Podcasts about calculate

What We Cover In This Episode: What to consider when choosing between building a retreat from scratch or partnering with an operator to remove the operational weight [7:48] Why retreats are a separate business model and how to treat them as a distinct revenue line so your KPIs don't lie to you [17:08] How to reverse engineer your pricing from margin backwards to ensure you actually turn a profit [17:59] The ways you can protect your cashflow by using steep deposits and auto-draft schedules to outpace vendor deadlines [19:24] Why you must establish operational roles and insurance liability before anyone leaves town [21:02] Tips to stop the admin creep by creating your templates, itineraries, and packing lists before you ever need them [22:10] Quotes:  "Retreats should expand your revenue beyond your four walls, strengthen member loyalty and retention, increase brand equity, not overwhelm your team." [Nick, 6:06] "You don't want to price retreats emotionally, it is mathematical. This is the feasibility test, is this even worth it? Calculate all the hard costs first." [Nick, 18:04] "If you partner, you can define responsibilities a little bit easier and draw a more black and white line in the sand. Who owns payment processing? Who handles the guest enrolment? What happens if attendance falls short? What is our back up plan?" [Nick, 21:35]   LINKS:  Episode 328: Rapid Fire: Retreats & Teacher Trainings Studio Scale Book a Call with the fitDEGREE Team Learn More About All of Our Partners (Including LoopSpark & LezVU) and Get Exclusive Offers Visit the fitDEGREE Knowledge Base Send Megan Your Playlist or Discuss the Podcast Here!  fitDEGREE's Business Portal support@fitDEGREE.com https://www.instagram.com/fitdegree/ ​​https://www.instagram.com/fitspot_guru/  https://www.fitdegree.com/blog  https://www.youtube.com/channel/UChJ5rK6zWPXjbxtUQx3ys9Q https://www.tiktok.com/@megan_fitdegree  

U.S. Senator Cory Booker of New Jersey joins us for a wide-ranging conversation recorded in one sitting for both podcastsSenator Booker first rose to national prominence as the mayor of Newark, where he built a reputation for hands-on leadership and bold policy ideas. He has now served more than a decade in the U.S. Senate, becoming one of the most prominent voices in the Democratic Party.He's also entering a new chapter personally: Booker recently married and is expecting his first child—something that clearly shapes how he thinks about issues like childcare, family economics, and investing in America's future.Our conversation comes as Senator Booker unveils a new proposal called the Keep Your Pay Act—a plan that would eliminate federal income taxes on the first $75,000 of income, a move he says could dramatically increase take-home pay for many middle-class families. In this conversation, we discuss:• The Keep Your Pay Act and how it could affect American households• Why Senator Booker believes the tax system is “rigged” against working families• The rising cost of childcare and early education in America• Immigration reform and the climate of fear many immigrant families feel today• The growing power of big media companies and why independent creators matter• The economic implications of the war in Iran, including rising energy costs• Whether Booker sees a presidential run in his futureCalculate how much Booker's proposed tax act could save your household. Hosted on Acast. See acast.com/privacy for more information.

This episode of the Achieve Results Now podcast features hosts Mark Cardone and Theron Feidt diving deep into the art of prioritization. They explore how the word "No" is actually a tool to protect your "Yes," ensuring your limited time is spent on things that actually move the needle in your business and personal life. The 3-Step Framework for Radical Prioritization: Step 1: Conduct a "Resistance Audit" Before you can move forward, you have to see where you're leaking time. The 7-Day Review: Look back at your last week. Highlight what moved you toward your goals and circle the "obligation leaks", those things you said yes to out of guilt or politeness. The Profit or Pleasure Filter: If a task doesn't bring you profit (progress) or pleasure (joy), it's a candidate for the chopping block. Calculate the Cost: Be honest about "time bleed." A 24-hour day disappears quickly once you factor in sleep and work; every "polite yes" shrinks your remaining free time. Step 2: "Hell Yeah" or No Borrowed from the popular productivity philosophy, this step is about emotional and logical alignment. The 9/10 Rule: If a new request doesn't excite you at a level 9 or 10, the answer is no. There is no middle ground. The Trade-off Check: Realize that every "Yes" to someone else is a "No" to your family, your fitness, or your focus. Master the "Neutral No": Learn to decline without being abrasive. Use phrases like, "I'm booked out for two weeks; let's revisit then," to protect your schedule without burning bridges. Step 3: Create "Protection Zones" Setting boundaries isn't enough; you have to defend them. Deep Work Blocks: Schedule non-negotiable time for your most important thinking and writing. Eliminate "Dawdle Time": Watch out for the micro-distractions (like a "quick" five-minute scroll on social media) that happen between tasks. These small leaks rack up significant time. Broadcast Your Boundaries: Tell your family and team when you are "off-limits." If people don't know your boundaries, they can't respect them. Summary Table: Reclaim Your Calendar Strategy Key Action Goal Resistance Audit Audit the last 7 days of your calendar. Identify "obligation leaks." Hell Yeah or No Only accept 9/10 opportunities. Eliminate the "maybe" trap. Protection Zones Block out "Deep Work" hours. Prevent distractions and "dawdle time." Neutral No Decline requests with kindness and style. Protect relationships while saving time.   "Protect your 'Yes' by mastering your 'No.' Your time is finite; don't spend it on things that don't move the needle." ARN Suggested Reading: Blessings In the Bullshit: A Guided Journal for Finding the BEST In Every Day – by Mark Cardone & Theron Feidt https://www.amazon.com/Blessings-Bullshit-Guided-Journal-Finding/dp/B09FP35ZXX/ref=sr_1_1?dchild=1&keywords=blessings+in+the+bullshit&qid=1632233840&sr=8-1 Full List of Recommended Books: https://www.achieveresultsnow.com/readers-are-leaders Questions? 1.   Do you have a question you want answered in a future podcast? 2.   Go to www.AchieveResultsNow.com to submit. Connect with Us: Get access to some of the great resources that we use at: www.AchieveResultsNow.com/success-store www.AchieveResultsNow.com www.facebook.com/achieveresultsnow www.twitter.com/nowachieve Thank you for listening to the Achieve Results NOW! Podcast.  The podcast that gives you immediate actions you can take to start seeing life shifting results NOW!

Send a textOn this episode of The Get Ready Before Life Happens Podcast, Tony talks with Maxwell Schmitz, Disability Insurance Specialist and Co-Founder of Dingo Technologies, about why income protection is the core building block of a real financial plan.

Pool Pros text questions herepool management, insurance, pool measurements, chemical calculations, warranty issues, pricing strategies, pool service, pool industry, commercial pools, residential poolsSummaryIn this episode of the Talking Pools podcast, the hosts discuss various challenges faced in pool management, including accurate pool measurements, navigating insurance and liability, chemical calculations for pool volume, warranty issues with manufacturers, and pricing strategies in the pool service industry. They emphasize the importance of understanding pool volume for chemical dosing, the complexities of commercial versus residential pools, and the need for strong relationships with manufacturers and insurance agents. The conversation aims to provide insights and practical advice for both new and experienced pool service professionals.TakeawaysAccurate pool measurements are crucial for effective service.Understanding insurance coverage is essential for liability management.Chemical calculations can be done using a chemical method for accuracy.Building strong relationships with manufacturers can ease warranty issues.Pricing strategies should reflect market conditions and product costs.New pool service professionals should seek guidance to avoid costly mistakes.Communication with insurance agents can clarify coverage for different jobs.Knowing the volume of water in a pool is vital for chemical dosing.Regular follow-ups with manufacturers can expedite warranty claims.Understanding the differences between commercial and residential pools is important.Sound Bites"I always go to the top of the skimmer box.""You can calculate pool gallons chemically.""You have to be nice with the manufacturers."Chapters00:00Introduction to Pool Maintenance Topics04:44Measuring Pool Depth and Surface Area17:04Understanding Reagents and Their Shelf Life52:53Inventory Management and Quality Control in Reagents Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Is a college degree actually worth the cost — or are parents sacrificing their financial future so their kids can party for four years? In this episode, we finish the final two chapters of Becoming Your Own Banker by R. Nelson Nash, starting on page 75 with a hard look at the monetary value of a college degree — and ending with a powerful discussion on what to do if you're uninsurable. We challenge the deeply ingrained belief that everyone deserves a college education, unpack why the cost of college has exploded faster than inflation, and expose how parents are quietly taking on decades of student loan debt for degrees their kids may never need — or use. We also explore alternative paths: mentorship, real-world experience, vocational skills, and how Infinite Banking can be used intentionally if you do decide to help pay for college — without sacrificing retirement or generational wealth. Finally, we close the book study with an often-overlooked question: What if I'm uninsurable? Nelson Nash's own story proves that Infinite Banking doesn't stop — it simply shifts to another life and continues building wealth for future generations. This episode isn't anti-education — it's pro-thinking.

In Part 1 of this powerful two-part conversation, Debi Robinson sits down with Dr. Wendy Warner to unpack how modern osteoporosis management took shape — and where it may have gone wrong.From the introduction of DEXA scans in the 1990s to the widespread use of bisphosphonates like Fosamax, this episode explores how bone density became the primary focus of care — often without fully understanding long-term consequences.Dr. Warner explains why DEXA scans measure mineral density — not bone strength — and why that distinction matters. The conversation also dives into FRAX scores, medication risks, autoimmune connections, stress hormones, and the functional medicine perspective on bone health.If you've ever felt confused or uneasy about your T-score, this episode will empower you with context.What You'll Learn in This EpisodeWhy DEXA scans measure density — not strengthThe difference between bone mineralization and bone structureHow bisphosphonates were introduced and what we later discoveredWhy “drug holidays” became necessaryThe difference between fracture risk and fracture rateWhat the FRAX score measures and how to calculate your ownWhy autoimmune conditions increase osteoporosis riskHow cortisol stimulates bone breakdownWhy stress, blood sugar instability, and inflammation matter for bone healthWhy bone loss is a whole-body issue — not just a bone issueAction StepsLook beyond your T-score. Ask whether your fracture risk matches your density score.Calculate your FRAX score to better understand 10-year fracture risk.Address chronic stress. Elevated cortisol stimulates osteoclast activity (bone breakdown).Stabilize blood sugar. Insulin resistance and inflammation impact bone remodeling.Evaluate autoimmune conditions if present — they may increase fracture risk.Assess gut health and nutrient absorption. Eating well doesn't always equal absorbing well.Work with a practitioner who looks at root causes, not just scan results.Resources & LinksDebi's website: https://debirobinson.comHealthy Gut Healty Bones Program: https://debirobinsonwellness.thrivecart.com/hghb-self-paced-group-program-pp/Join the Community: https://debirobinson.com/the-stronger-bones-lifestyle-community/Yoga Therapy MasterClass: https://debirobinson.com/yoga-therapy-for-bones-health-mc/28-Day Stronger Bones Method: https://debirobinson.com/28-day-stronger-bonesmorning-method/Instagram: https://www.instagram.com/debirobinsonwellness/Youtube Channel: https://www.youtube.com/@debirobinsonwellness/

Ann Perry is a world-recognized numerologist, Reiki master, and soul coach with more than two decades of experience helping people navigate life transitions with clarity and confidence. She is the founder of the Clarity Seekers Community and the #1 international bestselling author of Soul Signature Numerology.In today's episode, Ann joins me to break down what numerology really is and how it can be used as a practical tool for self-awareness, decision-making, and growth. She also shares how numerology helped her overcome a difficult period in her life and shape her life's work.We dive into numerology and how it affects your life. Ann explains the importance of your birth date and name, and how they determine your natural tendencies.She also explains the nine-year personal cycle system, how to calculate your life path number, and how to use that knowledge to push forward, slow down, release, or rebuild.Our conversation also covers how numerology can be applied to business, partnerships, and team dynamics so you can align your actions with your natural strengths instead of forcing results.Join us today as we explore numerology, how to understand your life seasons, work with your natural timing, make smarter decisions, avoid burnout, improve relationships, and use numerology as a powerful tool for personal and professional growth.—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Get Ann Perry's book ‘Soul Signature Numerology' to learn how to interpret your birth date and understand your core numerology profile.Ann Perry's website: www.annperrynumerologist.comFacebook: https://www.facebook.comInstagram: https://www.instagram.com/annperrynumerologist11/Linkedin: www.linkedin.com/in/annperrynumerologist—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

30+ premium credit cards—including the Amex Platinum and Chase Sapphire Reserve—without paying a single dollar in annual fees? Spencer Reese breaks down exactly how active duty service members, Guard/Reserve on orders, and military spouses can access over $10,000 in annual fee waivers through the Military Lending Act (MLA) and SCRA. Recorded on Veterans Day, this episode is packed with tactical strategies for building wealth while traveling the world in luxury. Summary Spencer Reese joins Ross from Itinerary Boss for a comprehensive breakdown of military credit card benefits. Spencer explains the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA), revealing how active duty members and military spouses can access premium cards like the $895 Amex Platinum with zero annual fees. The conversation covers optimal credit card sequencing, what happens when you transition from active duty to veteran status, how to leverage OCONUS assignments for incredible award travel, hotel status strategies, and Spencer's personal redemption stories including luxury stays in Dubai and business class flights around the world. Spencer also addresses common misconceptions about credit cards, shares tracking tools and automation tips, and explains why most military families are "stepping over dollars to pick up pennies" by not taking advantage of these benefits. Key Topics & Questions Covered Understanding Military Credit Card Benefits The Legal Foundation Eligible Cards & Annual Fee Savings Multiple Cards Strategy Credit Card Sequencing Strategy Building Your Foundation Optimal Application Order Why Order Matters Maximizing Credit Card Benefits Annual Recurring Credits Per Card Stacking Strategy Example International Usage Transitioning from Active Duty to Veteran What Happens to Your Cards Chase Timeline American Express Timeline Downgrade Strategy Travel Redemption Strategies OCONUS Assignment Advantages Spencer's Success Stories Hotel Status Strategy Common Mistakes & Misconceptions Biggest Mistakes Military Families Make Stopping at one card - Missing thousands in benefits Opening Amex Platinum first - Should start with Chase Using wrong card for purchases - Groceries on Platinum instead of Gold Fear of credit cards - Dave Ramsey's influence Not checking MLA database first - Missing automatic waivers Buying too much car - #1 financial mistake Spencer sees Ignoring hotel status cards - Missing upgrade opportunities Dave Ramsey Debate Credit Score Myths Tools & Automation Tracking Apps & Software Card Pointers - Credit optimization MaxRewards - Best card for each purchase Travel Freely - Track card opening dates, 5/24 status Use Your Credits - Find Resy restaurants with e-gift cards Spreadsheet method - Spencer's preferred approach Automation Tips Batching Strategy Hotel & Airline Status Hotel Status Cards Why Hotel Status Matters Hyatt Globalist Priority Resources & Links Mentioned Military Benefits Resources MLA Database - Check your Military Lending Act eligibility SCRA (Servicemembers Civil Relief Act) DOD MWR Libby App - Free ebook/audiobook access to Spencer's book Credit Card Tools Card Pointers - Credit card optimization app MaxRewards - Best card selector Travel Freely - Card tracking for 5/24 status Use Your Credits - Find Resy restaurants with e-gift cards United Travel Bank - Trigger airline credits Key Tactical Takeaways Immediate Actions (This Week) Verify MLA eligibility at mla.dmdc.osd.mil (print PDF for records) Check credit score - Need 720+ for premium cards Open Chase Freedom or Freedom Unlimited if no Chase relationship Set up automatic payments on all existing cards Calculate current annual fee savings if already have cards Short Term (This Month) Apply for Chase Sapphire Reserve or Preferred (check welcome bonuses) Open Amex Green → Start the Amex family progression Verify military status on existing accounts Set up recurring digital entertainment credits Create spreadsheet to track cards and credits Medium Term (This Quarter) Add Amex Gold after 90 days from Green Apply for hotel status cards (Hilton Aspire, Marriott Brilliant) Set quarterly reminders for Resy credits Purchase United Travel Bank in January for airline credits Book TDY/deployment hotels to build status Long Term (This Year) Add Amex Platinum after Amex Gold established Upgrade Freedom to CSR after 12 months (if desired) Build toward hotel Globalist status with Hyatt Plan OCONUS travel using points from home airport Prepare transition strategy if separating 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 20,000 military servicemembers and military spouses have graduated from the 100% free 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 like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ 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. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Today I want to talk about something nonprofit leaders are rarely taught: how funders calculate risk before they fund your organization. Funding decisions are not emotional. They are calculated. If you've ever wondered why you keep getting polite rejections or no response at all, this conversation will help you understand what's happening behind closed doors. Funders don't avoid good missions. They avoid unmanaged risk. And once you understand how risk is calculated, you can start positioning your nonprofit to feel safe, stable, and investable.

You can be booked out, exhausted, and still broke—and if that's been you, you're not alone. In this episode, Jen breaks down the real reasons florists struggle to make money (even with “good” revenue), and the practical shifts that turn a busy floral business into a profitable one. We're talking pricing for profit, plugging the holes in your boat, tracking the numbers that matter, and building a business model that supports your life—not consumes it.In this episode, we cover:Why busyness is NOT the same thing as successThe moment Jen realized she was doing the most… and making nothingThe truth: profit is what's left after flowers, labor, overhead, waste, and stressWhy florists underprice: fear, comparison, people-pleasing, and “being nice”The biggest profit leaks Jen sees (especially in delivery + service fees)How to stop saying “How can I make this work?” when the budget is unrealisticWhy you don't need more clients—you need better marginsWhat to review right now to find the holes in your business (and plug them)The mindset shift that changes everything: “When I do something, I deserve to make money for it.”Why support matters: coaching, mastermind rooms, outside eyes, and accountabilityTakeaway Challenge (do this today):Calculate your average wedding value (or average order value if you're retail).Pick one fee to audit (delivery/setup/service fee/product markup).Choose one boundary that protects your profit (minimum, scope, delivery radius, etc.).Ready for support?The Floral CEO Mastermind: http://floralceo.com/mastermindFloral Rockstar Workshops: http://floralceo.com/workshopWant a personalized strategy? Email jen@floralceo.com or DM Jen on Instagram.

Trener Robotics is solving a fundamental problem in industrial automation: the 5 million robotic arms deployed globally operate without intelligence, relying on 60-year-old procedural programming methods. With $38 Million in total funding—including a just-closed $32 Million Series A—the company compressed an 18-month journey from pre-seed to Series A by focusing ruthlessly on CNC machine tending. In this episode of Category Visionaries, I sat down with Asad Tirmizi, Founder of Trener Robotics, to unpack how 14 years of research in robotics and AI converged with market timing to create what judges recognized as this year's biggest innovation in machining—despite the founding team having zero machining expertise. Topics Discussed: Why Trener Robotics chose CNC machine tending over higher-visibility applications like airplane cleaning The capital efficiency trade-offs between sales cycle length, development complexity, and runway Partnering with three of the five largest robot OEMs controlling 4.3 million of 5 million deployed units Expanding to six countries (Norway, Denmark, Sweden, Portugal, Spain, US) through integrator networks Converting technical curiosity into closed deals in a risk-averse industry with 60-year-old workflows Building training materials in Portuguese for markets the founding team has never visited GTM Lessons For B2B Founders: Sales cycle length determines survival, not TAM size: Trener Robotics rejected compelling applications with massive TAM like airplane cleaning because sales cycles would burn through runway before reaching scale. Asad was explicit: "If your sales cycle is too long, your funding is too less and your development time is too much, that's it, you're out of business." They chose CNC machine tending specifically because manufacturers already budget for robots, understand ROI calculations, and have existing vendor relationships. Calculate your actual time-to-close from first meeting to signed contract, multiply by customer acquisition cost, and build your runway model around that reality—not the TAM slide in your deck. Niche dominance beats horizontal expansion every time: Despite having technology capable of 100+ applications, Trener Robotics committed to machine tending exclusively. Asad's framework: "Making 100 skills is easy. Distributing 100 skills, maintaining 100 skills, marketing hundred skills—that's where most startups break when scaling, not when incubating." The constraint forced them to become the definitive solution for one workflow, enabling repeatable sales motions and concentrated marketing spend. Most founders intellectually agree with focus but fail operationally—they take revenue from adjacent use cases "just this once." Don't. Pick your beachhead, win it completely, then use that cash cow to fund expansion. Industry awards are underutilized credibility hacks: Trener Robotics won the Machine Tool Innovation Award—the machining industry's most prestigious recognition—despite being roboticists with no machining background. This wasn't luck. They studied what innovations historically won, trained their models on data that would produce award-worthy results, and positioned the submission around industry pain points. The award opened OEM partnership conversations that would have taken years otherwise. Identify the 2-3 awards that matter in your category, reverse-engineer what wins, and build your product roadmap accordingly. Third-party validation converts skeptical enterprise buyers faster than any sales deck. Channel partner economics need structural win-win design: Trener Robotics secured partnerships with three of the five largest robot OEMs (controlling 86% of deployed units globally) by solving a specific problem: OEMs sell hardware but lose recurring revenue to system integrators who program robots. Trener Robotics' AI models let OEMs capture software subscription revenue while reducing integrator programming costs. Asad acknowledged they're still learning: "I would not by any stretch of imagination say we have proven how good we are in managing channel partners. It's a journey we are on." But the structural economics work because both sides make more money. When designing channel programs, don't just offer margin points—restructure the value chain so partners access new revenue pools they couldn't capture before. Interest signals are worthless without conversion timeline mapping: Asad's painful admission: "Interest does not mean sales. Pilots do not mean sales. Even letter of interest or contracts to test your equipment does not mean sales." As a technical founder, he initially conflated technical validation with buying intent. The fix: obsessively measure time between interest signal and closed deal, then segment by customer type, deal size, and decision-maker level. Only after mapping this could they accurately forecast and avoid the "too much time in the gray area of interest turning to sales" trap. Build a conversion funnel that tracks days-in-stage, not just stage progression percentages. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Rate & Term Refinancing in Florida: Is Now the Right Time?Are you staring at your mortgage statement, wondering if there's a better deal out there? You're not alone! Many Florida homeowners are considering a rate and term refinance, especially with fluctuating interest rates. The big question is: when should you jump, and are those tempting "points" really worth it? In Florida, a general rule of thumb is that a rate drop of around 2% is typically needed to make a refinance worthwhile, allowing you to recoup closing costs relatively quickly. But what happens when rates are trending downwards and another refinance might be just around the corner? Let's break down the key factors to consider, so you can make an informed decision that saves you money in the long run.Is Paying Points Smart When Rates Are Downtrending?The promise of a lower interest rate can be incredibly enticing. Lenders often offer "points," also known as discount points, which are essentially upfront fees you pay to reduce your interest rate. One point typically costs 1% of the loan amount. The catch? You need to calculate how long it will take to recoup that upfront investment through lower monthly payments.Factors to Consider Before Paying PointsHow long do you plan to stay in your home? The longer you stay, the more likely you are to recoup the cost of the points. If you plan to move in a few years, paying points might not be a wise investment.How much will you save each month? Calculate the difference between your current monthly payment and the projected payment with the lower interest rate (after paying points).What are the overall closing costs? Don't just focus on the points. Factor in all other closing costs, such as appraisal fees, title insurance, and origination fees.What are the current economic forecasts? While no one has a crystal ball, staying informed about interest rate predictions can help you gauge the potential for further rate drops.The Cost vs. Savings Analysis of RefinancingTo truly understand if a rate and term refinance is right for you, you need to conduct a thorough cost-benefit analysis. This involves comparing the costs of refinancing (including points, if any) with the potential savings over the life of the loan.Calculating Your Break-Even PointThe "break-even point" is the amount of time it takes for your cumulative savings to equal your total refinancing costs. Here's how to calculate it:Calculate your total refinancing costs: Add up all closing costs, including points, appraisal fees, title insurance, etc.Calculate your monthly savings: Subtract your new monthly payment (with the lower interest rate) from your current monthly payment.Divide the total refinancing costs by the monthly savings: This will give you the number of months it will take to break even.tune in and learn https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here     Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.

You found your constraint. You know which category it's in. But is it a volume problem, a skill problem, or a system problem? Because the fix is completely different for each. In this episode, I'm giving you the diagnostic framework: calculate your gap, diagnose the type, and understand why fixing them in the wrong order keeps you stuck. Volume first. Skill second. System third. Most entrepreneurs do it backwards. Your homework: Calculate your gap. Diagnose the type. Write the sentence: "My constraint is a _________ problem in the _________ category." Here's the worksheet.

In this episode of Quah (Q & A), Sal, Adam & Justin answer four Pump Head questions drawn from last Sunday's Quah post on the @mindpumpmedia Instagram page. Mind Pump Fit Tip: How to Calculate Volume and Progressively Overload for MAX GAINS. (2:09) Fish roe vs fish oil. What's the difference? (23:21) Bringing out the science dork in Adam. (25:32) Getting your head in the right place before a MASSIVE change in your training. (31:14) The benefits of the 'water pump'. (38:07) Levers and pulleys. (41:31) Do asthma medications stunt growth in children? (45:56) An 'Our Place' unboxing. (49:21) #Quah question #1 – Are there any actual benefits to vibration plates, or is it another gimmick in the fitness industry? (53:53) #Quah question #2 – I'm new to lifting with a barbell, and I have a home gym. I frequently lift when I am home alone. My goal is to progress to heavy squats, but I'm afraid of hurting myself or getting stuck at the bottom. What is the best rep range for me? (57:09) #Quah question #3 – What grip/type of pressing movement would be easiest on the rotator cuffs? (1:01:32) #Quah question #4 – I have an L5 bulging disc that causes me pretty frequent pain, and I am trying to recover/heal it, but my chiropractor says it could take 3- 6months to fully heal. How am I supposed to train when I can't load heavy? Especially the lower body exercises like squats, deadlifts, etc. (1:04:25) Related Links/Products Mentioned Visit Paleovalley for an exclusive offer for Mind Pump listeners! ** Discount is now automatically applied at checkout 15% off your first order! ** Visit Our Place for an exclusive offer for Mind Pump listeners! **Code MINDPUMP at checkout to receive 10% off sitewide. 100-day trial with free shipping and returns. ** February Promotion: Feb 1 - Feb 14th - The Couple's Bundle (Aesthetic, HIIT, Muscle Mommy, No BS 6-Pack Abs), $498 value, only $197!  Visit: https://www.mpvalentine.com  Mind Pump Store Building Muscle with Adam Schafer – Mind Pump TV Asthma drug may stunt growth permanently Visit Joymode for an exclusive offer for Mind Pump listeners! ** Enter MINDPUMP at checkout for 20% off your first order. ** How to Choose the Correct Weight for a Lift - YouTube Suspension Training Series – 3 Favorite Shoulder Exercises The Face Pull Variation You NEED To Try (Healthy Shoulders!) Handcuff with Rotation (Mind Pump) - YouTube The Wall Test | Mind Pump TV Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Mike Salemi (@mike.salemi) Instagram Justin Brink DC (@dr.justinbrink) Instagram  

5 Simple Systems That Turn Evening Hours Into Recurring Revenue Streams   Episode Summary Discover how digital entrepreneurs, especially busy parents, are leveraging AI automation to create profitable side hustles that fit into just 90-minute evening blocks. This episode dives deep into five "boring" but lucrative AI automation systems that require no coding skills, generating $1,500 to $5,000 in sales each. From email categorization to podcast repurposing, these digital marketing strategies solve real business problems while helping you build recurring income streams. Whether you're new to digital products or looking to enhance your online entrepreneurship journey, this guide is packed with tips for entrepreneurs aiming to make money online without sacrificing family time. Tune in to learn actionable email marketing tips, automation workflows, and other digital product ideas perfect for parents striving to balance business and life. Key Timestamps & Insights 00:00 - Opening 00:55 - Episode Overview 01:25 - The Parent Advantage 02:45 - Immersive Success Story 06:20 - The 5 Profitable Automation Systems 14:25 - Newsletter CTA 15:00 - Intelligent Elevation 16:20 - Whiskered Wisdom Strategies Shared The 90-Minute Build Strategy Leverage limited evening time for focused automation building Use constraints to force clarity and essential features only The Boring Beats Brilliant Approach Focus on simple, linear workflows over complex AI agents Solve obvious problems for obvious money The Local Network Launch Start with businesses you know personally (dentist, daycare, coffee shop) Observe repetitive manual tasks before proposing solutions The Referral Multiplication Method One satisfied client becomes your best sales force Same system, different clients, recurring revenue The Problem-First Framework Identify pain points before building solutions Focus on time-saving value over impressive technology Resources Mentioned Make.com - Visual automation platform (no coding required) Apify - Data scraping service for lead research OpenAI - AI processing for email categorization and content N8N - Alternative automation platform AI Escape Plan Newsletter - Step-by-step automation guides for parents Action Steps to Take Immediate Action (This Week) Pick one small business in your network Spend 15 minutes observing their repetitive manual tasks Write down potential automation opportunities Learning Phase (Next 30 Days) Create free Make.com account Build simple email sorting system for yourself Document your learning process Validation Phase (Month 2) Approach one business owner with observed problem Calculate time/cost savings of automation solution Propose pilot project with clear ROI Scale Phase (Month 3+) Refine successful system for replication Build referral network through satisfied clients Develop recurring maintenance contracts Subscribe to the AI Escape Plan Newsletter - DarkHorseInsider.com - Get practical, AI-powered strategies to start, grow, and streamline side hustles designed to protect family time while boosting income. Next issue includes step-by-step automation building guide with screenshots and parent-tested workflows.   Episode Quote "Boring beats brilliant when it comes to building wealth. While everyone else is chasing the latest AI agent or complex chatbot, you're going to focus on simple, linear workflows that solve obvious problems for obvious money."    

Calculating SaaS metrics sounds straightforward—until you actually try to do it. In episode #353, Ben Murray breaks down why SaaS metrics are so difficult to calculate at scale, why spreadsheets eventually break, and what it really takes to produce CFO-grade metrics that stand up in the Boardroom and in due diligence. Drawing on insights from the 7th Annual SaaS Tech Stack Survey, Ben explains why 58% of companies still rely on spreadsheets and highlights the growing mix of tools aimed at solving the SaaS metrics challenge. At the core of the issue? SaaS metrics require clean, structured data from four distinct systems—and most companies don't have that foundation in place. Resources Mentioned 7th Annual SaaS Tech Stack Survey: https://mailchi.mp/thesaascfo.com/its-here-the-2026-saas-finance-ops-tech-stack-report Waitlist for Ben's SaaS Metrics app: https://docs.google.com/forms/d/e/1FAIpQLSeMMKm1N6g0PifGBNhFacivqA-lqePH9id93dCGKxNeBOWbFw/viewform?usp=dialog SaaS Metrics Foundation Course with App: https://www.thesaasacademy.com/the-saas-metrics-foundation What You'll Learn The four key SaaS finance data sources required to calculate accurate metrics Why SaaS metrics are difficult to automate (and why most companies struggle) Why spreadsheets are the default starting point—and why they don't scale The most common tools companies use today to calculate SaaS metrics Why understanding the manual process is critical before implementing software What “CFO-grade SaaS metrics” actually means Why It Matters Without structured financial data, your metrics won't stand up to board or investor scrutiny Disconnected systems create inconsistencies that undermine trust in your numbers Spreadsheet-based processes break as transaction volume and complexity grow Accurate SaaS metrics require integrating financial, bookings, HR, and customer revenue data If your data foundation isn't solid, automation tools won't fix the problem

Busy but Broke? How to Calculate True Profitability in Your StudioPodcast: Female Empowered Podcast Host: Christa Gurka, PT, Founder of Fit Biz StrategiesEpisode SummaryAre your classes full, your schedule packed, and your studio constantly busy—yet there's still no money in the bank?In this episode of the Female Empowered Podcast, Christa Gurka breaks down why utilization does NOT equal profitability and walks studio owners through the exact math needed to understand their real revenue quality. If you've ever said, “My studio is busy, so why do I still feel broke?”—this episode is for you.Christa shares simple, real-world studio math (no MBA jargon required) to help you calculate profit per class, profit per hour, and profit per room, so you can quickly identify which services are making you money—and which ones are quietly draining it.You'll also learn why unlimited memberships often crush margins in boutique fitness and Pilates studios, how to spot profit leaks in your schedule, and what changes you should make in the next 30 days to protect your business.What You'll Learn in This EpisodeWhy high utilization can still result in low (or negative) profitThe difference between revenue and revenue qualityHow to calculate profit per class step-by-stepHow instructor pay and operating expenses impact real marginsWhat happens financially when classes aren't fullWhy unlimited memberships often destroy profitability in Pilates studiosHow to identify your minimum viable class attendanceWhen to raise prices, cut classes, or restructure membershipsHow to think like a CEO using real data—not emotionsKey Topics CoveredRevenue vs. revenue qualityGross margin vs. operating costsProfit per class and per hour calculationsMembership pricing guardrailsUnlimited memberships and margin erosionUtilization metrics that actually matterStrategic pricing for intro offersMaking fast, data-driven business decisionsAction Steps from This EpisodeAfter listening, take these steps:Calculate your profit per class or per hourReview your memberships—especially unlimited optionsIdentify one service to raise, cut, or restructure in the next 30 daysStop relying on “busy” as a success metric and start tracking profitWant Help Running the Numbers?If you want support breaking down your studio math and making smarter pricing and scheduling decisions, you can work directly with Christa through her coaching programs and strategy calls.Learn more at christagurka.com and visit the “Work With Me” tab.Listen + WatchListen to the episode on your favorite podcast platform Watch the full whiteboard walkthrough on YouTube for a visual breakdown of the mathRemember: Busy doesn't pay the bills. Data drives decisions—and decisions drive dollars.

Fired at 63 with only two years of financial runway left, David Nassief rebuilt his financial life by 69 through disciplined saving, simple low-cost investing, and a one page wealth compass.Most people believe they have more time than they actually do when it comes to money. They work hard, earn a living, and assume things will somehow work out.In this episode of Give A Heck, Dwight Heck sits down with David Nassief to examine what happens when that assumption collapses later in life. After being fired at 63 following 18 years with one company and a 40-year career behind him, David was forced to confront the reality that he was on track to be broke by 65. What followed was a six-year rebuild grounded in clarity, discipline, self-education, and simplicity.This conversation explores late stage financial fear, industry conflicts, the cost of complexity, and why clear direction matters more than income level when it comes to building lasting financial peace.

Stablecoins hit $50 trillion in transaction volume, surpassing Visa and MasterCard combined. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Keith VanderLeast, General Manager of Americas at BVNK, at FinTech Nerd Con in Miami to unpack what's really happening as blockchain-based payments reshape cross-border infrastructure.The numbers tell a story that's hard to ignore. By the end of October 2025, stablecoin transaction volumes hit somewhere between $46 trillion and $50 trillion. BVNK alone processes about $20 billion in total volume, with the Americas business making up roughly a third of that amount. This isn't about speculative crypto trading anymore. The conversation has shifted to real payment infrastructure that moves money across borders 24/7 without the friction that's plagued traditional rails for decades.Stablecoins offer instant settlement around the clock, transparency that traditional banking can't match, and costs that make high-ticket cross-border transactions actually viable. Banks and payment companies are moving from pilot programs to actual implementation.Payouts have gained more traction early on because companies prefer to test the waters by pushing payments out rather than accepting them in. The gig economy has become a major beneficiary. Companies can now pay workers anywhere in the world without routing through legacy banking systems that charge hefty fees and take days to settle.The compliance conversation gets interesting when you compare on-chain monitoring to traditional banking. With blockchain-based payments, every transaction leaves a permanent record. You can see where funds originated, every wallet they touched along the way, and where they end up.Visa and MasterCard have been testing stablecoin settlements for their issuers and acquirers, primarily in European markets where regulatory clarity arrived sooner. For companies doing high volumes of original credit transactions on weekends, the ability to pre-fund with stablecoins eliminates the need for expensive lines of credit.One surprise in the market comes from the reverse flow. Manufacturers in Latin America want to pay their US suppliers using stablecoins. BVNK converts those stablecoin payments to dollars and pays out through traditional rails.KEY TAKEAWAYS:1️⃣ Train compliance teams on blockchain monitoring tools before piloting stablecoin payments because BSA-AML frameworks work differently on-chain.2️⃣ Calculate what you spend on lines of credit just to pre-fund weekend settlement accounts and compare that against stablecoin settlement costs.3️⃣ Set up ongoing monitoring using tools that track transactions after they exit your custody to catch compliance issues before they become problems.4️⃣ Build infrastructure to accept payments from unexpected directions like Latin America to US and convert to traditional rails on the receiving end.5️⃣ Use smart contracts to handle escrow requirements in lending situations instead of relying on intermediaries.LINKSGuestKeith VanderLeastLinkedIn: https://www.linkedin.com/in/keithvanderleest/BVNK Profile: https://bvnk.com/about-usCompanyBVNKWebsite: https://bvnk.com/LinkedIn:

Want to know how to gauge the success of a potential real estate investment? In this episode, I'm going to uncover the cornerstone of investing -  how to calculate the return on a real estate investment. Join Our Investor Club: https://rebrand.ly/gdbh690 This episode was originally released on January 12, 2024.

Making decisions is perhaps the most important skill an entrepreneur can possess. To move from a vague idea to a structured project, Frank Kern uses a specific "Decision-Making Worksheet" to ensure every move aligns with long-term success. Phase 1: The Big Picture Before looking at the decision itself, you must ground yourself in your ultimate destination. Clarify Your 20-Year Goal: Define exactly where you want to be two decades from now. For Frank, this is building a sustainable $100M company with a minimum 35% profit margin. Define Your Purpose: Identify the "why" behind your business. Frank's purpose is to have a measurably positive impact on the global economy by changing how consumers view marketers. Identify the Decision at Hand: State clearly what you are considering. (Example: Launching a flagship program to cold media via a webinar funnel). The "Alignment" Gut Check: Ask yourself: Will this move me significantly closer to my 20-year goal? If the answer is no, stop there. Phase 2: Success Criteria & Deadlines If the decision aligns with your goals, you must define what "winning" looks like. Four Indicators of Success: List four specific results that prove the decision was right. Frank's examples include attracting qualified prospects and achieving a 3x ROI on ad spend. Set a Hard Deadline: Determine by when these success criteria must be met to turn the decision into a tracked project. Phase 3: The Benefit Analysis Analyze the impact of the decision across two different timelines: Short-Term Benefits: Immediate wins, such as gathering data, building goodwill, or turning a quick profit. Long-Term Benefits: Lasting impacts, such as business scalability, permanent list growth, and transforming the lives of clients. Phase 4: Risk Assessment (The "Reality Check") It is easy to get caught up in the "happy world" of benefits; this phase demands total honesty about potential downsides. Calculate the Cost: What is the actual financial investment required for the test? Identify What Can Go Wrong: List every fear, from suffering core business distraction to losing the entire test budget or "looking dumb." The Risk vs. Reward Comparison: Compare your "long-term benefits" against "what can go wrong." Ask: Is the potential long-term gain worth the risk of these downsides? Final Step: Immediate Action If you decide the risk is worth it, commit immediately by identifying the three next steps you can take to get the project started today.

Download your workbook here → https://bit.ly/p-finance-in-february-workbook For studio owners, this episode breaks down the only financial numbers that actually matter to run a profitable business. If your Profit & Loss stresses you out or you avoid your numbers altogether, this episode will change how you think about money in your business. → Want to scale your studio and generate more leads? https://bit.ly/4kZSlya → Want proven systems to grow without burnout? https://bit.ly/44XoX5w Most studio owners aren't bad with money - they're just looking at the wrong numbers. If opening your Profit & Loss statement makes you feel confused, overwhelmed, or like you “should probably talk to your accountant one day”… this episode is for you. This is Episode 1 of our 4-part Finance February series on the Geronimo Unfiltered podcast. Across this series, we're breaking down financial literacy for studio owners in plain English - no spreadsheets, no shame and no accounting degree required. In this episode, we lay the foundation. If you don't understand this part, everything else feels harder than it needs to be.By the end of this episode, you'll be able to: • Stop saying “I'm bad with numbers” and start saying “I just didn't know what to look at” • Understand the difference between revenue, profit and cash (and why revenue is vanity) • Read a Profit & Loss statement without panic • Identify the only numbers that actually matter in a studio business • Know what a financially healthy studio actually looks like • Understand simple ratio benchmarks for labour, rent, overheads and profit • Spot the two biggest profit killers for studio owners: overspending on If you want this episode to actually change your business, don't skip this part. After listening ... here's your homework: 1) Ask your accountant for your last 12 months of Profit & Loss (or log into your accounting software and find it yourself) 2) Calculate your current ratios: - Labour as a percentage of revenue - Rent as a percentage of revenue - Total overheads - Operating profit 3) Compare your numbers to the benchmarks discussed in this episode 4) Bonus power move: ask your accountant to clean up your chart of accounts so your P&L is easy to understand at a glance. This episode kicks off Finance February. In Episode 2, we'll map out budgeting and forecasting - without overwhelm. Don't forget to like, subscribe, and comment below with your biggest takeaway. We read them all. Connect with us: My website: ⁠https://thegeronimoacademy.com ⁠ IG Geronimo: ⁠https://www.instagram.com/thegeronimoacademy⁠ IG Hey.Doza: ⁠https://www.instagram.com/hey.doza⁠ LinkedIn: ⁠https://au.linkedin.com/in/andrewhandosa⁠ Chapters: 00:00 – Welcome to Finance February 01:45 – Why studio owners avoid their numbers 04:55 – “I'm bad with numbers” (and why that's not true) 07:10 – Revenue vs profit vs cash 11:30 – Breaking down a P&L in plain English 14:20 – What counts as direct labour 18:45 – Labour cost benchmarks (and common mistakes) 23:10 – Rent benchmarks and lease red flags 27:05 – Overheads: what matters and what doesn't 31:45 – What healthy profit actually looks like 35:20 – The two biggest profit killers 38:50 – Homework & what's coming next

We are rebranding from Game-Changing Health to Your GLP-1 Bestie- stay tuned!

Ever feel like you're drowning in information but starving for clarity? That's the signal-to-noise problem, and it's killing your progress. I spent 20 years in radio learning how to cut through static, and now I'm watching successful people get buried under digital noise, endless priorities, and other people's agendas. The solution isn't working harder or consuming more content. It's ruthlessly protecting what matters and filtering everything else out. Today, I'm sharing the same framework I use with my clients to separate what moves you forward from what keeps you stuck. Featured Story About a month ago, I hit a wall with this podcast format. I was pre-producing episodes five days a week, sitting down to write dedicated motivational content, and it had become noise. TikTok and everything else was drowning out standard everyday motivation, and I wasn't going to be a noise guy. So I made a decision: get rid of everything I didn't like and figure out what I do like. For 10 days, I tried stuff, killed what didn't work, and kept experimenting. What you're hearing now is the evolution. I'm bringing you the conversations I have all day, every day, and serving you better by getting clear on signal and cutting the noise. Important Points Noise isn't the problem—your inability to filter for signal is. Pull back, refocus, and focus on what truly matters. Steve Jobs cut dozens of Apple products down to four. That ruthless focus exemplifies signal amplification perfectly. The strongest your goal clarity is, the more you'll dedicate yourself in that direction and ignore everyone else. Memorable Quotes "Deciding what not to do is as important as deciding what to do." - Steve Jobs on ruthless focus and signal thinking. "Clarity of vision divided by cognitive distraction—my guess is you're 80% distracted and I used to be that way." "If there's too much noise and you're crazy, don't shut down. Set a goal and let it guide you through the chaos." Scott's Three-Step Approach Get brutally clear on three goals maximum—noise equals distractions and other people's priorities you're letting in. Calculate your signal-to-noise ratio by dividing clarity of vision by cognitive distraction to see where you stand. Filter every decision through one question: is this signal or noise relative to your core values and your goals? Chapters 0:02 - Why I'm fired up about signal to noise (and complaints) 2:31 - The origin story of signal versus noise in our modern world 4:40 - Dr. Benjamin Hardy and filtering for what actually matters 6:00 - Steve Jobs cut Apple down to four products and won 9:13 - How to separate signal from noise in your life 11:06 - My own podcast evolution as a signal-to-noise case study 13:22 - The signal-to-noise formula and decision filters Connect With Me Search for the Daily Boost on YouTube, Apple Podcasts, and Spotify Email: support@motivationtomove.com Main Website: https://motivationtomove.com YouTube: https://youtube.com/dailyboostpodcast Instagram: https://instagram.com/heyscottsmith Facebook Page: https://facebook.com/motivationtomove Facebook Group: https://dailyboostpodcast.com/facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEThis episode examines Jordi Visser's recent analysis on what AI means for the labor market, why this isn't like previous technological disruptions, and how to position yourself financially when the old rules no longer apply.We talk through the psychological impact on anyone raised in the meritocracy, why competing against entities that never sleep and improve every six months is fundamentally different than competing against other humans, and what it actually looks like to build a two-year financial runway.Chapters: 00:00 – Opening segment01:35 – Jordi Visser article introduction 06:45 – The danger of refusing to update with new information 09:15 – I built an arbitrage bot in 12 minutes with zero coding knowledge 14:45 – Q3 2025: GDP up, profits up, employment down 16:30 – "Your labor is no longer required for our prosperity" 19:55 – The original 10,000-year bargain between labor and capital 23:10 – Today's graduates competing against entities 31:45 – Why whole life insurance shines brighter in this environment 40:15 – Uber drivers protesting robo-taxis ten years after disrupting taxis 52:30 – Building your runway 58:00 – Closing thoughts and how to position your assetsKey Takeaways:This isn't the Industrial Revolution 2.0. Previous disruptions eliminated jobs but created surplus that funded new roles. AI breaks that chain—digital employees don't need wages, don't become consumers, and improve exponentially every six months.The math changed. A college degree once guaranteed middle-class stability. Now it puts you in direct competition with entities that work 24/7, remember everything, and have no upper bound on capability.Own assets or get left behind. When capital no longer depends on labor, asset prices can rise indefinitely while wages stagnate. Position yourself on the side of the equation that benefits.Build your runway now. Hans tracks daily burn rate and is targeting two years of expenses in emergency reserves. Calculate yours: monthly expenses ÷ 30 = daily burn. Emergency fund ÷ daily burn = runway in days.Protect, save, grow still applies—maybe more than ever. Guaranteed growth vehicles, physical precious metals, crypto, rental properties, and options trading all have a place in a portfolio built for uncertainty.The social contract between labor and capital has held for 10,000 years: work generates value, value generates wages, wages generate surplus. Q3 2025 may have broken that contract permanently. GDP grew 4.3%, corporate profits hit record highs—and job growth collapsed to near zero. For the first time in history, the economy is thriving without creating jobs.

Resources Mentioned: 2026 Margin Protection Playbook: https://natrevmd.com/2026-margin-protection-playbook/ Eligibility Billing Verification Checklist: https://natrevmd.com/eligibility-billing-verification/ Book a Call: https://natrevmd.com/ For years, primary care practices have been stuck in a broken system. You've been forced to choose between different care management programs, each with its own administrative headaches and low margins. You're doing the work, but you're not getting paid for it. That all changes in 2026. In this episode, we give you the ultimate guide to the new 2026 care management billing landscape. We break down the revolutionary new APCM + BHI add-on codes that allow you to bill for both primary care management and behavioral health integration, for the same patient, in the same month, without the time-tracking burden. This episode will show you how to: Compare all care management billing models head-to-head Calculate the $1.1M+ annual revenue opportunity for your practice Choose the right model for your specific situation Eliminate time-tracking and administrative burden This is the most important podcast episode you'll listen to all year. It's your roadmap to a more profitable, more scalable, and more impactful practice.  

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss how to deal with inflation at retirement. It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap

Good morning ladies and gentlemen this is your captain speaking and welcome aboard Beat Around the Bench Airlines flight 132 with nonstop service to Sassafras Country. Were cruising at an altitude of pure woodworking knowledge with your flight crew Jess Colton and Ross. Flight time today covers espresso machines hand tool techniques cutting board construction and sassafras wood discussion. Seatbelts fastened dust masks in upright position as we prepare for departure.First up on beverage service were talking coffee and espresso. Colton got himself an espresso machine for Christmas brewing cappuccinos every morning. Two ounces espresso two ounces steamed milk foam on top ready to tackle the table saw. The crew discusses lattes versus cappuccinos how a latte is basically a milkshake with caffeine. Ross drops knowledge about Cuban cafecito fifty fifty cane sugar to espresso hits harder than a belt sander on walnut. He switched to Americanos with four shots of espresso diluted with water. Jess built a whole coffee bar with pot filler and Torani syrup pumps on a spinning acacia wood holder.Reaching cruising altitude the boys dive into shop projects. Jess working on his massive cabinet build hand cutting dados and grooves. Coltons building cutting boards with his daughter teaching wood selection grain patterns proper glue ups. Father daughter woodworking time is the best shop time. He picked up black walnut comparing grain patterns density and working properties.Main destination is sassafras wood discussion. This aromatic hardwood grows across eastern United States with unique characteristics for woodworkers. Distinctive smell like root beer because sassafras root was used to make root beer before FDA involvement. Relatively soft for hardwood works easily with hand tools and power tools takes finish beautifully. Color ranges from pale yellow sapwood to orange brown heartwood. Not dense as oak or maple but character makes beautiful furniture relatively affordable compared to exotic hardwoods.Woodworkers discuss sourcing sassafras finding local sawmills best applications for underutilized species. Outdoor furniture boxes small decorative pieces all work with sassafras. Naturally rot resistant great for weather exposure projects.Tool talk includes hand planes chisels marking gauges vintage versus modern production debate. Proper tool maintenance sharpening techniques buying quality tools once beats buying cheap tools three times. Jess shares wisdom about setting up hand planes correctly because poorly tuned plane is expensive paperweight.Finishing discussion gets deep when Ross runs out of Halcyon mid spray. Calculate finish needs before starting because running dry halfway through a coat is turbulence over Rockies. He compares oil based versus water based polyurethane cleanup differences grain raising properties why oil based leaves richer tone. Application techniques spray versus brush proper ventilation non negotiable.Ross brings AI automation knowledge implementing workflow automation for spirits sales territory. Chat bots lead generation systems Facebook auto responders. Technology moves faster than jet stream wind what you learn today outdated in three months but gotta start somewhere. Knowledge is power whether hand tool techniques or digital automation.Safety nuggets include proper dust collection setup tool maintenance calculating finish quantities teaching next generation of woodworkers investing in future of craft.Beginning descent now catch that Mullet Tools discount code BATB for five percent off at mullettools.com because quality dust collection accessories matter.This has been Beat Around the Bench flight 132 where coffee is strong wood smells like root beer knowledge flows smoother than freshly planed sassafras. Thank you for flying with us remember to like subscribe and share this podcast. On behalf of entire flight crew we hope you enjoyed your journey see you on the next flight.

Applying risk management principles helps Process Safety Engineer Trish Kerin navigate her first successful year of self-employment. Listen in as Trish brings her January column to life. You can read her column here.

Welcome to Friday Coaching Clinic Episodes. These are LIVE coaching session snippets where you have the opportunity to learn as both client and coach. I encourage you to think about how you might coach through this topic as a coach or how this situation may support you as a client. A reminder about these episodes: This snippet is just one way of coaching through this topic. Each coach has their own unique voice, personality and confidence to best support their clients and I invite you to find yours.  This week: Want to Double Your Revenue? Calculate This First

How Big Clinical Months Can Quietly Wreck Your Cash Flow Big months feel like a win. More patients, more prepaid packages, more cash hitting the account. But if you do not understand how to manage that cash, those same big months can put you in a financial bind later in the year. In this episode of the PT Entrepreneur Podcast, Danny breaks down why prepaid revenue creates false confidence, how owners accidentally drain their reserves, and the simple rule that keeps your clinic financially stable. In This Episode, You'll Learn: Why prepaid services are not the same thing as earned revenue How reactivation campaigns can create future cash flow problems The most common mistake owners make after a big revenue month Why your clinic can look busy but feel broke The minimum cash buffer every clinic should hold The Problem With Big Revenue Spikes Danny walks through a common scenario. A clinic normally doing $20,000 per month runs a strong reactivation campaign or sees a surge in new patients. That month jumps to $50,000, much of it prepaid. On paper, it looks like massive growth. In reality, much of that cash represents services that have not been delivered yet. Why Owners Get Burned Later The mistake happens when owners take large distributions during those spike months. As patients return to use prepaid visits, monthly collections drop. The clinic suddenly looks like it is underperforming, even though the schedule is full. Danny shares that he made this exact mistake early on and had to move personal money back into the business to stabilize cash flow. The Rule That Fixes This Before distributing extra cash, clinics should hold at least three months of overhead in the business account. If your overhead is $12,000 per month, that means keeping $36,000 in cash on hand. Some owners temporarily hold even more after large prepaid months until things normalize. Prepaid Does Not Mean Earned The mindset shift is simple but critical. Prepaid revenue is not truly earned until the visits happen. When you treat prepaid cash like future obligations instead of profit, cash flow becomes predictable instead of stressful. Why Time and Clarity Matter Cash flow mistakes often come from overwhelm. When owners are buried in documentation and admin work, there is no space to think strategically. Claire helps remove that burden so you can stay present with patients and actually manage your business. Try Claire free for 7 days Next Steps Review your last big month and identify prepaid revenue Calculate three months of overhead and protect that cash Stop tying distributions to single-month spikes Build systems that create clarity instead of chaos If you are still working toward going full time in your own clinic, PT Biz offers a free Part Time to Full Time 5-Day Challenge to help you build a clear plan. Sign up here: https://physicaltherapybiz.com/challenge

In this episode, we dive deep into retirement planning statistics that might surprise you—and hopefully motivate you to take action. We break down the numbers, share personal stories, and give you practical steps to start preparing for your future, no matter what stage of life you're in.   Key Takeaways Start where you are: Even if you're past the "ideal" window for compounding, taking action now is better than waiting Know your numbers: Understand what government benefits you'll actually receive Review your spending: Track where your money goes—especially dining out Think long-term: You're likely to live longer than previous generations planned for Get professional help: This isn't your specialty, and that's okay Action Steps Review your current retirement savings and projections Calculate your expected CPP and OAS benefits Analyze 3 months of spending to find financial leaks Consider insurance as part of your investment strategy Have honest conversations with your partner about retirement goals Resources Mentioned Statistics Canada retirement data (2022-2025) The Latte Factor by David Bach Rich Dad, Poor Dad by Robert Kiyosaki and Sharon Lechter The Psychology of Money by Morgan Housel   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.

Trying to figure out how many referrals you need to reach your client goals? Let's move beyond guesswork and focus on real numbers. I'll guide you through a practical case study that shows you exactly how to hit your targets. Together, we'll create a clear roadmap for getting the referrals you need to grow your business. Resources and links mentioned in this episode can be found on the show notes page at http://www.staceybrownrandall.com/397

Tedd Huff, CEO of fintech advisory firm Voalyre, sits down with Geetha Panchapakesan, Founder and CEO of Tesser, to explore how stablecoins are changing cross-border payments for enterprises tired of slow, expensive banking methods. Recorded live at Money 2020, this conversation cuts through the noise to address real pain points that treasury managers and CFOs face when moving money across borders.Traditional payment systems force companies to pre-fund accounts in multiple countries, tying up capital that earns nothing while transactions crawl through correspondent banks over days or weeks. Stablecoins offer instant settlement without pre-funding requirements, giving businesses real-time visibility into every transaction. The conversation covers practical adoption strategies, including how to test one payment corridor before scaling, and addresses regulatory clarity emerging from frameworks like the Genius Act. Geetha shares why remittance firms and cross-border payment companies are seeing immediate efficiency gains, and delivers actionable advice on calculating idle capital costs, measuring time savings, and leveraging blockchain traceability for compliance.TAKEAWAYS:1️⃣ Companies handling money transfers across challenging payment corridors are seeing the biggest wins right now with instant payouts.2️⃣ Stablecoin transactions can be checked in real time so you always know exactly where your payment stands.3️⃣ Calculate all the money sitting in foreign accounts earning zero interest; that capital could be deployed elsewhere.4️⃣ Track exact time savings and cost reductions from your test corridor before expanding to broader implementation.5️⃣ Every blockchain transaction creates a permanent record showing exactly where funds moved and when.LINKS:Guest - Geetha Panchapakesan: https://www.linkedin.com/in/geethapanchapakesanCompany - Tesser: https://www.linkedin.com/company/tesser | https://x.com/tesser_xyzFintech Confidential:Youtube: https://youtube.com/@fintechconfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialSUPPORTERS:Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://dfns.coSkyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflow.comHawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://hawk.aiABOUT:Geetha Panchapakesan is Founder and CEO of Tesser, a payments platform enabling banks, MSBs, and PSPs to make and receive stablecoin payments with the same ease as traditional payment rails. She brings 18+ years of experience leading product and strategy at MoneyGram, Visa Direct, and Circle.Tesser is a New York-based fintech company building stablecoin-based payments infrastructure that enables licensed financial institutions to move money across borders instantly and compliantly. The platform integrates stablecoin payment rails into existing financial systems in under a month, reducing cross-border settlement times from weeks to hours and cutting costs by up to 95%.Tedd Huff is Founder of Voalyre, a professional services and advisory firm focused on global payments and banking. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25+ years, he has contributed to fintech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth...

Discover how much money you need to retire. Calculate with your potential Social Security benefits to determine your retirement income.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

Discover the strategy to turn your geographic farm into a consistent, six-figure income stream. Many agents make the mistake of picking a farm simply because they like the neighborhood, leading to frustration and poor results, even with consistent mailing. The key is strategic farming—building a predictable pipeline instead of just brand awareness. To find a profitable farm that actually pays you back, follow these four critical steps:Exploit Your Advantage: Start where you have existing roots or currently live. Being a familiar voice that sounds like a neighbor, not a salesperson, gives you a massive edge.Calculate the Turnover Rate: This rate reveals how many homes sell annually. The calculation is the number of homes sold in the last 12 months divided by the total homes in the area. You want a sweet spot of 3% to 6%, where anything above 6% is considered "gold". Farms below 3% are too slow.Analyze the Competition: Look at who is already farming the area. If the neighborhood is saturated with six or more agents sending similar postcards, you're entering a "money pit" where you'll spend more and stand out less. One or two competitors is manageable, suggesting the area responds well to mail.Follow the Inventory and Price Point: Focus on areas where homes move regularly at strong, mid-range price points. Avoid areas where homes are priced so high they rarely move or so low that the commission can't sustain your marketing.12Maximize Your Farm Size for Six Figures:Most agents choose farms that are too small, often only 300 to 400 homes. For a six-figure income potential, the ideal sweet spot is between 1,200 to 1,500 homes. For example, if your commission averages $7,000 and you aim for $100,000 from your farm (requiring 15 closed homes), a 4% turnover rate means your farm needs about 1,429 homes.Stop gambling with your marketing and start investing in your business by choosing your farm intentionally.Join the free lunch and learn at thehyperlocalagent.com/class to get the formulas, maps, and examples for picking, measuring, and scaling your profitable farm

INTRO It's January. Everyone's planning. But most artists are tracking the wrong numbers—followers, likes, email subscribers, website traffic. In this episode, we cut through the noise and focus on the ONE metric that actually predicts everything else in your art business: new customers acquired per year. We'll cover: Why this single number matters more than anything else The "lineup problem" that keeps most artists stuck at 7-8 customers per year The 10x challenge: compete against your 2025 self, not other artists The compounding math that turns 70 customers into 1,500+ over 10 years Why "tending the garden" is the marketing shift you need to make A copy-paste AI prompt to build your entire 2026 plan in minutes THE PROMPT Copy and paste this into Art Helper, ChatGPT, Claude, Gemini, or Grok: I'm an artist planning my 2026 business growth. Help me create a customer acquisition plan. Here's my data from 2025: - Number of NEW customers acquired: [X] - My current product lineup: [list what you sell - wall art, prints, cards, originals, etc.] - Average price points: [list your price ranges] - How I currently get customers: [social media, art fairs, gallery, website, etc.] Based on the 10x framework: 1. Calculate my 2026 goal (10x my 2025 customers) 2. Break it down into monthly targets 3. Identify gaps in my lineup that could help me acquire more customers at different price points 4. Suggest 3-5 specific actions I can take each month to hit my target 5. Create a simple tracking system I can use Keep it practical and specific to my art business. I want to treat this like a real business, not a hobby. SOURCES Statistics cited in this episode: Repeat customers generate 300% more revenue than first-time buyers — Gorgias/MobiLoud Only 27% of first-time buyers ever return — RevolutionParts/MobiLoud 75% of purchases happen within 24 hours of discovery — Nielsen Norman Group/Guiding Metrics After 12 days, 90% of your conversion window is gone — Guiding Metrics 70% of online carts are abandoned, 80-90% never return — Baymard Institute (50-study average) Increasing customer retention by 5% increases profits by 25-95% — Bain & Company/Harvard Business Review Repeat customers account for 48% of all ecommerce transactions — SalesLion

In this episode of The Floral CEO Podcast, Jen walks you through a simple, real-world way to forecast your floral business revenue—using the bookings you already have (or want) to estimate your average wedding value, close rate, expenses, flower costs, labor, taxes, and ultimately how much you can pay yourself.Whether you're a newer florist or you've been in business for years but still feel unclear about money, this episode gives you a practical framework to stop guessing and start planning like a CEO.What You'll Learn (Key Takeaways)How to calculate your average wedding order value (AOV) so you can forecast incomeHow to use your close rate to estimate how many leads you need to hit your booking goalA simple “CEO math” approach to estimate:Flower/COGS percentagefixed monthly expenses (your “turn the lights on” costs)freelance laborsales tax/tax set-asidesprofit cushionowner payWhy guessing creates scarcity—and why forecasting creates confidenceHow to put this into a spreadsheet so you can make smarter decisions all yearThe Framework Jen Uses (Step-by-Step)1) Start with your funnel numbers (your real booking pipeline)Track these numbers:How many inquiries/leads you receiveHow many you respond to / have real conversations withHow many consults you bookHow many proposals you sendHow many you close (booked + contract signed)Close rate formula:Booked weddings ÷ proposals sent = close rateJen's note:If your close rate is very high, you may be underpriced (you're “too easy to book”).2) Calculate your average wedding value (AOV)Average wedding value formula:Total booked wedding revenue ÷ number of booked weddings = AOVThis gives you a usable “planning number” even if you have a few outliers.3) Forecast income based on your goal number of weddingsIf you want to go from 8 weddings to 20, you need 12 more weddings.Projected revenue formula:(Goal weddings × AOV) = projected gross revenue4) Estimate your cost of goods (flowers + supplies)If you're still learning sourcing/recipes, Jen recommends being conservative:30–35% as a planning range for flower costs (COGS)COGS formula:Projected revenue × COGS % = flower/supply costs5) Subtract fixed “lights-on” business expensesThese are costs like:websiteCanvaQuickBooks/bookkeeping softwareemail platformadmin tools/subscriptionsbusiness renewals/feesvehicle costs (if the business covers them)Fixed costs formula:Monthly fixed expenses × 12 = annual fixed expenses6) Add labor estimates (freelancers)Example logic from the episode:how many weddings need helphow many hours per weddinghourly ratenumber of staff-daysLabor formula:(Hours × rate × number of days/weddings) = labor cost7) Set aside taxes (don't get surprised later)Jen specifically mentions sales tax and recommends setting aside a percentage (often close to 10% in MN depending on location/rate, but use your local rate).Tax set-aside formula:Projected revenue × tax % = tax bucket8) Build profit into the business (a cushion)Profit is not “whatever is left.” It's intentional.Even starting with 5–7% gives you a cushion for growth:cooler purchaseeducationequipmentupgradesemergency bufferProfit formula:Net-after-costs × profit % = profit bucket9) What's left can become owner's compensation (pay yourself)After subtracting:COGSfixed costslabortaxesprofit…the remainder is what you can use to pay yourself (owner's comp), then plan for income taxes/self-employment taxes depending on your setup.Practical Action Steps (Do This This Week)Make a simple spreadsheet with columns for:inquiriesconsultsproposalsbookingsclose rateList your booked weddings and total revenue → calculate your AOVChoose your booking goal (ex: 20 weddings)Forecast gross revenue (goal × AOV)Pick conservative COGS % (30–35% if you're still dialing in recipes)Estimate annual “lights-on” expensesEstimate freelancer laborCreate 3 buckets in your business:tax set-asideprofit cushionowner payReview the final number and ask:“Is this enough for the life I want?”“What needs to change: price, volume, efficiency, or offers?”Mentioned in This EpisodeBook RecommendationProfit First by Mike Michalowicz (Jen's foundational framework for building profit and paying yourself consistently) https://a.co/d/1s9O2mm

In this episode of “Run a Profitable Gym,” Two-Brain founder Chris Cooper explains why gym owners need to stop consuming clickbait speculation about CrossFit's sale and start working on what actually matters: their businesses.Stop paying the “distraction tax”—hours spent watching videos, scrolling comments and worrying about things you can't control cost you opportunities to generate revenue, build client relationships and preserve decision-making capacity.To give you a concrete plan to improve your business in a time of uncertainty, Coop walks through a five-step process you can use to objectively measure the value of any gym affiliation using real numbers:✅ Check local search volume for the brand✅ Track where your leads come from✅ Calculate marketing ROI with a simple formula✅ Measure revenue from affiliation programs✅ Assess retention value among engaged membersIf you decide to rebrand, Chris also covers the true costs, from domain changes and social media updates to new signage and content, so you understand what's actually required.The key takeaway: CrossFit LLC (or any brand affiliation) has never had less impact on your success than right now. Your coaching, client relationships and business systems actually drive results.Watch this episode to get the decision-making framework that will help you make smart, data-driven choices about affiliation. Then get back to work.LinksMeasuring the Value of AffiliationThe True Costs of RebrandingGym Owners UnitedBook a Call1:09 - Don't get distracted2:53 - Help with affiliation decision9:31 - A rebranding plan12:48 - Get back to work14:15 - The decision to make now

What happens when you set your goals as if the start of the year is a blank slate? In this episode, I am looking at the reality that you are already carrying client work, ongoing commitments, and your personal life into the new year. The key to making steady progress is understanding the whole cost of your goals so you do not overextend yourself or your team.   I am sharing the number one consideration you need before setting your 2026 goals and why the whole cost matters for every decision you make. You will learn how to break goals into manageable steps and choose priorities that match your capacity rather than your wish list. This approach will help you plan with confidence and choose goals that you can follow through on all year long.   Get full show notes, transcript, and more information here: https://www.desicreswell.com/161   Sign up for Create Your 2026 Roadmap to join us on January 9th and 16th, 2026: https://www.desiid.com/2026roadmap   Sign up for my Monday Mindset email list to get bite-sized insights on topics that you can use to set your week up for success: https://www.desicreswell.com/monday-mindset   Follow along or send me a message on Instagram: https://www.instagram.com/desicreswell/

The first Saturday episode of each month this year, we will focus on a key component of a financial plan – including spending, investing, insurance, retirement planning, estate planning, and taxes. If you follow along with us throughout 2026, you will end this year in the best financial shape possible — perhaps in the best shape you've ever been.First up is a healthy helping of “financial truth serum.” Robert Brokamp speaks with Foolish colleague and Certified Financial Planner Amanda Kish about the five steps to documenting all you own, all you owe, and where your money is going: 1. Choose a when and how2. Complete your full financial inventory3. Track your spending for 30 days4. Calculate your personal net worth5. Establish your “Financial Baseline Summary”Have your own tips, tricks, tools, and recommendations for tracking your net worth, spending, and progress? Email them to podcasts@fool.com by Tues., Jan. 6, and we may read your suggestions the following episode. Host: Robert BrokampGuest: Amanda KishEngineer: Bart Shannon Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, "TMF") do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on Your Money, Your Wealth podcast 562 (an encore of episode 513), Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW listeners in their 40s who are ready to call it quits at work, become financially independent, and retire early. Can they afford to do it? Peter and Joanna want to retire in the next two years. Burned Out and Ready to Retire wants out of his toxic office. If Maryland Chicken Man never earns another dollar, how much can he afford to withdraw from his retirement accounts each year? And Suzanne in Massachusetts is 69 and needs $60K a year for the next 30 years. Is she all right? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-562 (full show notes & episode transcript) 2025 Key Financial Data Guide - free download 10 Big Retirement Regrets to Avoid (Before It's Too Late)  - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:30 - We're 45 and 44. Can We Retire in the Next 2 Years? (Peter & Joanna, NJ) 10:45 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your Free Financial Blueprint 11:44 - I'm 42 and I Work in a Toxic Office. Can I Afford to Retire? (Burned Out and Ready to Retire, NJ) 21:53 - Download the 2025 Key Financial Data Guide for free 22:53 - I'm 69 and Need $60k/Year for the Next 30 Years. Am I All Right? (Suzanne, MA) 25:40 - I'm 45. If I Never Earn Another Dollar How Much Can I Withdraw Every Year? (Maryland Chicken Man) 35:15 - Outro: Next Week on the YMYW Podcast

Are your photography rates leaving you busy, booked, and broke? In this episode of Beyond the Image, James Patrick breaks down exactly how photographers can calculate sustainable rates that cover their cost of doing business, desired income, and all the hidden hours spent editing, marketing, and running their business. Learn step-by-step formulas to figure out your true hourly rate, price your shoots correctly, and turn every session into profit through usage, upsells, and add-on services. Whether you're a portrait, commercial, editorial, or lifestyle photographer, this episode gives you practical tools to stop undercharging, attract the right clients, and grow a profitable photography business. Stop guessing your rates—start calculating them the right way. Connect with James Patrick at JamesPatrick.com

Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, how much is enough for retirement and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode:  https://bit.ly/ymyw-561 (full show notes & episode transcript) DOWNLOAD The Going Solo Guide for free WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH) 08:41 - Navigating Finances When Separating from Your Spouse (Sebastian, VA) 15:13 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free 15:42 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO) 28:31 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet) 38:50 - Calculate your free Financial Blueprint 39:20 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR) 51:00 - YMYW Podcast Outro

Before you buy your first (or next) real estate deal, you need to know one thing—how to calculate cash flow on a rental property.  The problem? 99% of investors do this wrong and get burned as a result. That's why after buying dozens of rental properties, we've come up with arguably the most accurate way to calculate real estate cash flow, and today, we're showing you how to do it, too. Joining us is Ashley Kehr from the Real Estate Rookie podcast, who's been buying rentals routinely for over ten years now. We'll use the BiggerPockets Rental Property Calculator (which you can try for free!) to run numbers on a real rental property Dave is looking to buy right now. You'll learn exactly how to estimate both fixed and variable expenses, how much emergency reserves to set aside, how to account for property management fees, vacancy, repairs, and more, plus what to do to instantly boost your potential cash flow before you buy! In This Episode We Cover How to calculate cash flow on any rental property before you submit an offer The easiest way to increase your cash flow if it's not hitting the mark What a good deal looks like to Ashley and Dave (when they'd submit an offer) How to estimate your expenses (accurately) so you get the most cash flow possible  How much cash flow should you be making in 2026?  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1212 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is the Wholesale Hotline Podcast (Brent Daniels Show Edition), the best 120 minutes in wholesaling education -- live with Brent Daniels.Today's episode is part of our Throwback Series where we re-air some of our most popular shows. This episode originally aired on 1/21/2025.Show notes -- in this episode we'll cover:Brent answers your questions live.Knowledge from Brent and some of the best wholesalers in the industry.The most important news affecting the wholesaling industry.Your weekly dose of wholesaling motivation.Interviews with industry experts and successful wholesaler.Please give us a rating and let us know how we are doing!➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖☎️ Welcome to Wholesale Hotline & TTP Breakout