Podcasts about budgeting

https://teachhoops.com/ Phase 1: The Foundation (3-6 Months Before Camp) This is the crucial planning stage where you lay the groundwork for everything else. Define Your Camp's Identity: Niche: Is this a camp for beginners focusing on fundamentals? An elite shooting camp? A position-specific camp (e.g., for guards or post players)? Target Audience: Define your age groups (e.g., Grades 3-5, 6-8). This will dictate the curriculum, ball size, and rim height. Logistics and Legalities: Secure a Venue: Book a gymnasium well in advance. School gyms, community centers, or local sports complexes are great options. In Madison, facilities at local schools like Memorial or La Follette, or community centers like Goodman, are booked months ahead, especially for summer. Set Dates and Times: Check local school calendars (like Madison Metropolitan School District's) to avoid conflicts. Decide if it will be a half-day (e.g., 9 AM - 12 PM) or full-day (9 AM - 3 PM) camp. Get Insurance: This is non-negotiable. You must have liability insurance to protect yourself, your staff, and the facility. Create Waivers: Develop a clear liability waiver and medical release form that every camper's parent or guardian must sign. Budgeting and Pricing: List Expenses: Account for everything: gym rental fees, insurance costs, staff salaries, t-shirt printing, basketballs, first-aid supplies, and marketing costs. Set a Price: Calculate your total costs and determine a price per camper that covers expenses and provides a reasonable profit. Research what other local camps are charging to remain competitive. Now that you have a plan, you need to get campers in the door. Create Marketing Materials: Design a simple, clean flyer and social media graphic with all the essential information: camp name, dates, times, location, age groups, cost, and a link to register. Spread the Word: Digital: Post on local community Facebook groups (e.g., Madison parent groups), Instagram, and create a simple website or registration page. Grassroots: Distribute flyers at local schools, youth league games, and community centers. Email: If you have a list from previous camps or clinics, use it. Set Up Registration: Online System: Use a service like Google Forms to collect information and link to a payment method like Venmo or PayPal for simplicity. For larger camps, consider dedicated services like SportsEngine or CampMinder. Incentivize: Offer an "early bird" discount for those who sign up a month or more in advance to encourage prompt registration. This is where you plan the on-court experience. Develop a Daily Schedule: Create a detailed, hour-by-hour schedule. A balanced schedule prevents kids from getting bored and maximizes engagement. Sample Half-Day Schedule: 9:00 - 9:15: Dynamic Warm-Up & Welcome 9:15 - 10:00: Fundamental Skill Stations (e.g., ball handling, form shooting, passing) 10:00 - 10:45: Competitive Drills & Games (e.g., knockout, 1-on-1, hot shot) 10:45 - 11:00: Snack/Water Break 11:00 - 11:45: Team Concepts & Scrimmaging (3-on-3, 5-on-5) 11:45 - 12:00: Daily Awards & Dismissal Hire and Train Staff: Find Coaches: Reliable high school and college players often make great, energetic coaches. Set Expectations: Hold a pre-camp meeting to review the schedule, rules, and your coaching philosophy. Emphasize energy, positivity, and engagement. Maintain a Good Ratio: Aim for a coach-to-camper ratio of around 1:8 or 1:10 to ensure proper supervision and individual attention. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Do you really need a local financial advisor to manage your money? Geography doesn't matter anymore when it comes to building wealth and securing your financial future. Lance previews this week's Jackson Hole consortium; what will Jerome Powell Infer? Lance Roberts & Jonathan Penn cover the conundrum of local vs virtual financial advisors; how college students are lured by credit card offers, and the dangers of credit accounts. This leads to a discussion of personal budgeting, and how deceptively easy it is to begin a culture of savings; the "B-word" is Budget; the importance of controlling discretionary spending and leakage of money; Lance shares an example by working with an income of only $50k; the surprising result of pre-tax contributions and their impact on income; 401k's vs Roth; the benefits of speaking with a "coach" about money, i.e., a financial advisor. SEG-1a: Jackson Hole Preview - What's the Fed going to do? SEG-1b: Negative Divergences are Increasing SEG-2a: Local vs Virtual Financial Advisors SEG-2b: Do You Need a Financial Advisor? SEG-2c: Getting Started So You Can Save & Invest SEG-2d: Stay Away from Credit Cards SEG-2e: Everything's on a Payment Plan SEG-2f: Addressing the "B-word" (Budgeting) SEG-2g: What's Your Number? SEG-2h: Controlling Your Discretionary Spending SEG-2i: Budgeting w $50k SEG-2j: 401k's vs Roth's SEG-2k: Why Should You Speak With a Financial Advisor? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=yNJaSxQqghA&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=6s -------- Articles mentioned in this report: "Inflation Data Sends Markets To New Highs" https://realinvestmentadvice.com/resources/blog/inflation-data-sends-markets-to-new-highs/ "Excess Bullishness & 10-Rules To Navigate It" https://realinvestmentadvice.com/resources/blog/excess-bullishness-10-rules-to-navigate-it/ ------- The latest installment of our new feature, Before the Bell, "What is Bitcoin Telling Us Now?" is here: http://bit.ly/463MS4b ------- Our previous show is here: "Ten Rules for Navigating Excessive Market Bullishness" https://www.youtube.com/watch?v=ogzk5Y4D7b0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #MarketCorrection #MarketRisk #FinancialAdvisor #VirtualAdvisor #OnlineFinancialPlanning #InvestingTips #PersonalFinance #InvestingAdvice #Money #Investing

Patrick Terry is the CEO and Co-Founder of P. Terry's, based in Austin, TX. Patrick was previously on the show in early 2020 for episode 691. At that time, P. Terry's had 16 locations in and around Austin. Today there are 36 locations. P. Terry's is an old school styled burger shack opened originally in 2005. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends: Marqii Guest contact info:  Website: https://pterrys.com Thanks for listening! Rate the podcast, subscribe, and share! 

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others?It's a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we've missed the heart of generosity—and possibly much more.When Giving Becomes About UsSelf-righteous giving hides behind good behavior. It's giving to feel morally superior. Giving to prove we're spiritually ahead. Giving to show God—or others—that we've “got it right.”Jesus addressed this in Luke 18:“Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.' But the tax collector… said, ‘God, have mercy on me, a sinner.' I tell you that this man, rather than the other, went home justified before God.”The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself.The Heart CheckReligious acts, even impressive ones, can't save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ's finished work.There's nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we've crossed the line. As Deuteronomy 8 reminds us:“Remember the Lord your God, for it is he who gives you the ability to produce wealth…”Everything we have—even the ability to give—comes from Him.Giving That Glorifies GodJesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It's giving that reflects Christ, not ourselves.John the Baptist put it best: “He must increase, but I must decrease.”So, if you notice pride in your giving:Confess it to the Lord. His grace cleanses and corrects.Refocus on gratitude. Remember how much you've been forgiven.Practice hidden generosity. Give anonymously or where no one will notice.Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it's about responding to the One who gave everything for us.On Today's Program, Rob Answers Listener Questions:I'm 52 and currently have about 71% of my 401(k) invested in company stock, which has been generating returns of 30–36%. When and how should I begin diversifying to protect my retirement savings while still benefiting from my company's potential growth?My husband (62) and I (58) are debating whether to start collecting Social Security now. We still run our own business and earn an income, but I'm concerned about how starting Social Security could affect our Medicare coverage. What's the best strategy for our situation?I own and rent out a three-unit apartment building and want to know if there are any advantages to placing the property in an LLC.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Getting out of debt can feel impossible, especially when you're building a therapy practice, managing student loans, and trying to make your work sustainable for the long haul.Jacent Wamala, a licensed marriage and family therapist, financial wellness coach, and founder of Wamala Wellness, joins Michael Fulwiler to share how she paid off nearly $100,000 in debt in just three years. Jacent talks candidly about her journey through divorce, grief, and financial instability, and how those experiences shaped the way she supports other therapists in doing the same.This episode is packed with practical advice and mindset shifts for therapists who want to take control of their finances without sacrificing their mission to help others.In the conversation, they discuss:Why debt payoff is more about mindset than mathHow to create a money plan that aligns with your lifeWhat it means to build a “money team” for your businessConnect with the guest:Jacent on Instagram: https://www.instagram.com/jacentwamala/ Jacent on LinkedIn: https://www.linkedin.com/in/jacent-wamala-aa8baa194/Jacent on YouTube: https://www.youtube.com/channel/UC_i5S1hB1NAe1v2xxg3kUQA Visit the Wamala Wellness website: https://www.wamalawellness.com/ Connect with Michael and Heard:Michael's LinkedIn: https://www.linkedin.com/in/michaelfulwiler/ Newsletter: https://www.joinheard.com/newsletter Book a free consult: joinheard.com/consult Related Webinars: https://www.joinheard.com/events/debt-free-therapist-strategies-for-financial-liberation, https://www.joinheard.com/events/mastering-financial-wellness Episode blog post: https://www.joinheard.com/articles/how-i-paid-off-94-000-in-debt-in-3-years-as-a-marriage-and-family-therapist Jump into the conversation:(00:00) Welcome to Heard Business School(01:20) Meet Jacent Wamala(03:10) Why She's Not a Financial Therapist(03:46) Growing Up Ugandan-American And Moving to Vegas(07:26) The Cost of Grad School Debt(10:07) Divorce, Grief, And Her Financial Turning Point(12:56) Calculating Net Worth Changed Everything(15:24) What Net Worth Really Tells You(19:28) Avoidance vs. Acceptance in Money Mindset(21:22) Budgeting and Setting Clear Debt Goals(23:03) Living Lean to Accelerate Debt Payoff(25:58) Building a Money Team for Support(28:00) It's Mindset, Not Just Math(31:00) Real Therapist Success Story: Alicia's Journey(35:23) Hesitation, Self-Sabotage, And Getting Help(37:10) Raise Your Rates And Restructure Finances(40:19) The Most Common Mistake: Disorganization(44:05) Finance Strategies Must Fit Your Lifestyle(45:58) Debt Payoff Methods Explained(49:21) Using Profit-First To Manage Your BusinessThis episode is to be used for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult their own attorney, business advisor, or tax advisor with respect to matters referenced in this episode.

In this first of our two-part Food & Wine Festival special, Scott and Candice dig deep into the front half of the 2025 EPCOT International Food and Wine Festival. From flaky samosas to suspicious milkshakes, we break down what's new, what's returning, and what's totally skippable. Along the way, you'll hear our festival strategy, hot takes on influencer hype, and why we're not falling for the pickle milkshake trend (again).Plus, we share our Eat to the Beat concert picks (Spoiler: Gen X is THRIVING), how you can help choose Scott's breakfast on social, and why the dining plan may be a double-edged sword when it comes to festival snacking.By the end of this episode, you'll have a full itinerary for navigating World Celebration, Discovery, and Nature – including what's open now, what's delayed until late September, and which booths are just not worth the hype.

Snag Our Simplified Budget System!Hey budget besties — meet Michelle! Her husband is a police officer with a steady paycheck, while she's a hairstylist juggling inconsistent income, business expenses, and taxes (oh, and still trying to make her personal budget work). Sound familiar?In this coaching session, we dive deep into:How to budget when your business income changes every weekWhy separating business income, expenses, and supplies into different accounts creates financial calmThe key difference between bills and spending (hint: it will change how you set up your accounts!)Building a system for saving for taxes, supplies, and business costs — without the last-minute scrambleHow to “pay yourself” a consistent paycheck, even when your income isn't consistentWays to see the big picture of your family's finances (without overspending when you see extra in the account!)Michelle walked away with a clear roadmap: create an income account, separate business and personal money, and finally automate those transfers so her finances feel as steady as her husband's paycheck.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Jim Elliot once wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.”“Generous” might not be the first word that comes to mind when you think about pro athletes, but Kirk Cousins is rewriting that playbook. The three-time Pro Bowl quarterback in the NFL is using his platform—and resources—for eternal impact. Today, we'll hear how his faith shapes everything from football to finances.Kirk Cousins is the starting quarterback for the Atlanta Falcons and a veteran leader in the National Football League (NFL). He previously spent six seasons with the Washington Commanders and six with the Minnesota Vikings. A four-time Pro Bowler and outspoken man of faith, he is also the cofounder of the Julie & Kirk Cousins Foundation, which supports families and youth through faith-based initiatives.A Legacy of Generosity: Lessons from His ParentsGrowing up as a pastor's kid, Cousins remembers how his parents modeled generosity long before he had a bank account of his own.“My mom had the gift of hospitality,” he says. “Even when I didn't think I needed money, she'd hand me two twenties before I went out with friends. There was just this open-handedness.”While his dad managed the family finances with intentionality, it was his mother's willingness to give freely that left the deepest mark. “It was caught, not just taught,” Cousins reflects, emphasizing how their example shaped his understanding of stewardship early on.From Minimum Wage to Signing Bonuses: A Crash Course in StewardshipWhen Cousins was drafted into the NFL, his first check—a six-figure signing bonus—was a wake-up call.“As a college kid who had never earned more than minimum wage, I didn't know what to do,” he recalls. “I called my dad, and he said, ‘I don't know either!'”That moment marked the beginning of a stewardship journey—one that included learning to give, save, and live below his means in a world of excess. It wasn't easy, especially when surrounded by peers embracing a more lavish lifestyle. But Cousins understood that as an athlete, his income had a shorter runway.“You're approaching a cliff,” he says. “So it's scary to give when your career has an end date. But that's where faith comes in—trusting that God will provide beyond your own earning power.”It would be easy, Cousins admits, to treat financial obedience like a checklist—give, save, repeat. But biblical stewardship isn't about rules; it's about surrender.“I've done that—just checked the boxes. But that's not the abundant life Jesus promises. It's not religion, it's relationship.”He points to Jesus' parable of the treasure in the field (Matt. 13:44): “Once you see Jesus as the treasure, everything else becomes a logical response. Of course you'd sell everything to have Him. Stewardship flows from seeing Him clearly.”When Faith Feels Risky: Giving on a Diminishing TimelineThe tension for Cousins lies in balancing the enjoyment of God's provision with wisdom about the future.“I actually enjoy those moments that require more faith. When I give, and I don't know what's next, it puts the pressure back on God—where it belongs.”But he's quick to acknowledge the gray areas. “What's wise versus what's excessive? There's no formula. You have to walk with God and ask for His guidance daily.”One of the most valuable pieces of advice Kirk received early in his career came from a generous mentor: “Always give in unity with your wife.”That advice stuck.“When Julie isn't comfortable, I pause and pray. Her perspective might be the Holy Spirit speaking. Giving together strengthens our marriage and our stewardship.”Cousins sees their giving not only as a financial decision, but as a spiritual discipline of unity and trust.Planning for the Future: Wisdom Before WealthAs parents to young boys, Kirk and Julie have also had to consider how best to plan their estate. They've established a family office to prepare for the future—but with a strong desire to pass on wisdom before wealth.“We want to get to the end of our lives and say: the wisest hands to put this in are our kids'. But we also want to be realistic. If it wouldn't be wise to pass along wealth, we want our plan to reflect that.”Much of their estate will also go to their foundation, which they hope will be spent down soon after their passing. “We don't want it to live on in perpetuity with intentions we never had. We want to make an impact now.”So, where is Kirk Cousins most excited to give right now? The answer goes back to his roots.“I went to a Christian high school—Holland Christian—and it profoundly impacted my life. I want to make it more affordable for other families, support teachers, and strengthen Christian education.”It's a full-circle moment: a public school kid transformed by Christian community, now investing in the same kind of life-shaping environments for others.Final Whistle: A Life Well StewardedKirk Cousins is more than an NFL quarterback. He's a husband, father, and faithful steward who is using his influence to glorify God—not just in the end zone, but in the quiet decisions of budgeting, giving, and planning for the future.His story reminds us: Stewardship is not about how much we have—it's about how faithfully we respond to the One who gave it all.On Today's Program, Rob Answers Listener Questions:I own my home outright and keep hearing about home title protection services. How real is the risk of title fraud, and should I be concerned?I have rental properties in Arkansas, but my kids in California don't want them. I'm worried that when I pass, they'll sell them quickly for way less than they're worth. Should I go ahead and sell them now and put the money in a trust for my grandkids' education—or is there a better option?”Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Julie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us an email @ info@parentcoachesunleashed.com Summary Is it Supporting or Enabling to Help Your Adult Child Live "Independently"?In this episode, Jessica Anger and Carrie Wiesenfeld discuss the complexities of supporting adult children post-college. They explore the balance between providing necessary support and enabling dependency, emphasizing the importance of financial literacy and setting clear boundaries. The conversation highlights the need for open discussions about money management and the expectations parents should have when helping their children transition into independence.TakeawaysIt's important to set boundaries on financial support.Supporting children can sometimes blur the line into enabling.Financial literacy is crucial for young adults.Conversations about money should start early.Every family has unique circumstances regarding support.Clear expectations can prevent misunderstandings.Helping children can foster independence if done correctly.Parents should evaluate their ability to provide support.Budgeting tools can assist young adults in managing finances.Open communication is key to maintaining healthy family dynamics.

In episode 146, Garrett sits down with Christine Acosta, founder of Pedal Power Promoters and co-founder of Walk Bike Tampa, to discuss the future of biking, walking, and safe mobility in Tampa. Christine shares how affordability, infrastructure, and design all intersect when it comes to transportation, why slowing down vehicle speeds matters, and how projects like Bayshore Boulevard and the Green Spine show both the promise and pitfalls of Tampa's approach. From lessons learned abroad to the local fight for safer streets, this conversation breaks down what it will take to build a city that works for everyone, not just cars.0:00:00 - Introduction0:05:23 - Biking in Tampa0:15:30 - Cultural Shift0:20:19 - Flexible transportation0:25:05 - Pedestrians and Cyclists0:38:17 - Budgeting for new projects0:47:17 - SeeClickFix0:57:33 - Urbanism1:02:40 - Desire Paths1:12:40 - Less Car Parking1:17:18 - The Street Car1:23:31 - The "Green Artery" and "Green Spine"

Buying land? Skip the septic due diligence and you could light $30,000–$40,000 on fire. In this episode, host Mac Christian sits down with Tyler Sgro, President & CEO of Davis Horizons (licensed professional soil classifier), and Robert Waddell of National Land Realty to lay out—in plain English—how septic systems make or break raw land purchases. We cut through the hype on septic vs. sewer, conventional (non‑engineered) vs. engineered systems, and the real drivers of cost: soil texture, seasonal high water table/zone of saturation, space constraints, topography, and bedroom count. You'll get a straight answer on the “perc (perk) test” vs. soil test debate (hint: in South Carolina it's a soil classification that matters), plus what actually happens in the drain field, how septic tanks work, and the maintenance that keeps systems from failing. What you'll learn (without the sales pitch): When a lot truly supports a conventional drain field and when you'll need an engineered/pre‑treatment system—and why engineered isn't “bad,” it's just different. Budgeting that doesn't blow up: why a soil test before closing protects you from $30k–$40k surprises; typical pump‑out costs (~$500 every 3–5 years); realistic lifespans (conventional ~30–50 years; treatment systems ~20–30 years). How bedroom count dictates system size (plan for more bedrooms now; you can scale down later) and the regulatory planning number of ~120 gallons/day per bedroom. Mounded fill vs. pre‑treatment: footprint trade‑offs, aesthetics, and costs in shallow‑groundwater or poor‑soil scenarios. Wetlands & permits: when you cannot place a system without a U.S. Army Corps of Engineers wetland fill permit; why setbacks and space—not just acreage—often control feasibility. Common failure points (and how to avoid them): solids getting past the tank, flushing the wrong materials, vacation‑rental usage spikes (barrier‑island problem), and ignoring annual service on advanced treatment units. Replacement realities & regulations: why many replacements are treated as repairs (SC context) and when a new soil look makes sense on older systems. Who this episode is for: land buyers and sellers, agents, builders, homesteaders, developers, investors—anyone evaluating buildable acreage without municipal sewer. Guests: Tyler Sgro, President & CEO, Davis Horizons — a tech‑forward soil services firm operating statewide in South Carolina. Robert Waddell, National Land Realty — 14 years in land sales with a focus on contract contingencies that actually protect buyers. Bottom line: If septic feasibility isn't a top contract contingency, you're gambling with your buildability, your budget, and your timeline.   Davis Horizons Website https://www.davishorizons.com/   National Land Realty https://www.nationalland.com

Episode 603: Zach and Matthew weigh the rewards and risks of stepping away from work for a micro-retirement. Then, they share six practical tips for creating a wedding budget that honors your dreams while protecting your long-term financial goals.

Jennifer Guptill is the Culinary Program Coordinator at Great Bay Community College in Portsmouth, New Hampshire. Evan Mallett is the chef/owner of The Black Trumpet in Portsmouth, New Hampshire. Today we will be talking about creating a progressive culinary program within a secondary education institute in the modern world. The culinary program at Great Bay is less than 2 years old at the time of this episode's publishing. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Email Jennifer: jguptill@ccsnh.edu Website: https://www.greatbay.edu Thanks for listening! Rate the podcast, subscribe, and share! 

Send us a textWhat the heck is Geographic Farming and how can it make you a lot of money?Janine Sasso, a successful real estate agent and author, joins me to discuss this very effective sales strategy for every real estate agent. Janine emphasizes the importance of being a hyper local agent, focusing on geographic farming, and building relationships through direct mail and events. She also discusses the challenges agents face today, including distractions from technology and the need for genuine human connections. Janine provides insights on how to effectively target neighborhoods, budget for marketing, and integrate traditional methods with modern technology to achieve success in real estate sales.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Send us a textShownotes can be found at https://www.profitwithlaw.com/494.Most law firm owners look successful on the outside—busy staff, a nice office, and a steady stream of clients. But behind the scenes, too many are secretly transferring money from personal savings just to cover payroll, running on fumes, and wondering why all their hard work isn't turning into real profit.If you're growing but constantly feel cash poor—or you simply want to take home more from what you earn—this episode is your wake-up call. I'm joined by Leah Miller of Firmly Profits, a former law firm administrator turned fractional CFO who's seen exactly where owners go wrong and how to fix it.Chapters:[00:00] Unlocking hidden profits: Why law firms miss out[04:37] The success illusion: Cash-poor owners & surface metrics[06:13] Leah Miller- owner of Firmly Profits[09:48] Paralegal to CFO: Leah Miller's financial journey[12:35] Top financial mistake law firm owners make[16:00] Budgeting made simple: Realistic goals for growth[19:21] Crushing revenue bottlenecks & inefficiencies[22:30] Sustainable growth: Boost revenue without extra marketing[28:48] Monthly financial review: Metrics every firm needs[30:21] Law firm profit margins: Benchmarks & improvement tipsResources mentioned:Book your FREE strategy session today!: profitwithlaw.com/strategysessionTake the Law Firm Growth Assessment and find out how you rate as a law firm owner! Check out our Profit with Law YouTube channel!Learn more about the Profit with Law Elite Coaching Program hereEpisode 484 - Your Growth Problem Isn't Marketing — It's the Sales Disconnect (with Margarita Eberline)Connect with Leah Miller: Website | LinkedInJoin our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.Connect with Moshe on:Facebook - https://www.facebook.com/moshe.amselLinkedIn - https://www.linkedin.com/in/mosheamsel/

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Episode Summary: Rebecca Shaddix joins Erin and Ken to blow up tired go-to-market tropes and rewrite what it means to lead with product marketing in an AI-native era. She shares the frameworks behind “acceptable mistakes,” why critical thinking is the superpower in a world of noisy AI outputs, and how to avoid chasing 80 experiments that go nowhere. If you're a CMO, PMM, or founder trying to separate signal from AI hype, this is your roadmap. About Our Guest: Rebecca Shaddix is the Head of Product & Lifecycle Marketing at Garner Health, Forbes contributor, and GTM strategy pioneer. She's built GTM engines for high-growth SaaS and EdTech, founded Strategica, and is known for making complex data actionable (without losing trust or speed). Her frameworks are shaping the new AI playbook for marketers who want repeatable results, not just activity. 00:59 Ken's AI Sandwich Framework 04:26 Erin's AI-Powered Book Series 07:10 Interview with Rebecca Shaddix 08:24 Rebecca on Acceptable Mistakes in AI Implementation 17:44 AI's Impact on Product Marketing 23:30 Balancing AI Training and Deep Research 28:41 AI Tools and Budget Constraints 30:32 Navigating the Rapid Evolution of AI in Business 30:59 Balancing Risk and Reward in AI Tool Selection 32:44 Effective Team Collaboration and AI Integration 37:08 Building Trust in AI Insights 45:15 The Future of Product Marketing 54:13 Lightning Round and Final Thoughts   Quote of the Episode: “Trust in AI starts with transparency and ends with collaboration. Bring your teams in early, and let them own the process.” – Rebecca Shaddix

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction00:13 Meet Amber01:05 Traveling with a Large Family on a Budget02:33 Traveling with Young Children: Tips and Tricks03:35 Maximizing Points for Family Travel04:32 Best Airlines and Deals for Family Travel06:14 Strategies for Earning Points11:23 Positioning Flights and Creative Travel Solutions15:11 Maximizing Points Without Credit Cards16:02 Booking Hotels for Large Families18:14 Alternative Accommodation Options19:30 Saving on Excursions and Food21:49 Budgeting and Financial Tools22:49 Balancing Budget, Safety, and Convenience27:05 Coordinating Group Travel29:59 Final Tips for Traveling with Points and MilesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Amber at:➤ Instagram: https://www.instagram.com/amberonpoints/ ➤ Website: https://amberonpoints.com/ Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

In this episode of School Business Insider, we head to the Lone Star State for an honest and engaging conversation with Dr. Tracy Ginsburg, Executive Director of TASBO, and Heather Wilson, TASBO Board President and Assistant Superintendent of College Station ISD.Heather shares her experience transitioning to a new district after nearly two decades in her previous role—discussing what it takes to build culture, relationships, and trust from day one. Tracy reflects on TASBO's role in supporting school business leaders through professional development, peer networking, and legislative advocacy in what they both call a “deficit world.”We dive deep into the current financial pressures facing Texas school districts, the challenges of equitable compensation, and what it takes to lead in times of fiscal uncertainty. Plus, we preview this year's ASBO International Annual Conference & Expo in Fort Worth, Texas, with some local flavor and must-visit spots shared by our Texas insiders.Whether you're a seasoned SBO or just starting out, this episode offers insight, inspiration, and practical wisdom.Contact School Business Insider: Check us out on social media: LinkedIn Twitter (X) Website: https://asbointl.org/SBI Email: podcast@asbointl.org Make sure to like, subscribe and share for more great insider episodes!Disclaimer:The views, thoughts, and opinions expressed are the speaker's own and do not represent the views, thoughts, and opinions of the Association of School Business Officials International. The material and information presented here is for general information purposes only. The "ASBO International" name and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service. The presence of any advertising does not endorse, or imply endorsement of, any products or services by ASBO International.ASBO International is a 501(c)3 nonprofit, nonpartisan organization and does not participate or intervene in any political campaign on behalf of, or in opposition to, any candidate for elective public office. The sharing of news or information concerning public policy issues or political campaigns and candidates are not, and should not be construed as, endorsements by ASBO Internatio...

In this episode of the Prosperity Podcast, we discuss the “No Buy 2025” movement and why it contrasts with true prosperity thinking. Discover sustainable financial strategies beyond restrictive budgeting. Perfect for anyone seeking lasting financial freedom!. Prosperity Thinkers is proud to be an affiliate of the transformative Gravy Stack movement, helping individuals around the world unlock their potential and achieve financial freedom. By providing resources, tools, and mentorship, we contribute to creating a culture of abundance, possibility, and growth. Please note, that as an affiliate, we may receive compensation for our efforts. Our collaboration, however, goes beyond financial arrangements; we truly believe in the power of the Gravy Stack movement to change lives and foster prosperity. Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Thinkers' thinking and strategies today! Do you have a question you would like answered on the show? Please send it to us at hello@prosperitythinkers.com and we may answer it in an upcoming episode.   Links and Resources from this Episode https://consent.yahoo.com/v2/collectConsent?sessionId=3_cc-session_363d9079-4804-429f-bc20-e878550a5a60  For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://prosperitythinkers.com/action/  https://www.youtube.com/@KimDHButler https://prosperityparents.com/    Show Notes Contradiction with prosperity thinking. Budgeting versus prosperity economics. The importance of monetary sustainability. The concept of cashflow control. The velocity of money in personal finance. Personal story of financial stuckness and Kiva.org. Separating earned income from expenses. The power of a separate account for income. Staging a financial intervention. Importance of systems over willpower. How to get help with implementing cashflow systems. Special Listener Gift Free eBook: Activating Your Prosperity Guide.   Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes RSS  

Jae Kim is the Founder and CEO of Chi'Lantro, based in Austin, TX. Jae Kim was previously on the show for episode 701 in 2020 when Chi'Lantro was up to 8 locations. Today, after gaining some investment from Chewy, the Korean BBQ concept has scaled to 13 locations and entered into the Houston market.  Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  Paytronix Guest contact info:  Website: https://dppremiumbeef.com/ Instagram: @jaekim_chi & @chilantro Thanks for listening! Rate the podcast, subscribe, and share! 

Have you ever used your giving to steer decisions or send a message?It might seem harmless—or even wise—to designate your gift to specific ministries or withhold it when you disagree with leadership. But when our generosity becomes a tool for control, we've crossed a line. In this episode, we'll explore the subtle danger of using giving as leverage—and discover a better way rooted in surrender and trust.A Hidden Temptation in Church GivingLet's be honest—no one likes the word control when it's pointed at them. But in church life, this temptation surfaces more often than we'd like to admit.It might look like this:Giving only to certain ministries because you don't trust how the church allocates general funds.Withholding your giving when a leadership decision—like a staffing change or budget shift—doesn't sit well with you.Designating gifts to specific areas, not out of passion, but as a form of protest.On the surface, it may look like good financial stewardship. But beneath the surface, it's often an attempt to say, “I want things to go my way, and I'll use my money to make that happen.”That's not generosity. That's leverage. And Scripture warns us against it.The Corban Example: A Heart Check from JesusIn Mark 7, Jesus confronts the Pharisees for misusing a practice called Corban—a method of dedicating money or resources to God. While it sounded spiritual, the religious leaders were using it to dodge their responsibility to care for aging parents.As GotQuestions.org explains:“The Pharisees took a legitimate Corban offering and used it in an illegitimate and devious way to defraud their parents…Jesus tells the Pharisees that their misuse of Corban was an evil rationale to avoid doing what they should.”It wasn't the gift itself that Jesus condemned—it was the motive behind it.In the same way, when we give to maintain control or push our preferences, we're following the spirit of Corban. Even if our reasons sound righteous, they can mask a deeper issue: an unwillingness to surrender.From Leverage to Surrender: The Biblical CallThe Bible offers a better vision.Psalm 24:1 reminds us,“The earth is the Lord's, and everything in it.”That includes our finances. We don't give to direct the church. We give because God owns it all—and calls us to steward it faithfully.Consider the example in Acts 4. Believers sold land and possessions, then laid the proceeds at the apostles' feet. No strings attached. No demands were made about how it was to be used. Just trust, unity, and wholehearted surrender.Of course, that doesn't mean churches shouldn't be transparent or held accountable. Scripture calls leaders to wise and faithful stewardship. But giving with strings isn't about accountability—it's about control. And control is the opposite of trust.What's Driving Your Generosity?Ask yourself: What's driving my giving?Is it love for God?Faith in His provision?Worship and gratitude?Or is it something else?Preference?Power?Payback?When giving becomes conditional, it's no longer cheerful—it's contractual. We treat God's work like a business deal instead of a spiritual act of worship.But when we let go of control, something beautiful happens: we find peace. We no longer feel the pressure to manage every church decision. We can give freely, knowing God is at work—even when His ways don't align with our expectations.Moving Forward in Trust and GraceIf you realize that control has been influencing your giving, here are three steps to take:1. Confess it to the Lord. God is gracious and patient. Ask Him to realign your heart with His and help you give from a place of surrender.2. Release your preferences. You don't have to stop asking questions or seeking transparency. But your generosity shouldn't be tied to your personal comfort or preferences.3. Give with trust. Trust God's ability to work through imperfect people. Trust that when you give with the right heart, your gift brings Him glory.Because when we give to control, we place ourselves at the center. But when we give in faith, we put God at the center—where He belongs.A Resource for the JourneyWant to go deeper into the heart behind generosity? Request a copy of Faithful Steward, our quarterly magazine for FaithFi Partners. With a gift of $35/month or $400 annually, you'll receive this encouraging resource and join a growing community committed to biblical financial wisdom.Learn more at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:My husband's adult son often asks us for money. He and his wife are behind on their bills, but we know they also spend on partying and things like marijuana. My husband feels emotionally pulled in, especially when his son talks about possibly losing their home. We want to be generous, but we don't want to enable irresponsible behavior. How can we approach this situation in a way that's wise and biblical?I'd like to assign someone as my power of attorney, but I don't have any family members I trust to take on that role. What options do I have in this situation?Is it wise to purchase life insurance for your children or grandchildren? What are the pros and cons?I'm thinking about getting a reverse mortgage to create some extra income. Can you explain how they work, and whether they're a good idea? I'd also like to know what risks or downsides I should be aware of.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In episode 287, Prep Dish founder Allison Schaaf discusses 4 tips to help you with your food budget and what to assess in your kitchen right now as we head into fall and a new school year. Costco Episodes - #67 & #135 Want 2 weeks of FREE Prep Dish meal plans, including our Super Fast meal plans? Go to → PrepDish.com/MPM Join us on social media- Prep Dish Meal Planning (Gluten Free, Paleo & Keto) | Facebook Instagram (@prepdish) Get 14 days of FREE Prep Dish meal plans → PrepDish.com/MPM

This episode of We Create The Vibes Podcast provides a comprehensive guide for aspiring DJs looking to start their careers in 2025. It covers essential gear, software, skill-building, and the various costs associated with becoming a DJ. The host emphasizes the importance of budgeting, practice, and making smart investments to build a successful DJ career without overspending.TakeawaysHow much does it really cost to start DJing?You can find solid beginner options anywhere from a hundred dollars to 600.You might not even have to go the vinyl route.You can grab yourself a decent pair of DJ headphones for about 50 to 100 dollars.Your setup realistically may look around anywhere from $350 to $800.You really got to practice and YouTube is really great for that.Things can add up quickly.Building a website might cost you around maybe $100 to 200 a year.You can get no, my insurance plan. think it's 300 a year.Expect to spend anywhere around $400 to $1,000 upfront.Chapters00:00 Introduction to DJing in 202500:21 Essential Gear for Beginners05:35 Building Skills and Education10:48 Budgeting for Your DJ CareerSupport this podcast at — https://redcircle.com/we-create-the-vibes-podcast/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

“The way of a fool is right in his own eyes, but a wise man listens to advice.” — Proverbs 12:15Wise financial decisions don't happen in a vacuum—they often require wise counsel. But how do you know if the person giving you advice shares your convictions and values? Brian Cochran joins us today to explore how biblical wisdom should shape not just our decisions, but the voices we trust.Brian Cochran is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and also serves as the Chief Stewardship Officer at John Moore Associates. The “Why” Shapes EverythingAt John Moore Associates, a recently celebrated milestone tells a powerful story—over $50 million in charitable giving facilitated through the families they serve. This achievement isn't about accolades or financial performance. It reflects a deeper belief: money is a gift from God, but it was never meant to be the ultimate goal for an individual. It's a tool designed for Kingdom impact.Certified Kingdom Advisors® take a distinct approach to financial planning. While they certainly aim to help clients grow their wealth, they are equally—if not more—committed to helping them give it away with wisdom and purpose. The core question isn't just, “How can you accumulate more?” but, “How can you steward it more faithfully?”Their mission is to walk alongside families and help them become wise and generous stewards of the resources God has entrusted to them. That vision informs every client meeting, every piece of advice, and every long-term strategy. They don't see themselves merely as business professionals—they see themselves as called to influence families toward biblically grounded financial decisions that reflect God's character and priorities.They refer to this role as being “stewards of stewards.” Their job is to help others manage God's money in a way that aligns with His will—not just to build bigger portfolios, but to foster hearts that reflect His generosity.The Art of Financial PlanningAlthough financial planning encompasses technical elements such as taxes, investments, and estate strategies, it is far more than just numbers. Financial planning is as much an art as it is a science.That's because personal values, priorities, and convictions ultimately shape every financial decision. Two families with identical balance sheets may receive vastly different advice depending on the worldview and values of their advisor. Even the most technically sound recommendations can lead a client astray if they don't align with their faith or purpose.Families excited to step into greater generosity have occasionally faced resistance—not from financial limitations, but from professionals who didn't understand why anyone would want to give so much away. Similarly, some clients have discovered their portfolios include investments in industries that conflict with their convictions, such as pornography, abortion, or addictive products. These disconnects are more common than many realize.When an advisor doesn't understand a client's “why,” they may unintentionally work against it.When Values AlignBy contrast, working with an advisor who shares a client's biblical values can be transformational. Rather than resist generosity, they champion it. They help clients move beyond conventional financial goals and pursue eternal ones—cheering them on as they give, invest, and plan with Kingdom purpose.This values alignment also fosters deeper conversations about contentment and purpose. Advisors who understand the biblical call to stewardship help clients shift from an accumulation mindset to one that asks, “How much is enough?” That change can lead to greater peace, joy, and impact.It also affects how clients invest. With the guidance of a biblically aligned advisor, many discover new confidence and clarity by investing in companies or funds that reflect their values. In many cases, clients feel more engaged and excited knowing that their investments are not only earning a return but also honoring God.Questions to Ask a Potential AdvisorFor those seeking this kind of partnership, here are a few essential questions to ask any prospective advisor:What are your core values, both personally and as a firm?How do those values shape the way you serve your clients?How do you define success in a client relationship?How are you compensated? Are there any potential conflicts of interest?Most importantly: How will your advice support and strengthen my faith?These questions open the door to alignment—and can help avoid unnecessary confusion or compromise down the road.Many Christians are already working with an advisor, but over time begin to sense that their values may not fully align. That tension shouldn't be ignored. It may be time to ask the same questions listed above. If the answers fall short, it might be wise to explore a new advisor who shares a biblical worldview.Though changing advisors can feel daunting, staying with one who doesn't understand or support a client's convictions may come at a greater cost.A Higher Calling in Financial AdviceUltimately, stewardship is at the heart of every financial decision. Money is not just a personal asset—it's a divine responsibility. A truly aligned financial advisor serves not just as a guide for wealth management but also as a partner in helping Christians honor God with all that He has entrusted to them.For those looking to take that next step with confidence, a nationwide directory of Certified Kingdom Advisors is available at FaithFi.com. Just click Find a Professional to connect with an advisor who shares biblical values and a Kingdom-focused approach to financial planning.On Today's Program, Rob Answers Listener Questions:I'm 70 and considering an annuity to add more stability to my portfolio. Can you explain the pros and cons? I'm looking for guaranteed income and want to diversify beyond my current investments in silver, stocks, and bonds.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)John Moore AssociatesWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

It's summer rebroadcast season! Ok, let's get this out of the way: We're big fans of You Need a Budget. Like, huge fans. Massive, life-changing kind of product fans. So you can imagine that we're a bit beside ourselves this week.See, for someone who has had struggles with money in the past, discovering a tool that has the capacity to rewire your brain around budgeting and spending is a pretty big deal™. That's YNAB, a budgeting tool like no other. Even better, while the team had not intention to make a budgeting tool that can work for folks with ADHD brains, for a lot of us, they did just that.Jesse Mecham is the Founder of YNAB and personal finance expert. He hosts the You Need A Budget Podcast, the Beginning Balance Podcast and is the Wall Street Journal best-selling author of the book of the same name, You Need A Budget. The Smart Money Mama herself, Chelsea Brennan, introduced us to YNAB in 2020 and the tool quickly landed at the top of our list of favorite, life-changing services, so Jesse is here not only as a budgeting guy we think you might like to meet, but because we are legit fans.YNAB isn't a sponsor of this show, but we encourage you to visit right away and sign up for their 34-day free trial and see how it works for you. (00:36) - Welcome to The ADHD Podcast (03:20) - Support the Show: Become a Patron at Patreon.com/TheADHDPodcast (06:21) - Introducing Jesse Mecham (13:37) - The Tenses of Money (16:37) - The Four Rules (17:35) - 1. Giving Every Dollar a Job (20:39) - 2. Embrace your True Expenses (25:45) - 3. Role with the Punches (26:57) - 4. Aging Your Money (30:07) - The Elusive Emergency Fund (33:27) - What if you hate "Budgeting" (34:57) - Your Credit Card and You (39:23) - What if you're overwhelmed? (43:11) - YNAB as a Couple (46:26) - Kids

Kelly Mirabella is an award-winning digital marketing educator and consultant, and the owner of Stellar Media Marketing. She has been in the digital marketing space for 17 years and started her business, Stellar Media Marketing, 15 years ago. This workshop covers Using AI For Chatbots in Restaurants with expert Charles Internicola. Workshops can be found every Thursday in the Restaurant Unstoppable podcast feed or on YouTube. Most have a visual component, so consider watching the video version here. Join the RUNetwork to take part in workshops and ask the experts YOUR questions! Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  Connect with Kelly here Website: https://www.stellarmediamarketing.com On all social media: @stellar247 Guest contact info:  Website: https://dppremiumbeef.com/ Thanks for listening! Rate the podcast, subscribe, and share! 

In this episode of the No Film School Podcast, GG Hawkins sits down with powerhouse writing and showrunning duo Nick Stoller and Francesca Delbanco. The married couple behind hit shows like Friends from College and Platonic discuss the nuances of building a creative career, collaborating with your spouse, and navigating the demands of leading a TV series. They reflect on how their individual writing journeys led them to a shared path, how they approach leadership and tone in a writer's room, and what makes Platonic so personal and relatable. Plus, GG and Jason dive into practical festival PR tips and how to plan for distribution after your film is finished. In this episode, No Film School's GG Hawkins and guests Nick Stoller & Francesca Delbanco discuss... How Nick and Francesca transitioned from individual careers to a collaborative creative partnership The inspiration and evolution behind Platonic, now in its second season on Apple TV+ Balancing marriage, parenthood, and co-showrunning duties What makes a second season creatively different—and sometimes harder—than a first The dynamics of a writer's room and the importance of hiring the right voices How to sustain a long-term creative career by following your passions Tactical PR strategies for filmmakers hitting the festival circuit Budgeting for buyer vs. non-buyer film festivals and why it matters Memorable Quotes: "I always say TV and movies are hard to make. There's no reason that you shouldn't try to make it fun." "We both worry about 100 percent of the process together at all times." "Your voice is really all you have as a writer. So make it as specific to you as you possibly can." "When you run out of ideas, that's when the best ideas come.” Guests: Nicholas Stoller Francesca Delbanco Resources: I Really Love My Husband – Instagram I Really Love My Husband Screening w/ In-Person Q&A Find No Film School everywhere: On the Web: No Film School Facebook: No Film School on Facebook Twitter: No Film School on Twitter YouTube: No Film School on YouTube Instagram: No Film School on Instagram  

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings.The numbers are alarming, but they don't have to define your future.Laying the Foundation: Live on Less Than You EarnBefore we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It's the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it's easy to drift. But a budget anchors your finances and gives every dollar a purpose.That's where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values.Proverbs 6:6–8 urges us:“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.”The ant doesn't wait for a crisis—it stores up in advance. That's what budgeting does. It's not about restriction; it's about preparation and wisdom.Why Investing Comes NextOnce you've created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest.As Proverbs 21:5 (TLB) says:“Steady plodding brings prosperity; hasty speculation brings poverty.”Wise investing isn't about chasing trends—it's about faithful, consistent action over time.Maybe you're thinking, “I don't make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you'll have over $300,000 by age 65. That's the power of small, faithful steps over time.And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge.Wealth With a Purpose: Stewardship, Not Self-SufficiencyRemember: financial freedom isn't independence from God—it's dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”God doesn't call us to perfection—He calls us to faithful stewardship.Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God's Kingdom work—not just provide for ourselves. So if you're feeling stuck, start small:Build a budgetCreate marginSave a littleInvest a littleTrust God with the processOver time, you'll be amazed at what He can do through your faithfulness.On Today's Program, Rob Answers Listener Questions:My friend is interested in investing directly in Israel's stock market—how would they go about doing that? Additionally, I'm 83 years old and own a home valued at $360,000. I need to replace the iron pipes, which could cost between $35,000 and $51,000. At my age, what are my options for financing a project like this?My 66-year-old brother wants to set aside money to care for his adult autistic son, who currently lives in a group home. What's the best way for him to save and plan financially for his son's future care after he's gone?I'm 70, working full-time, and receiving Social Security, but I have no savings. My wife and I have been married for 50 years, but she refuses to save. What guidance can you offer for improving our financial situation at this stage in life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan's Israel Common Values Mutual FundWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Tonya Schulte from The Profit Constructors kicks off an exciting new series on budgeting and estimating for construction jobs. She's reaching out to YOU—contractors, estimators, and business owners—to find out what your biggest struggles are when it comes to job budgeting.

Snag Our Simplified Budget System!Hey, Budget Besties!

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Ryan Alexander, a credit expert who shares his insights on building and leveraging credit for financial success. Ryan emphasizes the importance of understanding the credit system, budgeting, and maintaining a good credit score. He provides practical tips for managing credit cards, raising credit scores, and using credit to create financial opportunities. Ryan also shares his personal journey from being broke to becoming a successful educator in the credit space, highlighting the mindset shifts necessary for financial growth. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Struggling to stick to your budget?

Caz Mooney from the 'Irish Budgeting' social media account joins Brendan with her favourite tips and tricks for keeping your household on budget

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Mary Ellen and The Wonderland on Points Podcast03:35 First redemptions and early mistakes booking via portals04:30 Switzerland trip that convinced her husband of points value08:00 Flights overview – Air France business class with Amex MR09:25 Return flights – Iberia business class via Madrid + transfer bonus10:45 Layover in Madrid and surprising their son with a soccer jersey11:45 Using positioning flights within Europe with no extra points12:45 Why Air France is family-friendly13:30 Hotel 1: Lausanne Palace via Amex Fine Hotels & Resorts14:55 Hotel 2: Interlaken hotel with Capital One credit15:55 Hotel 3: Paid using Hotels.com gift cards via Fetch16:20 Hotel 4: Mount Pilatus mountaintop splurge 17:35 Hotel 5: Zurich Hyatt Place using Chase points17:55 Using maxfhr.com and strategy for choosing $200/night 19:25 Capital One Travel portal tips & 10x point earnings21:45 Upcoming France trip booked with Capital One Travel22:15 How she earned $200+ in Hotels.com gift cards via Fetch23:00 Fetch strategies – referrals, receipts, game hacks24:00 Fetch = free Starbucks or long-term savings for travel25:45 How they avoid budget blowouts by prepping menus and prices26:45 Using Swiss Travel Pass to cover transport and museums27:45 Saving on rainy day activities with free museum access28:25 Budgeting for big excursions like paragliding29:20 Paragliding Interlaken – why they picked a reputable company30:30 Don't skimp on safety with skydiving, LASIK, or paragliding31:15 Visiting Crash Landing on You K-drama filming locations32:45 How the show created a tourism boom in Switzerland33:30 K-drama favorites: Extraordinary Attorney Woo, Vincenzo, Good Boy34:20 Final tip: pick a dream trip to guide your points strategy35:00 Where to find Mary Ellen online and request her Switzerland itinerary35:45 Closing reflection and full-circle podcast momentYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelYou can find the Wonderland on Points Podcast at:➤ YouTube: https://www.youtube.com/@WonderlandonPointsPodcast Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Have you ever faced an upcoming surgery—not just anxious about the procedure itself, but also wondering how you'll cover the cost?Imagine if someone stepped in to guide you through the process, coordinating the details and helping you navigate the expenses. Good news: that kind of support is available, and Lauren Gajdek is here to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. A New Offering: The Complete Surgical Care SolutionAs the nation's longest-serving faith-based health cost-sharing ministry, CHM has helped Christian families with over $12 billion in medical bills over the past 40 years. CHM operates as a biblically based nonprofit organization, offering believers a unique way to meet healthcare needs—through the power of community, compassion, and cost-sharing.At no additional cost to members, CHM has launched a groundbreaking program called the Complete Surgical Care Solution (CSCS). This service guides members through the entire process of having surgery or a medical procedure—from finding the right surgeon to managing paperwork and bills.It's a “curated experience” designed to walk alongside members during a challenging time. It's personalized, turnkey, and stress-free—requiring nothing more than active CHM membership.A Real-Life Story: Chloe's Journey to HealingChloe is a teenage softball player who struggled with recurring hip and leg pain. When surgery was recommended, her family turned to CHM and its surgical solution program.Through CHM's help, Chloe was connected with a top-quality surgeon for a hip replacement. The ministry even covered some of the family's travel expenses. Ultimately, CHM covered more than $145,000 in eligible medical bills. Plus, Chloe's family received a $1,250 credit toward their out-of-pocket costs.The family described the entire experience as feeling like they were “surrounded by family.” That's the kind of ministry CHM strives to be.How to QualifyThe process is simple. Members need:A diagnosis from a healthcare providerA recommendation for surgeryIf the procedure qualifies, members can reach out directly to CHM—and from there, the ministry handles the rest.Whether you're facing a surgery or seeking a faith-based alternative to traditional insurance, CHM offers compassionate, biblically grounded support every step of the way.Visit CHMinistries.org/FaithFi to explore CHM's offerings and see how this ministry can walk with you through life's medical challenges.On Today's Program, Rob Answers Listener Questions:I'm in danger of losing my home. The mortgage company offered me a forbearance and a loan modification, but I still can't afford the payments. Now they're telling me to wait for a denial and reapply, but I'm concerned they might be pushing toward foreclosure since there's a lot of equity in the home. What are my options?I'm the executor of my parents' estate, which was settled about three years ago. How long do I need to keep the estate's tax returns and supporting documents?My daughter and her husband want to buy a house, but their credit has been affected due to some late car payments. They've asked me to cosign the mortgage. I love them and want to support them, but I'm not sure if cosigning is the right move. What should I consider?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)CHM's Complete Surgical Care Solution (CSCS)HUD.gov (U.S. Department of Housing and Urban Development)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Tyler Tech Podcast, we examine what it really means to modernize public sector budgeting in today's fast-changing world. Recorded live at the Tyler Connect conference in San Antonio, this conversation brings together three thought leaders helping governments drive more transparent, agile, and priority-based financial planning.Chris Fabian, senior director of product strategy for priority based budgeting at Tyler; Liz Steward, vice president of marketing and research at Envisio; and Nick Mastronardi, CEO of Polco, discuss the Government Finance Officers Association's (GFOA) Rethinking Budgeting Initiative. Together, they explore how governments can align resources with community priorities, track impact through performance data, and close the feedback loop with meaningful resident engagement.With real-world examples throughout the conversation, this episode spotlights how budgeting innovation is already taking shape — and how collaboration between technology providers and public finance leaders is driving meaningful progress.Tune in to discover how priority-based budgeting, strategic planning, and data-informed decision-making are shaping a more resilient and trusted public sector.This episode also features a spotlight on City Hall Selfie Day — a nationwide celebration of civic pride and local government heroes hosted by ELGL. Learn how to get involved on August 12 and show your support for public service in a creative and memorable way.And learn more about the topics discussed in this episode with these resources:Download: How Priority Based Budgeting Saved Money in a Florida CountyDownload: How Does Priority Based Budgeting Optimize ROI?Download: Aligning Budgets With PrioritiesDownload: Priority Based Budgeting Matches Spending to PrioritiesDownload: How Priority Based Budgeting Benefits Liberty Lake, WashingtonBlog: Priority Based Budgeting's Growing ImpactBlog: The Budgeting Process: Governments Find Power in AITyler in the News: Tyler, Envisio Partner on Priority Based Budgeting SoftwarePodcast: Reimagining Government With Priority Based BudgetingListen to other episodes of the podcast.Let us know what you think about the Tyler Tech Podcast in this survey!

Double Your Profit Day 5: Zero-Based Budgeting for Home Service Businesses, Contractors, and Small Business OwnersWelcome to Day 5 of the "Double Your Profit" 30-Day Challenge — your go-to business growth series for home service business owners, contractors, and small business entrepreneurs looking to boost profit margins fast.Today's strategy? Zero-based budgeting — one of the most powerful financial tools for HVAC companies, plumbing businesses, electrical contractors, cleaning service operators, and anyone in the trades or service-based industries.

Dustin Dean is the Co-Founder of Dean & Peeler Premium Angus Beef in Floresville, TX. Dean & Peeler Premium Angus Beef is a cattle ranch focused on producing high-quality Angus beef, emphasizing animal welfare and traceability from pasture to plate. They are a family-owned operation with a commitment to consistency and a "responsibly raised" approach to cattle management.  Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. Marqii - Marqii helps restaurants manage online listings, menus, and reviews from one platform. It saves time, improves SEO, ensures menu accuracy across channels, and boosts customer trust. With automated updates and reputation management, Marqii streamlines digital presence and enhances discoverability. All listeners get 15% off the sticker price of any Marqii package - that's more than a month free! Only when you use our links: http://www.restaurantunstoppable.com/Marqii  Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  US Foods Low Carbon Technologies Guest contact info:  Website: https://dppremiumbeef.com/ Thanks for listening! Rate the podcast, subscribe, and share! 

Earlier this year, FaithFi had the opportunity to sit down with Tim Tebow—Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation. But this wasn't a conversation about championships or accolades. Instead, it focused on the moments that most people would rather forget—the painful setbacks that God can use to shape something far greater than we could ever have imagined.Tim Tebow is a Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation, a nonprofit organization dedicated to serving vulnerable children and individuals with disabilities through initiatives such as Night to Shine, orphan care, medical outreach, anti-human trafficking efforts, and support for children with profound medical needs.The Loss That Sparked a PromiseOne of those moments came during the 2008 college football season, when the University of Florida suffered an unexpected loss to Ole Miss. It's a game many fans remember, but for Tebow, it was deeply personal.As the team's quarterback and leader, he took responsibility—not just for the plays on the field, but for the team's mindset, culture, and lack of focus. “We thought we had it in the bag,” he recalled. But after falling behind and ultimately missing a critical extra point, the Gators were handed a humbling defeat.That moment set the stage for what became one of the most iconic press conferences in college football history—Tebow's passionate promise that the team would never be outworked again. What few saw, however, was the deeper soul-searching that happened behind the scenes. It was a moment of internal reckoning and spiritual clarity.Released, Then RedirectedA more recent setback came in 2021, when Tebow signed with the Jacksonville Jaguars and was released after just one preseason game. “I knew all the right truths,” he said, “but I wasn't fully living them out. My ego was wrapped up in it.”Shortly afterward, news broke of the U.S. military's withdrawal from Afghanistan, triggering a humanitarian crisis. As the situation unfolded, the Tim Tebow Foundation mobilized to respond. Tim flew to the Middle East, where he spent time serving in a refugee camp amidst chaos and suffering.Looking back, he sees God's timing clearly. “If I hadn't been cut, I wouldn't have been there. I wouldn't have been free to do what I was really called to do—care for the most vulnerable.” What looked like a professional failure turned out to be a divine redirection.A Calling Rooted in CompassionThe heart behind the Tim Tebow Foundation was planted years earlier, when a 15-year-old Tim met a boy in the jungles of the Philippines. The boy had been born with his feet on backwards and was viewed by many as cursed or disposable.“I knew God didn't see him that way,” Tim said. “But I also felt like God was asking me, ‘If you know this boy matters to Me, what are you going to do about it?'”That moment became the driving force behind the foundation's mission: to bring faith, hope, and love to those in need of a brighter day in their darkest hour. Today, that mission plays out through global efforts in orphan care, anti-human trafficking, medical outreach, and Night to Shine—a worldwide prom event celebrating individuals with special needs.From Success to Eternal SignificanceTebow also offered a powerful challenge: What are we really chasing—success or significance?“Success is about us. Significance is about others. But in God's economy, He allows us to turn our success—our platform, influence, and resources—into something that matters eternally.”He referenced Proverbs 29:2: “When the righteous flourish, the people rejoice.” The question becomes, are our achievements causing others to rejoice, or are they only benefiting ourselves?This mindset starts with a proper view of ownership. “If we believe what we have is ours, we'll hold it tightly. But if we believe it's God's, we'll live open-handed. We're stewards, not owners.”And when it comes to investing, Tebow offered a new take on ROI: “What if ROI didn't just mean ‘return on investment,' but ‘rescuing of image-bearers'? Spiritually, emotionally, eternally—investing in people who matter to God.”To anyone in the middle of a setback, Tebow pointed to a deep truth rooted in Scripture: “Do you really believe that God works all things together for good?” (Romans 8:28). Even this heartbreak? Even this moment?He reminded listeners that God is near to the brokenhearted (Psalm 34:18), and when we can't understand His plan, we can still trust His heart—because His love has already been proven at the cross.On Today's Program, Rob Answers Listener Questions:My husband and I own a condo that we're planning to move out of soon. We're considering two options: renting it out or selling it, which could bring in around $100,000 in profit. Would it be wiser to sell and invest the proceeds or hold onto it as a rental property?My wife has a beneficiary IRA worth approximately $108,000, and she has been required to take distributions from it. I'm trying to understand how a beneficiary IRA differs from a traditional IRA, especially when it comes to how it's managed. Also, she's turning 62 in November—does that milestone change anything about how we should approach this account?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Tim Tebow FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, Jeff Smith and Shawn Rider dive into financial management strategies that are key to achieving long-term wealth. They discuss the importance of controlling lifestyle changes, avoiding lifestyle creep, and strategically planning new income sources. The conversation also highlights the significance of living below your means and using money as a tool to improve life quality. Stay tuned for their upcoming Financial Foundations course to help you build a solid financial base.Chapters00:00 Summer Adventures and Family Celebrations01:09 Navigating Financial Transitions02:52 The Importance of Strategic Cash Flow Management05:16 Deploying Money Effectively08:53 Living Below Your Means for Future Gains12:32 Building Financial Foundations16:25 Money as a Tool for Life Improvement

On this episode of CFO at Home, Vince·s guest is Paris Cluff, a Certified Financial Educator and Coach. Paris shares his journey from a corporate career, to becoming a financial advisor and educator, all while navigating his own personal financial setbacks during the 2008 economic downturn. He candidly discusses the challenges he encountered, and how those experiences reshaped his approach to personal finance. Paris emphasizes the importance of managing, protecting, and growing wealth, and shares valuable lessons learned, including the necessity of having an emergency fund and tracking expenses effectively. Check out the conversation and discover how Paris transformed his financial philosophy, and how you can apply his lessons learned to your own financial journey. For more insights and resources, visit pariscluff.com. Key Topics: Paris's Journey from Corporate Employee to Financial Educator Facing Financial Hardship: Lessons Learned The Importance of Emergency Funds Managing, Protecting, and Growing Wealth Tracking Expenses: The Key to Financial Awareness The Transition from Budgeting to Cash Flow Statements Key Links ParisCluff.com Paris Cluff (@pariscluff) • Instagram photos and videos https://www.facebook.com/pariscluff Paris Cluff - Owner - Financial Self-Reliance | LinkedIn Paris Cluff (@pariscluff) | TikTok Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

When it comes to money, most people are searching for two things: security and peace of mind. That's understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn't found in your circumstances at all?Financial wisdom doesn't start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.”If you chase peace through your paycheck or portfolio, you'll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward.Five Secrets to Financial Wisdom from God's Word1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord's, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we're not owners; we're stewards, entrusted with God's resources to manage faithfully.2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God's priorities—giving, saving, living within your means, and investing in eternal impact.3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God's calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better.4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn't about hoarding; it's preparation for what God might have ahead. But remember: your security isn't in your savings—it's in the Savior.5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God's heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.”Anchored in ChristFollowing these biblical principles won't guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you're anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.”So if you're looking for security or peace, don't start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough.On Today's Program, Rob Answers Listener Questions:My deceased friend's estate is in probate, and he owned an LLC registered in another state. I've been told that if a new manager isn't appointed, the LLC will be considered closed after 90 days. Once my friend's family receives the letters of instruction, how should they go about settling or managing the LLC?I'm struggling financially and can't make this month's mortgage payment. My lender has offered two options: a repayment plan and a forbearance. What's the difference between them, and how will each option affect my credit score?My husband is switching jobs, and his current 401(k) has a balance of less than $500. His new employer doesn't offer a retirement plan. What are our best options for what to do with this small amount?My son is thinking about filing for bankruptcy, but still hopes to buy a house sometime in the future. How will bankruptcy impact his credit, and realistically, how long will it take for him to be able to qualify for a mortgage again?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

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

Do you work to live…or live to work? For many, the answer is simple: “I work to make a living.”But what if there's more to work than just earning a paycheck? Could it be that work holds deeper meaning—something essential to who we are and how we're made? David Bahnsen joins us today to offer a perspective on work you might not have considered.David Bahnsen is the Founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm managing over $7 billion in client assets. He is a frequent guest on CNBC, Bloomberg, Fox News, and Fox Business. He is also the author of Full Time: Work and the Meaning of Life. Rethinking Work and IdentityWe live in a world that often tells us our identity has nothing to do with our work. Unfortunately, that idea has not only crept into culture but also into the church. But let's be honest: that's simply not true. Our identity is tied to our work—not in the sense that a job title defines us, but because we are made in the image of a working God.We all instinctively know this. We don't look at someone who is contributing meaningfully to society and compare them equally to someone who spends every day in idleness. That's not about transactional worth—it's about reflecting the nature of our Creator. God created us to be productive, useful, and active. That's not a controversial claim. It's Genesis 1. Work isn't all of who we are, but it is a vital part of who we were created to be.Too often, we treat faith like an add-on. We make decisions about money, career, education, even family, and then sprinkle a few Bible verses on top. But the goal isn't to balance faith and work—it's to integrate them. That begins by grounding our understanding of work in a creational theology: God made work good.What we need in the church is not more dichotomy between sacred and secular, but an integrated vision that sees every good job—yes, even spreadsheets, sales, and software—as part of God's design. This mindset shift must begin in our pulpits. Our congregations need to hear that their Monday through Friday labor is not second-tier spiritual activity. It is sacred.The Relationship Between Work and RestInstead of chasing a “work-life balance,” Scripture offers a “work-rest paradigm.” God modeled six days of work followed by one day of rest—not the other way around. The purpose of rest isn't to escape work; it's to be restored for more of it. Rest has meaning because work has meaning.That's why we push back on the cultural narrative that says rest, leisure, and early retirement are life's ultimate goals. While rest is essential, its purpose is to equip us to return to the good, God-glorifying work He's called us to do.Culture often treats retirement as the finish line—an end to productivity, as if people cease to offer value once they reach a certain age. But that view is deeply flawed.We must challenge the financial industry's narrative that the goal is to accumulate enough so that we never have to work again. That mindset undermines the dignity and purpose of work. Yes, physical limitations may alter what work looks like in later years, but wisdom, experience, and the capacity to contribute remain. Companies and churches alike lose something precious when they usher older workers out instead of tapping into their gifts.Job, Career, or Calling?So, how should we think about our work? Is it just a job? A stepping stone? Or something more?Every Christian, no matter their vocation, should view their work as a calling. That doesn't mean God gives us a divine word about every job transition, but it does mean that the act of producing goods and services, solving problems, and serving others is inherently meaningful. That's our calling: to work with excellence, for the good of others, and the glory of God.To young adults wondering what to do with their lives: Don't believe the lie that you need to find your dream job tomorrow. Instead, embrace the next opportunity in front of you with excellence, humility, and a long-term view.Work is not just a means to a paycheck. It's how we serve our neighbors, develop skills, build character, and participate in God's ongoing work in the world. Some jobs may be stepping stones—but every job matters. The key is to remember the why behind your work: it's about loving God and loving others.Here's the truth: work isn't something we do just to meet our needs. It's something we do because God made us to work. He worked in creation, and He continues to work in redemption. When we work, we join Him in that sacred task—creating, restoring, cultivating, and contributing to human flourishing.Our work builds families, economies, culture—and yes, even the Kingdom of God.On Today's Program, Rob Answers Listener Questions:I recently retired and now work part-time delivering food for a restaurant using my personal vehicle. Am I allowed to deduct mileage, gas, or other vehicle expenses when I file my income taxes?My son is having a hard time covering his business expenses and has turned to several payday loans just to stay afloat. I'm looking for advice on how he can get sound financial guidance—or if there's a way he can consolidate that debt and get back on track.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Full-Time: Work and the Meaning of Life by David L. BahnsenChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

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

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