If you'd like to take the next steps, Join us for next week's Money Talks “Your Next Investment Move: A Step-by-Step Breakdown”. We're getting into how to begin, what actually matters, and why the biggest risk is waiting too long. Click here to register for FREE and bring your questions! Follow & connect with Janine:Invest For BetterOur Sheconomy InstagramLinkedIn Our Sheconomy on LinkedIn Activateyourmoney.net Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...
In this AMA episode, Ben Felix, Dan Bortolotti, and Ben Wilson tackle a wide range of practical investing questions submitted by listeners. They begin by discussing one of the most common investing mistakes—market timing—and explain why getting back into the market is often harder than getting out. From there, they explore the evidence behind lump sum investing versus dollar-cost averaging, why high valuations rarely justify sitting in cash, and how your discomfort with investing may reveal a mismatch between your portfolio and your true risk tolerance. The conversation also pulls back the curtain on PWL Capital's investment committee, detailing how new investment products are evaluated, how due diligence is conducted, and why even seemingly simple index funds require ongoing scrutiny. They then examine whether any recent Canadian ETF innovations are genuinely useful, discuss retirement-focused T-Series asset allocation ETFs, debate whether gamified trading creates opportunities for active management, and respond to questions about inflation, currency debasement, and the real drivers of long-term stock returns. As always, the episode closes with a lighter listener question before reading a review from the audience. Key Points From This Episode: (0:04) Introduction and why AMA episodes continue to resonate with listeners. (0:55) A listener asks how to reinvest after selling half their portfolio over bubble concerns. (2:00) Why successful market timing requires being right twice. (3:04) Why all-time market highs are normal and poor signals for investment decisions. (4:00) What market valuations can—and cannot—tell us about future returns. (5:00) The evidence comparing lump sum investing with dollar-cost averaging. (6:34) Why even the worst historical entry points rarely favor dollar-cost averaging. (9:07) How investment anxiety often points to an overly aggressive asset allocation. (11:37) The psychology of buying after market crashes and why investors rarely do. (13:20) Why the best strategy is often whichever gets you invested and keeps you there. (16:14) A behind-the-scenes look at PWL Capital's investment committee. (17:23) How new securities are researched, reviewed, and approved. (19:10) How acquisitions have changed the firm's investment oversight process. (20:15) Annual due diligence on ETF providers and fund managers. (21:55) Why even plain-vanilla index funds require performance monitoring. (25:17) Are there any genuinely innovative new Canadian ETFs? (26:27) Why most ETF innovation is driven by investor demand rather than better investing. (28:19) Avantis ETFs and discount bond ETFs as notable recent developments. (33:52) Why ETF issuers tend to launch products after investment themes become popular. (33:52) Where investors should spend their planning time when wealth is still relatively small. (35:00) Why growing human capital often has a greater impact than optimizing investments. (37:59) Budgeting, saving, and account selection early in an investing journey. (39:14) BMO's new T-Series asset allocation ETFs and how they generate retirement income. (41:56) Understanding managed distributions and return of capital. (44:08) Why these retirement ETFs may suit DIY investors but not every retiree. (48:31) Whether gamified trading and meme stocks create opportunities for active managers. (50:08) What the evidence says about active management in small-cap growth stocks. (53:39) Why market competition limits persistent opportunities from retail speculation. (53:39) Do stocks only rise because governments debase currencies? (55:59) Inflation measurement, currency debasement, and common misconceptions. (58:10) Why productive businesses—not money printing alone—drive long-term stock returns. (59:53) Ben answers a listener's basketball shoe question. (1:02:02) A listener review from Switzerland and closing remarks. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dollar Cost Averaging vs Lump Sum Investing - https://pwlcapital.com/wp-content/uploads/2024/08/Dollar-Cost-Averaging-vs-Lump-Sum-Investing.pdf Buy The Dip - https://pwlcapital.com/wp-content/uploads/2024/08/PWL-Felix-Warwick-Buy-The-Dip_A.pdf Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)
Although we're in summer, the start of school is just around the corner. Are you ready? How do you get ready for school every year? Shawn has two kids - one in high school and one in middle school. George has one in college (and one who just graduated college). Some of the expenses you may incur for kids going back to school: Books Supplies Lunches Clothes / Uniforms Sports / Extracurricular Activities Electronics (computer, calculator) What hidden expenses are there that we have not mentioned? Where can you cut costs, like hand-me-downs, splitting supplies between kids, and taking advantage of sales tax holidays. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
What does it actually look like to get better at budgeting?Most people think budgeting starts and ends with writing down their bills and paying them on time. While that's a great start, it's only the beginning.In this episode, I'm walking you through what the journey of budgeting really looks like—from creating your first zero-balance budget to planning ahead, building savings, reaching bigger financial goals, and becoming someone who feels calm and confident with money.
Quicken Simplifi vs Rocket Money vs EveryDollar: Which budgeting app is best for beginners? This episode compares three of the best budgeting apps and explains how to set up a monthly budget correctly.Budgeting apps can automate transactions, organize spending and track financial goals, but the wrong app,or the wrong setup,can create more confusion than clarity. In this episode of The Financial Mirror, we compare Simplifi, Rocket Money and EveryDollar based on ease of use, automation, planning style and the amount of involvement each app requires.You will learn when budgeting apps help, when they become overwhelming, how automation differs from active tracking, and why realistic categories matter more than a perfect-looking dashboard.The episode also includes a complete monthly budget example using $5,250 in take-home pay. You will see how the same income can be reorganized to build an emergency fund, reduce credit card debt and prepare for irregular expenses.Most financial problems are not simply math problems. They are structure and behavior problems. The right budgeting system should reduce friction, make your priorities visible and help you make better decisions throughout the month.For hands-on assistance, information about my budgeting app setup service is included below.Subscribe to The Financial Mirror for calm, practical and beginner-friendly financial education.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#BudgetingApps #BudgetingForBeginners #QuickenSimplifi #RocketMoney #EveryDollar#MonthlyBudget #BudgetingTips #MoneyManagement #PersonalFinance #FinancialEducation #ZeroBasedBudget #ExpenseTracking #TheFinancialMirror
What would it look like if your financial plan actually included a line item for aesthetics? Melissa Joy, CFP®, sits down with Stephanie Stewart, PA-C, founder of The Aesthetic Method, an award-winning medical spa in Ferndale, Michigan, to have the honest conversation that most financial planners and patients avoid entirely. From the secret dollars women squirrel away for skincare to the emotional weight of wanting to invest in how you look and feel, this episode brings a private topic into the open where it belongs.Stephanie shares her remarkable path from emergency medicine to entrepreneurship, sparked by a car accident at 15 that required years of facial reconstructive surgeries. She opens up about the real cost of injectable treatments, what a full face assessment actually looks like, and how to find a provider you can trust. Melissa and Stephanie also explore the parallel between financial planning and aesthetic medicine, two fields built on transparency, trust, and the courage to say no when it is not the right fit.What You'll LearnHow burnout in the emergency department led Stephanie to found The Aesthetic Method in 2018Why women often keep aesthetic spending secret, and how to change that conversationWhat happens during a full face assessment and how a personalized treatment plan is builtThe difference between neuromodulators, bio-stimulators, and filler, and how long each lastsReal cost ranges for common injectable treatments, from 500 dollar Botox sessions to 3,500 dollar Sculptra plansGreen flags and red flags to look for when choosing a med spa providerWhy a provider willing to say no is a sign of someone looking out for youHow financial planners and aesthetic professionals share a standard of care worth seeking outConnect with Stephanietheaestheticmethod.comInstagram: The Aesthetic MethodThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...
Episode Summary What if your biggest financial leak isn't your spending—but your bank? Many Christians faithfully tithe, budget, and work hard, yet unknowingly lose hundreds or even thousands of dollars every year because their banking system is working against them. In this episode, Dr. Chonta Haynes reveals three biblical financial pillars every Kingdom entrepreneur needs: banking wisely, building wealth intentionally, and budgeting according to your God-designed Money Personality. You'll learn how to eliminate unnecessary bank fees, earn more from your savings without working harder, separate business and personal finances, and build a financial structure that honors God while creating lasting wealth. If you're ready to stop leaking money and start building legacy, this episode is for you. Detailed Timestamps 00:00 Why your bank may be quietly stealing your money 01:20 The hidden fees most Christians never notice 02:20 Three banking decisions every Kingdom entrepreneur should make 03:40 Why changing banks may be the smartest financial move you'll make 05:00 How maintenance fees quietly drain your wealth 06:45 What your checking account should NEVER charge you 08:25 The easiest money you'll ever earn without working another hour 09:00 Real story: How moving one account earned hundreds of dollars 10:30 Why traditional savings accounts are costing you money 12:35 Why business and personal finances should never mix 14:00 The biblical financial structure every entrepreneur needs 14:40 Why budgeting fails for most Christians 15:40 Budgeting tips for Steam personalities 16:20 Budgeting tips for Water personalities 16:55 Budgeting tips for Ice personalities 17:30 Budgeting tips for Fire personalities 18:30 Build a financial system that creates peace instead of panic 19:00 Preview: Using AI for Biblical Stewardship CROWNed by Design Collective: https://chontahaynes.com/collective Books mentioned by Dr. Haynes: https://chontahaynes.com/books Connect with Dr. Chonta Haynes: Book a call https://chontahaynes.com/destiny YouTube: https://youtube.com/@ChontaHaynes Instagram: https://Instagram.com/ctahaynes LinkedIn: https://linkedin.com/in/chonta-haynes Support the Mission Heart 2 Heart Truth Foundation Donate: https://www.paypal.com/donate?hosted_button_id=UZG5B9KX59U4S
Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes and learn more at: OLDPodcast.com. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of Run the Numbers, CJ sits down with Rogo president Rahul Rekhi to unpack what AI actually changes in investment banking and finance. They dig into token economics, why adoption without ROI is a trap, how vertical AI wins, and why domain expertise still matter.—SPONSORS:Pulley is an equity management platform that lets you issue options, model dilution, and complete 409As without your cap table turning into a spreadsheet disaster. Founders raising, hiring, and scaling use Pulley to keep equity clean and stay focused on building. Learn more or request a demo at https://pulley.com/mostlymetricsRillet is an AI-native ERP built for modern finance teams that want to replace NetSuite and close faster. With revenue recognition, close management, multi-entity support, and native Stripe and Salesforce integrations, Rillet helps scaling companies run their finance stack in one place. Hundreds of teams, including Windsurf and Mercor, use Rillet to make the zero-day close real. Book a demo at https://www.rillet.com/cjMaximor is an autonomous finance platform that runs order-to-cash, procure-to-pay, the close, cash management, and reporting on self-learning agents instead of a dozen disconnected tools. One PE-backed customer cut their close in half, took audit findings from seven to zero, and cut back-office costs by 70% in six months. You pay for outcomes, not seats. See it at https://www.maximor.ai/Brex is an intelligent finance platform with AI-powered agents that capture expenses automatically, enforce policy before the spend happens, and close your books in minutes instead of weeks. 35,000+ companies like OpenAI, Coinbase, Anthropic, and DoorDash already run on Brex. It's time to get Brex AF. Learn more at https://www.brex.com/metricsAnrok is the sales tax platform that watches your exposure everywhere, automates compliance, and flags risk before it turns into a surprise back-tax letter from a state you've never set foot in. Companies like Anthropic, Notion, and Vanta already trust Anrok to stay ahead of rules that move faster than any spreadsheet can. Talk to a sales tax expert for a personalized exposure estimate at https://www.anrok.com/rtnRightRev is an automated revenue recognition platform that lets your product team ship new pricing without asking finance for permission, and your sales team close deals without creating downstream chaos. Check out their free tool at calculator.rightrev.com It scores your rev rec process, shows what's exposing you to risk, and tells you exactly where to focus before it bites you in the rear end. Check it out at https://calculator.rightrev.com—LINKS: Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNGuest: https://www.linkedin.com/in/rahulrekhi/Company: https://www.rogo.ai/CJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:A CFO Explains the Stock Exchangeshttps://youtu.be/pooOE6ZNGR4A CFO Explains Marketplaceshttps://youtu.be/LpbH9GpBrSY—TIMESTAMPS:0:00 Preview and Intro2:44 Why finance was first to verticalize AI6:28 What the president title means at Rogo9:55 Sponsors — Pulley | Rillet | Maximor13:02 The problem Rogo is solving16:16 Token maxing is not transformation17:43 Why ROI is so hard to measure19:39 Sponsors — Brex | Anrok | RightRev22:37 ROI is business-unit specific24:03 Budgeting tokens like a benefits load25:00 AI incentives aren't aligned to efficiency26:26 The model broker function32:03 Not all token spend is equal37:14 Who owns AI efficiency?40:59 The forward deployed banker43:00 Domain expertise: the Interstellar analogy49:21 Lightning round49:28 Screwed up: DCF error in a live deal51:13 Will new grads have the spidey sense?53:03 Meeting Pope Francis55:04 Fact-checking jobs numbers at the White House57:39 Advice to younger self59:21 Credits
Summer is the perfect time to pause, reset, and make sure your money is still working for you. In this episode of Dollars & Sense, Zach Keister and Kristin Kalley walk through practical midyear money moves that can help you review your financial goals, get organized, and protect your household from costly mistakes. First, they cover how to run a simple midyear money reset by reviewing what came in, what went out, what you owe, and what you have saved. Then, they discuss why credit card debt can quietly build during the summer, how to create a realistic payoff plan, and how small spending “speed bumps” can help reduce impulse purchases. The conversation also covers financial loose ends that are easy to put off but important to review, including beneficiary designations, old retirement accounts, estate planning documents, and account consolidation. Finally, Zach and Kristin shift into cybercrime awareness, sharing key takeaways from the FBI internet crime report, including how AI is making scams more convincing, why younger people are increasingly being targeted, how government impersonation scams are evolving, and why crypto fraud is driving major losses. If you are looking for practical personal finance tips, ways to pay down debt, or reminders to protect your family from financial scams, this episode is a great place to start. In this episode: midyear financial reset, credit card payoff strategies, budgeting tips, retirement account cleanup, beneficiary reviews, estate planning basics, cybercrime prevention, AI scams, government impersonation scams, and cryptocurrency fraud awareness.
Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes and learn more at: OLDPodcast.com. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices
Seriously in Business: Brand + Design, Marketing and Business
I'm sitting in my trackies with a bump that's getting pretty big, and I wanted to give you the unpolished version of how I'm preparing for maternity leave. Because every mat leave I've taken has looked completely different, and this one's got more moving parts than the last two combined. A team on retainer. A course. A coaching program. A design studio. And a funnel I switched from live to evergreen a month ago that, if I'm honest with you, hasn't made a sale yet. I'm walking you through what's actually happening behind the scenes. How I'm paying my team while I take two months off. Why I've pre-recorded content through to October. What I'm handing over to my team. And the bit nobody really talks about, which is what happens when the passive income you built your whole business around... isn't being very passive right now. If you want to look at the exact funnel I've built, watch my Free Canva Masterclass: Design Tools to $100k
Send us Fan MailDo you have points sitting in an account right now that you have no idea what to do with? You signed up for the card, you spent the money, and somehow it still feels like not much of a value for you? Tiffany Funk is here to fix that.Tiffany Funk is the co-founder of Point Me, a platform built to make travel loyalty programs actually accessible to real people. She is a recognized expert in points, miles, and the financial systems that connect airlines, credit cards, and consumers and she has spent her career cutting through the noise so women can make smarter choices with the money they are already spending.WHAT WE COVER06:30 Why there are so few women in the miles and points space11:30 The mutual fund strategy for picking your everyday card16:00 The truth about first class upgrades and lounge access22:00 How many credit cards do you actually need?26:00 Business credit cards for women-owned businesses30:30 The one simple shift that doubles or triples your pointsTiffany left us with something worth sitting with: financial freedom is about having good choices available. This episode is your starting point. And if this topic is important to you, join us for next week's Money Talks; “The Solo Traveler's Money Guide: How to Budget for Adventure as a Woman”. Click here to register for FREE and bring your questions! This episode is supported by Meredith Schnepp, VTA, CCC, founder of Sunkissed Bliss Travel. Meredith designs deeply personal, seamless travel experiences for busy women, couples, and families who want beautifully executed trips without the time, stress, or guesswork of planning it themselves. Through carefully vetted global partners and high-touch, full-service planning, she makes sure every detail is handled so you can show up and actually enjoy your trip. If you're ready to invest in travel that feels as meaningful as it is memorable, book your complimentary consultation at www.sunkissedblisstravel.com and follow her on LinkedIn, Instagram, and Facebook.Follow & connect with Tiffany:LinkedInWebsite InstagramWant to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...
Chapter 1. If you've tried budgeting apps, spreadsheets, and rules and still ended up unsure, this is the episode that explains why, and why it was never a flaw in you. Kelsa Dickey reads Chapter 1 of SpendFirst, including the story of Jessie and Joe, a capable couple doing everything “right” and still drowning. The problem was never discipline. It was that traditional budgeting never helped them see how their money actually moves. Press play, then subscribe so you don't miss Chapter 2 next Thursday. Start here: https://spendfirst.com/start.
There's a new budgeting trend that's supposedly helping Gen Z learn to save money. It's called "loud budgeting" and involves having open conversations about money and finances. Certified Financial Planner at DMBA Shane Stewart joins Greg and Holly for a lively discussion on this trend and on other ways parents -- both young and old -- can teach their children financial responsibility.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, sometimes the budget just does not math the way we want it to.In this episode, Shana and Vanessa talk through what happens when personal and business budgets are connected, income is fluctuating, and the month is coming up short. Instead of making tiny stressful transfers from savings all month long, they walk through why it can be more helpful to make one intentional transfer, close the budget gap, and move forward with clarity.They also dig into business budgets, especially for owners with seasonal or inconsistent income. We talk about saving during higher-income months, funding savings buckets, preparing for upcoming expenses, and yes, even building in profit and bonuses.Because budgeting is not just about bills, debt, and taxes. It is also about peace, breathing room, and giving yourself permission to build something that actually works for real life.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.
In this episode, host Josh interviews Ritu Java, CEO of PPC Ninja, about effective Amazon PPC management. Ritu shares insights on healthy PPC-to-organic sales ratios, TACoS benchmarks, and the importance of budgeting based on net margin. She cautions about the complexities of sponsored display ads and stresses the need for regular account audits. Ritu also recommends The Goal by Eli Goldratt, highlights ChatGPT as a productivity tool, and suggests following Kevin King for e-commerce insights. The episode concludes with Ritu offering a free PPC audit and sharing her contact details.Chapters:Introduction & Guest Background (00:00:00)Josh introduces Ritu Java, her background, and expertise in Amazon PPC and e-commerce.Healthy PPC to Organic Sales Ratios (00:00:58)Discussion on what constitutes a healthy PPC to organic sales ratio, with examples from different product categories.TACoS Benchmarks & Profitability (00:03:04)Explains TACoS (Total Advertising Cost of Sales), how it changes over time, and guidelines for setting targets.Calculating Net Margin and TACoS (00:06:07)Breakdown of how to calculate net margin, relevant costs, and what a reasonable TACoS percentage looks like.Budgeting and PPC Management Takeaways (00:08:08)Three actionable takeaways: budgeting for PPC, being cautious with sponsored display ads, and performing regular account audits.Book Recommendation: The Goal (00:11:26)Ritu recommends "The Goal" by Eliyahu Goldratt and explains its impact on understanding business bottlenecks.Productivity Tool Recommendation: ChatGPT (00:13:14)Ritu shares ChatGPT as her favorite productivity tool and describes how she uses it, especially for Google Sheets formulas.E-commerce Influencer Recommendation (00:15:09)Ritu recommends following Kevin King for his innovative ideas and influence in the e-commerce space.How to Connect with Ritu Java (00:16:23)Ritu shares how listeners can contact her for audits, masterminds, and follow her content online.Episode Wrap-up (00:16:48)Josh thanks Ritu for her time and insights, closing the episode.Links and Mentions:Tools and Software "PPC Ninja": "00:00:50" "ChatGPT": "00:13:14" "Google Sheets": "00:14:05" Books "The Goal by Eli Goldratt": "00:11:31" People "Kevin King": "00:15:09" Contact Information "Email (ritu@ppcninja.com)": "00:16:23" "LinkedIn (Ritu Java)": "00:16:23"Transcript:Josh 00:00:00 So today I'm super excited to introduce you all to Ritu Java. Ritu has started her e-commerce journey as an Etsy seller over ten years ago. She is the CEO of PPC Ninja, a software tools and services provider managing Amazon ads for six, seven, and eight figure brands. As someone who is really passionate about data science and advertising, Ritu has dozens of PPC mastermind programs, workshops, and webinar and has even trained hundreds of Amazon sellers on PPC. She has shared her knowledge on over 100 podcasts, webinars, blogs and conferences including the Prosper Show, Global Sources Summit, Powwow, the Billion Dollar Seller Summit, and many more. So with that introduction, Ritu, welcome to the show.Ritu 00:00:50 Josh, thank you so much for having me. I am super excited to be here and to talk all about PPC today.Josh 00:00:58 What is what would you recommend from the hundreds of accounts that you viewed. The sellers that are using your platform and software. What do you see right now is a healthy balance of PPC sales to organic sales for an established brand.Ritu 00:01:14 Yeah, and I think it's very dependent on the category. Some categories are so saturated that 60, 40, 60 PPC and 40% organic is becoming the norm. For example, just to give you an example from the pet space just so crowded, like especially if you're, you know, selling any kind of like, dog toys or, you know, pet products and things like that. there's so much competition there that, you know, 50 to 60% coming from ads is pretty normal. Like, there's no chance you can compete with mainland Chinese brands with just organic. They've already got 20,000 reviews and more like, how can you, you know, how can you even compete? Begin to compete with that, right? So the ads become your only way, your only chance of being seen. And that leads to the 6040 ratio. But in some of the other categories where it's a little bit more, you know, difficult for anyone to imitate you or to provide services that, you know, require human, you know, intensive work like support or whatever, like after the fact, it's probably still okay to get like 40% from, ads and 60% from organic.Ritu 00:02:37 So let's say research heavy products or products that require or have a good margin. Right? Have a good margin, that are not so easy to imitate those categories. You're still seeing quite a healthy ratio. So it totally depends on the category. I would recommend just making a note of that number today and just watching it over time. Because just baseline it and then you'll see whether it's going up or down.Josh 00:03:04 Yeah that's good input. And on that note, while we're talking about metrics, what do you see as a healthy tacos percentage for an established brand. And I'm sure it changes based on what category you're in. For sure, if you're supplements, you're playing a much longer term game and you're playing on subscriptions and repeat customers. But let's say for an average brand, right, that has, you know, one time customers more often than not. What do you think is kind of the ballpark tacos number to ensure that they're they're healthy and competitive across the board?Ritu 00:03:39 Yeah. So that's such a great question.Ritu 00:03:41 Really $1 million question. So okay, here's what I think of tacos. Now your tacos is going to be different at different stages of your journey. So you know when you are starting off your tacos, needs to be competitive with the market. You can't be looking at tacos as a profitability metrics. It's more of like, what's the maximum I can afford to spend in order to get this business off the ground? But then as time progresses and you start to see, you know, revenue coming in, flywheels working, everything is going fine. Then you start to tweak the, you know, the tacos target a little bit to kind of make it more profitable. so I think, it's a kind of, it's a calculation that I, look for at three points. So I look at spend. I look at revenue and I look at profits. Right. So initially, when you're just starting off, you know, even the smallest amount of spend will result in a drop in profits. You know, you're starting off.Ritu 00:04:54 You're spending money on ads. All of that is eating into your profits. But at a certain point the the spend as you increase your ad spend, it's actually going to generate revenue for you. Right. So what's the sweet spot when those two lines kind of cross over? that's the target tacos that is going to shift with, with, you know, the maturity of your of your account. So, we do say that the guideline is we don't want to spend more than 50% of net margin for your for your advertising. So I guess if you can keep that just general rule of thumb in mind, you should be fine. so no more than 50% of net margin. eventually you want...
No Film School's Jo Light records live from Aspen Shorts Fest with Julia Aks and Steve Pinder, the co-writers and co-directors of Jane Austen's Period Drama. The conversation covers how the short grew from a period-drama pun into an Oscar-nominated comedy, what it took to produce an ambitious period piece on a limited budget, and how the filmmakers navigated festivals, awards qualification, campaign strategy, and the career momentum that followed. In this episode, No Film School's GG Hawkins, Jo Light, and guests Julia Aks and Steve Pinder discuss... How Julia Aks and Steve Pinder first met through a USC student film and developed their creative partnership Turning a comedic pun into a short film with emotional depth and a clear central event Why successful short films often focus on a small moment instead of compressing a feature-sized story Budgeting the short, finding the right producer, and learning where production money shows up on screen Calling in community favors for period costumes, crew, and production support Working with Snow White the chicken and planning animal scenes safely Balancing Julia's roles as actor, co-writer, co-director, and editor Building a festival strategy after early rejections and learning the importance of premiere status Why Aspen Shorts Fest became a key Oscar-qualifying opportunity for the film How live festival screenings shaped the filmmakers' understanding of the comedy Handling polarizing reviews and why strong reactions can signal that a film took risks What happens after winning a qualifying award, from the long list to the short list to nomination The cost, strategy, and labor behind an Oscar campaign for a short film How Emma Thompson became the film's “Executive Menstrual Advisor” Why live screenings became central to their campaign strategy The career impact of receiving an Oscar nomination, even without winning Developing the feature version of Jane Austen's Period Drama and future musical comedy ideas Memorable Quotes: “When short films are very successful, I think they take a small moment or they take a small piece of humanity or a small observation about life, and then really maximize and explore that small thing.” “We never wanted to make a proof of concept that didn't stand on its own. We wanted to make a short film that was a short film.” “Everything makes sense, and also nothing makes sense.” “Be bold, be brave, make a zero or a 10. Don't make a five.” Guests: Julia Aks Steve Pinder Resources: Jane Austen's Period Drama Jane Austen's Period Drama on IMDb Aspen Shortsfest Find No Film School everywhere: On the Web: No Film School Facebook: No Film School on Facebook Twitter: No Film School on Twitter YouTube: No Film School on YouTube Instagram: No Film School on Instagram
Hawaii's Best - Guide to Travel Tips, Vacation, and Local Business in Hawaii
Is July actually a good time to visit Hawaii, or will the crowds and prices ruin your trip?If you're weighing a July trip, the weather works in your favor, but timing your booking and picking the right island makes all the difference.
Christina P is back touring! Check her out in Chicago September 18th and 19th. Get your tickets at https://christinap.com/pages/tour-dates SPONSORS: Look for Mountain Dew in stores near you at https://mountaindew.com. Go to https://quince.com/mom for free shipping and 365-day returns Sign up for your $1 per month trial and start selling today at https://shopify.com/ymh For simple, online access to personalized and affordable care for Hair Loss, Weight Loss, and more, visit https://Hims.com/YMH. Sup, chomos! This week, Caleb Hammer, host of Financial Audit joins the Mommy Dome to talk money, mayhem, and the chaos of his own show. Caleb grew up broke and clawed his way out of massive debt, all while interviewing some of the internet's most financially unhinged people on Financial Audit. The conversation covers the actual hard math behind why most Americans can't survive an $800 rent payment, the case for buying a house even when renting is cheaper, and how nearly 40 states now require a personal finance class in high school, which means "nobody told me" will officially stop working as an excuse. Caleb also breaks down the wildest things his guests have said on camera, including unprompted racism, casual tax evasion confessions, and one woman who's never filed a return in her life with zero consequences. They also run through Horrible or Hilarious clips, debate whether financial domination clients just need to "drop the N-word" more, and dive deep into Mike Fedele, the only tax man offering both IRS advice and detailed sexual positioning tips in the same breath. Caleb also opens up about a serious flying phobia that led him to charter a tiny private jet just to feel in control, and gets talked into a future helicopter ride by Tom. Enjoy! Your Mom's House Ep. 866 https://tomsegura.com/tourhttps://christinap.com/https://store.ymhstudios.comhttps://www.reddit.com/r/yourmomshousepodcast Chapters 00:00:00 - Intro 00:01:26 - Delusions, Maxed Credit Cards, & Decades of Debt 00:05:14 - Building Financial Audit From Scratch 00:17:28 - Opening Clip: Hey Retard 00:18:53 - The "Blackie" Cruise Couple & Hard R Drops 00:27:35 - YMH Staff Financial Questions & Confessions 00:34:16 - 50/30/20 Budgeting, Diverse Portfolios, & Success Stories 00:41:37 - Mike The Tax Guy 00:46:37 - Cool Sales Pitches 00:47:58 - Horrible Or Hilarious 00:50:17 - General Advice & Fear Of Flying 00:56:26 - Clip: Leaky Rump 00:57:32 - Clip: Fancy Chef Wants To Meet The Mayor 00:59:11 - Austin Property Taxes & Niagara Falls 01:03:51 - More YMH Staff Confessions 01:08:41 - Food Stamps, Roommates & The Best Head Debate 01:15:51 - Closing Song - "Brass Tax" by The Onibaka Learn more about your ad choices. Visit megaphone.fm/adchoices
Can Tom beat the average American on a personal finance quiz?Don puts Tom in the hot seat with eight questions drawn from a financial literacy quiz developed by researchers at Stanford University and TIAA. The topics range from earning, budgeting, inflation, investing, debt, insurance, and risk to evaluating investment advice. Along the way, there's plenty of good-natured ribbing, a debate over compounding, and a reminder that even financial professionals can stumble on carefully worded questions.Later, the guys answer listener questions about whether the small-cap value premium still exists despite the rise of private equity, and whether exotic portfolios like the “Golden Butterfly” really deserve their impressive back-tested reputations.Plus, Tom gives an enthusiastic endorsement of Don's Civil War novel, The Line Uncrossed.00:18 – Tom faces an eight-question financial literacy quiz03:49 – Inflation versus savings: the trickiest question05:53 – Why diversification beats owning a single stock07:11 – The power—and danger—of compound interest08:50 – Insurance coverage young adults actually need09:52 – Expected value and lottery math11:10 – Appropriate investments for different ages12:40 – Why compounding may be the most important concept in investing13:39 – Which asset classes have historically produced the highest returns?16:03 – Does the small-cap value premium still exist?23:01 – Should investors trust the Golden Butterfly portfolio?26:45 – Tom's review of The Line Uncrossed29:17 – Free meetings with Appella advisors31:11 – Blue shirts, blue eyes, and wrapping upQuestions? Comments? Click!
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3612: Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to make debt overpayments can help reduce debt faster and lower overall interest costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/simple-ways-to-improve-your-debt-management-skills/ Quotes to ponder: "Budgeting is about knowing how your finances work and controlling what you do with your money, in other words, not letting your money control you!" "Your disposable income is essentially the amount you have left on a monthly basis to pay towards your non-priority debts and, if you have any spare after doing this, to save and to spend on non-essential goods/services." "Overpaying your debts can be an excellent way to improve your debt management skills." Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices
Defense Budgeting and National Security Policy. Guest: Peter Huessy. Huessy explores the fiscal and policy challenges associated with national defense. He analyzes how legislative budget decisions affect military readiness and the development of next-generation weapons systems, arguing for a strategic and long-term approach to addressing the diverse security threats posed by emerging global and regional adversaries. 14C.A. COEY AND BRIDE, LA
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