Podcasts about budgeting

Ben Peterson comes on to discuss budgeting strategies for shippers heading into budget season, plus a slough of economic data to cover.  ⁠Follow the Freightonomics Podcast⁠ ⁠Other FreightWaves Shows⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3678: Joshua Becker explains why a spending plan works where a traditional budget fails, since a budget dictates what you can spend while a spending plan hands the control back to you. He walks through the three steps of the system: take-home pay, fixed monthly costs, and the discretionary income left over. The result is a clearer picture of your personal finances without tracking every transaction. Read along with the original article(s) here: https://www.becomingminimalist.com/trust-me-it-works/ Quotes to ponder: "The plan helps sort needs from wants as our fixed costs are initially calculated." "The plan does not require meticulous tracking." "It will result in new discoveries about the state of your personal finances." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

After returning from an unforgettable trip to Belize, we unpack the real reasoning and strategy behind our family vacations and why we still pay for our adult kids. We get candid about budgeting, the evolving parent-child dynamic, and why shared experiences mean more to us than other ways people spend money. This episode isn't just about vacationing; it's about how we intentionally invest in our family legacy and the connection we have.Key MomentsThe Question That Sparked It All: We debate how long we should pay for our adult children's vacations and the value of doing so 02:19.Budgeting and Avoiding Financial Stress: We detail how we plan for big trips, budget months in advance, and make sure there's no debt hangover post-vacation 04:21, 19:10.Double Standards and Evolving Roles: We reflect on parenting daughters vs. sons, shifting household roles, and how family needs change as kids grow up 02:36, 11:20, 12:16.Managing Splurges Without Regret: We share funny moments about setting limits on extravagant orders and making memories matter more than price tags 09:17, 10:09.Investing in the Family Tree: We reveal how prioritizing connection now is part of our bigger goal to change our family tree for generations to come 26:19.Practical Tips for Any Budget: We explain our step-by-step planning process, alternatives to all-inclusive options, and trade-offs for a no-regret, debt-free vacation 14:26, 20:00, 28:27.Why Listen?You should tune in if you're grappling with how to balance your own financial goals with staying close to family, especially as kids become adults. We keep it real about money, generational priorities, and how relationships grow when we're intentional about making memories. Whether you're a parent, soon-to-be empty nester, or just trying to plan a family getaway that makes everyone happy, we break down the “why” and “how” of vacation investments.Who is This Episode For?This episode is perfect for families navigating adulthood transitions, parents wondering how (and how long) to financially support grown kids, and anyone who values creating memorable experiences over material gifts. If you want practical budgeting tips plus heartfelt talk about legacy and connection, this conversation is for you.This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: www.AHCU.co/ForBetterandWorthOur website: www.forbetterandworth.comGet Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlightConnect with us:Instagram: @forbetterandworthYouTube: @forbetterandworthEricka: @erickayoungofficialChris: @1cbyoung

Most expense-tracking apps and bank categorization tools make it feel like your personal finances are handled, but tracking only tells you where your money already went. A real budget decides where it's going before you spend it. In this episode, Aimee breaks down why so many budgets fail, why restriction isn't the answer, and what a personal budget is actually for. If you've ever felt financially responsible but still find yourself catching up instead of ahead, this one's for you.Cashflow Calculator: https://aimeecerka.com/cashflowFor the full transcript and all links mentioned, see the blog post: https://aimeecerka.com/267Ready To Take Action: https://aimeecerka.com/podcastlinks

Most people dread PCS season for how much it drains the bank account — Jared flips it into a $7,500 payday. Back on the show, the host of the Military Miler podcast breaks down the exact moves he used moving his family from Italy to Japan: circuitous travel memos, leave in conjunction with official travel, stacking credit card credits, and pocketing thousands in COLA and utilities along the way. But this one goes deeper than travel hacking — it's a candid conversation about budgeting overseas, why your savings rate should bend to your values, and the trap of chasing financial independence so hard you forget to live. Practical tactics up front, real talk about "enjoying the ride" on the back half. Questions Asked: What's the strategy you're using to plus up your bank account before your next OCONUS assignment? Why did your chief recommend NOT going TDY en route, and how does transient BAH factor in? How does circuitous travel work, and how much does the Air Force reimburse per person? How do programs like LICWO (Leave in Conjunction with Official Travel) and circuitous travel actually save families money? What credit card moves are you stacking to get reimbursed for flights, fees, and pet travel? Living OCONUS, have you found any apps, tips, or systems that help track expenses and stick to a budget? Why did you switch from YNAB to Monarch Money, and what won you over? How do you handle irregular overseas bills, currency exchange, and fuel cards when budgeting? Which credit cards make sense overseas (foreign transaction fees, Visa/Mastercard acceptance)? How do you decide between living on base vs. off base — and paying above your BAH? What do you give up by chasing an extremely high savings rate, and is there a better balance? Where can people find you and what are you working on? Main Topics Covered: Turning a PCS into a profit: banking ~$2,500/month in saved COLA and utilities for a ~$7,500 net gain Circuitous travel and LICWO explained — and getting a $4,500-per-person reimbursement memo "The squeaky wheel gets the grease" — advocating for better travel options instead of accepting the worst flights Keeping family in a higher-BAH location, SCRA lease breaks, and shipping goods early to save Reducing the PCS burden on your spouse as part of the service member's job Credit card strategy: airline fee credits (Amex Platinum, Ritz-Carlton), Sapphire Reserve travel credits, and getting cat/pet fees reimbursed Budgeting overseas: YNAB vs. Monarch Money, auto-categorization, and creating spending rules Handling irregular utility bills, delayed charges, currency swings, and fuel cards abroad Building a bigger emergency fund and "don't spend your utility money" advice for new OCONUS airmen Foreign transaction fees — why annual-fee cards (waived for active duty) and Visa/Mastercard win overseas Weekly money meetings and aligning spending with your values (h/t Rebel Finance School, Ramit Sethi) Using points and miles to fly family in, book cheap intra-Asia trips, and buy "free" wants (Sonos speakers) A real-world redemption: 27,000 Alaska points + $150 vs. $1,600 cash for family flights Seasons of military life — the adventure vs. community continuum, and choosing per assignment The FIRE trap: why "sacrifice everything now" is shortsighted, and enjoying the ride to financial independence Bonus: Japanese microvans and minivans (Honda N-Box, Toyota Alphard, Delica) and the weak yen Links & Resources Mentioned: Military Miler podcast (YouTube and all podcast platforms) militarytravelrewards.com Monarch Money https://www.monarch.com/ (referral link for ~50% off first year) https://www.monarch.com/referral?code=iqj4r4ixad  Military Money Manual mentorship — militarymoneymanual.com/mentor Referenced first appearance: Military Money Manual episode 217 Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Have you ever looked at your account balance and thought:"I know I had money yesterday..."Welcome to the club.This week's Donut Hole tackles one of life's greatest mysteries: Where does all the money go?Join Cooper, Steve, and Alexis as they discuss:- Budgeting apps- Online banking tools- Subscription detectives- The suspicious number of coffee purchases showing up every month- Ways to track spending without making budgeting miserableBecause sometimes financial awareness starts with realizing you're paying for a streaming service you haven't opened since 2024.Tell us: What's the weirdest subscription you've forgotten to cancel?RCU Money Management: https://www.rcu.org/education-resources/financial-education/articles/about-money-management-in-online-mobile-bankingNerdWallet: https://www.nerdwallet.com/finance/learn/best-budget-appsFudget: https://www.fudget.com/Rocket Money: https://www.rocketmoney.com/Enrich Budget Calculator: https://rcu.enrich.org/budgetYNAB (You Need A Budget): https://www.ynab.com/

Gugs Mhlungu speaks with Paul Roelofse, resident Certified Financial Planner, about the growing impact of debt, even among high earners, and why financial wellbeing isn’t simply about how much you earn, but how you manage what you earn. Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702See omnystudio.com/listener for privacy information.

If you've ever sat at the kitchen table staring at a pile of bills, wondering how hard you're working and still feeling behind, Krista McLellan knows exactly how that feels. Widowed and raising children on her own, she rebuilt her life by learning how money really works—and now she helps others do the same. Krista is the founder of E&M Bookkeeping Solutions, an author, speaker, and Elite QuickBooks ProAdvisor who helps entrepreneurs stop fearing their finances and start understanding them. Known for her motto, "Ignorance isn't bliss, it's expensive," Krista teaches people how to take control of their money, build confidence, and create financial freedom. Visit embookkeeping.com/ where you can also get her free money guide. Follow @embookkeepingsolutions & E&M Bookkeeping Solutions Romani crushes this episode are Krista's friend Anne's mother Ulla Gronfors and Anne's sister Paivi Majaniemi, of Helsinksi, Findland. Visit the Finnish Romani AssociationThank you for listening to Romanistan podcast. Please subscribe, rate, + review, + share with your friends! Follow us on Instagram and Facebook @romanistanpodcast. Subscribe to our Patreon to join the conversation and our private community for just $5 a month. Or donate any amount to Ko-fi.com/romanistan. We depend on your support to keep going. You can book readings and events and take workshops with Jez at jezminavonthiele.com, and book readings and holistic healing sessions with Paulina at romaniholistic.com. Follow Jez on Instagram @jezmina.vonthiele & Paulina @romaniholistic. Get our book Secrets of Romani Fortune Telling wherever books are sold. If you love it, write us a review. Visit us at romanistanpodcast.com and email us at romanistanpodcast@gmail.com for inquiries. Romanistan is hosted by Jezmina Von Thiele and Paulina StevensConceived of by Paulina StevensEdited by Dia LunaMusic by Viktor PachasArtwork by Elijah VardoSupport the show

Let's talk money, Honey! In episode 133 I shared tips and specific steps to break free from lack and limitation to create more financial freedom to invest in your barrel racing. For many more barrel racing resources, visit BarrelRacingTips.com. Please subscribe, rate & review the show - thanks for listening!

How many days do you actually need? What should you budget? And what is the fastest way in from Heathrow? Tracy and Doug answer the 10 questions listeners ask most about visiting London, with the numbers and the reasoning behind each one.- How many days: why 4 to 5 is the first-timer sweet spot- When to go: the months we avoid, and why April catches people out- Getting around: zones, the £8.90 daily cap, Oyster versus contactless- Heathrow into London: Elizabeth line, Piccadilly line or the 15 minute Express- UK ETA: £20, two years, and the fake sites charging ten times that- Dual citizens: what you need to know if you are planning a UK trip- Budgeting: what to allow per person, and where it really goes- Food hacks: supermarket meal deals, explained for visitors- Day trips: Jane Austen's House by train, and Bath from Paddington- Where to stay: the Tube station rule that beats picking a postcode- Free London: which major museums and galleries cost nothing- Where to eat: Roast at Borough Market, Pick & Cheese, Cafe in the CryptPlus two new things from us: London Trip Quick Answers, a 30 minute live Zoom where you bring your specific trip questions to Tracy and Doug, and a new bonus episode on the last Thursday of every month covering what is on in London the month ahead.

You could hand two people a million dollars and one of them would be broke again within a year. The other builds a legacy. The difference has nothing to do with luck. Anthony O'Neal, author of Stop Living Paycheck to Paycheck, walks through the five phases that took him from borrowing money for car speakers to building a real estate portfolio he pays for in cash. He breaks down why 48% of people earning over $250,000 are still living check to check, and why your credit score might be lying to you about your actual wealth. This conversation gets honest fast. You'll hear what it actually felt like to write a will in your 30s, why his family assumed something was wrong the moment he brought it up, and the real reason his bank account resets to zero every few months even now. There's a moment near the end where Anthony explains the difference between being rich and being free, and it will change how you think about your next raise. You'll walk away with a completely different definition of what winning with money actually looks like. AO on Instagram AO on YouTube Pre-Order AO's New Book: Stop Living Paycheck To Paycheck Take Your Seat at the Table: Live an Authentic Life of Abundance, Wellness, and Freedom Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster The Graduate Survival Guide: 5 Mistakes You Can't Afford To Make In College In this episode you will: Discover the five-phase strategy for breaking the paycheck to paycheck cycle for good Learn why your credit score can quietly work against you and what to check instead Uncover the psychological reasons you overspend even when the money isn't there Build a system for merging finances with a spouse without losing your freedom Understand the real difference between looking wealthy and actually being wealthy For more information go to https://lewishowes.com/1968 More SOG episodes we think you'll love! Get More From Lewis! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How do you actually get your Executive Pastor to say "Yes" to new church tech gear? And on the flip side, what does your leadership team wish you understood about the church's finances?In this highly practical episode, we are joined by Pete Rodriguez, who shares his incredible journey of leaving his career during the Wall Street financial crisis to becoming an Executive Pastor. Pete brings his high-level financial expertise into the church tech world, breaking down exactly how to weigh a "want" versus a "need" when planning your AVL budget.ServiceCrew Resources LinkIn this episode you'll hear: 0:00 Intro: Pete Rodriguez Joins the Podcast!1:00 From the Wall Street Financial Crisis to Executive Pastor8:45 Budgeting: Weighing a "Want" vs. a "Need" in Church Tech11:45 Knowing When Your Church Should Actually Spend Money17:00 How to Pitch the Tech Gear Lifecycle to Your Executive Pastor21:30 Is It Time for a Budget Band-Aid or a Full Upgrade?26:00 Strategy: How to Stagger Your Gear Replacement Costs37:30 The Instant "Yes" and "No" for Church Tech Purchases44:00 Advice Pete Would Give to His Past Self as an XP45:00 What Every Executive Pastor Wishes Their Tech Director Knew47:00 What Every Tech Director Wishes Their XP KnewGet expert help and care on your next integration project with our friends at HouseRight here.  Get up to 80% off with our Barn Burner sale! Get 20% off the rest of our inventory with code BARNBURNER26.  Take our survey here and you'll get the full report emailed to you December 4th! Resources for your Church Tech MinistrySell Us Gear: Does your church have used gear that you need to convert into new ministry dollars? We can make you an offer here. Buy Our Gear: Do you need some production gear but lack the budget to buy new gear? You can shop our gear store here.  Connect with us: Sales Bulletin: Get better deals than the public and get them earlier too here!Early Service: Get our best gear before it goes live on our site here. Instagram: Hangout with us on the gram here! Reviews: Leaving us a review on the podcast player you're listening to us on really helps the show. If you enjoyed this episode, you can say thank you with a review! 

Most people think budgeting is all about control.Others believe it's simply about awareness.In this Donut Hole, Cooper explains why you can't really have one without the other. From understanding where your money is going to setting up systems that help you save and pay bills automatically, budgeting works best when awareness and control go hand in hand.If you've ever struggled to save money, overspent because cash was sitting in your account, or felt overwhelmed by financial goals, this episode is for you.- Learn practical budgeting strategies- Build better money habits- Stay focused on your financial goals

Front CFO & COO Meredith Finn joins CJ to explain why finance leaders are taking on more of the operator's job. They break down the CFO-COO dual mandate, how Front funds new bets inside a mature SaaS business, why AI requires more coordination than simply handing everyone new tools, and how finance teams should think about the growing cost of AI.—SPONSORS:Brex is an intelligent finance platform with AI-powered workflows that enforce expense policies at the point of sale, match receipts automatically, and reduce month-end close from weeks to hours. Thousands of companies, including Anthropic, Coinbase, and DoorDash, already run on Brex. Stop asking A-level finance talent to do B-level admin work. Learn more at https://www.brex.com/metricsAnrok is the sales tax platform that watches your exposure everywhere, automates compliance, and flags risk before it turns into a surprise back-tax letter from a state you've never set foot in. Companies like Anthropic, Notion, and Vanta already trust Anrok to stay ahead of rules that move faster than any spreadsheet can. Talk to a sales tax expert for a personalized exposure estimate at https://www.anrok.com/rtnRightRev is a revenue recognition platform built for the AI economy, helping finance support usage-based pricing, credits, hybrid contracts, seats plus consumption, and whatever commercial model comes next. It gives product teams the freedom to keep innovating without outdated revenue systems slowing them down. Learn how RightRev can help at https://rightrev.com/cjPulley is an equity management platform that lets you issue options, model dilution, and complete 409As without your cap table turning into a spreadsheet disaster. Founders raising, hiring, and scaling use Pulley to keep equity clean and stay focused on building. Learn more or request a demo at https://pulley.com/mostlymetricsRillet is an AI-native ERP built for modern finance teams that want to replace NetSuite and close faster. With revenue recognition, close management, multi-entity support, and native Stripe and Salesforce integrations, Rillet helps scaling companies run their finance stack in one place. Hundreds of teams, including Windsurf and Mercor, use Rillet to make the zero-day close real. Book a demo at https://www.rillet.com/cjMaximor is an autonomous finance platform that runs order-to-cash, procure-to-pay, the close, cash management, and reporting on self-learning agents instead of a dozen disconnected tools. One PE-backed customer posts 98% of transactions directly to its ERP, with the remaining 2% routed to a human for review. You pay for outcomes, not seats. See it at https://www.maximor.ai/—LINKS: Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNGuest: https://www.linkedin.com/in/meredithfinn1/Company: https://front.com/CJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:Adam Swiecicki - CFO of Ripplinghttps://youtu.be/JyGJVpmZNacAurélien Nolf - CFO of Navanhttps://youtu.be/siwzJSRXAvY—TIMESTAMPS:0:00 The CFO/COO Dual Mandate1:45 Welcome to Run the Numbers2:52 Front's In-House Podcast Studio3:41 Meredith's Investment Thesis on Front7:21 The "Portfolio Career" Analogy8:35 What She Had to Unlearn as an Operator13:13 Books on Strategy vs. Execution16:17 When a CFO Should Also Be COO18:27 What the COO Hat Actually Covers20:20 Where the Two Roles Conflict25:42 Budgeting for AI Token Costs29:16 Using Internal Usage as a Benchmark35:40 Funding a Series A Bet Inside a Series D Company38:04 Sizing Bets: Core, Adjacent, Moonshot40:04 The Secret to Re-Accelerating Growth41:46 Going Deeper, Not Wider43:18 What the Pricing Overhaul Taught Her47:30 Why Customer P&L Matters50:11 Lightning Round Begins51:32 Advice to Her Younger Self52:33 Front's Finance Tool Stack53:21 Craziest Expense Ever#RunTheNumbersPodcast #CFOLife #FinanceLeadership #AIinFinance #SaaSGrowth

There's a version of financial responsibility that looks a lot like discipline but can quietly become something else: an inability to ever stop optimizing. Chasing 0.2% more interest. Driving fifteen minutes out of the way for cheaper gas. Budgeting so tightly that a $5 bottle of multivitamins feels like a crisis. Wealthy Kids Club founder Maya Corbic joins Carol Ann Desiderio and Jesse Cramer for a genuinely fun debate about where the line actually sits, and what over-optimizing quietly costs when nobody's counting it.What You'll Walk Away WithA simple test for telling the difference between smart optimization and time-wasting perfectionismWhy budgeting "until it hurts" can quietly damage your relationship with money more than it helpsThe real math behind small optimizations, like driving out of your way for cheaper gas or chasing a slightly higher savings rate, and when they're actually worth itA reframe on "one more year" retirement thinking that flips the entire question aroundWhy letting kids make small, reversible money mistakes teaches more than any lecture ever couldThe surprising overlap between "still researching the best option" and simply avoiding a decisionWhy the biggest lever in your investment returns has almost nothing to do with picking the "best" individual stockWhy This Matters NowIt's easy to assume that more research, more comparison, more fine-tuning always makes for a better financial decision. But there's a point where that instinct stops protecting you and starts costing you, in time, in joy, and sometimes in the decision never actually getting made at all. Recognizing when a plan is genuinely good enough isn't giving up. It's redirecting your energy toward the things optimization can't fix: time with people you love, work that fulfills you, and a life that isn't built entirely around squeezing out one more percentage point.From the BasementA wild detour into the 1964 Great Plymouth Mail Truck Robbery keeps the crew's year-long trivia race razor close, while an entirely unrelated cookie heist upstairs in mom's kitchen proves that not every optimization scheme goes according to plan.Resources MentionedWealthy Kids Club — Maya Corbic's family financial education programPersonal Finance for Long-Term Investors podcast — Jesse Cramer's show, referenced episode: "Is My DIY Financial Plan Working?"Stacking Benjamins Benjamins After Dark meetups — local in-person Stacker meetup groups, including BostonGranola — AI-powered meeting notes tool mentioned in the sponsor breakSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Kaile Garcia interviews Aly Wood, a former tech professional, stay-at-home mom, military spouse, and future CFP, about financial tips for new mothers navigating postpartum, maternity leave, and potential shifts to one income. Aly shares her surprise pregnancy, breech baby, and positive scheduled C-section experience, then discusses the emotional and practical adjustments of leaving a high-earning job, including money guilt and planning for military pay uncertainty. She recommends tracking spending with a budgeting app (they use Monarch Money), building baby expenses into monthly/annual budgets, and using registries informed by other parents' must-haves to avoid unnecessary purchases. Cost-saving strategies include investing in “grow-with-me” items, saving gradually for big purchases, buying secondhand when safe, and shopping sales. They emphasize budgeting as “favors for future you,” aligning spending with family goals, and starting financial conversations as a team. Don't forget to follow us on Instagram for more information giveaways and more. Our handle is ⁠@NewMommyMedia⁠ and follow us on ⁠Patreon⁠! You get behind the scene clips, blog posts, videos and the episodes a week early and ad free! Complete our survey and enter to win a $50 gift card: ⁠⁠⁠⁠https://www.surveymonkey.com/r/P8GTTR3 Learn more about your ad choices. Visit megaphone.fm/adchoices

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, sometimes budgeting is less about following the “perfect” financial plan and more about making your money work for the actual life you're living.In this episode, we're talking through two real-life coaching situations that show exactly what that can look like.First up: pets. And not just one cute little pet with an occasional bag of food—we're talking multiple animals, grooming appointments, vet visits, specialty food, emergencies, and an annual pet budget that can easily hit five figures. When one savings bucket starts feeling like its own mini economy, it might be time to give it its own checking account.We break down why creating a separate account for a large or complicated expense category can make budgeting so much easier. Instead of constantly transferring money back and forth, you can fund the account each month and let those expenses come directly from it. Less mental math. Less account juggling. More clarity.Then we get into HELOCs.One of Vanessa's clients had already paid off her credit card debt, had her savings buckets dialed in, and was doing an amazing job planning ahead—but she still had a large HELOC. The question became: Does she need to attack that debt immediately, or can she choose to focus on other priorities right now?That leads us into a bigger conversation about fake financial urgency.Sometimes we feel like we should pay something off faster because that's what we've heard we're supposed to do. But your budget doesn't have to be built around someone else's priorities.We talk about looking at the actual numbers—interest rates, whether the debt is fixed or variable, and how it fits into your bigger financial picture—while also asking a very important question:What actually matters to you right now?Because paying off debt is important, but so is building a budget that keeps you from going back into debt. Saving for future cars, kids, travel, pets, and everything else coming your way matters too.And yes, we also explain why a HELOC can be a little bit like keeping Oreos in the house. Sometimes the easiest way to avoid constantly taking “just a little more” is to recognize how tempting easy access can be in the first place.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

In this episode, John Kennedy and Brandon Hatcher look back at the financial lessons that often don't get taught in school. From budgeting and saving to investing, spending, and building good money habits, they share practical advice for teaching the next generation how to feel more confident and intentional with money.   01:54 Back To School 03:20 Financial Literacy First 05:07 Breaking The Excuse Loop 08:20 Experiential Learning Ideas 16:06 Life Skills in School 17:11 Psychology And Identity 20:20 Finances As Core Curriculum 21:06 Budgeting in School 30:55 Time and Fitness Investing 34:40 Free Financial Course Shoutout

Siyabonga Motha, standing in for Bongani Bingwa, is joined by Nicolette Mashile, founder of Financial Fitness Bunnies, to discuss what financial independence really means for women and the practical steps you can take to start building it. You’re listening to The Aubrey Masango Show with Aubrey Masango, where real conversations meet expert insights – from politics to life, personal finance, and more. Thanks for listening. Listen live on 702 weekdays from 8 pm to midnight, or on CapeTalk from 8 pm to 9 pm (South African time) https://buff.ly/gk3y0Kj For more from the show and catch-up podcasts, visit Primedia+ here https://buff.ly/gk3y0Kj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Keep the conversation going online: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/capetalkza/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Retirement planning is about more than reaching a savings goal. It also means preparing for healthcare costs, changing income needs, housing decisions, relationships, purpose, and the transition into a completely different stage of life.   This week, Regina shares 10 important things to consider before retirement, including how to budget for a longer life, understand your income sources, prepare for healthcare expenses, manage debt, and plan for required minimum distributions.   She also explains why the emotional and personal sides of retirement matter just as much as the financial ones. From creating a daily routine and maintaining social connections to updating your legal documents and finding purpose beyond work, a successful retirement requires planning for the life you actually want to live.   Episode Highlights:   0:00 - Welcome to Women and Wealth 0:45 - 10 things to know about retirement 1:54 - Budgeting for longevity and inflation 2:55 - Understanding your retirement income sources 4:15 - Planning for healthcare and long-term care costs 5:12 - Managing debt before retirement 6:34 - Required minimum distributions and Roth conversions 7:34 - Making the shift from saving to spending 9:31 - Keeping legal documents and beneficiaries updated 11:05 - Downsizing, relocating, and aging in place 11:53 - Creating a healthy daily routine 13:54 - Finding purpose and identity beyond work 16:53 - Preparing for a fulfilling retirement 17:13 - Closing thoughts and how to connect    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by MFS Fund Distributors, Inc.   For a list of states in which I am registered to do business, please visit www.forgewealth.com. MFS Fund Distributors, Inc. is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management  

On today's episode Mike Farley is joined by guest Hunter Gary of H2 Outdoor Living from Middle Tennessee, to discuss how Hunter entered pool design and launched his design firm three years ago and a newer build/GC arm. They focus on why detailed construction and hydraulic plans matter to prevent costly, hard-to-fix underground plumbing problems and to ensure apples-to-apples bidding. The epsiode outline homeowner red flags and checkpoints, including clean, well-laid-out equipment pads, photo documentation, flow meters, and builders who can explain pump curves and turnover rates. They emphasize larger plumbing, variable-speed pumps, cartridge filters, proper circulation, quieter systems, safety/entrapment avoidance, Venturi skimmers, in-floor returns/cleaning, and correct design of perimeter overflows and vanishing-edge basins, including surge capacity and filtration/sanitation.   Discover more and connect: https://h2outdoorliving.com/ https://www.farleypooldesigns.com/ https://www.youtube.com/@MikeFarleyDesigns https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/   Watch episodes on YouTube: https://www.youtube.com/@MikeFarleyDesigns/podcasts   00:00 Podcast intro 01:17 Meet Hunter Gary 02:07 How He Started 03:44 From Service to Design 07:41 Million Dollar Challenge 08:43 Launching His Company 10:20 Design Process Explained 12:41 Why Working Drawings Matter 15:41 Hydraulics Intro 17:54 Equipment Pad Clues 20:14 Photos and Hydraulic Plans 24:40 Circulation and Filtration 29:23 Pipe Sizing and Efficiency 34:15 Noise and Suction Lines 36:58 Pumps for Water Features 39:58 Turnover and Flow Meters 41:11 Flow Meters and Turnover 42:35 Venturi Skimmers Explained 43:49 Main Drains vs Skimmers 44:51 Service Knowledge Pitfalls 48:12 Hydraulics Are Just Math 50:22 Perimeter Overflow Returns 52:51 In Floor Circulation Systems 54:31 Vanishing Edge Basin Design 58:17 Equipment Pad and Expansion 59:40 Elevation and Split Equipment 01:01:29 Entrapment Safety and Drains 01:04:20 Budgeting and Spare Lines 01:08:27 Personal Q and A Wrap Up 01:12:06 Final Thanks and Mission    

What if retirement feels out of reach, but the real challenge is having a plan? Steve Hoyl and Derrick Caldwell discuss why many Americans believe they’ll work indefinitely, and how factors like income planning, budgeting, taxes, Social Security, Medicare, and investment strategy can shape retirement decisions. They share real-world examples, explain the value of understanding your options, and explore why retirement planning is often as much about behavior and preparation as it is about numbers. The conversation also highlights common obstacles, including debt, tax surprises, and uncertainty about what retirement should look like. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

If someone had handed me $1,400 in college, I would have spent every dollar shopping. In fact...I did. I walked away with bags of clothes, shoes, and accessories that made me feel happy in the moment. Years later, I can barely remember what I bought. I even accidentally threw away one of the shopping bags before realizing there was still a dress inside. Today, if you handed me that same $1,400, I'd spend it completely differently. I'd book a trip. Not because buying things is wrong. And not because spending money is bad. But because I've learned that some purchases continue adding value to your life long after the money is gone. For me, those purchases are experiences. In this episode, I'm sharing why I believe experiences are worth budgeting for, what research says about experiences and happiness, and how to spend intentionally on the things that truly enrich your life—without sacrificing your financial goals. Because building wealth isn't just about growing your bank account. It's about creating a life that your money allows you to fully enjoy.   In this episode, we discuss: Why experiences often create more lasting happiness than material purchases What research says about spending money on experiences versus things How travel and shared experiences become part of your story Why experiences often strengthen relationships and create lasting memories How experiences can help you discover what you truly value Why intentional spending looks different for everyone Why meaningful experiences don't have to be expensive How to balance financial goals with enjoying your life today Letting go of guilt around spending on what matters most How to build a budget that reflects your values instead of someone else's expectations   This episode is especially helpful if you: Feel guilty spending money on travel or experiences Want to enjoy life without feeling like you're falling behind financially Are trying to balance saving money with creating meaningful memories Want your spending to better reflect your values Have financial goals but don't want to put your life completely on hold Are working toward a life that feels both financially secure and deeply fulfilling   Why this matters: Managing your money isn't about saying no to everything you enjoy. It's about making intentional decisions that support both your future and your present. When your spending reflects what truly matters to you, money becomes more than numbers on a spreadsheet. It becomes a tool for creating memories, strengthening relationships, exploring new places, and building a life that feels rich in more ways than one. The goal isn't to spend more. The goal is to spend better. To spend on the experiences, people, and priorities that continue adding value long after the money is gone. Because when your budget aligns with your values, it becomes easier to spend confidently, save intentionally, and let go of the guilt that so often surrounds money.   Timestamps: [01:23] Raya shares her evolution with spending: some purchases continue adding value to your life long after the money is gone. [04:40] Research has shown that experiences bring more lasting happiness over material purchases. Experiences become a part of our story. [09:07] Raya shared the background of her first international trip with her then-boyfriend. It was quite intense for 23-year-olds who had never traveled together. [13:06] There is a big difference between mindless spending and intentional spending. If it's planned for and fits in your budget, don't feel guilty for spending.   Resources Mentioned: Episode #143: My Travel Bucket List and Destination Experiences Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program If this episode encouraged you to think differently about your spending, I hope you'll take a moment to ask yourself a simple question: What experiences matter most to me? Because once you're clear on the answer, you can start building a budget that reflects it. Your financial goals and your life experiences don't have to compete with each other. With planning, intention, and the right financial systems, they can work together. Money isn't just meant to be managed well; it's meant to support a life you're excited to live. You are not behind…you are building. Consistency compounds. The steady work you're doing now is shaping your next level.

Today I talk about where budgeting can fail your pricing with Cost-Based vs Market Pricing.Sponsors:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cycle CPA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Knowledge Tree Consulting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Smart Growth Event⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PatioSEO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠How to Hardscape Headquarters⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Register for HNA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and Use Code: HTH for 50% Off

Learn how the best budgeting apps empower First Time Homebuyers to save for a down payment without sacrificing their current lifestyle or falling for predatory 'free' tools. SynopsisThis episode redefines budgeting as an empowering tool for First Time Homebuyers, not a deprivation strategy. We explore different budgeting styles and expose the critical difference between reactive spending trackers and proactive budgeting apps. Discover the top apps like YNAB and Monarch Money that help you intentionally save for your down payment while avoiding predatory 'free' financial services. Quote"A tracker tells you where your money WENT. A budgeting app tells you where it's GOING."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsHow can budgeting be an empowering "permission slip" rather than a restrictive "buzzkill" for First Time Homebuyers?What's the crucial difference between a spending tracker and a true budgeting app, and why does it matter for your down payment?Why should First Time Homebuyers combine Zero-Based Budgeting with the "Pay Yourself First" method for optimal savings?Which specific paid budgeting apps (like YNAB or Monarch Money) are truly worth the annual fee to hit your homeownership goals?How do "free" financial apps from companies like Rocket actually exploit young buyers and funnel them into costly, subpar services?Is it better to aggressively pay down debt or prioritize saving for a down payment as a First Time Homebuyer?How can you automate your savings and take back control of your finances without feeling judged or deprived?Referenced Episodes & Resources505 – First Time Homebuyer Step #5: Saving for a Home69 – Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And Beyond106 – Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home Buyers495 – Mortgage Calculators are Lying to You (First Time Homebuyers Beware)371 – Top Budgeting Apps for First Time Home Buyers in 2025HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

AvePoint (AVPT) CFO Jim Caci discusses the company's latest earnings report and its growing focus on AI trust and governance. Caci says executives are increasingly concerned about AI models, data security and how to safely deploy the technology, creating demand for tools that help businesses protect sensitive information and costs while still benefiting from AI.

Send us Fan MailYou can look successful on paper and still feel like it is never enough.In this episode, we have Elizabeth Husserl, a sought-out speaker, entrepreneur, registered investment advisor, mother and cofounder of Peak360, a boutique wealth planning firm. She expertly guides people to a deeper understanding of their relationship to money and wealth. But more than anything, she is a thought leader at the intersection of psychology and money. Her debut book, The Power of Enough: Finding Joy in Your Relationship with Money, is a paradigm- shifting exploration that invites readers to redefine success, loosen the emotional grip of traditional financial beliefs, and build a more joyful, self-aligned relationship with wealth.Why do so many women feel financially insecure even when the numbers look good on paper?Because we measure wealth mentally but experience it physically. We hit the metrics and the goalpost moves. The missing piece is learning to actually feel wealthy in your body, not just know it in your head.What is the wealth mandala and how do you use it?It is a circle with twelve human needs like health, connection, freedom, and purpose. You rate each one from one to ten and color it in. Then you look at your whole life like a flower and see where your time and resources actually need to go.What is the difference between money, wealth, and power?Money is a tool. Wealth is a state of wellbeing where your human needs are being met. Power is the agency to design your own life. None of them are the same thing and only one of them lives in your bank account.What is satiation and why does it matter more than gratitude?Gratitude is a heart experience. Satiation is a body experience. It is that feeling when a meal truly hits the spot. Elizabeth says we need to bring that same felt sense of enough into our financial lives, not just think it, feel it.How do you define enough when the world keeps telling you it is never enough?Start by feeling what enough actually feels like before you take it to a spreadsheet. Then do the math in five-year segments. And compound your moments of meaning the same way you compound interest.Join us for next week's Money Talks, “Your Complete Financial Protection Plan: Estate, Insurance & Investments Simplified” Most women have one of the three dialed in. Fewer have all of them. We're laying out exactly what you need to protect what you've built, grow it intentionally, and make sure it goes where you want it to go. Click here to register for FREE and bring your questions! Follow & connect with Elizabeth:WebsitePeak360 Wealth ManagementInstagram LinkedIn Book: The Power of EnoughChatGPT tool “Conversations with Money”Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

Could dating be wasting your money?

Planning to rent a car in Iceland? Learn how Iceland’s new road tax works, why it was introduced, how it affects tourists, and how you can save money on your rental. I’ll also explain why not all rental car companies charge the fee the same way and share my recommendations after living in Iceland for the past 10 years. One of the biggest reasons I recommend renting a car in Iceland is the freedom it gives you. Some of my favorite memories have come from pulling over at an unexpected waterfall, taking a detour because someone mentioned a hidden canyon, or completely changing my plans after seeing that the weather was better in another part of the country. Those spontaneous moments are often the highlights of an Iceland trip. That’s why, when Iceland introduced a new road fee at the beginning of 2026, I immediately started getting questions from members of the All Things Iceland community. People wanted to know: What exactly is Iceland’s new road tax? Why did Iceland introduce the road tax fee? Does it apply to tourists? How much will it cost? Should I still rent a car? How to budget for Iceland’s new road tax fee How can you save on a rental car in Iceland? If you’ve been wondering the same thing, you’re definitely not alone. In this guide, I’ll explain everything you need to know about Iceland’s new road fee, including why it was introduced, how it works, how it affects tourists renting cars and camper vans, how different rental companies handle the fee, and some practical ways to save money while planning your Iceland road trip. https://youtu.be/oqXebmLiA38 What Is Iceland’s New Road Tax? Although you’ll often hear people, including me, refer to it as Iceland’s new road tax, the official name is the kilometer fee, or kílómetragjald in Icelandic. The fee officially came into effect on January 1, 2026, and it’s designed to help fund Iceland’s road infrastructure in a different way than before. Under the standard government system, most passenger vehicles are charged 6.95 ISK per kilometer driven, although rates vary depending on the vehicle’s weight and classification. Unlike a toll road where you stop to pay at a booth, this fee is based on the total number of kilometers a vehicle travels. For Icelandic residents who own a vehicle, the fee is reported and paid according to government regulations. For visitors, however, the process is much simpler because your rental company handles it for you. That means you don’t have to register with the Icelandic government or report your mileage yourself. Instead, the rental company collects the fee as part of your rental agreement before paying it to the government. This is where many travelers become confused because not every rental company chooses to pass that fee on in the same way. I’ll cover that in detail a little later because understanding this difference can make budgeting your trip much easier. Experience Tip: One thing I’ve noticed after helping thousands of travelers plan trips to Iceland is that most people assume every rental company calculates this fee exactly the same way. That’s actually not the case, and knowing the difference before you book can save you both money and uncertainty when you’re planning your budget. Why Did Iceland Introduce the Kilometer Fee? Moving Away from Fuel Taxes At first glance, it’s easy to assume that Iceland simply added another fee for travelers. But the reality is a bit more nuanced. For many years, Iceland paid for a significant portion of its road maintenance through taxes on gasoline and diesel fuel. The idea was simple: the more you drove, the more fuel you purchased, and the more you contributed toward maintaining the country’s roads. That system worked well when nearly every vehicle relied on fossil fuels. However, Iceland has seen a rapid increase in hybrid and fully electric vehicles over the past several years. Those vehicles still use the roads every day, but they purchase much less, or no, gasoline or diesel. As a result, the government was collecting less revenue from fuel taxes while road maintenance costs continued to grow. The kilometer fee was introduced to create a funding system that applies more consistently across different types of vehicles, regardless of how they’re powered. As with any major policy change, it has generated plenty of discussion within Iceland. Some residents feel the reduction in fuel taxes doesn’t fully offset the new kilometer fee, while others see it as a fairer way to fund the country’s road network. For travelers, though, the most important takeaway is understanding how the fee works and how your rental company chooses to collect it, because that’s what will ultimately affect your budget. Does the Kilometer Fee Apply to Tourists? Yes. Whether you’re visiting Iceland for a long Ring Road adventure, spending a week exploring the South Coast, or taking a short getaway around Reykjavík and the Golden Circle, this new fee applies to rental vehicles. If you’re someone who loves taking scenic detours (and trust me, Iceland will tempt you to do exactly that), knowing how your rental company charges this fee can give you much more peace of mind. How Rental Car Companies Charge Iceland’s New Road Fee Some Companies Charge by the Kilometer This is probably the pricing model most travelers expect. Some rental companies simply pass the government’s kilometer fee directly on to you. When you pick up your vehicle, the current odometer reading is recorded. When you return it, the rental company calculates how many kilometers you’ve driven and charges the corresponding road fee. The benefit of this approach is that you’re paying for exactly the distance you traveled. If you only plan to drive around Reykjavík for a couple of days, this could result in a relatively small road-fee charge. The downside is that your final cost isn’t always easy to predict. If your plans change, which they often do in Iceland, you may end up driving much farther than you originally expected. Suddenly, that carefully planned travel budget starts to look a little different. Other Companies Charge a Flat Daily Road Fee Some rental companies have chosen a different approach.vRather than charging based on every kilometer driven, they charge a fixed road fee for each rental day. For example, Go Car Rental Iceland and Go Campers currently charge a mandatory road fee of €10.50 per rental day, regardless of your insurance coverage or how many kilometers you drive during your rental. Personally, I really appreciate this pricing model. One of the first things I tell people planning an Iceland trip is to leave room for spontaneity. Maybe you hear about a hidden hot spring from another traveler. Maybe someone recommends an incredible canyon that wasn’t on your itinerary. Maybe the weather forecast changes overnight, and you decide to spend the day exploring a completely different region. Those things happen all the time here. With a flat daily fee, you’re free to make those decisions without wondering whether every extra kilometer is increasing your final bill. Instead, you already know what the road-fee portion of your rental will cost before your trip even begins. For me, that kind of predictability is worth a lot. Experience Tip: I’ve changed my itinerary countless times because of Iceland’s weather. It’s one of the best travel decisions you can make here. Having a predictable daily road fee means I can focus on enjoying the adventure instead of mentally calculating extra costs every time I decide to drive somewhere new. The Ultimate Guide to Renting a Car in Iceland If you’re still deciding which rental car is right for your trip, I’ve created a free Ultimate Guide to Renting a Car in Iceland that goes far beyond the new kilometer fee. Inside, I cover how to choose between a 2WD and a 4×4, Iceland-specific insurance recommendations, gravel roads versus F-roads, parking rules, winter driving tips, common mistakes to avoid, and much more. I recently updated it to include Iceland’s new kilometer fee, so you’ll have the latest information all in one place. Click Here Is Renting a Car Is Still One of the Best Ways to Explore Iceland? Absolutely. Even with this additional cost, I still believe renting a car is the best way to experience Iceland for most visitors. One of the things I love most about living here is that Iceland constantly rewards curiosity. Some of the country’s most memorable places aren’t found on a typical itinerary. They’re discovered because you decided to stop at an overlook, follow a sign pointing toward a waterfall, or take a scenic detour after chatting with another traveler. Having your own vehicle gives you that freedom. You’re not rushing to catch a tour bus, worrying about train schedules, or feeling like you have to leave somewhere just because everyone else is. Instead, you can experience Iceland at your own pace. That’s something I think is incredibly valuable. Of course, the new kilometer fee does add another expense to your trip. But in the grand scheme of an Iceland vacation, I don’t think it’s a reason to avoid renting a car altogether. Instead, it’s simply another cost to understand and plan for before you arrive. Experience Tip: Some of my favorite days in Iceland have been the ones where I threw my original itinerary out the window because the weather was better somewhere else. That kind of flexibility is difficult to put a price on, and it’s one of the biggest reasons I continue recommending rental cars over guided tours for many travelers. Budgeting for the Iceland’s New Road Tax No matter which pricing model your rental company uses, my advice is simple: Plan for the road fee before you arrive. Just like budgeting for fuel, parking, or accommodation, this is now another normal part of planning an Iceland road trip. The good news is that once you’ve factored it into your budget, there really aren’t any surprises. In fact, I think the bigger financial mistakes people make when renting a car in Iceland have nothing to do with the road fee at all. Choosing the wrong type of vehicle. Skipping important insurance coverage. Driving roads that aren’t suitable for their rental. Or underestimating Iceland’s weather. Those are the kinds of mistakes that can cost hundreds, or even thousands, of dollars. Compared to those, understanding the road fee is actually one of the easier parts of planning your trip. Below is a way that you can save money on your rental car in Iceland. How to Save Money on a Rental Car in Iceland (Even With the New Road Fee) If you’re already planning to rent a car or camper van, there’s no reason not to take advantage of available discounts. I’ve partnered with Go Car Rental Iceland and Go Campers because I’ve personally used both companies for years, and they’ve consistently provided excellent customer service and reliable vehicles for my adventures around Iceland. When you book through my discount links, you’ll receive: Go Car Rental Iceland 7% off your rental Free 4G WiFi (simply select it under the Extras section when booking) Go Campers 7% off your camper van rental Free sleeping bag (select it in the Extras section) The discounts are automatically applied when you book through my links and enter your rental dates, making them an easy way to offset part of Iceland’s new road fee while supporting All Things Iceland at no additional cost to you. Continue Planning Your Iceland Road Trip Understanding the new road fee is just one piece of the puzzle. If you’re still deciding whether you need a 2WD or a 4×4, wondering which insurance is actually worth purchasing, or trying to understand Iceland’s gravel roads, F-roads, parking rules, and seasonal driving conditions, I’ve put everything together in my Ultimate Guide to Renting a Car in Iceland. It’s completely free, regularly updated, and designed to help you avoid the most common mistakes travelers make before they even arrive in Iceland. Frequently Asked Questions About Iceland’s New Road Tax Fee Can tourists avoid Iceland’s road fee? No. If you’re renting a car or camper van in Iceland, the road fee is part of the cost of driving. The way it’s charged depends on your rental company, but it isn’t something visitors can opt out of. Is it still worth renting a car in Iceland? Absolutely. Even with the introduction of the road fee, I still believe renting a car offers the greatest flexibility and allows you to experience parts of Iceland that many tour groups never visit. Why do some rental companies charge a flat daily fee? Some companies have chosen to simplify the government’s kilometer fee by charging a predictable daily amount instead. For example, Go Car Rental and Go Campers currently charge a mandatory road fee of €10.50 per rental day, regardless of how many kilometers you drive. Is a flat daily fee better than paying per kilometer? It depends on your travel style. If you’re planning very little driving, paying per kilometer could potentially cost less. However, if you’re planning a Ring Road trip or simply want the freedom to take spontaneous detours without thinking about every kilometer, many travelers, including me, appreciate the predictability of a fixed daily fee. Random Fact About Iceland Did you know that Iceland’s famous Ring Road (Route 1) stretches approximately 1,322 kilometers (821 miles) around the entire island? While many visitors dream of driving the complete Ring Road, some of the country’s most unforgettable experiences come from venturing beyond it. Scenic detours to places like the Snæfellsnes Peninsula, the Westfjords, the Westman Islands, or even into the remote Highlands often become the highlights of a trip. Snæfellsnes Peninsula Westfjords Westman Islands Highlands of Iceland That’s one of the reasons I think it’s so important to understand how your rental company charges Iceland’s new road fee. If your itinerary changes—and trust me, it often does because of weather or unexpected discoveries—you’ll already know what to expect when it comes to your driving costs. Icelandic Word of the Day One of my favorite parts of the All Things Iceland podcast is sharing an Icelandic word or phrase at the end of each episode. Today’s word is: Kílómetragjald Pronunciation: KEE-loh-meh-trah-gyald The word is made up of two smaller Icelandic words: Kílómetri = kilometer Gjald = fee or charge Put them together, and kílómetragjald literally means “kilometer fee.” This is the official Icelandic term used to describe the country’s new distance-based road charge that came into effect in 2026. So, if you happen to see news articles, government information, or conversations in Icelandic about the new road fee, you’ll likely come across the word kílómetragjald. It’s a fun word to know—not just because it relates to this topic, but because it also gives you a little insight into how Icelandic words are often built by combining smaller words to create a very literal meaning. Planning to rent a car in Iceland?  Before you book, grab my free Ultimate Guide to Renting a Car in Iceland. It includes everything you need to know about Iceland’s new kilometer fee, choosing the right rental car, insurance, F-roads, parking, winter driving, and more. And if you’re ready to book your rental, don’t forget to use my 7% discount links for Go Car Rental Iceland (plus free 4G WiFi) or Go Campers (plus a free sleeping bag) to save money on your trip.

“Know well the condition of your flocks, and give attention to your herds.” - Proverbs 27:23 Most of us no longer measure our wealth in flocks and herds, but the wisdom of Proverbs 27:23 remains just as relevant today: faithful stewardship requires attention. When we do not know what we have, where it is going, or what it is accomplishing, we cannot manage it wisely. That is where a budget can help. A budget is simply a plan for managing what God has entrusted to us. It is not intended to be a burden, a source of shame, or a rigid set of restrictions. It is a practical tool that helps us practice faithfulness. Begin With the Heart Biblical budgeting starts with the recognition that everything belongs to God. Our income, possessions, savings, spending, and giving have all been entrusted to our care. That means budgeting begins with a spiritual question before it becomes a financial exercise: Lord, how would You have me manage what You have provided? That question changes the purpose of a budget. We are not merely trying to make the numbers balance. We are asking whether our financial decisions reflect what we truly value. A budget can reveal where our money is drifting. Are our resources being absorbed by impulse, comfort, comparison, and accumulation? Or are they being directed toward generosity, provision, responsibility, and contentment? The goal is not simply greater financial control. It is greater faithfulness. Make Generosity Intentional Scripture never treats generosity as an afterthought. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” A budget allows us to give intentionally rather than reactively. Instead of waiting to see whether anything remains at the end of the month, we can prayerfully decide in advance how we want to support our church, ministries, neighbors, and others in need. Generosity should not be driven by guilt or compulsion. It should flow from gratitude for God's provision and a desire to participate in His work. Know Your True Income For those who receive a predictable paycheck, identifying monthly income may be relatively simple. A spending plan can be built around regular take-home pay. Variable income requires a little more care. Business owners, commission-based workers, freelancers, seasonal employees, and hourly workers may see their income fluctuate from month to month. In that situation, it is usually wise to build a budget around a conservative baseline. Review the previous six to 12 months and identify the lower-income periods. Then build your essential expenses around a realistic minimum—not your best month. When income is higher, decide beforehand how those additional dollars will be used. They might help you: Build savings Pay down debt Prepare for upcoming expenses Increase your generosity Without a plan, additional income can easily disappear into increased spending. With a plan, it can strengthen your financial foundation and expand your ability to serve others. Give Every Dollar a Job Giving every dollar a job does not mean spending every dollar. Saving is a job. Giving is a job. Paying bills is a job. Preparing for future expenses is a job. Your budget might include money for: Housing and utilities Food and transportation Debt repayment Emergency savings Retirement Insurance premiums Medical needs Car and home repairs School expenses Holidays and gifts The purpose is not unnecessary restriction. It is intentional direction. When every dollar has a purpose, your money is less likely to be consumed by whatever feels most urgent in the moment. Prepare for Irregular Expenses Many budgets fail because they account only for monthly bills. But real life includes expenses that do not arrive every month. Car maintenance, home repairs, annual subscriptions, insurance premiums, travel, gifts, school costs, medical expenses, and Christmas can all place pressure on a spending plan. These expenses are not true emergencies when we know they are coming. A wise budget sets aside smaller amounts throughout the year. Saving a little each month can turn a large, disruptive expense into a manageable one. Planning ahead does not mean we can predict everything. It simply means we prepare for what we reasonably can and trust God with what we cannot foresee. Build Financial Margin Margin is the space between what comes in and what goes out. Without margin, even a relatively small disruption can create stress or lead to additional debt. With margin, we are better prepared to respond wisely when needs and opportunities arise. Margin also makes generosity possible. Ephesians 4:28 instructs believers to work honestly so that they “may have something to share with anyone in need.” Budgeting helps create that kind of readiness. The goal is not to accumulate excess merely for our own comfort. It is to manage resources in a way that allows us to provide responsibly, respond compassionately, and give freely. Review and Adjust Regularly A budget is not a document you create once and then ignore. It should be reviewed and adjusted as circumstances change. Some months will require different priorities. Certain categories may prove unrealistic. Income may rise or fall. Unexpected needs may emerge. The goal is not perfection. The goal is faithfulness. For married couples, regular budget conversations can also create greater unity. Rather than allowing money to become a source of confusion or conflict, spouses can pray together, clarify their priorities, and make decisions as a team. A regular review gives you an opportunity to ask: How has God provided? Are we living within our means? Do our spending decisions reflect our values? Are we preparing wisely for the future? Is there room to grow in generosity? How Budgeting Shapes Us Budgeting is about far more than numbers. It can become part of our spiritual formation. It teaches us to recognize God's provision. It trains us to say no to one thing for the sake of a greater yes. It helps us practice contentment in a culture of comparison. It creates a framework for generosity before money is absorbed by lesser priorities. A budget cannot guarantee that life will go according to plan. But it can help us respond to God's provision with wisdom, gratitude, and purpose. Take the Next Step With the FaithFi App The FaithFi App is a Christian money-management tool designed to help you integrate biblical wisdom with practical financial decisions. More than a budgeting app, it helps you consider both the numbers and the heart behind them so you can steward God's resources with greater clarity and intentionality. Join more than 80,000 believers pursuing faithful stewardship and begin your 30-day free trial at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I need 12 more Social Security credits and recently took a job as a household manager. Should I be classified as a household employee or an independent contractor, and how would the IRS view that arrangement? I have a federal student loan with significant accrued interest. Do I need to pay off that interest before my payments begin reducing the principal? I've also been advised to refinance through a private lender. Should I keep the loan federal or convert it to a personal loan? I'm considering selling a mortgage-free multi-unit property worth about $700,000 to $800,000 and using the proceeds to buy two rental homes for around $250,000 each. What tax, financing, or ownership issues should I consider before making that move? My husband and I are debt-free, live within our means, and expect to receive an inheritance. We want to plan wisely for retirement, investing, Social Security, Medicare, our family, and generosity, but we struggle with analysis paralysis. How can we find a trusted advisor who shares our faith and can help us build a comprehensive plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday 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.

Many people believe building wealth is about making the perfect financial decision. The reality is it's about making the right decisions in the right order. In this episode of The Budgetdog Breakdown, I answer real listener questions about saving for college, prioritizing retirement, budgeting with unpredictable income, buying a home while investing, and overcoming the trap of comparing your finances to everyone else's. We discuss why retirement should usually come before college savings, how self-employed individuals can build a reliable budget, why financial comparison is one of the biggest wealth killers, and how creating simple systems makes every financial decision easier. Money isn't just about math. It's about priorities. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:19 College savings vs. retirement 06:07 Budgeting with variable income 09:37 Buying a home while investing 11:17 Escaping the comparison trap 14:28 Why retirement usually comes first 17:07 Final thoughts Key Takeaways • Retirement should usually be prioritized before college savings • Variable income can still be managed with a system • Financial comparison creates unnecessary stress • Clear priorities make difficult decisions easier • Planning beats guessing • Wealth is built through consistency, not perfection Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Your financial plan should reflect your priorities—not your emotions." "The only person you should compare yourself to is who you were yesterday." Your financial future isn't determined by having perfect timing. It's determined by building a system that supports your goals.

Author and Ramsey Solutions personality George Kamel discusses "Breaking Free From Broke," his guide to eliminating debt, building wealth and creating a step-by-step financial plan. Kamel also shares how he paid off $40,000 in debt and went from broke to millionaire within 10 years. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailA Nonprofit's equity strategy becomes meaningful when it changes how an organization budgets, hires, evaluates performance, develops policy, and serves its community. Bernardo J. Ruiz of Bridging International explains how to embed equity in nonprofit operations amid political pressure, funding risk, and organizational fatigue. This fresh conversation offers a clear operating principle: lasting equity requires leadership courage, adequate resources, assigned ownership, and measurable institutional change! Many nonprofits have issued statements, held training sessions, and hosted thoughtful conversations. But Bernardo warns that these efforts can fade when no one owns the implementation, funding disappears, or leadership treats equity as separate from everyday operations. “Equity must be baked into the walls of the organization,” he explains. That means incorporating it into strategic plans, policy development, job descriptions, compensation, performance management, program design, and leadership accountability. Without those operating structures, even well-intended initiatives can remain trapped in binders, websites, or annual presentations.Drawing from his experience with Seattle Public Schools, Bernardo describes how an equity policy was activated across 101 schools serving approximately 65,000 students. The system used televised board meetings, school-level conversations, internal equity teams, and recurring decision-making tools to keep the policy visible and connected to daily work. The discussion also examines how nonprofits can sustain their commitments when public language creates political or financial risk. Bernardo shares how some organizations have shifted from external messaging toward internal systems that address health disparities, access barriers, workplace culture, and service outcomes. Rather than measuring success by the number of conversations held, nonprofit leaders should ask what will be visibly different three to five years from now. “How is the organization going to change to better serve their people and the clients coming into their care?” Bernardo asks. Key Takeaways:• Equity must be incorporated into budgets, strategic plans, job descriptions, compensation, and performance systems.• Every initiative needs accountable owners with the authority and resources to implement it.• Training without structural change may produce temporary progress followed by organizational regression.• Seattle Public Schools activated its policy across 101 schools serving about 65,000 students.• Internal systems can continue advancing equitable outcomes even when public terminology creates funding risks.• Leaders should define the organizational outcomes they expect to see within three to five years.00:00:00 Equity That Moves Nonprofit Systems00:02:41 What Equity Actually Means00:06:04 Moving Beyond Statements and Training00:07:00 Embedding Equity Into Organizational Operations00:09:54 How Seattle Public Schools Activated Policy00:13:24 Why Targeted Strategies Can Benefit Everyone00:16:12 Why Nonprofit Equity Initiatives Fall Flat00:18:40 Responding to Political and Funding Pressure00:22:26 Measurable Change Versus Performative Campaigns00:24:20 Leadership, Budgeting, and Equity Fatigue00:28:05 Building Stronger Institutions From Within#DEIB #NonprofitEquity #TheNonprofitShowFind us Live daily on YouTube!Find us  Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits!  12:30pm ET   11:30am CT  10:30am MT  9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Send us Fan MailWe're BACK in the studio to break down what really goes on behind the scenes of an indie movie set.From hanging out late-night with the legendary Tony Danza and Mario Lopez to navigating the chaos of production, flight layovers, and getting "on a sick one" (you'll see what we mean

Learn how to build a one-month income buffer in your checking account and stop depending on each paycheck to cover the next bill. This month-ahead budgeting system can improve cash flow, make autopay easier, and reduce paycheck-to-paycheck stress.In this episode of The Financial Mirror, you will learn what a one-month buffer actually is, how it differs from an emergency fund, how to calculate the correct target, where to keep the money, and how to build the buffer gradually without trying to save the entire amount overnight.We also walk through a realistic example showing how someone earning $82,000 per year could build a $4,550 checking-account buffer using recurring contributions and selected one-time income.This episode covers:• How month-ahead budgeting works• Checking-account buffer vs. emergency fund• Why paycheck timing creates financial stress• How to calculate one month of planned spending• Where to keep your cash-flow buffer• How to build the buffer in stages• How to safely use autopay• Common buffer-building mistakes• How to automate your monthly financial systemMost financial problems are not math problems alone. They are structure and behavior problems. A one-month buffer creates a stronger structure by separating the day you earn money from the day you need to spend it.Subscribe to The Financial Mirror for practical, beginner-friendly financial education focused on clarity, structure, and long-term progress.#IncomeBuffer #OneMonthAhead #Budgeting #PaycheckToPaycheck #PersonalFinance #BudgetingForBeginners #CashFlow #MoneyManagement #FinancialPlanning #EmergencyFund #AutomateYourFinances #FinancialEducation #TheFinancialMirror

The second half of the year may be the perfect time to revisit your financial goals. Jackie Campbell discusses mid-year retirement planning, portfolio reviews, asset allocation, cash flow, budgeting, and preparing for life's unexpected twists. From inheritance decisions to investment rebalancing and organizing important documents, Jackie explores practical ways to stay aligned with changing circumstances while keeping your broader financial goals in focus. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Fluent Fiction - Danish: Balancing Vision and Budget: A Startup's Inspiring Journey Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-08-04-07-38-19-da Story Transcript:Da: Solen strålede gennem de store vinduer i den livlige Startup Incubator.En: The sun shone through the large windows of the lively Startup Incubator.Da: Det var sommer, og stedet var fyldt med energi.En: It was summer, and the place was buzzing with energy.Da: Unge iværksættere svirrede omkring.En: Young entrepreneurs buzzed around.Da: Blandt dem var Emil og Freja.En: Among them were Emil and Freja.Da: De stod ved indgangen og skævede mod det åbne rum, der snart skulle blive deres arbejdplads.En: They stood at the entrance, glancing into the open space that would soon become their workspace.Da: Emil, en ambitiøs iværksætter, var ivrig efter at starte sin første tech startup.En: Emil, an ambitious entrepreneur, was eager to start his first tech startup.Da: Freja var en kreativ designer med et øje for detaljer.En: Freja was a creative designer with an eye for detail.Da: De havde en mission i dag: at købe fornødne kontorartikler.En: Their mission today was to purchase necessary office supplies.Da: Men der var en udfordring.En: But there was a challenge.Da: Emil havde en stram budgetlægning, mens Freja søgte kvalitet og æstetik.En: Emil had a tight budget, while Freja sought quality and aesthetics.Da: Dette kunne være en vanskelig dag i butikken.En: This could be a difficult day in the store.Da: De gik gennem gangene i butikken.En: They walked through the aisles of the store.Da: Emil holdt en liste i hånden.En: Emil held a list in his hand.Da: "Vi har brug for skriveborde, stole og en printer," sagde han bestemt.En: "We need desks, chairs, and a printer," he said decisively.Da: Freja kiggede rundt.En: Freja looked around.Da: "Vi skal også have nogle flotte lamper og kunst til væggene.En: "We also need some nice lamps and art for the walls.Da: Det vil inspirere os og teamet," tilføjede hun.En: It will inspire us and the team," she added.Da: "Men vores budget er ikke stort nok til alt det," indvendte Emil med et bekymret blik.En: "But our budget isn't big enough for all that," Emil countered with a worried look.Da: Freja smilede.En: Freja smiled.Da: "Lad os se, hvad vi kan finde, der er smukt og overkommeligt."En: "Let's see what we can find that is beautiful and affordable."Da: Efter nogle timer i butikken havde de en vogn fyldt med varer.En: After a few hours in the store, they had a cart full of items.Da: Men da de nåede kassen, opstod der en konflikt.En: But when they reached the checkout, a conflict arose.Da: Beløbet på displayet oversteg deres budget.En: The amount on the display exceeded their budget.Da: Emil så på Freja.En: Emil looked at Freja.Da: "Vi har ikke råd til det hele."En: "We can't afford it all."Da: Freja sukkede.En: Freja sighed.Da: "Men se på de farverige kunstværker, de vil virkelig opløfte rummet."En: "But look at those colorful artworks; they will really uplift the space."Da: Emil tøvede.En: Emil hesitated.Da: Skulle han vælge det praktiske, eller give plads til Frejas vision?En: Should he choose practicality or make room for Freja's vision?Da: Mens de diskuterede, lyttede kassedamen med et smil.En: While they discussed, the cashier listened with a smile.Da: "Jeg kan se, I virkelig brænder for jeres projekt," sagde hun.En: "I can see you're really passionate about your project," she said.Da: "Lad mig se, om jeg kan give en rabat."En: "Let me see if I can offer a discount."Da: De blev henrykte.En: They were elated.Da: Denne gestus gjorde det muligt for dem at få næsten alt, hvad de ønskede.En: This gesture made it possible for them to get almost everything they wanted.Da: Emil indså, at der var værdi i Frejas sans for detalje.En: Emil realized the value in Freja's eye for detail.Da: Og Freja forstod nødvendigheden af at overholde et budget.En: And Freja understood the necessity of sticking to a budget.Da: De gik tilbage til incubatoren med en fornyet respekt for hinanden.En: They returned to the incubator with renewed respect for each other.Da: De vidste, at dette var begyndelsen på en succesfuld rejse.En: They knew this was the beginning of a successful journey.Da: Sammen kunne de balancere vision og virkelighed.En: Together, they could balance vision and reality.Da: I det solbeskinnede rum begyndte Emil og Freja at indrette deres nye kontor.En: In the sunlit room, Emil and Freja began to set up their new office.Da: Det var et harmonisk samarbejde, der lovede godt for deres startup-eventyr.En: It was a harmonious collaboration that bode well for their startup adventure. Vocabulary Words:shone: stråledelively: livligebuzzing: fyldt med energientrepreneur: iværksætterglancing: skævedeworkspace: arbejdpladsambitious: ambitiøsdesigner: designeraesthetics: æstetikchallenge: udfordringdecisively: bestemtinspire: inspirereaffordable: overkommeligtconflict: konfliktdisplay: displayexceeded: oversteguplift: opløftepracticality: praktiskepassionate: brænder forgesture: gestuselated: henryktediscount: rabatvalue: værdinecessity: nødvendighedrenewed: fornyetrespect: respektjourney: rejsebalance: balancereharmonious: harmoniskbode: lovede

Most independent retailers think the value of a trade show is measured by the deals they bring home. We disagree. The biggest return on investment isn't the discounts—it's the relationships you build, the ideas that challenge you, and the inspiration that helps your business grow. In this episode, we're kicking off Season 3 from SUPERZOO and sharing why trade shows have become one of the best investments we've made. We talk about making the most of every show, building meaningful industry connections, finding exciting new products, and why getting out of your store might be exactly what your business needs. In this episode: Why trade shows are about more than show specials Building relationships with brands and other retailers Making the most of any show—big or small Budgeting and planning for industry events Working on your business, not just in it If you've been saying, "Maybe next year," consider this your sign to start planning now. Your next great idea could be waiting on the show floor. Connect with the Pet Shop Girls! Find us anywhere you like to connect! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/petshopgirls⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join us in the Indie Insider Pet Professional Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/share/g/18XEvTjxMj/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join The Pet Shop Girls: Off The Record Substack Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://substack.com/@psgofftherecord?utm_campaign=profile&utm_medium=profile-page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit our website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.2petshopgirls.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get the Ultimate Video Making Tool Megaphone AI here: ⁠⁠⁠https://gmm.one/0b0b4fd8-bfd8-4247-b46d-791cd813f28a⁠⁠⁠ Check out our Partnership Programs for exclusive savings for Pet Pros: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://2petshopgirls.com/#03-1⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get Carly's Pet Nutrition Foundation Course: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://app.retailbrilliance.com/courses/269?tab=about&destination=%2Fcourses%2Fbrowse%3Fsearch%3Dpet%2520nutrition%26destination%3D%252Fcourses%252Fbrowse%253F_gl%253D1*176foeq*_gcl_au*MTg4MjkwMjc1NS4xNzc4Nzg1MzA3*FPAU*MTg4MjkwMjc1NS4xNzc4Nzg1MzA3⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Pet Shop Girls Podcast is for informational and educational purposes only. The views and opinions expressed by our hosts and guests are their own and do not necessarily reflect those of any sponsors or partners. Any business, marketing, or pet care advice shared on this podcast is general in nature and may not apply to your specific situation. The Pet Shop Girls Podcast and its hosts are not liable for any outcomes related to the use of the information discussed. This episode includes paid advertising.

Are you entering retirement’s third quarter without a clear game plan? In this episode, Brandon Bowen discusses why midyear can be an important time to review retirement savings, evaluate spending habits, reduce debt, and put idle cash to work. He explains how small adjustments today may affect your retirement readiness and shares a real-world example of building toward a long-term retirement goal through consistent planning and disciplined saving. Learn what questions to ask as retirement approaches and why regular plan reviews can help keep your strategy aligned with your objectives Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

A 40-year-old physician associate and his wife walked away from their jobs with $50,000 earmarked for a year of world travel. They returned having spent just $30,000—and visited 15+ countries across four continents. This isn't a story about deprivation or cutting corners. It's about strategic geography, intentional choices, and the freedom that comes from knowing exactly what you value. Key Topics Discussed Introduction and Background 00:00:00 Ginger introduces Zack, the "winner of life" from the 2025 end-of-year wins episode. Now 40 with a seven-month-old baby in Arizona, Zack reflects on how a year of travel reset his life trajectory. The Genesis of the Trip 00:03:30 Growing up poor but playing travel soccer planted early seeds. Working short emergency medicine shifts gave Zack flexible scheduling and the mental space to plan an exit strategy with his wife. Financial Foundation and Savings Rate 00:07:00 A 90%+ savings rate funded their dream. Complete financial transparency in marriage and childhood memories of family bankruptcy drove Zack to master personal finance young. Planning and Budgeting 00:10:00 They allocated $50,000 for travel plus another $50,000 for job hunting upon return. Research through books and blogs introduced "low burn and high burn" countries. Chasing the sun meant packing only lightweight clothing. The $30,000 Reality 00:15:00 Final spend: under $30,000. Strategies included medical volunteering, Workaway exchanges, teaching English for pay in London, hostels, homestays, and ruthless geo-arbitrage in Southeast Asia and South America. Travel Strategies and Workaway 00:20:00 Workaway connected them to free accommodation in exchange for skills. They secured a paid two-month teaching position in London and applied to opportunities like an alpaca farm in Norway (visa restrictions prevented that one). Building Community on the Road 00:28:00 Hostels, hiking groups, public transportation, and intentional conversations created friendships. A Malaysian engineer they met on a volcano hike later hosted them. Connection required showing up and being open. Life-Changing Inflection Points 00:33:00 Two moments shaped everything: his family's bankruptcy as a teenager and waking up in an ICU coma in 2018. The latter injected urgency into postponed dreams and clarified what mattered most. Overcoming Scarcity Mindset 00:38:00 Shifting from scarcity to abundance meant building systems aligned with core values. Evidence from past good decisions created confidence to bet on themselves. Favorite Destinations 00:44:00 Guatemala's active volcano El Fuego, cooking classes in Thailand, Colombia's unexpected beauty and value, Vietnam's month-long immersion, and the dream bucket-list destination of New Zealand. Reintegration and Lessons Learned 00:52:00 Coming home brought culture shock and relief from decision fatigue. They found jobs they loved. Travel isn't vacation—it's exhausting in different ways. Resources and Closing Thoughts 00:58:00 Rolf Potts' Vagabonding shaped their philosophy. Journaling preserved memories. No single resource fits everyone; customize your approach by exploring multiple perspectives. Notable Quotes Zack: "We ended up spending just under thirty thousand dollars. If I told you the list of activities we did and the places we visited, you would not think it was possible." Zack: "Easy decisions, hard life. Hard decisions, easy life. When you spend a lot of time thinking about the hard decisions and you go really deep on the core values of your life, then I think it makes it easier to create systems that will help you move forward." Zack: "Traveling teaches you simplicity in a very interesting way. When we came home at the end of the year, we had plenty of room to spare in our backpacks. Your mindset just really shifts from 'this is what we think we need' to 'this is what we need.'" Zack: "I woke up in a coma in the ICU. That experience really brought into perspective mortality and some sense of urgency to do…

Part 1 covered the foundation. Part 2 is about putting that foundation to work.In the second half of this conversation, CPA Robert Sushin joins The Heavyweight Collective to explore the wealth-building strategies that can change your financial future. The discussion dives into Roth IRAs, tax-free investing, compound growth, real estate tax advantages, and why understanding the tax code is one of the smartest investments you can make.The conversation also examines financial freedom beyond income, using entertaining hypothetical scenarios to reveal how people think about money, ethics, and long-term success. Together, the crew explores what it means to build wealth intentionally, protect it legally, and create opportunities that extend beyond a paycheck.If Part 1 was about building the foundation, this episode is about building the future.Tap in With US! Thanks for tapping in with The Heavyweight Collective! Make sure you follow, subscribe, and share with someone who needs this convo. Catch us on all socials for clips, updates, and more behind the mic. https://linktr.ee/TheHeavyweightPodcast

Timestamps - 0:00 – Intro: Aaron Returns to LL LIVE0:33 – Aaron's 7.4 cm Femur Lengthening and Bow-Leg Correction Overview1:14 – Femur X-Rays, Nail Removal, and Full Consolidation3:03 – Post-Removal X-Rays and How Strong the Bone Looks3:43 – Bow-Leg Correction: Osteotomy, Plates, Screws, and Bone Graft6:04 – Follow-Up X-Rays and Early Tibia Healing Progress8:04 – Weight-Bearing Rules After Bow-Leg Correction9:35 – Aaron Walking Four Weeks After Surgery11:44 – Pain Comparison: Bow-Leg Correction vs. Femur Lengthening14:26 – Live Q&A Begins15:45 – Shin Conditioning, MMA, and Tibia Bone Strength After Healing17:23 – Insurance, Costs, and Budgeting for Surgery19:02 – PMAX Quadrilateral Timing and Realistic Height Goals21:24 – Clothing, Proportions, and Life After 7.4 cm21:52 – Why Aaron Chose Limb Lengthening23:41 – Aaron's PT Routine and Pool Therapy “Cheat Code”25:42 – MK-677, Appetite, and Recovery Supplements28:01 – Bow-Leg Hardware: Keep It In or Remove It Later?29:37 – Why 10+ cm on Femurs Alone Can Be Problematic32:31 – Pre-Surgery Stretching and Mobility Prep34:42 – Peptides, Stem Cells, and Recovery Timing35:57 – Nerve Pain, Numbness, and Aaron's Recovery Timeline39:42 – Gabapentin, Ice, and Slowing Down for Nerve Symptoms40:52 – Master Distractor Joins with Weight-Bearing Update42:26 – Athleticism After Bow-Leg Correction44:21 – Tibia-to-Femur Ratio and Choosing Femurs First46:59 – Rebuilding Leg Muscle After Lengthening49:23 – Peroneal Nerve Release and PMAX Tibia Questions52:18 – Squatting, Ratios, and Biomechanics After Lengthening55:48 – Master Distractor's Recovery and Proportion Update1:07:09 – Athletic Tradeoffs After Limb Lengthening1:14:14 – Regret, Gatekeeping, and Doing LL for the Right Reasons1:18:42 – Is 7 cm Safe on Femurs?1:20:25 – Quadrilateral PMAX Timing and Final Q&A1:21:52 – Closing Sign-Off______________________Find Links to Everything Here and Below: https://sleekbio.com/cyborg4life

The Hidden Lightness with Jimmy Hinton – These encouraging trends serve as a reminder that cultural change doesn't always begin in government or large institutions. Sometimes it starts with ordinary people making wiser choices and inspiring others to do the same. The future may not belong to those with the biggest homes or the flashiest lifestyles. It may belong to those who...

Forget the birds and other environmental impacts, are taller buildings messing with lunar cycles? On this week’s show, our hosts explain how a proposed bill would stop building height from being treated as a significant environmental impact under state law. State Sen. Akilah Weber Pierson spoke about SB 958 at a committee hearing in June and explained how environmental laws have sometimes been used to slow housing projects. She cited Midway Rising and litigation that has stood in the project’s way. “Despite years of analysis and multiple EIRs, the most recent ruling from the California's fourth district court of appeal determined that environmental review when related to building height needed to include aspects that were not typically analyzed, including impacts on airflow, atmospheric conditions, lunar cycles, and wildlife attraction,” she said. Lunar cycles? Co-host Scott Lewis explains what’s at stake and why we’re going to keep talking about SB 958. Also on the show: The state is moving forward with a mesh barrier to deter suicides on the Coronado Bridge. They also plan to install AI cameras. 00:00:00 - The Padres Poncho Debate 00:04:15 - Politicians Performing: Bill Wells' Band & Scott Peters' Pull-Ups 00:08:47 - Mission Bay Restroom Closures & El Niño Budgeting 00:18:47 - SB 958, Midway Rising, and Lunar Cycles 00:26:28 - Politifest 2026 Announcement 00:28:03 - Coronado Bridge Suicide Prevention & AI Cameras 00:37:16 - Sea Lions in La Jolla & The Viral Kicking VideoSee omnystudio.com/listener for privacy information.

Send us Fan MailGrief and money can't be separated. It's like a lava lamp, you cannot separate it out.Meet Kathi Balasek, the Founder of Grief-Ready Communication for Financial Professionals, Firms, and Leaders. She helps advisors and organizations build the communication skills needed to support clients through loss, transition, and life-altering moments to strengthening trust, retention, and long-term relationships in the process.In this episode, we sit down with Kathi for one of the most powerful conversations we have ever had on this show. We talk about the financial rules nobody tells widows, like the fact that remarrying before 60 means losing your late spouse's Social Security forever. We talk about why widows are rushed into decisions that don't need to be made that first year. And we talk about what to say and what to stop saying to the grieving people in your life.This one is for every woman who wants to be more financially prepared, more empathetically equipped, and more honest about the conversations we are all too afraid to start.Do not wait until you need this information to find it. Join us for our next Money Talks session, "The Financial Checklist Every Woman Needs Before Losing a Partner" Click here to register for FREE and bring your questions! Follow & connect with Kathi:Website InstagramLinkedIn Modern Widows ClubWings of WidowsWidow 411Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

This episode isn't really about money strategies (though we get into some of that too). It's about why really intelligent, capable people avoid opening their bank statements, undercharge for their work, blow their savings the moment they make good money, or freeze right before pulling the trigger on an investment they know makes sense. We've been those people, and in this episode we're getting personal.  In this episode we talk about: Why two people can receive the exact same amount of money and have completely different experiences with it How your nervous system is running the financial show The GIC example that explains exactly how banks make money off your fear Why making more money doesn't fix a leaky financial foundation Our own money stories (including why I finally got my financial license, and what pushed me to do it) The "doors conversation" we had in our kitchen last week  Why we sold our Costa Rica house and got rid of our boat Budgeting as money awareness, not restriction The $25/month RESP investment that's going to make our kids millionaires How to get your teenager to actually care about investing (hint: don't be the one to have the conversation)   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Metabolic Guide | jennpike.com/metabolic-guide Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.  

Budgeting with irregular income is one of the biggest financial challenges in the service industry. In this podcast episode, we break down a practical 7-step system built for servers, bartenders, and anyone whose paycheck changes every week.#BudgetingTips #ServerLife #PersonalFinance #SavingMoneyGet Your Free Budget Guide: https://www.themodernwaiter.com/freebieFollow The Modern Waiter Podcast:Instagram https://www.instagram.com/themodernwaiterpodcast/TikTok https://www.tiktok.com/@UC29jIbBYXKxWMJBDFklmwHQ Subscribe for weekly episodes on server life, restaurant industry insights, and money tips for tipped workers.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On $55K a year, your first money move isn't a bigger paycheck. It's fixing the leak that's already there.In this episode, Anthony breaks down a sermon he gave at Union Church using the FAITH framework, showing why so many hardworking, faithful people stay broke even while praying, believing, and quoting scripture. If you're living on an average income and tired of your money disappearing before the month ends, this is where you start.Timestamps:0:00 Intro: The sermon that broke down money through faith2:15 Haggai 1:5: Why your paycheck goes in with holes already in it6:40 F: Give God your First (the tithing test on a real budget)14:20 A: Assign the other 90% (how to tell your money what to do)22:00 I: Increase your money (margin, saving, and building opportunity funds)29:30 T: Transformation (why your mindset has to keep evolving)33:00 H: Heritage (protection, paperwork, and preparation)40:00 The story of a man who died without a will, and what it cost his family44:00 Announcing the Freedom Circle community47:00 5 questions to ask before your next purchaseMentioned in this episode:Budgeting app (In The Black): anthonyoneal.com/appFreedom Circle community waitlist: coming soon, link to be addedHigh yield savings account breakdown (referenced episode): link in pinned commentWe're building toward 1 million E3 family members who are done being broke and faithful at the same time. If this episode challenged you, hit subscribe and share it with someone who needs to hear it this week.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

Chris’s Summary “Jim and I begin a multi-part discussion on the Fun Number, a retirement budgeting concept for how much someone can spend on what they want rather than what they need once other obligations are covered. Jim traces how the idea originated from a client hesitant to follow through with his retirement dreams despite having more than enough saved to do so. In response, a single undifferentiated portfolio evolved over time into separately identified reserve positions. Jim’s “Pithy” Summary Chris and I are kicking off a series on the Fun Number, the concept, along with the Minimum Dignity Floor, that I’ve built my whole approach to retirement budgeting on. This first episode lays the groundwork for a multi-part discussion, since arriving at that number means first identifying everything else that needs to be sorted out first. To get into where the idea actually came from, I tell the story of a client who had more than enough saved but still couldn’t bring himself to buy the camper trailer he’d been dreaming about for years. Watching that play out taught me something I just couldn’t shake: money sitting inside one big portfolio, all lumped together, is money many don’t feel safe spending, no matter what the math says. That realization led me to start pulling pieces out of a portfolio. It started with handwritten notes and a three-bucket approach that never quite solved the problem. I kept pulling pieces out, the way a kid digs through a toy box, separating out what’s needed for security and reserves so what’s left becomes visible and spendable, for whatever someone wants to do with it. That thinking eventually grew into what’s now called the See Through Portfolio. The post Retirement Budgeting – The Fun Number: EDU #2629 appeared first on The Retirement and IRA Show.

Christina P is back touring! Check her out in Chicago September 18th and 19th. Get your tickets at https://christinap.com/pages/tour-dates SPONSORS: Look for Mountain Dew in stores near you at https://mountaindew.com. Go to https://quince.com/mom for free shipping and 365-day returns Sign up for your $1 per month trial and start selling today at https://shopify.com/ymh For simple, online access to personalized and affordable care for Hair Loss, Weight Loss, and more, visit https://Hims.com/YMH. Sup, chomos! This week, Caleb Hammer, host of Financial Audit joins the Mommy Dome to talk money, mayhem, and the chaos of his own show. Caleb grew up broke and clawed his way out of massive debt, all while interviewing some of the internet's most financially unhinged people on Financial Audit. The conversation covers the actual hard math behind why most Americans can't survive an $800 rent payment, the case for buying a house even when renting is cheaper, and how nearly 40 states now require a personal finance class in high school, which means "nobody told me" will officially stop working as an excuse. Caleb also breaks down the wildest things his guests have said on camera, including unprompted racism, casual tax evasion confessions, and one woman who's never filed a return in her life with zero consequences. They also run through Horrible or Hilarious clips, debate whether financial domination clients just need to "drop the N-word" more, and dive deep into Mike Fedele, the only tax man offering both IRS advice and detailed sexual positioning tips in the same breath. Caleb also opens up about a serious flying phobia that led him to charter a tiny private jet just to feel in control, and gets talked into a future helicopter ride by Tom. Enjoy! Your Mom's House Ep. 866 https://tomsegura.com/tourhttps://christinap.com/https://store.ymhstudios.comhttps://www.reddit.com/r/yourmomshousepodcast Chapters 00:00:00 - Intro 00:01:26 - Delusions, Maxed Credit Cards, & Decades of Debt 00:05:14 - Building Financial Audit From Scratch 00:17:28 - Opening Clip: Hey Retard 00:18:53 - The "Blackie" Cruise Couple & Hard R Drops 00:27:35 - YMH Staff Financial Questions & Confessions 00:34:16 - 50/30/20 Budgeting, Diverse Portfolios, & Success Stories 00:41:37 - Mike The Tax Guy 00:46:37 - Cool Sales Pitches 00:47:58 - Horrible Or Hilarious 00:50:17 - General Advice & Fear Of Flying 00:56:26 - Clip: Leaky Rump 00:57:32 - Clip: Fancy Chef Wants To Meet The Mayor 00:59:11 - Austin Property Taxes & Niagara Falls 01:03:51 - More YMH Staff Confessions 01:08:41 - Food Stamps, Roommates & The Best Head Debate 01:15:51 - Closing Song - "Brass Tax" by The Onibaka Learn more about your ad choices. Visit megaphone.fm/adchoices