Podcasts about budgeting

In this episode of the Earn and Invest podcast, host Doc G interviews Jesse Mecham, founder of the highly popular financial software YNAB (You Need A Budget), to discuss his upcoming book, Never Worry About Money Again. The conversation centers on a radical shift in Mecham's philosophy: abandoning the word "budget" in favor of mastering intentional spending. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the greatest shift you could make in your financial life didn't begin with a new budget, a better investment strategy, or a higher income—but with surrender? We don't often think of surrender as a financial word, but it lies at the heart of biblical stewardship. When we embrace the life-changing truth that God owns everything, it transforms how we live, give, plan, and manage the resources He has entrusted to us. The First Question Scripture Asks When we think about money, we tend to ask familiar questions: How much do I have? How much will I need? Am I making progress? Am I doing better or worse than others? Those questions may be important, but they are not where Scripture begins. From the opening pages of the Bible, God is revealed as the Creator and owner of everything. Before humanity ever cultivated a garden or named a creature, God formed, filled, and ruled creation. Psalm 24:1 declares: “The earth is the Lord's and the fullness thereof, the world and those who dwell therein.” Simply put, God is the owner, and we are His stewards. For many Christians, that is a familiar idea. But familiarity does not always lead to surrender. We may affirm that God owns the universe while living as though we built our lives entirely through our own effort. We say, “I worked for this,” or, “I earned this.” And while diligent work matters, Scripture reminds us that even our ability to produce wealth comes from God. Deuteronomy 8:18 says: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” Our talents, opportunities, health, time, and ability to work are all gifts from the Lord. Owners or Stewards? Jesus develops this idea in the parable of the talents in Matthew 25. A master entrusts resources to three servants before leaving on a journey. Two servants put what they received to work, while the third buries his portion out of fear. When the master returns, he commends the first two servants—not merely because they produced impressive results, but because they were faithful. That distinction matters. The world often defines success by outcomes: how much we earn, accumulate, grow, or achieve. God calls us to something deeper—faithfulness with whatever He has placed in our hands. If God owns everything, then we are not owners in the ultimate sense. We are managers. The New Testament word commonly translated as “steward” is oikonomos, meaning “household manager.” A steward manages resources he did not create, for purposes he did not determine, under the authority of the master he serves. At first, that may sound limiting. In reality, it is profoundly freeing. As financial teacher Ron Blue has often said, “If God owns it all, you can't lose anything.” Ownership carries an enormous burden. The owner must ultimately provide, protect, and control. But if God is the owner, then we do not have to carry those responsibilities alone. Stewardship carries responsibility, but it also rests on trust. When Financial Choices Become Worship When we truly embrace stewardship, ordinary financial decisions become opportunities to worship God. Budgeting becomes more than organizing income and expenses. It becomes a way of aligning our desires with God's priorities. Giving becomes a response to the generosity we have already received from Him. Saving becomes wise preparation rather than fearful hoarding. Planning becomes an act of obedience rather than an attempt to control every possible outcome. Investing becomes a way to cultivate and multiply what belongs to the Lord, not a strategy for securing complete independence from Him. The Puritan pastor Thomas Watson once wrote, “What we keep, we may lose. What we give to God is kept forever.” That statement reminds us that earthly ownership is temporary, but faithful stewardship has eternal significance. The apostle Paul writes in 1 Timothy 6:7: “For we brought nothing into the world, and we cannot take anything out of the world.” That reality is not meant to discourage us. It is meant to liberate us. When we stop clutching what we cannot keep, we become free to invest our lives in what can never be lost. Faithfulness Begins With Surrender If God owns everything, what does He expect from us? Jesus gives us a clear answer in Luke 16:10: “One who is faithful in a very little is also faithful in much.” Faithfulness is not determined by the size of our income, investment portfolio, home, or charitable gifts. It is about how we respond to whatever God has entrusted to us. Stewardship is not reserved for the wealthy. It applies to every person in every financial season. A person living paycheck to paycheck can be faithful. A retiree managing decades of savings can be faithful. A young adult earning their first salary can be faithful. A business owner, parent, student, or widow can all honor God through the resources in their care. Faithfulness is not primarily about how much we have. It is about whether we have surrendered what we have to God. And surrender always begins in the heart. The Humility and Hope of Stewardship When we accept that God owns it all, we receive two things the world cannot offer: humility and hope. We gain humility because we stop viewing our accomplishments as entirely self-made. We recognize God as the source of our abilities, opportunities, and provision. We gain hope because we realize that we are not carrying the burden of provision alone. God equips. God guides. God provides. That does not mean we stop working, planning, or making wise decisions. Biblical stewardship requires diligence. But it allows us to work faithfully without treating every result as though it depends entirely on us. So where might God be inviting you to shift from an owner's mindset to a steward's heart? Perhaps it is in your giving, planning, saving, or lifestyle. Perhaps it is in the quiet assumption that your security depends more on markets, income, or possessions than on the God who “owns the cattle on a thousand hills” (Psalm 50:10). Stewardship is not about God trying to get something from you. It is about God doing something within you. It reorders the heart so that money occupies its proper place—not as a master, but as a tool entrusted to us for God's purposes and glory. Continue the Journey To explore more about God's ownership and the surrender at the heart of faithful stewardship, consider Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. This devotional is designed to help you examine your relationship with money, possessions, generosity, and the God who owns it all. Copies are available for individuals, churches, and small groups at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I'm working on my budget and currently contributing 15% to my 401(k), with about a 5% employer match. But I have less than two months of expenses in my emergency fund. Should I reduce my 401(k) contributions and focus on building six months of emergency savings first? My mother passed away and left my sister a house in Lares, Puerto Rico, but the title was never transferred into my sister's name. She's been living there for about a year. What process does she need to follow to get legal ownership under Puerto Rico law? Some relatives inherited property and are receiving calls from out-of-town people offering to help them sell it. What kind of professional should they work with? Could a Certified Kingdom Advisor® (CKA®) help them find a trustworthy real estate attorney or other needed professionals? I'm a widow, and since my husband passed away a couple of years ago, I've felt unsure about financial decisions. I have a little over $1 million in an IRA, no debt or mortgage, and my expenses are covered by survivor Social Security and part-time work. I want to steward these assets well for my children and grandchildren. What strategy should I consider for the IRA, and what kind of advisor should I work with? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

BOOK YOUR 1:1 ALIGNMENT CALLFINAL SPACES FOR 1:1 COACHINGRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠Threads:⁠ @sigma.wmn⁠In Part 2, we unpack the hidden business mistakes that can quietly cost women business owners thousands when growth is happening without the right strategic oversight. From staying a sole practitioner for too long, to overspending on contractors, to making decisions without fully understanding the financial implications, this episode looks at the risks that often sit beneath the surface of business growth.We explore why business structure matters more than many women business owners realise, especially when revenue is increasing and responsibilities are expanding. What feels like keeping things simple can sometimes create unnecessary tax pressure, financial inefficiency or long-term complications. We also look at the costly mistakes that happen when support is brought in too soon, too vaguely, or without knowing what good support should actually look like.Tune in to hear:The risks of staying a sole practitioner for too long.Why overspending on contractors can quietly drain your business.How to avoid getting ripped off by support you do not actually need.Why strategic oversight matters when making financial and operational decisions.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:Why staying a sole practitioner for too long can create financial and tax-related problems.How to recognise when contractor support is unnecessary, premature or overpriced.What can go wrong when business decisions are made without strategic oversight.Why understanding what to look for in contractors can protect your time and money.How stronger business structures and sharper decision-making support long-term profitability.Themes & Time Stamps:0:00 – Introduction: mistakes business owners make without a consultant0:36 – Why this series: consulting is more than social media & marketing2:25 – Mistake #1: Staying a sole trader too long instead of incorporating4:06 – The accountant who failed to act — and the $100K tax debt5:21 – How she paid off nearly six figures in 14 months6:51 – Lesson: don't stay loyal to contractors who aren't delivering8:13 – Sole trader vs. company structure: talk to your accountant8:50 – Budgeting advice: running on 70% toward debt & investing9:35 – Mistake #2: Spending money on contractors you don't need10:24 – When to hire a VA (and when NOT to)11:00 – Getting ripped off by contractors — and how to spot it11:44 – Mistake #3: Doing things that are illegal or against regulation12:44 – Why the "boring" structural stuff matters most13:20 – Wrap-up: leave a review & request more episodes

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Send us Fan Mail"I realized my money was actually invested in ways that were undermining me. It was invested in things that were creating the problems I was trying to solve."- Janine FirpoMeet Janine Firpo, co-founder of the nonprofit Invest for Better and author of Activate Your Money. With a 35-plus-year career that took her from coding in Silicon Valley in 1981 to fighting international poverty with technology, Janine's path has never been ordinary. After retiring eight years ago, she took her money back from her financial advisors, started figuring it out herself, and founded a movement. Today, she helps women step into their economic power, not just by investing more, but by investing with intention and in alignment with their values.In this episode, we sit down with Janine for one of the most eye-opening conversations we have ever had about women and money. This one goes deep. We are talking about what it really means to invest with your values, why most of us have no idea what our money is actually doing in the world, and how even small shifts can create a ripple effect that changes everything.You will walk away with practical, no-overwhelm steps to start aligning your money with your values today, even if you only have a bank account.Women are outperforming men in investing but we're still less likely to start. If you'd like to take the next steps, Join us for next week's Money Talks “Your Next Investment Move: A Step-by-Step Breakdown”. We're getting into how to begin, what actually matters, and why the biggest risk is waiting too long. Click here to register for FREE and bring your questions! Follow & connect with Janine:Invest For BetterOur Sheconomy InstagramLinkedIn Our Sheconomy on LinkedIn Activateyourmoney.net   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!...

In this AMA episode, Ben Felix, Dan Bortolotti, and Ben Wilson tackle a wide range of practical investing questions submitted by listeners. They begin by discussing one of the most common investing mistakes—market timing—and explain why getting back into the market is often harder than getting out. From there, they explore the evidence behind lump sum investing versus dollar-cost averaging, why high valuations rarely justify sitting in cash, and how your discomfort with investing may reveal a mismatch between your portfolio and your true risk tolerance.   The conversation also pulls back the curtain on PWL Capital's investment committee, detailing how new investment products are evaluated, how due diligence is conducted, and why even seemingly simple index funds require ongoing scrutiny. They then examine whether any recent Canadian ETF innovations are genuinely useful, discuss retirement-focused T-Series asset allocation ETFs, debate whether gamified trading creates opportunities for active management, and respond to questions about inflation, currency debasement, and the real drivers of long-term stock returns. As always, the episode closes with a lighter listener question before reading a review from the audience. Key Points From This Episode: (0:04) Introduction and why AMA episodes continue to resonate with listeners. (0:55) A listener asks how to reinvest after selling half their portfolio over bubble concerns. (2:00) Why successful market timing requires being right twice. (3:04) Why all-time market highs are normal and poor signals for investment decisions. (4:00) What market valuations can—and cannot—tell us about future returns. (5:00) The evidence comparing lump sum investing with dollar-cost averaging. (6:34) Why even the worst historical entry points rarely favor dollar-cost averaging. (9:07) How investment anxiety often points to an overly aggressive asset allocation. (11:37) The psychology of buying after market crashes and why investors rarely do. (13:20) Why the best strategy is often whichever gets you invested and keeps you there. (16:14) A behind-the-scenes look at PWL Capital's investment committee. (17:23) How new securities are researched, reviewed, and approved. (19:10) How acquisitions have changed the firm's investment oversight process. (20:15) Annual due diligence on ETF providers and fund managers. (21:55) Why even plain-vanilla index funds require performance monitoring. (25:17) Are there any genuinely innovative new Canadian ETFs? (26:27) Why most ETF innovation is driven by investor demand rather than better investing. (28:19) Avantis ETFs and discount bond ETFs as notable recent developments. (33:52) Why ETF issuers tend to launch products after investment themes become popular. (33:52) Where investors should spend their planning time when wealth is still relatively small. (35:00) Why growing human capital often has a greater impact than optimizing investments. (37:59) Budgeting, saving, and account selection early in an investing journey. (39:14) BMO's new T-Series asset allocation ETFs and how they generate retirement income. (41:56) Understanding managed distributions and return of capital. (44:08) Why these retirement ETFs may suit DIY investors but not every retiree. (48:31) Whether gamified trading and meme stocks create opportunities for active managers. (50:08) What the evidence says about active management in small-cap growth stocks. (53:39) Why market competition limits persistent opportunities from retail speculation. (53:39) Do stocks only rise because governments debase currencies? (55:59) Inflation measurement, currency debasement, and common misconceptions. (58:10) Why productive businesses—not money printing alone—drive long-term stock returns. (59:53) Ben answers a listener's basketball shoe question. (1:02:02) A listener review from Switzerland and closing remarks. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dollar Cost Averaging vs Lump Sum Investing - https://pwlcapital.com/wp-content/uploads/2024/08/Dollar-Cost-Averaging-vs-Lump-Sum-Investing.pdf Buy The Dip - https://pwlcapital.com/wp-content/uploads/2024/08/PWL-Felix-Warwick-Buy-The-Dip_A.pdf   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)  

Africa Melane speaks to Dehan Scherman, Senior Operations Manager at National Debt Advisors, about why taxpayers should think twice before borrowing or spending against an expected SARS tax refund. With billions already paid out this tax season, they unpack the risks of refund-anticipation borrowing, how the two-pot retirement system could affect refunds, and the smartest ways to use your payout once it reaches your account. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@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.

What does it actually look like to get better at budgeting?Most people think budgeting starts and ends with writing down their bills and paying them on time. While that's a great start, it's only the beginning.In this episode, I'm walking you through what the journey of budgeting really looks like—from creating your first zero-balance budget to planning ahead, building savings, reaching bigger financial goals, and becoming someone who feels calm and confident with money.

What would it look like if your financial plan actually included a line item for aesthetics? Melissa Joy, CFP®, sits down with Stephanie Stewart, PA-C, founder of The Aesthetic Method, an award-winning medical spa in Ferndale, Michigan, to have the honest conversation that most financial planners and patients avoid entirely. From the secret dollars women squirrel away for skincare to the emotional weight of wanting to invest in how you look and feel, this episode brings a private topic into the open where it belongs.Stephanie shares her remarkable path from emergency medicine to entrepreneurship, sparked by a car accident at 15 that required years of facial reconstructive surgeries. She opens up about the real cost of injectable treatments, what a full face assessment actually looks like, and how to find a provider you can trust. Melissa and Stephanie also explore the parallel between financial planning and aesthetic medicine, two fields built on transparency, trust, and the courage to say no when it is not the right fit.What You'll LearnHow burnout in the emergency department led Stephanie to found The Aesthetic Method in 2018Why women often keep aesthetic spending secret, and how to change that conversationWhat happens during a full face assessment and how a personalized treatment plan is builtThe difference between neuromodulators, bio-stimulators, and filler, and how long each lastsReal cost ranges for common injectable treatments, from 500 dollar Botox sessions to 3,500 dollar Sculptra plansGreen flags and red flags to look for when choosing a med spa providerWhy a provider willing to say no is a sign of someone looking out for youHow financial planners and aesthetic professionals share a standard of care worth seeking outConnect with Stephanietheaestheticmethod.comInstagram: The Aesthetic MethodThe previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Quicken Simplifi vs Rocket Money vs EveryDollar: Which budgeting app is best for beginners? This episode compares three of the best budgeting apps and explains how to set up a monthly budget correctly.Budgeting apps can automate transactions, organize spending and track financial goals, but the wrong app,or the wrong setup,can create more confusion than clarity. In this episode of The Financial Mirror, we compare Simplifi, Rocket Money and EveryDollar based on ease of use, automation, planning style and the amount of involvement each app requires.You will learn when budgeting apps help, when they become overwhelming, how automation differs from active tracking, and why realistic categories matter more than a perfect-looking dashboard.The episode also includes a complete monthly budget example using $5,250 in take-home pay. You will see how the same income can be reorganized to build an emergency fund, reduce credit card debt and prepare for irregular expenses.Most financial problems are not simply math problems. They are structure and behavior problems. The right budgeting system should reduce friction, make your priorities visible and help you make better decisions throughout the month.For hands-on assistance, information about my budgeting app setup service is included below.Subscribe to The Financial Mirror for calm, practical and beginner-friendly financial education.**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/#BudgetingApps #BudgetingForBeginners #QuickenSimplifi #RocketMoney #EveryDollar#MonthlyBudget #BudgetingTips #MoneyManagement #PersonalFinance #FinancialEducation #ZeroBasedBudget #ExpenseTracking #TheFinancialMirror

Episode Summary What if your biggest financial leak isn't your spending—but your bank? Many Christians faithfully tithe, budget, and work hard, yet unknowingly lose hundreds or even thousands of dollars every year because their banking system is working against them. In this episode, Dr. Chonta Haynes reveals three biblical financial pillars every Kingdom entrepreneur needs: banking wisely, building wealth intentionally, and budgeting according to your God-designed Money Personality. You'll learn how to eliminate unnecessary bank fees, earn more from your savings without working harder, separate business and personal finances, and build a financial structure that honors God while creating lasting wealth. If you're ready to stop leaking money and start building legacy, this episode is for you. Detailed Timestamps 00:00 Why your bank may be quietly stealing your money 01:20 The hidden fees most Christians never notice 02:20 Three banking decisions every Kingdom entrepreneur should make 03:40 Why changing banks may be the smartest financial move you'll make 05:00 How maintenance fees quietly drain your wealth 06:45 What your checking account should NEVER charge you 08:25 The easiest money you'll ever earn without working another hour 09:00 Real story: How moving one account earned hundreds of dollars 10:30 Why traditional savings accounts are costing you money 12:35 Why business and personal finances should never mix 14:00 The biblical financial structure every entrepreneur needs 14:40 Why budgeting fails for most Christians 15:40 Budgeting tips for Steam personalities 16:20 Budgeting tips for Water personalities 16:55 Budgeting tips for Ice personalities 17:30 Budgeting tips for Fire personalities 18:30 Build a financial system that creates peace instead of panic 19:00 Preview: Using AI for Biblical Stewardship CROWNed by Design Collective: https://chontahaynes.com/collective Books mentioned by Dr. Haynes: https://chontahaynes.com/books Connect with Dr. Chonta Haynes: Book a call https://chontahaynes.com/destiny YouTube: https://youtube.com/@ChontaHaynes Instagram: https://Instagram.com/ctahaynes LinkedIn: https://linkedin.com/in/chonta-haynes Support the Mission Heart 2 Heart Truth Foundation Donate: https://www.paypal.com/donate?hosted_button_id=UZG5B9KX59U4S

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Run the Numbers, CJ sits down with Rogo president Rahul Rekhi to unpack what AI actually changes in investment banking and finance. They dig into token economics, why adoption without ROI is a trap, how vertical AI wins, and why domain expertise still matter.—SPONSORS:Pulley is an equity management platform that lets you issue options, model dilution, and complete 409As without your cap table turning into a spreadsheet disaster. Founders raising, hiring, and scaling use Pulley to keep equity clean and stay focused on building. Learn more or request a demo at https://pulley.com/mostlymetricsRillet is an AI-native ERP built for modern finance teams that want to replace NetSuite and close faster. With revenue recognition, close management, multi-entity support, and native Stripe and Salesforce integrations, Rillet helps scaling companies run their finance stack in one place. Hundreds of teams, including Windsurf and Mercor, use Rillet to make the zero-day close real. Book a demo at https://www.rillet.com/cjMaximor is an autonomous finance platform that runs order-to-cash, procure-to-pay, the close, cash management, and reporting on self-learning agents instead of a dozen disconnected tools. One PE-backed customer cut their close in half, took audit findings from seven to zero, and cut back-office costs by 70% in six months. You pay for outcomes, not seats. See it at https://www.maximor.ai/Brex is an intelligent finance platform with AI-powered agents that capture expenses automatically, enforce policy before the spend happens, and close your books in minutes instead of weeks. 35,000+ companies like OpenAI, Coinbase, Anthropic, and DoorDash already run on Brex. It's time to get Brex AF. Learn more at https://www.brex.com/metricsAnrok is the sales tax platform that watches your exposure everywhere, automates compliance, and flags risk before it turns into a surprise back-tax letter from a state you've never set foot in. Companies like Anthropic, Notion, and Vanta already trust Anrok to stay ahead of rules that move faster than any spreadsheet can. Talk to a sales tax expert for a personalized exposure estimate at https://www.anrok.com/rtnRightRev is an automated revenue recognition platform that lets your product team ship new pricing without asking finance for permission, and your sales team close deals without creating downstream chaos. Check out their free tool at calculator.rightrev.com It scores your rev rec process, shows what's exposing you to risk, and tells you exactly where to focus before it bites you in the rear end. Check it out at https://calculator.rightrev.com—LINKS: Mostly Talent: https://mostlymetrics.typeform.com/to/cLTxtAsNGuest: https://www.linkedin.com/in/rahulrekhi/Company: https://www.rogo.ai/CJ: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:A CFO Explains the Stock Exchangeshttps://youtu.be/pooOE6ZNGR4A CFO Explains Marketplaceshttps://youtu.be/LpbH9GpBrSY—TIMESTAMPS:0:00 Preview and Intro2:44 Why finance was first to verticalize AI6:28 What the president title means at Rogo9:55 Sponsors — Pulley | Rillet | Maximor13:02 The problem Rogo is solving16:16 Token maxing is not transformation17:43 Why ROI is so hard to measure19:39 Sponsors — Brex | Anrok | RightRev22:37 ROI is business-unit specific24:03 Budgeting tokens like a benefits load25:00 AI incentives aren't aligned to efficiency26:26 The model broker function32:03 Not all token spend is equal37:14 Who owns AI efficiency?40:59 The forward deployed banker43:00 Domain expertise: the Interstellar analogy49:21 Lightning round49:28 Screwed up: DCF error in a live deal51:13 Will new grads have the spidey sense?53:03 Meeting Pope Francis55:04 Fact-checking jobs numbers at the White House57:39 Advice to younger self59:21 Credits

Summer is the perfect time to pause, reset, and make sure your money is still working for you. In this episode of Dollars & Sense, Zach Keister and Kristin Kalley walk through practical midyear money moves that can help you review your financial goals, get organized, and protect your household from costly mistakes. First, they cover how to run a simple midyear money reset by reviewing what came in, what went out, what you owe, and what you have saved. Then, they discuss why credit card debt can quietly build during the summer, how to create a realistic payoff plan, and how small spending “speed bumps” can help reduce impulse purchases. The conversation also covers financial loose ends that are easy to put off but important to review, including beneficiary designations, old retirement accounts, estate planning documents, and account consolidation. Finally, Zach and Kristin shift into cybercrime awareness, sharing key takeaways from the FBI internet crime report, including how AI is making scams more convincing, why younger people are increasingly being targeted, how government impersonation scams are evolving, and why crypto fraud is driving major losses. If you are looking for practical personal finance tips, ways to pay down debt, or reminders to protect your family from financial scams, this episode is a great place to start. In this episode: midyear financial reset, credit card payoff strategies, budgeting tips, retirement account cleanup, beneficiary reviews, estate planning basics, cybercrime prevention, AI scams, government impersonation scams, and cryptocurrency fraud awareness.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm sitting in my trackies with a bump that's getting pretty big, and I wanted to give you the unpolished version of how I'm preparing for maternity leave. Because every mat leave I've taken has looked completely different, and this one's got more moving parts than the last two combined. A team on retainer. A course. A coaching program. A design studio. And a funnel I switched from live to evergreen a month ago that, if I'm honest with you, hasn't made a sale yet. I'm walking you through what's actually happening behind the scenes. How I'm paying my team while I take two months off. Why I've pre-recorded content through to October. What I'm handing over to my team. And the bit nobody really talks about, which is what happens when the passive income you built your whole business around... isn't being very passive right now. If you want to look at the exact funnel I've built, watch my Free Canva Masterclass: Design Tools to $100k

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailDo you have points sitting in an account right now that you have no idea what to do with? You signed up for the card, you spent the money, and somehow it still feels like not much of a value for you? Tiffany Funk is here to fix that.Tiffany Funk is the co-founder of Point Me, a platform built to make travel loyalty programs actually accessible to real people. She is a recognized expert in points, miles, and the financial systems that connect airlines, credit cards, and consumers and she has spent her career cutting through the noise so women can make smarter choices with the money they are already spending.WHAT WE COVER06:30 Why there are so few women in the miles and points space11:30 The mutual fund strategy for picking your everyday card16:00 The truth about first class upgrades and lounge access22:00 How many credit cards do you actually need?26:00 Business credit cards for women-owned businesses30:30 The one simple shift that doubles or triples your pointsTiffany left us with something worth sitting with: financial freedom is about having good choices available. This episode is your starting point. And if this topic is important to you, join us for next week's Money Talks; “The Solo Traveler's Money Guide: How to Budget for Adventure as a Woman”. 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 Tiffany:LinkedInWebsite InstagramWant 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!...

Chapter 1. If you've tried budgeting apps, spreadsheets, and rules and still ended up unsure, this is the episode that explains why, and why it was never a flaw in you. Kelsa Dickey reads Chapter 1 of SpendFirst, including the story of Jessie and Joe, a capable couple doing everything “right” and still drowning. The problem was never discipline. It was that traditional budgeting never helped them see how their money actually moves. Press play, then subscribe so you don't miss Chapter 2 next Thursday. Start here: https://spendfirst.com/start.

There's a new budgeting trend that's supposedly helping Gen Z learn to save money. It's called "loud budgeting" and involves having open conversations about money and finances. Certified Financial Planner at DMBA Shane Stewart joins Greg and Holly for a lively discussion on this trend and on other ways parents -- both young and old -- can teach their children financial responsibility.

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, sometimes the budget just does not math the way we want it to.In this episode, Shana and Vanessa talk through what happens when personal and business budgets are connected, income is fluctuating, and the month is coming up short. Instead of making tiny stressful transfers from savings all month long, they walk through why it can be more helpful to make one intentional transfer, close the budget gap, and move forward with clarity.They also dig into business budgets, especially for owners with seasonal or inconsistent income. We talk about saving during higher-income months, funding savings buckets, preparing for upcoming expenses, and yes, even building in profit and bonuses.Because budgeting is not just about bills, debt, and taxes. It is also about peace, breathing room, and giving yourself permission to build something that actually works for real life.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

In this episode, host Josh interviews Ritu Java, CEO of PPC Ninja, about effective Amazon PPC management. Ritu shares insights on healthy PPC-to-organic sales ratios, TACoS benchmarks, and the importance of budgeting based on net margin. She cautions about the complexities of sponsored display ads and stresses the need for regular account audits. Ritu also recommends The Goal by Eli Goldratt, highlights ChatGPT as a productivity tool, and suggests following Kevin King for e-commerce insights. The episode concludes with Ritu offering a free PPC audit and sharing her contact details.Chapters:Introduction & Guest Background (00:00:00)Josh introduces Ritu Java, her background, and expertise in Amazon PPC and e-commerce.Healthy PPC to Organic Sales Ratios (00:00:58)Discussion on what constitutes a healthy PPC to organic sales ratio, with examples from different product categories.TACoS Benchmarks & Profitability (00:03:04)Explains TACoS (Total Advertising Cost of Sales), how it changes over time, and guidelines for setting targets.Calculating Net Margin and TACoS (00:06:07)Breakdown of how to calculate net margin, relevant costs, and what a reasonable TACoS percentage looks like.Budgeting and PPC Management Takeaways (00:08:08)Three actionable takeaways: budgeting for PPC, being cautious with sponsored display ads, and performing regular account audits.Book Recommendation: The Goal (00:11:26)Ritu recommends "The Goal" by Eliyahu Goldratt and explains its impact on understanding business bottlenecks.Productivity Tool Recommendation: ChatGPT (00:13:14)Ritu shares ChatGPT as her favorite productivity tool and describes how she uses it, especially for Google Sheets formulas.E-commerce Influencer Recommendation (00:15:09)Ritu recommends following Kevin King for his innovative ideas and influence in the e-commerce space.How to Connect with Ritu Java (00:16:23)Ritu shares how listeners can contact her for audits, masterminds, and follow her content online.Episode Wrap-up (00:16:48)Josh thanks Ritu for her time and insights, closing the episode.Links and Mentions:Tools and Software  "PPC Ninja": "00:00:50"  "ChatGPT": "00:13:14"  "Google Sheets": "00:14:05"  Books  "The Goal by Eli Goldratt": "00:11:31"  People  "Kevin King": "00:15:09"  Contact Information  "Email (ritu@ppcninja.com)": "00:16:23"  "LinkedIn (Ritu Java)": "00:16:23"Transcript:Josh 00:00:00  So today I'm super excited to introduce you all to Ritu Java. Ritu has started her e-commerce journey as an Etsy seller over ten years ago. She is the CEO of PPC Ninja, a software tools and services provider managing Amazon ads for six, seven, and eight figure brands. As someone who is really passionate about data science and advertising, Ritu has dozens of PPC mastermind programs, workshops, and webinar and has even trained hundreds of Amazon sellers on PPC. She has shared her knowledge on over 100 podcasts, webinars, blogs and conferences including the Prosper Show, Global Sources Summit, Powwow, the Billion Dollar Seller Summit, and many more. So with that introduction, Ritu, welcome to the show.Ritu 00:00:50  Josh, thank you so much for having me. I am super excited to be here and to talk all about PPC today.Josh 00:00:58  What is what would you recommend from the hundreds of accounts that you viewed. The sellers that are using your platform and software. What do you see right now is a healthy balance of PPC sales to organic sales for an established brand.Ritu 00:01:14  Yeah, and I think it's very dependent on the category. Some categories are so saturated that 60, 40, 60 PPC and 40% organic is becoming the norm. For example, just to give you an example from the pet space just so crowded, like especially if you're, you know, selling any kind of like, dog toys or, you know, pet products and things like that. there's so much competition there that, you know, 50 to 60% coming from ads is pretty normal. Like, there's no chance you can compete with mainland Chinese brands with just organic. They've already got 20,000 reviews and more like, how can you, you know, how can you even compete? Begin to compete with that, right? So the ads become your only way, your only chance of being seen. And that leads to the 6040 ratio. But in some of the other categories where it's a little bit more, you know, difficult for anyone to imitate you or to provide services that, you know, require human, you know, intensive work like support or whatever, like after the fact, it's probably still okay to get like 40% from, ads and 60% from organic.Ritu 00:02:37  So let's say research heavy products or products that require or have a good margin. Right? Have a good margin, that are not so easy to imitate those categories. You're still seeing quite a healthy ratio. So it totally depends on the category. I would recommend just making a note of that number today and just watching it over time. Because just baseline it and then you'll see whether it's going up or down.Josh 00:03:04  Yeah that's good input. And on that note, while we're talking about metrics, what do you see as a healthy tacos percentage for an established brand. And I'm sure it changes based on what category you're in. For sure, if you're supplements, you're playing a much longer term game and you're playing on subscriptions and repeat customers. But let's say for an average brand, right, that has, you know, one time customers more often than not. What do you think is kind of the ballpark tacos number to ensure that they're they're healthy and competitive across the board?Ritu 00:03:39  Yeah. So that's such a great question.Ritu 00:03:41  Really $1 million question. So okay, here's what I think of tacos. Now your tacos is going to be different at different stages of your journey. So you know when you are starting off your tacos, needs to be competitive with the market. You can't be looking at tacos as a profitability metrics. It's more of like, what's the maximum I can afford to spend in order to get this business off the ground? But then as time progresses and you start to see, you know, revenue coming in, flywheels working, everything is going fine. Then you start to tweak the, you know, the tacos target a little bit to kind of make it more profitable. so I think, it's a kind of, it's a calculation that I, look for at three points. So I look at spend. I look at revenue and I look at profits. Right. So initially, when you're just starting off, you know, even the smallest amount of spend will result in a drop in profits. You know, you're starting off.Ritu 00:04:54  You're spending money on ads. All of that is eating into your profits. But at a certain point the the spend as you increase your ad spend, it's actually going to generate revenue for you. Right. So what's the sweet spot when those two lines kind of cross over? that's the target tacos that is going to shift with, with, you know, the maturity of your of your account. So, we do say that the guideline is we don't want to spend more than 50% of net margin for your for your advertising. So I guess if you can keep that just general rule of thumb in mind, you should be fine. so no more than 50% of net margin. eventually you want...

In this episode, Cole Phillips and guest Bryan Peters discuss practical and biblical principles for managing money, getting out of debt, and building a healthy financial future. They explore the impact of financial habits on relationships, the importance of a biblical perspective, and actionable steps for financial freedom.Keywordsfinances, debt-free, biblical money management, budgeting, financial peace, personal finance, wealth building, Christian finance, money tips, financial freedomKey topicsThe impact of childhood financial insecurityThe importance of a results-oriented mindsetThe snowball method for debt repaymentThe role of faith and biblical principles in money managementThe significance of a clear financial visionThe dangers of living paycheck to paycheck and instant gratification cultureThe importance of a budget and intentional spendingThe biblical perspective on giving and generosityPractical steps to start your debt-free journeyThe historical comparison of economic conditions and their lessonsAction itemsCreate a monthly budget and track all expensesStart an emergency fund with at least $1,000Use the snowball method to pay off debts from smallest to largestPractice giving cheerfully and generouslySeek biblical guidance on money managementSound bites"Stop the bleeding before you start healing.""Your decisions are a trade-off; choose wisely.""Give till it feels good, not till it hurts."Chapters00:00 The Importance of Money Conversations02:54 Personal Financial Backgrounds and Influences05:43 The Impact of Keeping Up with the Joneses09:05 Navigating Debt and Financial Education11:50 The Journey to Becoming Debt-Free15:11 Young Adults and Financial Mindsets17:58 Historical Context of Financial Challenges20:50 Comparing Financial Realities Across Decades27:35 Understanding Debt and Its Impact28:56 First Steps to Getting Out of Debt32:01 The Importance of Budgeting33:54 Navigating Credit Card Usage35:50 Identifying and Cutting Unnecessary Expenses39:37 Marriage and Financial Dynamics44:40 A Christian Perspective on Money52:45 Finding Hope in Financial StrugglesResourcesFinancial Peace University - https://www.ramseysolutions.com/ramseyplus/financial-peace-universityFormula 1/10 Book - https://www.amazon.com/Formula-10-Winning-Financial-Freedom-ebook/dp/B0D4WQQDQF/ref=sr_1_1?crid=1L1A6FEWAZFUW&dib=eyJ2IjoiMSJ9.dTkiRcW_La4qbWcp3LXTb3gYWKvLGQO1UopEqlaL4iWCLL-L5xad0EbkWRYxWhZKdvwnnVzyQM5NW0S2YHrGFFKyEzXIHzLXKCVBFFa0g-xjvv_okXSMgoBYG3Izq4efP1BTNRNJhb89NjOaITPkKCtvMPYpPAQy5dl4lZLIJpFL4CvtE129AJiaREKbTaAXkEOqWs-i4Gbq-5eGRb0X9ZM_p1mhbYXqLTsMOnVlP-M.jZKSj0e7PnuplQFfpuSo31yDnFm4IdvUq9ogudyYn0Q&dib_tag=se&keywords=formula+1%2F10+book&qid=1783047815&sprefix=formula+1%2F10+book%2Caps%2C200&sr=8-1

Budgeting with inconsistent income can feel stressful, especially when overtime, bonuses, side income, or extra shifts change from month to month. In this episode of The Financial Mirror, we break down how to budget variable income without relying on money that has not arrived yet.If you work overtime, earn commission, pick up side jobs, or have unpredictable monthly pay, this video will help you build a base budget, separate reliable income from extra income, and create a clear plan for every extra dollar once it is actually received.You will learn how to build your monthly budget around dependable take-home pay, why expected overtime should not be treated as available money, how to use a simple 50/30/20 framework for extra income, and how to apply the month-received rule inside a real budget.The goal is not to make budgeting complicated. The goal is to create structure so your extra income helps you make progress instead of quietly disappearing.This episode is for beginners, overtime workers, side hustlers, hourly employees, commission earners, and anyone who wants a more stable budgeting system.**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/#Budgeting #PersonalFinance #VariableIncome #OvertimePay #SideIncome #BudgetingForBeginners #MoneyManagement #FinancialEducation #DebtPayoff #EmergencyFund #BudgetTips #FinancialClarity #TheFinancialMirror

The countdown to The National Sports Collectors Convention is officially on!In Episode 201 of Talking Shop, Josh and Michael share everything they've learned from attending the biggest sports card show in the world—from budgeting and buying strategy to grading decisions and navigating the massive show floor.We also discuss whether PSA's grading slowdown could impact the raw card market, what products are hitting hobby shop shelves this week, and which cards we'd be chasing if we had a $1,000 budget heading into Chicago.Whether it's your first National or your fifth, this episode is packed with practical advice and collector stories to help you make the most of hobby week.In this episode:

No Film School's Jo Light records live from Aspen Shorts Fest with Julia Aks and Steve Pinder, the co-writers and co-directors of Jane Austen's Period Drama. The conversation covers how the short grew from a period-drama pun into an Oscar-nominated comedy, what it took to produce an ambitious period piece on a limited budget, and how the filmmakers navigated festivals, awards qualification, campaign strategy, and the career momentum that followed. In this episode, No Film School's GG Hawkins, Jo Light, and guests Julia Aks and Steve Pinder discuss... How Julia Aks and Steve Pinder first met through a USC student film and developed their creative partnership Turning a comedic pun into a short film with emotional depth and a clear central event Why successful short films often focus on a small moment instead of compressing a feature-sized story Budgeting the short, finding the right producer, and learning where production money shows up on screen Calling in community favors for period costumes, crew, and production support Working with Snow White the chicken and planning animal scenes safely Balancing Julia's roles as actor, co-writer, co-director, and editor Building a festival strategy after early rejections and learning the importance of premiere status Why Aspen Shorts Fest became a key Oscar-qualifying opportunity for the film How live festival screenings shaped the filmmakers' understanding of the comedy Handling polarizing reviews and why strong reactions can signal that a film took risks What happens after winning a qualifying award, from the long list to the short list to nomination The cost, strategy, and labor behind an Oscar campaign for a short film How Emma Thompson became the film's “Executive Menstrual Advisor” Why live screenings became central to their campaign strategy The career impact of receiving an Oscar nomination, even without winning Developing the feature version of Jane Austen's Period Drama and future musical comedy ideas Memorable Quotes: “When short films are very successful, I think they take a small moment or they take a small piece of humanity or a small observation about life, and then really maximize and explore that small thing.” “We never wanted to make a proof of concept that didn't stand on its own. We wanted to make a short film that was a short film.” “Everything makes sense, and also nothing makes sense.” “Be bold, be brave, make a zero or a 10. Don't make a five.” Guests: Julia Aks Steve Pinder Resources: Jane Austen's Period Drama Jane Austen's Period Drama on IMDb Aspen Shortsfest Find No Film School everywhere: On the Web: No Film School Facebook: No Film School on Facebook Twitter: No Film School on Twitter YouTube: No Film School on YouTube Instagram: No Film School on Instagram

Is July actually a good time to visit Hawaii, or will the crowds and prices ruin your trip?If you're weighing a July trip, the weather works in your favor, but timing your booking and picking the right island makes all the difference.

On this solo episode of the Profit First for Real Estate Investors podcast, the host tackles a counterintuitive trap that catches growing real estate investors and entrepreneurs: scaling yourself right out of business. Drawing on Keith Cunningham's line from The Road Less Stupid that scaling cancer only grows the tumor, he lays out why pouring more marketing money into a business you don't fully understand is like putting fuel in a plane that's already going down.The episode is a practical walkthrough of how to scale profitably using the Profit First cash flow system. You'll learn how to set up and name your bank accounts, how to run your business by percentages instead of lump sums, and how target allocation percentages shift as you grow from startup to a quarter million and beyond. If you've ever felt like there's somehow less cash the bigger you get, this one gives you the roadmap to grow without going broke.Timeline Highlights[0:26] Why it's actually possible to scale yourself out of business, and how to spot if it's happening to you[0:46] The Road Less Stupid by Keith Cunningham and the "scale cancer, the tumor grows" principle[1:03] How Keith Cunningham connects to the Rich Dad character in Robert Kiyosaki's famous book[1:46] The spray and pray marketing mistake that keeps investors from ever paying themselves[2:24] The real game every entrepreneur is playing is the game of money, not their industry's game[3:07] What winning actually looks like: a business that serves you on the way up, not one that drains you[3:27] Step one to scaling profitably: set up a Profit First system so you know where every dollar goes[4:13] Splitting income by percentages across profit, owner's comp, owner's tax, and operating expense accounts[5:20] Target allocation percentages explained, and the goal percentages for a healthy business[5:41] The startup percentages from zero to $250K and why so much flows toward the owner early on[6:54] How the percentages shift from $250K to $500K to reinvest in opex without losing profit[7:50] Why "reinvesting every dollar" is code for scaling yourself out of business[8:39] Where to find the specific target percentages for buying, holding, and selling property[9:58] Scale with intentionality, and how to grab the book or cheat sheet to build your own roadmapKey TakeawaysYou can absolutely scale yourself out of business. Adding more fuel, usually marketing spend, to a business whose numbers aren't healthy doesn't fix the problem, it just makes you crash faster.Every entrepreneur is playing the game of money, not the game of their industry. Whether you're in real estate, run a salon, or own a brick and mortar shop, you have to know the money game to actually win it.Set up a system so you know where every dollar is going. Profit First works like the envelope method for businesses: separate, named bank accounts for profit, owner's comp, owner's tax, and operating expenses.Run your business by percentages, not lump sums. When income comes in, split it out of an income account into your other accounts by percentage so your money is intentional and spread out from the start.Target allocation percentages are your goal numbers for a healthy business. Early on, a bigger share flows to the owner because you carry less payroll and overhead, and those percentages are designed to keep you profitable at every stage.Scaling profitably just means your percentages change as you grow. Moving from zero to $250K to $500K, you shift some of owner's pay toward opex so you can reinvest in the business while still protecting profit, pay, and taxes.Protect your profitability or you become an accidental nonprofit. Reinvesting every last dollar without paying yourself or building a profit buffer is a recipe for crashing the plane.Links & ResourcesProfit First for Real Estate Investing by David Richter (book with target allocation percentages for buying, holding, and selling): https://profitrei.com Profit First cheat sheet and free book offer: https://simplecfo.com/gift ClosingIf this episode gave you clarity or a new way to think about growth, remember the core message: stop scaling in a way that hurts you and start scaling with intention, protecting your profit at every stage instead of pouring every dollar back into the fire. Be sure to like, subscribe, and comment, and if you're ready to apply this with real guidance and accountability, visit profitrei.com to schedule a free discovery call and build your path to financial clarity and freedom.

On today's poddy, who will carry this burden? Follow The Big Show on Instagram Subscribe to the podcast now on iHeartRadio, YouTube, or wherever you get your podcasts!Featuring Jason Hoyte, Mike Minogue, and Keyzie, "The Big Show" drive you home weekdays from 4pm on Radio Hauraki.Providing a hilarious escape from reality for those ‘backbone’ New Zealanders with plenty of laughs and out-the-gate yarns.Download the full podcast here:iHeartRadio Apple Spotify Follow The Big Show on InstagramSee omnystudio.com/listener for privacy information.

Episode 649: Many budgets fail because they're too complicated. Explore a straightforward strategy that can help you manage your money and stay on track. Then, discover practical steps that can help you provide financial support to family while protecting both your finances and your relationships.

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

Can Tom beat the average American on a personal finance quiz?Don puts Tom in the hot seat with eight questions drawn from a financial literacy quiz developed by researchers at Stanford University and TIAA. The topics range from earning, budgeting, inflation, investing, debt, insurance, and risk to evaluating investment advice. Along the way, there's plenty of good-natured ribbing, a debate over compounding, and a reminder that even financial professionals can stumble on carefully worded questions.Later, the guys answer listener questions about whether the small-cap value premium still exists despite the rise of private equity, and whether exotic portfolios like the “Golden Butterfly” really deserve their impressive back-tested reputations.Plus, Tom gives an enthusiastic endorsement of Don's Civil War novel, The Line Uncrossed.00:18 – Tom faces an eight-question financial literacy quiz03:49 – Inflation versus savings: the trickiest question05:53 – Why diversification beats owning a single stock07:11 – The power—and danger—of compound interest08:50 – Insurance coverage young adults actually need09:52 – Expected value and lottery math11:10 – Appropriate investments for different ages12:40 – Why compounding may be the most important concept in investing13:39 – Which asset classes have historically produced the highest returns?16:03 – Does the small-cap value premium still exist?23:01 – Should investors trust the Golden Butterfly portfolio?26:45 – Tom's review of The Line Uncrossed29:17 – Free meetings with Appella advisors31:11 – Blue shirts, blue eyes, and wrapping upQuestions? Comments? Click!

You know you're supposed to pay off the high-interest debt first. You know you should stop putting things on the credit card. You know you should spend less than you earn.So why are you still stuck?In this episode, I'm getting honest about the real reason so many women stay in debt even when they have all the information they need. And I promise you, the answer has nothing to do with money.We cover:Why the gap between knowing and doing is where debt actually livesThe cycle of financial avoidance that keeps so many moms spinning in placeWhy emotional spending is a coping mechanism, not a character flawThe Triangle of Change framework and why real financial transformation has to start at the topWhat it actually means to become the woman who gets out of debt before the debt is even paid offWhy behavior change alone will never stick without addressing what's underneath itIf you've ever watched a video, made a plan, felt motivated, and then found yourself right back where you started two weeks later, this episode is going to explain exactly why that keeps happening.You don't need another strategy. You need to understand what's actually running the show.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3612: Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to make debt overpayments can help reduce debt faster and lower overall interest costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/simple-ways-to-improve-your-debt-management-skills/ Quotes to ponder: "Budgeting is about knowing how your finances work and controlling what you do with your money, in other words, not letting your money control you!" "Your disposable income is essentially the amount you have left on a monthly basis to pay towards your non-priority debts and, if you have any spare after doing this, to save and to spend on non-essential goods/services." "Overpaying your debts can be an excellent way to improve your debt management skills." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

How much should you spend if you want to retire comfortably? In this episode of the Trust the Plan Podcast, Preston Gee, CFP® and Jim Pilat, CFP® answer the biggest retirement planning and budgeting questions they hear from clients. They discuss smart spending habits, budgeting strategies, renting vs. buying a home, and how today's financial decisions can impact your future retirement. Whether you're just starting your financial journey or getting closer to retirement, understanding how to spend wisely is just as important as knowing how to save and invest. In this episode, you'll discover: ✔️ How much you can afford to spend while staying on track for retirement ✔️ Renting vs. buying a home: Which is better for your financial plan? ✔️ Budgeting tips that support long-term financial success ✔️ Common spending mistakes that can delay retirement ✔️ How to balance enjoying life today while planning for tomorrow ✔️ Questions financial advisors hear most often about spending and retirement If you're searching for advice on retirement planning, budgeting, personal finance, investing, financial freedom, retirement savings, wealth building, or money management, this episode is for you

In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning covers a packed lineup of financial topics—from market volatility and index changes to summer travel planning and a potentially significant tax refund opportunity.First, Joel discusses the recent uptick in market volatility, including how AI-related spending, semiconductor stocks, and market concentration are affecting investor conversations. He also explains the upcoming Russell 1000 Growth and Russell 1000 Value reconstitution, why major companies like Apple, Microsoft, Amazon, and Alphabet may shift within these indexes, and what that could mean for investors who own index funds or ETFs.Next, with summer vacation season in full swing, Joel shares practical ways to vacation smarter. From building travel into your monthly budget to choosing less expensive travel dates, considering less touristy destinations, planning for the full cost of the trip, and using credit card rewards carefully, this segment offers timely tips for enjoying a vacation without creating financial stress afterward.Finally, Joel breaks down a recent court decision, Kwong v. United States, that may create a potential refund opportunity for taxpayers who paid certain IRS penalties or interest related to tax years 2019 through 2022. He explains why the July 10 deadline matters, what a protective claim is, and why taxpayers may need to act to preserve their rights while the issue continues through the appeals process.Topics covered in this episode:Market volatility, AI spending, semiconductor stocks, and the Russell index reconstitutionSmart summer vacation planning and ways to reduce travel costsThe Kwong v. United States tax case and potential refund claims for IRS penalties and interest

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3612: Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to make debt overpayments can help reduce debt faster and lower overall interest costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/simple-ways-to-improve-your-debt-management-skills/ Quotes to ponder: "Budgeting is about knowing how your finances work and controlling what you do with your money, in other words, not letting your money control you!" "Your disposable income is essentially the amount you have left on a monthly basis to pay towards your non-priority debts and, if you have any spare after doing this, to save and to spend on non-essential goods/services." "Overpaying your debts can be an excellent way to improve your debt management skills." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, the Pennsylvania Association of Blind Students leads a Convention 101 conversation for anyone preparing to attend the NFB National Convention in Austin. The questions come from students and first-time attendees, while the answers come from leaders who have learned how to navigate the week through experience. Lynn Heitz explains why National Convention is more than a conference. It is where blind people from across the country gather, where resolutions are debated, where the organization's direction is shaped, and where first-timers can see blind people living full, successful lives. David Goldstein shares practical travel and packing tips, including the importance of layers inside cold hotel meeting rooms, comfortable shoes, accessible airport apps, Aira, Be My Eyes, Seeing AI, Apple AirTags, and the convention app. He also reminds attendees that they will not be able to attend everything, so choosing sessions intentionally matters. Harriet Danner talks about the size and pace of National Convention, the value of reading the agenda before arriving, the importance of the presidential address, and the usefulness of finding a convention buddy. She also explains how special-interest groups and divisions can help students and professionals build relationships in their chosen fields.   Key Topics Covered What National Convention is and why it matters Why Rookie Roundup is a must for first-time attendees How resolutions, general sessions, and the Pennsylvania caucus work What to expect from banquet exchange and the national banquet What to pack for Austin and cold hotel meeting rooms How to dress for meetings, exhibits, and banquet Airport travel tips for blind and low-vision travelers Using Aira, Be My Eyes, Seeing AI, Meta Ray-Bans, and Apple AirTags How to use the NFB Convention app and online agenda Planning your schedule without getting overwhelmed Finding a convention buddy or mentor Budgeting for food and daily expenses Using convention for career development and networking How parents can support young blind travelers without holding them back   Suggested Resources for Show Notes National Federation of the Blind Convention information: https://www.nfb.org/convention  Transportation Security Administration traveler information: https://www.tsa.gov  TSA Cares: https://www.tsa.gov/travel/tsa-cares  Austin-Bergstrom International Airport accessibility services: https://www.flyaustin.com  Aira visual interpreting: https://www.aira.io  JW Marriott Austin: https://www.marriott.com    Read more at https://www.whitecanesconnect.com/155/             Donate to the NFB of PA Like what you hear on White Canes Connect? Please support us and donate to the National Federation of the Blind of Pennsylvania, visit http://www.supportpablind.org.  Keep Up-to-date with the Affiliate Learn about chapter and division meetings and fundraisers on Federation Focus.  It's available on the affiliate's YouTube Channel at https://www.youtube.com/@nfbofpa. New episodes drop every Monday. Contact White Canes Connect Email us at WhiteCanesConnect@gmail.com or leave us a voicemail at (267) 338-4495.   Follow White Canes Connect Find out why White Canes Connect is currently ranked as one of the 100 Best Visually Impaired Podcast. Find the show on: Apple Podcasts: https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify: https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI  YouTube: https://www.youtube.com/@pablindpodcast  Visit our website at https://www.whitecanesconnect.com/.

Defense Budgeting and National Security Policy. Guest: Peter Huessy. Huessy explores the fiscal and policy challenges associated with national defense. He analyzes how legislative budget decisions affect military readiness and the development of next-generation weapons systems, arguing for a strategic and long-term approach to addressing the diverse security threats posed by emerging global and regional adversaries. 14C.A. COEY AND BRIDE, LA

In this episode of Money Matters, Chris Hensley welcomes Jabez Roberts, host of The Working Budget and The Boardroom Podcast. Jabez shares the story behind launching The Working Budget, a new podcast focused on practical financial education, money management, and helping everyday people understand how money moves through their personal economy. Chris and Jabez discuss the connection between Kaizen and compound interest, showing how small, consistent improvements can create meaningful long-term growth. They also explore why budgeting is often misunderstood, why money decisions are emotional, and how a working budget can help people prepare for emergencies, save for the future, and spend with more intention. Jabez also shares the books that shaped his view of money, including The Richest Man in Babylon, Rich Dad Poor Dad, and One Up On Wall Street. The conversation touches on entrepreneurship, stewardship, financial education, and Jabez's mission to build a media-first education platform for Caribbean nationals and beyond. Whether you are new to budgeting or looking to improve your financial habits, this episode offers a practical reminder: budgeting is not about restriction. It is about creating a roadmap for your money and your future self. In This Episode Chris and Jabez discuss: The launch of The Working Budget Why budgeting is a roadmap to financial success How Kaizen connects with compound interest Why small daily improvements matter The difference between saving and investing Why money is emotional How impulse spending affects long-term goals Emergency funds and financial resilience The importance of practical financial education Books that shaped Jabez's approach to money The future of Zeilhan, The Boardroom Podcast, and The Working Budget Guest Jabez Roberts Host of The Working Budget and The Boardroom Podcast Website: media.zeilhan.com

My financial situation this year is giving... erratic. I share every detail in today's ep and why I'm not calling 911 yet.After YEARS of steady monthly recurring revenue that paid all my basic expenses and then some, I changed my business model in late 2025, which resulted in seeing income numbers I haven't seen since year 1 of starting my business. I'm talking "how am I going to afford all this month's expenses?" kind of numbers.At first, I was chill, leaning on my savings and systems. Then, I freaked out. HOW TF DID THIS HAPPEN?! I thought I mastered budgeting and forecasting??I share the full story, what I did to turn the ship around, and share practical advice on what to do when you're in a similar sitch.Episodes mentioned: How I Paid off $8K of Debt in One MonthHow I Planned My Sabbatical (So You Can Too) - Saving, Taking 2 Months Off and Why It's Freaking Me Out☎️ Have more questions? Leave a voicemail on the hotline and I'll answer in the next ep!Connect with Chelsea:

Christine Romans stops by to highlight the best and most creative ways to find extra cash. Also, Dylan and Al take a road trip down to the Jersey Shore and visit historic Atlantic City. Plus, actor Jesse Eisenberg stops by to talk about his latest role in the new movie “Minions and Monsters”. And, ahead of July 4th, NBC News Entertainment Contributor Chris Witherspoon and VP of Global PR at Virtuoso Misty Belles list out beloved films that capture the American spirit, as well as the iconic destinations that brought them to life.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(4:00) Rivalries never die (7:00) Can college ever become "normal" again (12:00) Myles Bailey should give serious consideration to staying at FSU (17:00) Off topic (22:00) Will we ever hear a plan articulated (29:00) Tony White as interim? (36:00) What if FSU strikes out on x, y and z (43:00) Data (48:00) Norvell's place in the ACC and the place of money (57:00) Sit out football and spend big on the other sports? Music: Weezer - We Might As Well Be Strangers Follow CumminsLifestyle on IG   Get up to $200 off Square hardware when you sign up at square.com/go/square.com/go/warchant! #squarepod Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod https://pscrb.fm/rss/p/   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(4:00) Rivalries never die (7:00) Can college ever become "normal" again (12:00) Myles Bailey should give serious consideration to staying at FSU (17:00) Off topic (22:00) Will we ever hear a plan articulated (29:00) Tony White as interim? (36:00) What if FSU strikes out on x, y and z (43:00) Data (48:00) Norvell's place in the ACC and the place of money (57:00) Sit out football and spend big on the other sports? Music: Weezer - We Might As Well Be Strangers Follow CumminsLifestyle on IG   Get up to $200 off Square hardware when you sign up at square.com/go/square.com/go/warchant! #squarepod Upgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod https://pscrb.fm/rss/p/   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.