Podcasts about budgeting

If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Randy Adams on Learn to Buy and Sell Cars — God’s Way, where faith meets the car business. With over 60 years of experience, Randy shares the good, the bad, and the ugly truths about buying, selling, and financing vehicles — all through a biblical lens. Learn how to protect your money, your budget, and your peace of mind while navigating a world that’s often out to take advantage of you. Honest talk, real stories, and faith-driven wisdom for life on and off the road.See omnystudio.com/listener for privacy information.

What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances?When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.Investing vs. SpeculatingMany people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It's focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you're buying a piece of a company. You become a co-owner.That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits.Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God's design for flourishing.The Responsibility of OwnershipOwnership changes everything. It confers ethical responsibility.If you owned a neighborhood store, you'd care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does.That's why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn't just about earning; it's about embodying our faith in the marketplace.Why Passive Investing Deserves a Closer LookIn recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning?As Christians, we can't do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can't blindly invest in every company just because it's part of a market index.Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God.To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They're designed for believers who want to participate in the market without compromising biblical conviction.The Neighbor Map: Loving People Through InvestingIn his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business.God's command to “love your neighbor as yourself” (Leviticus 19) isn't abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve:Customers – Are the company's products truly good for those who use them?Employees – Are they treated with dignity, fairness, and care?Suppliers – Are business relationships ethical and respectful?Communities – Does the company create meaningful jobs and contribute positively to local life?The Environment – Is creation being stewarded well? Caring for creation is one of the most direct ways to love the poor, because it's the poor who suffer most from pollution and neglect.Society – Is the company contributing to the flourishing of the broader culture?Faithful investing isn't only about avoiding harm—it's also about embracing good. When we invest in companies that love their neighbors well, we participate in God's ongoing work of restoration.As investors, we're not distant spectators. We're partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and compassion.Their goal isn't confrontation—it's collaboration. Whether it's addressing supply chain ethics, employee safety, or corporate philanthropy, we approach these conversations as co-owners who want to see good companies become even better.Clarity for Every Christian InvestorMany believers are unaware of what their money supports. That's why the team at Eventide created GoodInvestor.com—a free tool that allows you to screen your portfolio and see exactly what you're investing in. You can also connect with advisors who understand faith-based investing and can help you align your portfolio with your convictions.We hope that Christians everywhere would invest with joy, clarity, and confidence—knowing that their capital is serving God's purposes in the world. When we invest, we're not just moving money—we're shaping the world. Every dollar we deploy carries moral and spiritual weight.Our prayer is that more believers would see investing as a form of worship—a way to love God and neighbor through the stewardship of capital. Together, we can build a world that rejoices, where profits are good, people are valued, and creation is honored.On Today's Program, Rob Answers Listener Questions:Back in 2010, my parents set up a life estate warranty deed for their home, adding my siblings and me to the deed. My mom passed away eight years ago, and my dad passed in December 2024. We're preparing to sell the house now, but I keep hearing that we need to use a “life expectancy table” to calculate the home's value for capital gains or losses. Can you explain how that works and what steps we'll need to take for the taxes?I've saved up three months' worth of income—about $2,300 in total—and I still owe around $500 on a HELOC and another $500 on a credit card with interest rates of about 7% and 8.9%. My question is: Should I treat my savings separately from my three-month emergency fund? For example, if something unexpected happens—like a car repair—I don't want to touch my emergency fund. Is there a certain percentage or guideline for how much should be in an emergency fund versus regular savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnEventide Asset ManagementGoodInvestor.com (Investment Screening Tool and Advisor Search)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Two industry experts break down the complete oil and gas M&A due diligence process from both buyer and broker perspectives. Kyle Dubiel from Eagle Mountain and Bryce Winters from Dudley Land Company walk through everything from pre-bid VDR evaluation to post-close integration, sharing real-world insights on team mobilization, defect identification, and timeline management.What You'll LearnHow to structure and scope due diligence teams for maximum efficiencyThe critical importance of allocated value schedules in PSA negotiationsWhy most defects come from material contracts, not title issuesBest practices for VDR organization and early deal evaluationHow to balance diligence speed with thoroughness under tight deadlinesTime Stamps00:55 - Episode Intro02:23 - The Phases of Due Diligence04:15 - Understanding the Due Diligence Process09:10 - Evaluating Assets and Marketed Deals31:21 - Budgeting and Diligence Timeline31:46 - Allocation of Value in Bidding34:49 - Financing and Bank Allocated Value Schedules36:45 - Organizing Due Diligence Workflow40:58 - Handling Title Defects and Material Contracts42:44 - Defect Thresholds and Deductibles47:10 - Importance of Consents and Preferences49:53 - Due Diligence Workbooks and Team Structure59:44 - Post-Close Organizational Efforts01:03:40 - Final Thoughts and Best PracticesSnippets from the Episode“Due diligence is the Taco Bell of land work. It's great when you go into it, but by the time you're done, you say you'll never do that again."— Brent Broussard"The bulk of our defects are found in consents and contracts. That's where almost everything comes from."— Bryce Winters"You're trying to do something in 30 days that it took a company years to put together."— Brent Broussard"Communication is key. If you can do that with whoever you're working with, you're gonna set yourself up for success."— Kyle Dubiel"The greatest thing about giving your team a heads up is that they think for free—you're not paying 'em on the clock."— Brent BroussardKey TakeawaysEarly Communication Prevents Timeline DisastersMaterial Contracts Drive Most Modern Title DefectsAllocated Value Schedules Determine Team StructureVDR Quality Signals Asset Management CompetencyDefect Thresholds Require Strategic Portfolio ThinkingPost-Close Organization Maximizes Diligence InvestmentClear Objectives Lists Keep Teams FocusedHelp us improve our podcast! Share your thoughts in our quick survey.⁠⁠ResourcesNeed Help With A Project? ⁠⁠⁠⁠⁠⁠⁠⁠Meet With Dudley⁠⁠⁠⁠⁠⁠⁠⁠Need Help with Staffing? Connect with ⁠⁠⁠⁠⁠⁠⁠⁠Dudley Staffing ⁠⁠⁠⁠⁠⁠⁠⁠Streamline Your Title Process with ⁠⁠⁠⁠⁠⁠⁠⁠Dudley Select Title⁠⁠⁠⁠⁠⁠⁠⁠Watch On ⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠Follow Dudley Land Co. On⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠Have Questions? ⁠⁠⁠⁠⁠⁠⁠⁠Email us⁠⁠⁠⁠⁠⁠⁠⁠More From Our GuestsKyle Dubiel - Vice President of BD, Land & Legal at Eagle Mountain Energy PartnersEagle Mountain Energy Partners websiteConnect with Kyle on LinkedInBryce Winters - Land Director - Western US, Dudley Land CompanyConnect with Bryce on LinkedInMore from Our HostsConnect with ⁠⁠⁠⁠⁠⁠⁠⁠Brent⁠⁠⁠⁠⁠⁠⁠⁠ on LinkedInConnect with ⁠⁠⁠⁠⁠⁠⁠⁠Khalil ⁠⁠⁠⁠⁠⁠⁠⁠on LinkedInConnect With UsReady to protect your land projects with integrated legal and title support? Our Dudley Select Title division works seamlessly with experienced oil and gas counsel to keep your deals on track and defensible. Contact us to learn how our complete energy partnership approach includes the legal expertise that matters when stakes are high.

Africa Melane speaks with Ndumi Hadebe, author of Handle Black Tax Like a Pro, about setting boundaries, managing family financial expectations, and protecting your own financial security. They discuss practical strategies to say yes or no with confidence, strengthen relationships, and break the cycle of dependency. 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/@CapeTalk567See omnystudio.com/listener for privacy information.

Dan Carr is the Co-Owner of Visconti's Hospitality Group. The original Visconti's was opened in 1985 in Wenatchee, WA. Dan moved to Wenatchee from the midwest in 1991 and started working in Visconti's in 1993 after meeting the President and Owner, Candy Mecham. Dan and candy then opened a second Visconti's in Leavenworth, WA and since then they have opened 6 concepts across 9 locations in Washington. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Cerboni - Cerboni is an all-in-one financial solution for restaurants. Reliable tax preparation & Business incorporation. Seamless Payroll and compliance report. Strategic CFO Services That Drive Business Growth. Detailed, custom reporting for complete financial clarity. Dedicated support for restaurants & Multi-location businesses. End-to-end financial management under one roof. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more. Let's make 2025 the year your restaurant thrives. Guest contact info: Email: dancarr@viscontis.com Thanks for listening! Rate the podcast, subscribe, and share!

The most generous people give something money can't buy—their time, their presence, and their love.Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.A Simple Question That Changes EverythingIf you've ever wondered what true generosity looks like, it's often simpler—and closer to home—than we think. Generosity isn't measured by dollar amounts or estate plans; it's written on the faces and in the actions of people who live with open hearts.In fact, if you ask someone a simple question like this, you will move their hearts more than you know:“Think about the most generous person you know. What do they look like? What's their countenance? Their posture?”Take a moment to picture them. Chances are, their face lights up your mind's eye. They're probably joyful, peaceful, genuine—and not necessarily wealthy. That's because generosity is about heart, not income. It's about presence, not possessions.When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ.When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren't people who built foundations or donated millions. They modeled generosity through steady love and consistency.That's what long-term generosity looks like. It starts at home and grows outward.Redefining Long-Term ImpactWhen we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they're not the whole story. True long-term impact happens when we invest our lives, not just our assets.Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people's hearts.If you long to leave a legacy of generosity, start small.Serve one person this week. Ask God to show you where you can listen, encourage, or help.Be steady and intentional. Generosity grows through daily habits, not grand gestures.Practice generosity with time and words. The way you invest relationally today can change someone's tomorrow.Over time, those small acts of faithfulness will shape the kind of life others remember as generous.Generosity is most powerful when it's shared. Families that give together cultivate hearts that reflect God's heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God's grace.A Practical Tool for GivingOne practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund. It's like a charitable checking account where you can deposit money now and prayerfully decide later how to distribute it.Opening one is quick and easy, and it's a great way to involve your children or grandchildren in deciding where to give. You can learn more or start one in under five minutes at FaithFi.com/NCF.Generosity Flows Toward PeopleIn the end, generosity isn't about how much we give—it's about who we're becoming. It's not just an act; it's a lifestyle. When our generosity flows toward people instead of possessions, we participate in God's ongoing story of redemption.That's the kind of impact that lasts far beyond our lifetime.On Today's Program, Rob Answers Listener Questions:I really want to honor God with my giving. I've been thinking about donating to St. Jude Children's Research Hospital and to my local church. Should I split my giving between the two, or focus everything on my church?I called about Qualified Charitable Distributions before, and your explanation helped—but I'm still not sure I understand them. At age 70, it seems like you lose out on any interest or growth from that money, and you can't take a tax deduction. So why would anyone do a QCD at that age? Would it ever make sense to take money from a Roth IRA instead? And are there income levels where a QCD just doesn't make sense?How can I strike the right balance between managing my money wisely and living with radical generosity?I have about $100,000 invested across the S&P 500, NASDAQ, and Dow, but I'm wondering if that's too risky. Would it be safer to put everything into the S&P 500, or is there a better approach? At 76, should I shift more into bonds—and if so, what kind would you recommend?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Redeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textIn this candid and cathartic episode, Ken and Mike unpack the chaos that is Q4 for security professionals. From budget burnouts to end-of-year pentesting sprints, they explore why the final months of the year feel like a perfect storm for stress. Tune in as they share hard-earned lessons, practical advice for maintaining your sanity, and some gentle reminders that not everything needs to ship before Christmas. Whether you're a tired vendor, an overwhelmed engineer, or just trying to make it to PTO, this episode is for you.

Megan Shields discusses the intricacies of Facebook advertising, particularly for podcast editors who want to help their clients expose their clients' shows to a larger audience. She emphasizes the importance of understanding the relevance of Facebook ads in today's digital landscape, debunks common myths, and outlines strategies for both client acquisition and podcast promotion. Megan explains the role of the Meta tracking pixel, how to set up effective ad campaigns, and also highlights the importance of collaboration between podcast editors and ad managers to maximize ROI and achieve business goals.TakeawaysFacebook ads remain relevant with 3 billion monthly usersAdvertising will always work if done correctlyThe Meta tracking pixel is essential for measuring ad successUnderstanding your cost per lead is vital for ad campaignsCollaboration between podcast editors and ad managers enhances resultsKey moments:(00:00) The Relevance of Facebook Ads Today(09:31) Understanding Facebook Ads Myths(11:26) Strategies for Client Acquisition vs. Podcast Promotion(18:09) The Role of Meta Tracking Pixel(24:30) Setting Up and Budgeting for Ads(27:36) Content Types for Effective Ads(30:25) Maximizing ROI Beyond "Just" Podcast Promotion(42:43) Key Metrics to Monitor for Ad SuccessAbout Megan Shields:Megan is, as her husband calls her, a snow-plow of progress. Starting her sales career at age 24, she hit the ground running and became the top 10% of producers in the nation within the first 2 years by using the power of social media. After realizing how sought after her social media strategies were in corporate America, she decided to start her own business and ChimeHouse Media was born. Alongside her husband they serve clients all over the world, helping them grow their businesses and expand their reach using the power of Facebook and Instagram Ads. Find Megan at ChimeHouseMedia.com______________________________Our Editor for this episode: Alejandro RamierzInterested in talking with Alejandro about editing your show? Find him on LinkedIn.______________________________Tools we used:*Riverside.fm to RECORD & SHOW NOTESWe used Riverside to record this episode and create the basis of the show notes, including a list of takeaways and chapters. We also used the video editing tools to create a video version for YouTube.*Captivate.fm for our podcast MEDIA HOSTWe use Captivate to host the podcast. Captivate offers amazing features for a low monthly price, including full control of dynamic insertion, embedded chapters, and Blocks/Shortcodes to quickly add content to show notes (either static or dynamically!)*Use of the above affiliate links may earn us a commission, which is used to support the efforts of this show. Thank you in advance for your support!This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

* We take our weekly deep dive into crime and policing in the New Orleans area with former NOPD chief Ronal Serpas * We spend some time with Deuce McAllister talking about how this Saints season has gone, Rattler vs. Shough, and what he's seen from Kellen Moore.

Tommy talks with Ronal Serpas, Professor of Practice in the Department of Criminal Justice at Loyola and a former NOPD chief.

NEWS: Philippine conference emphasizes gender-responsive budgeting for inclusive growth | Oct. 29, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

In this podcast episode, host Rob Lawrence interviews Alan Nicholls, from the UK Government's Money and Pensions Service and BGCN. You'll hear a discussion on how to develop essential financial habits for business owners, with an emphasis on the importance of budgeting, separating personal and business finances, and building financial resilience. Alan highlights practical tools (see below) for budgeting and tax support, and shares advice on managing cash flow, saving regularly, and preparing for tax obligations. Our conversation encourages normalising discussions about money, seeking support, and using available resources to gain confidence and control over both personal and business finances. In this episode, you'll learn:Introduction and Guest Background (00:02:00) Alan introduces himself, his roles at the Money and Pensions Service and BCN, and his experience supporting SMEs.The Importance of Thinking About Money from Day One (00:03:59) Discussion on why financial awareness is crucial from the start of a business, and the overlap with personal finances.Developing Good Financial Habits (00:06:49) Advice on building regular habits for reviewing income and expenditure, and the importance of monthly check-ins.Tools for Managing Finances (00:08:02) Introduction to the Money Helper website and its budgeting tools, especially for those who dislike spreadsheets.Facing Financial Messiness and Avoidance (00:10:27) Normalising the messiness of finances, the dangers of avoidance, and the risks of turning to harmful solutions.Understanding and Controlling Your Finances (00:13:00) Emphasis on feeling in control, exploring financial education, and using available support resources.Separating Personal and Business Finances (00:14:36) Why separating accounts brings clarity, especially as businesses grow and tax requirements increase.Practicalities of Separate Accounts for Sole Traders (00:17:05) Clarifying myths about bank accounts, and practical steps for sole traders to separate business finances.Problems with Mixing Personal and Business Finances (00:19:25) Examples of complications and tax issues that arise from not keeping finances separate.Cash Flow and Its Importance for Growth (00:21:53) Explanation of cash flow, its role in business growth, and the need for planning and resilience.Budgeting and Building Financial Resilience (00:25:14) Mindset and strategies for budgeting, creating a savings pot, and planning for unexpected events.Planning for Success and Future Growth (00:29:28) How to use surplus funds, set savings goals, and reinvest in business or personal financial resilience.Self-Assessment and Tax Basics (00:32:31) When to start thinking about tax returns, thresholds, and the benefits of good record-keeping.Avoiding Surprises and Building Financial Habits (00:34:35) Tips for staying on top of receipts, expenses, and making financial management a daily habit.Guidance on Savings and Tax Percentages (00:38:27) Focus on developing a savings habit over fixed percentages, and the importance of understanding your own finances.Accountability and Seeking Support (00:40:43) Encouragement to seek accountability, use available coaching, and not to go it alone.Final Thoughts and Key...

To understand how much to spend on cybersecurity, you have to accurately assess or quantify your risks. Too many people still peg their cybersecurity spend to their IT budget; that is, they’ll look at what they’re spending on IT, and then allocate a percentage of that to cybersecurity. That may have made some sense when... Read more »

Living simply isn't about deprivation—it's about freedom. And that freedom can unleash extraordinary generosity.God calls us to live with eternity in mind—not clinging to possessions but using what we have for His Kingdom. Randy Alcorn joins us today to talk about how we can loosen our grip on earthly things to open our hands to eternal impact.Randy Alcorn is the founder and director of Eternal Perspective Ministries (EPM) and the New York Times Bestselling author of more than 60 books, including Heaven, Money, Possessions, and Eternity, The Treasure Principle, and Giving Is the Good Life. His books have been translated into over 70 languages and have sold more than 10 million copies.Simplicity That Leads to GenerosityYou've likely heard the phrase, “Live simply, that others may simply live.” It's a short sentence with a world of meaning behind it—and one that feels increasingly relevant today.Everywhere we look, we see need. It's been that way ever since sin entered the world, but now the sheer scale is staggering—billions of people living in poverty, lacking food, clean water, or access to opportunity. When we consider this, it should be shocking to see how much of a difference it would make if those of us who follow Jesus simply chose to live on less—so that we could give more.This isn't about rejecting good gifts or living in asceticism. It's about reordering our priorities so that what God provides doesn't end with us. Living simply creates margin. And that margin can fuel generosity that transforms lives, both now and for eternity.Some people hear “simplicity” and think of minimalism for its own sake—going off the grid, cutting out every comfort, or proudly living with as little as possible. But simplicity by itself accomplishes very little.You could live the simplest life imaginable, and still not help anyone. The goal isn't simplicity—it's purposeful simplicity that opens the door to generous living.If God blesses you with wealth, there's no shame in that. In fact, that's a great opportunity. The question isn't how much do you have?—but what are you doing with what you have? Go ahead and earn well, but then invest it in God's Kingdom. Use what He's entrusted to you to love Him and to love others.That's where simplicity finds its true purpose—in freeing you to give more boldly, more joyfully, and more eternally.Seeing Life Through the Lens of EternityWhen Jesus said, “Store up for yourselves treasures in heaven,” He wasn't speaking in riddles. He was revealing a reality that reshapes everything we own. But if we have no concept of Heaven—if we're not eager for the life to come—then treasures in Heaven won't mean much to us.Scripture promises that God will one day bring Heaven down to Earth—the new Earth, a renewed creation where righteousness dwells. That's our forever home. That's the world we were made for.When we live in light of that eternal perspective, it changes how we view possessions today. Why cling to what's temporary when you can invest in what lasts forever? The things of this world fade—but what's given to God's purposes endures.For many of us, money and possessions have enormous mass. But when we give generously, we shift our center of gravity from earth to eternity. We begin to orbit around God's Kingdom rather than our own comfort. That's freedom.Becoming God's Delivery SystemEverything we have comes from God—and it's meant to flow through us, not stop with us. I like to say we're not buckets, we're pipelines. God's resources are meant to move through our lives to accomplish His purposes.If the FedEx driver delivered a package to himself instead of the intended recipient, we'd say he misunderstood his job. And yet, that's what many of us do with God's provision. We assume it's all for us when in reality, we're the delivery system for His grace.The Bible says, “Now it is required that those who have been given a trust must prove faithful.” (1 Corinthians 4:2) Faithful stewards don't hoard. They pass along what belongs to the true Owner.We've all heard the phrase, “God owns it all.” But do we live like it's true? If we really believe that everything we have belongs to Him, then generosity isn't a burden—it's obedience.That changes how we think about earning, saving, and spending. It means asking, “Lord, what do You want us to do with Your money?” That's stewardship in its purest form—managing God's resources for God's glory.Living for the Kingdom, Not the DreamThe Bible doesn't pit generosity against joy. In fact, they belong together. Paul writes in 1 Timothy 6 that God gives us all things richly to enjoy, even as he warns us about materialism.God delights in our joy. He gives good gifts. But He also invites us to hold them loosely. Take that vacation. Enjoy a good meal. But let gratitude and generosity flow together.Living simply doesn't mean rejecting enjoyment. It means finding joy in what pleases God most—seeing our resources advance His Kingdom and bless others in His name.It's easy to justify excess when someone else always seems to have more. But if we're not careful, we can baptize greed in the name of the American dream.God calls us to something far richer—a life rooted in gratitude, freedom, and Kingdom purpose. Living simply and giving generously keeps our hearts anchored in eternity and our hands open to bless others.That's not loss. That's joy. That's freedom. That's treasure that lasts forever.On Today's Program, Rob Answers Listener Questions:I'm 72 years old, still teaching at a state school, and I'd like to resume making payments on my student loans. They've been in deferment, so I haven't been able to make my regular $100-a-month payments. Is there any way I can make those payments? I've been told my loans won't qualify for forgiveness until I start paying on them.My husband and I are 55 and 56, and we own a business along with several rental properties. We have about $500,000 we'd like to invest, and we're considering a hybrid life insurance policy with a benefit access rider for long-term care. We'd put in about $155,000 for a guaranteed $250,000 death benefit each, for a total of $500,000, plus any growth. What do you think about that kind of approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heaven: A Comprehensive Guide to Everything the Bible Says About Our Eternal Home (Clear Answers to 44 Real Questions About the Afterlife, Angels, Resurrection, and the Kingdom of God) by Randy AlcornMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornEternal Perspective Ministries (EPM)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

To understand how much to spend on cybersecurity, you have to accurately assess or quantify your risks. Too many people still peg their cybersecurity spend to their IT budget; that is, they’ll look at what they’re spending on IT, and then allocate a percentage of that to cybersecurity. That may have made some sense when... Read more »

In this episode of the Medical Aesthetics Marketing Show, Pam, the Aesthetics junkie, delves into effective paid advertising strategies for aesthetic practitioners. She discusses common mistakes, such as ineffective boosting of posts and inadequate lead capture systems, and emphasizes the importance of a structured approach. The episode covers the difference between social media and intent-driven ads, and introduces a three-part framework: awareness, lead capture, and conversion. Through practical examples, such as the pajama purchase analogy, Pam illustrates the need for a clear strategy, proper targeting, and follow-up systems to turn ad spend into bookings. The discussion highlights crucial aspects such as retargeting, nurturing leads, and aligning ads with organic content. 00:00 Introduction to the Medical Aesthetics Marketing Show01:16 The Problem with Paid Advertising02:52 Common Mistakes in Social Media Ads05:16 Effective Lead Capture Strategies07:24 The Importance of Retargeting10:14 Building a Successful Ad Strategy20:42 Budgeting for Ad Spend26:57 Advanced Advertising Techniques28:50 Conclusion and Next StepsFollow us on Instagram: Instagram.com/theaestheticjunkieAll Podcasts & Resources: https://www.theaestheticsjunkie.com/medical-spa-marketing-show-podcast/

Quint and Logan discuss how to factor rental income into your budget. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What's the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners' questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean's Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet's free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textCan shifting your mindset about money unlock not just financial freedom, but also mental peace? In this deeply inspiring and practical episode, Lira sits down with Shai-dam Akwo, a financial professional consultant and CEO of One-Off Elite, who shares his incredible journey from extreme poverty in Cameroon to building a successful life and business in the United States. Shy's story is a powerful testament to resilience, the drive for a better future, and the critical role financial literacy plays in breaking generational cycles.Shai offers profound insights into the cultural and historical reasons why money remains a taboo subject in many African and Black communities, explaining how societal pressures and a misunderstanding of wealth often lead to financial stress and hinder true progress. He draws a crucial distinction between being rich (making money) and being wealthy (building sustainable financial peace and security that lasts even if you stop working). This conversation is a masterclass in shifting from a survival mindset to a wealth-building one.This episode is packed with actionable advice for anyone ready to take control of their financial future. Shai emphasizes the foundational steps: educating yourself (even through free resources like YouTube and audiobooks), setting massive goals that scare you, disciplined budgeting, finding side hustles, and understanding that building wealth is a long-term journey requiring consistency and patience. He passionately argues that life insurance is the cornerstone of any wealth-building plan, explaining how it protects your most valuable asset—your ability to earn income—against life's uncertainties like critical illness, ensuring your family's stability and peace of mind.Join Lira and Shai for a conversation that bridges finance, mindset, resilience, and mental well-being, offering both inspiration and a practical roadmap to creating a life of security and purpose.Support the showCall to Action: Engage with the Self-Reflection Podcast community! Like, follow, and subscribe on Spotify, Apple Podcasts, YouTube (Self-Reflection Podcast by Lira Ndifon), and all major podcast platforms. Share your insights and feedback—we value your contributions! Suggest topics you'd like us to explore. Your support amplifies our reach, sharing these vital messages of self-love and empowerment. Until our next conversation, prioritize self-care and embrace your journey. Grab your copy of "Awaken Your True Self" on Amazon. Until next time, be kind to yourself and keep reflecting.

We live in a world that never seems to slow down. Deadlines, family demands, and constant notifications all compete for our attention.But what if God designed rest—not just work—as being essential to our flourishing? Today, we're talking with Tom Nelson about the Sabbath, why it matters, and how it can transform the way we live and trust God.Dr. Tom Nelson is the President of Made to Flourish and has served as the Senior Pastor of Christ Community Church, a multi-site congregation across Kansas City, for over 30 years. He is also the author of Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World.God's Design for Both Work and RestFrom the very first pages of Scripture, we see that God's creation design includes both work and rest. These are not competing ideas but complementary rhythms woven into what it means to bear God's image. Yet in our culture, it's easy to emphasize one and neglect the other. We celebrate hard work—and rightly so—but often ignore the equally important gift of rest.Genesis 2 begins not with human work, but with divine rest. “By the seventh day God had finished the work he had been doing; so on the seventh day he rested” (Genesis 2:2). God didn't rest because He was weary. He rested to delight in His creation and to model for us a rhythm of life that mirrors His own.Sabbath is a gift. It's not an obstacle to productivity but an invitation to communion with our Creator. From the Garden of Eden to the Ten Commandments, from Jesus' ministry to the promise of the new creation, the thread of Sabbath runs through the entire story of Scripture.When we honor that rhythm—six days of labor and one day of holy rest—we experience an echo of Eden and a foretaste of eternity, when we will work and rest in perfect harmony with God.Rediscovering Sabbath as a GiftGod designed us for a relationship with Himself and with one another. Sabbath helps us recalibrate those relationships. It reorders our hearts around love, not accomplishment. The Triune God invites us to rest so that our hearts might be re-centered on intimacy with Him rather than on our own achievements.That's what Sabbath is really about: not simply stopping our work, but remembering who sustains it. It reminds us that the primary calling of our lives is not to do for God, but to be with God.For many of us, we may see Sabbath as optional—something good in theory but impossible in practice. However, neglecting rest affects our spiritual formation, our relationships, and even our physical and emotional health.Sabbath is not a duty; it's a grace. It's not legalism; it's life. Sabbath is God's way of teaching us to steward not just our resources, but our time. We often speak of stewarding our time, talent, and treasure, yet forget that time itself is one of God's greatest gifts.We may think of Sabbath as “rest from work,” but we should really view it as “work from rest.” Our week should flow out of the rest we receive—not the other way around.Guarding Against the Idolatry of WorkOur work matters deeply to God. But like all good things, it can become disordered. When we place our identity, meaning, or security in what we accomplish, work becomes an idol. Sabbath protects us from that idolatry.By resting, we declare that God—not our productivity—sustains the world. Sabbath breaks the cycle of self-reliance and teaches us to trust the One who never sleeps. It frees us to delight in beauty, to nurture relationships, and to experience renewal in body and soul.Many people say, “That sounds wonderful, but you don't know my schedule.” Between raising children, leading organizations, and building businesses, the idea of a day of rest can feel unrealistic.But Sabbath is not a test of devotion—it's an act of grace. Jesus said, “The Sabbath was made for man, not man for the Sabbath” (Mark 2:27). God gives us this rhythm for our good. So start small. Begin with an afternoon. Disconnect from technology. Step away from the endless noise and hurry. Give your soul permission to breathe.As you do, you'll find that rest becomes not a luxury, but a necessity. You'll also discover that Sabbath rhythms bear witness to a watching world—an act of quiet evangelism declaring that our trust is in God's provision, not our own effort.A Practical Picture of SabbathFor many, Sunday naturally serves as a Sabbath—a day centered on corporate worship and community. Begin the day in God's Word. Gather with your church family to worship and remember the gospel. Then build the rest of the day around delight: time with loved ones, enjoying nature, sharing meals, or simply slowing down.Sabbath isn't about inactivity; it's about being present—to God, to others, and to the world He made. It's a day of delight, not productivity—a time to remember that we are human beings, not human doings.Without Sabbath, those we love often receive only our leftovers—whatever energy remains after six days of striving. But when rest becomes part of our rhythm, our relationships deepen. We offer the people closest to us not exhaustion, but joy.Sadly, when people face burnout or relational breakdown, Sabbath is almost always missing. Rest is essential to wholeness.Ultimately, Sabbath points us to Jesus Himself—the Lord of the Sabbath. He invites us, “Come to me, all who labor and are heavy laden, and I will give you rest” (Matthew 11:28). That invitation is not just for a day each week—it's for every day of our lives.When we rest, we remember that the world is not upheld by our effort but by His grace. True rest is not found in the absence of work but in the presence of Christ.On Today's Program, Rob Answers Listener Questions:Our new community ministry is only about 25% funded right now, but we'd really like to launch it in a biblically sound way. As a leadership team, how should we move forward with that?A debt settlement counselor is offering to settle $36,000 of debt for $29,000, with monthly payments of $575 over 52 months. That adds up to just $29,000 total. Is this legitimate—or does it sound like a scam?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Made to FlourishWhy Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World by Dr. Tom NelsonChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week's guest is Mando Sallavanti. He'sd had many peaks and valleys in finding himself, going from the thoughts of becoming a professional football player, to his rock bottom moment when the Pandemic canceled his final season of college football. After deciding to become a financial planner, he went from making $360 in his first 3 months, to having over 100 clients, managing millions of dollars.He can help with Tax Planning, Budgeting, Benefit Review, Debt Management, Insurance Planning, Wealth Management, and if you need cigar recommendations, he can help with that too. In this week's episode, we discussed:Don't Confuse Actively For Productivity Work Ethic From Being OverweightNot Internalizing Other's ProblemsPaying For Saving TimeThe Cost of Change vs. Staying The SameHow To Invest in Yourself 101Much MorePlease enjoy this week's episode with Mando Sallavanti. Armando Sallavanti is a registered representative with and offers securities and investment advisory services through MML Investors Services, LLC. Supervisory Office: 2 Bala Plaza, Ste 901, Bala Cynwyd, PA 19004. Tel: 610-766-3000.____________________________________________________________________________I am now in the early stages of writing my first book! In this book, I will be telling my story of getting into sales and the lessons I have learned so far, and intertwine stories, tips, and advice from the Top Sales Professionals In The World! As a first time author, I want to share these interviews with you all, and take you on this book writing journey with me! Like the show? Subscribe to the email: https://mailchi.mp/a71e58dacffb/welcome-to-the-20-podcast-communityI want your feedback!Reach out to 20percentpodcastquestions@gmail.com, or find me on LinkedIn.

If you are thinking about divorce or going through one, or even if you are already divorced, you can benefit so much from this episode! My guests are financial advisors, Pete Mullins, CDFA® and Lauren Connelly, and we talk about the importance of having a budget and a financial plan. It's not as complicated as you think! 

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.

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.

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.

When you buy something, it's a simple transaction—money goes out, and something tangible comes back in. But giving is different. Scripture tells us that when we give, we also receive—but not always in the way we expect. The return God promises isn't measured in bank balances or possessions. It's measured in freedom, joy, and purpose.Many people hear the phrase “give to receive” and imagine a divine transaction: give to God or others, and blessings—perhaps even financial—will return. But biblically, generosity is never a get-rich scheme. It's an invitation to live the kind of life God designed for us—a life marked by open hands and open hearts.God's Kingdom Is Not a Vending MachineSome interpret verses like Luke 6:38 (“Give, and it will be given to you”) as a spiritual formula: “If I give, God owes me something.” But this is a distortion of Jesus' teaching. God isn't running a cosmic vending machine where our dollars purchase His favor.Instead, He invites us to live differently—to find life not in what we keep but in what we release. If money itself were the ultimate reward, God would be reinforcing the very idol He seeks to break in our hearts. Jesus reminds us in Luke 12:15, “One's life does not consist in the abundance of possessions.” That truth echoes through every page of Scripture: generosity is not about loss—it's about liberation.What We Actually Receive When We GiveSo, if giving isn't transactional, what does Scripture say we receive in return? The Bible highlights three beautiful gifts that generosity brings.1. We Receive FreedomMoney has a unique power to capture our hearts. Jesus warned, “You cannot serve God and money” (Matthew 6:24). Every act of generosity is a declaration of allegiance: we are not owned by our wealth. Giving loosens money's grip and frees us to serve a greater Master.2. We Receive JoyIn Acts 20:35, Paul quotes Jesus saying, “It is more blessed to give than to receive.” True joy doesn't come from what we accumulate—it comes from participating in God's generosity. John Bunyan put it this way: “You have not lived today until you have done something for someone who can never repay you.”3. We Receive PurposeWhen we give, we join God's mission in the world. Paul writes in 2 Corinthians 9:11, “You will be enriched in every way to be generous in every way.” The goal isn't self-enrichment—it's being a conduit of blessing. Generosity connects our story to God's story, reminding us that every resource we have is meant to reflect His generous heart.Giving Flows from GraceIf we're honest, our motives for giving can become mixed. We might give to feel good, earn approval, or to gain favor with God. But the gospel frees us from all of that. Ephesians 2:8–10 makes it clear: we're saved by grace, not by works. Our generosity is not a means of earning God's love—it's a response to already having it.Once we understand that truth, giving transforms from obligation into worship. We don't give to get something back. We give because we've already received everything in Christ.At the center of our faith stands Jesus—the One who gave everything. Paul captures it beautifully in 2 Corinthians 8:9:“For you know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you by His poverty might become rich.”Jesus didn't give to gain something for Himself. He gave because of love. Through His sacrifice, we received reconciliation with God and eternal life in His Kingdom—riches far beyond material wealth.When our giving mirrors His, our motivation becomes love, not return. And in that kind of giving, we experience the true riches of life in Christ.Living With Open HandsEven when generosity brings blessing, the return is never shallow or predictable. We don't give to multiply our possessions—we give to multiply love, freedom, and trust.Every act of giving draws us deeper into God's life—freeing us from greed, filling us with joy, anchoring us in purpose, and reminding us that He is our ultimate treasure.The world says, “Give so you can get.” The gospel says, “Give because you've already been given everything.”When we live with open hands, we discover that the richest life is the one fully surrendered to God.On Today's Program, Rob Answers Listener Questions:My wife had student loans before we got married, and the balance has now grown to about $65,000. I didn't realize how much debt she had until recently, and it's been hard to manage on our income—especially since her payments are currently set to $0 through an income-based repayment plan. How should we approach this situation, and what can we do to manage or reduce this debt given our financial limitations?I've been giving to my church using funds from my Required Minimum Distribution, even though I'm still working. Someone recently asked why I'm taking RMDs if I'm not yet required to. Do I have to take RMDs from my retirement plan while I'm still employed, or do the rules only apply to my IRA?I have both a Roth IRA and a brokerage account that I'd like to transfer to a new investment firm. The accounts have been open for more than five years. If I move my Roth IRA, does that five-year clock restart, or does the time I've already had it stay intact?I recently received an inheritance of about $200,000 after my father's passing. My mortgage balance is around $175,000. I don't have any other debt, but I do have five kids at different stages of life, including some in college, and I haven't saved much for retirement. Should I use the inheritance to pay off the mortgage and invest the remaining amount, or keep the mortgage and invest the entire amount for the future? What's the best move for my family right now?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Did you know that over the next two decades, trillions of dollars will pass from one generation to the next?The question is—what kind of legacy will that transfer leave behind? Today, Boyd Bailey joins us to talk about how generosity is about more than dollars—it's about discipleship, financial literacy, and passing on wisdom along with wealth.Boyd Bailey is the President of the National Christian Foundation (NCF) in Georgia, an underwriter of Faith and Finance. He is also the author of several books, including his latest, The Power of Generosity: Experiencing God's Amazing Abundance – How to Change the World Through Acts of Kindness.What Makes NCF UniqueFounded in 1982 by Larry Burkett, Ron Blue, and Terry Parker, the National Christian Foundation (NCF) has helped mobilize over $21 billion for more than 90,000 charities and ministries worldwide.From the beginning, NCF has understood that when you carry Christian in your name, you also carry a sacred responsibility. Their mission is to walk alongside believers—to help them make the most of what God has entrusted to them—and they always start with the heart.Before discussing strategy, NCF encourages donors to discern God's call on their generosity through prayerful consideration. Only after that heart work do they explore practical tools—how to give wisely, save on taxes, and maximize Kingdom impact.One of NCF's most effective tools is the Giving Fund, a type of donor-advised fund that functions like a “charitable checking account.” Even with limited tech experience, you can open a Giving Fund online in less than a minute. It makes giving spontaneous and simple—whether you're inspired at a church service or a fundraising dinner.But convenience isn't the goal—discipleship is. Many families establish Giving Funds for their children, helping them embark on their own journey of generosity. And NCF encourages creative giving, too—through appreciated stock, real estate, or even a business interest—allowing donors to give more while paying less in taxes.Generosity and Wise StewardshipStewardship and generosity aren't opposites—they're two sides of the same coin. Stewardship manages what God provides; generosity releases it for His purposes. Without generosity, stewardship is incomplete.As Paul writes in 1 Timothy 6:17–18, believers are to “put their hope in God, who richly provides,” and to “be rich in good deeds.” Generosity, then, isn't just about giving—it's about protecting our hearts from the idols of wealth and security that compete for our devotion.For those struggling to give during uncertain times, it helps to broaden the definition of generosity. It's not limited to money—it also includes time, attention, and hospitality.Still, fear and busyness often prevent families from discussing giving or wealth transfer. The best approach? Plan early. Invite everyone. Don't go it alone. Bring in a trusted advisor or friend to help facilitate the conversation. Why wait until after you're gone for your kids to experience the joy of giving? Use your influence now to model Kingdom-minded generosity.A Simple Way to StartAs year-end approaches, consider whether an NCF Giving Fund could help you take your next faithful step in generosity. It's simple to set up, easy to use, and profoundly impactful for both you and those you bless.To learn more—or to open your own Giving Fund—visit FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:My husband and I are helping our young adult son build credit. I've heard you discuss secured credit cards, but I'm also curious about whether utility bills can serve a similar purpose. You mentioned something about reporting—where does that information actually go when utilities are reported? Also, my husband and I have been debt-free for years—not even a mortgage. We share one credit card, and he was listed on it with me. We thought that would help both of our credit scores, but recently discovered that his credit disappeared. Do we need to specifically list him as an “authorized user” for it to be counted toward his credit history? I'm not sure what went wrong.I'm considering changing financial advisors and would like to understand the key concerns to keep in mind—whether it's switching to a new advisor within the same company or transferring my investments to a different institution. How does that process work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)The Power of Generosity: Experiencing God's Amazing Abundance – How to Change the World Through Acts of Kindness by Boyd BaileyExperian BoostWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode of Live Life by Design, host Jeff Mendez sits down with Adam Hall, head wrestling coach at Utah Valley University, former All-American, and leadership powerhouse. From his roots in Idaho to coaching on the national stage, Adam shares raw, tactical insights on what it takes to lead under pressure, delegate with trust, and build a winning culture from the ground up.Whether you're building a business, leading a team, or striving for personal greatness—this episode breaks down how structure creates freedom, how to lead with clarity, and why accountability is love. It's not just about wrestling. It's about life, purpose, and living by design—not default.⏱️ Key Moments0:00:07 Intro & Guest Welcome0:00:49 Adam's Journey to Coaching0:03:29 Leadership & Delegation0:05:21 Culture & Communication0:11:38 Team Structure & Roles0:16:06 Budgeting & Fundraising0:21:56 Raising Academic Standards0:24:00 Life After Graduation0:38:58 Recruiting & Transfer Portal0:49:06 Structure Creates Freedom0:53:50 Wrestling Mindset & Ownership0:56:35 Leading Through Tragedy1:05:00 Living by Design Hosted on Acast. See acast.com/privacy for more information.

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Did you know your financial advisor can actually help you invest in ways that reflect your faith?Advisors do more than just help you hit financial targets—they can also guide you in making a lasting impact with your investments. Today, Josh Bean joins us to share how to start the conversation about faith-based investing.Josh Bean is the National Sales Manager for Praxis Investment Management, an underwriter of Faith & Finance.25 Years of Change in Faith-Based InvestingAbout 25 years ago, Praxis conducted its first major study on faith-based investing. This year, they decided to revisit that research and see how investor attitudes have evolved.Partnering with Bellomy Market Research, the Praxis team surveyed over 1,000 individual investors and 400 financial advisors to explore the motivations, opportunities, and concerns surrounding faith-aligned portfolios.The exciting part is that the results confirmed what they've believed all along: people genuinely want to align their investments with what matters most to them. You can explore the full report at PraxisInvests.com/FaithBasedInvesting.According to the study, nearly half of all investors—48%—have already aligned their portfolios with their faith or are interested in doing so. What's striking is that this number encompasses all investors, not just those with a religious background.People see investing as more than performance—it's about purpose. They want their portfolios to reflect their convictions.The Advisor Gap: 78% Want Guidance, But Only 9% Are AskedPerhaps the most surprising finding is the communication gap between clients and advisors.78% of investors said it's important for their advisor to discuss faith-aligned options, but only 9% of advisors say they actually bring it up.That gap is one of the biggest barriers to growth. Investors are eager. Advisors often just don't know how to start the conversation. That's where firms like Praxis can help bridge the gap.One reason some advisors hesitate? The lingering myth that values-driven investing means sacrificing returns.That's just not the case anymore. At Praxis, they aim for benchmark-like returns through diversified, optimized portfolios. They screen out approximately 15% of companies that don't align with their values and incorporate positive impact strategies—all while closely tracking performance.This approach isn't just about numbers—it's about stewardship. In the Parable of the Talents, Jesus commends the faithful servants who wisely managed what they were given. That's our model—faithful stewardship with Kingdom impact.An Expanding Landscape of Faith-Based OptionsFaith-based investing has come a long way. What once seemed niche now includes mutual funds, ETFs, and multi-fund portfolios that reflect a range of Christian values and causes.Investors today can build diversified, competitive portfolios entirely within the faith-based space. There are more options—and better tools—than ever before.Among those tools are screening systems that allow investors to exclude companies that conflict with biblical values or to include those that make a positive social or environmental impact.Taking the First Step: Talk With Your AdvisorFor those new to this space, start the conversation. Ask your advisor, Can my faith be reflected in my investment strategy? That one question could open the door to an entirely new way of stewarding your money.To help, Praxis has created a free Faith-Based Investing brochure, available at PraxisInvests.com/FaithBasedInvesting. It provides practical guidance on initiating faith-aligned conversations with your financial advisor.And if you'd like to find a Certified Kingdom Advisor who specializes in Faith-Based Investing, you can visit FindACKA.com. On Today's Program, Rob Answers Listener Questions:I'm 82 years old and recently got a cold call from someone asking if I'd like to sell my house for cash. I don't owe anything on it—just pay for homeowners' insurance and utilities. Since God has blessed me to live mortgage-free, should I even consider their offer?I'm considering taking out a $20,000 loan, but I'd rather not use a home equity loan, even though my credit is good. I was thinking of a personal loan through Bank of America instead. My husband is retired, and I'm the only one working—so which option would be more cost-effective for us?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementReport on Faith-Based Investing from PraxisWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Amanda K. Foust is an entrepreneur, marketing expert, coach, author, and the creator of the High Performance Planner. She's also a devoted mom to a beautifully blended family of both adopted and biological children—and she's back on the Powerful Ladies Podcast to share the deeply personal side of her journey. In this episode, Amanda joins Kara to talk about love, family, and what it really means to open your heart to adoption. They dive into the realities of raising an interracial family, navigating trauma, understanding attachment, and knowing when you're truly ready to adopt. Amanda also shares the inspiration behind her children's book, Love Shapes the Heart, a powerful story about identity, diversity, and belonging. If you've ever considered adoption, are building a family of your own, or simply want to be reminded of the transformative power of love, this episode is one you won't want to miss. Chapters: 00:00 Family Adventures and Intentional Parenting 03:04 The Journey of Adoption 06:00 Navigating Interracial Family Dynamics 08:51 The Challenges of Trauma in Adoption 11:59 Finding Joy in Parenting 14:58 The Importance of Community Support 17:51 Integrating Biological and Adopted Children 20:50 The Financial Aspects of Adoption 24:43 Understanding Financial Hurdles in Parenting 27:08 The Role of Community in Adoption 30:09 Courage and the Adoption Journey 32:42 Overcoming Challenges in International Adoption 36:36 The Impact of Parenting Styles on Children 40:33 Budgeting for Family Expenses 42:25 The Evolution of Parenting in Modern Times 45:28 Supporting Each Other in the Adoption Process The Powerful Ladies podcast, hosted by business coach and strategist Kara Duffy features candid conversations with entrepreneurs, creatives, athletes, chefs, writers, scientists, and more. Every Wednesday, new episodes explore what it means to lead with purpose, create with intention, and define success on your own terms. Whether you're growing a business, changing careers, or asking bigger questions, these stories remind you: you're not alone, and you're more powerful than you think. Explore more at thepowerfulladies.com and karaduffy.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is the secret to long-term wealth a complicated, high-stakes strategy, or something far simpler? We often get drawn to the allure of "sexy" investing—the risky bets, the hot stock tips, the promise of explosive overnight returns. But what if the most powerful path to financial growth is actually the one that feels a little… boring? This episode pulls back the curtain on why consistency, patience, and a simple plan can be your greatest assets on your investment journey. We're diving deep into the power of straightforward, time-tested strategies like diversified index funds and automated contributions. You'll learn how these "boring" methods are designed to harness the market's power over the long haul, helping you build wealth without the sleepless nights. We'll also uncover the common traps of complex, "sexy" investing—from chasing elusive returns to taking on unnecessary risk. Get ready to feel empowered and inspired to build a strategy that truly works for you, one that brings you closer to your goals with confidence and clarity.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Live from Boston on the final stop of the Advisory Amplified tour, Blake sits down with James Erving from Fathom and Chris Macksey from Prix Fixe Accounting to explore what advisory services really mean beyond bookkeeping and compliance. Chris shares how his firm requires advisory for all restaurant clients, using industry expertise and operational metrics to guide decisions on everything from menu pricing to expansion timing. The conversation covers the difference between delivering information versus being integral to decision-making, with insights on forecasting, benchmarking, and why visual KPIs help clients with low financial literacy understand their business performance.Chapters(00:22) - Welcome to the Earmark Podcast (01:15) - Prix Fixe Accounting: A Niche in Hospitality (02:25) - Advisory Services in the Restaurant Industry (06:20) - Forecasting and Budgeting for Restaurants (06:59) - Getting Started with Advisory Services (13:40) - Defining Advisory Services (17:35) - The Value of Metrics and Visuals (25:24) - Advice for Firms Starting Advisory Services (27:40) - Conclusion and Final Thoughts Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guests: James ErvingLinkedIn: https://www.linkedin.com/in/jameserving/Learn more about FathomOfficial website: http://fathomhq.comChris MackseyLinkedIn: https://www.linkedin.com/in/cmacksey/Learn more about Prix Fixe AccountingOfficial website: https://prixfixe.accountants/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

For many people, contentment feels just out of reach—always tied to the next raise, the next purchase, or the next season of life. Yet Scripture calls us to something deeper and more lasting: a contentment that doesn't depend on circumstances but rests in Christ Himself.Psalm 23 begins with a stunning declaration:“The Lord is my shepherd; I have all that I need.” — Psalm 23:1 (NLT)David's words remind us that contentment doesn't come from acquiring more but from trusting the One who provides. Just as sheep rest securely under the care of their shepherd, we can rest in God's faithful provision.True contentment isn't about suppressing desire—it's about redirecting it. When we find sufficiency in Christ rather than in money, possessions, or achievements, we're freed from the trap of covetousness and anchored in the truth that in Him, we already have all we truly need.The Ancient Lie of DiscontentmentDiscontentment has plagued humanity from the beginning. In Eden, Adam and Eve had everything they needed, yet the serpent's lie convinced them they lacked something essential. Discontentment still whispers, “God is holding out on you—you'd be better off if you had more.”Today, that same voice is amplified through advertising, social media, and cultural comparison. We scroll through highlight reels and feel our lives don't measure up. But Hebrews 13:5 offers the antidote:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”The cure for discontentment isn't having more—it's remembering that God is always with us.The Freedom of “Enough”Contentment is not resignation—it's liberation. It frees us from envy, overspending, and the crushing weight of comparison. Instead of striving endlessly for more, we learn to steward wisely what God has entrusted to us.Proverbs 30:8–9 captures this balanced perspective beautifully:“Give me neither poverty nor riches; feed me with the food that is needful for me…”The wise steward seeks enough—not excess. When we live this way, our financial decisions change. We spend with purpose. We give with joy. We save with peace. Contentment reorients money from being our master to being a tool for God's Kingdom.Think of the widow of Zarephath in 1 Kings 17. With only a handful of flour and a little oil left, she faced famine. Yet when Elijah asked her to make him a cake first, she trusted God's word—and He provided, not with overflowing barns, but with daily sufficiency.Or consider the Macedonian believers in 2 Corinthians 8. Paul wrote,“In a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity.”Despite having little, they gave with glad hearts because their contentment was in Christ, not in their circumstances.These examples remind us that contentment and generosity often go hand in hand. When we are satisfied in Christ, we're free to bless others.Trusting the God Who ProvidesAt the heart of contentment is trust. Jesus said in Matthew 6:25–26,“Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?”Contentment flows from believing that God knows what we need and delights to provide for His children. As Elisabeth Elliot once wrote, “The secret is Christ in me, not me in a different set of circumstances.”When Christ becomes our treasure, everything else finds its proper place.That's why Paul could say in 1 Timothy 6:6:“Godliness with contentment is great gain.”Contentment isn't a loss—it's true gain. It's the kind of wealth no market downturn can erase and no thief can steal. Choosing contentment doesn't mean settling for less; it means resting in the sufficiency of Christ.When we stop chasing “more” and start trusting God's daily provision, we discover freedom, peace, and joy. That's the essence of faithful stewardship—not just managing money, but aligning our hearts with the One who promises, “I will never leave you nor forsake you.”On Today's Program, Rob Answers Listener Questions:I own several rental properties and would like to leave one to each of my children. I still want to collect the rental income, but I'd like to avoid probate and ensure a smooth transition when I pass away. How can I set up a trust to do that, and what's the best way to move forward?I got divorced in my mid-50s and had to start over from scratch. I'm now 66 with a little over $37,000 in my 401(k), which I'm eligible to roll over into an IRA. I'd really like to invest that money through a biblically based firm, but most of the ones I've contacted require a minimum investment of $50,000. Do you have any suggestions? And how can I build my savings over the next four years? $37,000 won't last long.I'm retired, and my husband will be retiring soon. We don't have a lot saved, but he does have a 401(k) through work. We're unsure what to do with it or how to ensure we'll have enough to live on in retirement. Can you help us think through the next steps?I work with students, and I've offered to invest $4,000, allowing them to choose some stocks to learn how investing works. Since I'll keep the money but let them make the decisions, what's the best way to buy individual stocks for this kind of project?My daughter's credit score is around 625, and she's committed to improving it. My score is over 800, and I've heard that adding her as an authorized user on my credit card could help her. Can you explain how that works and whether it could affect either of our credit scores?I feel completely lost when it comes to finances, but I want to set my family up for success. Can you recommend a reliable resource or starting point for learning the basics of managing money wisely?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceFidelity | Charles Schwab | Robinhood | Public | Stash | SoFi InvestYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Billboards at $0.75 CPM. Streaming TV you can actually measure. Tim Rowe breaks down how to blend OOH + CTV to drop blended CAC, spark geo-lift, and build “living-room” brand equity—without massive budgets.Streaming has turned TV into a performance channel you can buy, cap, and measure like digital—often at CPMs rivaling or beating social. Tim explains how their ad server + pixel connect living-room exposure to down-funnel actions, with many brands seeing $3–$4 cost per visit and 3–4× higher conversion vs other traffic sources. On OOH, the overlooked arbitrage is static or digital boards priced like real estate: win by buying the biggest formats in the largest markets at the lowest biddable entry price, then engineer earned media (social virality) and geo-lift. Start with ~$5k for a real CTV test (smaller tests can still work as an add-on), measure blended CAC, branded search, and market-level lift, and let creative—not hyper-granular targeting—do the heavy lifting.GuestWebsite: https://cognitionads.com/LinkedIn: https://www.linkedin.com/in/troweactualX (Twitter): https://x.com/oohinsiderTim's newsletter/resource hub: https://stateofstreaming.com/What You'll LearnWhy streaming made TV relevant again—and cheap ($1–$2 CPMs in some geos).How to attribute TV exposure → search → site visit → purchase within a 48-hour view-through window.The out-of-home (OOH) arbitrage: buying big signs in big markets for sub-$1 CPMs.How OOH + CTV lower blended CAC and lift branded search in target geographies.Practical first tests: budgets, pixels, frequency caps, creative, and geo measurement.Event playbooks: digital billboard trucks, rideshare screens, street teams, and QR flows.Targeting reality: on CTV, less targeting often wins—use creative as the filter.Retargeting on TV (yes): pixel site traffic and follow with CTV/audio/display.Timestamps & Chapters00:00 — Why TV is “back”: streaming CPMs and geo-targeted buys01:30 — Direct attribution: 48-hour view-through from TV → search → site → purchase03:45 — OOH primer: static vs digital, programmatic buys, and PMP tips06:05 — The arbitrage: big boards, big markets, tiny CPMs (often

With years of experience helping businesses in the trades sector, Jason shares how CEO Warrior guides business owners, from technicians just starting out, to established pros, through the often-daunting world of financial clarity and pricing. Matt and Jason unpack practical strategies for setting realistic budgets, analyzing your P&L, overcoming marketing and conversion obstacles, and planning for growth without losing your footing.⏱️ Timestamps:00:00 CEO Warrior's 10-Year Milestone06:05 Profitability Mindset in Business08:56 Budget as Road Map Strategy12:10 Breaking Down Big Goals13:00 Improving Conversion Without More Ads17:05 "Engagement Beyond the Initial Service"20:37 Chart of Accounts: Four Key Buckets25:00 "P&L and Balance Sheet Setup"28:28 Accounting for Loan Payments Insight29:30 "Profit First Methodology Insights"32:18 "Annual Budget Tracking Process"38:28 Seasonal HVAC and Service Strategy39:59 Seasonal HVAC Offer Strategies42:19 Overlooked Opportunities in Business Growth45:33 Open CEO Warrior Event Invitation Don't let your business fall behind—explore the power of AI with Tradie Hub. Visit tradiehub.net to see the innovative AI tools crafted just for tradies. Discover how you can stay ahead and transform your business with cutting-edge technology!

Hannah Selinger is a James Beard-nominated lifestyle writer and journalist based in Massachusetts. Hannah attended the French Culinary Institute and started working in the restaurants around 2002 in NYC. She worked for some very big names, such as David Chang. In addition to promoting her new book, a memoir titled Cellar Rat: My Life in the Restaurant Underbelly, she is also promoting restaurant workers' rights in the modern age.  Hannah asked that you use this link to purchase her book. Come hang with Hannah and me on 10/20/25 at 11 AM EST: https://zoom.us/j/6508205412 Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: US Foods®. Make running your foodservice operation easier and more efficient with solutions from US Foods®. Utilize a suite of digital tools, like the all-in-one foodservice app MOXē®, and enjoy exclusive access to quality Exclusive Brands products. Learn how partnering with US Foods helps you get more out of your business by visiting www.usfoods.com/expectmore   Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Website: https://www.hannahselinger.net/ Get her book here! Thanks for listening! Rate the podcast, subscribe, and share! 

What if financial freedom after divorce wasn't about sacrifice, but about clarity, control, and confidence? In this episode of The Moving On Method® Podcast, Michelle Dempsey-Multack and Sylvia Guinan, a Certified Divorce Financial Analyst at Wells Fargo Advisors, unpack what it truly means to thrive financially after separation. From redefining your relationship with money to creating stability for your children, this conversation offers a practical and empowering roadmap for starting over with confidence and calm. What You'll Learn: How to create a post-divorce budget that reflects your real life, not your fears The mindset shift from restriction to empowerment when managing money Why self-care is a financial priority, not an indulgence How to talk to your children about money in a way that builds healthy financial awareness The most common financial red flags newly divorced women face, and how to avoid them Episode Highlights: 00:00 – Michelle and Sylvia open up about the emotional side of financial recovery 04:10 – Building your first post-divorce budget with confidence and clarity 09:35 – The emotional psychology behind spending and scarcity 14:20 – Prioritizing your essentials: home, health, and self-care 20:15 – Teaching your children healthy financial habits without fear 25:30 – Avoiding the top financial red flags after divorce 29:00 – How to rebuild peace, confidence, and control through budgeting 32:15 – Final reflections: clarity as the foundation of calm Meet the Guest Sylvia Guinan is a Certified Divorce Financial Analyst (CDFA) at Wells Fargo Advisors, helping women transition from financial uncertainty to clarity and control. With deep expertise in post-divorce planning, she guides clients through budgeting, investment strategy, and long-term wealth preservation, empowering them to thrive independently. Tools, Frameworks, or Strategies Mentioned: The Post-Divorce Budget Framework: a two-column model for “Current Lifestyle” vs. “Retirement from Marriage” Financial Boundary Method: redefining budgets as boundaries, not punishments The Self-Care Allocation Principle: how emotional well-being directly impacts financial health Money Mindset Reset: shifting from scarcity to stability Closing Insight: “A budget isn't a burden, it's your blueprint for freedom.” — Michelle Dempsey-Multack Every financial decision after divorce is an opportunity to rewrite your story. This episode reminds listeners that true wealth isn't just measured in dollars, it's in the peace of knowing you're in control of your future. Explore "Money & Moving On," our new guide to financial freedom after divorce: https://bit.ly/MoneyMoveYouTube Join The Moving On Collective! A safe, judgment-free support group experience for divorced and divorcing parents: https://bit.ly/MichelleCommunity Subscribe to our YouTube Channel: https://www.youtube.com/@TheMichelleDempsey Website - https://michelledempsey.com/ Facebook - https://www.facebook.com/michelle645 TikTok - https://www.tiktok.com/@themichelledempsey1 LinkedIn: https://www.linkedin.com/in/mldempsey/ Link to Transcript: https://transcripts/moving-on-method-ep268-divorce-financial-recovery-and-budgeting Learn more about your ad choices. Visit megaphone.fm/adchoices

Budgeting is simple on paper, but we don't live on paper. We live in a chaotic, volatile, and ever-changing world. In today's episode, host Travis Shelton discusses how best to live in a budget when the real world decides not to cooperate with our best laid plans. It's not easy, but it is simple. Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to the Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/gB07Ef Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Facebook: https://www.facebook.com/travissheltonco/YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQTikTok: https://www.tiktok.com/@meaning_over_money

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection?Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.”Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.Why You Need to Talk About Money—IntentionallyMany couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens.On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully?That's the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable.Turning Financial Talks Into DatesThese aren't meant for finger-pointing but for course correction—a time to realign your financial goals with your values.But also, why not make it a date? Dating can be a lot of fun if you're intentional. So why not combine something enjoyable with something that's often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful.The key is consistency. Whether it's over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust.Money Date #1: Share Your Money StoryEvery person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences.Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today.Take your spouse out for dinner and share those stories. You'll gain empathy and understanding for each other's perspectives. When you know your partner's money story, their spending or saving habits make a lot more sense.Try this: Ask each other, “What's your earliest memory of money?” The answers may surprise you—and bring you closer.Money Date #2: Give TogetherGenerosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey:Set a giving goal. Track your progress as a family and celebrate milestones together.Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about.Create a stretch goal. As your income grows, commit to increasing your giving percentage over time.These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact.Money Date #3: Cook the BooksThis one's both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm:Who tracks expenses?What budgeting tools or apps will you use?How often will you review spending?The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center.Money Date #4: Check Your Credit (at the Spa!)Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It's relaxing—and you can often find affordable day passes.While you unwind, discuss:How much debt do you currently carry?How did your family handle debt growing up?What boundaries would you like to establish regarding credit use?This isn't about blame. It's about caring for each other and agreeing on a plan that both of you believe in.Money Date #5: Number Your DaysThis one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Couples should view estate planning as an act of love. When you prepare a will, name a guardian, or establish a power of attorney, you're doing something deeply selfless—caring for others even after you're gone.Spend a date identifying:Who will serve as executor or guardian for your children?How do you want your assets used to bless others?What legacy of faith and generosity do you want to leave behind?Growing Together Through Financial StewardshipMoney dates are about far more than numbers. They're about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity.When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God.———————————————————————————————————————Dr. Enete's full article, “Six Great Money Dates,” appears in the latest issue of Faithful Steward magazine—available to all FaithFi Partners.When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:I'm a single mom, 31 years old, raising my 5-year-old son without any child support. I've managed to save about $42,000 in a separate account, but now I'd like to start investing that money for his future. I want something safe and low-risk—something that will be there for him when he needs it. What would you recommend?My 27-year-old daughter has a traditional 401(k) from her previous job here in the U.S., but she's now working overseas. She's planning to roll her 401(k) into an IRA with Fidelity. Since she's still young and making this move, would this be a good time to consider one of those backdoor Roth conversions you've discussed before?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I'm sharing my experience working with CKF on our kitchen remodel — from finding them through a random video to working with a designer and walking through the showroom. I'll talk about how we kept our remodel realistic, stayed on budget, and made smart design choices. What You'll Learn: What it's like working with CKF How to balance design dreams with a realistic budget Why “needs vs. wants” matter in any remodel Tips for spending wisely on home projects Blog Post: https://www.mycreativedays.com/affordable-kitchen-cabinets-and-countertops-our-flip-house-makeover-with-ckf YouTube Channel: youtube.com/@mycreativedays CKF Website: https://www.ckfco.com/ _________________________________________________________________ Special Offer Alert! The Academy is now $200 OFF — that means you can join today for just $79! Don't miss this chance to access all the tools, strategies, and resources you need at an unbeatable price. Sign Up HERE: https://learn.mycreativedays.com/academy _________________________________________________________________ Links: Dixie Belle Silk All-In-One Mineral Paint: https://bit.ly/3HReHEh Use code Mycreativedays10 at Luminara candles: https://bit.ly/4jZoSUq Use code Mycreativedays10 at Surf Prep Sanding: https://www.surfprepsanding.com?aff=42 _________________________________________________________________ Do you love decorating your home but have a small budget? My Creative Days shares creative ways to upcycle, repurpose, and DIY your way to a beautiful home on a budget. New video content is released every Wednesday and Friday, and shorts are delivered every day. Hit the SUBSCRIBE button and click the bell to be notified when new videos are launched! Thank you for sharing my channel with your family and friends. _________________________________________________________________ New to My Creative Days? Learn more about MCD here: https://www.mycreativedays.com/ Listen to the podcast: https://learn.mycreativedays.com/podcasts/my-creative-days Pin with me: https://www.pinterest.com/mycre8tivedays/ Join me on Instagram: https://www.instagram.com/mycreativedays/ Join me on FB: https://www.facebook.com/mycreative.days Grab MY FREE Guide - Thrifting For Your Home: https://learn.mycreativedays.com/newsletter Grab MY FREE E-Book: The Struggles of Furniture Flippers and How to Overcome Them: https://learn.mycreativedays.com/furniture-flipping-newsletter Want to learn how to flip furniture successfully and for profit? I created The Furniture Flipping Academy for you! Learn more here: https://learn.mycreativedays.com/academy Find more creative content to inspire you here: https://learn.mycreativedays.com/links ______________________________________________________________ Disclosure Statement: These links contain affiliate links. I will receive a commission for items purchased through these links at no extra cost. I appreciate your support. Please read all labels and follow all manufacturer safety recommendations when working with paints, stains, and other equipment, and wear and use appropriate personal protection equipment. Viewers should attempt these projects at their own risk. ______________________________________________________________

This week's questions: Ways to build smarter budgets, earn extra money outside the 9-to-5, tackle those hefty annual credit card fees, and a pro tip for anyone struggling with medical debt. Hosted on Acast. See acast.com/privacy for more information.

Mike Milligan is a Certified Financial Planner, Adjunct Professor, host of “One of a Kind” Financial Show, author, husband and father. Check out Mike's “The One of a Kind Financial Plan”, the coaching program for financial pros and the course “Personal Financial Planning”.   Discount code to get $50 off for the PFP course with the code “ODU 50”. www.mikemilligan.com 0.00:    A little about Mike's background 5.00:    Biggest mistakes people make (lack of tax planning) 13.00:  Why you should buy your home now 17.00:  Budgeting for the future (pay yourself first) 25.00:  Being an adaptable in the AI world 32.00:  Investing in companies you believe 37.00:  Building financial discipline 44.00:  Bitcoin is investing in freedom 52.00:  Being in the “profit with purpose” business (not just profit) 58.00:  Capital is still flowing into the US with the depreciating dollar 1.01.00:  Advice for new fathers   Until next time, love and good vibes.  Podcast Website: https://enterthelionheart.com/ Check out the latest episode here: Apple Podcast: https://podcasts.apple.com/us/podcast/enter-the-lionheart/id1554904704 Spotify: https://open.spotify.com/show/4tD7VvMUvnOgChoNYShbcI

Money is never just about dollars and cents. It's a window into our hearts, a test of our faith, and even a testimony to the world.Few people have taught that truth more faithfully than Ron Blue. Today, he'll share lessons from his own journey—from Wall Street to biblical stewardship—and explain how our approach to finances transforms us and our relationships with others.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.From Wall Street to Biblical WisdomRon began his career on Wall Street, later founding his own accounting firm and advising countless entrepreneurs and professionals. But everything changed when he became a Christian and encountered the teachings of Larry Burkett and Howard Dayton. He came to realize that everything that worked in the financial world had its roots in biblical wisdom.For more than forty years, he's witnessed God's redemptive work through money—seeing firsthand how financial decisions reveal the heart and become a powerful entry point for spiritual growth.As the late Billy Graham once said, “When you get your attitude about money right, the rest of life tends to fall into place.”Money Reveals the HeartRon often quotes Larry Burkett's insight that how we handle money is one of the clearest indicators of our spiritual life.Every purchase, every act of giving, every financial habit reflects what—and whom—we trust most.The first and most foundational lesson Ron has seen believers embrace is this: God owns everything.Once that truth takes root, everything changes. We move from ownership to stewardship, from anxiety to contentment, from control to trust. Those who live as stewards tend to develop an eternal perspective—knowing where their true security lies.When couples discuss money openly within that framework, communication strengthens and unity deepens. Money becomes not a barrier but a bridge to a deeper connection.Learning How Much Is “Enough”One of Ron's signature teachings centers on answering the question: How much is enough?Defining financial “finish lines” for lifestyle and accumulation frees believers from endless striving. It helps them determine when to give more, save less, and live joyfully within God's provision. From a worldly view, enough is never enough—but from God's view, it is both possible and freeing.When we truly believe that God owns everything, our financial goals shift. We seek margin—the space to give, serve, and respond to God's call.Money itself isn't the goal—it's a tool to accomplish God's purposes. Whether it's how we educate our children, give to ministry, or plan for the future, the question becomes: How can these resources advance God's Kingdom?When people look at us, they shouldn't see someone better, but someone different—different priorities, values, and goals.When Couples Don't See Eye to EyeNot every couple starts on the same page financially. Ron has seen how honoring the marriage covenant sometimes means yielding financial preferences for the sake of peace and witness. In one case, advising a believing wife to honor her unbelieving husband's wishes about tithing led to that husband's eventual openness to Christ.Even in his own marriage, Ron and his wife, Judy, have relied on third-party counsel to strengthen their communication—reminding couples that it's not their money, but God's money.Money as a Test and a TestimonyFor Ron, money serves three purposes: it's a tool, a test, and a testimony. God often uses money to build our faith because it serves as a test of our trust. But it's also a testimony. Contentment, generosity, and peace in financial life point the world to the sufficiency of Christ. In a culture driven by comparison and consumption, a believer who lives joyfully and contentedly becomes a living witness of God's faithfulness.If we can demonstrate contentment, confidence, peace, and joy, the world will notice—and wonder why. Money even becomes a testimony to the next generation as children watch their parents live open-handedly and find joy in biblical stewardship.When you view money as God's tool, test, and testimony, it reshapes not just your finances—but your faith, marriage, and legacy.Money is a great servant but a terrible master. When we surrender ownership to God, we discover the true freedom of stewardship—peace, purpose, and joy that outlast every market cycle.On Today's Program, Rob Answers Listener Questions:I'm 59 and planning to retire next year. My wife is already retired, and thankfully, our home and vehicles are paid off. We also have a few rental properties that are nearly paid for. My question is—when should I start taking Social Security? And regarding our pensions and investments, should I consider rolling them out of our company plans into something else?My son is thinking about filing for bankruptcy. He has quite a bit of debt—not just credit cards—and I'm worried about what bankruptcy would do to his credit and how long it would take him to rebuild. He hopes to buy a home in the near future. What are his options to avoid bankruptcy, and if he does file, how can he begin to recover his credit?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode is sponsored by Cozy Earth, our go-to for buttery-soft, temperature-regulating bamboo sheets and loungewear that actually lasts. Cozy Earth products are made from responsibly sourced materials that keep you cool, cozy, and comfortable through pregnancy, postpartum, and all the snuggly moments in between. Use code HEHE for an exclusive discount at cozyearth.com and treat yourself to the comfort you deserve. In this episode of The Birth Lounge Podcast, HeHe dives into one of the most overlooked parts of preparing for parenthood, financial stability. While the world loves to scare you about “big babies” and sell you all the baby gear under the sun, HeHe and her guest, Dan Brigham (aka Budgeters Anonymous), are here to help you focus on what actually matters: building a strong financial foundation for your growing family. Together, they unpack the sneaky expenses new parents often overlook, smart budgeting strategies that actually work, and how intentional planning can bring more peace and less panic to your postpartum season. Dan shares his journey of overcoming debt, creating financial freedom, and shifting the mindset from “surviving” to thriving. They also get real about emergency funds, 529 plans, IRAs for kids, and how to get on the same financial page with your partner. This is the money talk every parent needs: judgment-free, empowering, and designed to help you build the future your family deserves. PSA for all my mamas worried about “big baby” talk: Our brand new course — Pushing Out Your Big A** Baby is officially live and in pre-sale until November 1! This class busts through every scare tactic, lays out the real evidence, and gives you the exact tools to advocate for yourself with confidence (no matter how big your baby is). Grab your spot at thebirthlounge.com/bigbaby 00:00 Introduction: Financial Stability for New Parents 00:49 The Myth of the Big Baby 01:31 Understanding Macrosomia and Birth Advocacy 03:05 Introducing the New Course: Pushing Out Your Big Ass Baby 03:27 Pre-Sale Announcement and Course Details 05:01 Budgeting for a Baby: An Essential Guide 05:45 Meet Dan Brigham: Budgeting Expert 08:25 Defining Financial Responsibility 12:22 Good Debt vs. Bad Debt 15:52 Intentional Spending and Budgeting Frameworks 23:34 Making a Baby Budget: Practical Tips 32:33 The Reality of Social Media and Financial Comparisons 35:31 No Spend Weekends: Finding Purpose Beyond Money 38:10 Nesting Instincts and Cozy Earth 41:06 Budgeting for a Baby 44:03 Emergency Funds and Financial Priorities 47:15 Setting Up Financial Accounts for Your Child 51:45 Tracking Expenses and Budgeting Tools 58:59 Mindsets for Financial Success 01:06:57 Final Thoughts and Key Takeaways   Guest Bio: Dan is the founder of Budgeters Anonymous and has free resources on his website. Dan's focus is Faith, Fitness, Family and Finance.  INSTAGRAM: Connect with HeHe on IG  Connect with Dan on IG    BIRTH EDUCATION: Join The Birth Lounge here for judgment-free childbirth education that prepares you for an informed birth and how to confidently navigate hospital policy to have a trauma-free labor experience!   Download The Birth Lounge App for birth & postpartum prep delivered straight to your phone!   LINKS MENTIONED: Find Dan here: budgetersanonymous.com

Sean Willard has two decades of hospitality experience. He started in the business in his teens in a steakhouse and quickly moved through nearly all positions (FOH and BOH) until he landed at menu engineering. He then attended Cornell University's School of hotel Administration where he was taught by Stephani Robson (past guest many times over!). You can find Sean these days at https://www.menuengineers.com/ Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. US Foods®. Make running your foodservice operation easier and more efficient with solutions from US Foods®. Utilize a suite of digital tools, like the all-in-one foodservice app MOXē®, and enjoy exclusive access to quality Exclusive Brands products. Learn how partnering with US Foods helps you get more out of your business by visiting www.usfoods.com/expectmore   Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more.  Let's make 2025 the year your restaurant thrives. Guest contact info:  Website: https://www.menuengineers.com/ Thanks for listening! Rate the podcast, subscribe, and share! 

What if you didn't have to wait until your 60s to experience the freedom of retirement? In this episode, we sit down with Jillian Johnsrud, author of Retire Often and host of the Retire Often Podcast, to explore the life-changing concept of “mini retirements.” Jillian shares how families can take extended breaks from work — to rest, travel, or explore new goals — without derailing their financial independence journey. We discuss the emotional and financial benefits of pausing your career, how to negotiate time off with your employer, and ways to plan mini retirements with kids. If you're feeling burned out or stuck in the grind, this episode will inspire you to design more space, adventure, and joy into your family's financial plan. RESOURCES⁠Sponsors, Deals, and Partners that Support the Show Sponsors, Deals & Partners – See all current offers in one place. MKM RESOURCES Own Your Time – Pre-order my first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. YouTube – Subscribe for free to watch videos of episodes and interviews. RECOMMENDED RESOURCES (SPONSORS & AFFILIATES) Monarch Money – Best budget app for families & couples. Empower – Free portfolio tracker. Crew – HYSA banking built for families (Get an extra 0.5% APY with my partner link). Ethos – Affordable term life insurance. Trust & Will – Convenient estate planning made easy. GUEST RESOURCES Retire Often (Book) – Learn how to design a life filled with mini retirements. RetireOften.com – Explore Jillian's podcast, blog, and mini retirement tools. Podcast Chapters 00:00 – Intro 01:00 – What is a mini retirement and why it's trending 02:20 – Why burnout is pushing families toward mini retirements 03:00 – Is the traditional 40-year career model dead? 04:30 – Why employers may welcome your mini retirement 06:00 – How to negotiate a one-month break from work 08:10 – How to address employer concerns with solutions 09:30 – Budgeting for a mini retirement 10:05 – Real-life example: living abroad for the cost of childcare 11:10 – Emotional recovery and resetting after burnout 12:45 – Planning affordable breaks earlier in your financial journey 14:00 – Jillian's personal mini retirement story 15:00 – Making the most of parental leave and family bonding time 16:30 – Negotiating flexible work or part-time transitions 18:00 – Exit negotiations: how to leave your job on your terms 20:20 – Creating part-time roles and consulting opportunities 22:20 – What is a family gap year and how to plan one 23:40 – Practicing travel and flexibility with kids 25:30 – The FI dilemma: does taking time off derail your goals? 27:00 – Why mini retirements can accelerate your financial growth 28:50 – Mini retirements as wealth-building opportunities 30:00 – About Jillian's book Retire Often 31:00 – Final thoughts and where to learn more HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices