Podcasts about budgeting

Building long-term wealth through real estate is the ultimate goal, but jumping into rentals too early can actually bankrupt your wholesaling business. In this Throwback Thursday episode, Brent Daniels is joined by Evernest's Spencer Sutton to discuss the exact moment an active wholesaler should transition into a passive buy-and-hold investor. Spencer breaks down the harsh realities of property management, sharing a painful eviction story that highlights why the resident, not the house, is your true asset. You will learn the exact cash reserves you need before buying your first rental, how to accurately calculate maintenance and CapEx, and why you should never hold a property you wouldn't otherwise buy. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(0:51) Meet Spencer Sutton and Evernest's 20,000 door operation(4:32) Transitioning from active wholesaling to passive holding(10:05) Why you must master property management yourself first(12:18) The hidden costs of rushing your tenant screening process(16:18) The resident is the asset, not the house(18:41) Brent's $300,000 cash reserve rule for new landlords(23:52) Should you buy now or wait for a market crash, mindset(25:41) Accurately estimating maintenance costs based on home age(29:05) Budgeting 10% to 15% of gross rent for upkeep and CapEx----------Resources:EvernestHomeVestorsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

If rising prices have you blaming inflation for everything, it may be worth looking at the spending habits that have become normal. Our favorite Bookkeeping Mensch, Paul Rosenblum, looks at the difference between expenses we can't control and the choices that still belong to us. Ultimately, affordability includes how we decide what we need, want, and can actually afford.With convenience making it easier than ever to spend without thinking much about it, Paul looks at where everyday choices can start stretching a budget too far. From credit cards to routine purchases that no longer feel optional, he brings the conversation back to one simple question: does your spending actually fit the money you have? It's a timely reminder to look at those habits now, before they become even harder to change.Episode mentioned:S9E8: The Hidden Bookkeeping Money Decisions You Make Every Dayhttps://pod.link/1688000860/episode/QnV6enNwcm91dC0xOTMzNDg0OASend us Fan MailSupport the showAbout the hostPaul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

*This Episode was originally published on 06/10/2019. Jamie Dunlop serves as an associate pastor at Capitol Hill Baptist Church in Washington, DC, overseeing administration and adult education as well as several The post The Pastor and Church Budgeting appeared first on Preaching and Preachers Institute.

Today I'm sharing more about the common mistakes and pitfalls that can derail a well-planned retirement, pulled entirely from my own extensive experience. I have over 16 years of experience helping people over 50 prepare for life after work, and I want to point out specific problem areas—like underestimating expenses, ignoring inflation, and locking money into illiquid investments—that often catch retirees off guard. Detailed planning is paramount, including anticipating big-ticket expenses and staying flexible as life unfolds.    You will want to hear this episode if you are interested in...   06:18 Common retirement planning mistakes 13:22 Planning for your future expenses 17:28 Understanding your investments fully 20:51 Managing retirement savings and living costs 27:14 Understanding Net vs. Gross Income 28:32 Budgeting and expenses in retirement 33:53 Annuity and IRA withdrawal rules 34:53 The importance of consulting a tax advisor Building a Realistic Retirement Plan Beyond Basic Assumptions   It's so dangerous to rely on oversimplified rules of thumb when estimating your retirement needs. So many people approach retirement thinking a set withdrawal rate—such as 4% or 5% of their savings—will meet all of their needs. But this doesn't account for large, non-recurring expenses such as home repairs, new vehicles, or family emergencies. These can dramatically throw off a budget if not planned for. A solid retirement plan should include line items for these bigger, less frequent costs, as well as routine expenses like property taxes and healthcare. The more specific and comprehensive the plan, the better prepared you'll be to weather life's inevitable curveballs. Don't Let Your Purchasing Power Erode   Ignoring inflation during retirement planning is a huge mistake. Costs for essentials—healthcare, housing, groceries, and basic services—historically trend upward, rarely decreasing. I discuss scenarios in which static sources of income, such as most pensions, fail to keep pace with the rising cost of living, forcing retirees to draw more heavily on their savings each year. To maintain financial security, retirement plans need to account for future rises in living expenses by ensuring income—whether from Social Security, investments, or part-time work—increases at a pace that matches or exceeds inflation. Understanding and Managing Real Retirement Spending   One of the most common ways retirees get into trouble is by misjudging their actual spending needs. You need honest, detailed budgeting and regular reviews of your spending. Many overestimate how much they'll save by cutting work-related expenses, only to find themselves spending the same—or more—on travel, hobbies, or family. A realistic retirement budget accounts for variability, includes a buffer for the unexpected, and distinguishes between gross and net income and spending. Accurately understanding your own and your spouse's spending tendencies can prevent unpleasant surprises and the fear of running out of money down the line.   Staying Intentional for Long-Term Security   Regularly revisiting your plan, being honest about your habits and needs, and getting expert advice before big moves can keep your retirement path steady, even when life throws you the occasional curveball. You can dream big—but plan with clarity, detail, and flexibility to safeguard your future.   Resources & People Mentioned   3 Steps to Retirement Planning Retirement Planning Fidelity Investments    Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

Send us Fan MailEvery purchase you make is a vote. The trouble is, most of us never stop to ask who we're voting for when we're just trying to grab a backpack, refill the soap, and get the birthday gift in the mail on time.In this episode, we have Erin Fangmann and Kate Marsh Lord, the co-founders of Little Blue Cart, a platform that connects conscious consumers with values-driven small businesses. Inspired by a conversation after the 2024 election, they built Little Blue Cart around their kitchen table with a mission to make it easier for people to support small businesses that reflect their values of democracy, equality, and freedom.As military spouses with more than 30 years of combined experience as small business owners, Kate and Erin understand the resilience, creativity, and determination it takes to build a business through constant change. Building on that mission, they recently launched Little Blue Market, an online marketplace where small businesses can sell directly to shoppers. Together, Little Blue Cart and Little Blue Market help independent businesses grow while empowering consumers to make a meaningful impact through their everyday purchasing decisions.What does it mean to vote with your money? Every purchase is a decision about whose values you are funding. When you spend, you are choosing which businesses and which principles get your dollars, so where your money goes ends up being a clear reflection of what actually matters to you.How do you start ‘shopping your values' without feeling overwhelmed? Start with one thing. No one expects perfection tomorrow, and it is not realistic to swap 100 percent of your spending overnight. The next time you are buying a birthday gift or back-to-school supplies, pick one purchase to make intentionally and get it from a small or local business. Once you think intentionally about one purchase, it starts to become a habit for the next.Does shopping your values actually cost more money? Not necessarily, and that is one of the biggest misconceptions. Some sellers offer free shipping once you hit a certain amount, and while a values-aligned marketplace is not built like the giant platforms, the idea that spending with your values always costs more simply is not true.Why does it matter where you shop, not just what you buy? 68 cents of every dollar you spend locally stays in your community and goes toward things like your schools and local resources. On top of that, small businesses keep a far bigger share of each sale than they do on the big platforms, so who you buy from changes how much of your money actually reaches real people.What is the difference between Little Blue Cart and Little Blue Market? Little Blue Cart is a directory of progressive, values-aligned small businesses, both product-based and service-based, that works like a searchable yellow pages you can sort by category or by state. Little Blue Market lets you shop those small product-based businesses directly, all in one place.How do businesses get listed on Little Blue Cart? Little Blue Cart is completely free to join. Businesses fill out an application, agree to the community guidelines and value statement, and go through a quick vetting process. There are optional one-time add-ons for linking socials or featuring a listing, but a free listing gets just as much love and attention.Join us for the next Money Talks “Aligning Spending with your Values”. Click here to register for FREE and bring your questions!  Follow & connect with Little Blue Cart:Little Blue Cart Little Blue Market InstagramFacebookThreadsTikTokWant to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

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

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

In this episode of FP&A Unlocked, host Paul Barnhurst is joined by Zach Rial and Chris Ortega, alongside co-host Glenn Snyder, to discuss budgeting and forecasting best practices. The conversation explores how finance teams should think about the purpose of budgeting, balancing control with agility, involving the business in the planning process, and using forecasting as a tool for better decision-making.Zach Rial is a finance leader at AskElephant, a startup focused on revenue and conversation intelligence. He brings experience as an operator who uses finance, FP&A, and business insights to help companies grow and improve decision-making. Chris Ortega is the CEO of Fresh FP&A, a global fractional CFO and advisory firm supporting small and medium-sized businesses. Chris has over 20 years of experience in accounting, finance, and leadership roles, helping organizations build, scale, and prepare for growth.Expect to Learn:The real purpose of budgeting and forecastingHow to create a business-focused planning processWhy trust and partnership are essential for FP&A teamsHow to balance budget discipline with flexibilityBest practices for managing AI costs and governanceHere are a few relevant quotes from the episode:“A budget is the direction of where you want to go, but things change so much in a business.” - Chris Ortega“The budget process should not be a finance exercise. It's an organizational exercise.” - Glenn SnyderEffective budgeting is not about predicting the future perfectly, it is about creating alignment, understanding business drivers, and enabling better decisions. The strongest FP&A teams use budgets and forecasts as tools to guide the business, build trust, and help leaders navigate uncertainty.Follow Zach:LinkedIn: https://www.linkedin.com/in/zacharyrial/Follow Chris:LinkedIn: https://www.linkedin.com/in/freshcfo/Follow Glenn:LinkedIn: https://www.linkedin.com/in/glenntsnyder/Disclosure: Portions of this episode (such as the introduction or promotional segments) use AI-generated voice narration produced under human editorial review.Earn Your CPE CreditFor CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, answer a few questions, and earn your CPE certification. To earn education credits for the FPAC Certificate, take the quiz on earmark and contact Paul Barnhurst for further details.In Today's Episode:[00:00] - Introduction[06:20] - The Purpose of Budgeting[12:26] - Making Budgeting a Business Process[17:24] - Building a Better Planning Approach[26:51] - Practical Budgeting and Forecasting Tips[37:44] - Building Trust With Business Partners[44:35] - Managing AI Costs and Governance[54:18] - Balancing Budget Control and Agility[58:35] - Final Advice

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

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

Do you struggle getting purchases approved? Jill and Jon Liesmaki, Sr. Director of EHS at Apogee Enterprises, tackle one of the most overlooked skills in the EHS profession: budgeting. Drawing on real-world experiences and audience questions from their recent EHS Budget Playbook webinar, they discuss how safety professionals can make a stronger business case for funding, build relationships with finance and operations leaders, demonstrate ROI, navigate rejected requests, and find creative ways to secure resources for safety initiatives. Whether you're managing a large budget or trying to get your first safety project approved, this conversation offers practical strategies for turning safety needs into budget wins.The EHS Budget Playbook on-demand webinar, presentation slides, EHS Investment Justification Toolkit, Accounting 101 Terms, and more FREE resources.

Slack went viral without spending on ads. Dropbox grew 3,900% without a marketing team. Every founder knows these stories. What most don't know is what was actually happening behind the scenes. This episode is about the marketing myth that is costing founders millions — and what the smartest ones actually do instead. Listen to this episode to learn:  The viral growth myth — why the most famous "organic" growth stories in startup history were actually the result of deliberate marketing investment Why the average UK startup exits for around $15 million while the average US startup exits for $61 million — and what marketing has to do with it A simple framework for figuring out exactly how much you should be spending to grow your business This episode is for you if: You are a founder who has been telling yourself your product will grow by itself You are raising money and want to know how to make the case for marketing budget to your investors You want a practical framework for thinking about growth — wherever you are in the world ⏰ Last chance: Book your free consulting session with Sophia The link closes on 1 September. After that, it is gone. If you want help figuring out your marketing strategy, your personal brand, or how to make the case for marketing budget to your investors or CFO — book your session now. [Book your session here — closes 1 September] Timestamps: 00:00 – The marketing myth costing founders millions 02:03 – Free consulting session deadline reminder 05:00 – Why US startups outspend European ones on marketing 08:45 – Why marketing is the riskiest job in the C-suite 11:30 – The truth behind Slack and Dropbox's "viral" growth 15:20 – Personal brand as capital-efficient marketing 17:00 – Budgeting for long enterprise sales cycles 19:30 – Marketing spend benchmarks by stage and sector 21:30 – How to calculate customer acquisition cost vs. lifetime value 22:30 – Final advice for founders, investors, and corporate innovators Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop an honest review on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Listen to our podcast on: Apple Spotify YouTube Audible Pandora Transcript: https://www.techfornontechies.co/blog/318-why-us-startups-beat-europeans-and-lessons-from-slack-and-dropbox

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

Hey Friend!   Budgeting is stressful enough let alone if you are unknowingly making it harder. That's just not fun. I want you to be in control of your finances and at peace instead of feeling like you have no money and living for the “next” paycheck.    Today's episode is going to open your eyes to 4 ways you could be making things harder on yourself. 4 mistakes that like to hide keeping you stuck, unable to break free from the paycheck to paycheck roller coaster and stopping you from what you really want to be doing with your money paying off debt and watching your savings grow.    So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to hop on a free 20 min financial coaching session to learn the steps it takes to stop living paycheck to paycheck so that you can have money to put away into savings every month and feel at peace and in control of your finances. Email me at mollybenell@gmail.com and let's see if Financial Coaching is right for you! . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

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

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

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

Mangere Budgeting Services Trust is seeing customers from working families unable to make their pay checks stretch to cover even their basic needs. Lara Dolan, chief executive of the trust, told John Campbell about the increasing demand for food support and the pressures on families.

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

Send us Fan MailMoving abroad after 30 is not the reckless, blow-up-your-whole-life fantasy everyone assumes it is. Done right, it might be one of the smartest money moves you ever make.In this episode, we have Cepee Tabibian. At the age of 35, Cepee upended her entire life by selling her belongings and moving to Europe and since then, has never looked back. Now, she teaches other women how to do it too, through her community-based business, She Hit Refresh: a global community of over 100,000 women age 30+ who want to move abroad.  She has even turned her overseas expertise into the digital book “I'm Outta Here! An American's Ultimate Visa Guide to Living in Europe” which was featured in Forbes (spoiler alert: it's easier than you think). She's the proud daughter of Colombian and Iranian immigrants and grew up in Houston, Texas before becoming an immigrant herself in Spain. We get into the real financials of moving abroad: the savings cushion you need before you go, the taxes nobody warns you about, the hidden costs, and the surprising expenses that actually disappear. Cepee also gets honest about safety as a woman living abroad alone, how to pick your country, why a scouting trip matters, and what financial freedom looks like once you finally build the life you want.How much money do I need saved before I move abroad?Minimum six to twelve months of your actual cost of living there, not what you spend in the US. Use Numbeo or Expatistan to get real numbers for the city you are considering before you set a savings goal.What do women forget to plan for financially?Taxes. The US taxes citizens on worldwide income no matter where they live. Get an expat tax professional before you go, not after. Health insurance is also required for most visas and runs roughly $80 to $500 a month depending on the country.What costs actually go away?Your car and everything that comes with it. Renters insurance is largely not a thing in Europe. And your overall cost of living often drops significantly, which is exactly why knowing your real numbers changes everything.How do you pick where to move?Take a scouting trip, not a vacation. Walk neighborhoods, meet a real estate agent, go to local meetups. Then filter through three things: is there a viable visa for you, does the culture match how you live, and does this place support your long-term goals.What is the first step in moving abroad if it feels overwhelming?Know your number. Research the real cost of living where you want to go and find the gap between that and your current income. That one number makes the whole thing feel like a plan. Then find community. Talking to women who have already done it changes everything.Cepee's closing line says it all: "you're never too old and it's never too late to hit refresh or to change your life."  The dream is real. The logistics are where most people get stuck. We're breaking down the actual financial moves you need to make before you relocate, so you land ready instead of scrambling. Join us for the next Money Talks “Your Move Abroad Financial Checklist: What to Do Before You Go”. Click here to register for FREE and bring your questions!  Ready to turn “someday” into an actual plan? Start with our financial checklist for moving abroad to think through your budget, healthcare, banking, Social Security, taxes, and the other financial decisions that come with the move.Already getting serious about the numbers? Read our U.S. taxes abroad guide for a deeper look at cross-border taxes, FBAR and foreign account reporting.Follow & connect with Cepee:Website Instagram @shehitrefreshCost of living research tools: Numbeo and ExpatistanI'm Outta Here! An American's Ultimate Visa Guide to Living in Europe Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

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

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

In this episode the STEAM Punks sit down with Carlos Vargas, VP of Community and Government Relations at Navigant Credit Union, to demystify personal finance and plan for the future. Carlos shares his journey growing up on the south side of Providence and explains how his personal mission is simply to "help the 5-year-old me" and support families like his own.Together, the youth dive into high-impact financial and life topics, including:Banks vs. Credit Unions: Why being a "member-owner" rather than a client changes how your money is protected and grown.Budgeting for the Unexpected: How to set up realistic savings buckets, including an emergency fund for unexpected expenses (like vet bills for your "sea cabbage"!).The Modern Career Landscape: A raw look at the pros and cons of choosing college versus skilled trades, and how to pick a path that is resilient to AI.Generational Reality Checks: Addressing "price shock" inflation, why the older generation's advice on buying houses doesn't always fit today's economic landscape, and the beauty of collective, multigenerational living.Addicted to Saving: Shifting mindsets away from consumerism to find excitement in watching your credit score and savings grow.Carlos also shares details about Navigant's fee-free "Embarked" account, designed specifically to give youth a head start with their finances. Tune in for an engaging, laugh-out-loud discussion that proves financial planning doesn't have to be boring, it's all about building strong community relationships first. #FinancialWellness #STEAMBoxPodcast #YouthEmpowerment #CreditUnionDifference #RhodeIsland #FinancialLiteracy #BudgetingTips #GenZFinance #CollegeVsTrades #CommunityConnections

Welcome to "Ahead in the Count," presented by BIP Wealth. Our Baseball Division combines their collegiate and professional baseball playing experience with financial acumen to provide expertise in life on and off the field. We aim to give ballplayers and their families a better understanding about their unique lifestyle, the opportunities that come from playing this game, and insight into the complex financial world. This is "Ahead in the Count," hosted by Nolan Alexander, from BIP Wealth. The 2026 MLB Draft class is officially getting paid. In this episode of Ahead in the Count, host Nolan Alexander sits down with former professional ballplayers and BIP Wealth advisors John Hester and Jeremy Hermida to break down exactly what happens when that first signing bonus payment lands in a rookie's bank account — and what smart, disciplined planning looks like in the weeks and months that follow. From signing bonus tax withholding rates to agent fees, off-season training expenses, and the classic "first phone call" about buying a new truck, this conversation is a practical playbook for first-year pro baseball players navigating the biggest financial moment of their young careers. Signing bonus tax withholding explained: why teams withhold 22% on amounts under $1 million and 37% on amounts over $1 million — and why that's not the same as what a player actually owes The gap between withholding and actual tax liability, which can run six figures depending on the player's total signing bonus Agent fees: the other major deduction that comes out almost immediately after a signing bonus payment Budgeting for the first pro off-season, including training facility costs, travel, and the difference between players living at home versus supporting themselves independently How high school draftees and college draftees approach their first bonus differently, including the impact of NIL earnings for college players The "first phone call" conversation — why buying a truck or car is often the first big financial decision a new pro makes, and how advisors help players make that decision responsibly Planning around the second bonus installment and the extended timeline to full tax resolution, which can stretch into the following year's April filing deadline Building long-term financial maturity so a signing bonus becomes a foundation for the future rather than a short-term windfall Subscribe, rate, and review on Apple Podcasts, Spotify, or wherever you listen. To get in touch with a member of today's show, visit bipwealth.com. CONTACT For more information: jhester@bipwealth.com, kschmidt@bipwealth.com, cmurray@bipwealth.com, jhermida@bipwealth.com Visit: BIPWealth.com

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

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

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

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

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

Send us Fan MailWhen we think about abuse, we picture bruises and broken doors. But there is a form of abuse that leaves no marks, traps 99% of survivors, and follows women long after they have left. Almost no one is talking about it, and it might be the biggest reason so many women feel like they can't get out.In this episode we sit down with Joleen Fuller and Heather Wiese. Joleen has called Portland home for more than 20 years. A Lewis & Clark College graduate, she has built her career around supporting survivors of domestic violence and trauma serving as an advocate, volunteer, and program coordinator to help individuals find safety, stability, and empowerment. Joleen currently serves as Director of Programs at FinAbility, where she champions survivors and fights for those too often pushed to the margins. Heather has been in the role of Family Services Advocate for the Shelter Stability Program at Raphael House since September 2020. She currently provides one-one-one advocacy, facilitates multiple support groups, and provides educational workshops for DV survivors and training workshops for fellow advocates. With over 22 years of experience working with families experiencing homelessness, Heather has worked in a wide range of roles including case management, program management, development, volunteer management, crisis intervention, and housing. Her primary passion in her work is economic empowerment and how to navigate complicated emotions surrounding personal finances while building skills and confidence towards financial health. Why do 99 percent of domestic violence survivors experience financial abuse?Because financial control is one of the most effective tools of power and control. It is not a side effect of abuse. It is a strategy. Keeping her broke, in debt, and financially dependent is exactly how an abuser makes sure she cannot leave.What are the three forms of financial abuse?Financial exploitation is identity theft, coerced debt, and accounts opened in her name without permission. Financial control is withholding her ID, monitoring every transaction, and keeping her on an impossible allowance. Financial sabotage is destroying her credit, her rental history, her job, and manipulating child support and legal systems after she leaves.Does the financial abuse stop when she leaves?Often it gets worse. Retaliation is immediate. Accounts get drained, money moves offshore, property gets destroyed. Child support evasion by switching jobs every few months is financial abuse that continues for years. Safety planning is not one and done. It is ongoing.Why are survivors more afraid to look at their credit report than they were to leave their abuser?Because the credit report is concrete evidence of everything that was done to them. It is an on-paper reminder every time they try to move forward. And for many survivors, the credit report is also a safety risk because soft pulls from housing or credit applications show their new location to anyone who knows how to look.What can a survivor do right now if she does not know where to start?One call. The National Domestic Violence Hotline. You do not need a plan. You just need to ask what resources exist near you. That call leads to the next one. The My Plan app is there for anyone who is not ready to pick up the phone.What do you need people who are not survivors to understand right now?The safety net survivors rely on is being cut. Support your local domestic violence shelter. Volunteer, donate, show up. And say it out loud: I believe survivors. In this moment those three words matter more than most people realize.Wherever you are on your journey, you are not alone, and there is help. Join us for next week's Money Talks, “Financial Recovery After Abuse: The Step-by-Step Path to Stability”. Leaving is just the beginning. For many survivors, the financial damage lasts years after the relationship ends. This session is about what comes next.  Click here to register for FREE and bring your questions! Follow & connect with Joleen & Heather:finability.org  and raphaelhouse.comInstagram: @finabilityus and  @raphaelhousepdx Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

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

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

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

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

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

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

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

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

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

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

Could dating be wasting your money?

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

“Know well the condition of your flocks, and give attention to your herds.” - Proverbs 27:23 Most of us no longer measure our wealth in flocks and herds, but the wisdom of Proverbs 27:23 remains just as relevant today: faithful stewardship requires attention. When we do not know what we have, where it is going, or what it is accomplishing, we cannot manage it wisely. That is where a budget can help. A budget is simply a plan for managing what God has entrusted to us. It is not intended to be a burden, a source of shame, or a rigid set of restrictions. It is a practical tool that helps us practice faithfulness. Begin With the Heart Biblical budgeting starts with the recognition that everything belongs to God. Our income, possessions, savings, spending, and giving have all been entrusted to our care. That means budgeting begins with a spiritual question before it becomes a financial exercise: Lord, how would You have me manage what You have provided? That question changes the purpose of a budget. We are not merely trying to make the numbers balance. We are asking whether our financial decisions reflect what we truly value. A budget can reveal where our money is drifting. Are our resources being absorbed by impulse, comfort, comparison, and accumulation? Or are they being directed toward generosity, provision, responsibility, and contentment? The goal is not simply greater financial control. It is greater faithfulness. Make Generosity Intentional Scripture never treats generosity as an afterthought. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” A budget allows us to give intentionally rather than reactively. Instead of waiting to see whether anything remains at the end of the month, we can prayerfully decide in advance how we want to support our church, ministries, neighbors, and others in need. Generosity should not be driven by guilt or compulsion. It should flow from gratitude for God's provision and a desire to participate in His work. Know Your True Income For those who receive a predictable paycheck, identifying monthly income may be relatively simple. A spending plan can be built around regular take-home pay. Variable income requires a little more care. Business owners, commission-based workers, freelancers, seasonal employees, and hourly workers may see their income fluctuate from month to month. In that situation, it is usually wise to build a budget around a conservative baseline. Review the previous six to 12 months and identify the lower-income periods. Then build your essential expenses around a realistic minimum—not your best month. When income is higher, decide beforehand how those additional dollars will be used. They might help you: Build savings Pay down debt Prepare for upcoming expenses Increase your generosity Without a plan, additional income can easily disappear into increased spending. With a plan, it can strengthen your financial foundation and expand your ability to serve others. Give Every Dollar a Job Giving every dollar a job does not mean spending every dollar. Saving is a job. Giving is a job. Paying bills is a job. Preparing for future expenses is a job. Your budget might include money for: Housing and utilities Food and transportation Debt repayment Emergency savings Retirement Insurance premiums Medical needs Car and home repairs School expenses Holidays and gifts The purpose is not unnecessary restriction. It is intentional direction. When every dollar has a purpose, your money is less likely to be consumed by whatever feels most urgent in the moment. Prepare for Irregular Expenses Many budgets fail because they account only for monthly bills. But real life includes expenses that do not arrive every month. Car maintenance, home repairs, annual subscriptions, insurance premiums, travel, gifts, school costs, medical expenses, and Christmas can all place pressure on a spending plan. These expenses are not true emergencies when we know they are coming. A wise budget sets aside smaller amounts throughout the year. Saving a little each month can turn a large, disruptive expense into a manageable one. Planning ahead does not mean we can predict everything. It simply means we prepare for what we reasonably can and trust God with what we cannot foresee. Build Financial Margin Margin is the space between what comes in and what goes out. Without margin, even a relatively small disruption can create stress or lead to additional debt. With margin, we are better prepared to respond wisely when needs and opportunities arise. Margin also makes generosity possible. Ephesians 4:28 instructs believers to work honestly so that they “may have something to share with anyone in need.” Budgeting helps create that kind of readiness. The goal is not to accumulate excess merely for our own comfort. It is to manage resources in a way that allows us to provide responsibly, respond compassionately, and give freely. Review and Adjust Regularly A budget is not a document you create once and then ignore. It should be reviewed and adjusted as circumstances change. Some months will require different priorities. Certain categories may prove unrealistic. Income may rise or fall. Unexpected needs may emerge. The goal is not perfection. The goal is faithfulness. For married couples, regular budget conversations can also create greater unity. Rather than allowing money to become a source of confusion or conflict, spouses can pray together, clarify their priorities, and make decisions as a team. A regular review gives you an opportunity to ask: How has God provided? Are we living within our means? Do our spending decisions reflect our values? Are we preparing wisely for the future? Is there room to grow in generosity? How Budgeting Shapes Us Budgeting is about far more than numbers. It can become part of our spiritual formation. It teaches us to recognize God's provision. It trains us to say no to one thing for the sake of a greater yes. It helps us practice contentment in a culture of comparison. It creates a framework for generosity before money is absorbed by lesser priorities. A budget cannot guarantee that life will go according to plan. But it can help us respond to God's provision with wisdom, gratitude, and purpose. Take the Next Step With the FaithFi App The FaithFi App is a Christian money-management tool designed to help you integrate biblical wisdom with practical financial decisions. More than a budgeting app, it helps you consider both the numbers and the heart behind them so you can steward God's resources with greater clarity and intentionality. Join more than 80,000 believers pursuing faithful stewardship and begin your 30-day free trial at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I need 12 more Social Security credits and recently took a job as a household manager. Should I be classified as a household employee or an independent contractor, and how would the IRS view that arrangement? I have a federal student loan with significant accrued interest. Do I need to pay off that interest before my payments begin reducing the principal? I've also been advised to refinance through a private lender. Should I keep the loan federal or convert it to a personal loan? I'm considering selling a mortgage-free multi-unit property worth about $700,000 to $800,000 and using the proceeds to buy two rental homes for around $250,000 each. What tax, financing, or ownership issues should I consider before making that move? My husband and I are debt-free, live within our means, and expect to receive an inheritance. We want to plan wisely for retirement, investing, Social Security, Medicare, our family, and generosity, but we struggle with analysis paralysis. How can we find a trusted advisor who shares our faith and can help us build a comprehensive plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

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

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

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