Podcasts about budgeting

Brad Lea sits down with entrepreneur and author Phil Beniamino to talk about money rules most people never learn until it's too late. From breaking down why 30% isn't enough to cover your bills (you're living above your means), to why young men splitting the bill is a bad sign, Phil doesn't hold back.   They dig into how Phil teaches others to build wealth using simple, no-BS financial rules, why recurring revenue is the holy grail, and how to build a business that actually pays you after the grind. This episode is filled with raw lessons, practical advice, and unapologetic truth about money, masculinity, and mindset.    Connect with Phil Book: https://www.amazon.com/dp/B0F1HQ7Z65?ref_=cm_sw_r_ffobk_cp_ud_dp_SH7CKB6ZHRX0HNE7XCNS Instagram: https://www.instagram.com/wambamspodcast/ Work with Phil: https://costplusprocessingllc.com/leadership/  

Jeremy Julian hosts the Restaurant Technology Guys podcast and CRO at CBS NorthStar. With 20+ years in restaurant tech, he shares insights and interviews experts to help operators use digital tools to improve efficiency and guest experience. This workshop covers Jeremy's "3 Reasons Restaurants Fail with Technology Onboarding." 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 the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  SoundHound AI Ovation Marqii Tattle Guest contact info:  Podcast: https://restauranttechnologyguys.com/ CBS NorthStar: https://cbsnorthstar.com/ Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22When it comes to managing money wisely, many of us could use some help, but how do you know you've found the right financial advisor? Today, we'll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.How to Find a Financial Advisor Who Aligns With Your FaithFinding a financial advisor can be overwhelming, but it doesn't have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  1. Values Alignment: Do They Share Your Worldview?The most important starting point is finding an advisor whose faith informs their advice. There's a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.Key Questions to Ask:What role does faith play in your financial advice?How do you define financial success?You're listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.2. Competency: Are They Qualified to Serve You?Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.Look for:Industry certifications (like CFP®, CPA, CKA®, etc.)Experience working with clients in your stage of lifeKey Question to Ask:Can you tell me about clients you've served who are in a similar situation to mine?Good advisors won't name names, but they should be able to share stories of impact that demonstrate how they've helped people like you.3. Process & Compensation: Are They Transparent and Clear?A trustworthy advisor will be open about how they make money and how they work with clients.Key Questions to Ask:Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you'll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”Ready to Find an Advisor?If you're beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:Biblical worldviewIntegrityTechnical excellenceYou'll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it's wise stewardship to evaluate that relationship regularly.When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That's the kind of advisor worth seeking out.On Today's Program, Rob Answers Listener Questions:My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren't necessary anymore and are expensive. I have about $300,000 in home equity, and I'm wondering about taxes and how he might handle the property.My dad recently passed away. My mom has been drawing on his Social Security because she didn't have enough credits from working. What percentage of my Dad's Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?Am I supposed to pay tithes on the income of my Social Security now that I'm retired?Now that my wife is retired and I'm almost retired, is maintaining a good credit score still important?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On tonight's episode, Brooks and the boys discuss college football's new villain. Texas Steve Sarkisian denied the claim of Texas spending $40 M. Let's talk about it. During the local hour, we are going to be budgeting Georgia's 2026 recruiting class. Follow Brooks on Twitter: twitter.com/brooksaustinba Follow Brooks on Instagram: Instagram.com/brooksaustinba Subscribe to Patreon: https://www.patreon.com/brooksaustin Merch: https://www.universitiesforever.com/collections/the-film-guy?srsltid=AfmBOorER1HarPFY2LnaE-o7-Buoaixs652Lkv_NzIGKModpY-HVb1sV Follow Brooks on Twitter: twitter.com/brooksaustinba Follow Brooks on Instagram: Instagram.com/brooksaustinba Subscribe to Patreon: https://www.patreon.com/brooksaustin Merch: https://www.universitiesforever.com/collections/the-film-guy?srsltid=AfmBOorER1HarPFY2LnaE-o7-Buoaixs652Lkv_NzIGKModpY-HVb1sV

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Financial freedom doesn't start with more income—it starts with control. In this episode, Jim Oliver sits down with Teshra Robles to explore the missing skill most high earners overlook: a clear, consistent system for managing personal finances. Teshra shares how denial, disorganization, and emotional patterns keep people stuck—and how a simple, repeatable practice can completely transform your relationship with money. 3 Key Takeaways 1. Disorganization is a Hidden Wealth Leak Most people don't know where their money is going because they're emotionally avoiding the truth. 2. Off-the-Shelf Tools Don't Cut It Generic apps and spreadsheets won't get you there. You need a system designed for your life. 3. One Hour a Week Changes Everything A weekly review of your accounts brings clarity, control, and confidence to every financial decision. In a culture obsessed with income, this conversation brings you back to the foundation: Cash flow control is the bedrock of wealth.  Connect with Teshra Robles Website: teshradoyou.com LinkedIn: Teshra Robles Facebook: facebook.com/teshradoyou

Are you chasing growth in your business but worried it might cost you your profits, sanity, or both? In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., pulls back the curtain on the real strategies CFOs use to grow companies intentionally and profitably.  These are the 5 CFO secrets you can and should start using today! Key Takeaways:  Secret #1: Use Your Financial Reports as Decision-Making Tools - Your income statement, balance sheet, and cash flow statement aren't just paperwork, they're your roadmap to smart business decisions. Secret #2: Forecast for the Future, Not Just the Present - Strategic forecasting (including rolling and quarterly re-forecasts) helps you anticipate growth and plan for big investments like hiring or marketing. Secret #3: Align Spending with Your Goals - Every dollar you spend should support your vision. Focus on return-on-investment instead of random or feel-good expenses. Secret #4: Protect Your Profit - Set up multiple accounts, including a rainy-day fund, to safeguard your profit and prepare for future opportunities or challenges. Secret #5: Get Support from a Money Team - You don't have to be your own CFO. Surround yourself with financial pros who can guide you, hold you accountable, and cheer you on. Topics Discussed: Intro: The Risk of Growing on Hustle and Intuition Alone (00:00 – 02:00) CFO Secret 1: How to Use Your Financial Reports to Make Better Decisions (02:06 – 03:59) CFO Secret 2: Forecasting Strategies That Work (04:00 - 05:41) CFO Secret 3: Budgeting with Purpose - Aligning Your Spending & Goals (05:42 - 06:23) CFO Secret 4: Smart Savings Habits That Protect Profits (06:23 - 07:16) CFO Secret 5: Who You Need on Your Money Team (07:17 - 09:08)   Resources: Kickstart Accounting's CFO Services | kickstartaccountinginc.com/cfo    Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Scott Marsh is C.O.O., Partner, and Director of Operations at The Jones Assembly in Oklahoma City, OK. The Jones Assembly is a 1,600 person capacity concert venue with a full-service restaurant and cocktail bar. The Jones Assembly opened in 2017 and is a part of the Social Order hospitality group. Scott pivoted early in his career from music/artist management to concert venue management.  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. Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  Resy Sculpture Hospitality Aloha Guest contact info:  scott@thejonesassembly.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

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In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if everything you've been told about retirement and budgeting is wrong? In this bold and hilarious conversation, Dr. Lauryn sits down with best-selling author and financial disruptor Garrett Gunderson to rethink everything from 401ks to scarcity-based money mindsets. Garrett shares his journey from a coal mining lineage to redefining wealth, and breaks down why so many financial “truths” are actually traps designed to keep you disempowered.They dive into why traditional retirement plans fall short, how budgeting often creates more stress than freedom, and what it really means to become financially independent in today's world. You'll learn Garrett's framework for building wealth in 3–7 years, how to use whole life insurance strategically, and how to align your financial strategy with your personality. This episode is a masterclass in thinking differently, investing smarter, and living more abundantly.Key Takeaways:Traditional retirement plans are broken. Garrett explains how 401ks were designed to benefit institutions more than individuals and why most retirement strategies are based on outdated, flawed assumptions.Budgeting isn't the answer—mindful cash management is. Instead of restrictive budgets, Garrett promotes a system where you automatically save, plug financial leaks, and spend intentionally.Build wealth by expanding your means, not shrinking them. Garrett outlines how to create financial independence by focusing on cash flow, investing in yourself, and picking the right asset class based on your strengths.Whole life insurance can be a powerful savings vehicle. When structured properly, it's a safe, tax-advantaged alternative to bonds with long-term benefits and liquidity.Guest Bio:Garrett Gunderson is a financial educator, entrepreneur, and best-selling author of Killing Sacred Cows and What Would the Rockefellers Do?. With a mission to expose the myths that keep people stuck financially, he helps entrepreneurs achieve true financial independence through cash flow strategies, mindful money management, and value-aligned investing. He is also the creator of the program Multiplier and the star of the Amazon Prime comedy special The American Ream.DM Garrett on Instagram with Lauryn or the podcast's name and he will send you his audiobook, What Would the Rockefellers Do?, for free!Follow Garrett: Instagram | LinkedIn | WebsiteWatch Garrett's comedy special on Amazon Prime: The American ReamResources:For those interested in building a profitable personal brand in just two hours a week, check out Dr. Lauryn's new membership group Beyond Brick & Mortar!Grab Lauryn's free “Sexy Niche Checklist” from her website.Sign up for the Weekly Slay newsletter!Follow She Slays and Dr. Lauryn: Instagram | X |

Bill Luker served in the U.S. Army Reserve and was part of one of the first graduating classes in Computer Science from the University of Utah. He worked as a computer engineer/programmer for Sperry UNIVAC, Evans & Sutherland, and The Church. Bill has played the piano since age six and the organ since age 13, studying with two Tabernacle organists. He currently serves as a stake patriarch and assists the Tabernacle organists. He has previously served as a missionary in Ireland, a teacher, ward and stake organist, as a bishop and in multiple bishoprics, and as a stake president. Lynn Peterson is retired from the U.S. Air Force. He currently serves as a Primary chorister with his wife Cindy, and loves it. He has previously served as a missionary in the North British Mission, a Primary and Sunday School teacher, elders quorum president, stake high councilor, bishop, and in a stake presidency. He has also served three church service missions with the Salt Lake Cannery, Temple Square security, and the University of Utah First Stake. Rick Francom is Kurt's father. He served as a bishop twice, once in a newly-formed and highly-transitory ward that was made up entirely of apartments. He was one of the last bishops to be ordained by a member of the Quorum of Twelve Apostles in the regular process of being called as a bishop. Links Share your thoughts in the Leading Saints community. Transcript coming soon Get 14-day access to the Core Leader Library Highlights In this episode we take a nostalgic journey back to the 1970s and 1980s, delving into the experiences, challenges, and dynamics of church leadership in a different era. We touch on various topics, including administrative tasks, welfare programs, the emotional toll of leadership, and the sometimes-unconventional challenges bishops faced. 00:06:08 - Lynn Peterson's Bishopric Experience Lynn shares his experience of being called as a bishop in 1980 and the transition to the new block schedule. 00:07:40 - Bill Luker's Brief Bishopric Tenure Bill discusses his short time as bishop before being called as stake president. 00:08:53 - Rick Francom's Journey as Bishop Rick recounts his experience of being called as a bishop at a young age and the challenges he faced. 00:12:26 - Ordination by a General Authority Rick shares the process of being ordained by an apostle and the significance of that experience. 00:15:35 - Lynn's Unexpected Call Lynn reflects on his unexpected call to be bishop and the learning curve that followed. 00:17:09 - Bill's Stake Presidency Call Bill shares his experience of being called as stake president shortly after serving as bishop. 00:19:07 - Leadership Challenges Discussion on the feelings of inadequacy and the reliance on the Spirit in leadership roles. 00:25:26 - Financial Concerns in Leadership Exploration of the financial challenges faced by church leaders in the 70s and 80s. 00:28:12 - Budgeting and Fundraising Discussion on the complexities of ward budgeting and fundraising efforts in the past. 00:30:38 - Welfare and Assistance Programs Insights into the welfare system and how leaders managed assistance for members in need. 00:33:02 - Administrative Tasks and Check Writing Discussion on the administrative responsibilities of bishops, including cutting checks and managing funds. 00:40:02 - Unique Welfare Experiences Rick shares a memorable story about using fast offering funds in an unconventional way. 00:42:06 - Personal Challenges of Members Bill reflects on the personal challenges faced by ward members and the emotional toll on leaders. 00:43:34 - General Authority Visits Bill shares experiences with general authorities visiting the stake and the insights gained from those interactions. 00:47:19 - Quarterly Conferences and Technology Discussion on the historical context of stake conferences and the use of early computer technology for administration.

Congratulations, graduate! You've survived the lesson plans, late nights, and student teaching. You crossed the stage at graduation, now what? Whether you've landed your first teaching job or are still searching, this episode will help you transition from cap and gown to classroom and beyond. Here are three graduation tips to focus on as you step into this exciting new chapter. Graduation Tip 1: Find the Right Job FitGraduation Tip 2: Budgeting, DIY, and Meal PrepGraduation Tip 3: Grow as a Future Teacher Connect with Dr. Sam FecichDo you want to continue the conversation beyond the podcast? You can connect with me online for more resources, inspiration, and support tailored to future educators and teachers.

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience.Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety.Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.The Unexpected Silver Lining of the PandemicWhen the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down.Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs.With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom.The Return to Old HabitsBut that moment didn't last.Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic.The decline in financial well-being is measurable. According to the CFPB's 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table.Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn't go even one month without income before falling behind.Why It Matters for ChristiansSo, what's going on? Why the backslide? The answer lies not just in behavior but also in belief.Fear takes over when Jesus isn't present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children.As believers, we're called to live differently—to manage God's resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship.Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God's provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It's a moment to declare God's goodness.”By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn't just math. It's discipleship.Your Next Step Toward StewardshipWhere do you begin if you want to live this way?Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.”Using tools like the FaithFi app can help you begin this journey. And remember, you don't have to walk it alone.Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit's work in our lives, especially the fruit of self-control.When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that's free, sustainable, and others-focused—the kind of financial light the world desperately needs.To read Dr. Enete's full article in the latest issue of our quarterly magazine, Faithful Steward, become a FaithFi Partner today with a gift of $35 a month or $400 a year. Just visit FaithFi.com/Partner to join.On Today's Program, Rob Answers Listener Questions:My mother, who's in her 90s, is going to be selling my house, which I've owned for over 30 years. It looks like the sale may exceed the $250,000 capital gains exemption. If the profit goes over by, say, $20,000, what happens? How is that taxed, and how soon would she have to address it after the sale?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

To many, the word "budget" brings to mine restrictions, guilt, punishment, and a general feeling of dread that they don't have control over their money, much less hit their budget goals. But this idea that a budget means setting hard limits on spending in various categories, then looking back every month to see if you were "good" or "bad" in adhering to those limits... it's all backwards!   Jesse has another way to look at "budgeting," or planning as he calls it. You give every dollar you have a job -- you look at what future expenses you know you have coming and put those dollars into categories to cover those expenses. Once you have your future expenses covered, then you start thinking about what else you'd like to do with your money: take a trip, buy some new clothes, maybe go out to a nice restaurant. Then, as life happens and your needs change, you can move the money around. It's not a failure that your spending doesn't perfectly adhere to some arbitrary category number, it just means you got new information, circumstances changed, and therefore your spending plan needs to change with it.   Once you wrap your head around this way of thinking about money, of planning for the future rather than looking backwards and punishing yourself, then you can start loving the way you spend. Guilt free.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to Minneapolis and NYC: YNAB.com/events  

Mike Bausch is an industry leader whose restaurant, Andolini's Pizzeria, is a top ten pizzeria in the US, as named by Trip Advisor, BuzzFeed, CNN and USA Today. Andolini's began in 2005 and has grown to five pizzerias, two gelaterias, two food-hall concepts, a food truck, and a fine dining restaurant by 2020. He's a World Pizza Champion, a Guinness Book world record holder, and a writer for Pizza Today, and the author of Unsliced: How to Stay Whole in the Pizzeria Business. Mike was previously on the show for episode 772. Do YOU want to work with Mike? Click here -> https://getunsliced.com/unstoppable This workshop covers Mike's "3 Steps to Systemize Your Ownership." 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 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. Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Today's guest recommends:  Ovation Asana 7Shifts Loom Cling App Wisely Guest contact info:  https://getunsliced.com/ Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Miko Love podcast, host Kumiko Love delves into the complex issue of habitual shopping, exploring its psychological roots, emotional triggers, and the societal influences that perpetuate compulsive spending. She emphasizes the importance of self-awareness, self-compassion, and community support in overcoming these habits. Listeners are encouraged to identify their spending triggers, regulate their emotional responses, and create a spending plan that aligns with their values and healing goals. Ultimately, the episode serves as a reminder that healing from habitual shopping is possible and that individuals can cultivate a healthier relationship with money and themselves.KEY TAKEAWAYSHabitual shopping is a coping mechanism for emotional pain.Dopamine plays a significant role in reinforcing shopping habits.Awareness is the first step to changing spending patterns.Your identity influences your financial behaviors.Regulating your nervous system can improve decision-making.Creating a spending plan should reflect your values and goals.Community support is vital in overcoming habitual shopping.You can rewrite your relationship with money and shopping.EPISODE CHAPTERS00:00 Introduction to Habitual Shopping02:50 Understanding the Psychology Behind Shopping Habits06:05 Identifying Triggers and Patterns09:01 The Role of Self-Compassion and Identity11:52 Regulating Your Nervous System15:13 Creating a Healing-Centered Spending Plan17:51 Building Community and Support for ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Snag Our Simplified Budget System!Budget Besties, buckle up! Today, we're inviting you behind the scenes of our private coaching calls to dish out the real-life budget wins, tough decisions, and "wait, should I buy a zebra?" moments from our amazing clients. If they're going through it, chances are you are too — so let's break it all down together.From surprise escrow refunds and dream farms (complete with cows, chickens, and yes... zebra requests

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, “Should I use a credit card or not?” this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

Budgeting doesn't have to feel overwhelming or restrictive. It's a tool that helps you take control of your money, align your spending with your priorities, and achieve financial success. In this episode, we'll break down how to create a simple budget that fits your lifestyle, share practical tips to stick to it, and discuss how to budget for specific financial goals like travel, homeownership, retirement, side hustles, and debt repayment.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

In this episode of the Operators Podcast, the hosts discuss various themes surrounding market insights, personal trading experiences, and the current economic climate affecting e-commerce brands. They delve into data-driven marketing strategies, particularly focusing on the innovative view-through attribution methods being implemented by Northbeam. The conversation emphasizes the importance of key performance indicators (KPIs) in business decision-making and the need for dynamic budgeting and forecasting in an ever-changing market landscape. 00:00 Introduction 06:17 Navigating the Economic Climate for E-commerce Brands08:04 Data-Driven Marketing Strategies with Northbeam18:50 Understanding View-Through Attribution in Advertising30:08 The Importance of Key Performance Indicators (KPIs) in Business39:35 Dynamic Budgeting and Forecasting in Business46:44 Understanding Tariffs and Their Impact51:54 Market Valuations and Economic Insights53:51 Government Spending and Economic Sustainability01:00:21 Taxation and Incentives in the Economy01:12:33 The Role of Government and Trust in Commerce01:21:42 The Future of Driving and Technology's ImpactOperators Exclusive Slack: https://join.slack.com/t/9operators/shared_invite/zt-2tdfu426r-TepSHJP~evAyDfR29U2qUwPowered By:Fulfil.io.https://bit.ly/3pAp2vuThe Only Cloud ERP Designed to Efficiently Scale 8 and 9-Figure Brands. Northbeam.https://www.northbeam.io/Postscript.https://postscript.io/Richpanel.https://www.richpanel.com/?utm_source=9O&utm_medium=podcast&utm_campaign=ytdescSaras.https://saras-analytics.typeform.com/to/T8jpuAEb?utm_source=9operator_lp&utm_medium=find_out_moreSubscribe to The Marketing Operators Podcast here: https://www.youtube.com/@MarketingOperatorsSubscribe to The Finance Operators here: https://www.youtube.com/@FinanceOperatorsFOPS Sign up to the 9 Operators newsletter here: https://9operators.com/

Listen—if you've ever said, “I wanna build my brand, but I don't have the money,” this episode is your wake-up call and your wallet's new best friend. I'm joined by the brilliant Dr. Severine Bryan—aka Dr. Sev—an accredited financial counselor, Fortune 500 vet, and my fellow Nasdaq Milestone Circle sister.We're breaking down brand budgeting myths, how to grow your brand with just $5 (yes, really), and the real reason your mindset might be the biggest thing blocking your money moves. Whether you're bootstrapping or building with a budget, this conversation will help you make smarter, sustainable choices for your brand's financial future.You'll learn: 

Ready to travel without breaking the bank?

"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren't quite where you want them, you might feel like you've run out of time. But maybe you don't need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little LongerIn 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years.Yes, really.This is largely due to two factors:Higher Social Security Benefits – For every month you delay past full retirement age, your benefit increases by 2/3 of 1% (8% annually). Better Annuity Rates – The older you are when purchasing an annuity, the more monthly income you'll receive for the same investment.But there's a caveat: the study is based on specific assumptions that may not match your financial situation.What the Study Assumes—and Why It MattersThe Stanford study uses a fictional worker named “John” who:Started saving at age 36Saved 6% of income and received a 3% matchRetired at 66 and claimed Social Security immediatelyUsed all savings to buy an inflation-indexed annuityIn reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn't be universally applied.If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that's 24% higher. You'd need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond.Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income.More Benefits to Working LongerBeyond Social Security, staying employed offers additional financial and emotional perks:More Contributions – Additional working years allow you to save more and delay withdrawals.Shorter Retirement Span – Fewer retirement years mean your nest egg doesn't have to stretch as far.Health & Community – Work often provides routine, purpose, and social interaction—elements many retirees miss.Working longer isn't just a financial decision—it impacts your time, relationships, and expectations. If you've long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That's why it's essential to consider both the math and the meaning.Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to:Talk openly about your hopes and concernsUnderstand your financial picture as a teamChoose unity over independence in decision-makingThis is one of the most crucial decisions you'll make as a couple.How Much Do You Really Need?You may have heard that you need 70–80% of your pre-retirement income. That's a good rule of thumb, but it's far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle.If you're behind on retirement savings, don't panic—and don't go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse.If you'd like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt's article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today's Program, Rob Answers Listener Questions:I now have the money from my tax return to pay my property taxes, due in two installments—one in May and one six months later. Should I go ahead and pay it all now since I have the funds, or is there a wise short-term investment I could consider in the meantime?Is there a reliable resource or organization that can provide information on charities that are requesting donations, such as groups like America Cares, CARE, or Mercy Ships?What are your thoughts on the cryptocurrency XRP? Is it something worth considering?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFA | Charity Navigator | Ministry WatchFidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Click here to sign up for Private 1:1 Coaching inside of The Wealthy Woman's Academy. Click Here to Book your Financial Clarity Consultation! Struggling to save, stuck in the debt cycle, or wondering where all your money goes? If you make good money but still feel like you're not getting ahead, let's change that. In a complimentary Financial Clarity Consultation, I'll help you identify what's keeping you stuck, show you exactly what to focus on next, and give you a clear plan to start building real wealth. During this no pressure session, we'll decide if it's a good fit to work together in order to make it happen. Click Here to book your complimentary consultation. Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Grab the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now. Click Here to open an Account with Ally Bank Using My Referral Link. Follow Me on Instagram → ...

Budgeting without real numbers is just expensive guesswork.In this episode, I'm diving into one of the most common habits I see with high earners: fake math. That's the guessing, rounding, and “I'll figure it out later” mindset that keeps you stuck in financial stress, even with a six-figure income.You'll learn how fake math creates a false sense of security, why confronting it feels so vulnerable, and how facing your real numbers is the first step toward overcoming financial shame, finding clarity in your budget, and long-term financial freedom.Are you ready to stop guessing and start understanding your numbers? It's time to call out the fake math that is sabotaging your budget. Tune in to learn how to take back control of your bank account. Listen to learn how to call out fake math in your budget…[02:08] Why it is scary to call out fake math[04:04] Dealing with discomfort now to lay the groundwork to say yes in the future[10:50] Inviting curiosity to combat the shameTune in to stop relying on fake math and start making confident, clear financial decisions.Get full show notes and the episode transcript: https://wealthovernow.com/the-fear-of-fake-math-what-happens-when-you-finally-face-it/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

Jim O'Conner is the COO of McNellie's Restaurant Group in Tulsa, OK. Jim grew up in MA and went to Tufts University. He studied in Spain and moved to Ireland for a year and really fell in love with true Irish pubs. He returned to the states and worked for Ford in Ann Arbor, MI and then moved to Tulsa with his wife where he discovered the McNellie's Group. He was such a fan of their businesses that he began working for them. The rest is history! We had CEO and Founder of McNellie's Group on the show for episode 1183! 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: jim@mcnellies.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

If I had to choose just one financial tool to improve my situation, hands down, it would be a budget. The course of my life changed with a budget nearly a decade and a half ago. Sure, I may have been forced into that situation, but regardless of how I got there, a budget turned everything around for me. Now, I've made a career helping women turn their own lives around with a budget. No matter how much or how little you make, a budget is truly a game-changer. In this episode, I'm sharing 5 ways budgeting is the key to living the life you've always dreamed of. Get ready to become a budget-lover, just like I became one so many years ago.   Here's a glance at this episode: [01:55] What had started as a necessity to budget has now become a career for Raya, as she coaches women to set and stick to budget plans. [04:04] An integral part of the budgeting process is making sure your spending is in line with your budget. Don't skip this step! [07:06] A budget helps you plan for both the expected and the unexpected. Handling money now becomes a stress-free lifestyle. [10:08] Budgeting is a way to sustain the life you currently have, so it can help you get to the life you actually want. [14:00] Not convinced a budget can help you create freedom? When you have control of your finances, you gain the freedom to say yes or no to everything.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 1 – Big City Spender to City Girl Saver Listen to Episode 3 – Breaking Through the Stigma of Budgeting Request a complimentary call with Raya Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.'” - Matthew 25:40Some exciting things are happening that will give you more ways to help “the least of these” in God's Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need.Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A Call to Reach the MarginsWhen it comes to helping families in financial crisis, good intentions aren't always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That's the heart behind Making Ends Meet, a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health.Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren't just managing poorly but truly don't have enough income to meet basic needs.In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting.Why Money Alone Isn't EnoughSimply giving money doesn't create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn't solve the deeper problem.That's not a reason to stop giving—it's a reason to start giving differently.Jesus didn't just heal people and walk away. He invited them to follow Him. That's the model we need to follow—combining financial help with relational investment.When someone is experiencing financial hardship, it's often not just a matter of dollars and cents—it's about identity, family history, and deeply ingrained beliefs. That's why true transformation requires more than a checkbook; it requires presence.When we invest relationally, we gain credibility. That allows us to speak into someone's life in a way that supports their heart and habits.Understanding the Emotional BarriersOne of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be.Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts.But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me?This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won't be overcome overnight, but change is possible with consistent love and support.Learn More and Get InvolvedThe beauty of Making Ends Meet is its simplicity. You don't need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset.This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools to make that investment more effective.To explore how you or your church can use Making Ends Meet, visit CompassFinancialMinistry.org. Whether you're looking to lead a group or come alongside a struggling neighbor, this resource is designed to equip you to serve with compassion and wisdom.Helping others financially isn't just about generosity—it's about discipleship. When we combine truth, love, and time, God can do amazing things.On Today's Program, Rob Answers Listener Questions:How do I get banks to produce my bank statements further back than the seven-year period usually required to keep records? I need bank statements from 10-15 years ago because I believe fraud or theft has occurred.My boyfriend is 62 and is about to receive profit-sharing money in two weeks after he took an early retirement from his job. He wants to put the money in his checking account or keep it in his man cave. I don't know how to get anything lined up for him or what to tell him to change his mind.I would like to send a charitable donation to my church directly from my IRA. I have the RMD forms, but I don't understand them. I don't know what to do by myself and don't want to make a mistake.I'm trying to withdraw some equity from my house, and I'm wondering what you think of a HELOC or an HEI.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryMaking Ends Meet Video StudyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this conversation, John Harcar and Joshua Smith discuss the importance of financial education and strategies for taking control of one's financial future. Joshua shares his personal journey from financial illiteracy to becoming a wealth strategist, emphasizing the concept of infinite banking as a powerful savings strategy. They explore the benefits of this approach, including guaranteed lines of credit and the ability to structure policies for generational wealth. The discussion also highlights the need for financial literacy and the resources available for individuals and families to improve their financial knowledge. 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   —--------------------

Is your brokerage truly giving you freedom, flexibility, and financial growth? In this episode of the Real Estate Excellence Podcast, Tracy Hayes welcomes with Kimberly L. Waterhouse, Veteran USMC. Kimberly shares how her journey from the United States Marine Corps to Jacksonville real estate has been a masterclass in reinvention. With a rich background in media, marketing, and business leadership, Kimberly brings more than just property expertise—she brings people-first values, military grit, and a deep understanding of Jacksonville's evolving communities. Kimberly dives deep into the nuances of VA loans, new construction challenges, and the power of truly knowing your client. From advocating for veteran homebuyers to spearheading relocation success stories, Kimberly's authenticity and dedication shine. Whether you're a new agent, seasoned pro, or simply passionate about purpose-driven business, this episode will leave you energized and informed. Loved Kimberly's story? Share this episode with a veteran, aspiring agent, or someone relocating to Jacksonville!   Highlights: 00:00 – 13:59 Starting Strong: Military Roots and Real Estate Beginnings Kimberly's Marine Corps experience and discipline Transition from military to business world Lessons from Camp Pendleton Embracing military values in real estate Starting with Berkshire Hathaway 14:00 – 25:59 VA Loans Demystified Why many veterans don't use their VA benefits Key misconceptions about VA loans How VA loans compare to other options Educating sellers about VA buyers Leveraging VA loan assumptions 26:00 – 38:59 The Power of Pre-Listing Inspections Importance in today's insurance market Real examples of inspection deal-breakers How it builds trust with buyers Avoiding renegotiation pitfalls Saving time and money upfront 39:00 – 50:59 Homeownership Journeys: Personal and Professional Kimberly's first-time homebuyer story Budgeting, planning, and long-term vision Unexpected life changes and real estate impact The rise of single women homeowners Using her journey to guide clients 51:00 – 1:04:59 New Construction: Expect the Unexpected Why new builds still need inspections Issues with builders during high-demand years Being a client advocate during construction Virtual check-ins and milestone walkthroughs Learning to speak up for the buyer 1:05:00 – 1:22:31 Market Trends and Local Expertise Navigating Florida's competitive housing market The impact of interest rates and inventory shifts Balancing seller concessions and buyer needs Strategic marketing and community presence Staying ahead with local knowledge Conclusion   Quotes:  “You learn so much about yourself when you're out in the field, digging your own latrine and pitching your own shelter.” – Kimberly L. Waterhouse, Veteran USMC  “Just because you're a veteran doesn't mean you can't still benefit—VA loans are powerful and underutilized.” – Kimberly L. Waterhouse, Veteran USMC “I shine in openness and conversation—there's no substitute for showing up and listening.” – Kimberly L. Waterhouse, Veteran USMC  “It's not about the technology; it's about using it to give you more time for the human connection." – Kimberly L. Waterhouse, Veteran USMC   To contact Kimberly L. Waterhouse, learn more about their business, and make them a part of your network, make sure to follow them on Website, Twitter, Instagram, and Facebook.   Connect with Kimberly L. Waterhouse, Veteran USMC! Website: https://www.realestatenefl.com Twitter (X): https://twitter.com/@reconnectornefl Instagram: https://www.instagram.com/realestatenorthflorida/ Facebook: https://www.facebook.com/klwaterhouse   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    If you want to build your business and become more discoverable online, Streamlined Media has you covered. Check out how they can help you build an evergreen revenue generator all powered by content creation!   SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #VeteranRealtor #MarineCorpsToRealtor #VALoanExpert #JacksonvilleRealEstate #MilitaryRelocation #WomenInRealEstate #NewConstructionTips #HomeBuyingJourney #AIInRealEstate #KimberlyWaterhouse #BHHSFloridaNetwork #RelocationSpecialist #RealEstateTraining #RealtorLife #LeadershipInRealEstate #SpringfieldLiving #SupportOurVets #RealEstatePodcast #DigitalMarketingForAgents

The Moneywise Radio Show and Podcast Monday, May 19th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement Guest: Thomas Maxwell, Entrepreneur, Partner at Keathley, Maxwell & Antongiovanni, LLP, Business Owner, CPA & Much More website: www.kmallpcpa.com/  

What would you do if you found something so valuable, so life-altering, that you gladly gave up everything else just to have it? That's the image Jesus gives us in Matthew 13—two brief parables, one powerful message. They remind us of a truth that can reframe not just our faith, but our finances, especially in uncertain times.In Matthew 13:44–46, Jesus says:“The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.”“Again, the kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.”In both parables, something of immense value is found, and the response is total surrender. But not begrudgingly. Not in fear. In joy. That joy is everything. It's the natural overflow of discovering something so worthy, so beautiful, so eternally good that it reorders your entire life. All other pursuits fade in comparison.But What About When Life Feels Like a Storm?Let's be honest—most days don't feel like we've just struck eternal treasure. In today's economy, with interest rates up, inflation lingering, and layoffs still in the news, you might feel like you're just trying to stay afloat. You're not alone if you're grasping for security, calculating risks, or losing sleep over your monthly expenses.But here's the good news: even in uncertain times, Jesus extends the same invitation. He's saying there is something more valuable than everything you own. And that something is someone—Him.When Christ Is Your Treasure, Money Loses Its GripWhen Jesus becomes your treasure, money loses its power to control you. You're no longer tethered to the markets, to your salary, or to your fears. Your peace isn't tied to your portfolio—it's anchored in God's unshakable Kingdom.That's what Paul discovered in Philippians 3:7–8:“Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.”Paul had status and influence, but he gave it all up when he found the true treasure in Christ.We see this again in the Macedonian believers in 2 Corinthians 8. Even in deep poverty, they gave with joy—not because they had extra, but because they understood Christ's surpassing worth. They didn't view giving as a loss but as a gain.The Paradox of the Kingdom: Loss Becomes GainHere's the paradox: when you release your grip on material things, you make room to take hold of eternal things. Stewardship becomes joyful. Giving becomes worship. And peace begins to replace pressure.But let's not pretend it's always easy. Sometimes, the treasure feels far away. The joy is buried beneath fear. The anxiety drowns out trust. Jesus anticipated this, too. In Matthew 10:29–31, He says:“Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.”God sees you. He knows your needs. And His care for you isn't based on your net worth, but your infinite worth to Him.A Resource for Your Journey: Look at the SparrowsThat's the heartbeat behind our 21-day devotional, Look at the Sparrows. Created by our team at FaithFi, this devotional helps center your heart on God's promises, His presence, and His provision.Because when you're standing in a storm, you need more than a budget—you need a Savior. And He's not far off. As Jeremiah 29:13 promises:“You will seek me and find me, when you seek me with all your heart.”When Jesus is your treasure, everything changes. You steward your money with open hands, not clenched fists. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, joy returns.So if your heart is anxious today, remember the man who bought the field. Remember the merchant who found the pearl. And remember the Savior who invites you to find lasting treasure in Him.Order your copy of Look at the Sparrows at FaithFi.com. Click “Shop” to get a copy for yourself—or buy in bulk for your church or small group.On Today's Program, Rob Answers Listener Questions:I'm retired and living on Social Security with no debt. I have key expenses paid off, and I'm pulling about $1,900 a month from Social Security. Whenever I have a significant project for the house, I pull money out of an IRA that my broker has set up. Is this the best way to finance these projects so that I can remain debt-free and avoid incurring any interest?I have a 401(k), and I'm wondering how I can invest according to my values with the available options. It seems like the only options are big companies that I'd rather not invest in. Do you have any suggestions?We recently sold our house for a good profit, and I'd like to know how we should tithe on it. Do we tithe on the full amount we received, or only what goes above the initial price and the interest we paid on it?My wife and I are purchasing a home this year. The credit union offers us a standard 30-year mortgage with one monthly payment and a bi-weekly payment plan. I want to know which option would be better and the pros and cons.I used to be poor about 25 years ago and filed bankruptcy for $3,500. Now I receive my ex-husband's Social Security, and I would like to see about possibly paying back the bankruptcy debt.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Mark C. Winters is the co-author of Rocket Fuel: The One Essential Combination That Will Get More of What You Want from Your Business. Mark was a serial entrepreneur and owned "13 to 14" businesses before stepping into a more advisory/consultant role for businesses. He discovered EOS in 2012 and since became a champion of EOS and has founded Rocket Fuel University.  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: US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Website: markcwinters.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

Does the word “budget” make your skin crawl? You're not alone – but it doesn't have to be that way. In this episode, we're flipping the script on traditional budgeting and showing you how to build a spending plan that empowers rather than restricts. You'll hear: Why most budgeting systems are set up to fail – and how to create one that actually works for you. How to identify your core money values and align your spending with what truly matters. The Three-Bucket Spending Plan that turns your budget into a tool for growth, security, and joy. Powerful mindset shifts that transform financial scarcity into abundance. Shari's personal story of breaking the scarcity cycle and embracing a values-based spending plan. You'll walk away learning:  Your financial reality will always align with your financial energy  Common money values include: Freedom and flexibility Security and stability Growth and learning Comfort and well-being Impact and contribution Recognition and status How to reframe budgeting from a punishment to a powerful tool for aligning your spending with your values. Why most budgeting systems set you up for failure – and the three critical mindset shifts that will transform your financial approach. The Three-Bucket Spending Plan that simplifies money management without sacrificing what you love. How to identify your top money values and use them to build a spending plan that actually sticks. Why emotional spending isn't just about lack of discipline – it's about unaddressed financial traumas and how to heal them. How to stop saying “I can't afford that” and start saying, “I'm choosing to spend differently.” How to recognize the scarcity mindset patterns that keep you stuck – and practical steps to break free. Whether you're tired of feeling guilty every time you spend or you're ready to start building wealth without sacrificing your sanity, this episode is for you. Tune in, take notes, and get ready to reframe how you manage your money. Follow us on Instagram @everyonestalkinmoney for more money mindset shifts and practical tips! Learn more about your ad choices. Visit megaphone.fm/adchoices

What are your capital budgeting choices?

Why do married couples see money so differently and how do you avoid letting it become a source of stress?In this episode of The Wealth Mindset Show, we're talking about what really drives your financial mindset (hint: it often starts in childhood) and how spouses can work together to build a strong, shared approach to money. Whether you're merging bank accounts or just trying to understand why one of you is a saver and the other's a spender, this episode's for you!Here's what we cover:How your background shapes your views on moneySaver vs. spender (and what to do if you're opposites)Should couples combine finances or keep things separate?Budgeting and goal setting that works for both of youHow to talk about money without it turning into a fightPlanning for the future together: retirement, investing, and more...For the full video, resources, and show notes, visit thewealthmindsetshow.com/s2e11Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

Proverbs 4:26 reminds us, “Give careful thought to the paths for your feet and be steadfast in all your ways.”That's a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn't just about numbers—it's about aligning your resources with God's purposes.Matt Bell, a trusted voice in biblical finance, recently wrote about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script:“Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.”In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what's left. The result? Financial stress, shrinking savings, and a fading sense of contentment.Budgeting as a Sacred TrustBut what if budgeting isn't just a spending plan—it's a sacred trust?Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is He who gives you power to get wealth.” Your income is a gift and a responsibility. Imagine God saying:“I'm entrusting you with $80,000 this year. Use it to reflect My love—meet needs, fund ministry, invest in My Kingdom. Save wisely. Enjoy what I've provided.”This echoes 1 Timothy 6:17, which reminds us that God “richly provides us with everything to enjoy.” With a biblical framework, our financial decisions flip the cultural script:Give firstThen save and investThen spend wiselyAnd use debt sparinglyPaul David Tripp puts it this way:“God calls us to stop starting with ourselves and hoping there's money left over for him. Instead, the call is to willingly and joyfully accept that our money's primary purpose is to fund a kingdom of generosity… and then trust that God will provide what we need.”Jesus warned in Matthew 7:26–27 that anyone who builds their life on shifting sand—hearing His words but not doing them—will find their house collapsing in the storm. A budget based on biblical principles isn't just practical—it's foundational. It anchors our financial lives to the truth of God's Word.A Partner for Kingdom StewardshipIf you're ready to build your finances on that foundation, it helps to partner with others who share your values. That's why we're grateful for Christian Community Credit Union (CCCU).More than a bank, CCCU is a financial institution with a Kingdom mission. They offer everything you'd expect—checking, savings, loans, mortgages—but they also invest your deposits in ministries that serve the Gospel worldwide. Every dollar becomes a tool for transformation.If you're seeking a trusted financial partner that aligns with your faith and fuels your impact, learn more at JoinChristianCommunity.com.Budgeting isn't about restriction—it's about worship. It's about saying, “Lord, everything I have is from You and for You.” When we carefully consider our financial paths, we begin to experience the freedom, peace, and joy of Kingdom stewardship.On Today's Program, Rob Answers Listener Questions:I will be full retirement age in August. I'm still working, so my Social Security will be a surplus that I want to put toward my home. I still owe $82,000 on it, but I also know it needs many repairs. Does it make more sense to put this extra cash flow toward repairs, paying down the mortgage, or a little bit of both?What's the difference between getting a debt consolidation loan or working with a debt counselor?I just wanted general information about universal index life insurance. It seems too good to be true. I've heard that you put money in, and it always increases, but you never lose money out of there, like in the case with stocks.I have a colleague with $12,000 in student debt. He wants to pay $1,000 down and the rest over time, but I think he should pay it off completely now. What's the best method for him to save money and pay off the debt quickly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this solo episode of The Tactical Empire, Shawn discusses common personal finance tips and how they are redefined within the framework of their 90 Day Accelerator program. Key topics include the exercise of determining a family's bare ass minimum (BAM), the importance of protecting and investing income rather than merely saving, and the strategic approach to handling debt. Sean emphasizes the value of investing in education, skills, and cash flow assets to achieve greater financial freedom and high achievement.00:00 Introduction to Tactical Empire00:44 Rewiring Personal Finance Beliefs01:43 Cutting Unnecessary Expenses04:49 Saving and Investing Strategies06:47 Debunking Retirement Savings Myths09:38 Paying Off Debt vs. Investing13:09 Conclusion and Contact Information

Take a listen to the 5th episode of "The WEView" panel discussion show featuring: Coco Rose: https://www.instagram.com/thecocorose/ & https://linktr.ee/cocorose901 Scarlett Letter, featured panelist: https://scarlettletterburlesque.com/ Dinah Dare: https://www.instagram.com/dinah_dare & https://linktr.ee/Dinahdare Mickey Mae: https://www.instagram.com/mickey_faerch_official/  Bella Fire: https://www.instagram.com/bella.fire.colorado/  Produced by Viktor Devonne for the WEBurlesque Podcast Network Session 5 features a review on the tip split question from last time, diving into emotions and responses regarding the Burlesque Hall of Fame's recent announcement that the location in LAs Vegas is shutting down indefinitely as the Weekender looms; Scarlett opens the floor to discuss when one needs to consider dropping acts that no longer serve you and why that may be; finally, a listener seeks advice on budgeting and if they should be declaring burlesque on their taxes (p.s. we are not lawyers!) Want advice, submit a question for discusison, or get consensus if you're the asshole? Submit a letter from the audience: https://weburlesque.wordpress.com/the-weview/ Feedback and Curiosities: weburlesquepodcast@gmail.com  (this conversation was recorded on 5-11-2025)

Send me a one-way text about this episode! I'll give you a shout out or answer your question on a future episode.Summer is right around the corner and many of us are making summer travel plans. Jessica Fisher is back to share her knowledge on traveling with a large family on a small budget. We are going to focus mostly on international travel today, as that's where Jessica's experience is, but many of the concepts will apply to all sorts of travel. IN THIS EPISODE:Figuring out your motivation for travel and how to facilitate good family communication regarding travel plans and expectations. Benefits of traveling together as a family and some specific benefits of international travel. Researching & Organizing the Big 3: Transportation, Lodging & Food.Budgeting, Saving & Paying Cash for VacationVacation Homemaking: how to pack, stay organized and manage laundry on the road. Good-to-Know & Things You Might Not Think AboutNOTES & LINKSConnect with JessicaInstagram| @lifeasmomdotcom | @goodcheapeatsblogBlogs  lifeasmom.com for all the mom content goodcheapeats.com for all the food and food savings contentFollow her travels in Japan lifeasmom.comGrocery Store Picnic e-book | Free for AoH listeners, use code "artofhome" at checkout at goodcheapeats.comFamily Travel Tips from Jessica at lifeasmom.comResources MentionedRick Steves for European TravelLonely Planet Kids Travel Series, Not for Parents, Everything You Ever Wanted to Know TripAdvisor AAA International Driving Permitbooking.com packing cubes | Compression | Regularlaundry detergent sheetscompact elastic travel/camping clotheslineSupport the showHOMEMAKING RESOURCES Free Weekly Newsletter, Homemaker Happy Mail Private Facebook Group, Homemaker Forum Newsletter Archive JR Miller's Homemaking Study Guide Audio Newsletter available to Titus 2 Woman monthly supporters SUPPORT & CONNECT Review | Love The Podcast Contact | Voicemail |Instagram | Facebook | Website | Email Follow | Follow The Podcast Support | theartofhomepodcast.com/support

“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” - Proverbs 27:23-24These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters.  Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics.What Is Proxy Voting?Proxy voting is similar to civic voting. As a citizen, you vote in elections, attend town halls, and even influence legislation. As a shareholder in a company, if you own the stock directly, you have similar rights: to vote on proposals, ask questions, and even submit resolutions.But if you're invested through mutual funds or ETFs, you hand that vote over to someone else—often a fund manager or institution. And unless you know how they're voting, your values may not be represented at all.Many Christian ministries, nonprofits, and even pro-life organizations are unknowingly voting against their own missions. Why? Because they either don't engage in proxy voting or delegate it without vetting the recipient's values.How Can Investors Reclaim Their Voice?Proxy statements are often long, complex, and written in confusing legal language. For that reason, many advisors default to saying, “Just let the client decide,” rather than helping them engage meaningfully.Of course, that's not a good sign because if it's too complex for the advisor, it's definitely too complex for the client. Instead, we encourage advisors and Christian investors to partner with specialists, like Bowyer Research, who can help decode the process and ensure votes reflect biblical values.They offer audits to show investors how they've been voting—often to their shock. They've never done one where people weren't stunned by what they saw.Mutual Funds, ETFs, and the Challenge of Indirect OwnershipIf you're invested through mutual funds or ETFs, you're likely not voting directly. However, that doesn't mean you're powerless. Here are some things to keep in mind:You can request data on how your funds are voting. Bowyer Research tracks that. You can explore “direct indexing” solutions—an increasingly available strategy that allows you to own shares directly and reclaim your voting rights. You can ask your advisor questions. “How am I voting?” is a simple but powerful question. If your advisor can't answer it, that's a red flag.What You Can Do TodayAsk your advisor how your shares are being voted. If they don't know, press in.Get an audit of your proxy voting records through BowyerResearch.com.Talk to companies, not just about them. Change happens through engagement, not complaint.If you're an investor, advisor, or leader at a Christian ministry or nonprofit, don't let your investments work against your mission. Visit BowyerResearch.com to learn how to align your proxy voting with your values.On Today's Program, Rob Answers Listener Questions:I'm 27 and own 20 acres of land. Should I use the land as collateral for a house loan, or use my saved money to get a bigger loan and increase my land's equity?I opened a Roth IRA with National Life Group in 2013. It's past the surrender fee date, but it's not earning me much. I'll be 66 in July, and I'm single with no one to depend on. I also have another annuity with F and G that I'm not happy with. What should I do with these investments?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bowyer ResearchWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Summary In this special Mother's Day episode of the Millionaires Unveiled podcast, Jace and his family celebrate the role of mothers in their lives, sharing personal stories and lessons learned about money, values, and family dynamics. The conversation highlights the importance of financial literacy, hard work, and the impact of a mother's love and guidance on shaping their perspectives on life and finances. Through engaging discussions, the family reflects on their experiences and the legacy they hope to instill in future generations. Takeaways *Mothers play a crucial role in shaping family values. *Financial literacy is essential for children. *It's important to have open conversations about money. *Hard work and education are key lessons to instill in children. *A rich life is defined by more than just money. *Consistency and kindness are vital traits to emulate. *Budgeting and financial planning are necessary for success. *Legacy involves passing down values and lessons to future generations. *Experiential spending can enhance life quality. *Navigating financial discussions in marriage requires teamwork. Sponsored by: Prizepicks.com Code: Millionaire

Elliot Nelson is the Founder and CEO of McNellie's Restaurant Group based in Tulsa, OK. This is Elliot's second time on the show, previously featured on episode 781 back in 2021. Elliot's mantra is to “make our city better one restaurant, one meal, one guest at a time.” He does this through owning and developing over 10 concepts currently. 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: Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest recommendations: Sunday Guest contact info:  Website: https://mcnellies.com Instagram: @mcnelliesgroup Email: elliott@mcnellies.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable