Podcasts about budgeting

In this episode: lifestyle creep awareness, emergency funds, rebuilding after a house fire, designing a values-aligned life, career transition coaching with Karen WorthyEpisode SummaryKaren Worthy shares how a wake-up call about spending led their family into FI habits—then a devastating house fire became a “blank slate” that clarified what matters. Karen and Adam explore how savings create optionality in crises and careers, and how Karen used that runway to take a sabbatical and launch a career transition coaching business.Guest BioKaren Worthy is a career transition coach who helps people land their next role through resume, interview, and networking support. She previously worked at Amazon and has led recruiting/HR teams.Resources & Books MentionedWorthy Career PathsMr. Money Mustache (blog) Frugalwoods (blog)“Five Hour Resume” course (code: MINDFUL) Mindful FIRE Envisioning Guide Mindful FIRE Legends community  Guest Contact InformationEmail: karen@worthycareerpaths.comWebsite: https://worthycareerpaths.com/LinkedIn: Karen Worthy (not provided)Key Takeaways“Lifestyle creep” can be $3-at-a-time; downloading a year of transactions made spending patterns undeniable.A cold-turkey “no eating out” month built lasting systems (including a monthly “Stuff Weekend” budget).Emergency funds matter most when life is chaotic—hotel, shoes, and basics before insurance pays.Confidence comes from optionality: “F-you money” can make you bolder at work and pickier in transitions.Join the Mindful FIRE Legends community at MindfulFIRE.org/join.PS: Introducing the…

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!In this coaching session, Shana and Vanessa sit down with Chantelle, a longtime listener and budget bestie, who shares her experience navigating a difficult season of life. After stepping away from her job to advocate full-time for her son's medical needs, Chantelle is learning how to manage an unpredictable income while staying focused on what matters most.Together, they discuss what it means to budget during "storm mode," how to handle fluctuating side hustle income, the purpose of a paycheck-ahead fund, and why it's okay to rely on your budget differently during challenging seasons. They also cover practical strategies for Costco spending, reimbursement-based expenses, and finding peace when account balances temporarily decrease.This episode is a reminder that budgeting isn't about perfection—it's about creating a plan that supports you through every season of life.What We Talk AboutManaging finances during a medical crisis and caregiving seasonWhy a paycheck-ahead fund isn't always the first priorityCreating a realistic budget based on guaranteed incomeUsing side hustle income strategicallyHandling anxiety when savings balances decreaseBuilding financial confidence during difficult seasonsBudgeting for bulk purchases and Costco tripsManaging reimbursement-based expensesCelebrating budgeting wins, including staying on budget through ChristmasLet's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Key Takeaways: Think of Budgeting Like Plumbing: Money needs a clear path to flow through your financial life. A good budget helps make sure bills, savings, and investments are all working together smoothly. Use Separate Accounts for Different Purposes: Keeping money in separate accounts for fixed expenses, spending, savings, and investments makes it easier to stay organized and avoid overspending. Build Emergency and Tax Funds: Having dedicated accounts for emergencies and taxes helps you handle unexpected costs without disrupting your other financial goals. Automate Good Financial Habits: Automatic transfers to savings, investments, and other accounts make it easier to stay consistent and build wealth over time. Stay Aware of Your Finances: Even when your finances are automated, regularly reviewing your accounts helps you stay informed, catch problems early, and make better decisions.   Chapters: Timestamp Summary   0:00 Budgeting and Financial Systems as Plumbing for Your Money 1:15 Managing Finances by Separating Fixed and Discretionary Expenses 3:43 Managing Finances with Fixed, Discretionary, and Emergency Accounts 5:11 Planning for Taxes by Allocating Funds Monthly 5:49 Rethinking Emergency Funds and Financial Security Strategies 7:40 Balancing Automation and Awareness in Financial Planning Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Send us Fan MailThis week we're sitting down with Bari Tessler, a Financial Therapist and a pioneer in the Financial Therapy field. She has a Masters degree in Somatic Psychology from Naropa University, 1998. She then ran a bookkeeping business for therapists and artists. In 2001, she merged all her training and created a somatic-based Financial Therapy methodology that she has been teaching for 24 years. She is also the founder of The Art of Money, a financial therapy program and a Mentor Program for therapists, coaches and financial professionals.Bari breaks down why 90% of our money decisions are based on emotions, not logic, and what to actually do about it. She shares her signature Body Check-In tool, why couples fight about money even when everything else is great, and how to start having real money conversations with your partner without it turning into World War III at the kitchen table.Bari's reminder is that the way you were raised to think about money shapes every financial decision you make today. Join us for next week's Money Talks, we're digging into money stories, emotional patterns around spending and saving, and how to rewrite the ones that aren't working for you. Click here to register for FREE and bring your questions!  Follow & connect with Bari Tessler:WebsiteInstagram LinkedIn Facebook Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with guest Marketing Mike, alongside producer Karina "Special K", for an in-depth discussion on the power and potential of programmatic marketing specifically tailored for mortgage loan originators, real estate agents, insurance agents, and title companies. Together, they break down how professionals in these industries can leverage advanced digital advertising platforms, such as Google and Meta (Facebook & Instagram), to reach their ideal audiences and generate high-quality leads. The conversation covers practical strategies for targeting referral partners, including the use of educational webinars and value-driven content to build trust and engagement. They also dive into the mechanics of retargeting, explaining how to stay top-of-mind with prospects who have already interacted with your brand online. Throughout the episode, Dustin, Mike, and Karina highlight several key takeaways for listeners looking to implement programmatic marketing in their own businesses. They stress the critical importance of developing compelling creative assets, such as eye-catching graphics and persuasive ad copy, to capture attention in a crowded digital landscape. The trio also discusses the value of niche targeting, encouraging professionals to define their ideal client profiles and tailor their messaging accordingly for maximum impact. Budgeting is another focal point, with realistic expectations set around the investment required to see meaningful results from programmatic campaigns. Importantly, the hosts emphasize that programmatic marketing is not a quick fix or a standalone solution. Instead, it works most effectively when used to supplement and enhance an existing referral-based business model. Success requires patience, consistent effort, and a willingness to test and refine strategies over several months. By combining digital marketing with strong relationship-building practices, mortgage and real estate professionals can create a sustainable pipeline of leads and long-term growth. TLOP's Originator Coaching:

Be honest. Has money ever got in the way of a friendship? Sure. It’s nice when everyone you know has the same money values as you, but it’s far more likely that your earnings, spending habits, and beliefs are just as different as your birth charts! This week on Friday Drinks, Bec and Jess answer your pressing questions around pausing investments to pay for a wedding, fast food preferences and what happens when your friends are in their spend-now-worry-later era. While V’s away, we’re bringing you some cheeky Broke Tips plus your marvellous Money Wins of the week. Budgeting boundaries, financially outgrowing your friends, and what actually makes a fry a fry (when it’s really a chip), join us as we cover all the important topics. CURB YOUR SPENDING: Dopamine spending is real. If you’re looking for tips to help you cut back, look no further. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

Most volunteer leaders learn on the job, through trial and error, and sometimes burnout. But what if you could start with the skills that really matter?In this episode, Tobi Johnson draws on 25+ years of experience to share the essential skills she wishes she had from day one. You'll learn why self‑regulation and emotional resilience are critical for preventing burnout and leading with clarity. She also breaks down strategic planning that connects program design, metrics, and budgets, including how to advocate for volunteer‑related expenses.Tobi also tackles change management and influence, especially when you don't have formal authority. Her participatory leadership approach helps you engage stakeholders, manage resistance, and build trusted teams. Plus, she offers a free worksheet to help you develop your personal leadership philosophy.If you're ready to lead with confidence and create lasting impact, this episode is your toolkit.Skills I Wish I Had – Episode Highlights [00:00] Introduction to Volunteer Management Skills[04:08] Top Nonprofit Volunteer Management Skills[08:46] Emotional Self-Regulation in Leadership[12:54] Strategic Planning for Nonprofits[17:08] Budgeting for Volunteer Programs[24:10] Change Management and Influence[31:12] Participatory Leadership and CollaborationHelpful Links Volunteer Management Fundamentals Live! Volunteer Nation Episode #185: To Burnout & Back – My Secret Struggle with Long COVIDVolunteer Nation Episode #022: My Fave 6 Nonprofit Leadership and Management Wins Volunteer Nation Episode #205: My Top Time Management Tips for Overwhelmed Volunteer ManagersVolunteer Nation Episode #186: Strategy vs Tactics – How to Include Both in Your Volunteer Planning Independent Sector Value of Volunteer TimeVolunteer Strategy Scorecard™ Volunteer Management Fundamentals Live!Summer Cohort: June 18 – July 24, 2026Learn the Essential Frameworks for Attracting and Engaging, Enthusiastic, Committed Volunteers with Less Stress and Greater Confidence. Thanks for listening to this episode of the Volunteer Nation podcast. If you enjoyed it, please be sure to subscribe, rate, and review so we can reach more people like you who want to improve the impact of their good cause.  For more tips and notes from the show, check us out at TobiJohnson.com. For any comments or questions, email us at WeCare@VolPro.net.

Welcome to this special miniseries, brought to you by Ubank! In these bonus six episodes, we’re going to go through a different financial term each week to make you the money savvy baddie you were always meant to be. This week, we’re talking about loud budgeting – the trend encouraging you to be transparent about your savings goals and spending limits. Thanks to our sponsor Ubank for making this episode of Two Broke Chicks possible!

Episode Highlights With MikeWhat the money habit is and how this differs from traditional budgeting Why most financial systems fail to change behavior long termThe psychology behind money habits and how to change themWhat commitment devices are and how they can helpHow this works if you're at essential living and a very tight budgetThe simplest way to get started How this ties into the hierarchy of needs and how to work with this, not against itThe most common mistakes people make How to navigate the money habit systems as a couple without conflict Avoiding the parent/child dynamic around money which can cause tensionFinancial freedom vs financial independence and why this is importantResources MentionedFollow Mike on Instagram and FacebookMike's websiteMy Money Bunnies: Fun Money Management For Kids bookMike's other booksBONCHARGEI like so many of their products - from their red light products to their sauna blankets. Red light has been so helpful for me during my recovery from Hashimoto's. To find out more, go to boncharge.com/wellnessmama and use code wellnessmama for 20% off!Just Thrive:Just Thrive Health has been one of my longtime favorite brands for gut health and they have an amazing Daily Gut Detox. Your immune system, gut barrier, and digestion get the support they need to stay strong and healthy. You can find this and their probiotics at justthrivehealth.com/wellnessmama or use code wellnessmama for 20% off your order. 

What if building wealth was exactly like building a house? In this episode of The How To Show, Gino Barbaro breaks down the five stages of building a financial house and explains why most people fail to create lasting wealth. Many people jump straight into investing, crypto, real estate, or business opportunities without first building a strong financial foundation. The result? Their financial house eventually crumbles. Using a simple yet powerful framework, Gino explains how true wealth is created through a step-by-step process that prioritizes stability, education, protection, cash flow, and legacy. Whether you're just beginning your financial journey or looking to strengthen your existing strategy, this episode provides a roadmap for building wealth that lasts. What You'll Learn • The difference between being rich and being wealthy • Why financial foundations matter more than investments • How to build financial stability before taking risks • The role of cash flow, investing, and asset protection • How to create long-term and generational wealth • The 5 stages of building a financial house Timestamps 00:00 Introduction: Rich vs Wealthy 01:30 Why Most People Build Wealth Wrong 04:20 Stage 1: Financial Foundation 10:05 Stage 2: Building Your Financial Framework 16:15 Stage 3: Protecting Your Wealth 19:20 Stage 4: Creating Cash Flow & Assets 26:50 The Maserati Mike Story 30:15 Stage 5: Legacy & Estate Planning 35:00 Financial House Assessment Exercise 39:15 Identify Your Weakest Wealth Stage 41:30 Wealth Building Action Steps 44:15 How to Build Generational Wealth 46:00 Final Takeaways & Closing Thoughts What to lear more about multifamily? Go to: https://wheelbarrowprofits.com/ We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens when a young couple has to shift from talking about dream dates, honeymoons and wedding bells, to discussing bills and bank accounts? In this transparent and real-life talk, Gaby Alessi Calatayud and her husband Christian share their experience of learning to manage their finances together—without losing their unity or peace of mind. They share why they are doing their best to learn wise strategies from the beginning - from balancing individual spending habits and setting up budgets to tackling debt and resisting the pressure to “look rich” on social media.You'll hear honest reflections on learning to merge money personalities, create open communication about spending, and keep generosity and teamwork at the core - no matter how long (or shortly) you've been married. With actionable advice and plenty of relatable moments, discover how putting trust, grace, and shared goals above the numbers on your bank account can transform how you handle money—and your marriage.If you enjoyed this episode, here's another great TFB episode on managing money and family! Money Matters S4 E10Support the showJOIN THE FAMILY BUSINESS WITH OUR NEWSLETTERSign Up for Our Family Business Newsletter and get more inside news from the Alessis + tips and strategies for a happier family! Get free access to the newsletterTEXT THE FAMILY BUSINESS DIRECTLYYou can connect with us via text to ask family questions and get updates on The Family Business! Text FAMILY to 302-524-0800CONNECT WITH THE FAMILY BUSINESSFollow Us on Instagram and FacebookSubscribe on YouTubeLeave a reviewMORE PODCASTS YOU'LL ENJOYListen to the Alessi sisters' daily devotional podcast My Morning DevotionalFollow Our New Podcast with Mary Alessi and her twin sister Martha MunizziWatch The Mary and Martha Show

Budgeting – less about rigid restrictions, more about changing mindsets on using income effectively. Today's guest shares a different approach to financial planning: one that focuses less on restricting spending and more on creating intentional systems that help clients save automatically and use their income more effectively. David Mozeika is the founder of TOMORO, an RIA based in Red Bank, New Jersey, that oversees $350 million in assets under management for 600 client households. In this episode, David explains how his "income under management" philosophy helps clients treat cash flow as an asset, using a "cash flow reservoir" system to separate spending from saving and reduce unconscious spending habits. We also talk about his four-part financial positioning framework, how he approaches ongoing client meetings as a calibration process rather than a static plan review, and how leaning into his unique strengths ultimately shaped the growth of his firm.  For show notes and more visit: https://www.kitces.com/493     

It’s mid-year money reset-time! The end of financial year brings all of that new money energy, without the post fireworks slump. Not only is it a time where people are already looking at their finances (or looking out for a tax return), it’s a brand new chapter for folks who want to rewrite their money story. Frankly, with all of the cost of living pressures adding up, it feels right to pause and hit reset. Join Bec and Jess for a Deep Dive into EOFY energy; our highlights and lowlights from the year that’s been, as well as resolutions for FY27. Budgeting, saving, shrinking that debt or finally investing, we’ll share some new financial year goals from our community, as well as tips to help you get organised before the spenny end of the year. January 1 has nothing on July 1. OUR 30-DAY MONEY RESET: Did you sign up for our FREE mid-year challenge? It’s designed to help you get closer to your money goals by the time the countdown actually strikes. Join here. SUPERCHARGE YOUR SAVINGS: Stop procrastinating, start automating. Download our Shuffle Saver Challenge here. DISAPPEARING DEBT: Pay it down with our episodes devoted to diminishing debt. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Budgeting for weddings and events is one of the most overlooked parts of personal finance. In this episode of The Financial Mirror, we break down how to use sinking funds, realistic estimates, and weekly savings automation to prepare for weddings, holidays, birthdays, graduations, family events, and other social expenses.Most people do not overspend on events because they are careless. They overspend because the cost was predictable, but the money was never separated ahead of time.In this episode, you will learn how to predict upcoming events, estimate the real cost of attending, create a wedding and events sinking fund, automate weekly savings, and avoid last-minute credit card use. We will also walk through a realistic monthly budget example so you can see exactly how event planning fits into real-life money management.If weddings, birthdays, holidays, graduations, showers, or family gatherings keep throwing off your budget, this episode will help you create structure before the pressure hits.The goal is not to skip every event. The goal is to make better financial decisions with clarity, structure, and less stress.Subscribe to The Financial Mirror for calm, practical financial education focused on budgeting, debt, savings, financial clarity, and long-term money habits.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#TheFinancialMirror #Budgeting #SinkingFunds #PersonalFinance #FinancialEducation #MoneyManagement #BudgetTips #WeddingBudget #EventPlanning #FinancialLiteracy #DebtFreeJourney #SavingsGoals #MonthlyBudget #MoneyHabits #FinancialClarity

Is your current marketing strategy going silent? Michelle gives the lowdown on what to do when your marketing spend hits a wall, why "going dark" is basically a brand crime, and exactly how to trim expenses without ditching your strategy. Get the know-how for protecting your brand equity, making your clients stickier than ever, and learning why a little creativity in a crisis might just be your business's superpower. If you're ready to turn those scary budget convos into smart solutions (and stop panicking about your next lead), this is your time to show up, stay seen, and thrive when times get tough. ------------------------ In today's episode, we cover the following: Building leads through referrals Client retention strategies Budgeting for social media management Repositioning your value Adjusting price and brand strategy Helping corporate escapees freelance Reputation management and economic shifts Protecting your business when multiple clients leave Creative strategy and budgeting tips ---------------------- RESOURCES: Episode 156: Creating a Brag-Worthy Brand Strategy ----------------------- WORK WITH MKW CREATIVE CO.   Connect on social with Michelle at: Kiss My Aesthetic Heartbeat Group Kiss My Aesthetic Facebook Group Instagram Tik Tok -----------------------   -- COFFEE -- Did you know that the fuel of the POD and the KMA Team runs on coffee? ;) If you love the content shared in the KMA podcast, you're welcome to invite us to a cup of coffee any time - Buy Me a Coffee! -- STICKER GIANT -- This episode is sponsored by Sticker Giant. Elevate your branding with labels and stickers that will attract attention in all of the right ways. Bring your designs to life by visiting StickerGiant.com and using promo code MKW25 for 25% off when you spend $150 or more! Code is valid for one-time use only. Expires December 31st 2026. -- ZENCASTR -- This episode is brought to you by Zencastr. Create high-quality video and audio content. Get your first two weeks free at https://zencastr.com/?via=kma -- AUDIBLE -- This episode of the Kiss My Aesthetic Podcast is brought to you by Audible. Get your first month free at www.audible.com/kma.   This episode was edited by Berta Wired Theme music by: Eliza Rosevera and Nathan Menard

Clint and Nate are back for another honest conversation about what retirement actually looks like — and what most people don't see coming.Retirement planning isn't just about the numbers. In this episode of Gimme Some Truth, Clint and Nate dig into the real social and financial challenges that catch people off guard once they stop working. They start with something almost nobody plans for: what happens when spouses have completely different visions of retirement. One partner wants to travel, the other wants to keep working part-time — and neither has said it out loud.From there, they tackle the "I'll just consult" plan that so many pre-retirees lean on. It sounds easy in theory, but the reality is more complicated than most people expect — especially once you factor in the tax implications, Medicare timing, and Social Security coordination.The conversation also covers one of the most emotionally loaded topics in retirement planning: gifting money to your kids. Clint and Nate explain how well-meaning gifts can create unintended expectations, and why transferring your house to your children before you pass away can trigger serious tax consequences (including losing the stepped-up cost basis).They also break down a growing line item in retirement budgets: wellness spending. Personal trainers, red light therapy, supplements, gym memberships — these costs add up faster than most people anticipate, and they're rarely part of the original plan.Whether you're five years out from retirement or already there, this episode will help you think more clearly about the financial and personal decisions ahead — and why open communication with your spouse, your kids, and your advisor is the most valuable tool you have.Topics covered:- Why couples often enter retirement with completely different mindsets- The "I'll just consult" plan and why it's harder than it sounds- Financial impact of part-time consulting on taxes, Medicare, and Social Security- How gifting money to your kids can create unintended expectations- Why transferring your house to your children is usually a tax mistake- The emotional hurdle of taking your first portfolio withdrawal- Die With Zero philosophy and how to build a gifting plan the right way- Budgeting for wellness in retirement — personal trainers, therapy, and more- Why open communication is the #1 tool in your retirement toolkitChapters:0:00 – Introduction & Best Movie Sequels2:10 – What Retirement Really Feels Like3:25 – Couples & Mismatched Retirement Mindsets5:55 – The "Maybe I'll Consult" Boomerang8:19 – Gifting Money to Kids: The Slippery Slope8:45 – Financial Impact of Consulting (Taxes, Medicare, Social Security)9:33 – The First Withdrawal Is the Hardest11:56 – Die With Zero & Gifting Plans Done Right14:05 – Healthcare & Wellness Costs in Retirement14:06 – Transferring Your House to Your Kids (Don't Do It)15:28 – Red Light Therapy, Trainers & the Real Wellness Budget15:55 – Final Thoughts & Communication as the Core Theme16:34 – DisclaimerSubscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

Send us Fan MailTravel isn't spending. It's investing.This week, we're sitting down with Brenna Girardi, the Co Founder of Olivette Travel Design, a boutique luxury travel advisory specializing in bespoke journeys around the world. She designs tailored, high touch travel experiences for couples, families, and private groups, partnering with the world's most respected hotels and trusted global experts to unlock exclusive access and seamless service. Brenna breaks down why now, more than ever, getting out of your bubble and experiencing other cultures is not a luxury. It's a necessity. She shares the real financial and emotional cost of DIY travel gone wrong (yes, we're talking Airbnb horror stories), why ChatGPT should never be your only travel planning tool, and what "memory dividends" actually mean for your life and your kids' lives.08:00 Traveling Smart in Uncertain Times10:00 Why You Need a Travel Advisor Right Now13:00 The ChatGPT Itinerary Problem15:00 Travel Is Intentional Investing16:00 Memory Dividends: The Book Die With Zero20:00 Common Money Mistakes Travelers Make22:00 Airbnb vs. Vetted HotelsBrenna's reminder is a good one: your health, your time, and the people you love aren't guaranteed forever. The best memory dividends start now. Traveling more in 2026? Join us for next week's Money Talks “Traveling more in 2026? Here's What You Need to Know About Your Taxes”. Click here to register for FREE and bring your questions!  This episode is supported by Meredith Schnepp, VTA, CCC, founder of Sunkissed Bliss Travel. Meredith designs deeply personal, seamless travel experiences for busy women, couples, and families who want beautifully executed trips without the time, stress, or guesswork of planning it themselves. Through carefully vetted global partners and high-touch, full-service planning, she makes sure every detail is handled so you can show up and actually enjoy your trip. If you're ready to invest in travel that feels as meaningful as it is memorable, book your complimentary consultation at www.sunkissedblisstravel.com and follow her on LinkedIn, Instagram, and Facebook.Follow & connect with Brenna:Website InstagramLinkedIn Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

AGENDA: 00:00:00 — Private Markets Are "F***ing Done" & The Shift to Heavy CapEx 00:00:46 — Anthropic Files to Go Public  00:04:59 — Will the Anthropic IPO Break the Startup Ecosystem? 00:06:22 — The "Billion-Dollar Position" Era: VCs Reset Their Expectations 00:18:11 — The Trillion-Dollar Cash Grab: Google, SpaceX, and OpenAI Rush the Queue 00:23:15 — Is the SaaS Apocalypse Over? Bouncing Off the Bottom 00:25:34 — The Death of Human Per-Seat Licenses as Multiples Shift 00:27:18 — Winners vs. Losers: How Agentic Focused Products Captured the Market 00:30:26 — Cognition Raises $1 Billion at a $26 Billion Valuation 00:33:04 — Token Budgeting Panic Hits Corporate America 00:35:46 — Multi-Model Workflows and the Future of Cost Containment 00:41:20 — Choosing Tokens Over Humans: The 2027 Engineering Reality Check 00:46:42 — Can Large Companies Survive Slashing One-Third of Their Engineering Talent? 00:57:40 — Big Law Flex: Kirkland & Ellis Pledges $500 Million to Build In-House AI 01:01:21 — Giving Away the Crown Jewels: Will Firms Trust Claude? 01:08:44 — Robinhood's AI Move: Automating Financial Planning vs. Beating the Market 01:16:15 — Apollo Warns PE Software Returns Are About to Be Disastrous 01:19:15 — $10 Billion Carry Pools: Will VC Winners Quit the Game? 01:24:10 — The 9-9-6 Work Ethic: Performative Theatre or Startup Reality? 01:30:10 — The Great Valley Contradiction: Working 24/7 to Automate White-Collar Work  

"It's a one stop shop for all your needs." Connect With Our SponsorsSolventum - https://go.solventum.com/clarityGreyFinch - https://greyfinch.com/jillallen/A-Dec - https://www.a-dec.com/orthodonticsSmileSuite - https://getsmilesuite.com/ Summary In this episode of Hey Docs!, Jill Allen and Nathan Hudson discuss the intricacies of starting and managing a practice, focusing on the importance of understanding both clinical and business aspects. They explore the 'Five B's' framework, which includes banker, broker, bean counter, broadcaster, and builder, emphasizing the need for a well-rounded approach to practice management. The discussion also highlights the distinction between tools and toys in equipment purchasing, the significance of budgeting for marketing and branding, and identifying efficiency gaps in practice operations. Nate also touches on various challenges practices face, particularly startups, in navigating equipment choices and emphasizes the need for informed decision-making. Connect With Our Guest Renew Digital - https://www.renewdigital.com/ Takeaways Nate Hudson has a background in engineering and dental sales.The Five B's framework is essential for practice owners.Understanding the difference between tools and “toys” is crucial.Budgeting effectively can lead to greater success in startups.Efficiency gaps often arise from lack of communication within teams.Training is vital when purchasing new technology.Doctors should focus on their long-term goals when making purchases.Not all equipment needs to be brand new to be effective.Team cohesion is necessary for a successful practice. Efficiency in imaging can significantly impact patient flow.The merger of Renew Digital and Voxel Dental creates a comprehensive service offering.Startups should consider future needs when designing their practices.Choosing the right equipment can save significant costs in the long run.Having multiple specialists can ease the burden of equipment selection.Chapters 00:00 Introduction02:54 Nathan Hudson's Background05:32 The “Five B's” Framework11:46 Tools Versus Toys15:05 Budgeting and Hidden Costs20:20 Spotting Efficiency Gaps26:40 Voxel Partnership and Labs32:58 One Rep or Many Vendors38:24 How to Contact Renew Digital Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett LuceroAre you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.    If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!   

As the cost of living and rent increases, the concept of buying a home feels like a pipe dream to many people living in their 20's and 30's. Financial journalist and author Beth Kobliner's latest edition of her book Get a Financial Life: Personal Finance in Your Twenties and Thirties provides tips for Millennials and Gen Z on how to choose the right bank, avoid excessive fees, and rein in spending based on the latest research. Stock image by mladenbalinovac/E+ via Getty Creative Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ready to earn a CEU? Start here! Are you truly making money in your pet care business, or just staying busy? In this episode, we sit down with CPA Chante Dawston to unpack what "knowing your numbers" actually means. We explore why record keeping is more than a tax requirement and how it directly impacts your decision-making. We also discuss cash flow, profit, and the hidden dangers of growing without understanding your costs. This conversation will help you move from guessing to confidently leading your business with clarity. Main topics: Importance of financial record keeping Profit vs cash flow clarity Budgeting and expense planning strategies Pricing adjustments and inflation impact Building consistent financial habits Main takeaway: "I think the biggest thing that can be a superpower for you in your business, on the financial side, is consistency." Consistency doesn't sound flashy. It doesn't feel like a breakthrough strategy. But when it comes to your finances, it might be the most powerful habit you can build. You don't need hours of analysis or a finance degree to start understanding your business. You just need to show up regularly. Even 15 minutes a week can completely change how you see your numbers. That small rhythm builds awareness. Awareness builds confidence. And confidence leads to better decisions. If you've been avoiding your numbers, don't overhaul everything overnight. Just start showing up consistently—and let that habit do the heavy lifting. About our guest: Chante Dawston is a CPA and the owner of C Squared Accounting, a firm specializing in financial services for small businesses in the pet care industry. With over a decade of experience, including time as an auditor at Deloitte, she brings a strong analytical and practical approach to business finances. Chante helps pet care professionals better understand their numbers, improve profitability, and build sustainable financial systems. She is passionate about making accounting accessible and actionable for everyday business owners. Links: Ready to earn a CEU? Start here! Website: https://petcare.c-squaredaccounting.com/ Instagram: https://www.instagram.com/csquaredaccounting/ LinkedIn: https://www.linkedin.com/in/chantedawston/ Check out our Starter Packs See all of our discounts!

Budgeting & Financial Mindset amid Rising Costs - The Return of the Budget BestiesIn this episode, Ella Catherine welcomes back the Budget Besties, Vanessa and Shana, to discuss practical strategies for managing finances during economic uncertainties. They focus on changing the narrative around budgeting, tackling credit card debt, and teaching both adults and children to be financially responsible.Main Topics:How to approach budgeting when costs for gas and groceries are increasingThe importance of setting realistic budgets and automating savingsDemystifying credit scores and minimizing credit card reliancePractical tools: Using your bank's features to organize moneyTeaching children financial responsibility through allowances and accountsThe psychological impact of organized money management on spending habitsResources & Links Join the Budget Besties Debt WorkshopFinancial Coaching for Women Podcast — Over 500 episodes of free financial advice

Aubrey Masango chats to Dr Frank Magwegwe of GIBS and Tshegofatso Seabi about young South Africans and money: first salaries, debt, supporting family, side hustles, and what it all reveals about their relationship with money. The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Budgeting has a branding problem. For a lot of people, it feels restrictive, shame-filled, tedious, and honestly kind of like financial punishment. But what if the problem is not you? What if the problem is that what you've been calling budgeting is really just tracking where your money already went? In this episode, Shari Rash, founder of GWA Wealth, talks with Shana and Vanessa of Budget Besties and the Financial Coaching for Women Podcast about why traditional budgeting fails so many people and what actually makes a money system stick. They explain why tracking every transaction is not the same thing as budgeting, why checking your bank account and hoping for the best is not a plan, and why separating your money into spending and savings buckets can create more freedom, not less. You'll hear how their digital envelope system works, why annual and irregular expenses are usually the things that blow up your budget, and how automation can help you stop relying on willpower. They also get into the credit card points debate, why using a credit card can make it harder to stick to a budget, and why nobody built real wealth from points alone. Cute perk? Maybe. Financial plan? Absolutely not. Check out Shana and Vanessa's Free Money Stress Quiz You'll hear: Why budgeting feels so shame-filled for so many people The difference between tracking and true budgeting Why your budget needs to include annual and irregular expenses How digital spending buckets can replace old-school cash envelopes Why separating bills from spending can create more clarity How to automate bills, savings, spending, and investing Why credit card points may not be worth it if they keep you disconnected from your numbers The simple first step Shana and Vanessa recommend if your budget has never worked before If you've tried budgeting and felt like you failed, this conversation will help you see that maybe the system failed you. Budgeting should not be about obsessing over every transaction. It should be about giving your money a job before it disappears. If you want help building a financial plan that connects your cash flow, investing, savings, and bigger life goals, learn more about working with Shari Rash and GWA Wealth at gwawealth.com. Follow Everyone's Talkin' Money on your favorite podcast app so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Planning a vacation should be exciting—not overwhelming. But between choosing a destination, booking flights, creating an itinerary, and figuring out logistics, it's easy to feel stressed before your trip even begins. At The Travel Brats, we've planned everything from last-minute city getaways to international adventures booked nearly a year in advance. Over time, we've learned that the best trips happen when you focus on smart planning without overplanning every minute. Here's our step-by-step guide to planning a vacation the right way.   1. Start With Your "Why" Before choosing a destination, ask yourself: Do I want relaxation or adventure? Am I traveling for food, culture, nature, or nightlife? Am I recharging or packing my schedule? Your answer determines everything from budget to destination to daily activities. Helpful questions to research: Is this destination better for couples, friends, or families? Is it good for digital nomads? Can I visit without renting a car? Does it offer more adventure or relaxation? The clearer your travel goals, the easier every other decision becomes.   2. Set Your Dates and Budget You don't need an exact budget, but you need a realistic one. Consider: Number of travel days Flight costs Hotel or Airbnb costs Food and drinks Transportation Activities and excursions Most importantly, leave room for unexpected expenses. A good vacation budget includes a buffer because travel rarely goes exactly as planned. Also factor in important deadlines such as: PTO approval School breaks Weddings Special events   3. Choose Your Destination Strategically Timing can completely change your experience. Ask yourself: What's in season during my travel dates? Will weather affect the trip? Is it peak tourist season? How long is the travel time? Is the destination easy to navigate? If you only have a few vacation days, shorter flights often win. We've seen travelers hate destinations during crowded peak seasons and fall in love with the same places during shoulder season. Research matters.   4. Book the Big Stuff First Follow this order: ✈️ Flights

In this episode, Fadi Zein talks about how people can develop beneficial budgeting strategies, and utilise their assets for increased benefit.

Multi-site imaging networks face complex budget forecasting when adopting virtual contrast supervision. Learn how to map cost centers, apply three-layer comparisons, and unlock up to seventy percent savings—all while staying CMS-compliant and audit-ready. Read more at https://www.contrast-connect.com/blog-post/virtual-contrast-supervision-budget-forecasting-for-multi-site-networks ContrastConnect City: Las Vegas Address: Las vegas Website: https://www.contrast-connect.com/

Forget the finger-wagging advice of old-school financial gurus who tell you to skip your morning coffee. This episode breaks down why modern retirement planning isn't about restriction—it's about finding the confidence to spend the wealth you worked decades to build. From stress-testing budget "splurges" to moving past rigid, cookie-cutter asset models, discover how sophisticated, IRS-approved tax strategies can protect your legacy from the government. Plus, get an insider look at high-level wealth management insights straight from unexpected conversations on the golf course. Like this episode? Hit that Follow button and never miss an episode!

Send us Fan MailDivorce is emotional. But for many women, the financial side can be the biggest shock of all.This week on Women & Money: The Shit We Don't Talk About, Barbara and Maggie sit down with Alex and Amanda, divorce mediators and co-hosts of the Dirty Laundry podcast, to share the real financial realities women face during separation and divorce.  Alex and Amanda share what they see every day behind closed doors, from hidden debt and emotional fights over “the Peloton,” to the financial wake-up calls that happen when one partner has been managing all the money. They also explain why mediation can help couples avoid high-conflict court battles, protect their finances, and create healthier co-parenting relationships moving forward.  00:49 Meet Alex & Amanda from Dirty Laundry05:05 Why unpaid labor matters in divorce06:10 Trial separations explained09:45 Can trial separations save marriages?16:40 Why mediation works differently than court20:00 Learning healthy conflict resolutionAlex and Amanda also remind women that even if they feel overwhelmed right now, they are capable of rebuilding financial confidence and creating a future that feels safe, secure, and fully their own. Whether you're navigating divorce, supporting someone through it, or simply trying to understand your finances more deeply, join us for next week's Money Talks “Protect Your Assets During a Divorce”. Click here to register for FREE and bring your questions!  This episode is supported by Marguerita Cheng, CFP®, RICP®, CDFA®, CEO of Blue Ocean Global Wealth. Marguerita works with women navigating divorce to bring clarity, confidence, and control back into their financial lives. At Blue Ocean Global Wealth, the focus is on helping women understand their options, make informed decisions, and feel empowered about their financial future, especially during moments that feel uncertain or overwhelming. If you're going through divorce and want support that's clear, grounded, and centered on your long term wellbeing, you can learn more and connect with Marguerita at www.blueoceanglobalwealth.com and follow her on LinkedIn, Instagram, Facebook, and Youtube.Disclosure:Securities offered by Registered Representatives and Advisory products and services offered by Investment Advisory Representatives through Private Client Services, member FINRA/SIPC, and a Registered Investment Advisor. Private Client Services and Blue Ocean Global Wealth are unaffiliated entities.Follow & connect with Alex & Amanda:Youtube Website Instagram: @dirty.laundry.podcast Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

Winston Binauhan is Founder of Goolai.co. Goolai.co is your intelligent cart for fresh produce. The Goolai.co app makes it effortless to crave, search, add to cart, and enjoy next-day delivery - connecting consumers directly to freshly harvested produce without the confusion or hidden fees. Goolai.co also helps consumers to work within their budget but with their desired ulam. Finally, Goolai.co is doing these with a unique approach - solving the problem first in a closed system, rather than as a large unified aggregated open marketplace.In this episode:00:00 Introduction01:05 Ano ang Goolai.co?08:03 What is the startup solving? 31:59 What are the stories and vision of the team? 49:44 How can listeners find more information?GOOLAI.COWebsite: https://goolai.coFacebook: https://facebook.com/profile.php?id=61584252397565THIS EPISODE IS CO-PRODUCED BY:OneCFO: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://onecfoph.co⁠⁠⁠⁠⁠⁠⁠⁠⁠Kredit Hero: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kredithero.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Yspaces: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://knowyourspaceph.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Twala: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twala.io⁠⁠⁠⁠⁠⁠⁠⁠⁠Symph: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://symph.co⁠⁠⁠⁠⁠⁠⁠⁠⁠Secuna: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://secuna.io⁠⁠⁠⁠⁠⁠⁠⁠⁠SkoolTek by Edfolio: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://skooltek.co⁠⁠⁠⁠⁠⁠⁠⁠⁠Red Circle Global: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.redcircleglobal.com⁠⁠⁠⁠⁠⁠⁠⁠⁠CHECK OUT OUR PARTNERS:Ask Lex PH Academy: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://asklexph.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ (5% discount on e-learning courses! Code: ALPHAXSUP)CloudCFO: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cloudcfo.ph⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)ArkoTech: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.arkotechspacesolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠DVCode Technologies Inc: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dvcode.tech⁠⁠⁠⁠⁠⁠⁠⁠⁠Argum AI: ⁠⁠⁠⁠⁠⁠⁠⁠⁠http://argum.ai⁠⁠⁠⁠⁠⁠⁠⁠⁠PIXEL by Eplayment: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Sign up using Code: PIXELXSUP1)School of Profits: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://schoolofprofits.academy⁠⁠⁠⁠⁠⁠⁠⁠⁠Founders Launchpad: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://founderslaunchpad.vc⁠⁠⁠⁠⁠⁠⁠⁠⁠Hier Business Solutions: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hierpayroll.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Agile Data Solutions (Hustle PH): ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://agiledatasolutions.tech⁠⁠⁠⁠⁠⁠⁠⁠⁠Smile Checks: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://getsmilechecks.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloverly: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cloverly.tech⁠⁠⁠⁠⁠⁠⁠⁠⁠BuddyBetes: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buddybetes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Hyperstacks: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hyperstacksinc.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Wunderbrand: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wunderbrand.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Uplift Code Camp: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://upliftcodecamp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/startuppodcastph⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://facebook.com/startuppodcastph⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/StartUpPodcastPH⁠⁠⁠⁠⁠⁠⁠⁠⁠PIXEL: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://pixel.eplayment.co/dl/startuppodcastph⁠⁠⁠⁠⁠⁠⁠⁠⁠Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://phstartup.online⁠⁠⁠⁠⁠⁠⁠⁠⁠Edited by the team at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tasharivera.com⁠⁠⁠⁠⁠

This episode of Talking Real Money examines why financial advice so often turns into emotional debate instead of productive problem-solving. Don and Tom discuss how investors routinely underestimate spending, cling emotionally to employer stock, and defend strategies like dividend chasing, covered calls, crypto, or gold despite decades of evidence favoring diversified investing. They answer a listener question about aggressively paying down a 6.625% adjustable-rate mortgage versus maintaining liquidity, warn about commissioned advisors circling employees receiving RSU payouts, and correct a previous mistake regarding Roth employer matches under Secure 2.0 legislation. Along the way, the hosts mix humor, blunt honesty, and personal stories about why changing financial behavior is far harder than simply explaining the math.0:05 Are listeners looking for advice, validation, or just an argument?0:58 “Two old white guys waiting to die on a podcast” and why changing investor behavior is so difficult1:24 Basis points complaints and arguing over financial terminology2:21 Why financial planning conversations often become debates3:16 Most people underestimate how much they actually spend4:04 Net income minus savings equals spending, whether you admit it or not4:59 Growing up arguing in big families and learning debate skills early5:53 Emotional attachment to employer stock and concentration risk6:19 Microsoft, Enron, Washington Mutual, and the danger of loyalty investing7:02 Why many individual stocks underperform for long stretches7:42 Covered calls, dividend strategies, and belief in “secret” investing systems8:16 Why Don and Tom remain skeptical of crypto, gold, and speculative investing9:16 Their investing philosophy comes from peer-reviewed academic research, not hunches10:17 If you call for portfolio help, don't expect automatic validation11:23 Listener Jim asks whether to aggressively pay down his adjustable-rate mortgage12:17 Extra principal payments versus saving cash to pay off the mortgage later13:12 Why a 6.625% mortgage changes the payoff math14:35 Liquidity concerns versus the emotional appeal of being debt-free15:06 Mortgage recasting explained and reducing future interest costs17:39 Regret over not refinancing during ultra-low-rate years18:10 Why peace of mind sometimes outweighs financial optimization18:50 “Paper argues badly” and the transition into listener emails18:59 RSU sharks circling a listener with a large restricted stock payout19:48 Wealth managers aggressively targeting employees cashing out company stock20:47 Warning signs of commissioned annuity sales disguised as “help”21:48 Why concentrated company stock remains risky even after huge gains22:24 Recalling the advisor who openly admitted to a 10% annuity commission22:41 Retirement quiz follow-up and correcting a Roth 401(k) mistake23:01 Secure 2.0 technically allows Roth employer matches in 401(k)s24:09 Why most employers still don't offer Roth matching contributions24:36 Tax uncertainty and the value of maintaining both Roth and pre-tax accounts25:33 Tom admits he occasionally tells players when he missed a call as a referee26:05 Encouraging listeners to argue, ask questions, and engage with the show27:02 Offering free portfolio consultations without annuity sales pressure27:39 Joking about becoming annuity salesmen after all these yearsQuestions? Comments? Click!

"It's a matter of trusting the people you hire." Connect With Our SponsorsSolventum - https://go.solventum.com/clarityGreyFinch - https://greyfinch.com/jillallen/A-Dec - https://www.a-dec.com/orthodonticsSmileSuite - https://getsmilesuite.com/ Summary In this episode of Hey Docs!, Jill Allen interviews Shawn Rainey, the director of the design department at Blue Frog, about the intricacies of orthodontic practice design and construction. Shawn shares his extensive background in the field, discussing the transition from traditional bidding processes to a more integrated design-build approach. He emphasizes the importance of functionality in design, the need for collaboration among various stakeholders, and the challenges faced when working with equipment specialists. The conversation highlights the significance of having an in-house design team to streamline processes, control budgets, and ultimately create efficient and practical dental practices. Jill and Shawn also delve into hidden costs that can arise during construction projects, highlighting the need for thorough inspections and contingency planning. Connect With Our Guest Blue Frog - https://www.bfrog.net/ Takeaways Shawn Rainey has extensive experience in orthodontic office design and construction.The design-build process offers more control over budget and efficiency.In-house design teams can provide real-time budget estimates.Collaboration among architects, engineers, and contractors is essential.Choosing the right space is critical for startup practices.Design should prioritize workflow and practical use over aesthetics.Equipment specialists may not fully understand the needs of practices.Lost time often occurs on the front end of projects.It's crucial to involve design teams early in the process.Hidden costs can arise from unexpected issues in construction.Contingency planning is essential for any project.Permitting requirements can vary significantly by location.Chapters 00:00 Introduction05:04 Startup Construction Fears06:39 Bid-Build vs Design-Build Explained10:23 Design Build Benefits16:58 Workflow Over Aesthetics21:37 Choosing Space and Team27:34 Equipment Specialist Debate29:47 Design Team First33:11 Ego Free Collaboration34:13 Hidden Costs Exposed38:17 Lease And Site Surprises40:24 Permits Zoning Feasibility45:04 Trust The Build Team47:45 Contact Info Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett LuceroAre you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.    If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!   

In today's episode, we discuss the following:1. ChatGPT for Finances2. A free version3. Whether this is the end of budgeting appsResources From VideoChatGPT Prompt: Create a beautiful dashboard that shows me my spending by category, a pie chart that I can click on to show which transactions make up that category, and identify any suspicious transactions and also any recurring expenses. Really make the dashboard really pretty.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Lawmakers recently instructed the Federal Emergency Management Agency to develop a more transparent system for reimbursing states post-disaster. Local governments apply for Public Assistance grants to fund emergency responses, but may wait years for updates and payments.

#SecurityConfidential #DarkRhiinoSecurityMurphy John is the Chief Growth Officer at StorX Network, where he focuses on scaling decentralized data storage solutions and building strategic partnerships. Passionate about data security and privacy, Murphy works at the intersection of decentralization and distributed ledger technology (DLT), helping organizations rethink how data is stored, protected, and accessed globally. His work centers on enabling more secure, resilient, and privacy-first data infrastructure for the future.00:00 Intro01:17 Our Guest02:50 Shifting from On-premise to Cloud Computing09:30 Compliance and Data Privacy in Decentralized systems11:22 Data Recovery13:10 Ransomware and Data security15:31 AI on Cybersecurity19:25 Mindset Challenges in adopting technology26:01 Egress Cost Awareness33:15 Budgeting for Data backup Solutions35:00 More about John

Two-thirds of Americans think retirement is out of reach—but is it really? Steve Hoyl & Derrick Caldwell break down why income planning, not just saving, shapes retirement outcomes. They explore common roadblocks like Social Security gaps, credit card debt, and lack of tax strategy, while highlighting how intentional planning, budgeting, and diversified income streams can change the picture. From annuities to tax-efficient withdrawals, the conversation centers on aligning financial decisions with personal goals and timelines. It’s a practical look at how mindset, preparation, and structure influence what retirement can realistically look like. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

In this episode of Mirror Talk: Soulful Conversations, Doug Peterson joins us for a practical and honest conversation about money, personal finance, financial intimacy, debt, cash flow, and peace of mind.Doug is an entrepreneur of 37 years and an executive coach of 17 years. Through his work with business owners and professionals, he noticed a repeated pattern: many successful people were building businesses and careers while remaining unaware of their true personal spending. That discovery led him to develop a process to help people get their priorities straight and master their personal cash flow.  Together, we explore why money skills are no longer optional. They are survival skills. Doug shares how to understand what you earn, spend and owe, how to prepare for infrequent expenses, how to manage debt wisely, and how couples can build financial intimacy without shame, tension or secrecy.This episode is for anyone who wants to stop avoiding money conversations and start creating financial peace with clarity, honesty and intention.In This Episode, We DiscussWhy personal finance is connected to impact, peace and legacyHow to understand your real spending, including irregular expensesThe difference between budgeting and creating a spending planWhy tools like YNAB can help with real-time cash flow managementHow to prepare for holidays, repairs, maintenance and unexpected costsPractical ways to manage credit cards and high-interest debtHow to build an emergency fund that brings peace of mindWhy financial intimacy matters in relationshipsHow couples can reduce money tension and get on the same pageHow to align money decisions with your values and future goalsTimestamps00:00 Introduction to the episode and guest background01:00 Doug's motivation for coaching others on finances02:10 Why mastering personal finances matters for impact and legacy02:57 Recognising patterns of out-of-control spending03:56 Accounting for infrequent expenses04:54 Using tools like YNAB for cash flow management05:54 Setting money aside for irregular expenses06:54 Budgeting vs spending plans07:38 The electronic envelope system09:07 Responsible credit card use10:33 Behaviour change and financial awareness11:12 How often to review your financial plan12:38 Recommended apps and tools14:19 Intentional spending and cutting waste15:12 How money disappears without awareness16:05 Building an emergency fund17:08 Managing debt and restructuring for savings20:30 Creating a lifestyle within your means23:16 Financial transparency in relationships26:20 Why money skills are survival skills29:00 Managing multiple expenses and life events33:24 The value of regular financial meetings37:03 Improving credit scores and using credit responsibly42:15 The link between happiness and financial peace45:02 Aligning money and values47:14 How to connect with Doug PetersonResourcesWebsite: https://getprioritiesstraight.com/Schedule with Doug: http://schedulewithdoug.com/Facebook: https://www.facebook.com/GetPrioritiesStraightLinkedIn: https://www.linkedin.com/company/getprioritiesstraight/Instagram: https://www.instagram.com/getprioritiesstraight/Tool mentioned: You Need A Budget (YNAB)Listen NowListen to this episode of Mirror Talk: Soulful Conversations and learn how to bring clarity, peace and intention into your relationship with money.Watch on YouTube: https://youtu.be/UBQI0nXqF-Y Ask what is on your heart. Mirror Talk will reflect back what may help you see more clearly. Try it here: https://mirrortalkpodcast.com/ask-mirror-talk/Stay connected: https://lnkfi.re/mirrortalkCould you support us by becoming a Patreon? Please consider subscribing to one or more of our offerings at http://patreon.com/MirrorTalk All proceeds will help enhance the quality of our work and outreach, enabling us to serve you better.

You've tried the apps. You've started the spreadsheet. You tracked your spending for a week (maybe two) and then life happened. Sound familiar?Here's what I want you to know: this is not a you problem. You don't have a discipline problem or a willpower problem. You have a systems problem. And in this video, I'm going to show you exactly why traditional budgeting fails smart, capable women... and what to do instead.In this video you'll learn:Why traditional budgeting was never designed for your real lifeWhy restriction-based budgets are nearly impossible to stick toThe 3-bucket system that replaces overwhelming budget categoriesHow to know exactly what you can spend without tracking every dollarThe simple weekly check-in that keeps you in control without burning outIf you've been stuck in the cycle of trying, stopping, and starting over again — this video is for you.

The “Henssler Money Talks” hosts take a practical look at emergency funds, including how liquid they really need to be, whether keeping everything in cash still makes sense, and what truly qualifies as a financial emergency. They also discuss realistic strategies for building a reserve over time when balancing competing priorities like debt repayment, investing, and retirement savings.Original Air Date: May 23, 2026Read the Article: https://www.henssler.com/before-you-chase-returns-build-reserves

Travel keeps getting blamed on “not enough money,” but that excuse falls apart the moment you can actually see your numbers. We sit down with Vanessa and Shana from Budget Besties, master financial coaches who work with women earning good money and still feeling stuck, stressed, or ashamed about budgeting. They make the B-word feel less like a punishment and more like a plan that gives you real permission to spend on what you love, including a trip you have been postponing for years. We talk through their practical, modern approach to a budgeting system that works in a digital world: a simple one-page layout, automatic money separation, and savings buckets that keep goals clear without tracking every single transaction. They share why most people are not failing at money because of “mindset,” but because nobody taught them the mechanics. Once the system is set up, confidence follows fast, and travel stops being a vague wish and becomes a funded category. We also dig into the truth about credit card points, travel guilt, and vacation debt. A credit limit is not a budget, and points are not worth the heaviness of a balance that steals the joy when you get home. You will hear why a high-yield savings account and a dedicated travel savings bucket can beat the stress of overspending, and how you can pay off debt while still making memories now, not in retirement. If you want budget travel tips, a realistic debt payoff plan, and a clear way to save for vacations in cash, this conversation is for you. Subscribe, share this with a friend who keeps saying “maybe next year,” and leave a review so more women can travel with confidence.Find out more on how the Budget Besties can help you.https://budgetbesties.com/Financial Coaching For Women Podcasthttps://podcasts.apple.com/us/podcast/financial-coaching-for-women-how-to-budget-manage-money/id1562683557 Support the showhttps://www.cherylbeckesch.comhello@cherylbeckesch.comInstagram @solotraveladventures50

Send us Fan MailNonprofit infrastructure planning is often overlooked until growth creates operational stress, staff burnout, and organizational confusion. In this energizing discussion, Sharmon Lebby, founder and CEO of Blessed Designs Consulting, explains why nonprofit leaders must build systems, strategy, and internal alignment before major funding arrives.Many nonprofit organizations operate in survival mode—focused on securing the next grant, donation, or hire—without fully preparing for what sustainable growth actually requires. Sharmon challenges leaders to rethink budgeting, board development, volunteer management, and organizational planning from a long-term operational perspective.“You're not planning for success,” Sharmon explains during the conversation, encouraging nonprofits to think beyond immediate fundraising goals and define what meaningful impact truly looks like.The discussion explores how operational breakdowns often begin internally through unclear systems, rushed onboarding, weak infrastructure, and reactive leadership. Sharmon introduces three core areas nonprofits should continuously strengthen: strategy, systems, and storytelling—including internal storytelling that shapes organizational culture and alignment.The episode also dives into:Why budgeting should function as a strategic compassCreating “dream budgets” before funding existsBuilding board alignment around values and skill gapsPlanning founder transitions and organizational successionShifting from scarcity thinking to intentional impact planningCollaborating with peer nonprofits instead of competing for every dollarOne of the most powerful moments comes when Sharmon reframes the nonprofit relationship with money itself: “Money's not really what you want.”  00:00:00 Why More Money Can Create New Problems 00:02:22 The “Collapsing Table” Infrastructure Analogy 00:04:15 Burnout and Operational Cracks During Growth 00:06:00 Why Nonprofits Don't Plan for Success 00:07:34 Building Systems Before Funding Arrives 00:09:31 Strategy, Systems, and Storytelling Framework 00:11:08 Budgeting as a Strategic Growth Tool 00:13:18 Building Boards Around Values and Skills 00:16:27 Why Nonprofits Are Built in Survival Mode 00:19:14 Redefining the Nonprofit Relationship With Money 00:21:29 Planning From the End Goal Backward 00:22:50 Collaboration Instead of Competition #TheNonprofitShow #NonprofitOperations #NonprofitManagementFind us Live daily on YouTube!Find us  Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits!  12:30pm ET   11:30am CT  10:30am MT  9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Fluent Fiction - Norwegian: Springtime Shopping Spree: Navigating Style and Budget Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-05-23-07-38-19-no Story Transcript:No: Våren hadde kommet til Oslo, og Bogstadveien var full av liv.En: Spring had arrived in Oslo, and Bogstadveien was bustling with life.No: Butikkvinduene glitret med friske vårfarger, og blomstene fra de nærliggende blomsterhandlerne ga luften en herlig duft.En: The store windows glittered with fresh spring colors, and the flowers from the nearby florists gave the air a delightful fragrance.No: Sigrid og Leif ruslet nedover gaten.En: Sigrid and Leif strolled down the street.No: De hadde satt seg et mål: kjøpe sommerklær.En: They had set a goal: to buy summer clothes.No: Sigrid hadde laget en liste.En: Sigrid had made a list.No: Hun likte å være praktisk.En: She liked to be practical.No: Hun beveget seg målrettet, blikket hennes sveipet over butikkene.En: She moved purposefully, her gaze sweeping over the stores.No: "Vi må finne gode kjøp," sa Sigrid og knep til seg veska.En: "We need to find good deals," said Sigrid as she clutched her purse.No: "Jeg har et budsjett jeg må holde meg til."En: "I have a budget I need to stick to."No: Leif smilte bredt.En: Leif smiled broadly.No: "Jeg vil ha noe stilig, noe som står ut," sa han.En: "I want something stylish, something that stands out," he said.No: Han elsket jakker med sterke farger og stilige skjorter.En: He loved jackets with bright colors and trendy shirts.No: "Se der!" Leif pekte mot et butikkvindu med en fantastisk rød jakke.En: "Look there!" Leif pointed to a store window with a fantastic red jacket.No: "Den der er perfekt!"En: "That one is perfect!"No: De delte oppgavene sine; Sigrid til venstre hvor salgsskiltene lokket, og Leif til høyre, mot de nyeste trendene.En: They divided their tasks; Sigrid to the left where the sale signs beckoned, and Leif to the right, towards the latest trends.No: De gikk fra butikk til butikk, Sigrid plukket opp nøye utvalgte plagg, mens Leif drømte om jakken han hadde sett.En: They went from store to store, Sigrid picking out carefully selected garments, while Leif dreamed about the jacket he had seen.No: Så møttes de igjen, i en butikk som hadde varer begge var interesserte i.En: Then they met again, in a store that had items both were interested in.No: Sigrid hadde funnet en flott bukse på tilbud.En: Sigrid had found a nice pair of pants on sale.No: Leif derimot, hadde jakken i hendene.En: Leif, on the other hand, had the jacket in his hands.No: "Jeg vet den er dyr," begynte han, "men den er så verdt det!"En: "I know it's expensive," he began, "but it's so worth it!"No: Sigrid sukket.En: Sigrid sighed.No: "Leif, vi trenger også penger til annet.En: "Leif, we also need money for other things.No: Vi kan ikke bruke alt på én jakke."En: We can't spend everything on one jacket."No: De sto der, omgitt av fargerike klær.En: They stood there, surrounded by colorful clothes.No: En liten krangel begynte å brygge.En: A small argument began to brew.No: Sigrid hadde sitt budsjett, Leif sin stil.En: Sigrid had her budget, Leif his style.No: Ordene ble fler enn de ville.En: The words were more than they wanted.No: Så husket Sigrid noe.En: Then Sigrid remembered something.No: Hun rotet i veska.En: She rummaged in her purse.No: "Vent... jeg har en kupong," sa hun plutselig.En: "Wait... I have a coupon," she suddenly said.No: "Den gir oss 20% avslag."En: "It gives us 20% off."No: Plutselig så Leif håpefull ut.En: Suddenly, Leif looked hopeful.No: Kanskje jakken kunne være innenfor rekkevidde likevel?En: Maybe the jacket could be within reach after all?No: De gikk til kassen, og med kupongens hjelp, klarte Leif å kjøpe jakken til en mer fornuftig pris.En: They went to the register, and with the help of the coupon, Leif managed to buy the jacket at a more sensible price.No: Sigrid handlet de tingene hun hadde planlagt, og følte seg fornøyd med å ha holdt seg innenfor sine grenser.En: Sigrid purchased the items she had planned, feeling satisfied with staying within her limits.No: Leif smilte bredt, ikke bare på grunn av jakken, men fordi Sigrid hadde funnet en løsning.En: Leif smiled broadly, not just because of the jacket, but because Sigrid had found a solution.No: På vei ut av butikken så Sigrid på Leif og smilte.En: On their way out of the store, Sigrid looked at Leif and smiled.No: "Kanskje jeg også burde kjøpe noe ekstra til meg selv neste gang," tenkte hun høyt.En: "Maybe I should buy something extra for myself next time," she thought aloud.No: Leif nikket, "Og jeg kan være mer bevisst på budsjettet."En: Leif nodded, "And I can be more mindful of the budget."No: De gikk videre nedover Bogstadveien, tilfredse med at de hadde funnet klær som passet både stil og lommebok.En: They continued down Bogstadveien, satisfied that they had found clothes that suited both style and wallet.No: Våren smilte til dem fra de grønne trærne, og de hadde lært noe viktig om hverandre.En: Spring smiled at them from the green trees, and they had learned something important about each other. Vocabulary Words:arrived: kommetbustling: full av livfragrance: duftstrolled: rusletpurposefully: målrettetgaze: blikketclutched: knep til segbroadly: bredtstylish: stiligtrendy: nyestefantastic: fantastiskbeckoned: lokketgarments: plaggdreamed: drømtesigh: sukketargument: krangelbrew: bryggerummaged: rotetcoupon: kupongregister: kassensensible: fornuftigsmiled: smiltesolution: løsningsatisfied: fornøydmindful: bevisstwallet: lommebokspring: vårentrees: trærnelearned: lært

In today's Five Question Friday (FQF) video, we cover these questions: 1. How many years of "safe funds" should you hold beyond guaranteed income?2. Reducing portfolio risk in retirement when returns aren't needed3. Budgeting app that syncs the Sam's Club Mastercard4. Does the 4% rule account for pre-tax vs. after-tax assets?5. Should you only sell stocks when the market is at record highs?Resources From VideoBudgeting Apps: https://robberger.com/best-budgeting-...Monarch Money: https://go.robberger.com/monarch-rob5... (Promo code: ROB50)https://www.wallstreetcourier.com/spo...https://www.morningstar.com/economy/w...https://www.monarch.com/connection-st...https://robberger.com/research/asset-...https://www.kitces.com/blog/the-impac...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In This Episode of Business Lunch: We explore effective marketing and sales strategies for high-ticket services, emphasizing the importance of working backwards from your end goals, focusing on the right customer journey, and structuring sales teams for success.Chapters:00:00 Introduction and May Madness03:04 Client Consultation Insights06:03 Lead Generation and Self-Liquidating Offers08:57 The Importance of Sales Teams11:53 Nurturing Leads Effectively15:05 Budgeting for Sales and Marketing18:02 Working Backwards from Goals20:57 Adapting Strategies for Different ProductsConnect with me on social:TikTok: Check out my TikTok HereInstagram: Check out my Instagram HereFacebook: Check out my Facebook HereLinkedIn: Check out my LinkedIn HereSubscribe to my YouTube

Around 84,000 households in social or emergency housing will pay an extra $31 a week in rent from April next year. Lara Dolan, chief executive of Mangere Budgeting Service Trust spoke to John Campbell.

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties… do you have 10 minutes?Because if you do, we're about to give you the easiest, quickest, least-overwhelming way to organize your finances. And we mean actually organize them — not just “everything's fine” while the room is metaphorically on fire.

Along with hearing about volcanoes, waterfalls, black sand beaches, and gorgeous landscapes, one of the biggest things people associate with Iceland is how expensive it is. And honestly, that conversation comes up constantly. It's one of the most common questions when I am helping travelers planning their first trip here. Iceland has built a reputation online for being adventurous and fascinating, but also very expensive. And to be fair, it absolutely can be. Publications like Travel + Leisure have even ranked Iceland among the most expensive travel destinations in the world. From my perspective as someone who has lived in Iceland since 2016 and helped thousands of travelers through my podcast, social media channels, private consultations, and my in-depth video course, The Savvy Traveler's Guide to Iceland, what stands out to me is this: most people don't create a realistic budget for Iceland. Inside This 5-Day Iceland Budget Guide Knowing where to start with Budgeting for 5-days in Iceland Why the Season You Visit Changes Your Entire Budget What Kind of Iceland Experience Do You Want? Flights to Iceland Accommodations: The Biggest Budget Variable Rental Cars & Iceland’s New Road Tax How to Save on Renting a Car and Camper Van in Iceland The Hidden Iceland Expense Most Travelers Forget: Parking Fees Food Costs in Iceland Activities & Tours: What to Expect Use Discount Codes Strategically to Save Money Unexpected Costs Realistic 5-Day Iceland Budgets by Season Winter Budget Breakdown Shoulder Season Budget Breakdown Summer Budget Breakdown Knowing Where to Start with Budgeting a 5-day Trip for Iceland I think that people don’t always create a realistic budget for Iceland because they don’t know where to start. Travelers are often unsure about  how much to set aside for accommodations, activities, rental cars, food, parking, or even how much the season changes everything. So instead of just throwing random numbers at you, I want to walk you through how I would personally budget for a 5-day trip to Iceland depending on your travel style, the season, and the choices you make while you're here. Because the reality is that a 5-day trip to Iceland could cost one person around $1,300 and another person over $4,000 — and both of them could still have incredible experiences. The Season You Visit Iceland Changes Everything If there's one thing I really want travelers to understand before budgeting for Iceland, it's this: the season you visit impacts almost every single part of your trip. That includes accommodations, rental cars, flights, activities, and even how you spend your time while traveling. I'm honestly not exaggerating when I say that the exact same hotel room can literally double or triple in price depending on the month. For example, a hotel room that costs around $120 per night in winter can easily jump to $250–350 per night in summer. Same room. Same location. Same hotel. The only thing that changed is the season. Now, I don't say that to scare anyone. There are also unique events that can create unusually high prices, like the 2026 total solar eclipse in Iceland, where some accommodations are charging thousands of dollars per night because demand is so intense. That's not the normal reality for Iceland travel, but it does show how much seasonality and demand affect pricing here. Rental cars work exactly the same way. In summer, demand skyrockets, and travelers are often shocked by how quickly prices increase if they wait too long to book. What Kind of Iceland Experience Do You Want? Another huge part of budgeting for Iceland is understanding the type of trip you actually want to have. I think social media sometimes makes this harder because people see inspiration online and accidentally start comparing their budget to someone else's completely different trip. Maybe you want to see the Northern Lights, but you're planning to come in summer, which, by the way, isn't possible because the sun barely sets. Maybe you want to base yourself in Reykjavík and do day trips, or maybe you want to road trip around the country and stay in multiple places. Perhaps you want to rent a camper van or stay in luxury hotels for part of the trip because you're celebrating something special. All of those decisions affect your budget. One thing I regularly help people understand during my private video consultations is that Iceland often looks much smaller on the map than it actually is once you start driving around it. For example, if someone wants to stay in Reykjavík the whole trip but also drive to Jökulsárlón Glacier Lagoon, I explain that this is about a five-hour drive one way. That's ten hours of driving in a single day before you even stop at waterfalls, black sand beaches, or anywhere else along the route. That's why route planning matters so much in Iceland, not only for your sanity but also for your budget. Flights to Iceland – Cost per Season Flights to Iceland fluctuate constantly depending on the season, where you're flying from, how early you book, and global fuel prices. For winter, flights are often around $400–700 roundtrip, while summer flights can range from $600–1,200 or even higher. And honestly, airfare pricing lately has become even harder to predict because of global fuel market instability and international conflicts affecting energy prices. Those things trickle into airline pricing too, so whenever I give ranges for Iceland travel costs, I always want people to understand that these numbers are based on averages and trends, not guarantees. One thing I personally recommend is signing up for airline email lists, like Icelandair or Delta Air Lines, because they regularly send flight sales. I also use Google Flights to track pricing trends, and you'd honestly be surprised how much prices can fluctuate from one week to another. Accommodations in Iceland: The Biggest Budget Variable Accommodation is usually where people underestimate costs the most. For budget accommodations like hostels, guesthouses, smaller rooms, or shared bathroom situations, you're generally looking at around $400–700 total for five nights in winter and about $700–1,400+ in summer. For mid-range accommodations, such as private hotel rooms, apartments, or guesthouses with private bathrooms, winter pricing is usually somewhere around $700–1,400 for five nights, while summer can jump to $1,200–2,000+. And yes, summer pricing really can get that high. If you're considering a camper van, that can sometimes help reduce accommodation costs, though prices vary dramatically depending on the vehicle and the season. I always recommend booking accommodations as early as possible for summer travel. Honestly, if you can plan a year in advance, that's ideal. Six months minimum is usually what I suggest if possible. Rental Cars Cost & Iceland's New Road Tax If you're planning to leave Reykjavík, I strongly recommend considering a rental car because it gives you so much flexibility. Winter rental prices for a smaller car are often around $120–150 per day, while SUVs are closer to $170–180 per day. In summer, smaller cars can easily be $150–200+, and SUVs can go even higher depending on the size and capability of the vehicle. For a five-day trip, many travelers spend somewhere between $600–1,200+ once you include gas and insurance. And there's another thing travelers now need to budget for. Starting in 2026, Iceland implemented a kilometer-based road tax system that applies to vehicles, including rental cars. Iceland Kilometer Fee Information Most travelers won't calculate this themselves because rental companies typically include it either as a per-kilometer fee or as a flat daily charge. For example, Go Car Rental Iceland currently charges approximately €10.50 per day as a flat mandatory road tax fee. Fuel prices in Iceland have lowered somewhat since the road tax was introduced, but global events still impact fuel pricing significantly. How to Save on Renting a Car & Camper Van in Iceland Through my discount links with Go Car Rental Iceland and Go Campers, you can save 7% on your rental. Go Car also includes free 4G WiFi, while Go Campers includes a free sleeping bag. And honestly, the WiFi is incredibly useful because you can check weather, road conditions, maps, email, WhatsApp, and social media while driving around Iceland You can head to gorentals.is/allthingsiceland Once you enter your travel dates, the 7% discount is automatically applied. For Go Car:When you get to the extras section, select 4G WiFi. You'll see the price stays the same, even though it has been added.  For Go Campers:Choose a sleeping bag under the “extras” section, and same thing, the total price won't increase. And just so you know, using my link gives me a small commission at no extra cost to you. It's one of the ways you're supporting All Things Iceland and the content I create. So thank you for that. The Hidden Expense in Iceland that Most Travelers Forget: Parking Fees Many waterfalls, black sand beaches, scenic viewpoints, geothermal areas, and hiking spots now charge for parking. This is especially in popular areas like the Golden Circle, South Coast, Snæfellsnes Peninsula, and downtown Reykjavík. I've seen this change a lot over the years since I moved here in 2016. There were many places that used to have completely free parking, but because of the increase in tourism, road maintenance, parking lot maintenance, and of course landowners wanting to make money, parking fees have become much more common. I usually recommend budgeting around $80 USD total for parking during a 5-day trip depending on how much driving you're doing. You can also use the Parka app to look up parking fees in advance, which can help a lot with planning. If you're unsure where to go or how to organize your route efficiently, I highly recommend checking out My Iceland Map on Rexby. It includes 350+ personally recommended locations around Iceland that I've visited and enjoyed myself. Food Costs in Iceland Food absolutely adds up in Iceland if you eat every meal out. A casual restaurant meal is usually around $20–35 per person, while a nicer dinner can easily be $40–80+. Coffee and a pastry are often around $10–15, and cocktails in Reykjavík can easily cost over $20 each. For five days, I'd say a budget traveler who cooks some meals or makes sandwiches could probably spend around $150–300, while a mid-range traveler who eats out more regularly could spend around $300–700+. One of my favorite budget hacks is booking accommodations with breakfast included. Then you can eat a larger breakfast, make sandwiches or grab snacks for later, and only pay for dinner out. For groceries, Bónus is generally the cheapest option, while Krónan is another great alternative. And surprisingly, IKEA Iceland is one of the cheapest places to sit down and eat a full meal in Iceland. I’m not suggesting that you eat at IKEA every day but I just think it is fun to share that random information. What to Budget for Activities & Tours in Iceland This category really depends on what type of traveler you are. Some people are perfectly happy exploring waterfalls, scenic drives, geothermal areas, and hiking trails, which can keep costs relatively low. Others want glacier hikes, snorkeling, whale watching, ice caves, and snowmobiling. All of these activities can add up quickly. The Blue Lagoon and Sky Lagoon are generally around $100–150+, glacier hikes are around $100–200+, whale watching tours around $118–150+, and ice cave tours can range from $150–300+ depending on the experience. One of my favorite lower-cost alternatives to the major lagoons is going to a local swimming pool like Laugardalslaug. It has Olympic-sized pools, hot tubs, a cold plunge, slides, and it gives you a chance to experience Icelandic swimming pool culture alongside locals for a fraction of the cost of the lagoons. And if you love museums, there are actually certain times of year when you can visit many for free during events like Winter Lights Festival in February and Menningarnótt (Culture Night) in August. Use Discount Codes & Links to Save Money in Iceland One of the easiest ways to save money in Iceland is by not paying full price when you don't have to. My free Iceland Discount Code Bundle includes discounts for rental cars, camper vans, tours, activities, hotels, outerwear, and more. Most tour discounts are around 10% off, and when you apply those savings across multiple activities, it really does make a noticeable difference in your final trip budget. Always Leave Room for Unexpected Costs This is honestly one of my biggest Iceland budgeting tips overall: always leave room for flexibility. Weather changes quickly in Iceland, and road conditions can shift plans unexpectedly. That could mean rerouting, staying somewhere an extra night, changing accommodations, or adjusting activities because of storms or warnings. Whenever possible, I recommend keeping a few hundred dollars of flexibility in your budget if you can. It just makes the trip feel significantly less stressful. Realistic 5-Day Iceland Budget by Season For winter travel between November and March (excluding holidays), a budget traveler is usually looking at around $1,300–2,000, while a mid-range traveler is closer to $1,800–2,700. Winter tends to be cheaper because hotel demand is lower, rental cars are less expensive, and there are fewer crowds. The trade-off, of course, is less daylight and more unpredictable weather. For summer, budget travelers are usually spending around $1,800–3,000, while mid-range travelers are closer to $2,500–4,000+. Summer costs rise because of peak tourism demand, midnight sun season, easier travel conditions, Highlands access, and limited accommodations. The biggest reason I wanted to make this episode was honestly to help people manage expectations. Iceland can absolutely be expensive. But once you understand how seasonality works, where your biggest expenses are, and how to budget realistically, it becomes much easier to create a trip that works for your finances and travel style. And honestly, being informed ahead of time makes Iceland feel so much less overwhelming. The Random Fact of the Episode Did you know that Iceland has around 41 active volcanic systems — including volcanoes beneath the ocean? According to Náttúra Íslands (Natt.is), a volcano is considered “active” if it has erupted within the last 11,000–12,000 years, which is actually pretty recent in geological terms. The most active volcanic system in Iceland is called Grímsvötn, located in Southeast Iceland. It has erupted on average about once every decade over the last thousand years. Meanwhile, Iceland's largest volcanic system is Bárðarbunga, and many of the country's enormous lava fields were created from eruptions there. What's also fascinating is that volcanic systems in Iceland are often made up of: a central volcano, plus a fissure swarm, all connected to a shared underground magma chamber deep within the Earth's crust. Which honestly explains why Iceland can sometimes feel like you're standing on another planet. Icelandic Word of the Episode ferðakostnaður — travel expenses or cost of travel Pronunciation: FEHR-tha-kost-na-thur This felt like the perfect word for this episode because honestly… that's exactly what we've been talking about the entire time.  In Icelandic: ferð = trip/journey kostnaður = cost/expense So together: ferðakostnaður = the cost of traveling. Example: “Ferðakostnaður á Íslandi getur verið hár á sumrin.” “Travel costs in Iceland can be high during the summer.” And trust me… Icelanders definitely understand this too, especially when traveling around their own country during peak season. Share this with a Friend Facebook Pinterest Threads Email Let’s Be Social Youtube Instagram Tiktok Facebook Þakka þér kærlega fyrir að hlusta og sjáumst fljótlega.

A lot of Christian dads think budgeting is only for people who are broke. But imagine standing before God—the true Owner of everything—and saying, “We made money… we just don't really know where it went. And we don't have a plan for what's next.” That's not freedom. That's careless stewardship. In this episode of Abraham's Wallet, we talk about why even prosperous families must budget like serious managers of wealth, how budgeting actually protects your future, and why the habits you build now will serve your family for decades. If you've ever thought “we don't need a budget,” this one might change the way you see money forever. About Abraham's Wallet: Abraham's Wallet exists to inspire and equip Biblical family leaders. Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - How to Budget for Your Family(00:04:41) - Don't Trust A Man Without a Budget(00:13:09) - Ways to Steward Your Assets(00:13:40) - Planning for Money in 2017(00:16:03) - Know Well the Condition of Your Flocks(00:18:29) - Anatomy of Awareness(00:21:05) - Reasons for Maximization of Resources(00:28:14) - Maximizing Spending: The Key to Life(00:30:09) - Luke 14: Budgeting for Life(00:32:01) - Budgeting for Multi-Generational Wealth(00:36:24) - Steve Jobs: How to Manage Your Money(00:38:42) - How to Budget a $500 Budget(00:45:42) - How to Plan Your Family's Budget