Podcasts about budgeting

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

My financial situation this year is giving... erratic. I share every detail in today's ep and why I'm not calling 911 yet.After YEARS of steady monthly recurring revenue that paid all my basic expenses and then some, I changed my business model in late 2025, which resulted in seeing income numbers I haven't seen since year 1 of starting my business. I'm talking "how am I going to afford all this month's expenses?" kind of numbers.At first, I was chill, leaning on my savings and systems. Then, I freaked out. HOW TF DID THIS HAPPEN?! I thought I mastered budgeting and forecasting??I share the full story, what I did to turn the ship around, and share practical advice on what to do when you're in a similar sitch.Episodes mentioned: How I Paid off $8K of Debt in One MonthHow I Planned My Sabbatical (So You Can Too) - Saving, Taking 2 Months Off and Why It's Freaking Me Out☎️ Have more questions? Leave a voicemail on the hotline and I'll answer in the next ep!Connect with Chelsea:

Christine Romans stops by to highlight the best and most creative ways to find extra cash. Also, Dylan and Al take a road trip down to the Jersey Shore and visit historic Atlantic City. Plus, actor Jesse Eisenberg stops by to talk about his latest role in the new movie “Minions and Monsters”. And, ahead of July 4th, NBC News Entertainment Contributor Chris Witherspoon and VP of Global PR at Virtuoso Misty Belles list out beloved films that capture the American spirit, as well as the iconic destinations that brought them to life.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Two words that can send anyone into a panic attack: budgeting and investing. My guest in this episode is Leah Hadley, a divorce mediator and financial counselor who specializes in helping women become empowered financially during and after divorce. Leah breaks these two words down and offers tips to help you understand what you need to do to feel calm and confident when it comes to your money. Learn more here: https://www.divorcedgirlsmiling.com/budgeting-and-investing-for-divorced-women/

(4:00) Rivalries never die (7:00) Can college ever become "normal" again (12:00) Myles Bailey should give serious consideration to staying at FSU (17:00) Off topic (22:00) Will we ever hear a plan articulated (29:00) Tony White as interim? (36:00) What if FSU strikes out on x, y and z (43:00) Data (48:00) Norvell's place in the ACC and the place of money (57:00) Sit out football and spend big on the other sports? Music: Weezer - We Might As Well Be Strangers Follow CumminsLifestyle on IG   Get up to $200 off Square hardware when you sign up at square.com/go/square.com/go/warchant! #squarepod Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod https://pscrb.fm/rss/p/   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(4:00) Rivalries never die (7:00) Can college ever become "normal" again (12:00) Myles Bailey should give serious consideration to staying at FSU (17:00) Off topic (22:00) Will we ever hear a plan articulated (29:00) Tony White as interim? (36:00) What if FSU strikes out on x, y and z (43:00) Data (48:00) Norvell's place in the ACC and the place of money (57:00) Sit out football and spend big on the other sports? Music: Weezer - We Might As Well Be Strangers Follow CumminsLifestyle on IG   Get up to $200 off Square hardware when you sign up at square.com/go/square.com/go/warchant! #squarepod Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod https://pscrb.fm/rss/p/   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailWhether you have kids, don't have kids, or are still figuring it out, the life you choose deserves a real financial plan behind it.This week we are sitting down with Erika and Kristen, the best-friend duo behind the DINKY Podcast. DINK stands for Dual Income, No Kids. These two have built a thriving community around what it actually looks like to choose this life on purpose. Erika comes from a background in social media and comedy and now runs her own freelance business while co-hosting the podcast full time. Kristen spent years in tech before making the bold move to relocate to Dublin, Ireland, where she is in business school part time, building a side business, and working on an invention she is genuinely excited about. The DINKY Podcast launched about four years ago, right as Roe v. Wade was overturned, and it has grown into a bold, funny, and politically engaged conversation about reproductive rights, financial freedom, chosen family, and the real cost of the life society tells us we should want.Erika and Kristen bring live poll data from thousands of women, real talk about what financial freedom actually feels like when you are building it on your own terms, and some of the most refreshingly honest takes on money, marriage, and end-of-life planning we have ever had on this show. From the $6,000 a month Seattle daycare reality check that started it all to why 77% of women said they still would not want kids even with more money, this one is packed. We also get into retiring as you go, bodily autonomy in a post-Roe world, chosen family, and why having a written end-of-life plan is not optional regardless of whether you have children.Erika and Kristen's reminder is this: the women who came before us did not get to choose. We do, and that is worth respecting with intentional decision making. Join us for next week's Money Talks “You Don't Have to Have Kids to Build a Legacy”. Click here to register for FREE and bring your questions!  Follow & connect with Kristen Myers and Erika Abdelatif:Dinky Podcast - YouTubeAbout DinkyInstagramWant 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!...

Bookkeeping isn't just spreadsheets and accounting software. Our favorite Bookkeeping Mensch, Paul Rosenblum, reflects on how everyday money habits quietly shape our lives, from business spending decisions to the way people think about vacations, groceries, risk, and long-term planning. He explores “the human side of want and need,” showing how emotional spending, financial stress, personal history, and instinct all influence the way we handle money. This conversation reframes bookkeeping as something deeply human, revealing why some of us naturally think like planners, budgeters, and business owners without even realizing it. Send us Fan MailSupport the show

By Doug Green “Infrastructure is increasingly becoming a control point for AI enablement and productivity.” In this episode of the Technology Reseller News podcast, Doug Green speaks with Shashi Kiran, Chief Marketing Officer at Nile, about why infrastructure is moving back to the center of enterprise strategy, budgeting and AI readiness. Kiran says Nile is modernizing enterprise networks with what it describes as the world's most secure network delivered as a service. The company provides wired and wireless local area networking for mid-size and large enterprises, with security built in and operations managed across the lifecycle. The conversation focuses on a growing reality for enterprises: AI may appear to live in applications, cloud platforms and user devices, but its success depends on the infrastructure underneath. As organizations rethink AI adoption, infrastructure decisions are becoming long-term strategic decisions again. Unlike software, Kiran notes, infrastructure cannot simply be changed overnight. Network decisions often shape cost, security, agility and business performance for years. A poor infrastructure choice can become a drag on the rest of the organization's technology investment. Kiran says this is driving renewed interest in network as a service. In the modern model, he says, network as a service is not simply a managed provider operating someone else's technology. Instead, Nile builds, owns and operates the technology, giving customers a single accountable partner across the full value chain. For Nile, the focus is the enterprise edge: campuses, branches, users, devices, IoT and, increasingly, AI agents. Kiran says that part of the network has often been overlooked while much of the industry focused on data centers and cloud. Yet it is also where complexity, operational cost and security exposure are often highest. Nile's approach is built around simplifying that environment. Kiran describes a clean-slate architecture with wired and wireless connectivity, zero trust principles, identity-based authentication, security built in, and autonomous operations. Nile also backs its service with performance SLAs and financial penalties. Kiran says the results can include lower complexity, faster change management, reduced breach exposure and significant savings. He says customers typically see cost reductions of 30% to 50% at a minimum, along with faster deployment and change cycles. As enterprises plan for the next several years, Kiran says infrastructure will become even more important as organizations work to become more AI-native. The companies that move away from legacy models and adopt more agile infrastructure approaches will be better positioned to support AI, improve productivity, reduce cost and strengthen security. Learn more at nilesecure.com  

Stephen Grootes speaks to Bulelani Balabala, Business Speaker, Media Contributor and Township Entrepreneur TEA about why small businesses in South Africa should treat marketing as an essential investment, and how they can boost visibility and grow sales without big budgets. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode, Josh interviews Destaney, CEO of Better AMS, about advanced Amazon advertising strategies. Destaney shares insights on setting ad budgets based on brand goals, structuring campaigns for profitability and growth, and the importance of campaign-level organization. They discuss the challenges of managing large SKU counts and the need for software tools like Pacvue, highlighting that expertise is crucial to leverage such platforms. Destaney emphasizes using data-driven, white-hat strategies and staying proactive with Amazon ads. The episode wraps up with actionable tips and an invitation to connect with Better AMS for further learning and free brand audits.Chapters:Introduction & Guest Background (00:00:00)Josh introduces Destaney, CEO of Better AMS, and discusses her background in Amazon advertising.Destaney's Experience in Amazon Ads (00:00:49)Destaney shares her journey, starting young in Amazon ads, and her experience managing large ad spends.Budgeting for Amazon Ads (00:01:23)Discussion on how brand owners should approach setting budgets for Amazon ads based on goals and growth.Structuring Campaigns for Different Objectives (00:02:05)Destaney explains campaign-level structuring for profitability, keyword research, brand defense, and market share.Fluid Budget Allocation & Campaign Adjustments (00:03:05)How to fluidly adjust budgets between campaigns based on product launches and changing objectives.Challenges Managing Many SKUs & Need for Software (00:04:05)Josh describes the difficulty of managing 1200 SKUs and the need for software to optimize Amazon PPC.Evaluating Amazon PPC Software & Automation (00:05:14)Destaney discusses the importance of having knowledgeable staff and choosing the right software for automation.Advanced vs. Automated Software Solutions (00:07:08)Recommendations for advanced users (rules-based tools like Pacvue) vs. automated solutions for less experienced teams.Limitations of AI in Amazon Ad Tools (00:08:10)Destaney explains the current limitations of AI in Amazon ad software due to restricted data access.Pacvue & Importance of Expertise (00:09:04)Josh and Destaney discuss why Pacvue is powerful but requires deep Amazon ad knowledge to use effectively.Actionable Takeaways for Brand Owners (00:10:33)Josh summarizes three key action items: focus on brand metrics, shift mindset on ranking strategies, and invest in expertise.Closing & Where to Find Destaney (00:13:38)Destaney shares where listeners can follow her and learn more about Better AMS, including free brand audits.Links and Mentions:Tools and Software"Perpetua": "00:07:08""Pacvue": "00:08:40"Websites and Social Media"Better AMS" now BTRMedia: "00:13:52""LinkedIn": "00:13:52"Transcript:Josh 00:00:00  Today I'm super excited to introduce you all to Destaney with Sean. Destaney is the CEO of better AMS and better. AMS is a retail media agency managing over $50 million of spend across Walmart and Amazon. So with that, welcome to the show, Destaney.Destaney 00:00:16  Thank you so much for having me, Josh. Really excited to be here.Josh 00:00:19  I'm super excited to have you on the show. My team is also excited to have you on the show, because they watch your YouTube videos and all the content that you're putting out, and oftentimes in our own strategy meetings, it will be, hey, I remember Destaney said this, Destaney said that. And so to have you on the podcast, I'm super excited to have you here. And I think I want to encourage our listeners to pay attention, because Destaney knows what she's talking about as it relates to Amazon advertising.Destaney 00:00:49  I hope so. I have been in this space for like six years, and I have done nothing but Amazon ads. So, you know, a lot of people are forced to go wide, whether it's because you're brand building or how quickly the industry industry changes.Destaney 00:01:02  I was super thankful to be thrown into Amazon advertising management at like 22 years old. I think my first large brand was managing around $10 million spend a quarter, so I, I had to learn really fast and this is all I know at this point. So thank you everyone for supporting my content because you are, you know, paying for my meals at night.Josh 00:01:23  I love it. A lot of brand owners come to you probably and say, oh well, my budget is unlimited if it's profitable, right? Like if it's profitable, then spend as much as you want. And I think I've fallen into that camp at some times. So Destaney, based on your wealth of knowledge and experience working with even higher level brands, doing 300 million a year, what, like how would you recommend a brand owner comes up with a budget for their products?Destaney 00:01:53  Yep. Yeah. So a budget's obviously so dependent on goals and growth and all of those things. So I always struggle to give that. I will say I interviewed a ton of the other agency owners.Destaney 00:02:05  I think we're managing in total. I kind of like over $500 million worth of spend. And what everyone said an average tacos for a high growth brand that's trying to be competitive is around 10 to 15%. I don't love giving that as a general gauge, because I know a lot of people have certain SKUs that are going to be a lot higher because they're more competitive category, different goals. And I hate giving like one size fits all solutions. Anyone who's listened to me or follow me knows that. It's like my biggest pet peeve. but I will say something to remember is that Amazon advertising is actually really precise. you know, sometimes like Facebook ads where you're doing audience targeting and behavioral aspects are combined in Amazon. Ads are not like that. You can be so granular. So one thing we recommend is we we set up all of our strategies on the campaign level. So when a brand comes to us we're going to have campaigns for profitability. We're going to have campaigns for keyword research. We're going to have campaigns for brand defense, and we're going to have campaigns for rank or market share.Destaney 00:03:05  And when we have all of those set up, that means we can take that budget and fluidly adjust based on our needs. So if we have a $20,000 a month budget and this month we're launching a new product, we're going to shift more of that budget to be focused on rank. And that's going to take away from our profitability campaigns, which means we're probably going to have a higher ACOs, but we're launching now the moment that becomes steady. We're going to lower our budget on our rank and move to profitability. So that way we can be really fluid with those adjustments that make your Amazon advertising align with your actual top line sales goals.Josh 00:03:40  Now that makes a lot of sense. Now I think we I could dive in even further with you. We could get into some real nitty gritty stuff here. Maybe that would have to be a part two. because what I'd like to shift into is we went through this last year in terms of trying to identify a software solution that could execute a lot of these good strategies.Josh 00:04:05  So for our team, you know, we hired an internal PPC manager. We were formerly with an advertising agency for I think four years. So we'd been with them for a long time. But to your point, you know, it's hard for an agency to really get into the details of every single product and tracking their metrics. And w...

Including transition programs, supportive communities, and key questions to ask before choosing the right fit. For many autism families, one of the biggest questions is: “What happens after high school?” Parents often spend years focusing on therapies, education, communication, and daily support. But eventually, another important goal comes into view—helping their child become as independent as possible while living a fulfilling, meaningful life. The good news is that more communities, transition programs, and independent living models are emerging across the United States to support autistic teens, young adults, and adults. These programs go far beyond simply providing housing. The best ones help individuals develop life skills, employment skills, social connections, and the confidence needed to thrive. Independence Doesn't Have to Mean Doing Everything Alone One of the biggest misconceptions about independent living is that it means living completely alone without support. In reality, successful independence often includes the right amount of assistance, coaching, and community. Many autistic adults thrive when they have support with: Budgeting and money management Meal planning and cooking Transportation Employment preparation Social skills and relationships Executive functioning Healthcare management Household organization The goal isn't perfection. The goal is helping each individual reach their highest level of independence and quality of life... Click Here or Click the link below for more details! https://naturallyrecoveringautism.com/248

Siyabonga Motha is joined by Thomas Strever, Full-Time Postgraduate Diploma in Business to unpack his personal finance journey: the wins, the missteps, and the lessons he’s picked up along the way as he navigates budgeting, debt, and building better money habits while studying full time. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Financial Matters, Thomas Strever, Siyabonga Motha, Personal finance, Budgeting, Debt, Savings, Investment The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Money is one of the leading causes of stress in relationships, but it doesn't have to be. In this episode, Regina McCann Hess joins consumer reporter Josh Sidorowicz of CBS News Philadelphia's In Your Corner podcast to discuss how couples can successfully manage money together. From whether you should combine bank accounts to how to avoid "financial infidelity," this conversation is packed with practical advice for couples at any stage. You'll learn: When to start talking about finances in a relationship  How to split expenses and set shared financial goals Whether joint or separate accounts work best How to avoid common money mistakes like lifestyle creep A simple "1/3 rule" to balance saving and spending If you've ever argued about money, or want to avoid it, this episode is a must-watch.  0:00 Introduction 0:20 Why money is a top relationship stressor 2:20 Should couples combine finances? 4:30 The "kitchen table" money conversation 6:15 When to talk about finances in a relationship 7:05 What is financial infidelity? 8:10 How to handle different money goals 11:05 Budgeting (or a "plan) that actually works 15:25 The 1/3 rule for raises and bonuses 20:30 Credit cards: joint vs separate ############# ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles, and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps, and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve, and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets enables Regina to structure balanced portfolios to address specific financial goals. ############# CONNECT WITH REGINA MCCANN HESS Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com ############# CONNECT WITH JOSH SIDOROWICZ Episode on YouTube: https://www.youtube.com/watch?v=Rgr5kp-IIT8 Instagram: https://www.instagram.com/joshsid/  ############# Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. ###########

In this episode: lifestyle creep awareness, emergency funds, rebuilding after a house fire, designing a values-aligned life, career transition coaching with Karen WorthyEpisode SummaryKaren Worthy shares how a wake-up call about spending led their family into FI habits—then a devastating house fire became a “blank slate” that clarified what matters. Karen and Adam explore how savings create optionality in crises and careers, and how Karen used that runway to take a sabbatical and launch a career transition coaching business.Guest BioKaren Worthy is a career transition coach who helps people land their next role through resume, interview, and networking support. She previously worked at Amazon and has led recruiting/HR teams.Resources & Books MentionedWorthy Career PathsMr. Money Mustache (blog) Frugalwoods (blog)“Five Hour Resume” course (code: MINDFUL) Mindful FIRE Envisioning Guide Mindful FIRE Legends community  Guest Contact InformationEmail: karen@worthycareerpaths.comWebsite: https://worthycareerpaths.com/LinkedIn: Karen Worthy (not provided)Key Takeaways“Lifestyle creep” can be $3-at-a-time; downloading a year of transactions made spending patterns undeniable.A cold-turkey “no eating out” month built lasting systems (including a monthly “Stuff Weekend” budget).Emergency funds matter most when life is chaotic—hotel, shoes, and basics before insurance pays.Confidence comes from optionality: “F-you money” can make you bolder at work and pickier in transitions.Join the Mindful FIRE Legends community at MindfulFIRE.org/join.PS: Introducing the…

Key TakeawaysFinancial problems are often behavior problems, not knowledge problems.The emotional side of the brain processes information faster than the logical side, often driving financial decisions before reason can catch up.Budgeting is important, but budgeting alone rarely changes deeply rooted money behaviors.More financial education can create the illusion of progress without producing actual behavior change.Willpower and restriction often backfire, making unwanted behaviors stronger rather than weaker.Christians frequently carry unique forms of shame around money, generosity, and financial stewardship.Many financial behaviors are rooted in deeper fears such as rejection, conflict, inadequacy, insecurity, or lack of control.The same financial behavior can be driven by completely different emotional causes, making curiosity more important than assumptions.The "180 Effect" reminds coaches and church leaders not to assume they know why someone behaves the way they do.Visualization can be a powerful tool for rewiring financial habits and preparing for healthier decisions before temptation arises.Lasting financial transformation happens when we address both behavior and discipleship, not just budgets and numbers.ResourcesDonJay's Website (sign up for his newsletter) - Drumbeatofwealth.comConnect with DonJay - Instagram, LinkedInLearn about the Christian Stewardship Network - https://www.christianstewardshipnetwork.com/Become a CSN member - https://membership.christianstewardshipnetwork.com/

When markets feel calm, the biggest retirement risks can hide in plain sight. Steve Hoyl discusses why “analysis paralysis” keeps people from planning, how inflation can quietly erode income, and why fixed rules like the 4% withdrawal may fall short. Steve breaks down income strategies, emergency funds, and “bucket” planning for stability, plus key milestone ages—from 50 to 73—that shape retirement decisions. The conversation also highlights family involvement, spending awareness, and the importance of mapping out a personalized retirement plan that adapts to changing economic conditions. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!In this coaching session, Shana and Vanessa sit down with Chantelle, a longtime listener and budget bestie, who shares her experience navigating a difficult season of life. After stepping away from her job to advocate full-time for her son's medical needs, Chantelle is learning how to manage an unpredictable income while staying focused on what matters most.Together, they discuss what it means to budget during "storm mode," how to handle fluctuating side hustle income, the purpose of a paycheck-ahead fund, and why it's okay to rely on your budget differently during challenging seasons. They also cover practical strategies for Costco spending, reimbursement-based expenses, and finding peace when account balances temporarily decrease.This episode is a reminder that budgeting isn't about perfection—it's about creating a plan that supports you through every season of life.What We Talk AboutManaging finances during a medical crisis and caregiving seasonWhy a paycheck-ahead fund isn't always the first priorityCreating a realistic budget based on guaranteed incomeUsing side hustle income strategicallyHandling anxiety when savings balances decreaseBuilding financial confidence during difficult seasonsBudgeting for bulk purchases and Costco tripsManaging reimbursement-based expensesCelebrating budgeting wins, including staying on budget through ChristmasLet'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.

Key Takeaways: Think of Budgeting Like Plumbing: Money needs a clear path to flow through your financial life. A good budget helps make sure bills, savings, and investments are all working together smoothly. Use Separate Accounts for Different Purposes: Keeping money in separate accounts for fixed expenses, spending, savings, and investments makes it easier to stay organized and avoid overspending. Build Emergency and Tax Funds: Having dedicated accounts for emergencies and taxes helps you handle unexpected costs without disrupting your other financial goals. Automate Good Financial Habits: Automatic transfers to savings, investments, and other accounts make it easier to stay consistent and build wealth over time. Stay Aware of Your Finances: Even when your finances are automated, regularly reviewing your accounts helps you stay informed, catch problems early, and make better decisions.   Chapters: Timestamp Summary   0:00 Budgeting and Financial Systems as Plumbing for Your Money 1:15 Managing Finances by Separating Fixed and Discretionary Expenses 3:43 Managing Finances with Fixed, Discretionary, and Emergency Accounts 5:11 Planning for Taxes by Allocating Funds Monthly 5:49 Rethinking Emergency Funds and Financial Security Strategies 7:40 Balancing Automation and Awareness in Financial Planning Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Send us Fan MailThis week we're sitting down with Bari Tessler, a Financial Therapist and a pioneer in the Financial Therapy field. She has a Masters degree in Somatic Psychology from Naropa University, 1998. She then ran a bookkeeping business for therapists and artists. In 2001, she merged all her training and created a somatic-based Financial Therapy methodology that she has been teaching for 24 years. She is also the founder of The Art of Money, a financial therapy program and a Mentor Program for therapists, coaches and financial professionals.Bari breaks down why 90% of our money decisions are based on emotions, not logic, and what to actually do about it. She shares her signature Body Check-In tool, why couples fight about money even when everything else is great, and how to start having real money conversations with your partner without it turning into World War III at the kitchen table.Bari's reminder is that the way you were raised to think about money shapes every financial decision you make today. Join us for next week's Money Talks, we're digging into money stories, emotional patterns around spending and saving, and how to rewrite the ones that aren't working for you. Click here to register for FREE and bring your questions!  Follow & connect with Bari Tessler:WebsiteInstagram LinkedIn Facebook 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!...

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with guest Marketing Mike, alongside producer Karina "Special K", for an in-depth discussion on the power and potential of programmatic marketing specifically tailored for mortgage loan originators, real estate agents, insurance agents, and title companies. Together, they break down how professionals in these industries can leverage advanced digital advertising platforms, such as Google and Meta (Facebook & Instagram), to reach their ideal audiences and generate high-quality leads. The conversation covers practical strategies for targeting referral partners, including the use of educational webinars and value-driven content to build trust and engagement. They also dive into the mechanics of retargeting, explaining how to stay top-of-mind with prospects who have already interacted with your brand online. Throughout the episode, Dustin, Mike, and Karina highlight several key takeaways for listeners looking to implement programmatic marketing in their own businesses. They stress the critical importance of developing compelling creative assets, such as eye-catching graphics and persuasive ad copy, to capture attention in a crowded digital landscape. The trio also discusses the value of niche targeting, encouraging professionals to define their ideal client profiles and tailor their messaging accordingly for maximum impact. Budgeting is another focal point, with realistic expectations set around the investment required to see meaningful results from programmatic campaigns. Importantly, the hosts emphasize that programmatic marketing is not a quick fix or a standalone solution. Instead, it works most effectively when used to supplement and enhance an existing referral-based business model. Success requires patience, consistent effort, and a willingness to test and refine strategies over several months. By combining digital marketing with strong relationship-building practices, mortgage and real estate professionals can create a sustainable pipeline of leads and long-term growth. TLOP's Originator Coaching:

Be honest. Has money ever got in the way of a friendship? Sure. It’s nice when everyone you know has the same money values as you, but it’s far more likely that your earnings, spending habits, and beliefs are just as different as your birth charts! This week on Friday Drinks, Bec and Jess answer your pressing questions around pausing investments to pay for a wedding, fast food preferences and what happens when your friends are in their spend-now-worry-later era. While V’s away, we’re bringing you some cheeky Broke Tips plus your marvellous Money Wins of the week. Budgeting boundaries, financially outgrowing your friends, and what actually makes a fry a fry (when it’s really a chip), join us as we cover all the important topics. CURB YOUR SPENDING: Dopamine spending is real. If you’re looking for tips to help you cut back, look no further. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

Most volunteer leaders learn on the job, through trial and error, and sometimes burnout. But what if you could start with the skills that really matter?In this episode, Tobi Johnson draws on 25+ years of experience to share the essential skills she wishes she had from day one. You'll learn why self‑regulation and emotional resilience are critical for preventing burnout and leading with clarity. She also breaks down strategic planning that connects program design, metrics, and budgets, including how to advocate for volunteer‑related expenses.Tobi also tackles change management and influence, especially when you don't have formal authority. Her participatory leadership approach helps you engage stakeholders, manage resistance, and build trusted teams. Plus, she offers a free worksheet to help you develop your personal leadership philosophy.If you're ready to lead with confidence and create lasting impact, this episode is your toolkit.Skills I Wish I Had – Episode Highlights [00:00] Introduction to Volunteer Management Skills[04:08] Top Nonprofit Volunteer Management Skills[08:46] Emotional Self-Regulation in Leadership[12:54] Strategic Planning for Nonprofits[17:08] Budgeting for Volunteer Programs[24:10] Change Management and Influence[31:12] Participatory Leadership and CollaborationHelpful Links Volunteer Management Fundamentals Live! Volunteer Nation Episode #185: To Burnout & Back – My Secret Struggle with Long COVIDVolunteer Nation Episode #022: My Fave 6 Nonprofit Leadership and Management Wins Volunteer Nation Episode #205: My Top Time Management Tips for Overwhelmed Volunteer ManagersVolunteer Nation Episode #186: Strategy vs Tactics – How to Include Both in Your Volunteer Planning Independent Sector Value of Volunteer TimeVolunteer Strategy Scorecard™ Volunteer Management Fundamentals Live!Summer Cohort: June 18 – July 24, 2026Learn the Essential Frameworks for Attracting and Engaging, Enthusiastic, Committed Volunteers with Less Stress and Greater Confidence. Thanks for listening to this episode of the Volunteer Nation podcast. If you enjoyed it, please be sure to subscribe, rate, and review so we can reach more people like you who want to improve the impact of their good cause.  For more tips and notes from the show, check us out at TobiJohnson.com. For any comments or questions, email us at WeCare@VolPro.net.

Welcome to this special miniseries, brought to you by Ubank! In these bonus six episodes, we’re going to go through a different financial term each week to make you the money savvy baddie you were always meant to be. This week, we’re talking about loud budgeting – the trend encouraging you to be transparent about your savings goals and spending limits. Thanks to our sponsor Ubank for making this episode of Two Broke Chicks possible!

Episode Highlights With MikeWhat the money habit is and how this differs from traditional budgeting Why most financial systems fail to change behavior long termThe psychology behind money habits and how to change themWhat commitment devices are and how they can helpHow this works if you're at essential living and a very tight budgetThe simplest way to get started How this ties into the hierarchy of needs and how to work with this, not against itThe most common mistakes people make How to navigate the money habit systems as a couple without conflict Avoiding the parent/child dynamic around money which can cause tensionFinancial freedom vs financial independence and why this is importantResources MentionedFollow Mike on Instagram and FacebookMike's websiteMy Money Bunnies: Fun Money Management For Kids bookMike's other booksBONCHARGEI like so many of their products - from their red light products to their sauna blankets. Red light has been so helpful for me during my recovery from Hashimoto's. To find out more, go to boncharge.com/wellnessmama and use code wellnessmama for 20% off!Just Thrive:Just Thrive Health has been one of my longtime favorite brands for gut health and they have an amazing Daily Gut Detox. Your immune system, gut barrier, and digestion get the support they need to stay strong and healthy. You can find this and their probiotics at justthrivehealth.com/wellnessmama or use code wellnessmama for 20% off your order. 

What if building wealth was exactly like building a house? In this episode of The How To Show, Gino Barbaro breaks down the five stages of building a financial house and explains why most people fail to create lasting wealth. Many people jump straight into investing, crypto, real estate, or business opportunities without first building a strong financial foundation. The result? Their financial house eventually crumbles. Using a simple yet powerful framework, Gino explains how true wealth is created through a step-by-step process that prioritizes stability, education, protection, cash flow, and legacy. Whether you're just beginning your financial journey or looking to strengthen your existing strategy, this episode provides a roadmap for building wealth that lasts. What You'll Learn • The difference between being rich and being wealthy • Why financial foundations matter more than investments • How to build financial stability before taking risks • The role of cash flow, investing, and asset protection • How to create long-term and generational wealth • The 5 stages of building a financial house Timestamps 00:00 Introduction: Rich vs Wealthy 01:30 Why Most People Build Wealth Wrong 04:20 Stage 1: Financial Foundation 10:05 Stage 2: Building Your Financial Framework 16:15 Stage 3: Protecting Your Wealth 19:20 Stage 4: Creating Cash Flow & Assets 26:50 The Maserati Mike Story 30:15 Stage 5: Legacy & Estate Planning 35:00 Financial House Assessment Exercise 39:15 Identify Your Weakest Wealth Stage 41:30 Wealth Building Action Steps 44:15 How to Build Generational Wealth 46:00 Final Takeaways & Closing Thoughts What to lear more about multifamily? Go to: https://wheelbarrowprofits.com/ We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens when a young couple has to shift from talking about dream dates, honeymoons and wedding bells, to discussing bills and bank accounts? In this transparent and real-life talk, Gaby Alessi Calatayud and her husband Christian share their experience of learning to manage their finances together—without losing their unity or peace of mind. They share why they are doing their best to learn wise strategies from the beginning - from balancing individual spending habits and setting up budgets to tackling debt and resisting the pressure to “look rich” on social media.You'll hear honest reflections on learning to merge money personalities, create open communication about spending, and keep generosity and teamwork at the core - no matter how long (or shortly) you've been married. With actionable advice and plenty of relatable moments, discover how putting trust, grace, and shared goals above the numbers on your bank account can transform how you handle money—and your marriage.If you enjoyed this episode, here's another great TFB episode on managing money and family! Money Matters S4 E10Support the showJOIN THE FAMILY BUSINESS WITH OUR NEWSLETTERSign Up for Our Family Business Newsletter and get more inside news from the Alessis + tips and strategies for a happier family! Get free access to the newsletterTEXT THE FAMILY BUSINESS DIRECTLYYou can connect with us via text to ask family questions and get updates on The Family Business! Text FAMILY to 302-524-0800CONNECT WITH THE FAMILY BUSINESSFollow Us on Instagram and FacebookSubscribe on YouTubeLeave a reviewMORE PODCASTS YOU'LL ENJOYListen to the Alessi sisters' daily devotional podcast My Morning DevotionalFollow Our New Podcast with Mary Alessi and her twin sister Martha MunizziWatch The Mary and Martha Show

Budgeting – less about rigid restrictions, more about changing mindsets on using income effectively. Today's guest shares a different approach to financial planning: one that focuses less on restricting spending and more on creating intentional systems that help clients save automatically and use their income more effectively. David Mozeika is the founder of TOMORO, an RIA based in Red Bank, New Jersey, that oversees $350 million in assets under management for 600 client households. In this episode, David explains how his "income under management" philosophy helps clients treat cash flow as an asset, using a "cash flow reservoir" system to separate spending from saving and reduce unconscious spending habits. We also talk about his four-part financial positioning framework, how he approaches ongoing client meetings as a calibration process rather than a static plan review, and how leaning into his unique strengths ultimately shaped the growth of his firm.  For show notes and more visit: https://www.kitces.com/493     

It’s mid-year money reset-time! The end of financial year brings all of that new money energy, without the post fireworks slump. Not only is it a time where people are already looking at their finances (or looking out for a tax return), it’s a brand new chapter for folks who want to rewrite their money story. Frankly, with all of the cost of living pressures adding up, it feels right to pause and hit reset. Join Bec and Jess for a Deep Dive into EOFY energy; our highlights and lowlights from the year that’s been, as well as resolutions for FY27. Budgeting, saving, shrinking that debt or finally investing, we’ll share some new financial year goals from our community, as well as tips to help you get organised before the spenny end of the year. January 1 has nothing on July 1. OUR 30-DAY MONEY RESET: Did you sign up for our FREE mid-year challenge? It’s designed to help you get closer to your money goals by the time the countdown actually strikes. Join here. SUPERCHARGE YOUR SAVINGS: Stop procrastinating, start automating. Download our Shuffle Saver Challenge here. DISAPPEARING DEBT: Pay it down with our episodes devoted to diminishing debt. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Budgeting for weddings and events is one of the most overlooked parts of personal finance. In this episode of The Financial Mirror, we break down how to use sinking funds, realistic estimates, and weekly savings automation to prepare for weddings, holidays, birthdays, graduations, family events, and other social expenses.Most people do not overspend on events because they are careless. They overspend because the cost was predictable, but the money was never separated ahead of time.In this episode, you will learn how to predict upcoming events, estimate the real cost of attending, create a wedding and events sinking fund, automate weekly savings, and avoid last-minute credit card use. We will also walk through a realistic monthly budget example so you can see exactly how event planning fits into real-life money management.If weddings, birthdays, holidays, graduations, showers, or family gatherings keep throwing off your budget, this episode will help you create structure before the pressure hits.The goal is not to skip every event. The goal is to make better financial decisions with clarity, structure, and less stress.Subscribe to The Financial Mirror for calm, practical financial education focused on budgeting, debt, savings, financial clarity, and long-term money habits.**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/#TheFinancialMirror #Budgeting #SinkingFunds #PersonalFinance #FinancialEducation #MoneyManagement #BudgetTips #WeddingBudget #EventPlanning #FinancialLiteracy #DebtFreeJourney #SavingsGoals #MonthlyBudget #MoneyHabits #FinancialClarity

Is your current marketing strategy going silent? Michelle gives the lowdown on what to do when your marketing spend hits a wall, why "going dark" is basically a brand crime, and exactly how to trim expenses without ditching your strategy. Get the know-how for protecting your brand equity, making your clients stickier than ever, and learning why a little creativity in a crisis might just be your business's superpower. If you're ready to turn those scary budget convos into smart solutions (and stop panicking about your next lead), this is your time to show up, stay seen, and thrive when times get tough. ------------------------ In today's episode, we cover the following: Building leads through referrals Client retention strategies Budgeting for social media management Repositioning your value Adjusting price and brand strategy Helping corporate escapees freelance Reputation management and economic shifts Protecting your business when multiple clients leave Creative strategy and budgeting tips ---------------------- RESOURCES: Episode 156: Creating a Brag-Worthy Brand Strategy ----------------------- WORK WITH MKW CREATIVE CO.   Connect on social with Michelle at: Kiss My Aesthetic Heartbeat Group Kiss My Aesthetic Facebook Group Instagram Tik Tok -----------------------   -- COFFEE -- Did you know that the fuel of the POD and the KMA Team runs on coffee? ;) If you love the content shared in the KMA podcast, you're welcome to invite us to a cup of coffee any time - Buy Me a Coffee! -- STICKER GIANT -- This episode is sponsored by Sticker Giant. Elevate your branding with labels and stickers that will attract attention in all of the right ways. Bring your designs to life by visiting StickerGiant.com and using promo code MKW25 for 25% off when you spend $150 or more! Code is valid for one-time use only. Expires December 31st 2026. -- ZENCASTR -- This episode is brought to you by Zencastr. Create high-quality video and audio content. Get your first two weeks free at https://zencastr.com/?via=kma -- AUDIBLE -- This episode of the Kiss My Aesthetic Podcast is brought to you by Audible. Get your first month free at www.audible.com/kma.   This episode was edited by Berta Wired Theme music by: Eliza Rosevera and Nathan Menard

Clint and Nate are back for another honest conversation about what retirement actually looks like — and what most people don't see coming.Retirement planning isn't just about the numbers. In this episode of Gimme Some Truth, Clint and Nate dig into the real social and financial challenges that catch people off guard once they stop working. They start with something almost nobody plans for: what happens when spouses have completely different visions of retirement. One partner wants to travel, the other wants to keep working part-time — and neither has said it out loud.From there, they tackle the "I'll just consult" plan that so many pre-retirees lean on. It sounds easy in theory, but the reality is more complicated than most people expect — especially once you factor in the tax implications, Medicare timing, and Social Security coordination.The conversation also covers one of the most emotionally loaded topics in retirement planning: gifting money to your kids. Clint and Nate explain how well-meaning gifts can create unintended expectations, and why transferring your house to your children before you pass away can trigger serious tax consequences (including losing the stepped-up cost basis).They also break down a growing line item in retirement budgets: wellness spending. Personal trainers, red light therapy, supplements, gym memberships — these costs add up faster than most people anticipate, and they're rarely part of the original plan.Whether you're five years out from retirement or already there, this episode will help you think more clearly about the financial and personal decisions ahead — and why open communication with your spouse, your kids, and your advisor is the most valuable tool you have.Topics covered:- Why couples often enter retirement with completely different mindsets- The "I'll just consult" plan and why it's harder than it sounds- Financial impact of part-time consulting on taxes, Medicare, and Social Security- How gifting money to your kids can create unintended expectations- Why transferring your house to your children is usually a tax mistake- The emotional hurdle of taking your first portfolio withdrawal- Die With Zero philosophy and how to build a gifting plan the right way- Budgeting for wellness in retirement — personal trainers, therapy, and more- Why open communication is the #1 tool in your retirement toolkitChapters:0:00 – Introduction & Best Movie Sequels2:10 – What Retirement Really Feels Like3:25 – Couples & Mismatched Retirement Mindsets5:55 – The "Maybe I'll Consult" Boomerang8:19 – Gifting Money to Kids: The Slippery Slope8:45 – Financial Impact of Consulting (Taxes, Medicare, Social Security)9:33 – The First Withdrawal Is the Hardest11:56 – Die With Zero & Gifting Plans Done Right14:05 – Healthcare & Wellness Costs in Retirement14:06 – Transferring Your House to Your Kids (Don't Do It)15:28 – Red Light Therapy, Trainers & the Real Wellness Budget15:55 – Final Thoughts & Communication as the Core Theme16:34 – DisclaimerSubscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

Send us Fan MailTravel isn't spending. It's investing.This week, we're sitting down with Brenna Girardi, the Co Founder of Olivette Travel Design, a boutique luxury travel advisory specializing in bespoke journeys around the world. She designs tailored, high touch travel experiences for couples, families, and private groups, partnering with the world's most respected hotels and trusted global experts to unlock exclusive access and seamless service. Brenna breaks down why now, more than ever, getting out of your bubble and experiencing other cultures is not a luxury. It's a necessity. She shares the real financial and emotional cost of DIY travel gone wrong (yes, we're talking Airbnb horror stories), why ChatGPT should never be your only travel planning tool, and what "memory dividends" actually mean for your life and your kids' lives.08:00 Traveling Smart in Uncertain Times10:00 Why You Need a Travel Advisor Right Now13:00 The ChatGPT Itinerary Problem15:00 Travel Is Intentional Investing16:00 Memory Dividends: The Book Die With Zero20:00 Common Money Mistakes Travelers Make22:00 Airbnb vs. Vetted HotelsBrenna's reminder is a good one: your health, your time, and the people you love aren't guaranteed forever. The best memory dividends start now. Traveling more in 2026? Join us for next week's Money Talks “Traveling more in 2026? Here's What You Need to Know About Your Taxes”. 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 Brenna:Website InstagramLinkedIn 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!...

AGENDA: 00:00:00 — Private Markets Are "F***ing Done" & The Shift to Heavy CapEx 00:00:46 — Anthropic Files to Go Public  00:04:59 — Will the Anthropic IPO Break the Startup Ecosystem? 00:06:22 — The "Billion-Dollar Position" Era: VCs Reset Their Expectations 00:18:11 — The Trillion-Dollar Cash Grab: Google, SpaceX, and OpenAI Rush the Queue 00:23:15 — Is the SaaS Apocalypse Over? Bouncing Off the Bottom 00:25:34 — The Death of Human Per-Seat Licenses as Multiples Shift 00:27:18 — Winners vs. Losers: How Agentic Focused Products Captured the Market 00:30:26 — Cognition Raises $1 Billion at a $26 Billion Valuation 00:33:04 — Token Budgeting Panic Hits Corporate America 00:35:46 — Multi-Model Workflows and the Future of Cost Containment 00:41:20 — Choosing Tokens Over Humans: The 2027 Engineering Reality Check 00:46:42 — Can Large Companies Survive Slashing One-Third of Their Engineering Talent? 00:57:40 — Big Law Flex: Kirkland & Ellis Pledges $500 Million to Build In-House AI 01:01:21 — Giving Away the Crown Jewels: Will Firms Trust Claude? 01:08:44 — Robinhood's AI Move: Automating Financial Planning vs. Beating the Market 01:16:15 — Apollo Warns PE Software Returns Are About to Be Disastrous 01:19:15 — $10 Billion Carry Pools: Will VC Winners Quit the Game? 01:24:10 — The 9-9-6 Work Ethic: Performative Theatre or Startup Reality? 01:30:10 — The Great Valley Contradiction: Working 24/7 to Automate White-Collar Work  

"It's a one stop shop for all your needs." Connect With Our SponsorsSolventum - https://go.solventum.com/clarityGreyFinch - https://greyfinch.com/jillallen/A-Dec - https://www.a-dec.com/orthodonticsSmileSuite - https://getsmilesuite.com/ Summary In this episode of Hey Docs!, Jill Allen and Nathan Hudson discuss the intricacies of starting and managing a practice, focusing on the importance of understanding both clinical and business aspects. They explore the 'Five B's' framework, which includes banker, broker, bean counter, broadcaster, and builder, emphasizing the need for a well-rounded approach to practice management. The discussion also highlights the distinction between tools and toys in equipment purchasing, the significance of budgeting for marketing and branding, and identifying efficiency gaps in practice operations. Nate also touches on various challenges practices face, particularly startups, in navigating equipment choices and emphasizes the need for informed decision-making. Connect With Our Guest Renew Digital - https://www.renewdigital.com/ Takeaways Nate Hudson has a background in engineering and dental sales.The Five B's framework is essential for practice owners.Understanding the difference between tools and “toys” is crucial.Budgeting effectively can lead to greater success in startups.Efficiency gaps often arise from lack of communication within teams.Training is vital when purchasing new technology.Doctors should focus on their long-term goals when making purchases.Not all equipment needs to be brand new to be effective.Team cohesion is necessary for a successful practice. Efficiency in imaging can significantly impact patient flow.The merger of Renew Digital and Voxel Dental creates a comprehensive service offering.Startups should consider future needs when designing their practices.Choosing the right equipment can save significant costs in the long run.Having multiple specialists can ease the burden of equipment selection.Chapters 00:00 Introduction02:54 Nathan Hudson's Background05:32 The “Five B's” Framework11:46 Tools Versus Toys15:05 Budgeting and Hidden Costs20:20 Spotting Efficiency Gaps26:40 Voxel Partnership and Labs32:58 One Rep or Many Vendors38:24 How to Contact Renew Digital Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett LuceroAre you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.    If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!   

As the cost of living and rent increases, the concept of buying a home feels like a pipe dream to many people living in their 20's and 30's. Financial journalist and author Beth Kobliner's latest edition of her book Get a Financial Life: Personal Finance in Your Twenties and Thirties provides tips for Millennials and Gen Z on how to choose the right bank, avoid excessive fees, and rein in spending based on the latest research. Stock image by mladenbalinovac/E+ via Getty Creative Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ready to earn a CEU? Start here! Are you truly making money in your pet care business, or just staying busy? In this episode, we sit down with CPA Chante Dawston to unpack what "knowing your numbers" actually means. We explore why record keeping is more than a tax requirement and how it directly impacts your decision-making. We also discuss cash flow, profit, and the hidden dangers of growing without understanding your costs. This conversation will help you move from guessing to confidently leading your business with clarity. Main topics: Importance of financial record keeping Profit vs cash flow clarity Budgeting and expense planning strategies Pricing adjustments and inflation impact Building consistent financial habits Main takeaway: "I think the biggest thing that can be a superpower for you in your business, on the financial side, is consistency." Consistency doesn't sound flashy. It doesn't feel like a breakthrough strategy. But when it comes to your finances, it might be the most powerful habit you can build. You don't need hours of analysis or a finance degree to start understanding your business. You just need to show up regularly. Even 15 minutes a week can completely change how you see your numbers. That small rhythm builds awareness. Awareness builds confidence. And confidence leads to better decisions. If you've been avoiding your numbers, don't overhaul everything overnight. Just start showing up consistently—and let that habit do the heavy lifting. About our guest: Chante Dawston is a CPA and the owner of C Squared Accounting, a firm specializing in financial services for small businesses in the pet care industry. With over a decade of experience, including time as an auditor at Deloitte, she brings a strong analytical and practical approach to business finances. Chante helps pet care professionals better understand their numbers, improve profitability, and build sustainable financial systems. She is passionate about making accounting accessible and actionable for everyday business owners. Links: Ready to earn a CEU? Start here! Website: https://petcare.c-squaredaccounting.com/ Instagram: https://www.instagram.com/csquaredaccounting/ LinkedIn: https://www.linkedin.com/in/chantedawston/ Check out our Starter Packs See all of our discounts!

Budgeting & Financial Mindset amid Rising Costs - The Return of the Budget BestiesIn this episode, Ella Catherine welcomes back the Budget Besties, Vanessa and Shana, to discuss practical strategies for managing finances during economic uncertainties. They focus on changing the narrative around budgeting, tackling credit card debt, and teaching both adults and children to be financially responsible.Main Topics:How to approach budgeting when costs for gas and groceries are increasingThe importance of setting realistic budgets and automating savingsDemystifying credit scores and minimizing credit card reliancePractical tools: Using your bank's features to organize moneyTeaching children financial responsibility through allowances and accountsThe psychological impact of organized money management on spending habitsResources & Links Join the Budget Besties Debt WorkshopFinancial Coaching for Women Podcast — Over 500 episodes of free financial advice

Aubrey Masango chats to Dr Frank Magwegwe of GIBS and Tshegofatso Seabi about young South Africans and money: first salaries, debt, supporting family, side hustles, and what it all reveals about their relationship with money. The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Budgeting has a branding problem. For a lot of people, it feels restrictive, shame-filled, tedious, and honestly kind of like financial punishment. But what if the problem is not you? What if the problem is that what you've been calling budgeting is really just tracking where your money already went? In this episode, Shari Rash, founder of GWA Wealth, talks with Shana and Vanessa of Budget Besties and the Financial Coaching for Women Podcast about why traditional budgeting fails so many people and what actually makes a money system stick. They explain why tracking every transaction is not the same thing as budgeting, why checking your bank account and hoping for the best is not a plan, and why separating your money into spending and savings buckets can create more freedom, not less. You'll hear how their digital envelope system works, why annual and irregular expenses are usually the things that blow up your budget, and how automation can help you stop relying on willpower. They also get into the credit card points debate, why using a credit card can make it harder to stick to a budget, and why nobody built real wealth from points alone. Cute perk? Maybe. Financial plan? Absolutely not. Check out Shana and Vanessa's Free Money Stress Quiz You'll hear: Why budgeting feels so shame-filled for so many people The difference between tracking and true budgeting Why your budget needs to include annual and irregular expenses How digital spending buckets can replace old-school cash envelopes Why separating bills from spending can create more clarity How to automate bills, savings, spending, and investing Why credit card points may not be worth it if they keep you disconnected from your numbers The simple first step Shana and Vanessa recommend if your budget has never worked before If you've tried budgeting and felt like you failed, this conversation will help you see that maybe the system failed you. Budgeting should not be about obsessing over every transaction. It should be about giving your money a job before it disappears. If you want help building a financial plan that connects your cash flow, investing, savings, and bigger life goals, learn more about working with Shari Rash and GWA Wealth at gwawealth.com. Follow Everyone's Talkin' Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Planning a vacation should be exciting—not overwhelming. But between choosing a destination, booking flights, creating an itinerary, and figuring out logistics, it's easy to feel stressed before your trip even begins. At The Travel Brats, we've planned everything from last-minute city getaways to international adventures booked nearly a year in advance. Over time, we've learned that the best trips happen when you focus on smart planning without overplanning every minute. Here's our step-by-step guide to planning a vacation the right way.   1. Start With Your "Why" Before choosing a destination, ask yourself: Do I want relaxation or adventure? Am I traveling for food, culture, nature, or nightlife? Am I recharging or packing my schedule? Your answer determines everything from budget to destination to daily activities. Helpful questions to research: Is this destination better for couples, friends, or families? Is it good for digital nomads? Can I visit without renting a car? Does it offer more adventure or relaxation? The clearer your travel goals, the easier every other decision becomes.   2. Set Your Dates and Budget You don't need an exact budget, but you need a realistic one. Consider: Number of travel days Flight costs Hotel or Airbnb costs Food and drinks Transportation Activities and excursions Most importantly, leave room for unexpected expenses. A good vacation budget includes a buffer because travel rarely goes exactly as planned. Also factor in important deadlines such as: PTO approval School breaks Weddings Special events   3. Choose Your Destination Strategically Timing can completely change your experience. Ask yourself: What's in season during my travel dates? Will weather affect the trip? Is it peak tourist season? How long is the travel time? Is the destination easy to navigate? If you only have a few vacation days, shorter flights often win. We've seen travelers hate destinations during crowded peak seasons and fall in love with the same places during shoulder season. Research matters.   4. Book the Big Stuff First Follow this order: ✈️ Flights

Send us Fan MailDivorce is emotional. But for many women, the financial side can be the biggest shock of all.This week on Women & Money: The Shit We Don't Talk About, Barbara and Maggie sit down with Alex and Amanda, divorce mediators and co-hosts of the Dirty Laundry podcast, to share the real financial realities women face during separation and divorce.  Alex and Amanda share what they see every day behind closed doors, from hidden debt and emotional fights over “the Peloton,” to the financial wake-up calls that happen when one partner has been managing all the money. They also explain why mediation can help couples avoid high-conflict court battles, protect their finances, and create healthier co-parenting relationships moving forward.  00:49 Meet Alex & Amanda from Dirty Laundry05:05 Why unpaid labor matters in divorce06:10 Trial separations explained09:45 Can trial separations save marriages?16:40 Why mediation works differently than court20:00 Learning healthy conflict resolutionAlex and Amanda also remind women that even if they feel overwhelmed right now, they are capable of rebuilding financial confidence and creating a future that feels safe, secure, and fully their own. Whether you're navigating divorce, supporting someone through it, or simply trying to understand your finances more deeply, join us for next week's Money Talks “Protect Your Assets During a Divorce”. Click here to register for FREE and bring your questions!  This episode is supported by Marguerita Cheng, CFP®, RICP®, CDFA®, CEO of Blue Ocean Global Wealth. Marguerita works with women navigating divorce to bring clarity, confidence, and control back into their financial lives. At Blue Ocean Global Wealth, the focus is on helping women understand their options, make informed decisions, and feel empowered about their financial future, especially during moments that feel uncertain or overwhelming. If you're going through divorce and want support that's clear, grounded, and centered on your long term wellbeing, you can learn more and connect with Marguerita at www.blueoceanglobalwealth.com and follow her on LinkedIn, Instagram, Facebook, and Youtube.Disclosure:Securities offered by Registered Representatives and Advisory products and services offered by Investment Advisory Representatives through Private Client Services, member FINRA/SIPC, and a Registered Investment Advisor. Private Client Services and Blue Ocean Global Wealth are unaffiliated entities.Follow & connect with Alex & Amanda:Youtube Website Instagram: @dirty.laundry.podcast 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!...

This episode of Talking Real Money examines why financial advice so often turns into emotional debate instead of productive problem-solving. Don and Tom discuss how investors routinely underestimate spending, cling emotionally to employer stock, and defend strategies like dividend chasing, covered calls, crypto, or gold despite decades of evidence favoring diversified investing. They answer a listener question about aggressively paying down a 6.625% adjustable-rate mortgage versus maintaining liquidity, warn about commissioned advisors circling employees receiving RSU payouts, and correct a previous mistake regarding Roth employer matches under Secure 2.0 legislation. Along the way, the hosts mix humor, blunt honesty, and personal stories about why changing financial behavior is far harder than simply explaining the math.0:05 Are listeners looking for advice, validation, or just an argument?0:58 “Two old white guys waiting to die on a podcast” and why changing investor behavior is so difficult1:24 Basis points complaints and arguing over financial terminology2:21 Why financial planning conversations often become debates3:16 Most people underestimate how much they actually spend4:04 Net income minus savings equals spending, whether you admit it or not4:59 Growing up arguing in big families and learning debate skills early5:53 Emotional attachment to employer stock and concentration risk6:19 Microsoft, Enron, Washington Mutual, and the danger of loyalty investing7:02 Why many individual stocks underperform for long stretches7:42 Covered calls, dividend strategies, and belief in “secret” investing systems8:16 Why Don and Tom remain skeptical of crypto, gold, and speculative investing9:16 Their investing philosophy comes from peer-reviewed academic research, not hunches10:17 If you call for portfolio help, don't expect automatic validation11:23 Listener Jim asks whether to aggressively pay down his adjustable-rate mortgage12:17 Extra principal payments versus saving cash to pay off the mortgage later13:12 Why a 6.625% mortgage changes the payoff math14:35 Liquidity concerns versus the emotional appeal of being debt-free15:06 Mortgage recasting explained and reducing future interest costs17:39 Regret over not refinancing during ultra-low-rate years18:10 Why peace of mind sometimes outweighs financial optimization18:50 “Paper argues badly” and the transition into listener emails18:59 RSU sharks circling a listener with a large restricted stock payout19:48 Wealth managers aggressively targeting employees cashing out company stock20:47 Warning signs of commissioned annuity sales disguised as “help”21:48 Why concentrated company stock remains risky even after huge gains22:24 Recalling the advisor who openly admitted to a 10% annuity commission22:41 Retirement quiz follow-up and correcting a Roth 401(k) mistake23:01 Secure 2.0 technically allows Roth employer matches in 401(k)s24:09 Why most employers still don't offer Roth matching contributions24:36 Tax uncertainty and the value of maintaining both Roth and pre-tax accounts25:33 Tom admits he occasionally tells players when he missed a call as a referee26:05 Encouraging listeners to argue, ask questions, and engage with the show27:02 Offering free portfolio consultations without annuity sales pressure27:39 Joking about becoming annuity salesmen after all these yearsQuestions? Comments? Click!

In today's episode, we discuss the following:1. ChatGPT for Finances2. A free version3. Whether this is the end of budgeting appsResources From VideoChatGPT Prompt: Create a beautiful dashboard that shows me my spending by category, a pie chart that I can click on to show which transactions make up that category, and identify any suspicious transactions and also any recurring expenses. Really make the dashboard really pretty.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Lawmakers recently instructed the Federal Emergency Management Agency to develop a more transparent system for reimbursing states post-disaster. Local governments apply for Public Assistance grants to fund emergency responses, but may wait years for updates and payments.

In this episode of Mirror Talk: Soulful Conversations, Doug Peterson joins us for a practical and honest conversation about money, personal finance, financial intimacy, debt, cash flow, and peace of mind.Doug is an entrepreneur of 37 years and an executive coach of 17 years. Through his work with business owners and professionals, he noticed a repeated pattern: many successful people were building businesses and careers while remaining unaware of their true personal spending. That discovery led him to develop a process to help people get their priorities straight and master their personal cash flow.  Together, we explore why money skills are no longer optional. They are survival skills. Doug shares how to understand what you earn, spend and owe, how to prepare for infrequent expenses, how to manage debt wisely, and how couples can build financial intimacy without shame, tension or secrecy.This episode is for anyone who wants to stop avoiding money conversations and start creating financial peace with clarity, honesty and intention.In This Episode, We DiscussWhy personal finance is connected to impact, peace and legacyHow to understand your real spending, including irregular expensesThe difference between budgeting and creating a spending planWhy tools like YNAB can help with real-time cash flow managementHow to prepare for holidays, repairs, maintenance and unexpected costsPractical ways to manage credit cards and high-interest debtHow to build an emergency fund that brings peace of mindWhy financial intimacy matters in relationshipsHow couples can reduce money tension and get on the same pageHow to align money decisions with your values and future goalsTimestamps00:00 Introduction to the episode and guest background01:00 Doug's motivation for coaching others on finances02:10 Why mastering personal finances matters for impact and legacy02:57 Recognising patterns of out-of-control spending03:56 Accounting for infrequent expenses04:54 Using tools like YNAB for cash flow management05:54 Setting money aside for irregular expenses06:54 Budgeting vs spending plans07:38 The electronic envelope system09:07 Responsible credit card use10:33 Behaviour change and financial awareness11:12 How often to review your financial plan12:38 Recommended apps and tools14:19 Intentional spending and cutting waste15:12 How money disappears without awareness16:05 Building an emergency fund17:08 Managing debt and restructuring for savings20:30 Creating a lifestyle within your means23:16 Financial transparency in relationships26:20 Why money skills are survival skills29:00 Managing multiple expenses and life events33:24 The value of regular financial meetings37:03 Improving credit scores and using credit responsibly42:15 The link between happiness and financial peace45:02 Aligning money and values47:14 How to connect with Doug PetersonResourcesWebsite: https://getprioritiesstraight.com/Schedule with Doug: http://schedulewithdoug.com/Facebook: https://www.facebook.com/GetPrioritiesStraightLinkedIn: https://www.linkedin.com/company/getprioritiesstraight/Instagram: https://www.instagram.com/getprioritiesstraight/Tool mentioned: You Need A Budget (YNAB)Listen NowListen to this episode of Mirror Talk: Soulful Conversations and learn how to bring clarity, peace and intention into your relationship with money.Watch on YouTube: https://youtu.be/UBQI0nXqF-Y Ask what is on your heart. Mirror Talk will reflect back what may help you see more clearly. Try it here: https://mirrortalkpodcast.com/ask-mirror-talk/Stay connected: https://lnkfi.re/mirrortalkCould you support us by becoming a Patreon? Please consider subscribing to one or more of our offerings at http://patreon.com/MirrorTalk All proceeds will help enhance the quality of our work and outreach, enabling us to serve you better.

In This Episode of Business Lunch: We explore effective marketing and sales strategies for high-ticket services, emphasizing the importance of working backwards from your end goals, focusing on the right customer journey, and structuring sales teams for success.Chapters:00:00 Introduction and May Madness03:04 Client Consultation Insights06:03 Lead Generation and Self-Liquidating Offers08:57 The Importance of Sales Teams11:53 Nurturing Leads Effectively15:05 Budgeting for Sales and Marketing18:02 Working Backwards from Goals20:57 Adapting Strategies for Different ProductsConnect with me on social:TikTok: Check out my TikTok HereInstagram: Check out my Instagram HereFacebook: Check out my Facebook HereLinkedIn: Check out my LinkedIn HereSubscribe to my YouTube