Podcasts about budgeting

For years I believed budgeting was enough to make me feel in control, but I still felt stressed and a few steps behind. In this episode, I'm sharing the three habits that finally changed things for me. These habits helped me stop avoiding my numbers, understand the spending patterns that kept holding me back, and set up systems that made saving and planning feel natural instead of overwhelming.I'll walk you through the simple changes that helped me stop panicking about money and start feeling more in control. None of this requires perfection. It's about choosing habits that support your life and make your finances feel more predictable.If you're looking for more stability and you want money to feel less chaotic, this episode will help you take the next step.Links mentioned:High Yield Savings Accounts with the best ratesInspired Budget YouTube ChannelYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

SEO Expert vs. SEO Agency: Making the Right Choice for Your Business (Decision Makers Edition) with Favour Obasi-ike with Favour Obasi-Ike | Sign up for exclusive SEO insights.Episode SummaryBusiness decision-makers constantly face the challenge of choosing between a solo SEO expert and a full-service SEO agency to drive their online growth. In this episode, host Favour Obasi-ike is joined by guests Marc McIntosh, (G.A.) Pimpleton, and Jolanta Kissoon Young to demystify this critical choice.The discussion unpacks the distinct roles of each provider, revealing that an expert acts like a specialist "doctor" for targeted advice, while an agency serves as a holistic "coach" for comprehensive execution. The conversation also ventures into the dark side of the industry, exposing common pitfalls and scams with firsthand accounts of fraudulent practices.Finally, the group provides a concrete, actionable framework for vetting a trustworthy partner, emphasizing the non-negotiable need for proven results and the power of earned trust to ensure your SEO investment translates into real business growth.Read New SEO Article: Is It Worth Hiring an SEO Expert in 2026? [Table Comparison]Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about digital marketing services.>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Key Takeaways for Business LeadersFirst, define your need before you hire. The most critical first step is to align your business stage with the right provider. An SEO expert is ideal for startups or businesses needing strategic advice, specialized audits, or tactical guidance ("seeing where the needle is"). A full-service agency is better suited for mid-to-large companies that require an aggressive, multi-disciplinary growth strategy and hands-on implementation ("moving the needle").Second, "receipts" are non-negotiable. Do not hire a provider based on promises alone. Demand tangible proof of their competence and impact. Ask for detailed case studies, analytics, and data—what G.A. calls "receipts"—that show where past clients in your industry started and where they finished. This data should clearly demonstrate an increase in revenue, reach, and other key business metrics.Third, trust is earned through value. The most reliable and effective SEO partners are often those who don't rely on aggressive advertising. As Marc argues, trust is built over time. Seek out experts and agencies who freely educate their audience through podcasts, blogs, or online communities. This demonstrates genuine expertise, builds a foundation of trust, and proves they are more focused on delivering value than just making a sale.Detailed Episode Breakdown & Timestamps1. Introduction: The Core DilemmaStarting at 00:00, host Favour Obasi-ike opens the discussion by framing the critical decision business owners face: whether to engage a freelance SEO expert or a larger SEO agency. He emphasizes the strategic importance of this choice, noting that it can define a company's digital foundation and shape its future growth trajectory.At 01:15, Favour Obasi-ike provides an initial breakdown of the fundamental differences, describing an expert as a specialist focused on a specific problem, while an agency covers a comprehensive range of needs. He also introduces the idea that, under specific circumstances, the two can work together effectively.At 03:30, two primary scenarios for collaboration are detailed: an expert can augment an agency's team with specialized skills for a particular project, or an expert can be brought in to provide a "third eye" perspective for an established in-house team, offering an outside view to improve internal processes.With the core dilemma established, the discussion moves to the crucial task of matching your specific business needs to the right provider model.2. Differentiating Roles: The Doctor vs. The CoachBeginning at 05:00, the conversation highlights that to make a smart investment, you must first diagnose your own needs. This section provides a clear framework—the "Doctor vs. the Coach"—to help you distinguish between the need for tactical advice versus comprehensive execution and align your specific requirements with the right type of service provider.At 06:45, the conversation compares the two roles using a clear analogy: the expert is like a doctor who diagnoses and prescribes, while the agency is like a coach who manages the team and executes the game plan. The SEO Expert, or "Doctor," acts as a consultant or specialist who provides tactics and strategies, helping you "see where the needle is." They typically cost between $500 to $3,000+ per month on average. The SEO Agency, or "Coach," provides a full team for execution and acts as the "backbone of your brand online," actively "moving the needle" for you with a robust, multidisciplinary approach.At 09:10, Favour Obasi-ike explains the concept of an SEO agency acting as the technical "backbone" for a brand online. An agency is responsible for a wide array of needs, from generating traffic and performing technical fixes to assisting with branding, backlinks, and local SEO.At 11:25, clear advice is given on when to hire each: an expert is ideal for those just starting out who need to learn the ropes and get strategic direction. In contrast, an agency is necessary for mid-to-large businesses or well-funded startups that require an aggressive, multifaceted growth strategy.While understanding the ideal roles is essential, the real risk lies in the industry's dark side. The speakers now pivot to the critical red flags that can save a business from costly mistakes.3. Industry Pitfalls: Scams, Red Flags, and Cautionary TalesAt 15:30, the conversation shifts to address the "bad rep" of the SEO industry, highlighting why business owners must be exceptionally vigilant. This segment underscores the importance of recognizing red flags to avoid wasting money, losing time, and protecting critical company assets like websites and data.At 17:00, G.A. shares his negative experiences with agencies, explaining his preference for direct, one-on-one relationships. He recounts a client's horror story where a previous agency held their website and data hostage, making it nearly impossible to transition to a new provider and regain control of their own intellectual property.At 20:15, Marc McIntosh offers a powerful anecdote about a new client who had been paying a significant sum for "SEO services" but did not even have Google Analytics or Google Search Console connected to their site—a fundamental flaw. He warns against providers selling overpriced, templated services and using fake bot traffic to manipulate reports and create the illusion of progress.At 24:50, G.A. describes a common scam in his industry where companies buy recycled, low-quality leads from "SEO experts" who use impressive-sounding buzzwords like "quantum computing" to sell ineffective, boilerplate services that fail to deliver genuine clients.Recognizing the scams is half the battle; the other half is proactively identifying a trustworthy partner. The conversation now provides a practical vetting framework to do just that.4. Vetting a Partner: How to Find a Trustworthy ProviderStarting at 28:00, and armed with an understanding of the risks, this section delivers a practical toolkit for due diligence. Follow these systematic steps to move beyond a provider's sales pitch and verify their true capabilities, establishing a successful and transparent partnership from the start.At 29:30, the speakers collectively outline actionable steps for vetting any potential SEO provider.First, ask probing questions. Favour Obasi-ike suggests asking specific operational questions to gauge professionalism and process, such as: "What is your tech stack?", "How do you handle sensitive data and passwords?", and "How do you work as a team?".Second, demand "receipts" (proof of work). Synthesizing advice from the panel, this point stresses the need to see hard evidence. Demand what GA calls "receipts"—case studies, analytics, and performance data showing where clients started and finished. Additionally, as H advises, ensure these case studies explain the strategy behind the results, demonstrating their understanding of your industry.Third, check their own fundamentals. Marc provides a simple but effective tip: audit the provider's own website for basic SEO health. If they have fundamental errors like multiple H1 tags (Mark's example) or an outdated copyright date (Jolanta's example), it's a major red flag.Fourth, verify their authority. Look for tangible proof that they are a genuine expert in their field. A credible provider often has a presence on platforms like LinkedIn, hosts a podcast, writes a blog, or runs a community where they actively share knowledge and engage with their industry.Fifth, prioritize referrals and earned trust. Marc makes a compelling argument that the best partners are found through trusted referrals, not advertisements. He advises following potential experts over time. Those who consistently teach and give value freely are building genuine trust, making them a much safer and more reliable choice.A thorough vetting process is the best defense against industry scams and serves as the foundation for a fruitful, long-term relationship.5. Final Thoughts & Resources MentionedAt 45:00, the final segment wraps up the discussion by covering specific tools and platforms that can aid in SEO efforts. This reinforces the core idea that successful SEO is not a one-time fix but an ongoing, dynamic process of learning, implementation, and adaptation.At 46:15, the discussion touches on leveraging specific platforms for greater reach. In response to Jolanta's question, Favour Obasi-ike explains that Pinterest is a powerful visual search engine, not just a social media platform. Because the lifespan of a "pin" is 3.5 months to 5 months (compared to 19-72 hours for an Instagram post), content published there continues to drive traffic and build authority for a brand long after it's posted.At 52:30, the tools and platforms mentioned throughout the episode include: ClickUp, Zoom, Google Search Console, Google Analytics, ChatGPT, LinkedIn, Clubhouse, and Pinterest.At 55:00, Favour Obasi-ike closes the episode with a final call to action, encouraging listeners to connect with him directly via the link in his bio to turn the insights from the conversation into concrete action for their businesses.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are Gen X'ers truly ready for retirement, or is anxiety about savings and the future holding them back? Ethan Glasgow dives into the real fears facing Gen X as retirement approaches, including the uncertainties about saving enough, outliving income, and market volatility. He shares practical strategies for late-stage planning, including Roth conversions and budgeting tips, and explains why it’s never too late to start. Whether you’re five or ten years away, discover actionable steps to make retirement planning less overwhelming and more achievable. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

In this year-end reflection episode, Ginger and Brad share memorable insights from past interviews on budgeting, spending, and the importance of values in financial decisions. They discuss how taking action can lead to financial independence, the impact of community, and the transformative power of generosity. This episode encourages listeners to implement strategies that align with their personal values and relationships for achieving true wealth beyond financial metrics. Timestamps 00:00:00 - Intro to the Episode 00:01:47 - Reflecting on Memorable Interviews 00:03:41 - The Importance of Budgeting 00:05:20 - Seasons of Life and Spending 00:09:16 - Community Impact 00:10:52 - Generosity and Giving 00:12:31 - Mindset Shifts 00:52:05 - Concluding Thoughts Key Takeaways Reflecting on Past Episodes (00:01:47) Ginger and Brad explore moments from previous interviews that resonated with them, focusing on actionable insights. Importance of Budgeting (00:03:41) Budgeting is vital to achieving financial independence. Prioritize spending on experiences and values that bring joy, as highlighted by guest Ron Babcock. Seasons of Life and Spending (00:05:20) Understand that spending should align with your current life stage. Budgeting isn't just about saving; it's also about recognizing what matters right now. Community in Financial Independence (00:09:16) The FI community supports each other through shared experiences and service projects. Efforts like the FI Service Core highlight collective impact. Generosity and Giving (00:10:52) Act on urges to be generous immediately; this reinforces meaningful connections and contributes to fulfilling relationships. Mindset Shifts (00:12:31) Challenge limiting beliefs about what's possible in life. Acknowledge that perceptions can often be changed with the right reflection. Actionable Takeaways Align Your Budget with Your Values (00:05:20) Identify what matters most in your life today and reflect this in your budget. Practice Generosity (00:10:52) Make acts of generosity immediate to enrich your relationships and community. Reflect on Beliefs (00:29:19) Question beliefs that limit possibilities and explore what changes can be made to achieve your goals. Quotes "Embrace spending on values; it's essential for a fulfilling life." - Brad (00:07:18) "True love requires sacrifices and effort." - Ginger (00:50:36) "Little changes lead to significant results in financial independence." - Brad (00:41:32) Related Resources The Happiness Trap - A book discussed in the episode that explores cognitive behavioral tools for a healthier mindset. Discussion Questions How do you prioritize your spending to align with your values? (00:05:20) What small sacrifice can you make today for someone you care about? (00:50:36) Action Items Reflect on your current financial habits. (00:05:20) Set up a high-interest savings account for future goals. (00:25:54)

This Clubhouse marketing session explores the multifaceted world of Restaurant SEO and its application to local businesses. Favour details how establishing a strong digital presence through third-party platforms like Uber Eats and DoorDash creates a "franchise SEO" ecosystem that builds brand authority. The discussion emphasizes off-page strategies, such as connecting Google Business profiles and social media links, to drive traffic and foster community trust. Participants also examine the role of multimedia content, suggesting that podcasts and videos can humanize a brand by showcasing chef interviews or cooking processes. Beyond restaurants, the conversation expands to cover niche industries like private investigation, highlighting how AI-driven search and reputation management are reshaping modern visibility. Ultimately, the sources advocate for a strategic blend of long-term organic growth and immediate paid advertising to maintain a competitive edge.Restaurant SEO: Uber Eats, Grubhub and DoorDash Marketing Tactical Strategies with Favour Obasi-ike with Favour Obasi-Ike | Sign up for exclusive SEO insights.-------------------------------------------------------------------------Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about our digital marketing services.>> Visit our Official website for the best digital marketing, SEO, and AI strategies today!>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------------Episode Timestamps[00:00:00] Introduction: Defining Restaurant SEOThe discussion begins by establishing that "Restaurant SEO" is not a unique discipline but rather a specialized application of local SEO. This foundational understanding is critical for any business reliant on a physical location for customer visits, from restaurants and local stores to farm markets. At [00:01:15], the host defines Restaurant SEO as local SEO with a "restaurant tag" on it, emphasizing its importance for driving traffic, generating tangible results, and gathering customer feedback—all vital for a local establishment's growth.By [00:03:30], the conversation introduces two key strategies for extending a restaurant's online reach. The first is Franchise SEO, which involves leveraging third-party platforms with active communities, such as DoorDash, GrubHub, OpenTable, and NextDoor. Listing a restaurant on these services creates powerful backlinks to its primary website, enhancing its authority. The second is Off-Page SEO, which refers to activities on other digital platforms, primarily social media sites like Facebook, Instagram, and TikTok. Connecting these profiles back to the main website helps build a robust online presence and authority. These definitions set the stage for the episode's central strategic debate on driving business growth.[00:10:00] The Core Debate: SEO for Trust vs. Ads for ImmediacyThis section frames the episode's central conflict, presenting two competing yet complementary philosophies for driving restaurant growth. The speakers weigh the immediate, traffic-driving power of paid advertising against the long-term, trust-building foundation of a solid SEO strategy.At [00:11:45], John makes a strong case for prioritizing paid advertising, asserting that restaurants "need customers now." He argues that paid strategies, such as a proven Facebook advertising model, are the most effective tools for immediate results and that SEO should be considered a secondary, long-term project. At [00:15:20], another speaker supports John's point on the need for immediacy, using a practical example to illustrate the customer mindset: "if I want chicken wings, I'm not worried about SEO."By [00:18:00], Favour presents the counter-argument, clarifying that SEO's primary role is to build trust and credibility before a sale can occur. He uses the analogy of a "red flag" for anyone promising immediate sales directly from SEO. The group reaches a consensus that a balanced approach is best: ads are essential for short-term traffic, while SEO serves as the indispensable long-term foundation for sustainable growth and brand authority. The conversation then transitions from this high-level strategy debate to a specific, actionable content strategy proposed by the host.[00:25:00] A Creative Content Strategy: The Restaurant PodcastThis segment introduces a novel and powerful idea for restaurants to differentiate themselves and build a deep, trust-based relationship with their community. The speakers frame podcasting as a way for a restaurant to move beyond simple listings and reviews to become a true content creator and community hub.At [00:26:10], the host proposes that a restaurant should start its own podcast, utilizing both audio and video formats to engage potential customers on a deeper level. By [00:27:30], the group brainstorms a range of compelling content ideas, including video recipes, cooking tutorials, and culinary tips; interviews with the restaurant's chefs to discuss their creative process; discussions on the quality and sourcing of ingredients; answering frequently asked questions from customers; exploring the history and cultural significance of the cuisine; collaborating with beverage brands featured on the menu; taste tests and sampling sessions; customer testimonials; and behind-the-scenes looks at special events or cookouts.By [00:30:00], the primary strategic goal of this podcasting strategy is articulated: to build profound trust by allowing customers to discover aspects of the restaurant they would never think to search for, thereby creating a stronger and more resilient brand connection. This discussion on creating unique content naturally leads to the technical necessity of structuring that content correctly on the restaurant's website.[00:33:00] Technical SEO Deep Dive: The Menu is Your WebsiteThis section uncovers a critical and often-overlooked technical SEO mistake that can severely handicap a restaurant's online visibility. The speakers reveal how relying on seemingly convenient third-party systems for menu hosting can prevent a restaurant from capitalizing on valuable search traffic.At [00:34:05], a speaker highlights the significant failure of using platforms like Toast that consolidate an entire menu onto a single landing page. He explains that this approach misses the opportunity to have 25 separate, indexable pages for a 25-item menu. By [00:36:15], the impact of this mistake is clarified: individual menu item pages should be treated like e-commerce products. Each page is capable of generating its own organic traffic and ranking for highly specific searches, such as "best chicken wings in [city]."The solution, discussed at [00:38:40], is to structure the restaurant's website so that each menu item has its own dedicated page. Each page should be optimized with rich descriptions, proper titles, and an easy-to-use ordering system, thereby maximizing the restaurant's "footprints and stamps across the internet." The conversation then shifts from these on-site technical details to the broader, future-facing topic of visibility within emerging AI search engines.[00:42:00] The Future: AI Visibility and Advanced AutomationSetting the stage for a forward-looking discussion, the experts explore how the concept of "being found" is expanding beyond traditional search engines. The focus shifts to include AI-powered Large Language Models (LLMs) and the new opportunities they present for visibility and automation.At [00:43:10], the group discusses the growing importance of "AI Visibility." This involves ensuring a restaurant's information appears when users ask direct questions to AI chatbots like ChatGPT (e.g., "what's the best sushi restaurant near me?"). They also touch on how platforms like Perplexity can be leveraged for rapid ranking within these new search paradigms.By [00:45:00], the concept of using AI agents and automation for SEO tasks is introduced. A speaker provides a powerful example of using a tool like N8N to create an agent that can log into a website daily and automatically optimize product titles. He elevates this concept by explaining the goal is to move beyond simple email reports and "upgrade to the voice agents... and my AI gives me a phone call about the listings that's been optimized," emphasizing a future where an AI proactively works and reports, even waking the owner from sleep with critical updates.At [00:47:25], the speakers identify some of the foundational data sources that LLMs use to answer queries, such as SERP API and DuckDuckGo. This highlights the necessity for businesses to be listed and visible in these core digital infrastructures to appear in AI-generated results. This look into the future of search concludes the main discussion.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this podcast episode, host Favour Obasi-Ike sits down with international conflict management expert Dr. Nashay Lowe to reveal how AI can serve as the ultimate mirror, reflecting our hidden biases and transforming how we communicate.Episode SummaryThis conversation delves into the strategic importance of understanding Artificial Intelligence not merely as a technological advancement, but as a transformative tool for enhancing professional communication, streamlining problem-solving, and fostering profound self-reflection. Dr. Nashay Lowe guides us through the necessary mindset shift required to harness AI's power, moving beyond skepticism to see its potential as an indispensable partner in complex human endeavors.The discussion charts a journey from initial resistance to a nuanced appreciation of AI's role in the modern workplace. Favour Obasi-Ike and Dr. Nashay Lowe dissect the common fear that AI will replace human jobs, reframing the technology as a "power tool" that augments human capability rather than rendering it obsolete.Dr. Nashay Lowe states that the real professional risk isn't being replaced by AI, but by a colleague who masters it. The conversation culminates in a powerful central metaphor: AI as an objective mirror. As Dr. Nashay Lowe states, "Conflict reveals who we are, it doesn't create our divisions it reflects them." In the same way, AI offers a unique ability to reflect our communication patterns and strategic gaps without the inherent lens of a human observer.Ultimately, the episode reveals that AI's effectiveness is entirely dependent on human guidance. Through skillful prompting, critical questioning, and a commitment to ethical use, professionals can leverage AI to see their challenges, and themselves, with unprecedented clarity. This episode provides a compelling roadmap for anyone looking to integrate AI thoughtfully into their work.These are the essential insights you need to navigate this new landscape.Key TakeawaysThis section distills the most critical and actionable insights from the conversation with Dr. Nashay Lowe. These takeaways serve as foundational principles for any professional seeking to adapt to and thrive in an increasingly AI-integrated world, transforming a complex technology into a practical asset for growth and efficiency.AI is an Evolutionary Tool, Not an EnemyResisting AI is akin to resisting the adoption of computers or smartphones—a futile effort against an inevitable technological evolution. The true professional threat is not being replaced by AI itself, but by someone who masters AI as a tool to work more efficiently and effectively. Adaptation is no longer optional; it's a core professional competency.AI Serves as an Objective MirrorThe most powerful application of AI in subjective fields like conflict management is its ability to act as a mirror to our own communication patterns, biases, and choices. By analyzing language and scenarios without a human's inherent emotional or experiential lens, it can reveal subtle tensions, repetitive biases, and strategic blind spots that we might otherwise miss.Human Input Dictates AI OutputThe value of AI is not in the technology alone, but in the user's ability to guide it. Dr. Nashay Lowe emphasizes the necessity of iterative prompting, asking critical questions, and providing specific context to achieve nuanced results. A generic prompt yields a generic answer; a thoughtful, challenging prompt unlocks a deeper level of analysis and creativity.AI Can Augment, But Not Replace, EmpathyWhile AI lacks genuine consciousness or empathy, it serves as an invaluable diagnostic tool. Dr. Nashay Lowe powerfully argues that AI can remind us where empathy is missing in our strategies and communications. It can highlight a failure to consider another perspective or identify language that lacks warmth, prompting the human user to inject the necessary emotional intelligence.The User is the Ultimate Guardian of PrivacyAs AI systems become more deeply integrated with our personal and professional data streams, the user's responsibility grows exponentially. The conversation highlights the valid paranoia around connecting AI to sensitive information. The key takeaway is that the user must proactively manage data connections and maintain confidentiality, for instance, by using anonymized scenarios rather than identifiable information.These core principles provide a framework for leveraging AI not just as a machine, but as a partner in professional development.Detailed Episode Timestamps & NotesThis structured guide provides a detailed breakdown of the episode's key moments and discussions. Use these timestamps to navigate directly to the topics and insights that are most relevant to your professional journey.[00:00:00] Introduction: The Power of Human ConnectionHost Favour Obasi-Ike and Dr. Nashay Lowe reflect on their meeting in Las Vegas, emphasizing how valuable real-world, in-person connections are for creating professional opportunities, including this very podcast episode.[00:02:15] Meet Dr. Nashay Lowe: Proactive Strategy Over Reactive Problem-SolvingDr. Nashay Lowe outlines her background in international conflict management and her current mission. She applies global frameworks to local conflicts in academic and nonprofit sectors, aiming to shift leaders from "putting out fires" to implementing proactive strategies. Her goal is to create long-term, healthy habits rather than relying on ineffective "one-off" workshops.[00:04:30] Navigating AI Skepticism: A Necessary Mindset ShiftDr. Nashay Lowe addresses the common resistance to AI, framing it as a crucial mindset shift. She draws parallels to the initial skepticism surrounding cell phones and computers, arguing that AI is an evolving tool that will inevitably become integrated into every aspect of our lives. Adaptation is key.[00:06:45] The AI & Human Partnership: More Power Tool, Less ReplacementThe conversation reframes AI not as a replacement for humans, but as a tool that enhances efficiency. Dr. Nashay Lowe shares a powerful analogy from her partner, comparing the evolution of work to building a house with a hammer and nail versus a power tool, the goal is the same, but the right tool makes the process faster and more efficient.[00:10:10] AI in Conflict Management: Reflecting Our DivisionsThis segment explores the episode's central thesis. Dr. Nashay Lowe explains, "Conflict reveals who we are, it doesn't create our divisions it reflects them. And so artificial intelligence to me works much of the same way." She argues that AI can serve as an objective mirror in the subjective process of conflict resolution, identifying patterns and biases that a human mediator, operating through their own lens, might overlook.[00:14:00] The Emerging Frontier: AI as a Therapeutic ToolDr. Nashay Lowe notes the surprising trend of people using generative AI like ChatGPT for therapeutic purposes. She shares an anecdote about users having "meltdowns" on TikTok after a software update made the AI seem less "nice," underscoring the complex, human-like relationships people are beginning to form with the technology.[00:17:30] Using AI Responsibly: The Art of the PromptThis section focuses on the principle that AI's output is only as good as its input. Dr. Lowe explains the importance of prompting AI to challenge your assumptions ("Don't confirm what I'm already telling you") rather than simply validating them. Responsible use involves an iterative process of refining the AI's output with specific human feedback.[00:20:45] Privacy vs. Progress: The Security DilemmaDr. Nashay Lowe addresses the valid security and privacy concerns surrounding AI's integration with personal data like emails, calendars, and financial accounts. She contrasts this risk with a practical strategy for maintaining confidentiality in her work: using anonymized scenarios ("Person ABC") to analyze conflicts without exposing personally identifiable information.[00:25:00] Crafting Dialogue: A Masterclass in SpecificityDr. Nashay Lowe provides a masterclass on using AI to develop communication scripts. Her method involves giving the AI a specific persona ("You are a 25-year vet in conflict management") and, crucially, directing it to pull information from credible, specific sources like peer-reviewed journals. She continually refines the output with detailed feedback until it meets the desired tone and substance.[00:30:10] Dr. Lowe's Core Message: A Reminder Where Empathy is MissingDr. Nashay Lowe delivers her powerful final takeaway. She concludes that AI can never replace essential human qualities like presence, listening, or humility. However, its greatest strength is its ability to "hold a mirror to our communication patterns and ask without judgment, 'Is this how you're meant to show up?'"Learn more about this episode's insightful guest in the section below.About Our GuestThis episode features the expert insights of Dr. Nashay Lowe, a strategist dedicated to transforming how leaders approach conflict and organizational health.Dr. Nashay Lowe is a specialist in international conflict management who applies global frameworks to solve local challenges. She works primarily with academic and nonprofit leaders to help them shift from reactive problem-solving to building proactive strategies for long-term success. With a focus on creating healthier, sustainable habits within organizations, Dr. Nashay Lowe is currently exploring the cutting edge of her field by integrating Artificial Intelligence as a tool to foster more objective, effective, and positive change.Resources & Ways to ConnectConnect with Dr. Nashay Lowe:Website: https://www.loweinsights.comPodcast: The Resolution RoomInstagram: @loweinsightsLinkedIn: Nashay LoweNext Steps for Booking A SEO Discovery Call | Digital Marketing + Done-for-you SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? 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Happy Birthday to Favour Obasi-ike. He shares a personal message of gratitude while celebrating a birthday. He reflects on the show's prolific output, noting that over 140 out of 600+ episodes were produced in the current year alone. As the show prepares to enter its twelfth season in 2026, listeners are encouraged to explore the extensive archives via a searchable website to find specific marketing and business topics via wedontplaypodcast.comThis brief update serves as a direct connection with the audience to offer appreciation for their consistent loyalty. Finally, the creator concludes the message by looking forward to future content and heading off to a commemorative dinner.-------------------------------------------------------------------------Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about our digital marketing services.>> Visit our Official website for the best digital marketing, SEO, and AI strategies today!>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------------See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Budgeting doesn't have to be a mystery—or a misery! On this episode of Roots of Success, host Kevin Keim sits down with Liz Helton and Steve Alley from McFarlin Stanford to walk through how budgeting can transform your landscaping business. The trio shares actionable strategies for starting a budget from scratch, using your company's historic data, and adapting budgets as realities change. They explain the differences between budgets and forecasts, why seasonality matters, and how to avoid common pitfalls (like not budgeting at all). You'll get inside tips on controlling costs, maximizing gross profit, and holding your team accountable—all with practical techniques you can use right away. If you've been putting off budgeting or want to help your business take the next step, this episode will provide good advice to get you started.  THE BIG IDEA:   You can only manage what you measure  KEY MOMENTS:  [03:35] "Budgeting Based on Historical Data" [06:59] Seasonal Budgeting for Landscaping Businesses [11:55] "Three-Way Budget Tool Overview" [15:20] "QuickBooks Budgeting Benefits Explained" [19:50] "Importance of Classifying Business Costs" [21:08] Accurate Budgeting with Historical Data [26:00] "Planning Revenue with Hour Metrics" [29:29] "Focus on Major Cost Drivers" [31:56] "Cutting Costs and Smart Spending" [37:38] "Breaking Goals into Manageable Steps" [41:33] "Communicate the Score: Are We Winning?"  QUESTIONS WE ANSWER  Why is it important for businesses, especially in the landscaping industry, to create a budget before the year begins?  What is the difference between a budget and a forecast in financial planning?  How does historical data play a role when building an annual budget?  What challenges might a company face if they don't break out expenses by class or division?  How can industry seasonality impact the process of budgeting revenue?  What are some basic tools or software that can help a landscaping company create a budget using their historical data?  Why is labor considered the most critical cost to manage in landscaping, and how should it be budgeted?  What are some common pitfalls businesses face by not reviewing recurring expenses, such as insurance and software subscriptions?  How can reviewing actual results against the budget throughout the year help improve business performance?  Why is it crucial to communicate budget goals and metrics to team members, and how can breaking down targets make them more achievable? 

How do you set a personal budget, even if thinking about money feels like the worst thing ever? What if you're allergic to spreadsheets, or your family set you up with a ton of anxiety and expectations around finances?Joe Biel, founder and CEO of Microcosm and regular host of the pod, did a little seminar for Microcosm staff on setting a personal budget and Joe's favorite tips for money management. We got so much out of it, we wanted to share it with you! If you want more tips on where to get started with your finances, check out UNF*CK YOUR WORTH by Dr. Faith Harper: https://microcosmpublishing.com/catalog/books/10744************Thank you for catching the People's Guide to Publishing vlogcast!  We post new episodes every Thursday about publishing, authors, and the book industry. You can also listen via your preferred podcast app, or by visiting linktree.com/microcosmGet the book: https://microcosmpublishing.com/catalog/books/3663Get the workbook: https://microcosmpublishing.com/catalog/zines/10031More from Microcosm: http://microcosmpublishing.comMore by Joe Biel: http://joebiel.netMore by Elly Blue: http://takingthelane.comSubscribe to our monthly email newsletter: http://eepurl.com/gIXT6vFind us on social media:Facebook: http://facebook.com/microcosmpublishingBlueSky: https://bsky.app/profile/microcosm.bsky.socialInstagram: http://instagram.com/microcosm_pub************

Does the word “budget” still make your shoulders tense? Same. And that reaction isn't a personal failing—it's a sign that most budgeting advice was never built for real life. In this rereleased episode, we throw out the guilt, the restriction, and the rules that don't stick, and replace them with a spending plan that actually works with how you live, earn, and decide. This conversation breaks down why traditional budgets tend to fall apart (hint: it's not because you lack discipline) and how to build a values-based spending plan that supports growth, security, and joy—at the same time. You'll learn how to identify what truly matters to you financially and how to align your spending with those priorities instead of fighting yourself every month. We walk through the Three-Bucket Spending Plan as a simpler, more human way to manage money without sacrificing the things you love or want to work toward. Shari also shares her own experience of breaking out of a scarcity mindset and why emotional spending has far more to do with unexamined beliefs and financial baggage than willpower. This episode reframes budgeting from something you “have to do” into a tool that helps you make intentional choices—so you can stop defaulting to “I can't afford that” and start saying, “I'm choosing this.” If you're tired of feeling guilty every time you spend, stuck in a cycle of overthinking your money, or ready to build wealth without burning out your nervous system, this episode is for you. Press play, rethink what a budget can be, and start creating a spending plan that finally feels supportive instead of suffocating. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. And don't forget to keep the conversation going—follow us on Instagram @everyonestalkinmoney for more honest money mindset shifts and practical strategies you can actually use. Learn more about your ad choices. Visit megaphone.fm/adchoices

Merry Christmas Eve everyone!

Merry Christmas to you and your beautiful family! This episode features Favour Obasi-ike offering a holiday greeting to his precious listeners. This captures a seasonal well-wish intended to convey warmth and spiritual favor during the winter festivities. By using a traditional festive salutation, Favour aims to establish a positive connection with you, the listener. The message is succinct and celebratory, focusing entirely on a Christian blessing associated with the Christmas season. This simple piece of media serves as a sincere gesture of goodwill and holiday cheer.Thank you for listening to the We Don't PLAY™️ Podcast Show! God bless you!-------------------------------------------------------------------------Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about our digital marketing services.>> Visit our Official website for the best digital marketing, SEO, and AI strategies today!>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------------See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of Best Bets for Pets, Michelle Fern dives into a topic every pet parent must understand: the real cost of caring for our furry family members. From rising veterinary expenses to often-overlooked “startup costs,” Senior Vice President and General Manager of Pet at CareCredit, Jonathan Wainberg, returns to unpack why pet care costs continue to climb — and what smart, practical steps pet parents can take to budget for both routine and emergency expenses. Jonathan explains how tools like CareCredit and pet insurance can work together, shares insights on the biggest financial surprises new pet owners face, and offers lifesaving advice for planning ahead. If you've ever wondered how to prepare for the true financial side of pet ownership, this episode is a must-listen.EPISODE NOTES: The Real Cost of Pet Love: Budgeting for Your Best FriendBecome a supporter of this podcast: https://www.spreaker.com/podcast/best-bets-for-pets-the-latest-pet-product-trends-pets-animals-pet-life-radio-original--6667904/support.

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

Hey Friend!   Are you sick of feeling like you aren't good at budgeting? Like no matter what you do you will never be able to stick to your budget. All this does is fuel your stress, worries and anxiety making budgeting hard and a task you don't ever want to do.    This is a common feeling and something that can be managed with the flip of one little thought. It's this one thought that is keeping you from sticking to your budget and feeling like a failure every time you attempt to budget. And it's this one little thought that we are going to be talking about in this episode so that you can start budgeting with less stress!   So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let's get you out of the overwhelm and into confidence.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

SummaryIn this episode of the I Can Do podcast, Benjamin Lee discusses the importance of financial wisdom, particularly focusing on the concept of living one month ahead. He shares personal experiences with budgeting apps like YNAB and emphasizes the psychological benefits of being proactive with finances. The conversation highlights the significance of having an emergency fund and how intentional spending can lead to a more peaceful financial life.TakeawaysFinancial wisdom is rooted in discipline and foresight.Living one month ahead can transform financial management.Emergency funds should be more than just $1,000.Intentional spending reduces financial stress.Budgeting apps like YNAB can provide valuable resources.Small categories can lead to significant changes in budgeting.Living ahead helps eliminate financial anxiety.Having margin in life allows for better financial decisions.Communication about money can reduce conflicts in relationships.Learning about money is a continuous journey.Chapters00:00 Introduction to Financial Wisdom02:47 Living One Month Ahead09:43 The Psychological Impact of BudgetingSubscribe to my newsletter at https://benjaminlee.blogListen to all episodes at https://icandopodcast.comTune in Monday-FridayMoney MondaysTuesday TakeawaysWednesdays WordThursdays TextFriday Focus

If you've ever delayed looking at your numbers, dreaded a bookkeeping meeting, or felt a pit in your stomach when someone says "Let's review your finances," this episode is going to feel like a deep exhale. In this conversation, Danielle sits down with financial advisor and partner at Orange Financial Brad Cunningham for an honest look at why entrepreneurs struggle with money clarity and why confidence doesn't come from spreadsheets. It comes from understanding your numbers and applying that knowledge to your life and your business.  Key Takeaways:  Money Avoidance Is Emotional, Not Logistical: Most entrepreneurs avoid their financials because looking at numbers exposes vulnerability. When you understand the emotions underneath, clarity becomes much easier. Savings Habits Matter More Than Investment Choices: Brad explains why even the best investment strategy can't fix a poor savings rate and why behavior is the real foundation of wealth. Traditional Budgets Fail Because They Feel Limiting: Instead of obsessing over restrictions, focus on understanding your cash flow and aligning spending with your values and goals. Entrepreneurs Often "Out-Earn" Their Problems Without Solving Them: As revenue grows, lifestyle often expands at the same pace. Real financial health requires intentional guardrails. You Need a Money Team, Not One Money Person: Bookkeeper, tax accountant, CFO/coach, and financial advisor—each role supports a different part of your financial picture, and they should work together. Tax Strategies Shouldn't Sabotage Long-Term Flexibility: Saving money this year shouldn't come at the cost of future options or long-term growth. Clarity Creates Confidence: When you understand your numbers and the behaviors behind them, financial anxiety drops and decision-making becomes easier. Topics Discussed: (00:00) Intro: Brad's Background and What He Does (02:43) Why Entrepreneurs Avoid Looking at Their Financial Data (03:32) Fear of Financial Vulnerability and How It Impacts Decision-Making (05:39) The Problem with "Putting the Cart Before the Horse" in Investing (06:09) The Truth About the 4.4% Savings Rate and Why Traditional Budgeting Doesn't Work  (09:56) The Danger of Trying to "Out-Earn" Your Problems & What Will Actually Solve Issues (11:09) The 20% Savings Benchmark for Entrepreneurs  (12:16) Danielle's Breakdown of the 4 Essential Members of Your "Money Team" (15:16) Rethinking Tax Strategy and Future Flexibility  (18:31) Building Launch Plans for Your Children (20:39) HSAs, 401(k)s, IRAs, and 529s: Why Context Matters  (21:50) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (26:33) Promo: Kickstart Accounting's "Check Your Books" Service (27:45) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (29:44) Final Thoughts on Confidence, Clarity, and Long-Term Planning (21:36) Outro: Like, Share and Subscribe!   Resources: Connect with Brad | https://goorangefinancial.com/  Check Your Books | kickstartaccountinginc.com/checkyourbooks    Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

In this episode of The Marriage is Tougher Than Woodpecker Lips podcast, hosts Bryan Hooks and Paul Sargent discuss the intricacies of planning surprise gifts for their spouses, particularly focusing on the importance of communication, involvement, and creating memorable experiences. They share personal anecdotes about their own experiences with surprise trips and the dynamics of family involvement, emphasizing the need for balance between surprise and collaboration in gift-giving. The conversation also touches on budgeting for gifts and the significance of capturing family moments during these experiences.TakeawaysThe importance of planning surprise gifts for your spouse.Involving your partner in decision-making enhances the experience.Family dynamics play a crucial role in gift-giving.Creating memorable experiences is more valuable than material gifts.Communication about expectations is key in relationships.Budgeting for gifts can alleviate financial stress.Surprises can strengthen the bond in a marriage.Capturing moments during family trips adds to the experience.Understanding your partner's preferences is essential for gift-giving.Regular weekend experiences can enhance marital satisfaction.

Michelle Williams took on $56,000 in credit card debt from 10 different cards, but paid it off in 4 years with MMI's help!Michelle's debt situation became critical when she experienced a job change that resulted in a substantial pay cut. It caused her to look for outside help, which led her to Money Management International.MMI negotiated with her creditors to arrange lower monthly payments and reduced interest rates, consolidating her payments into one manageable monthly payment to MMI. This process significantly eased the burden of managing her debt.She found budgeting to be the key to establishing new, healthier financial habits and kick lifestyle creep to the curb!The ultimate outcome was financial freedom. Michelle says it's an amazing feeling, enabling her to see her savings grow, have a healthy checking account, and confidently say “yes” to experiences like travel and dining out. This freedom brings her peace of mind and a comfortable level of living. Her advice to others struggling with debt is to not wait, but seek professional help from organizations to get a clearer picture of your financial situation and options. She believes it to be one of the best decisions anyone can make.Key moments:00:00 Lifestyle Creep04:16 The Greatest Results Come From Budgeting06:58 Breaking the Stigma of Debt09:42 Loving the Freedom of Being Debt-Free

Nokukhanya Mntambo speaks to John Manyike, Head of Financial Education at Old Mutual, about what South Africans are most likely to trim from their budgets when tightening their finances, reflecting broader consumer behaviour in a cost-conscious economy. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

If you've ever delayed looking at your numbers, dreaded a bookkeeping meeting, or felt a pit in your stomach when someone says "Let's review your finances," this episode is going to feel like a deep exhale. In this conversation, Danielle sits down with financial advisor and partner at Orange Financial Brad Cunningham for an honest look at why entrepreneurs struggle with money clarity and why confidence doesn't come from spreadsheets. It comes from understanding your numbers and applying that knowledge to your life and your business.  Key Takeaways:  Money Avoidance Is Emotional, Not Logistical: Most entrepreneurs avoid their financials because looking at numbers exposes vulnerability. When you understand the emotions underneath, clarity becomes much easier. Savings Habits Matter More Than Investment Choices: Brad explains why even the best investment strategy can't fix a poor savings rate and why behavior is the real foundation of wealth. Traditional Budgets Fail Because They Feel Limiting: Instead of obsessing over restrictions, focus on understanding your cash flow and aligning spending with your values and goals. Entrepreneurs Often "Out-Earn" Their Problems Without Solving Them: As revenue grows, lifestyle often expands at the same pace. Real financial health requires intentional guardrails. You Need a Money Team, Not One Money Person: Bookkeeper, tax accountant, CFO/coach, and financial advisor—each role supports a different part of your financial picture, and they should work together. Tax Strategies Shouldn't Sabotage Long-Term Flexibility: Saving money this year shouldn't come at the cost of future options or long-term growth. Clarity Creates Confidence: When you understand your numbers and the behaviors behind them, financial anxiety drops and decision-making becomes easier. Topics Discussed: (00:00) Intro: Brad's Background and What He Does (02:43) Why Entrepreneurs Avoid Looking at Their Financial Data (03:32) Fear of Financial Vulnerability and How It Impacts Decision-Making (05:39) The Problem with "Putting the Cart Before the Horse" in Investing (06:09) The Truth About the 4.4% Savings Rate and Why Traditional Budgeting Doesn't Work  (09:56) The Danger of Trying to "Out-Earn" Your Problems & What Will Actually Solve Issues (11:09) The 20% Savings Benchmark for Entrepreneurs  (12:16) Danielle's Breakdown of the 4 Essential Members of Your "Money Team" (15:16) Rethinking Tax Strategy and Future Flexibility  (18:31) Building Launch Plans for Your Children (20:39) HSAs, 401(k)s, IRAs, and 529s: Why Context Matters  (21:50) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (26:33) Promo: Kickstart Accounting's "Check Your Books" Service (27:45) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (29:44) Final Thoughts on Confidence, Clarity, and Long-Term Planning (21:36) Outro: Like, Share and Subscribe!   Resources: Connect with Brad | https://goorangefinancial.com/  Check Your Books | kickstartaccountinginc.com/checkyourbooks    Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

In this episode, we sit down with a top entrepreneur and filmmaker Stewart Cohen, an expert and business owner of nearly 20 years, to unpack how to build genuine credibility and lasting success in an age of overwhelming digital noise ("cyber noise").Stewart shares timeless principles from his entrepreneurial journey, shaped by a family legacy of business ownership, and contrasts the foundational strategies of the past with the unique challenges of today.Stewart argues that in a world where “social media lies, websites lie,” the most valuable currency is in-person credibility. He provides a masterclass in turning client relationships into your most powerful marketing engine and explains why protecting your audience's attention is the ultimate business discipline.

Send us a textSlow seasons happen in every industry, and the salon industry is no exception. But while slow periods are predictable, panic is optional.In this episode, we talk about why seasonal slowdowns shouldn't feel shocking, why reacting emotionally makes things worse, and how both salon owners and stylists can prepare ahead of time instead of scrambling at the last minute. We break down the difference between panic and passivity, why discounting usually backfires, and how to build systems that keep your business steady year after year.We also share practical ways to use slow seasons productively: tightening systems, improving consultations, planning financially, strengthening client relationships, and maintaining strong team morale. Slow doesn't mean broken; it means you have information, time, and opportunity to improve your business.Your business should serve you, so that you can serve others.Slow seasons don't have to derail you — they can actually make your business stronger.Key TakeawaysSlow seasons are predictable patterns, not sudden failures.Panic and passivity are both reactive — leadership is proactive.Data and year-over-year numbers matter more than feelings.Planning removes stress when business slows.Discounts attract price-first clients, not loyal ones.Strong consultations and rebooking conversations drive stability.Marketing works when it's consistent, not reactive.Slow periods are ideal for systems, training, and leadership work.Small experience upgrades build massive client loyalty.Panic is optional — preparation is powerful.Time Stamps00:00 — Welcome + holiday context 02:00 — Jen's opening take: systems fail (even trash bags) 05:00 — Todd's opening take: gratitude, perspective, slowing down 07:00 — Slow seasons are patterns, not emergencies 09:00 — Panic vs passivity (and why neither works) 11:00 — Seasonality, weather, and predictable slowdowns 13:00 — Why confirmation bias online keeps owners stuck 15:00 — What salon owners can work on during slow periods 18:00 — Budgeting, staffing, reserves, and planning ahead 21:00 — Marketing consistency vs last-minute scrambling 23:00 — Opportunities hidden inside open schedule space 25:00 — What stylists can do to prepare before slow seasons 27:00 — Rebooking conversations that actually work 29:00 — Retention, education, referrals, and visibility 31:00 — Executing during slow seasons without panicking 33:00 — Leadership, morale, and coaching during downtime 35:00 — Social media is not a panic button 37:00 — Why discounting hurts more than it helps 41:00 — Client experience upgrades that don't involve discounts 44:00 — Small details that create loyalty 46:00 — Final thoughts: plan, embrace, panic is optionalLinks and Stuff:Our Newsletter Mentoring InquiriesFind more of our things:InstagramHello Hair Pro Website

Discover budget-friendly holiday tips and creative gift ideas on Dollars & Sense In this festive episode of Dollars & Sense, hosts Zach Keister and Rob Field dive into the emotional and financial realities of holiday spending. The show kicks off with lighthearted banter about holiday traditions and a playful debate over whether “Die Hard” counts as a Christmas movie, setting the stage for practical advice on surviving the season without overspending. Zach and Rob tackle two major topics: how to avoid blowing your holiday budget and how to give gifts that go beyond the usual — like helping loved ones start a 529 college savings plan or a UTMA custodial account. Listeners learn why emotions drive us to spend more, how “buy now, pay later” services can be a financial trap, and actionable ways to keep spending in check, from making gift lists to crafting homemade presents. The episode also introduces “No Spend January,” a challenge to help listeners recover from December's splurges by spending only on essentials for an entire month. With tips for planning ahead, breaking financial habits, and turning savings into fun, Zach and Rob show how the choices you make now can set the tone for the year ahead. Thinking about ways to be generous without getting tied up in financial knots? Wondering how to make your money work for you and your family? Tune in for expert insights, relatable stories, and a few laughs as Dollars & Sense makes budgeting and financial planning approachable—and even a little fun. 

Why do some people save every spare dollar, while others blow through their pay the moment it lands? It might have less to do with discipline and more to do with the way you were raised.Guest: Emily Stewart, ABC business reporter and author of Sensible MoneyIf this episode has you feeling *triggered*, you can sign up to Emily's handy money newsletter here (you're looking for Your Money Explained next to a picture of Emily). You might also like our previous chat about how to survive the cost of living crisis.  And if there are any topics you'd love us to cover, get in touch at quick.smart@abc.net.au--------You're listening to Quick Smart's summer season. We'll return with fresh episodes next year, but in the meantime please enjoy our special curation for the holidays. This episode originally aired on 17th June, 2025.

December is chaos. Holidays, travel, weather, kids, hosting, work, pressure to “make it special” – and then we act shocked when the credit card statement smacks us in January. In this 12 Days of Giving episode, I bring back money expert Rachel Duncan to walk through the one simple system she built to stop December from blindsiding her every single year: a recurring “Holiday Lessons Learned” calendar event that future Rachel is very, very grateful for.Rachel breaks down exactly how she built her holiday playbook: what went wrong, what worked, who actually enjoys which tasks, how much candy they really need for Halloween, why New Year's hosting hits different, and how all of that quietly adds up to real money. She shows you how she turned a chaotic season into a repeatable checklist that lives in her calendar and gets better every year instead of starting from zero every time.From there, we go straight into the money. We talk holiday “specialness” spending, why the real budget busters are the so-called “one-off” expenses, and how seasonal stuff like camps, hobbies, gifts, travel and parties are exactly what push people into debt. Rachel walks through her “holiday specialness” category, sinking funds, and even a controversial but smart use of a dedicated credit card you pre-load like a savings bucket. This isn't theory – this is how real families actually spend.Then we zoom out into the psychology. We hit future-self research, the idea of seeing your future self as a real person, and why we're willing to plan better for others than we are for ourselves. Rachel shares how aging a photo of herself, naming future-Rachel, and literally thanking “past me” changed how she spends in the moment. It's not about guilt. It's about taking responsibility for the version of you who has to live with December's decisions.If you're tired of swearing “next year will be different” and then repeating the same pattern, this episode is your line in the sand. We're giving you a concrete way to capture your own holiday lessons, track the real costs, and start funding them like adults instead of pretending we'll remember. This is part of our 12 Days of Giving series – one raw, practical episode every day from December 12–23 to get your money and mindset right heading into 2026.

How to Write Catchy Titles, Descriptions, and High-Impact Headlines for your websites, email marketing, social media marketing, Pinterest SEO, and more with Favour Obasi-Ike | Sign up for exclusive SEO insights.Episode Summary:In this comprehensive episode + guide on crafting effective digital headlines, titles, and descriptions to boost online engagement. The speaker emphasizes that metadata acts as the essential context for content, serving as the primary factor that drives click-through rates across platforms like Google, YouTube, and LinkedIn. Strategic advice includes maintaining a title length of approximately 55 to 65 characters to avoid text truncation while maximizing visual impact. I also recommend using odd numbers, brackets, and power words to leverage psychological triggers that improve visibility and user trust. Finally, the discussion frames intentional copywriting as a vital tool for business owners to transform passive web traffic into active conversions and long-term brand authority.In high-level digital strategy, titles, descriptions, and headlines are not merely decorative—they serve as the essential "key frames" of metadata. This content architecture bridges the gap between raw information and audience discovery by providing the necessary context (Author, Host, Duration, and Intent) that search algorithms require to categorize an asset. By transforming raw content into searchable, high-value assets, a strategist ensures that the brand is prioritized within the user's search journey.Favour emphasizes that structured delivery and architectural integrity correlate directly to business results. If a title fails to establish immediate relevance, the conversion path is broken before it begins. Success in the current landscape requires a commitment to iterative improvement—ensuring the "next version" of a title or metadata set is systematically optimized based on data rather than intuition. This log details the tactical framework used by Favour, currently ranked #2 (We Don't PLAY!) on the FeedSpot Top 100 Marketing Podcasts (trailing only Gary Vaynerchuk), to drive visibility across SEO, PPC, and email ecosystems.Deep Dive: The Quantitative Science of Click-Through Rates (CTR)To maximize ROI, content creators must move beyond "gut feeling" and toward research-backed optimization. Using industry benchmarks from Orbit Media and Moz, we can calibrate headlines to meet the psychological triggers that drive user action.-------------------------------------------------------------------------Next Steps for Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about our digital marketing services.>> Visit our Official website for the best digital marketing, SEO, and AI strategies today!>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------------Timestamps[00:00] Catchy Titles vs. Structure; Metadata as the "Context to the Content."[05:00] The 600-Pixel Rule; Pixel Weight (W vs. l); The 55-Character Sweet Spot.[10:00] Moz Study Analysis; Numbers in Headlines; Why Odd Numbers Win; Brackets and Transparency.[15:00] Power Words and Psychological Triggering; Tool Highlight: CapitalizeMyTitle.[20:00] Platform Evolution: Instagram as TV; LinkedIn SEO and the One-Time URL Edit Rule.[25:00] Case Study: Ranking #2 on FeedSpot; The Math of the 12-Hour Masterclass; Call to Action.Effective content strategy requires tracking the flow of information to ensure "next-version" improvements. The following log segments the Masterclass into thematic chapters, providing the "So What?" factor for each strategic shift.Chapters:Chapter 1: The Metadata Framework [00:00 - 10:00] Context vs. Content. This segment establishes that metadata is the "context" (attributes like host and duration) that allows users to value an asset before engaging. Without these key frames, even high-quality content remains invisible to search engines and the "Exact Searcher Intent."Chapter 2: The Utility of Catchy Copy [10:00 - 18:00] Visibility Across the Funnel. Effective copy acts as the primary catalyst for Click-Through Rates (CTR) across SEO, LinkedIn, and Email. The speaker frames catchy titles as functional tools that pre-condition the audience for engagement and conversion.Chapter 3: The Physics of the Pixel [18:00 - 25:00] Typography Weight. Moving beyond character counts, this chapter introduces the 600-pixel display limit. Strategists must account for the "weight" of individual characters (e.g., a capital "W" vs. a lowercase "l") to prevent truncation and maintain a professional aesthetic on the SERP (Search Engine Results Page).Chapter 4: The Psychology of Numbers [25:00 - 35:00] Time-Value Perception. This section evaluates how numbers (specifically odd numbers) impact user psychology. The "So What?" factor is the "minute-per-item" rule: users subconsciously equate the number of items in a title to the minutes they must invest (e.g., 10 ways = 10 minutes), directly influencing the decision to click.Chapter 5: Platform Evolution [35:00 - 45:00] Ecosystem Logic. The speaker analyzes Instagram's transition to "TV-style" content and LinkedIn's rigid SEO URL logic. The key takeaway is the importance of "Exact Title Match" to meet user intent while navigating platform-specific constraints like DM automation and hashtag limits.Chapter 6: The Podcasting Marathon [45:00 - End] The Milestone Logic. Highlighting the "eighth-episode hurdle" where 500,000 creators quit annually, the speaker discusses his 600-episode milestone and the necessity of IAB Tech Lab compliance. Long-term distribution success is a result of persistence and technical "due diligence."High-Value Quotes"Metadata... that's just another way of saying how do we get context out of this content. Those are attributes... that's the context to the content." - Favour Obasi-ike"A capital W has more weight than a small w. A capital L has more weight than a small l... that weight they carry is a pixel size digitally.""If somebody clicks and finds your content valuable, resourceful, accurate, and responsive, then anything that you're going to do from SEO to PPC ads... you're able to use consistently."Resources:Companies Passing Tech Lab Compliance Programs | Podcast Compliance DirectoriesHeadline Analyzer Tool: Write Better Headlines | Write Better Headlines HereSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Follow us on ⁠⁠Youtube⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠Facebook⁠⁠ | ⁠⁠Twitter⁠⁠If you like the pod, consider supporting us @ ⁠⁠https://redwhitenetwork.com/membership⁠Chapters00:00 Introduction and Season Reflections03:01 Bowl Game Expectations and Player Opt-Outs05:57 College Football Pay and Transfer Portal Dynamics09:02 ACC Championship Game and Notre Dame Controversy11:53 Coaching Changes and Program Comparisons14:58 Soccer Championship and Program Perspectives17:51 Balloons and Budgeting in College Sports29:34 The Future of College Football Financing31:37 The Impact of Private Equity on Athletic Departments32:45 Rethinking College Football Budgets37:10 Evaluating Player Salaries and Value40:51 The Changing Landscape of College Football Coaching46:10 NIL and the Future of College Athletics55:53 The Importance of Offensive Lines59:01 Analyzing NC State's Upcoming Schedule01:01:46 Basketball Coaching Insights and Challenges01:06:40 Evaluating Will Wade's Coaching Style01:11:01 The Impact of Player Transfers01:20:07 Reflections on Bowl Games and Team Momentum

In the Seattle Medium's Rhythm & News Podcast, Sheila Winston, a business consultant with Chase, provides insights into effective budgeting strategies. As financial pressures mount due to increasing costs and competing priorities, budgeting emerges as a crucial instrument for financial management. Interview by Chris B. Bennett.

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

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

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

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

SummaryIn our latest episode of The Daily Groomer, I'm joined by Elizabeth Gibbs as she shares her journey from washing her childhood dog to building Barkwood—a luxury grooming brand now featuring multiple mobile vans and a brick-and-mortar salon. We talk through her early days at Petsmart, the lessons she picked up while working with Jess Rona in LA, the challenges of launching and funding her own business, and how she's scaled while keeping her standards sky-high. Elizabeth opens up about pricing, facing fears, and the power of a strong team. This one's full of inspiration and real-world, hard-earned insight.Timestamps07:49 Celebrity Dog Grooming Experience13:14 Starting a Mobile Grooming Business16:48 Budgeting and Side Hustles Explained26:24 Charging for Quality Service30:54 Embracing Change and UncertaintyStay connected with our guest speakers! Follow them on their social media @gibbsgrooming. For more grooming tips, insights, and stories, check out our website at ⁠⁠⁠⁠The Daily Groomer⁠⁠⁠⁠. Join and be part of ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠The Daily Groomer Community⁠⁠!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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