Podcasts about budgeting

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

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

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

Jim O'Conner is the COO of McNellie's Restaurant Group in Tulsa, OK. Jim grew up in MA and went to Tufts University. He studied in Spain and moved to Ireland for a year and really fell in love with true Irish pubs. He returned to the states and worked for Ford in Ann Arbor, MI and then moved to Tulsa with his wife where he discovered the McNellie's Group. He was such a fan of their businesses that he began working for them. The rest is history! We had CEO and Founder of McNellie's Group on the show for episode 1183! Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Franchise Law Solutions - Thinking about franchising your restaurant? Success doesn't have to mean 100 units overnight. With the right plan, you can build a profitable, local or regional franchise brand. The team at Internicola Law Firm — franchise lawyers and franchise development experts — will show you how.  Visit www.franchiselawsolutions.com. US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Email: jim@mcnellies.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

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

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

In this conversation, John Harcar and Joshua Smith discuss the importance of financial education and strategies for taking control of one's financial future. Joshua shares his personal journey from financial illiteracy to becoming a wealth strategist, emphasizing the concept of infinite banking as a powerful savings strategy. They explore the benefits of this approach, including guaranteed lines of credit and the ability to structure policies for generational wealth. The discussion also highlights the need for financial literacy and the resources available for individuals and families to improve their financial knowledge. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

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

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

Summer's here, and so are PCS moves and vacation costs. Discover practical budgeting strategies to stay mission-ready with smart financial tips and expert support from a financial counselor. Hear how personalized support services from Military OneSource can save you money and assist with everything from counseling and tax guidance to legal help and employment resources for spouses. Find out how reaching out for support can connect you with a network of experts ready to guide you through every twist of the military life journey. Host Bruce Moody speaks with Military OneSource Financial Counselor Joan Johnson. Service members and eligible family members can access financial counseling for free through installation programs and Military OneSource. Visit Military OneSource at https://www.militaryonesource.mil/benefits/financial-counseling/ to learn about the resources and support available to service members and their families. Bruce Moody is a public affairs specialist with the Defense Department's Military OneSource. Share your feedback about this podcast as well as ideas for future episodes by visiting the Military OneSource Podcasts Feedback Form at https://public.militaryonesource.mil/podcast-feedback. The Military OneSource Podcast series is an official resource of the Defense Department. For more information, visit MilitaryOneSource.mil or call 800-342-9647. Military OneSource is your 24/7 connection to information, answers and support to help you reach your goals, overcome challenges and thrive.

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

Our host Ben Rodgers sits down with the City Administrator for Algood, Keith Morrison. They talk all about what's going on in the city. Budgeting, planning, timelines, and more. Listen in for all of your important up-to-date Algood information. Listen To The Local Matters Podcast Today! News Talk 94.1

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

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

What are your capital budgeting choices?

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

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

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

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

In deze aflevering van Money Talks gaan we het hebben over budgetteren. Hoe begin je, wat is slim, en hoe hou je het vol? Hoe krijg je grip op je geld? Budgetteren kan je leren. We gaan samen met de financiële expert Revy Rosalia van Rabobank in gesprek. Hieronder vind je de belangrijkste tips en tools die in de podcast zijn besproken.Wat is eigenlijk budgetteren? Budgetteren betekent dat je kijkt naar wat je verdient en wat je uitgeeft. Dit geeft een goed overzicht van je geld en zorgt voor balans. Dat helpt je om slimme keuzes te maken. Lees meer over budgetteren. Waar geef jij je geld aan uit? Je kunt dit eenvoudig zien in de Rabo App onder Inzicht Je kunt dan precies zien hoeveel geld je uitgeeft aan bijvoorbeeld uit eten gaan. Aan de hand hiervan kun je jouw budget bepalen voor de komende maand. Wil je weten hoe je dit stapsgewijs aanpakt? Lees de 6 stappen om meer inzicht in je geldzaken te krijgen Een simpele budgetmethode is 50/30/20 regel. Je verdeelt de inkomsten (stufi, salaris) in 3 delen: 50% voor vaste lasten (huur, energie, etc), 30% voor persoonlijke uitgaven (kleding, uitgaan) en 20% voor sparen. Hoeveel spaar jij? Een goede vuistregel is om minimaal 10% van je inkomsten opzij te zetten naar je spaarrekening. Een tip is om dit direct na binnenkomst van je salaris automatisch over te maken naar een spaarpotje. Volg Rabobank via haar socials Insta & TikTok 

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

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

On today's podcast, Ross Johnson, Director of Sales at Integrated Rental speaks with PEG Member Scott Carnell, CEO of Winchester Equipment in Virginia, on the importance of the right rental software and how it can make a difference for dealers hoping to do more rental. Thanks for listening!Shout out to our sponsor, the Warnick Group! Check them out for help with anything related to your P&L, Balance Sheet, Budgeting, and more!

Let's talk all things pregnancy and motherhood! Clancy and Gabie wanted to sit down and answer allll of your questions, from how they knew they were ready to start a family to struggling with the TTC journey to what the newborn days are REALLY like.

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.Okay, a bit of levity to start the program today, but you know what's serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today's real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is Spring Still a Seller's Market?While spring and summer are still active seasons, seasonality in real estate isn't what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.There's a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.Selling a Home? Stand Out With These TipsIf you're on the selling side, you'll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:Price your home right from day one. Use recent comps, a professional appraisal, and work with a local agent who knows your area. Stage your home well. With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever. Declutter and simplify. Remove excess items and ensure the space feels open and welcoming—both inside and out.Buying a Home? Here's How to Prepare WiselyFor starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that's the other key point—know your budget. Don't rely solely on what a lender says you qualify for.Create a detailed budget based on your actual income and expenses.Consider your long-term financial goals, not just your current desires.Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.What About Mortgage Rates in 2025?Many are still waiting for interest rates to drop—but experts say don't hold your breath.The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.As inflation eases, mortgage rates may follow, but they're expected to remain relatively stable for now.If you're a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.On Today's Program, Rob Answers Listener Questions:I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In our new series Insights, go inside Class 9 of NEXT PM. In this short segment, Rachel highlights construction budgeting and explains how the most successful projects build their budgets in phases—each one tied to a growing level of project clarity. Enjoy the Insights and #BeNEXT.To learn more about NEXT PM, please visit our website at ⁠www.nextleadershipacademy.org/pm

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April came to my coaching program as a newly single mom, juggling grad school, parenting, and a full-time job — and feeling overwhelmed and out of control with her money.In this episode, April and I discuss how she went from considering bankruptcy to building financial confidence. You'll hear which beliefs finally shifted for her, the tough-love moment that helped her take ownership of her finances, and the simple but powerful habits she's using to stay on track today.Whether you're stuck in overdraft fees, constantly second-guessing yourself, or just want to hear a story of what's possible, April's journey is the reminder you need: it can get better — and you are more capable than you think.Get inspired by April's financial journey…[01:05] April's money story[08:33] Building self-trust and healthy money habits[16:30] April's accomplishments since starting coaching[22:23] How April knew she was ready for coaching[25:20] April's new relationship with moneyTune into this episode of Money Files to hear April's money story and how tough love, believing in herself, and building healthy habits has changed the way she thinks about and manages her finances.Get full show notes and the episode transcript: https://wealthovernow.com/mvp-why-april-chose-budgeting-over-bankruptcy-and-how-it-paid-off/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

From concert tickets and merch drops, being a fan is expensive! This lesson at School of Pop explores how to enjoy fandom without breaking the bank. Kat is joined by financial educator Alejandra Rojas, who shares advice for budgeting and setting financial boundaries, and Kristal Terrell, a concert pro who drops her best savings tips for going to shows.Follow School of Pop:Class Notes: https://schoolofpop.substack.comPop Recap: https://poprecap.beehiiv.comFollow Alejandra Rojas:Brown Way To Money Podcast: https://brownwaytomoney.com Follow Kristal Terrell: Instagram: https://www.instagram.com/kristalterrellTikTok: https://www.tiktok.com/@kristalterrellYouTube: https://www.youtube.com/@kristalterrellUse SeatGeek code TERRELL for $20 off first purchase of $50+Chapters: 00:00 Intro01:50 Why do fans spend?07:59 Why are things so expensive?19:35 Budgeting tips from Alejandra Rojas36:25 Concert saving tips from Kristal Terrell 47:55 Additional saving tips52:25 Outro

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

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

“Where your treasure is, there your heart will be also.” — Matthew 6:21That powerful truth from Jesus captures the heart of FaithFi's mission and vision.If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission.Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.When Your Peace Rises and Falls with the MarketIt's pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people's emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace.But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7).If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts.Why Our Mission at FaithFi MattersAt the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure.In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place.It's not about giving more, it's about loving God more. That's why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren't surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful.The Daily Struggle: Trusting God or Trusting in WealthOne of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security.The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God's Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ.Wisdom Over Wealth: What Ecclesiastes Teaches UsThis book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they're meaningless—just vapor, or ‘hevel' as Ecclesiastes puts it.But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won't last and start investing in what will.That's why we're excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God's wisdom. You'll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God's provision and sovereignty.To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to FinancesFaithFi isn't just about biblical theory—it's about real-life application. There are several ways we equip people to live out God-honoring stewardship:The FaithFi App—A budgeting tool built on biblical values like generosity, margin, and contentment. It even includes a vibrant in-app community with Certified Christian Financial Counselors (CertCFCs) and Certified Kingdom Advisors (CKAs).  Radio + Podcast—Daily encouragement and wisdom for wherever you are on your financial journey. Devotionals & Studies—Tools like Look at the Sparrows and Wisdom Over Wealth are helping individuals and churches connect their faith and finances. Faithful Steward Magazine—A quarterly, beautifully designed resource full of rich theology, practical advice, and real-life encouragement—exclusively for FaithFi Partners.Join the Movement: Become a FaithFi PartnerThe best way to support FaithFi's work is to become a FaithFi Partner—someone who gives $35 a month or more, or at least $400 a year. In return, partners receive early access to our Bible studies and devotionals, full access to the FaithFi Pro App, and quarterly issues of Faithful Steward. But more importantly, they help millions of people discover how to treasure God above all else.If this vision resonates with you, visit FaithFi.com/Give and join us.On Today's Program, Rob Answers Listener Questions:I want to know if charities have to follow minimum wage laws in Florida or the United States.I have about $130,000 between two IRAs, I owe about $125,000 on my mortgage, and about $15,000 on an auto loan. I have a $250,000 term life policy that ends in 2027. I'm shopping around and want to know how much life insurance I should buy, and if you're in favor of life insurance.What's the difference between a Roth IRA and a regular IRA? And can an individual open a 401(k) without being an employee?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Don't make these emergency fund mistakes! In this episode, Art dives into the most common “oops” moments people have when saving for a rainy day—and how you can avoid them. Plus, he answers listener questions about budgeting and picking a high-yield savings account.Resources:8 Money MilestonesAsk a Money Question!

This episode of CFO at Home is Part 1 of Vince's conversation with Certified Financial Planner Filip Telibassa. In this part of our conversation Filip and Vince explore the concept of reverse budgeting. Filip explains how reverse budgeting flips traditional budgeting on its head by prioritizing savings and financial goals before addressing fixed expenses. He also shares insights on how this method can alleviate the feelings of deprivation often associated with budgeting, making it easier for clients to plan for their goals. Filip and Vince also discuss the importance of aligning financial goals with core values, and the dynamic nature of reverse budgeting, including how to assess its effectiveness over time. To learn more about Filip, visit his website BenzinaWealth.com Key Topics: Understanding reverse budgeting and its benefits The emotional impact of traditional budgeting vs. reverse budgeting How to set financial goals based on core values Managing cash flow and assessing the success of reverse budgeting The role of budgeting apps in financial tracking Using reverse budgeting for debt elimination strategies Key Links: Benzina Wealth Reverse Budgeting: A strategy to spend more, without guilt https://www.linkedin.com/in/filiptelibasa/ Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

In this episode, we're answering the really good questions you asked! We're talking about how we budget for trips and buying new clothes, helpful investments to make back into your business, the different between good and great content, how to collaborate with other girls in the industry, advice for when growth is stagnant and more! Danielle's IG: @shestyledwhatAllysa's IG: @allysa.larsonThe Influence Community IG: @theinfluencecommunityAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

It was a disappointing, but all too predictable, start to the state budget writing process last week. The Joint Committee on Finance began by tossing the governor's $120 billion budget proposal – choosing instead to use the current budget as its starting point. The current $100 billion budget. In other words, they don't plan to cut anything. Current spending is now locked in – and throughout the executive hearings this month, committee members will just be adding to the pile. How much more do they plan to spend? Well, that will depend on the new tax revenue estimates that are scheduled to come out this Thursday. Sen. Marklein wants to increase spending on public education and healthcare. He says the estimates will determine how high they can go. It would have been nice to see the committee start the budget at $0 and make every agency and program justify all its funding. Instead, it's just business as usual in Madison, and no one can say they're very surprised.

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother's Day invites us to reflect on the deep, often quiet influence of a mother's faith. The Apostle Paul's words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother's Work: Beyond MeasureWhen we think about the value of moms, it's usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can't be priced.But what if we did try to measure the economic value of a mother's daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother's annual salary would exceed $185,000—and that's before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she's worth every penny.Still, even that figure falls short of her true worth. The value of a mother's love and faithfulness can't be calculated. It's personal. It's spiritual. It's eternal.How Scripture Calls Us to Honor MothersThe Bible doesn't just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman's reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God's love in your life.But biblical honor doesn't end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today's terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren't just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it's your biological mom, your wife, a grandmother, or a spiritual mother who's poured into your life, this Sunday is your opportunity to show them they're not alone or forgotten.Let her know she's seen. Let her know she's loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn't wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she's not just building a home—she's shaping eternity.This Mother's Day, let's rise up and call her blessed, not just with words, but with actions that honor God and her.On Today's Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

David McClaskey is the Founder and President of McClaskey Excellence Institute. David McClaskey is an executive coach, consultant, conference presenter, trainer, and Baldrige expert and one of the few individuals to have the privilege of assisting seven companies to win eight Malcolm Baldrige National Quality Awards (about 6% of the total winners). In this episode, David will present The 4 Pillars to Operational Excellence. Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Website: https://mcclaskeyexcellence.com Email: info@mcclaskeyexcellence.com Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life's most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it's urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household's key information is a tangible expression of love, wisdom, and care. It's a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn't have to be.Here's a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It's also wise to keep a digital backup, securely stored and shared with trusted family members.If you're thinking, “I wish someone would just do this for me,” you're in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today's Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Covering the latest in the India-Pakistan military conflict and its nuclear risk; the US tentative ceasefire with the Houthis marks another lost war; why China's tech breakthroughs make arms-racing self-defeating for the US; the shape of a post-American Asia beginning to emerge; what a fascist budget looks like; why Stephen Miller is like that; the Trump administration is trying to export its "war on woke" to Stockholm, and it's failing; and more! Watch The Un-Diplomatic Podcast on YouTube: https://www.youtube.com/@un-diplomaticpodcast Subscribe to the Un-Diplomatic Newsletter: https://www.un-diplomatic.com/ Catch Un-Diplomatic on Twitch: https://www.twitch.tv/undiplomaticpodcast Disclaimer: The views expressed are those of the individuals and not of any institutions.

  In this episode of the Profitable Christian Business Podcast, host Doug Greathouse sits down with his good friend and financial coach Andy Bennetts to discuss two of the most misunderstood and mission-critical topics in the Christian entrepreneur world: faith and finances. With humor, depth, and practical wisdom, Andy shares how Christians can break free from debt, avoid the hidden traps of the traditional banking system, and walk in true financial stewardship. From uncovering the meaning behind the word mortgage to introducing his "Financial GPS" system, this episode is a must-listen for anyone who wants to honor God with their finances while building a lasting legacy. This isn't just about money—it's about obedience, sacrifice, and freedom.

Snag Our Simplified Budget System!Today, we're taking you behind the scenes of our private coaching sessions to share the real stories, real challenges, and real wins that come with building a budget that works in the messy moments of life. From surprise moving costs and mortgage pressure to sneaky Apple charges and Costco overspending, we're breaking it all down. These lessons are too good to keep behind closed doors—because if our clients are dealing with it, chances are you are too.Whether you're in the middle of a big life change or just trying to keep your grocery budget under control, this episode is full of practical takeaways and comforting reminders. We've got your back through every budgeting curveball.What We Talk About:Why moving always costs more than you thinkThe 15-year vs. 30-year mortgage debate (especially for single income households)How a few forgotten subscriptions can wreck next month's budgetThe danger of “extra” money sitting in your accountWhen buying the dream house means saying no to everything else—for a seasonCredit card points vs. actual financial peaceOur honest (maybe unpopular) opinion on Costco and bulk storesBudget Takeaways:Moving is messy—plan as much as you can, but give yourself grace when the numbers don't look perfect.Debt freedom takes sacrifice. But short-term discomfort can create long-term options.Put your bills in one account and pull your rollover money out—no temptation!If there's no wiggle room in your budget, it's not the right time for a 15-year mortgage.Credit card points are not a budgeting strategy. They're a trap. (We said what we said.)4 Ways To Connect With Us:1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!"

If you believe the highest goal of investing is simply to earn a high return, you may be overlooking a deeper purpose—how our money can be used for good.As investors, we've been given resources to manage, not just for profit, but in alignment with God's will and values. It's easy to see investing through a purely earthly lens, but God invites us into a much greater story. Today, Robin John joins us to explore that bigger vision.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the forthcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.A Vision for Redemptive InvestingEventide's tagline—“Investing that makes the world rejoice”—is more than marketing. It's a biblical conviction inspired by Proverbs:“When the righteous prosper, the city rejoices, but when the wicked perish, there are shouts of joy.” – Proverbs 11:10Righteousness, in this context, refers to those who seek the good of others. The righteous prosper by looking out for the people in the city. But the wicked prosper through exploitation, especially of the poor. That leads to groaning, not rejoicing.For Eventide, investing is about more than avoiding harm. It's about actively investing in companies whose products and practices bring tangible good into the world—serving real needs, not exploiting vulnerabilities.Can You Do Good and Do Well?A common concern among faith-based investors is whether aligning values with investments means sacrificing returns.Romans 12 tells us “not to conform to the patterns of this world but be transformed by the renewing of our minds.” That means we should be willing to make sacrifices if necessary. But that doesn't mean underperformance.Research from the Biblically Responsible Investing Institute, drawing on a 19-year study, compares values-based screening (which excludes companies involved in activities such as abortion, pornography, and tobacco) with the S&P 500 and yields equivalent long-term returns.It's a myth that you must compromise performance to honor your faith. At Eventide, they don't just avoid the bad—we seek out the good.The Ultimate Question, as posed by Bain consultant Fred Reichheld, also found that the most successful companies are those that best serve their customers and employees. Serving people well is good business, and it often leads to long-term outperformance.Why How You Make Money MattersJohn Wesley once said, ‘Make all you can, give all you can, but make all you can without hurting yourself or your neighbor.”Proverbs 1:19 also warns against partnering with those who gain through unjust means. It's not just what we give—it's how we earn that matters to God. Ill-gotten gain is not pleasing to Him.Generosity isn't limited to charitable giving. A teacher choosing to serve children instead of pursuing a higher-paying career is living generously, even without writing a check.The Good InvestorRobin's passion is to see everyday Christians empowered to invest in ways that reflect their values. His upcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, aims to help believers do just that.The Good Investor doesn't stop at money—it's also a book about purpose and calling. Don't assume your calling means you have to start something new. Many Christians are exactly where God needs them to be. The real challenge is to recognize your work as valuable to God and do it in a way that reflects His goodness.Psalm 1:3 emphasizes that the blessed life is rooted in delighting in God's Word and walking in His ways:“That person is like a tree planted by streams of water...whatever they do prospers.”Robin's new book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, will be released on July 22 and is available for pre-order now wherever books are sold.This is a must-read for any Christian who wants to rethink investing through the lens of God's Kingdom—and rediscover the purpose and power of their everyday financial decisions.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from my old school district job with approximately $7,000-$8,000 in it. I'm 55 and want to know if I should roll it over into my new company's retirement plan and what I should do with my IRA.I remarried after my first wife passed away. If I die, can my late wife's kids force my new wife out of our house, and how can I protect her?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEventide Asset ManagementThe Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnThe Ultimate Question 2.0: How Net Promoter Companies Thrive in a Customer-Driven World by Fred Reichheld with Rob MarkeyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Supporting adult children financially can be a tough balancing act. How much support is too much? When does helping actually hurt? In this episode, we dive into the challenges of navigating finances as a team while teaching your adult kids financial independence. We'll share expert advice on this topic, discuss our own approach, and help you align your parenting values with your financial goals—so you can protect your future while setting your kids up for success. Tune in to learn more on this debate!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Are our efforts to help the poor always helpful, or could they sometimes do more harm than good?Today, we'll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation.Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions.What Is Poverty—Really?Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity.This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions.Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate.Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people.Presence Over ProjectsShort-term trips shouldn't be about what we accomplish but about who we become in relationship.If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn't come through handing out supplies or completing a checklist—it comes through deep, lasting community.That's why the local church is God's primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor's children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could.The Sending Church's Role in Long-Term SuccessMany short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we.Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What's good here?” affirms the image of God in others and begins the work of restoration.How can the sending church help ensure long-term success in missions?It's not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life.Fundraising as a Form of DiscipleshipShort-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and grow, that's a worthy investment.Go as a learner and communicate that clearly to your supporters. When trips are part of a larger discipleship journey, they become valuable not only for those being served but also for the transformation of those who participate.Still, we must be wise stewards of God's resources. Many trips could be more effective if better embedded in a long-term process of learning and partnership.Short-term missions, when done right, can become powerful instruments of healing and restoration. But they must begin with a correct understanding of poverty and a humble willingness to be shaped by the journey.For churches preparing for trips this summer, Helping Without Hurting in Short-Term Missions is more than a resource—it's a reorientation of purpose.To explore Dr. Fikkert's work or find resources and group studies designed for churches, visit Chalmers.org.On Today's Program, Rob Answers Listener Questions:I just bought a new SUV and was offered bi-weekly payments. Would it be advantageous to opt for this option over monthly payments to minimize interest?My mother passed away in October of last year, and my sister and I are going to sell her house probably next month. My question is, in Texas, there's no inheritance tax. But is there an inheritance tax federally?We have some friends who asked us to give them a letter of giftedness to help them buy a home. They're asking for $17,000, for which they have $17,000 in cash that they will exchange for our check immediately. We don't understand why they can't just use their own cash, and we're not sure if helping them would cause difficulties for us or them.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineThe Chalmers CenterHelping Without Hurting in Short-Term Missions by Brian Fikkert and Steve Corbett with Katie CasselberryWhen Helping Hurts: How to Alleviate Poverty Without Hurting the Poor... and Yourself by Steve Corbett and Brian FikkertWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Max Goldberg is the co-owner of Strategic Hospitality, based in Nashville, TN. Max's brother and Strategic Hospitality co-owner and CEO, Ben, was on the show for episode 846 back in 2021. Max was working in NYC when in 2007 his brother Ben called him home to Nashville to work with him at Strategic Hospitality. They have been working together and building restaurant brands ever since. Strategic Hospitality has 9 concepts currently. Join the Restaurant Unstoppable Network TODAY! Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: US Foods: US Foods is hosting the event of the year, Food Fanatics 2025. August 19-20, 2025, at the Mandalay Bay, Las Vegas, NV. Network with over 5,000 Industry peers. Attend Zouk nightclub reception, expert breakout sessions, Keynote speeches, musical performances, and dramatic demonstrations, and sample the latest on-trend dishes. The Clock Is Ticking! Be Ready to Register on April 16 for Food Fanatics® 2025. To learn more, visit www.usfoods.com/foodfanatics2025 Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest recomendations: Sunday App Monday Basecamp OpenTable Todist Guest contact info:  Website: https://www.strategichospitality.com Instagram: @maxrgoldberg Email: max@shprojects.co Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable