Podcasts about budgeting

Episode 329 hosts Dr Ferial Fanian (Dermatologist from Paris, France) In our 'Masterclass Series' we host global experts to teach us about fillers, bio-stimulators, bio-remodellers, polynucleotides, exosomes and other products. (For toxin insights, check out our other mini-series, 'The Tox Talks') In Chapter 11 we go on a deep dive into the science of 'biostimulation' . With collagen stimulation now a seemingly generic term used for many new products launched, we aim to differentiate how these products can be classified and how they actually biostimulate. We also cover some basics of daily skincare, skin analysis, skin hydration and the history of NCTF (New Cellular Treatment Factor 135 HA). 00:00 Introduction 00:40 Special Guest: Dr Ferial Fanian 01:06 Event Experience and Masterclass Topic 01:52 Dr Ferial's Background and Expertise 02:55 Role with Filmed and Clinical Practice 05:56 Understanding Biostimulation 08:44 Categories of Biostimulation Products 18:10 Skin Health and Analysis 25:03 Patient Consultations and Objective Measurements 25:29 The Importance of Quantification in Dermatology 25:49 Investing in Medical Devices 25:58 Budgeting for Equipment 26:19 Community and Support for Injectors 27:12 Priming vs. Biostimulation 28:10 Daily Skincare Routine 28:37 The Role of Hydration and Defense in Skincare 29:48 Adapting Skincare to Seasons and Hormonal Changes 30:42 The Importance of Changing Skincare Products 33:19 Cosmeceuticals and Priming 33:45 Injectables and Hydration 34:55 Understanding NCTF and Cellular Scaffolds 41:05 The Role of Hyaluronic Acid in Skincare 48:23 Future of Injectable Products 50:07 Conclusion and Final Thoughts SUBSCRIBE TO OUR ONLINE PLATFORM FOR WEEKLY EDUCATION & NETWORKING CLICK HERE TO BROWSE OUR IA OFFERS FOR DISCOUNTS & SPECIALS CLICK HERE IF YOU'RE A BRAND OR COMPANY & WANT TO WORK WITH US CLICK HERE TO APPLY TO BE A GUEST ON OUR PODCAST CONTACT US

SummaryIn this conversation, Nathan Crankfield discusses the importance of budgeting during the holiday season, offering practical tips to manage expenses and avoid financial stress. He emphasizes the need for intentionality in spending, the impact of social pressure, and the significance of staying aligned with one's financial goals. The discussion also touches on the balance between generosity and financial responsibility, encouraging listeners to focus on meaningful connections rather than consumerism.Chapters00:00 Introduction & Updates04:00 Why Holiday Spending Gets Out of Control08:00 How to Build a Simple, Stress-Free Christmas Budget12:00 Avoid the Post-Holiday Debt Trap16:00 Give With Purpose18:05 Final ThoughtsIf you enjoyed this content, please follow this podcast and find us on your socials! LinkedIn: @seeking-excellenceTikTok: @nathancrankfieldYoutube: @seekingexcellence_Instagram: @seekingexcellence_Apple Podcasts: https://podcasts.apple.com/us/podcast/seeking-excellence-with-nathan-crankfield/id1528863617Spotify: https://open.spotify.com/show/3E5Y4v5btc2OGYuoWVbRGM?si=832c88f869484f09&nd=1&dlsi=01e09bb1226e4bacFind exclusive content on Locals as a paid or unpaid supporter:https://seekingexcellence.locals.com/.

Send us a textBudgeting doesn't have to feel restrictive, shame-filled, or overwhelming.In this episode of The Strong Her Way, host Alisha Carlson is joined by Shana and Vanessa from Budget Besties to redefine what modern budgeting really looks likeand why it's the key to long-term financial calm.Together, they unpack why budgeting often feels as daunting as dieting and how financial guilt mirrors our relationship with food. If you've ever felt like you're “bad with money,” this conversation will shift your money mindset and help you see that the real issue is often disorganization, not discipline.You'll learn how to build a sustainable budgeting system that allows for joy, flexibility, and intentional spending—without sacrificing your future goals. From automating your budget to planning for annual expenses, this episode offers practical strategies for long-term financial planning while also addressing the emotional side of money management.Most importantly, this conversation reframes budgeting as a tool for empowerment, food freedom–style abundance, and self-trust, not restriction. If you're ready to heal your relationship with money, invest in yourself without guilt, and create financial systems that actually work in real life, this episode is for you. Key topics include:Breaking free from financial shame and guiltSustainable budgeting vs. traditional budgetingHealing your relationship with moneyIntentional spending and financial awarenessInvesting in yourself as a powerful financial choiceCreating financial calm through clarity and systems Key TakeawaysBudgeting can feel as daunting as dieting—but it doesn't have to.Most “spending problems” are really organization problems.You can enjoy life and be financially responsible.Automating your budget reduces stress and decision fatigue.Planning for annual expenses creates long-term stability.Healing your relationship with money starts with knowing your numbers.Investing in yourself is a valuable, intentional decision—not a splurge.Separating bills from spending brings clarity and calm.Delayed action in budgeting can cost you opportunities.Creating a budgeting system beats traditional budgeting every time.To sign up for their Budget Bootcamp, click here:  https://budgetbesties.com/bootcamp/ 

Jason and Jared break down why creatives NEED to create, follow and maintain a budget and how to harness your creative energy and emotions to make budgeting... fun? 

Axel welcomes back Stacey Hampton, founder of Asset NOI Consulting, for a highly tactical conversation focused on improving multifamily operations in today's challenging environment.Stacey breaks down how asset managers can move beyond surface-level KPIs and start focusing on the metrics that actually drive performance. She explains how to turn annual budgets into actionable operating plans, how to think strategically about lease expirations throughout the year, and why understanding the true cost of turnover fundamentally changes decision-making.The conversation also dives deep into renewal strategy, retention timing, workforce housing dynamics, and why optimizing for cash flow, not just rent growth is critical for long-term operators.This episode is a must-listen for owners, asset managers, and operators who want to tighten operations, protect NOI, and make better data-driven decisions.Join us as we dive into:The difference between asset management strategy vs. property management executionHow to convert a budget into a clear, measurable action planWhy landing Q1 is critical to hitting annual NOI targetsHow to intentionally manage lease expirations across the calendar yearThe real, fully-loaded cost of a unit turnoverWhy retention and occupancy are often more powerful than rent growthTools and AI resources Stacey is using to stay ahead of operational trendsAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.NH Multifamily Fund III Details:Download The OM For The NH Multifamily Fund IIIAccess The Deal Room For The NH Multifamily Fund IIIConnect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate PartnersConnect with Stacey:Connect with him on Linkedin

Architecture is evolving faster than ever, especially in healthcare, where design intersects with technology, patient experience, and operational efficiency. In this episode, principals Rebecca MacDonald and Kyle Basilius of Parkin Architects discuss the changing landscape of hospital design, from universal versus private healthcare systems to the integration of AI and robotics. Discover how architecture shapes outcomes for patients, families, and staff, while anticipating the healthcare challenges of tomorrow. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. Design Hardware – A stunning and vast collection of jewelry for the home! TimberTech – Real wood beauty without the upkeep Join us for a deep dive into the world of healthcare architecture with Parkin Architects. Rebecca McDonald and Kyle Basilius share insights from decades of experience designing hospitals across Canada, the U.S., and Europe. From flexible master planning and lifespan considerations to advanced lighting, patient control systems, and automated logistics, they reveal how design can directly impact health, wellness, and operational efficiency. We explore how emerging technologies like AI, remote diagnostics, and robotics are beginning to influence design decisions and operational planning, creating safer, more adaptive, and human-focused healthcare environments. Whether you're interested in the philosophy of design, future-proofing healthcare infrastructure, or the intersection of technology and empathy, this conversation highlights the practical and visionary approaches shaping hospitals today. Talking Points: Introduction & Context Host sets the stage: the evolution of architecture in healthcare, AI, and technology in shelter and commercial spaces. Brief MIT course on AI and machine learning as inspiration for the discussion. Guest Introductions Rebecca McDonald: 12 years at Parkin Architects, focus on healthcare planning, personal motivation from family experiences in healthcare. Kyle Basilius: Design and planning across the U.S., Denmark, and Canada; current principal overseeing cancer hospital design, philosophy of integrating empathy into architecture. Healthcare Systems & Design Philosophy Comparison: Single-payer/universal healthcare vs. two-payer U.S. system. Operational implications: access, staff wellness, patient and family experience. Budgeting and stewardship of public funds in large-scale projects. Hospital Lifespan & Flexibility Typical hospital lifecycle: 50 years; planning for technological and programmatic changes. Importance of flexible core and shell design to accommodate renovations, evolving patient care, and technology integration. Master planning: phased renewals, mixed-use inpatient and outpatient strategies. Technology & AI in Healthcare Design AI as a tool for operational efficiency and patient care improvement. Automation: AGVs and AMRs for logistics and staff support. Potential for remote surgeries, telemedicine, and hub-and-spoke care models. Emergency Department Design Throughput and triage-focused planning: neighborhood-style zones for low, high, and trauma acuity patients. Mental health challenges and patient volume impacts on design. Opportunities for tech integration to improve patient flow and staff experience. Lighting & Environmental Control LED and circadian lighting systems for patient comfort, sleep, and recovery. Flexibility and control for staff and patients. Integration with intuitive interfaces to improve operational workflow and care delivery. Staff Wellbeing & Operational Efficiency Reducing injury through thoughtful design and automation. Leveraging AI and technology to improve staff retention and productivity. Supporting patient-centered care while optimizing building operations. The Future of Healthcare Architecture Planning for technological advances, flexible programming, and patient-focused design. Anticipating evolving care delivery models, population growth, and community needs. Emphasis on human-centered design as the core of architectural innovation. Closing Thoughts Key takeaways: design is as much about the people using the space as it is about the physical structures. The evolving role of technology and AI as supportive tools rather than replacements. Thank you Rebecca, thank you Kyle and everyone at Parkin Architects for craft special places with purpose. Thank you for listening. If you liked this episode, share it with a friend or colleague who loves design and architecture like you do, subscribe to Convo By Design wherever you get your podcasts. And continue the conversation on Instagram @convo x design with an “x”. Keep those emails coming with guest suggestions, show ideas and locations where you'd like to see the show. Convo by design at outlook.com.  Thank you to my partner sponsors, TimberTech, The AZEK Company, Pacific Sales, Best Buy, and Design Hardware for supporting the publication of over 650 episodes and over 3,000,000 streams, downloads and making Convo By Design the longest running podcast of its kind. These companies support the shelter industry so give them an opportunity on your next project. Thanks again for listening. Until next time, be well, stay focused and rise about the chaos. -CXD

Today, we're talking about the other B-word… Budgeting — but before you roll your eyes, stick with me, because my guests Shana and Vanessa (aka the Budget Besties) are flipping everything you think you know about budgets on its head.These two are best friends turned financial coaches who teach ambitious women how to automate their money without shame, spreadsheets, or sacrifice. Honestly? Sign me up. Those are all things I actively avoid.In this episode, we unpack their simple, stunningly effective system that turns your bank into your own personal assistant — so you can pay your bills, enjoy your life, and still splurge on the bougie things without relying on credit cards.They break down why most women believe they're “bad with money” (spoiler: you aren't), how modern financial life has become way too complicated, and how a budget — done their way — actually gives you permission to spend.We get into:Why money problems aren't about overspending… they're about disorganizationHow to set up a one-page budget that mimics your real lifeWhy separating accounts is the key to reducing stressHow automation replaces willpowerWhat entrepreneurs especially need to understand about stabilizing incomeThe mindset shift that helps you drop shame and start dreaming againIf money has ever felt overwhelming, guilt-inducing, or chaotic, this conversation is going to breathe oxygen back into your confidence.

Andrea Rosi, Head of Operations and Marketing at StatSocial, shares her career journey and offers insights into how StatSocial helps brands understand audience interests, media preferences, and influencer relationships to drive more effective marketing strategies. She highlights the importance of an audience-first approach, especially in B2B marketing, where looking beyond job titles to understand people as individuals leads to more authentic and meaningful connections. Andrea also breaks down StatSocial's marketing mix, spanning paid search, social media, and event marketing, and discusses the ongoing challenge of balancing long-term brand building with short-term lead generation.   About StatSocial StatSocial is a people-based intelligence platform that delivers identity-resolved, AI-ready audience data built from public social behaviour across major platforms. Powered by StatSocial's Identity Graph and Knowledge Graph, the platform enables audience insights, influencer strategy, targeting, and exposure-based measurement. Leading brands and agencies use StatSocial to understand real audiences, improve marketing decisions, and quantify impact across paid, earned, and owned channels. Learn more at StatSocial.com   About Andrea Rosi Andrea Rosi is a leading marketing and operations expert with over 10+ years experience working with Fortune 500 companies in the marcom technology space. Her background includes expertise in go-to-market strategies, product and content marketing, product management and sales. Time Stamps 00:00:18 - Guest Introduction: Andrea Rossi 00:01:46 - Overview of StatSocial's Product 00:02:18 - Understanding Audience Insights 00:06:01 - Benefits for B2B Companies 00:10:12 - Risk Aversion in B2B Marketing 00:14:19 - Balancing Data and Creativity 00:14:33 - StatSocial's Marketing Strategy 00:16:08 - Measuring Event Marketing Success 00:18:00 - Budgeting for Branding vs. Lead Gen 00:19:06 - Future of Marketing and AI   Quotes "I think one of the biggest challenges in B2B is that engaging, analyzing and engaging audiences has been fairly limited to people's title." Andrea Rosi, Head of Operations and Marketing at StatSocial. "It's been a really critical gap is being able to enable clients to take an audience first approach to their influencer programs. I can't tell you how many times we've spoken to clients that previously would choose influencers based on reach and engagement metrics." Andrea Rosi, Head of Operations and Marketing at StatSocial. "It's hard to find a balance sometimes... you don't necessarily know what movement is going to go viral. So you use data to the best of your ability." Andrea Rosi, Head of Operations and Marketing at StatSocial.   Follow Andrea Rosi: Andrea Rosi on LinkedIn: https://www.linkedin.com/in/andrea-rosi-343b8158/ StatSocial website: https://www.statsocial.com/ StatSocial on LinkedIn: https://www.linkedin.com/company/statsocial/   Follow Mike: Mike Maynard on LinkedIn: https://www.linkedin.com/in/mikemaynard/ Napier website: https://www.napierb2b.com/ Napier LinkedIn: https://www.linkedin.com/company/napier-partnership-limited/   If you enjoyed this episode, be sure to subscribe to our podcast for more discussions about the latest in Marketing B2B Tech and connect with us on social media to stay updated on upcoming episodes. We'd also appreciate it if you could leave us a review on your favourite podcast platform. Want more? Check out Napier's other podcast - The Marketing Automation Moment: https://podcasts.apple.com/ua/podcast/the-marketing-automation-moment-podcast/id1659211547

In this episode of "Next Steps 4 Seniors: Conversations on Aging," host Wendy Jones is joined by Bill Feldmaier and Mike Laske from Greenleaf Trust to discuss achieving financial peace of mind in retirement. They highlight the importance of comprehensive financial planning, organizing scattered assets, involving family in financial literacy, and working with fiduciary advisors. The conversation emphasizes proactive planning, clear documentation, and professional guidance to reduce anxiety, ensure smooth wealth transfer, and protect seniors’ legacies. Greenleaf Trust’s client-first approach and community involvement are showcased, encouraging seniors to seek expert help for a secure and confident retirement. For more information on Next Steps 4 Seniors, contact us at 248-651-5010 or at www.nextsteps4seniors.com Learn more : https://nextsteps4seniors.com/See omnystudio.com/listener for privacy information.

Brad Barrett shares updates on his health journey and effective workout principles, while Dr. Bobby discusses the costs and benefits of organic foods. The conversation encourages listeners to reconsider their food choices and encourages an increase in fruit and vegetable intake over focusing solely on organic options. Brad's muscle-building routine coupled with nutritional insights sets the stage for prioritizing health alongside financial independence. Timestamps & Key Topics: 00:00:00 - Introduction Introduction to the episode theme focusing on health and nutrition. 00:01:13 - Brad's Health Journey Update Overview of Brad's personal health journey and commitment to fitness. Focus on long-term well-being into older age. 00:02:30 - Workout Principles Importance of effective workout routines. Emphasis on machine-based workouts for targeted muscle growth. 00:15:50 - Nutrition Insights Discussion about protein intake and overall diet. Emphasis on increasing fruit and vegetable consumption. 00:34:10 - Interview with Dr. Bobby Introduction to Dr. Bobby's background and expertise in nutrition. 00:35:02 - Segment on Organic Foods A detailed cost-benefit analysis of organic foods vs. conventional foods. Recommendations for increasing overall fruit and vegetable intake. 01:09:20 - Conclusion Summary of key insights and encouragement to prioritize both health and financial independence. Key Takeaways: Effective Workouts: Focus on controlled movement and adequate rest during workouts for maximum muscle gain. Recommended six exercises per workout with two sets each, targeting different muscle groups. Nutrition Strategies: Increasing fruit and vegetable intake can significantly impact health outcomes more than just choosing organic options. Approximately 80% of Americans do not consume enough fruits and veggies. Cost vs. Benefit of Organic Foods: The financial implications of buying organic foods may outweigh the health benefits for many families. Allocating grocery budgets towards higher quality fruits and vegetables rather than solely organic options can provide better health returns. Actionable Takeaways: Workout Focus: Incorporate machine-based exercises focusing on compound movements to build muscle effectively. Prioritize recovery with a resting period of 3-5 minutes between sets. Meal Planning: Start planning meals in advance to reduce the chances of last-minute takeout or unhealthy choices. Budgeting for Health: Consider reallocating funds typically spent on organic foods towards a gym membership or investing in wellness products to enhance overall health. Discussion Questions: What are your thoughts on the price differences between organic and conventional food? How can you apply principles of effective exercise to your routine? Key Quotes: "This workout... is just the most brutally effective workout you can imagine." - Brad Barrett 00:04:07 "Unlock the potential of better health: more fruits and veggies!" - Dr. Bobby 00:51:11 "Health is a choice: wise spending is key!" - Dr. Bobby 00:52:45 Resources Mentioned: Dr. Bobby's Podcast and Website Dean Turner Training Related Episodes: Tips to Reduce Your Grocery Expenses - Episode 007 The Six Pillars of Health with Dr. Bobby - Episode 498 Muscle Building with Dean Turner - Episode 480

NBC News Chief Consumer Investigative Correspondent Vicky Nguyen demonstrates some easy fixes that can make a big difference when it comes to organizing your finances. Also, actor Sam Heughan stops by to discuss his new book “The Cocktail Diaries”, a collection of recipes, stories, and global adventures. Plus, best-selling author and women's health expert Dr. Mindy Pelz discusses how to reframe the way we talk and think about menopause and share tools that can help women live authentically. And, just in time to finish your holiday shopping, some of the best gifts from NBC Select's 100 Best Gifts list. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out our Bootcamp!Snag Our Simplified Budget System! You're ready to invest, but wait—you're still in debt… and you don't even have a budget yet. So what now?In this episode, Shana and Vanessa are breaking it all the way down:

This week on Mums on Cloud Nine, hosts Heather Black, Kelly-Jace Halls, and Lyn Constantine dive deep into the world of AI productivity hacks for budget planning and finances. As part of our 90 day series on AI, we're exploring how everyday mums can use simple AI tools to save time, lower stress, and take control of their finances. From finding bargain deals online, to streamlining mortgage repayments and bringing financial clarity into family life, our hosts share honest stories, practical tips, and tried-and-tested tricks from their personal experiences. Whether you're a spreadsheet lover, a savvy deal-hunter, or simply looking for ways to overcome money anxiety, this episode has got you covered. We discuss top financial apps like Snoop, Cleo, Plum and Emma, and show how they can help couples and families manage money together. Plus, find out why engaging with AI isn't just about saving cash and time—it's about building confidence, relationships and new career skills for the future. Join us to get inspired and empowered to make smarter financial decisions with the help of AI! Key Points in this Episode: Discover AI hacks that can save you up to 3 hours a week on financial planning and budgeting How to use ChatGPT to find discount codes, the best deals and smarter mortgage repayment plans Making spreadsheets smarter: bridging Excel with AI for financial accuracy Must-try financial apps: Snoop, Cleo, Plum, and Emma (https://emma-app.com/) How AI is supporting couples to manage joint finances and reduce money-related stress Tips for overcoming money anxiety and fear with gentle accountability from finance apps Teaching children about budgeting, saving and the value of money with fun AI tools The importance of developing AI skills for family life and future career opportunities Websites & Apps Mentioned: Emma: https://emma-app.com/ Cleo: https://web.meetcleo.com/ Plum: https://withplum.com/ Snoop: https://snoop.app/ ChatGPT: https://chatgpt.com/  Listen now to start your journey to financial freedom, supported every step of the way by your Mums on Cloud Nine community! Subscribe and connect with us for weekly mindset tips, practical hacks and empowering stories. Let's build a brighter future together. If you enjoyed this episode, please leave a review and share with any mums who want to feel stronger, clearer and more confident about their money and career!

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Spending can be hella stressful heading into the holiday season, and if you're struggling with debt or with setting up realistic financial goals for the coming year, this is a must-listen reminder for overcoming financial stress and toxic money patterns.A healthy money mindset is the missing ingredient for a lot of people's financial security. So we're throwing it back to this sustainable financial advice from finance coach Nicole Stanley on dealing with debt, setting realistic money goals, and her own journey to get debt-free. Nicole Stanley is the Founder & Head Financial Coach of Arise Financial Coaching. After battling crippling financial anxiety in her early twenties, Nicole enrolled in her first personal finance course and made changes to go from 30K in debt to building over a quarter-million in net worth for her family at age  27. Arise Financial Coaching has now served over 600 clients and has been featured in TIME, Yahoo Finance, & CNET.Listen to our full episode with Nicole here.Tune in every Monday for an expert dose of life advice in under 10 minutes.Follow Nicole:On Instagram: @arise.financial.coachingArise Financial Coaching Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

Wondering what your marketing agency is actually doing, and whether it's truly bringing new clients through the door?In this episode of the Grow Your Clinic podcast, we unpack the must-know foundations clinic owners need before handing over a single marketing dollar. We break down the core definitions that shape every campaign - what a real conversion is, how to calculate your Client Acquisition Cost, why Lifetime Value matters, and what ROI should realistically look like for your clinic. You'll learn how to set clear expectations, ask the right questions, and avoid the common misalignment that leads to wasted spend and disappointing results.We also explore how to build a transparent, collaborative relationship with your agency, one where reporting is simple, next steps are clear, and both sides are accountable. If you want marketing that genuinely delivers new clients, not just pretty reports, this conversation will give you the clarity and confidence to get it right.Need to systemise your clinic? Start your free trial of Allie! https://www.allieclinics.com/ In This Episode You'll Learn: 

Franchise Coach Giuseppe Grammatico sits down with job networking expert Trevor Houston for this full episode to discuss how corporate executives can achieve financial and time freedom. Learn the crucial mindset shifts, the 1 secret to beating the resume black hole, how to get your finances in order, and the powerful strategy of using a podcast for networking and career reinvention. If you're tired of the corporate rat race, this is your blueprint for a second act. Choose the right path at https://ggthefranchiseguide.comAbout the Guest: Trevor Houston is an expert in job networking and career transitions.Check out the Who You Know Job Networking Show: https://whoyaknow.show/Connect with Trevor on LinkedIn: https://www.linkedin.com/in/trevorhouston/DISCLAIMER: The information on this site is for general information purposes only. Franchising involves risk and careful consideration should be given before making any decisions.00:00 Introduction and Networking Insights00:31 Welcome to the Franchise Freedom Podcast00:58 Guest Introduction: Trevor Houston01:25 Trevor's Career Journey02:25 Transition to Financial Services05:14 The Importance of Mentorship07:39 Helping Job Seekers and Career Transition10:46 Building a Personal Brand16:15 Franchise Freedom Book Offer17:14 Facing Financial Realities18:17 The Importance of Budgeting and Outsourcing18:29 Three Key Questions for Outsourcing Decisions20:10 The Impact of AI on Time Management21:13 Ideal Clients and Corporate Layoffs22:41 Overcoming Age Discrimination in the Job Market24:08 The Who Ya Know Show Podcast28:48 The Benefits of Starting a Podcast33:14 Final Thoughts and Contact InformationConnect with Franchise Freedom on:Website: https://ggthefranchiseguide.com/podcast/ LinkedIn: https://www.linkedin.com/in/giuseppe-grammatico/ Facebook: https://www.facebook.com/GGTheFranchiseGuide X: https://x.com/ggfranchguide Instagram: https://www.instagram.com/ggthefranchiseguide/ YouTube: https://www.youtube.com/@ggthefranchiseguide Apple: https://podcasts.apple.com/us/podcast/franchise-freedom/id1499864638 Spotify: https://open.spotify.com/show/13LTN5UzA57w2dTB4iV0fm TikTok: https://www.tiktok.com/@ggthefranchiseguide The Franchise Freedom: Discover Your New Path to Freedom Through Franchise Ownership, Book by Giuseppe Grammatico https://ggthefranchiseguide.com/book or purchase directly on ...

Business owners are generally optimists. That's why they're business owners. They have hope for a better future. And, that optimism many times is naive and simple. It can keep business owners continually walking the tight rope sitting atop an elephant. They spend what they make. They operate on thin margins. They assume the good times will continue indefinitely. And when they don't - when the market shifts, when a major customer leaves, when an economic downturn hits - they feel the hurt. But they act as if it was out of their control. The issue isn't that winter came. Winter always comes. The issue is that they didn't prepare for it.

Business owners are generally optimists. That's why they're business owners. They have hope for a better future. And, that optimism many times is naive and simple. It can keep business owners continually walking the tight rope sitting atop an elephant. They spend what they make. They operate on thin margins. They assume the good times will continue indefinitely. And when they don't - when the market shifts, when a major customer leaves, when an economic downturn hits - they feel the hurt. But they act as if it was out of their control. The issue isn't that winter came. Winter always comes. The issue is that they didn't prepare for it.

H1-Seg1-Fri12/12/25-HeidiHarrisinforTCJS-Trump's $2000 Payment; Holiday budgeting

Text Me Here!!!We are so close to the end, so let's talk about everyone's favorite topic : Money (;Okay, it might not be our favorite topic, but we need to talk about it, especially as we head into a new year.So I share with you what Brit and I have found to work for us and hopefully it can help you and above all, bring more security and structure into your life and for your house.Let me know what you think!*******Links:Spark Driver Referral:  E-mail: munchandminglepodcast@gmail.com Insta: @munchandminglepodcast

In this special replay, Rachel sits down with financial coach and mom-of-five, Brittany Flammer, to talk about practical ways to enjoy a meaningful, stress-free holiday season without overspending. If the pressure to buy “more, bigger, and better” has you feeling guilty or overwhelmed, this episode will help you slow down, set healthy boundaries, and create a Christ-centered holiday that doesn't drain your bank account or your peace. Episode HighlightsWhat “breathing room” looks/feels like for BrittanyBrittany's tips to help us prepare our budgets or mindset around money for this seasonThe biggest pitfalls Brittany has seen that cause people to overspend or blow their budget this time of yearThe mindset around money that is stealing our joy and how we can avoid itTips, apps, and strategies we need to know about when it comes to shopping for All The Things this time of yearBrittany's recommended tools, resources, and strategies for finance & creating some breathing roomResources MentionedBrittany's Budgeting ResourcesBrittany's Membership: Fit Finance Club Free Holiday Budget Template Brittany's YouTube ChannelBrittany's Etsy ShopThe Wealthy BarberThe Millionaire Study The Money Guy PodcastRelated Episodes You Might Also LikeEP 30 - Preparing Your Home for the HolidaysEP 32 - Preparing Your Heart for ChristmasEP 46 - The Truth About Living an Abundant Life with Samantha SemansEP 70 - Not Weak, Just Weary - and Stronger Than You ThinkEP 71 - What If You're Doing Better Than You Think? with Jennifer Renee WatsonConnect with BrittanyWebsite: www.brittanyflammer.com Instagram: @brittanyflammerEmail: brittanyflammer@gmail.comConnect with RachelWebsite: racheldbaker.comInstagram: @rachel.d.baker Email:

Money can be tricky. It can feel like it's there when it's not, or feel gone when you actually have enough. That confusion can push us into two extremes: depriving ourselves or overspending. Jen and Jill are here to cut through the chaos with the real fix by aligning your budget with your values so your money finally makes sense.

The holidays are stressful; let's not kid ourselves. There are ways to reduce holiday stress, and one is holiday budgeting.You can still have a joyous holiday season without all the holiday spending that gets out of control. You don't even have to live a minimalist lifestyle as we do. Stop thinking that using your credit cards for holiday expenses is normal, just to pay them for the rest of the upcoming new year. We'll share some easy things that have helped us out!

Hire Yourself Podcast with Pete GilfillanCorporate leaders spend decades building skills in strategy, leadership, operations, and customer experience. What many executives don't realize is that these same skills translate directly into successful franchise ownership.In this reuploaded episode, Pete Gilfillan breaks down how senior-level executives can use their corporate training to build and scale a business of their own. If you've ever wondered whether your background gives you an advantage in entrepreneurship, the answer is absolutely yes.In this episode, Pete discusses:Strategic Planning & Execution Executives know how to build long-term plans, set KPIs, and align teams to a shared vision — the exact skills needed to launch and scale a franchise.Leadership & Team Building Hiring, training, motivating, and culture-building are second nature to corporate leaders. Franchise owners with leadership experience outperform quickly.Financial Acumen Numbers drive business success. Budgeting, forecasting, and analyzing margins help executives build profitable locations faster.Operational Excellence Corporate-trained leaders know how to build systems, SOPs, and efficient processes — a major advantage in franchising.Risk Management Skills Assessing threats, evaluating opportunities, and making smart decisions translate directly into smart franchise ownership.Networking & Relationship Building Executives bring decades of contacts and influence to the table, creating partnerships and customer relationships that fuel growth.Continuous Learning & Adaptability The corporate environment teaches leaders to evolve quickly — a must-have skill for running a business.Customer-Centric Thinking Executives understand service excellence and can elevate customer experience far beyond competitors.Community Engagement Building relationships locally, sponsoring events, and getting involved drives brand visibility and trust.Key Takeaways:Corporate experience gives you a serious head start in franchise ownership.Leadership, strategy, financials, and customer focus directly accelerate business success.As corporate demand for senior executives shrinks, entrepreneurship creates new opportunity.Your skills can build your own wealth instead of someone else's.Franchise ownership gives you control, income security, and a scalable path forward.“You've spent years learning how to build things for others. It might be time to use that experience to build something for yourself.” — Pete GilfillanCONNECT WITH PETE GILFILLAN:

When hope is tied only to a desired outcome, disappointment becomes inevitable. Katherine Wolf knows this truth more personally than most. At just 26, with a newborn in her arms and a lifetime ahead of her, she suffered a massive and unexpected stroke that changed everything.Today, through her writing, speaking, and nonprofit ministry Hope Heals, Katherine invites others into a deeper, sturdier hope—one that can withstand even the darkest valleys.On today's show, she joins us to share her journey: how suffering reshaped her faith, her understanding of God's goodness, and even her family's finances.A Life Forever ChangedIn 2008, without warning or symptoms, Katherine experienced a catastrophic brainstem stroke caused by a congenital condition she never knew she had—an arterial venous malformation (AVM). Overnight, she went from fully able-bodied to fighting for her life.A 16-hour surgery saved her, but her new reality included significant impairments. Today, she uses a wheelchair, has facial paralysis, reduced function in her right hand, and additional physical limitations. Still, she radiates joy and purpose.“I did live—and I'm doing great,” she says with her trademark resilience.Katherine describes the stroke as the moment “the pebble hit the metal”—a collision between everything she had learned about Jesus and the hardest chapter of her life.Years of Scripture, sermons, prayer, and discipleship prepared her for a moment she never imagined. “This is no longer a drill,” she remembers telling herself. Her long walk with Christ, though imperfect, had built a foundation strong enough to stand when everything else fell apart.In her memoir Hope Heals, she writes that suffering is not the end of the story—but the beginning of a new one. Christian hope does not deny pain; it declares that pain will not have the final word.Katherine's more recent book, Treasures in the Dark, draws from Isaiah 45:3—God's promise to give “hidden treasure” in the shadows of our lives so we might know Him more deeply.“If we must walk through darkness—and we all do at some point—why not gather the treasure God has placed there?” she asks. In other words, don't waste your pain. Let God use it to form you, deepen you, and show you His faithfulness in ways comfort never could.Hope Heals: A Ministry Born from SufferingOne of the greatest treasures to emerge from Katherine's hardship is Hope Heals, the nonprofit she and her husband, Jay, founded.Hope Heals CampTheir flagship outreach is a fully scholarship-supported summer camp for families affected by disability. Guests experience rest, community, and the love of Christ through what Katherine calls “inter-ability community”—people with and without disabilities sharing life together.Volunteers and families leave forever changed. The joy is contagious.Mend Coffee ShopIn Atlanta's Buckhead neighborhood, Hope Heals also operates Mend, a universally accessible coffee shop that employs people with disabilities and creates a space where everyone belongs.Katherine describes both initiatives as “glorious,” a word she uses often—and always with delight.The Financial Realities of SufferingMedical crises don't just affect the body; they often reshape a family's finances. Katherine knows this firsthand.When disability or sudden illness enters a story, she notes, “the finances can be ravaged.” Many families drain savings, take on debt, or scramble to fund treatments and therapies.But Katherine also speaks about “invisible wheelchairs”—the unseen burdens that hold people back. Financial instability, she says, can be one of the most crippling.Her encouragement? Everyone carries some kind of hardship. You are not alone. God gives us community and wisdom so we don't walk these valleys in isolation.For Katherine, surrender has become a central theme of her spiritual life, including how she views money.“Surrender is relief,” she says. “It's not God binding us up—it's letting Him take the wheel.”This posture doesn't magically erase financial challenges, but it reframes them. It anchors us in trust rather than fear. And it reminds us that provision comes from God, not our own strength.Hope for Anyone Facing UncertaintyKatherine's story speaks to those walking through overwhelming medical challenges—but her final encouragement reaches everyone, regardless of circumstances.Trusting God means you don't have to live afraid of what may happen next.Your circumstances may feel anything but okay, but when Christ lives in you, the deepest good in your life is already secure.“The good things of God,” she says, “are not external—they're inside of you when you know Him.”That truth allows us to face uncertainty with confidence, surrender our financial fears, and discover a hope that holds—no matter the storm.Learn MoreTo explore Katherine's ministry or support her work, visit HopeHeals.com.If you're near Atlanta, stop by Mend coffee shop in Buckhead—a place of belonging, beauty, and community. Katherine will also be speaking at the upcoming Kingdom Advisors Conference, where thousands of financial professionals gather to grow in biblical wisdom and stewardship. Learn more at RedeemingMoney.com.On Today's Program, Rob Answers Listener Questions:I invested based on the advice of a family friend who said it was guaranteed, but I lost $15,000. I'm single, I don't have much, and I was expecting this investment to return about $25,000. Now I'm just praying I'll have enough for rent next month. I'm calling to ask how I can recover from something like this.I have some real estate properties I want to leave to my children, and I've heard that putting them in a trust can help avoid capital gains. Do I need a trust for that? And should I also have a will?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Hope Heals | Hope Heals Camp | Mend Coffee & GoodsHope Heals: 
A True Story of Overwhelming Loss and an Overcoming Love by Katherine and Jay WolfTreasures in the Dark: 90 Reflections for Finding Bright Hope Hidden in the Hurting by Katherine Wolf with Alex WolfWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Strasbourg AirBnB (not sponsored, paid with our own money!)Magical Christmas Markets of Europe (please note: we are not affiliated with this group in any way, and potentially it is run by a travel agency? Either way, lots of good info in there!)Thanks for finding our podcast! We are a family of 5 who does most of our travel using credit card points and miles and we share how we leverage credit card offers to earn a ton of points/miles so we can afford travel as a larger family.And make sure to follow us on Instagram @TravelPartyof5In this episode we share how we turned a long-held bucket list into a family trip to Strasbourg's Christmas markets. From market food to day trips in Alsace, we show how to plan, but also pivot if needed.• Booking Air France business class for five with Flying Blue and kid discounts• Managing points transfers, schedule changes, and positioning flights• Lounge strategy at PHX, DEN, and JFK for sanity and savings• Choosing a Strasbourg Airbnb near the tram for easy access• What to eat and drink at the markets and how mug deposits work• Handling crowds, rain days, and a restorative slow afternoon• Day trip playbook for Colmar and Eguisheim with shuttle tips• Why small-town markets feel calmer and more craft-forward• Budgeting with cards and euros and when to reserve trains• Key resources: Facebook groups, routes by train, and timing marketsWe will be back next week with all about Germany.  Airbnb and the Magical Christmas Markets of Europe Facebook group linked above!

Holiday spending on gifts, food and travel can be expensive with food inflation and cost of living on the rise. Financial advisor Justin Manning joins the show to discuss how to budget for the season and avoid holiday debt.

Crane Kenney explains Cubs' budgeting process, changes at Marquee full 1058 Sat, 06 Dec 2025 15:54:28 +0000 FIGzFkTJ0yVMFZ7r022V9Rv0i2vdTjG5 mlb,chicago cubs,sports Inside The Clubhouse mlb,chicago cubs,sports Crane Kenney explains Cubs' budgeting process, changes at Marquee Bruce Levine and David Haugh host Inside the Clubhouse, discussing the latest Cubs, White Sox and MLB storylines while also welcoming on great guests from across the baseball landscape. 2024 © 2021 Audacy, Inc. Sports False https://player.amperwavepod

In this episode of The Jason Cavness Experience, Jason sits down with Nicholas White. A Seattle-based marketing strategist, startup advisor, entrepreneur, and operator with experience at Amazon, Microsoft, and multiple early-stage ventures. Nick has led digital marketing programs for major B2B/B2C brands, driven pipeline expansion, advised early-stage founders, and built systems that blend creativity, data, and practical execution. His approach to modern marketing is shaped by curiosity, experimentation, and a deep understanding of customer psychology. Jason and Nick dive into how marketing is evolving, what founders consistently get wrong, where AI fits into the modern toolkit, and how to align product, sales, and marketing around real customer needs. A sharp, value-packed episode for founders, marketers, and builders.  Topics Discussed: • From Amazon/Microsoft to advising startups • What separates good marketing from great marketing • Curiosity as the foundation of strong strategy • Brand vs. demand  why founders confuse the two • Building early-stage marketing teams • Using AI for content, research, and GTM • How to connect marketing execution to revenue • Creative psychology and differentiation • Leadership lessons across corporate + startup worlds  • Budgeting, channels, and prioritization • Common hiring mistakes founders make • Nick's advice for marketing leaders and founders Support CavnessHR  Help Build the Future of HR CavnessHR is creating an AI-native HR system for small businesses with 49 or fewer employees  automation plus a dedicated HR Business Partner. Invest on Wefunder: https://wefunder.com/cavnesshr Download 7 free eBooks: https://www.buildcavnesshr.com/ebooks Join the Builders Club: https://www.buildcavnesshr.com/ Connect with Nicholas White: Website: https://nicholasgwhite.net/ LinkedIn: https://www.linkedin.com/in/nicholaswhite/ Connect with Jason Cavness: LinkedIn: https://www.linkedin.com/in/jasoncavness Instagram: https://www.instagram.com/jasoncavness TikTok: https://www.tiktok.com/@jasoncavness Podcast: https://www.thejasoncavnessexperience.com  

We check the markets often—but how often do we check our hearts? Most of us approach investing with calculators, not character. Yet Scripture calls us to a deeper way. What if investing isn't just a financial activity but a spiritual practice—one that shapes who we're becoming?Tim McCready, Head of Global Advisory at BrightLight (part of the Eversource Wealth Advisors team), has been helping both Kingdom Advisors and FaithFi develop a theological framework for investing that aligns our portfolios—and our hearts—with God's purposes. His recent work explores how timeless spiritual disciplines can transform how believers think about investing.Why Investing Requires a Spiritual LensTim begins with Jesus' words in Matthew 6: “Where your treasure is, there your heart will be also.” That's not just a warning—it's an insight into spiritual formation.“Our investment decisions aren't just a reflection of faithfulness,” Tim says. “They're shaping who we're becoming as we seek to be like Jesus.”When we invite God into our investment decisions, investing becomes more than strategy—it becomes worship. It becomes one more place where we ask God to form us into faithful stewards.The Ignatian Prayer of Examen—For InvestorsOne of the most compelling ideas Tim introduces is applying the historic Ignatian prayer of examen to our portfolios.For centuries, believers have ended their day with this reflective practice—examining God's presence, confessing sin, noticing grace, and preparing for tomorrow.Tim suggests: What if investors practiced something similar?Rather than viewing portfolios strictly through analysis or performance, the examen helps us approach them with discernment, surrender, and spiritual attentiveness.Step One: GratitudeGratitude quiets the noise and recenters us on God's generosity. Before looking at performance or market movements, Tim encourages investors to pause and thank God for His provision.It might sound something like:“Heavenly Father, thank You for the gifts You've entrusted to me—including my investment portfolio. Speak to me about my stewardship, challenge me, and remind me of Your faithfulness as I draw near to You.”Gratitude reframes everything. It reminds us that portfolios are gifts to steward—not trophies to admire nor securities to cling to.Step Two: ReviewJust as the daily examen invites believers to review their day, the investing examen invites us to review each line of our portfolio with prayerful reflection.This simple discipline lifts our eyes beyond numbers to the impact our investments have on people, communities, and the world.As Tim notes, “We may find both joy and conviction—joy where God is pleased, and invitation where He's calling us to change.”Step Three: Repentance and RenewalThis is where the examen moves from reflection to transformation.Perhaps we discover that we've placed too much security in our portfolio. Perhaps a certain investment feels misaligned with God's desires. Perhaps God prompts us toward greater generosity.Repentance helps us acknowledge these areas honestly—and renewal invites us to receive God's forgiveness and step forward in faith.A simple prayer might be:“Gracious Provider, rule over every part of my life, including my investments. Forgive me for trusting wealth over You. Give me courage to act where You lead, and joy in following Your plan for my life.”This step reorients our trust away from the market and back toward the One who “owns the cattle on a thousand hills.” (Psalm 50:10)Step Four: Community and AccountabilityThough investing can feel private, it was never meant to be isolated.We grow best in community. Sharing a budget or portfolio with a trusted friend or mentor is humbling—but powerful. Accountability exposes blind spots, clarifies values, and encourages faithfulness.Whether through a small group, a stewardship class, or a community like the FaithFi app, transparency invites God's wisdom through God's people.Step Five: Fasting from Market NoiseWe live in an era of constant market updates, by the day, hour, and minute. Tim points out that this flood of data gives the illusion of control while feeding anxiety.A spiritual practice of “fasting” from market noise—checking less often, turning off notifications, stepping back from constant updates—helps us rest in God's provision instead of reacting to every market swing.Jesus' question echoes here: “Who of you by worrying can add a single hour to his life?” (Matthew 6:27) Or, as Tim puts it, “add a single cent to your portfolio?”Step Six: ServiceSpiritually formed investors naturally turn outward. Financial experience is a gift meant to serve others—whether through mentoring, teaching budgeting, serving on a church finance committee, or helping younger believers develop healthy habits.Service transforms stewardship from something we manage to something we multiply.A Holistic Vision of Faithful InvestingWhen we bring together gratitude, review, repentance, community, fasting, and service, we begin to see investing not as a sterile financial exercise but as a rhythm of worship.“Investing is faithfulness,” Tim reminds us. “It forms us. It shapes us as disciples. A biblical approach to investing isn't measured only by returns, but by spiritual formation.”In other words, investing becomes a way to follow Jesus. A biblical worldview of investing doesn't start with performance—it begins with the heart. When we invite God into our investing, He uses even financial decisions to form us into the likeness of Christ.May our portfolios—and our hearts—reflect the One who has entrusted everything to us.On Today's Program, Rob Answers Listener Questions:I worked hard to raise my credit score to about 730, but a miscommunication with my student loan led to a late payment and brought it down to 548. The issue is fixed, and the account is current, but my score is still low. How long will it take to recover if I keep making on-time payments?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this Episode of the Business of Strength Podcast, Dan Goodman answers YOUR questions. 1. Budgeting for gyms.2. How to solve sales roadblocks for newer coaches.3. What marketing to focus on at the start of the year4. How to run a challenge without forfeiting your training principles.Our next live event is Trainer School January 23rd - Sign up Here: https://trainerschool.businessofstrength.comA special thanks to our sponsors!!Turnkey Coach: https://turnkey.coach/business-of-strength/Naamly: https://www.naamly.comSimmons Media: https://simmonsmedia.coIgnite Entrepreneurs: https://ignite-entrepreneurs.com

Are you one of those agencies that spend impulsively, based on gut feeling, or delay investments out of fear and uncertainty?In this episode of the Agency Blueprint podcast, I explain how agency owners can use operational budgets as a growth tool instead of just a tracking sheet. I further explain how to structure budgets around multiple outcomes—flat (if nothing changes), trend-based (aligned with current growth trajectory), and goal or stretch budgets (aimed at ambitious targets). Don't miss this episode to learn how to weigh investments using a risk-to-value calculus, prioritize based on ROI, and know when to greenlight or cut an initiative.Key Questions:[00:33] Are you spending intentionally to grow your agency or just burning through cash without a clear ROI?[03:43] Are your budgets simply tracking expenses, or are they guiding your strategic decisions?[08:15] How do you prioritize which investments to make first when several opportunities compete for your resources?What You'll Discover: [01:20] The concept of using multiple budget scenarios—flat, operational, goal, and stretch—to create a growth-ready plan.[02:02] The importance of aligning budgets with business trends rather than relying solely on past performance.[03:43] Understanding that budgets are not just for tracking, they are tools to guide decision-making and strategy.[04:50] The “risk-to-value calculus” to evaluate investments in people, tools, or new services.[06:40] The importance of setting clear timelines to measure whether an investment is working or if it should be cut.[08:15] How to prioritize competing investment opportunities by weighing ROI, time cost, and likelihood of success.[10:47] How to reverse-engineer growth goals into budgets by mapping revenue sources, retention rates, and hiring needs.

Adrian is joined by Sofeast Group Head of New Product Development, Paul Adams, to unpack the brutal truth behind the question: “Can you actually afford to manufacture your new product idea?” They bust some of the most dangerous myths (like “MOQ × unit price is my total cost” and “we'll fix reliability later”), then walk through Sofeast/Agilian's 6-phase NPI process for electromechanical products and show how your budget is really consumed; from feasibility and prototyping through to tooling, pilot runs, and mass production. If you're planning to launch a new product, this episode is your reality check and roadmap.   Episode Sections: 00:00 – Intro & who this episode is for  07:02 – Mythbusting: YouTube & “$10k product launch” myths  12:13 – The Sofeast/Agilian 6-phase NPI process  21:18 – How your budget is split across the phases  29:00 – What to expect in each phase & readiness checks  37:31 – Tooling, NRE, and why half a tooling budget is worse than none  43:42 – Budgeting properly and adding contingency  45:21 – Call to action & how Sofeast/Agilian can help   Related content... How to Calculate the Cash Needed to Prototype & Launch your New Product Why does new product development take so long? What is an NRE Cost (Non-Recurring Engineering)? 10 Factors Affecting Electronic Product Design Costs Costs and Milestones to go from Product Concept to Market? The New Product Development Process in Electronics New Product Development In China: 4 Tips To Go Faster Get in touch with us Connect with us on LinkedIn Contact us via Sofeast's contact page Subscribe to our YouTube channel Prefer Facebook? Check us out on FB

When two faith-based financial institutions come together, the goal isn't simply to grow in size—it's to grow in Kingdom impact. That's precisely what's taking place with the launch of AdelFi Christian Banking, a newly unified identity shaped by a shared mission to honor Christ and serve His people.Recently, we sat down with Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking, to talk about how this merger came together, why the new name matters, and what it means for Christians who want their finances to reflect their faith.A New Identity Rooted in ScriptureAccording to Caid, the new name is much more than rebranding—it's a declaration of purpose.“Our new name and identity are a visual representation of what we desire to accomplish with the merger,” he explains. The name AdelFi is derived from the Greek word adelphos, which is used more than 300 times in the New Testament to describe brothers and sisters in Christ.“That's who we are,” Caid says. “Staff, members, and ministries—coming together as a family of believers to build a financial institution centered on Christ and dedicated to advancing God's Kingdom.”The addition of the phrase “Christian Banking” is equally intentional—a bold statement about who they serve and the mission that drives them.The merger was completed on December 1, and throughout 2026, AdelFi Christian Banking will progressively roll out its new brand identity. Milestones include a new website in Q2 and an enhanced digital banking experience in Q3.Combining Strengths for Greater Kingdom ImpactWhat happens when two long-standing Christian credit unions combine their gifts and experience? Caid says the result is far more powerful than the sum of its parts.Both AdelFi and Christian Community Credit Union (CCCU) bring decades of ministry-focused service—over 125 years combined. Each also carries a unique tradition of generosity:AdelFi tithes 10% of its earnings to Christian ministries and mission-sending organizations.CCCU donates a portion of every debit and credit card swipe to Christian causes—over $6.5 million given to date.“Together, we will amplify our giving,” Caid notes. “And with our union, we will form the nation's largest Christian credit union, creating a digital-forward banking experience that honors God and meets members wherever they are.”The merger also expands lending capacity for churches, ministries, and Christian businesses—allowing more Kingdom-minded projects to flourish.Strengthening the Christian Banking MovementChristian banking is still a small, often overlooked sector. But Caid believes this merger marks a turning point.“Most Americans don't even know a Christian banking option exists,” he says. “By merging, we're aligning resources to create more awareness, more growth, and more impact.”With AdelFi Christian Banking emerging as the clear leader in this space, Caid hopes believers increasingly see banking as an area of stewardship—not just convenience.“Our desire is to be the go-to financial solution for Christ followers who seek to align their finances with their faith,” he says. “We want to help steward God's resources to His glory.”Why Christian Banking Is Countercultural—and NeededCaid acknowledges that choosing a Christian financial institution is, in many ways, a countercultural move.“We've seen a major shift among Christians who are fed up with secular banks using their funds for causes that don't align with their values,” he explains.Believers want their money—God's money—to be managed with integrity and used to advance gospel-centered work.“That's why we're boldly stating there is a quality alternative,” Caid says. “A place where your finances are stewarded in ways that reflect biblical priorities, not worldly ones.”The creation of AdelFi Christian Banking reflects a unified vision, a strengthened mission, and a renewed commitment to serving Christ's people well. For those seeking to align their financial lives with their faith, this merger offers a meaningful way forward.To learn more about AdelFi Christian Banking or explore opening an account, visit: FaithFi.com/Banking.On Today's Program, Rob Answers Listener Questions:I was offered a $45,000 loan at 8.675% for 20 years. I could use it to pay off two loans—one at 10.44% and one at 9.84%—and still have $15,000 left over. If I then put an extra $300 a month toward the new loan, is this a good deal?I'm 65 with a little over $1 million in a traditional IRA. Should I start converting some of it to a Roth before I have to take RMDs at 73?I budgeted $25,000 for a remodel. The contractor offered 0% financing for 72 months, bringing the cost to $21,000 with a $3,000 down payment—or I could pay cash and get an extra 5% discount by putting $6,000 down. Should I take the 0% option to keep more cash on hand? And will it affect my credit score?We owe $56,000 on our mortgage. I could pull from my retirement to pay it off, but that would nearly drain the account. Would it be wise to do that and then redirect the mortgage payment into investing?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)AdelFi Christian BankingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What can you learn about budgeting from Santa's Holiday preparation?   What lessons do the holiday bring? On this week's episode of The Crushing Debt Podcast, Shawn & George talk about: Overhead costs Supply chain issues Labor force issues North Pole budgeting Budgeting among multiple celebrations Gift-giving expectations Holiday season cash-flow We hope you had an amazing Thanksgiving break and a great holiday season. For Thanksgiving, it would mean a lot to us for you to please share this episode with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

Ted speaks with Travis Nuzman, owner of Millenia Luxury Homes in Scottsdale, AZ. Travis shares his transition from the structured world of production homebuilding to the highly personalized world of custom luxury construction. He highlights what large builders taught him—systems, scheduling discipline, and process-driven execution—and how those fundamentals shaped his approach in the luxury market.They explore the complexities of custom homebuilding, including longer timelines, deeper client involvement, and the importance of strong trade partnerships. Travis offers insight into managing projects spread across the Valley, keeping homeowners aligned on decisions, and guiding clients through the realities of material costs, finishes, and the cost-plus budgeting model.The episode also dives into Travis's entrepreneurial journey, including how an unexpected push led him to start his own company, why he wishes he made the leap sooner, and how he's building a multigenerational business with his sons. Ted and Travis discuss the value of hands-on trades, the shortage of skilled workers, the role of technology in modern homes, and how luxury builders collaborate rather than compete.A thoughtful conversation on craftsmanship, leadership, and what it takes to create homes built to last—both structurally and through lasting client relationships.TOPICS DISCUSSED01:30 From Production Homes to Luxury Building03:10 Arizona Move, BYU & Del Webb Beginnings5:40 What Production Building Teaches7:10 Entering the Luxury Market9:30 Boutique Builder Approach12:00 Managing Builds Across the Valley14:30 Custom vs. Production: Client Decisions and Collaboration17:30 Value of Strong Trade Partners18:30 Supply Chain Issues & Late Changes24:00 Getting Pushed Into Entrepreneurship26:45 Building a Family Business30:00 Grit, Trades & Workforce Development33:15 Tech in Custom Homes37:30 High-End Finishes & Rising Costs41:30 Budgeting, Cost-Plus & Transparency CONNECT WITH GUESTTravis NuzmanWebsiteLinkedInInstagramKEY QUOTES FROM EPISODE"Building a home is one of the most noble professions out there""This is a place where people are gonna live""They're gonna make memories, good times and bad times"

What does it really take to break through the myths of entrepreneurship and build a financially independent life—especially as a woman? In this eye-opening episode of The Angel Next Door Podcast, host Marcia Dawood invites listeners to rethink traditional notions of wealth, investing, and risk-taking by exploring the power of money mindset, resilience, and strategic investing.Our guest, Bernadette Joy, is a first-generation Filipino American, acclaimed author of "Crush Your Money Goals," and an entrepreneur who's achieved financial independence by age 40. As a life and money coach, Bernadette Joy opens up about her unconventional path from paying off $300,000 in debt to mentoring the next generation of women investors and entrepreneurs. Her journey is shaped by personal experience, a mission to help others overcome financial misconceptions, and a passion for demystifying the road to millionaire status—especially for women and communities of color.This episode dives deep into actionable strategies for getting your financial house in order, understanding the realities of angel investing, and building businesses designed for both growth and early retirement. Bernadette Joy shares candid stories—both successes and failures—offering a rare, honest perspective on what it means to curate your accounts, invest with intention, and heal your “money wounds.” Whether you're an aspiring investor, established entrepreneur, or simply looking for practical financial wisdom with heart and humor, this is a must-listen conversation that will inspire you to reimagine what's possible for your financial and entrepreneurial journey. To get the latest from Bernadette Joy, you can follow her below!https://www.linkedin.com/in/bernadebtjoy/https://www.crushyourmoneygoals.com/ https://a.co/d/1KJRwvJ - Crush Your Money Goals Bookhttps://www.instagram.com/bernadebtjoy/  Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn't a badge of honor. It's a warning light. When life feels out of balance, it may be a sign we're pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey's insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey's story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn't. And that's often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you're capable of and what you're carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it's morning. For others, it might be midday or evening.His challenge is simple: Do what you're best at when you're at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don't align with God's call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It's DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God's direction.Living at Your BestCarey's journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey's whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you're an advisor, he'll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today's Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I'll be mostly debt-free, and since longevity doesn't run in my family, I'm wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I'm 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We've always championed the long-term view of budgeting, but what if thinking about your money daily is the real secret to financial control? This week, we explore the idea of micro-timeframe spending: Is hyper-focusing on every 24 hours empowering and key to hitting your goals, or is it a recipe for driving yourself completely nuts? We'll reveal how we came to this counter-intuitive idea and deliver our verdict on whether a daily approach could finally be the breakthrough your budget needs. Tune in this week for our take!Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

In this episode of Revolutionizing Your Journey, Taryn and DeAndre sit down with their destination wedding planner, Mario M Lopez, the expert who brought their destination wedding vision to life. Together, they unpack the whole behind-the-scenes process of planning a destination wedding—everything from early vision-setting to navigating room block contracts, coordinating guest travel, and choosing trusted vendors.Mario sheds light on the most common pitfalls couples face and explains how a planner helps simplify complicated logistics at international venues. Taryn and DeAndre share firsthand experiences from their Casa de Campo wedding, highlighting what worked, what surprised them, and the decisions that made the biggest difference.This episode offers a candid roadmap for couples dreaming of a wedding abroad—and a deep look at what it takes to create a seamless celebration that feels effortless for both the couple and their guests.Key Highlights:Start with clarity: Defining your wedding vision early helps guide every decision.Room blocks matter: Understanding room block contracts prevents financial surprises.Planners make magic: A destination wedding planner simplifies complex logistics.Guest travel first: Coordinating travel early improves the guest experience.Trusted vendors win: Working with experienced vendors reduces risks and elevates quality.Budgeting upfront: Mapping out your budget helps keep the planning process smooth.Communication counts: Regular planner communication prevents avoidable mistakes.Visit before booking: Site visits reveal details you can't see in photos.Think like a guest: Small touches and thoughtful planning enhance guest comfort.Peace of mind: A skilled planner allows you to stay present and enjoy the experience.Resources:Book a Free 30 minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)Travel FreelyPoint.meFlightConnections.comThrifty Traveler Premium

Giving Tuesday has become a global moment to celebrate generosity. But for believers, it can be much more than a once-a-year opportunity to give. It can become a catalyst to cultivate a lifestyle of intentional, joy-filled stewardship all year long.Today, we explore how to give with both heart and wisdom—so that our generosity reflects God's purposes, not merely the moment. Joining the conversation is Al Mueller, founder and CEO of Excellence in Giving and former executive with Morgan Stanley and UBS.Beyond the Moment: What Giving Tuesday Really RepresentsFor Al Mueller, Giving Tuesday is more than a charitable trend—it's an invitation.“Giving Tuesday is a great opportunity to begin acting on generosity,” he says, “but it's also a moment to pause and align with God's purposes.” Al reminds us of Paul's words in 2 Corinthians 9:7: “Each one must give as he has decided in his heart… for God loves a cheerful giver.”In other words, generosity is more than an impulse. It is an act of worship. Giving Tuesday can be a spark, but intentional stewardship is the flame that keeps burning throughout the year.Al summarizes biblical giving with a simple idea: “God gave us both a head and a heart—He didn't say pick one.”Wise stewardship holds both together:The heart expresses compassion, joy, and worship.The head evaluates impact, effectiveness, and alignment with God's purposes.Stewardship looks at the Kingdom outcomes we long to see and asks how we can best contribute to them. Some giving is planned, some spontaneous—but all of it can be intentional.Helping Donors Give With ExcellenceAt Excellence in Giving, Al and his team equip high-capacity givers—often those giving $1 million or more annually—to make well-informed, impactful decisions. They offer research, due diligence, and accountability that help donors shift from reactive to proactive giving.But these principles, Al emphasizes, are not reserved for the ultra-wealthy.“Everyone can do their own homework,” he says. “Everyone can ask good questions. Everyone can give intentionally.”Whether you're giving $50 or $50,000, evaluating ministries wisely matters. Al recommends starting with three core questions:What problem is the ministry trying to solve?What do they believe is the root cause of that problem?What measurable results have they seen?Healthy ministries provide clear reporting, measurable outcomes, and transparent leadership. They welcome questions and view accountability as part of discipleship.Key indicators to review include:Leadership stabilityDonor and staff retentionClear communicationTransparent financial practicesEvidence of life changeStrong ministries don't hide their results—they celebrate them.Red Flags: When to Think TwiceJust as there are markers of strong ministries, there are warning signs that should prompt caution:Vague vision without a clear planEmotional pressure or over-spiritualizing resultsLack of reporting or unwillingness to share outcomesOver-dependence on a single donorRepeated urgent appeals for fundsAl calls vague visions “ministry hallucinations”—dreams without blueprints. Just as you wouldn't build a house without plans, you shouldn't fund ministry without clarity.A Growing Trend: Collaborative GivingOne of the most exciting developments in philanthropy today is collaborative giving—donors pooling resources to make a larger, more strategic impact.Pooling resources:Helps ministries secure larger grantsReduces duplicationSaves ministries' valuable timeStrengthens unity within the body of Christ“This model lets donors and ministries accomplish something bigger together,” Al explains.No donor wants to micromanage, and no ministry seeks to be controlled. But accountability doesn't mean control—it means clarity.Al puts it this way: “Accountability is information given, not control taken.”Trust grows when ministries offer clear plans, measurable results, and honest reporting—what Al calls “a form of blessing” to donors.The Next Generation of GiversYounger donors give differently than their parents do. They are:More global in perspectiveMore results-orientedMore experiential—they want site visits and direct engagementMotivated by conviction rather than obligationPassionate about transparency and impactAl believes this next generation will reshape Christian generosity—mainly as significant wealth transfers occur in the coming decades.Al concludes with a powerful insight: there is a meaningful difference between being generous and being a steward.In the first century, a steward managed the household, finances, and fields on behalf of the master. The steward's job was simple: to know the heart of the master and act accordingly.Stewardship today means:Recognizing God owns it allSeeking His desires for His resourcesGiving with discernmentAiming to hear, “Well done, good and faithful servant.”Generosity is beautiful—but stewardship is a calling.Growing in Intentional GenerosityWhether you're giving on Giving Tuesday or cultivating lifelong generosity, the call is the same: give with joy, wisdom, and purpose.If you want to explore tools to help you give more strategically, you can learn more at ExcellenceInGiving.com. And if you'd like to partner with the mission of FaithFi, visit FaithFi.com/Partner to join us in helping believers integrate faith and financial decisions for the glory of God.On Today's Program, Rob Answers Listener Questions:What are your thoughts on annuities for someone approaching age 70?My wife and I are senior citizens and now have custody of our 10-year-old granddaughter—her father passed away, and her mother isn't involved. We want guidance on setting up a trust for her future. What's the best way to approach this?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Excellence in GivingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If your 2026 budget is starting to feel like a no-win puzzle—flat headcount, higher growth expectations, fewer resources—this episode is for you. Craig Moore of Forrester joins Drew to reveal the budgeting mistakes too many B2B CMOs are still making—and what to do instead.  From rethinking budget architecture to organizing around business outcomes, Craig shares the frameworks that enable CMOs to go beyond justifying their spend—and start leading the strategic conversation with CEOs, CFOs, and CROs.  Get ready to challenge your assumptions, realign your org, and turn your budget into a true lever for growth.  In this episode:  The big 3 budgeting mistakes CMOs make  Why campaign-based budgeting unlocks strategy  Areas of volatility in 2026  AI's Role in Budget Planning  This is just the first half of one of CMO Huddles monthly Bonus Huddles with B2B marketing strategists. To hear the rest of the conversation with Craig, visit CMO Huddles Hub on YouTube.  For full show notes and transcripts, visit https://renegademarketing.com/podcasts/ To learn more about CMO Huddles, visit https://cmohuddles.com/

How do you stay generous at Christmas without blowing your budget?In this special episode, Jonathan joins Sarah on Morning Air (Relevant Radio) to talk through practical, realistic ways to navigate Christmas spending with clarity and peace.They cover:• How to set a Christmas budget that actually works• Why breaking your plan down person by person matters• What to do when a gift you love is outside the limit• How couples can team up on the Christmas budget• How to talk with family about scaling back traditions• Simple ways to avoid the post-Christmas credit-card hangover• Why stewardship—not stress—is the heart of Catholic gift-givingWhether you're aiming to stay debt-free this season or want a calmer approach to holiday spending, this conversation gives you the tools to plan well and stay grounded.

Adam and Jordana 10a hour!

The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn't have to be that way.Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about.Creating a Realistic Holiday PlanMost people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail.Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media's endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care.And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn't inevitable. Neile suggests starting early and planning intentionally.1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up.2. Set a total spending limit. Let this number guide every decision throughout the season.3. Use cash or debit when possible. “When the money's gone, you're done—and that's okay,” Neile says. This simple boundary protects you from impulse spending.4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can't comfortably repay.Ultimately, a budget is not a restriction—it's a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January.Meaningful Giving Without OverspendingGenerosity isn't measured by price tags. In fact, the most meaningful gifts are often the simplest.Neile encourages families to focus on personal, relational giving:Handwritten notesHomemade treatsShared experiencesThoughtful, small gifts with clear intentionHer own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.”When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable.If You're Already in Debt, There's HopeFor families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back.Why? Because responsible giving protects your finances, your peace, and your future.“Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.”Scaling back isn't failure—it's stewardship. And it models wisdom and faithfulness for your children.Refocusing on the True Meaning of ChristmasAmid the lights, the gifts, and the traditions, it's easy to lose sight of the heart of Christmas.“Christmas is a celebration of Jesus—the greatest gift ever given,” Neile reminds us. When our hearts are centered on Him, love and grace become the focus. Giving within our means allows us to celebrate joyfully, gratefully, and peacefully.And when we spend with purpose—anchored in Christ rather than consumerism—we experience a kind of joy that lasts long after the season ends.Need Help With Debt?If financial stress is weighing you down, Christian Credit Counselors can help. As a nonprofit ministry, they specialize in debt management—not debt consolidation—working directly with your creditors to lower interest rates and help clear the path toward freedom.Learn more at: ChristianCreditCounselors.org/Faith. On Today's Program, Rob Answers Listener Questions:I'm an 84-year-old retired veteran, and my wife is 81. We have a $375,000 mortgage on a $3.2–$3.4 million home, a $140,000 portfolio, a 529 with $55,000, about $100,000 in gold jewelry, $40,000 in Social Security benefits, and $15,000 in credit card debt. We're running out of money and need to tap our home equity. The VA offered a $400,000 loan, but would a HELOC or a reverse mortgage be better? Who can help us make the right decision?We're receiving a $60,000 inheritance and have $10,000 in credit card debt. Should we use some of the inheritance to pay it off, and what should we do with the rest? My husband is disabled, and we're in our 60s—so is investing any of it in the stock market wise? And should we tithe on the inheritance?I'm 65, still working full-time as a caregiver, and have about $900,000 in my 401(k). When should I start Social Security—now or when I retire in May 2026? And how do I know if I have enough saved for retirement, since I'm debt-free and have fairly basic expenses?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this week's podcast, Chad sits down with Pastor Jeremy Burrage to hear how his church operates a unique annual budget.

On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans. Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you through seven crucial year-end tasks, including maximizing retirement contributions, using up your FSA, making charitable donations, and reviewing your health benefits—each step designed to help you avoid costly mistakes and make the most of your money. Next, the show dives into one of the biggest gaps in personal finance: estate planning. Joel shares stories from his practice, highlighting how most estate plans are never fully implemented—leaving families vulnerable. He explains why simply signing documents isn't enough, and outlines easy-to-follow steps (like titling assets correctly and regular reviews) so your legacy plan actually works for your loved ones. But that's not all! Joel also explores the “stealthy wealthy”—those quiet millionaires who build real, lasting wealth by shunning status symbols, driving practical cars, maximizing tax efficiency, budgeting diligently, and keeping their finances private. Want to know what they do differently? Joel breaks down the seven key habits that set them apart, with actionable tips you can use right now. Whether you're looking to finish the year strong, set up your family for success, or adopt the habits of the quietly wealthy, this episode delivers practical insights and real-life inspiration. Click to listen and learn how to avoid the traps, make smarter money moves, and secure your financial future! 

Snag Our Simplified Budget System!You know what time it is... it's DECEMBER BUDGET TIME!

“We love because He first loved us.” — 1 John 4:19Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don't start by giving—we start by receiving.In this spirit, Sharon Epps, President of Kingdom Advisors, joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like.Women Who Supported JesusLuke 8 opens with a glimpse into Jesus' ministry on the move:“Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod's household manager, and Susanna, and many others, who provided for them out of their means.”  — Luke 8:1–3These women formed part of Jesus' traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources.Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod's household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation.Receiving Always Comes Before GivingBefore Joanna gave to Jesus, she received from Jesus.Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus' ministry. It reminds us that money alone can't solve the deepest problems of the heart. We all begin our stewardship journey by receiving.At the most basic level, every good thing in our lives is a gift from God:The breath in our lungsThe abilities we developThe resources we holdThe love we experienceAs Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing.Giving, then, is designed to be a response—a natural overflow of gratitude.Joanna's Love for JesusJoanna's story doesn't end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus' words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles.Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life.Generosity as a JourneySharon suggests that generosity is never a one-time event—it's a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love.To make this practical, Sharon shared three questions she's been asking herself—questions all of us can ask:1. What do I need to recognize as a gift from Christ before I can give generously?Do I see what's in my hands as mine—or as His?2. Is my giving safe or sacrificial?Does my generosity reflect comfort… or love?3. What does my current giving say about how well I've received?Giving reveals the condition of the heart.These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving.Becoming Conduits of Christ's LoveJoanna's life encourages us to see generosity not as a duty but as a joyful response to God's grace. As Sharon put it, her prayer—and ours—is to “receive so well that we become conduits of Christ's love through generosity.”May we, like these remarkable women, offer our resources, time, and lives with open hands—recognizing that every gift we give begins with the gift we've already received in Christ.On Today's Program, Rob Answers Listener Questions:I'm considering taking 72(t) withdrawals from my 401(k) in a couple of years as I retire and begin consulting. Should I plan on withdrawing around 5% annually, and if so, should I keep the money invested in stocks to aim for the usual 9–11% returns?My husband and I need about $8,000 and are debating whether to pull it from my 403(b), use benefits from his part-time retirement job, or tap a small annuity worth $3,000–$4,000. We want to pay off some credit cards and finish a car loan with three months left. What's the best source to use?We inherited enough money to either pay off our mortgage or cover about three-quarters of our daughter's student loan. The amounts are similar, and our mortgage is mostly principal now. I'm 61. Which payoff makes the most sense?I started my Social Security retirement benefits at age 70 this June. My younger husband reaches full retirement age next July. Can he take a spousal benefit equal to half of mine until he reaches FRA and then switch to his own higher benefit?I'm getting remarried, but my fiancée would lose nearly $1,500 in Social Security benefits she currently receives. Is there any way to avoid losing that benefit once we marry?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.