Podcasts about calculate

How do you know if you're charging the right fees, tracking the right numbers, or investing enough in marketing to grow your clinic? Join Dr. Stephen and Dr. Josiah Fitzsimmons of Lucro to answer those exact questions and share a clear path to building a profitable, purpose-driven practice. Together they walk through the numbers that matter most—lifetime value, customer acquisition cost, conversion rates, and schedule capacity—and show how to use them as tools for confident decision-making. Dr. Josiah's journey went from scaling to $15M, weathering a steep drop to $5M, and rebuilding stronger than ever with a $7M practice and a mission-driven model. Taking this experience and new found appreciation of REALLY knowing your numbers: his new book-keeping business, Lucro, is helping other chiropractors simplify their data and find profit margins they can reinvest into people, technology, and marketing. By combining structure with purpose, you'll discover how to grow without guesswork and create a patient experience that drives both retention and impact.In this episode you will:Learn a quick break-even ROAS rule using your true profit margin. See why most clinics underspend on marketing and how to set CAC targets with confidence. Find the conversion-rate “sweet spot” that signals it's time to raise prices. Calculate real schedule capacity and close the gap between potential and actual volume. Upgrade the care experience to increase PVA and lifetime value. Episode Highlights02:35 See how structure, KPIs, and accountability create the foundation for a scalable clinic.03:30 Understand the five business domains and how removing one constraint unlocks expansion.04:33 Hear how early discipline and work ethic shaped Josiah's leadership journey.05:28 Discover how visiting more than 50 clinics before opening led to a seven-figure first year.06:42 Find out what other industries taught Josiah about structure, metrics, and scalability.07:34 Learn how applying the TRP operating system turned frustration into growth and momentum.08:58 Understand why knowing your numbers matters less than knowing what to do with them.09:51 See the difference between operational metrics and financial metrics and why both are essential.12:12 Explore the four Ps of a successful clinic—purpose, product, people, and profit.14:27 Learn how profit creates freedom to invest in marketing, people, and technology.16:38 Understand why undercharging limits impact and weakens your ability to serve.19:17 Discover how to calculate and use the LTV-to-CAC ratio for smarter marketing decisions.22:50 Learn a simple formula that shows your break-even return on ad spend.25:21 See how using data instead of emotion builds clarity and calm in decision-making.27:16 Understand how your conversion rate reveals when it's time to raise prices.30:04 Learn how to measure schedule utilization and close the gap between potential and reality.32:45 See why most clinics run at only a fraction of capacity and how to change that.34:18 Discover how retention, education, and value delivery increase lifetime patient relationships.35:33 Learn how to design a “Disney Experience” that makes care memorable and personal. Resources MentionedTo learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceoBook a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPCPrefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

Jerry developed a revolutionary calculator to determine the offer price for wholesaling on any house without comping and without estimating repairs. On this podcast, he reveals the newest version updated for 2026.FREE Instant Offer Calculator:http://FreeOfferCalculator.comGet Jerry's AI deal analyzer:http://GetAskJerry.comThis podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping!  https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.    **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

PFR Nation, As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I'll address three more! Here they are:1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”2.       “I've set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”3.       “How do we pay for health care before Medicare?”You're not going to want to miss this one, and hope you find it useful!  Thanks for tuning in. -Kevin  Resources Mentioned in this Episode:Genworthand Carescout Cost of CareThe ACA Premium Tax Credits AreChanging in 2026! (PFR Video)Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

If you're staring down a mile-long to-do list, still editing 10 hours a day, and wondering how you're supposed to keep this pace up until the end of the season—this episode is for you.Sara shares the real reason most photographers stay stuck in the hustle-then-crash pattern… and the one number that can change how you work, rest, and grow moving forward.In this short, powerful episode, you'll learn how a free 3-minute tool can help you: ✔️ Calculate the cost of reclaiming 5, 10, or even 20 hours a week—without sacrificing income or quality ✔️ Discover your Freedom Hourly Rate (and how to actually hit your income goals without burnout) ✔️ Understand HOW to continue building your photography business in a way that honours your time, energetic, and creative needs, while making great money at the same time!If you've ever said, “I just need a break…” this is your moment.

Welcome back to another episode of the Business Builders series. This week, I'm diving into one of the most common questions I get asked — how much should I be paying myself? Whether you're just starting out or years into business, figuring out your own pay can feel confusing and even emotional. In this episode, we break it down step-by-step so you can understand your true value, create a sustainable pay structure, and start treating yourself like the CEO you already are.Key topics covered:Why your business should exist to serve your life — not starve itThe two ways you get paid as an owner: for your role and as a shareholderHow to figure out what it would cost to replace you in your businessThe risks of both underpaying and overpaying yourselfHow to build your salary into your financial model and start reverse-engineering profitChallenge:Get clear on your numbers!Decide what enough looks like for you — what income do you personally need to feel secure?Calculate what your business should be paying to replace you for the roles you fill.Once you know these two numbers, you'll have the clarity to start building your pay plan like a true CEO.Mentioned in this episode: Faire, the largest wholesale marketplace connecting over 120,000 brands and retailers. Staci shares how Faire helps shop owners source unique products, offers flexible 60-day payment terms, and gives brands global visibility without cold pitching—creating a true win-win for small business growth.Retailers who are new to Faire can visit www.faire.com and use code SMBSCHOOL10 at checkout for 10% off their first order.Staci's Links:Instagram. Website.The School for Small Business Podcast is a proud member of the Female Alliance Media. To learn more about Female Alliance Media and how they are elevating female voices or how they can support your show, visit femalealliancemedia.ca.Head over to my website https://www.stacimillard.com/ to grab your FREE copy of my Profit Playbook and receive 30 innovative ways you can add more profit to your business AND the first step towards implementing these ideas in your business!

On today's episode as part of the Fit Girl Fall series, I am sitting down to discuss two ways to approach calculating your calories for fat loss regardless of if you want to track your food intake. Determining your target calorie deficit is an important core step towards your journey to losing body fat because without context into how much you should be eating, it's very challenging (if not impossible) to determine the daily food plan you should be following. For this reason, I'll be sharing two methods I use with clients to help you determine how much you should be eating for results. The first method is rooted in science and numbers, while the other method is less invasive into your lifestyle and instead uses how you currently eat in your real-life to help guide how to get into a calorie deficit. By the end you'll leave this episode with knowledge on how to determine how much you should be eating and how to apply this information to your daily life to begin seeing fat loss on both your body – and the scale. Join the 31 Day Fit Girl Fall Challenge HERE Grab the Fat Loss Calorie Calculator HERE 1:1 Coaching with Lauren and Our Team of Dietitians: HERE To connect with Lauren, click HERE Submit your question for advice from Lauren on the show HERE Take the free Weight Loss Personality Quiz HERE Shop Our Meal Plans HERE Get Support & Personally Work With Us HERE Related Episodes:

Welcome to the Wholesale Hotline Podcast Weekend Edition (Flipping Mastery Edition), where Jerry teaches how to master the art of house flipping, wholesaling, and new construction development. Show notes -- in this episode we'll cover: Straightforward, step-by-step training on making six and seven figures from real estate deals. Insider tactics for finding motivated sellers, analyzing deals, and raising private money. Learn how to flip houses virtually from anywhere—even with zero experience. Whether you're a beginner or scaling up, Jerry gives you the blueprint to build real wealth through real estate.    Please give us a rating and let us know how we are doing! ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖  ☎️ Welcome to Wholesale Hotline & Flipping Mastery Breakout! ☎️ Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.   **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or 888) 958-3028.  ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖  

Understanding cash flow is one of the most important skills in real estate investing, but it doesn't require being a math expert. Kris Krohn breaks down the simple formula for calculating investment cash flow and shows how to evaluate deals with confidence. Learn how to avoid costly mistakes, predict your returns, and consistently generate a strong ROI on your real estate portfolio.

Send us a textTired of weight loss advice that leaves you more confused than when you started? You're not alone. In this straightforward episode, I cut through the noise to reveal exactly how your body burns calories and what that means for your weight loss journey.Did you know your body burns hundreds of calories daily just keeping you alive? Even more surprising: every pound of muscle on your frame burns an additional 7-10 calories while you're doing absolutely nothing. This is why understanding your Basal Metabolic Rate (BMR) is the critical first step toward effective weight management.Using clear examples and practical math, I walk through the precise formula to calculate how many calories your unique body needs. You'll discover why a 200-pound person with moderate activity needs nearly 3,000 calories daily just to maintain weight, and how creating a simple 500-calorie deficit leads to steady, sustainable fat loss without feeling deprived.We also explore the fascinating world of macronutrients, revealing why protein deserves special attention in your diet. Not only does your body burn 20-30% of protein's calories just digesting it, but there's limited evidence showing protein calories efficiently convert to body fat. Could this explain why high-protein diets work so well?For those who enjoy social drinking, I share the sobering math behind alcohol consumption. A single margarita can pack 500 calories—the equivalent of an entire pound of fat if consumed daily for a week. Understanding these numbers gives you the power to make informed choices without giving up everything you enjoy.Ready to take control of your nutrition with confidence? This episode provides the practical framework you need without complicated diet rules or restrictions. Calculate your numbers, prioritize protein, choose foods you genuinely enjoy, and transform your relationship with eating for life.Subscribe now and share this episode with someone who's been struggling with weight loss. Remember, fitness is medicine—and understanding your caloric needs is the prescription most people are missing.Support the showLearn More at: www.Redefine-Fitness.com

In this solo episode, host Kara shares six powerful lessons she wishes she could tell her younger entrepreneurial self. Fresh from an inspiring retreat with business coach Jen Cadmore in Scottsdale, Arizona, Kara reflects on the key insights that could have accelerated her business journey. These aren't just personal revelations—they're wisdom gleaned from interviews with high-level entrepreneurs and proven strategies for building a purposeful, successful business.Episode Topics:Understanding Fear is Normal - Why successful entrepreneurs still get scared and do it anywayTrusting Your Intuition - Learning to distinguish between ego voice and divine guidanceIt's Okay Not to Be Liked by Everyone - Embracing authenticity over people-pleasingYour Business Can Be Your Ministry - Using business as a vehicle for serving othersMaking Space for Pause - The importance of quarterly check-ins and reflection timeHiring Sooner Than You Think - Shifting from expense mindset to investment thinkingInsights:✨ Fear is universal among successful entrepreneurs - The difference is they feel the fear and take action anyway✨ Intuition requires practice - Learning to quiet the negative ego voice to hear divine guidance clearly✨ Authenticity attracts the right people - Being true to yourself naturally draws your ideal clients and community✨ Business as service creates success - When God uses your business to serve others, success becomes inevitable✨ Quarterly reflection prevents course correction - Simple 1-2 page business plans with regular check-ins keep you aligned✨ Calculate your hourly income - Divide annual earnings by 1,800 hours to determine what tasks to delegateHighlights:00:00 Welcome and Intro 03:08 Understanding Fear in Business Decisions 05:35 Trusting Intuition for Decision Making 06:35 Intuition and Self-Trust 12:38 Making Space for Pause 19:46 Podcast episode ended Love this episode? Please rate, review, and share with someone who needs to hear these entrepreneurial truths!Ready to implement? Start with the income-per-hour calculation exercise to identify what you should be delegating, and schedule your first quarterly business reflection session.Connect with Kara to share your thoughts on the series:Website - http://www.kcdrealestate.com/ Email - kara@kdcrealestate.com Instagram - https://www.instagram.com/karachaffindonofrio/ Facebook - https://www.facebook.com/karachaffin1?_rdc=1&_rdr YouTube - https://www.youtube.com/user/KaraChaffin LinkedIn - https://www.linkedin.com/in/karachaffin/ Don't forget to visit freegiftfromkara.com for our special giveaway, the Dynamic Life Journal to help you maintain your authentic voice and intuitive wisdom while navigating the balance between...

Pick a number, any number … well, you can … if you have a calculator like POCKETCALC The post CALCULATE ANYTHING WITH POCKETCALC! appeared first on sound*bytes.

When Calculus Meets Heart: Stand and Deliver Gets the Math TreatmentWelcome to this episode of The Most Excellent 80s Movies Podcast! Hosts Krissy Lenz and Nathan Blackwell tackle the 1988 inspirational drama Stand and Deliver, starring Edward James Olmos as real-life teacher Jaime Escalante. This episode dives into whether this classroom classic still holds up or if it's just another case of sitting through endless math problems.The Good, The Bad, and The CalculusThe hosts appreciate Edward James Olmos' committed, Academy Award-nominated performance—he even underwent hair thinning for the role and followed the real teacher around for research. Lou Diamond Phillips also shines as Angel, the charismatic bad boy with hidden depths. However, Krissy and Nathan find themselves wanting more emotional depth and character development. They argue that while the movie succeeds as inspiration, it fails to show the real struggles and motivations that would drive these students to commit so deeply to advanced mathematics.The discussion takes an interesting turn when they question the practicality of teaching calculus versus life skills like tax accounting. They also critique the film's structure, noting that despite being billed as a comedy, it's more of a straightforward drama that keeps viewers at arm's length from the action. The hosts give Stand and Deliver a solid 6 out of 10, appreciating its heart while acknowledging its limitations.Additional Thoughts:The movie should have been called "Sit and Calculate" given how much sitting and math occursMore scenes showing students' home lives and personal struggles would have strengthened the narrativeThe ending needed more follow-up on what happened to these students after passing their AP examsEdward James Olmos deserved the Oscar over Michael Douglas that yearThe film lacks the dramatic tension found in other inspirational teacher moviesFinal VerdictWhile Stand and Deliver remains an earnest tribute to dedicated educators and student potential, the hosts feel it plays things too safe. It's a movie that works better in memory than on rewatch, though Olmos' powerhouse performance still delivers the goods.Ready to join the conversation about your favorite 80s movies? Learn more about The Most Excellent 80s Movies Podcast and get early, ad-free episodes plus bonus content by becoming a member at trustory.fm/join. Connect with the show on Facebook, Instagram, and Bluesky. Check out Nathan's filmmaking at Squishy Studios and catch Krissy live at the Neighborhood Comedy Theatre.What's your take on inspirational teacher movies—do they still motivate you, or do you find them lacking in real-world practicality like our hosts? ---Learn more about supporting this podcast by becoming a member. It's just $5/month or $55/year. Visit our website to learn more.

Wendy and Joe in Colorado ran the numbers, and their financial planning software says they'll have over $10 million when they pass. Wendy's wondering if they should continue converting to Roth while working, despite their high tax bracket. But has the software lulled them into a false sense of security? That's today on Your Money, Your Wealth® podcast number 548 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, which is smarter for "Kurt and Courtney" in New York: aggressively paying down their mortgage, or putting their extra money to work in the market before Kurt retires early in 20 years? Finally, when does it stop making sense for high-earners "Tim and Faith" in Boston to contribute to their Roth? The fellas duke it out on this one (and we figure out, based on our earliest musical interests, which era we're each children of.) Free Financial Resources in This Episode: https://bit.ly/ymyw-548  (full show notes & episode transcript) Pay Off the Mortgage? - YouTube playlist - Spotify playlist DOWNLOAD The Retirement Readiness Guide WATCH 4 Hard Truths About Retirement You Need to Face on YMYW TV Financial Blueprint (free, self-guided) Financial Assessment (free, 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 01:11 - Financial Software Says We'll Have $10M. Should We Continue Converting to Roth While Working, Despite Our High Tax Bracket? (Wendy, Loveland, CO) 16:35 - Watch 4 Hard Truths About Retirement You Need to Face on YMYW TV, Download the Retirement Readiness Guide 17:37 - What Are the Pros and Cons of Paying Off Our Home Before I Retire Early? (Kurt & Courtney, NY) 31:54 - Pay Off the Mortgage: YMYW Podcast Playlists on YouTube and Spotify, Calculate your free Financial Blueprint 32:51 - We're Late 40s With $3M + $2M RSUs. Continue Contributing to Tax-Deferred? Are We On Track for Retirement at 55 or 60? (Tim & Faith, MA) 46:15 - Next Week on the YMYW Podcast 46:37 - YMYW Podcast Outro

Imagine going from working warehouse shifts to keep your family afloat to owning a portfolio of over 140 rental units and multiple laundromats. That's Brandon Turner's real-life story, and it's one you have to hear. He found a secret most online gurus miss: while everyone's chasing the same digital dreams, real wealth is hiding in 'boring businesses' with way less competition.In this chat with our host Ryan Atkinson, Brandon gets super specific on how he built his empire. He walks us through his playbook for buying a business, using creative finance, and setting up brilliant business scaling systems so he only works a few hours a week. If you're looking for a realistic path to passive income, finding business ideas, and achieving genuine financial freedom, this episode is a total game-changer. It's your sign to stop scrolling and start building something real.Takeaways:- True wealth is often built in "boring businesses" like laundromats and car washes, which are overlooked because they seem like hard work. - The primary advantage of boring businesses is low competition; it's better to compete with five local owners than one billion people online. - A single, well-placed laundromat can generate significant income, potentially over $175,000 in net profit per year.- These businesses are not passive initially. They require significant front-loaded work to establish robust systems and processes before they can run with minimal effort.- To vet a laundromat location, look for a geographic area with around 7,500 people and a renter population of at least 35%, as customers rarely travel more than a mile.- Calculate the long-term value of your time. A task that seems menial is worth it if the business's 10-year opportunity averages out to $1,500+ per hour.- Many aging small business owners haven't updated their processes in decades, creating a massive opportunity for new buyers to modernize and drastically increase profits.- To learn an industry with no experience, offer to work for free at a local business. Most owners will gladly accept free, competent help in exchange for teaching you the ropes.- The single most important skill for scaling any business is learning how to effectively manage other people.- For a business, you can start this weekend for under $500, considering small engine repair. There is a huge demand, and many repairs are simple carburetor cleanings that you can charge $100+ for.Tags: Passive Income, Entrepreneurship, Business Buying, Investmentjoy, Car Wash, Vending Machine, Business Scaling, Boring BusinessesResources:Grow your business today: https://links.upflip.com/the-business-startup-and-growth-blueprint-podcast Connect with Brandon: https://www.instagram.com/investmentjoy/

"The real magic lies at the intersection between eating, moving, and sleeping. If you can do all three well, it will improve your daily energy and your odds of living a long, healthy life,"  That's a quote from Tom Rath, author of Eat Move Sleep. The three most important factors in you becoming more productive, focused and motivated each day. You can subscribe to this podcast on:  Podbean | Apple Podcasts | Stitcher | Spotify | TUNEIN Links: Email Me | Twitter | Facebook | Website | Linkedin The Time-Based Productivity Course Get Your Copy Of Your Time, Your Way: Time Well Managed, Life Well Lived The Time Sector System 5th Year Anniversary The Working With… Weekly Newsletter Carl Pullein Learning Centre Carl's YouTube Channel Carl Pullein Coaching Programmes Subscribe to my Substack  The Working With… Podcast Previous episodes page Script | 385 Hello, and welcome to episode 385 of the Your Time, Your Way Podcast. A podcast to answer all your questions about productivity, time management, self-development, and goal planning. My name is Carl Pullein, and I am your host of this show.  Don't skip the basics. For me, this was a hard lesson to learn. I used to stay up late to finish work or watch TV. I'd skip my exercise or allow myself to get involved in meetings I didn't really need to attend—just to feel a part of something.  And I would eat rubbish—cereal for breakfast, sandwiches and rice or fries for lunch and pizza for dinner.  And I felt it. I was tired, unproductive, and did not know where I was going. My weight kept going up and up, and every day felt like a drudge. I would wake up, feel horrible, go to work, come home, collapse onto the sofa, turn on the TV, and escape the real world.  It was easy to blame everyone else. My boss, my colleagues, my customers, the weather, where I lived, the company, etc.  Yet, it wasn't anyone else's fault. It was mine.  I had allowed myself to wallow in self-pity. That was a choice.  I cannot say there was a particular moment that changed me. It was more a gradual change.  What I learned, though, was that creating an enjoyable, exciting, and fulfilling life started with getting the basics right.  And that is what this week' question is all about. What are the basics, and why do they matter? So, with that said, let me hand you over to the Mystery Podcast Voice for this week's question. This week's question comes from Ali. Ali asks, hi Carl, my life's a mess. I stay up all night watching TV or YouTube videos, and then wake up late and have to rush to get to work. Then at work I feel tired and unmotivated all day. What can I do to have some better habits?  Hi Ali, thank you for your question.  The first step would be to read James Clear's Atomic Habits. It's a brilliant book, that explains how habits work, how to create your own and does all that in a simple step by step approach.  The next step is to understand some time tested basics. One of the many reasons why anyone would feel demotivated about the day is they are not clear on what is important to them.  Not everyone wants to be supremely fit and sporty and that's fine. You don't have to be. But it's equally true no one wants to die prematurely.  As Steve Jobs said in his famous commencement address in 2006 "No one wants to die... even people who want to go to heaven don't want to die to get there" To find your purpose, or simply the motivation to jump out of bed each morning go through the Areas of Focus workbook. It's free and you can download it from my website.  This will give you the eight areas of life that should be in balance.  Those eight are: Family and relationships Career or business Health and fitness Finance Lifestyle and life experiences Self development Spirituality Life's purpose Now, when I say in balance, it means defining what each one means to you. For example, for your finances area of focus could be something as simple as “I live within my means and not over spend on trivial things” or your lifestyle and life experiences could be “I live in a clean and tidy home”. Getting these eight basics of life in balance will give you some purpose each day. Living in a clean and tidy home may mean that before you leave to go to work, you make your bed and wash the dishes.  To keep your finances in check, you may decide to do a weekly or monthly budget to track how you are spending your money.  That becomes a habit. It's a must-do.  None of these takes a lot of time, but they help to keep your areas of focus in balance.  Now onto another important factor. One of the things I've noticed about highly motivated and successful people is they have some structure in their lives.  They wake up at the same time each day, they follow a morning routine and have some structure for the rest of the day. That could be exercising at the same time each day or just going for a walk at the end of the day to decompress. Apple's Tim Cook, for example, starts his day with an extremely early wake-up, around 3:45 AM, to read emails from customers and employees before heading to the gym for an hour of exercise. He eats a healthy breakfast, gets coffee, and then begins his workday. I recently wrote about Hercule Poirot, the Agatha Christie detective in many of her novels in my weekly newsletter.  Poirot was obsessive, it's true. He was immaculately turned out at all times. Yet he had structure to his days. Breakfast was at the same time each day and he had his famous tisane (a kind of herbal drink) served in the same glass.  What draws me to Poirot is that fastidiousness. Nothing was rushed. The only things that ever bothered him was if his routines were interrupted. Perhaps not a good thing, but it did enable him to have a purpose each day. If he was taking a holiday, he refused to entertain any work. He was resting his “little grey cells” and that was the purpose of the holiday.  When he was working he was engaged completely. He actions were methodical and deliberate. I know Poirot is a fictional character, but in fictional characters there's always a grain of truth somewhere.  Perhaps Poirot's obsessiveness for order and structure, was motivated by someone somewhere.  The one thing I've learned is if you're not getting the basics right, then everything else falls apart. The basics are your daily routines. Your sleep schedule, what and when you eat and stepping away from screens and moving.  They are not difficult to do, but without one essential ingredient, you won't do them. That ingredient is self-discipline.  You need discipline to get out of bed on a cold, wet morning. You need discipline to say no to that plate of unhealthy food, and you need discipline to turn off the TV and go to bed at the right time.  I often shy away from advising people to develop their self-discipline because it's hard to do. And these days I find many people have simply given up and just tell themselves they have no self-discipline and that they never have had.  They will look back in their lives to find examples and use that to prove it to themselves. Ignoring the fact that there will also have been examples of them being disciplined.  It's complete rubbish for anyone to say they lack self-discipline. It's innate and inside all of us. But, like a muscle, if you don't use it, it will weaken. But never disappear entirely.  Strengthening your self-discipline isn't particularly difficult. As Admiral McRaven said in his Texas University Commencement address—begin the day by making your bed. Is that so difficult? It's one thing, but it's the start of strengthening your self discipline.  Now you mentioned that you want better habits. What would you consider to be “better habits”?  That would be the place to start.  I've never been a good sleeper—as a consequence I fell into the trap of believing it was “just the way I was wired”. Of course, that's not true.  In January I made a commitment to myself I would be in bed no later than midnight. It was a struggle, but I persisted. Now, nine months later, I'm in bed consistently at midnight and my sleep is better than ever.  It took a bit of self-discipline for the first week or two, but soon it was a habit.  Changing your sleep habit is straight forward. Calculate how much sleep you need, then decide what time you want to wake up, and work backwards.  So, if you discover that you need seven hours sleep and you want to wake up at 7:00 am, then you need to be in bed by 11:30 pm. (It's not like we instantly fall asleep when we get into bed)  Another thing you mentioned, Ali, is you lack motivation at work. That may be a bigger issue. If work is demotivating you, it's also draining you of purpose. That's where I would spend some time analysing. When your purpose is drained, that has a big effect on your mental energy.  What is it about your work that is demotivating?  If it's just a stage—we all go through that at times—what can you do to find some purpose. Perhaps you could set yourself a target. Sell X amount of products, solve a particularly difficult problem for your team or do something to improve your own workflows and processes. If it's bigger than that and it's about the job itself, then it may be time to begin looking at alternative jobs. It doesn't mean you have to quit your current job, what it means is you begin looking at alternatives.  What kind of work would motivate you?  It's perfectly okay to accept that you made a mistake in your choice of career. That does not mean you are stuck with that mistake. You can change careers at any time. I've been a hotel manager, car salesperson, a lawyer and teacher.  The hardest part for me was accepting that the legal profession was not for me. I'd spent six years in school and training, but after graduating and working in a law office, I soon found myself hating it.  I felt I was in a day release prison. I had to sign in at 9:00 each morning and was not allowed to leave until 5:30 pm. During that time it felt I was chained to a desk only being allowed to move to go to the bathroom.  It was hard to accept I had made a monumental mistake. But the thought spending the next twenty-five years stuck behind a desk was terrifying. I had to change my career. That was when I came to Korea—I told myself it would be for one year and during that time I would think about my future.  I was lucky, I fell in love with teaching, loved the way of life in Korea and met some amazing people. At the end of the first year, there was no way I was going to go back to the UK. So, when my employer in Korea asked if I wanted to sign an extension to my contract, I ask, where's the pen?  Twenty three years later, I'm still here. Doing what I love day in day out.  Sometimes, we have to do the unthinkable. I remember my friends telling me I was mad to give up a career in law to become a teacher in a foreign land. But I knew deep down I was not cut out to be a lawyer.  So, Ali, take a step back. Ask yourself what needs to change. Do you have the basics right? Are you getting enough sleep, moving enough and eating right?  If not, focus your attention there. Build some habits around those three areas.  Then look at your career. Are you happy? If not, what alternatives could you look at. Remember, you do not have to quit your job to do this. Perhaps you decide to go back to school and learn a new skill, or simply to change the way you work—you processes and workflows.  I should add, you do not have to rush this. Just getting the basics right will bring you better focus and energy. From there you can decide what to do next that will bring some purpose back into your life.  I hope that has helped, Ali. Thank you for your question and thank you to you too for listening.  It just remains for me to wish you all a very very productive week.   

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

You track your steps and maybe even your calories. But do you track what it really costs to live each month? It’s easy to overlook, but your personal cost of living is one of the most important numbers in your financial life. And if you don’t know it, you may be spending in ways that don’t reflect your values—or your faith. On the next Faith & Finance Live, Rob West will show you how to figure it out and why it matters. Then, it’s on to your calls. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

Do I Calculate It?

We heard your feedback, and today on Your Money, Your Wealth® podcast number 546, Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing retirement for the not-so-fat wallets: Joe and Masako in Washington state and Reid in Indiana have less than a million saved. Can they still accomplish their retirement goals in their 60s? Mr Buckeye in Ohio and Old Macdonald in Maine have less than a million saved, and Curt in Pennsylvania has less than $1.5 million saved. Can they retire early - in their 40s and 50s?    Free financial resources & episode transcript: https://bit.ly/ymyw-546 DOWNLOAD The Going Solo Guide WATCH Going Solo: Navigating Your Financial Future Single on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:36 - We're 59 and 65 with Less than $1M. Can We Still Accomplish Our Retirement Goals? (Joe and Masako, WA state) 08:18 - We're 33 with $200K. Can We Retire at 65 and Spend $159K/Year? (Reid, IN) 15:58 - Calculate your Free Financial Blueprint 16:32 - We're Early 40s With $795K. Can We Retire at 55? (Mr Buckeye, OH) 28:38 - Watch Going Solo: Navigating Your Financial Future Single YMYW TV, Download the Going Solo Guide 29:25 - I'm 43 With $50K and a Paid Off House. Can I Retire ASAP? (Old MacDonald, Limington, Maine) 37:35 - I'm 35 With $1.4M. Can I Retire at 45 and Spend $75K/year? (Conshohocken Curt, PA) 49:04 - Next Week on the YMYW Podcast 49:23 - YMYW Podcast Outro

This Podcast Is Episode 644, And It's About Five Hidden Ways Contractors Lose Profits (And How To Stop It) Where did the money go? If you've ever looked at your bank account at the end of a busy month and thought, "I did all that work—so where did the money go?", you're not alone. This is one of the most common frustrations we hear from small business owners in the construction industry. You're booking jobs, staying busy, and delivering great work—but the profit doesn't seem to match the effort. As construction bookkeeping specialists, we've seen behind the numbers of dozens of small contractors. And time and again, we find the same hidden leaks draining their profits. The good news? Once you know what to look for, you can fix them—and finally start keeping more of what you earn. Here are five common ways contractors lose profits (without even realizing it)—and what you can do to stop the leaks. 1. Untracked Labor Hours: Working More Than You Billed Labor is often your most considerable cost. But for many small contractors, labor tracking is one of the weakest parts of their system. If you (or your crew) aren't logging actual hours worked on each job, you're likely underestimating how much time the project really took. That means you're effectively working for free on those "extra" hours. Real example: A contractor estimated a bathroom remodel at 40 hours of labor. The job actually took 55 hours. At $50/hour, that's $750 of lost profit—just from labor under-tracking. Multiply that across several jobs, and you can see how the profits evaporate. How to fix it: Use a simple time-tracking tool (like QuickBooks Time, or even a shared spreadsheet). Log hours daily—not at the end of the week when details are fuzzy. Compare estimated vs. actual hours after each job. This helps you improve future bids and spot inefficiencies. Bookkeeper's tip: If you track hours properly, I can show you job profitability in real time—and you'll see exactly which jobs (or crew members) are eating into your margin. 2. Unapproved Change Orders: Giving Away Work for Free Scope creep is the silent profit killer. A client asks, "Can you just add this?" and you say yes because it seems like a minor request. But those "little extras" add up quickly—and suddenly your margins are gone. Real example: A deck project initially included a standard railing. Midway through, the client asked for an upgraded design. The contractor agreed but never adjusted the invoice. The upgrade cost him $500 in materials and 10 extra labor hours—completely unpaid. How to fix it: Create a straightforward change order process. Stop work when clients request something new until the change is approved in writing. Even if it feels awkward, remember: change orders protect both you and the client by keeping expectations clear. Bookkeeper's tip: Keep a change order log for each job. We can help track approved vs. pending changes—so nothing slips through the cracks. 3. Material Waste and Overruns: Small Leaks, Big Losses Materials are another common leak. If you're not reconciling receipts against your estimates, you may be spending far more than you realize. It's not always theft or big mistakes—it's the little things: over-ordering, miscuts, lost supplies, or last-minute runs to the hardware store. Real example: A contractor estimated $5,000 in materials for a kitchen remodel. By the end, he had spent $5,800. That $800 didn't seem huge—but on a project with a $2,000 expected profit, it wiped out nearly half. How to fix it: Match every material receipt to the job. Track waste (e.g., lumber offcuts, unused drywall sheets). Build a small buffer into estimates (5–10%) to account for inevitable overruns. Do weekly check-ins: Are material costs still aligned with the budget? Bookkeeper's tip: If you send us your receipts consistently, we can flag when a job is trending over budget before it's too late. 4. Late Invoicing and Slow Collections: Cash Flow Gaps Many contractors do the work first and think about invoicing later. The problem is that late invoices result in late payments. And late payments can create cash flow crunches that force you to dip into savings, use credit, or delay your own bills. Worse, some clients "forget" to pay unless reminded. If you're not consistent about invoicing and follow-ups, you might never collect everything you've earned. Real example: A contractor finished a $10,000 basement project but didn't invoice until six weeks later. The client delayed payment for another four weeks. That's 10 weeks without income—while the contractor was already paying subs and suppliers. How to fix it: Invoice immediately at milestones—not weeks later. Use progress billing: collect deposits upfront, then bill at set phases. Set clear payment terms (Net 15, Net 30) in your contracts. Automate reminders using software like QuickBooks, Joist, or FreshBooks. Bookkeeper's tip: We can set up a system where invoices go out automatically and overdue payments are flagged—so you never have to chase clients down again. 5. Forgetting Overhead: Missing the True Cost of Running Your Business This is one of the biggest mistakes we see: contractors price jobs based only on direct costs (labor + materials) and forget to include overhead. Overhead is everything it takes to keep your business running, like: Truck payments and fuel Insurance and licenses Office supplies and software Marketing and advertising Your own salary! If you don't factor in overhead, you might think you made a profit—but really, you just broke even. Real example: A contractor charged $15,000 for a renovation. Materials and labor cost $11,000, so it looked like a $4,000 profit. However, once overhead was factored in (including fuel, insurance, phone, bookkeeping, etc.), the actual profit was closer to $1,200. How to fix it: Calculate your monthly overhead. Divide that into your billable hours or projects. Add it to every estimate. Bookkeeper's tip: We can calculate your overhead burden per job, so you'll know exactly how much to add to every quote to stay profitable. Recap: 5 Hidden Profit Leaks Untracked labor hours Unapproved change orders Material waste and overruns Late invoicing and slow collections Forgetting overhead Each of these may seem small, but together they can drain thousands of dollars from your business every year. The Bottom Line: You Don't Have to Keep Losing Money The difference between "busy and broke" and "busy and profitable" isn't more jobs—it's better control of your numbers. When you track your labor, materials, change orders, invoices, and overhead, you stop the leaks and keep more of the money you've already earned. And you don't have to do it alone. As construction bookkeeping specialists, we help small contractors: Track job profitability in real time Catch hidden leaks before they get worse Set up systems that save time and reduce stress Contact us today and get the help you need. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Everyone's hunting for the perfect facility… but here's the truth no one tells you: You can fix a bad building, but you can't fix a bad market. Buy in the wrong location, and you're signing up for high vacancies, cutthroat price wars, and more sleepless nights than you bargained for. In this episode of the Storage Wins Podcast, Alex Pardo breaks down the exact 5-step framework he uses to choose the right markets, the kind that practically stack the odds in your favor.You'll learn how to dodge the $2M mistake too many investors regret, and how to find markets where even an average deal can turn into a serious win. Hit play and find your next winning market, before someone else does. You'll Learn How To: Spot the difference between a good facility and a good market and why it matters Avoid overbuilt, oversupplied areas that quietly kill your returns Use population, income, and job growth data to find strong demand Calculate square feet per capita so you can buy with confidence Become the big fish in the right market instead of getting crushed by REITs What You'll Learn in This Episode: (00:00) Why market selection is the single biggest factor in deal success (01:00) The mistake that cost investors millions and how to avoid it (02:30) Breaking down market types: primary, secondary, tertiary, rural (07:00) Why tertiary markets are often the sweet spot (08:00) The five key market indicators Alex checks every time (14:00) How to calculate square foot per capita and when to dig deeper (17:00) The hidden risk of new supply most investors miss (18:00) Why renter-to-homeowner ratio is a powerful demand signal (21:00) Why you should chase markets, not deals if you want momentum (22:00) How the Storage Wins coaching program helps you find the right market Who This Episode Is For: Investors buying or about to buy their first storage facility Operators who feel stuck with low occupancy and want better markets Anyone tired of chasing good deals that turn into bad headaches Why You Should Listen: Even the perfect deal in the wrong market can turn into a money pit. This episode gives you a repeatable process for choosing markets that work, so you can stop guessing, start buying with confidence, and finally build the portfolio and lifestyle you've been dreaming about. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/  

Have you ever experienced a conversation like this with someone?* “I want wild adventure, but I must feel safe at all times.” * “I want to quit my job, but I can't give up the nice lifestyle I enjoy.”* “I crave more freedom, but I dread losing security.”* “I hate working for someone else, but I'm too afraid to work for myself.”* “I want a better life, but I can't change anything.” If it were easy to have it all, you would already have it. Right? Why would you deny yourself a dream life if it were easy to create? Why would you punish yourself unnecessarily? Why would you suffer? The reason you're feeling stuck is that it is not easy! It's damn hard to build a life that gives you what you want in balance with what you need. The hard pill to swallow is: Something has to give. You must give up something to gain something. I've learned that 99% of the time when people say, “I can't!” what they really mean is “I won't.” They could make the necessary changes if they really wanted to, but they don't. The pain of remaining the same is slightly less than their fear of change and the unknown. When I left my corporate career behind in 2010, I spent the next five years trying to have it all. I wanted the freedom of escaping my old 9-to-5 job (more like 7 AM to Midnight). I wanted the stress relief of leaving behind toxic bosses. I wanted the joy of owning my time every day. I wanted the pleasure of reclaiming my health and rediscovering fitness. However, I also wanted to maintain my expensive home, fancy car, and luxurious lifestyle. I tried really hard for those years, but eventually, the harsh reality came crashing down: I just could not have it all. So, we discussed a new plan. We decided what we would have to give up to create the new life we desired. * We had to downsize our home. * We had to leave Silicon Valley. * We had to sell the luxury car. * We had to live more simply. * We had to make changes.I won't tell you it was easy. That's kind of the point of this episode. It was hard, but it was worth it. Within a few years, we knew it was the right decision. What we had gained was worth far more than what we had “lost.” Maybe others are telling you that you can “have it all.” I've seen plenty of BS posts online about that. But let me be the honest person who will give it to you straight: Make some hard choices. Create a spreadsheet with two columns: A. Gain and B. Give up. Decide what you want most in your life and put those items in the Gain column. Choose what you are willing to leave behind and sacrifice so you can have what's in the Gain column. Put the items you will give up in column B. Now, create a plan and a schedule to build a roadmap to give up more of column B to have more of column A. This process can take years, by the way. Go slow if you want, but don't wait long. By the way, column B is a trap. It's a noose that tightens more with every new thing you add to it. It's a golden cage that you may never escape if you keep adding more bars. The longer your Column B list gets, the harder it will be to escape later. Column A is a delight. The longer you delay gaining the items on that list, the less time you will have to enjoy them. Sadly, most people wait until retirement to pursue that list. So, they don't enjoy that lifestyle for as long as they could have. Even worse, some of those items have an expiration date. You will be too old to pursue them anymore, or the opportunity has passed. It's too late. Want to make this process easier? Here are a few things that can help (I explain them in more detail in the podcast audio, so scroll up and hit play to listen):* Create wiggle room in your professional career. * Become a lifelong learner to avoid stagnation and avoid being left behind. * Develop flexible streams of income outside your primary job. * Build revenue models that aren't locked into specific locations. * Do not increase the cost of your lifestyle as your income increases. * Aggressively manage your expenses to see if you can reduce them. * Continuously feed funds into your financial cushion for some breathing room. * Get outside your bubble to expand and diversify your network. * Open your mind to unexpected opportunities and new ways of living. * Invest in your physical, emotional, and mental health. * Calculate more realistic risk assessments of what you want to pursue. * Build backup plans for the worst-case scenarios. * Realize that intelligent and ambitious people can bounce back from failure. I recently met with Cory Vinny on my Invincible Life podcast. He shared how he prepared for a life of adventure, and what he had to sacrifice to pursue it. Listen and note the tradeoffs they had to make so they could spend the next year sailing around the world. What do you have in your Gain column? What do you want more of in your life? What is in your Give Up column? What are you willing to sacrifice to acquire more of the things you want to gain?I'd love to hear about it, so leave a comment below!I'm Larry Cornett, an executive coach who works with ambitious professionals to help them reclaim their power, become more invincible, and create better opportunities for their work and lives. Do more of what you love and less of what you hate!

Matt Sciannella hosts Dale Harrison in a three part summer event series to cover the intricacies of Brand and Performance marketing. This is the second part of the final event, and covers all of the specific calculations you need to know to accurately find your Marketing ROI. Dale presents a compelling case for revolutionizing how marketing investments are understood, measured, and communicated. This episode transforms complex financial details into digestible insights, revealing why relying solely on current period revenue versus cost fails to capture the true impact of marketing efforts.Within this conversation, critical topics emerge around the technicalities of accurately quantifying the "R" (Revenue) and "I" (Investment) in marketing ROI. Dale dissects how traditional methods often overlook time lags between marketing initiatives and realized revenue, especially in B2B environments where extended sales cycles are norm. Through detailed examples, the episode guides listeners on associating past marketing efforts with current revenue, emphasizing the significance of contribution margin and proper attribution of marketing expenses. The discourse further unveils the misconception that brand marketing takes time to produce results, illustrating its immediate and lasting impact, and how historical brand efforts inflate future ROIs.Episode topics: #marketing, #demandgeneration, #brand, #B2BSaaS, #digitalmarketing #ads #brandmarketing #performancemarketing ______Subscribe to Stacking Growth on Spotify and YouTubeLearn More About Refine LabsSign Up For Our NewsletterConnect with the hosts:Matt SciannellaDale Harrison

Snag Our Simplified Budget System!How nice would it be to walk into your hair appointment, facial, or nail salon already knowing the money is sitting in your account, ready to go—tip included? Yes, please.In this episode, we're talking all things glam-up budgeting—from facials and eyebrows to lashes, massages, and all the self-care that helps you feel like you.

Send us a text! We'd love to hear your thoughts on the show.In this episode of The Resilient Writers Radio Show, we break down the complete roadmap for finishing your book—because contrary to what movies show us, it's not just "type, spell check, publish." Finishing a book requires a systematic, step-by-step approach that prevents overwhelm and helps you track real progress.Why You Need a Step-by-Step ProcessOur culture perpetuates myths about book writing—think Jo March in Little Women or countless Christmas movies where characters magically go from manuscript to bestselling author tour. The reality? Finishing a book takes everything you've got and requires becoming the writer you need to be to complete your unique project.Breaking the process into clear phases gives you momentum, prevents paralysis, and allows you to celebrate milestones along the way. Instead of facing an overwhelming 300-400 page project, you work through manageable steps, always knowing exactly where you are in the process.The 11-Step Process to Finishing Your BookStep 1: Prepare Your Project Plan Treat your book like any other major project in your life. Calculate how many words you need, determine your weekly writing capacity, and create a realistic timeline. For example: if you need 50,000 more words and typically write 3,000 words per week, you're looking at approximately 16 weeks to complete your draft.Step 2: Complete the Essential Book Outline Create a basic outline that tracks your protagonist's journey from beginning to end, including their desires, obstacles, and transformation. This serves as your roadmap for brainstorming scenes.Step 3: Fast Draft Using "Rules for the Draft" Focus on getting the story down without perfectionism. The goal is completion, not perfection.Step 4: Optional Manuscript Evaluation Consider getting professional feedback on your messy first draft to understand what's working and what needs development before diving into revision.Step 5: Story Clarity Revision Shape your draft by determining what story you really want to tell and ensuring that vision translates clearly onto the page.Step 6: Submit to Beta Readers Send your revised manuscript to 3-4 genre readers who can provide supportive critique. Ask specific questions about pacing, character development, and any sections where they found themselves skimming.Step 7: Integrate Beta Reader Feedback Carefully evaluate feedback and decide what serves your book's vision. This may require additional revision passes.Step 8: Line Edit Perfect your language, sharpen verbs, and ensure every sentence serves your story. Only do this after incorporating beta feedback to avoid attachment to scenes that might need cutting.Step 9: Copy Edit Focus on spelling, grammar, and catching typos—especially important if you use dictation software.Step 10: Prepare to Publish Choose your publishing path (traditional or indie) and complete the specific requirements for that route.Step 11: Build Your Author Platform Develop a minimalist marketing approach that builds your presence without taking over your life—whether for pitching agents or self-publishing success.The Power of ProcessThis step-by-step approach transforms an intimidating project into manageable milestones. You can see your progress, celebrate achievements, and maintain momentum knowing exactly what comes next. Each completed step moves you closer to your goal and proves you're further along than ever before.Mentioned in this Episode: Book Finishers Bootcamp, September 11-17

You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro

Brian Thompson returns for a solo episode packed with practical advice to help entrepreneurs take charge of their numbers. In this mini masterclass, you'll learn how to use your profit and loss, balance sheet, and reconciliation reports more effectively. Whether you love or loathe spreadsheets, this episode gives you the tools to pause, reflect, and make strategic financial decisions to set yourself up for success in the second half of the year. How To Conduct A Mid-Year Financial Review 1. Reconcile and clean up your books First, set aside at least 90 minutes to focus without distractions. Before analyzing anything, make sure your books are clean: Start with reconciliation: Check that your accounting software matches your actual bank transactions and credit card balances. Review your categories: Go through your chart of accounts to ensure expenses are correctly categorized. Review your balance sheet: Ensure your cash balances, accounts receivable, accounts payable, and other liabilities align with what you expect. If not, dig deeper to understand why. 2. Analyze your profit and loss statement Run a profit and loss (P&L) report for the period from January through June and analyze the data: Analyze your revenue: Compare your actual revenue to your goals and prior years. If you offer multiple types of service, break down which ones are driving your revenue and which ones may be underperforming. Analyze your expenses: Look for surprises, categories that you are over budget in, and for subscriptions or tools you no longer use. Calculate your gross and net profit: Ensure you are maintaining healthy margins, and if margins are shrinking, find out why. Look for trends: When looking at the big picture, make sure all the pieces fit together. For instance, if you're spending more on marketing as an expense, you'd expect to have a corresponding higher revenue. 3. Examine your cash flow Cash flow is not just about what you earn -- it's also about what you keep. Use the following steps to make sure cash is flowing into and out of your business strategically: Check your bucket allocations: If you use the bucket system, ensure you are still transferring funds consistently to your various business accounts and that your percentages are still realistic based on current revenue. Review your operating cash flow: Ensure cash is coming in faster than it's going out and that you aren't relying too heavily on credit to cover gaps. Check your accounts receivable: This step is one of the easiest ways to increase your cash flow quickly by following up on outstanding invoices and consistently enforcing your payment terms. Evaluate large expenses: Consider whether you should delay or accelerate spending based on your cash position. 4. Use your mid-year review to propel your business forward Once you understand your numbers in detail, it's time to turn your insights into action: Set or reset financial goals: Use your findings to update your targets for the second half of the year. Make sure your goals are specific, measurable, and tied to your broader vision. Identify quick wins: Look for easy adjustments that make a big difference. Small changes now can have a significant impact on your year-end results. Improve your systems: Make a plan to fix systems that aren't working. Good systems reduce mental load and improve accuracy. Communicate with stakeholders: Share your findings with your team, financial advisor, or coach. Reflect and celebrate: Take a moment to reflect on what is working, and celebrate the fact that you're engaging in this process. Resources + Links Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast  Brian Thompson, JD/CFP, is a tax attorney and Certified Financial Planner® who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

In this episode, the FBA University boys discuss how to properly calculate your Amazon profit margin!

Get your free Nutrition 101 for Body Composition Guide to learn the fundamentals of energy balance, macros, and meal timing for building muscle and losing fat: witsandweights.com/freeGet Chef's Foundry P600 Ceramic Cookware - 50% off at witsandweights.com/chefsfoundry--Stop letting inaccurate metabolism estimates sabotage your nutrition goals. The fitness industry has convinced us that estimating metabolism requires expensive tests, fancy gadgets, or complex formulas, but there's one method that cuts through the noise using evidence, engineering, and efficiency.Your fitness tracker says you burned 3,200 calories, online calculators recommend 2,400 for maintenance, and your metabolic test shows 1,850 RMR. They're all probably wrong.Discover the one method gives you your actual daily calorie burn with scientific precision so you can run your next fat loss or muscle building phase confidently and with success.Main Takeaways:Your metabolism has 4 components that fluctuate constantlyOnline calculators can be off by 300-600 calories per personFitness trackers have 27-93% error rates for energy expenditureThe only accurate method is to track calorie intake + trend weight over 3-4 weeks to reverse-engineer your actual TDEEThis approach is self-correcting, personalized, adaptive, and works even with imperfect food loggingEpisode Resources:Try MacroFactor for free with code WITSANDWEIGHTS - the app that automates metabolism tracking using the method discussedGet Chef's Foundry P600 Ceramic Cookware - 50% off at witsandweights.com/chefsfoundryRelated Episode:4 Ways to Increase Your Metabolism by 500 to 1000 Calories per DayTimestamps:0:01 - Why most metabolism estimates are completely wrong 6:30 - Online calculators 9:10 - Fitness trackers and wearables 10:43 - RMR testing 12:29 - Measuring inputs/outputs vs. mechanisms/effects 15:10 - How to calculate your real TDEE 23:38 - My favorite app that does this for you 26:08 - Imperfect food logging, water weight, and metabolic issues 30:40 - Why you should start tracking TODAY 31:48 - Becoming the scientist of your own physiologySupport the show

AI's WORKINGS AROUND AMORTISATION OF BAILEYS CONTRACT TO FIND HIS BOOK VALUE Leon Bailey was signed by Aston Villa on August 4, 2021, for a transfer fee of £30 million on a contract expiring June 30, 2025. This represents an original contract period of 1,426 days. The transfer fee is amortized on a straight-line basis over this period under UEFA's financial regulations for player registrations. By the contract extension date of February 12, 2024, 922 days had passed, resulting in £19,397,400 of the fee being amortized (922 / 1,426 × £30,000,000). The remaining book value at extension was £10,602,600. The extension adjusted the contract expiry to June 30, 2027, creating a new amortization period of 1,234 days for the remaining book value. As of August 18, 2025, 553 days have passed since the extension, resulting in £4,751,140 amortized since then (553 / 1,234 × £10,602,600). The current remaining book value is therefore £5,851,460. To arrive at this solution: 1. Determine the original contract duration in days using date differences. 2. Calculate the fraction of the original period elapsed until extension and apply it to the fee to find amortized and remaining amounts. 3. Determine the new extended period in days from extension date. 4. Calculate the fraction of the new period elapsed until the current date and apply it to the remaining value from step 2 to find the current book value. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Your time is your most valuable and limited business asset. In this episode, Ambrosia Carey reveals how to calculate your true hourly rate, spot hidden time drains, and protect your schedule so your business actually works for you. Perfect for hairstylists, salon owners, and creative entrepreneurs ready to scale without burning out. Get your free time tracker here: https://small-kiwi-98108.myflodesk.com/cm08owklix Watch our FREE profit maker webinar here: https://small-kiwi-98108.myflodesk.com/ao7u0l0qzq Key Take-Aways: 1. No one talks about the one asset you can't raise… your time. 2.If you've ever spent hours prepping for a client just to break even, delivered amazing work that took more out of you than it gave back, it might be worthwhile to track you time. 3. Time is your most limited, non-renewable resource. Money can be replaced. 4. Time is the invisible labor in your business, from admin to prep, content creation, client communication, setup, cleanup, and everything in between. 5. Calculate how much time went into prep, during, and post. Then subtract taxes, fees, and costs which will bring your real return. 6. Hidden time costs are everywhere. From travel time you don't bill for, to client follow-ups on your days off, to team management and inventory issues, it all adds up. 7. Here's how to protect and optimize your time: Create repeatable processes, batch content and communication, schedule work during your best energy hours, use time-based pricing, and track your time for one week to see where your hours actually go. 8. Scaling isn't just adding clients, it's reclaiming time so you can build with intention. 9. If you're ready to protect your time, grab my free Time Audit Worksheet: a simple guide to help you track your real time costs, calculate your hourly return, and identify where your time is being underpaid or unaccounted for. 10. Let's protect your time, and build something sustainable together. Join our Membership Waitlist Take 15% off our favorite skincare line, Pharmagel with code SSA15:  http://www.pharmagel.net/discount/ssa15?redirect=%2F%3Fafmc%3Dssa15 Email & text marketing is the quickest way to increase your income and GlossGenius has AI support to make this as simple as clicking a button! Try it out for 2 weeks FREE: https://glossgenius.biz/AmbrosiaCarey

Women need to work 50 extra days just to earn what men made last financial year… and today, August 19, marks those extra days. It’s called Equal Pay Day, and in this special bonus episode Victoria is joined by Dr Samone McCurdy from the Workplace Gender Equality Agency to unpack the reality of the gender pay gap. But don’t worry, this isn’t your average “boring stats” chat. This is one of those conversations that’s equal parts frustrating, eye-opening, and empowering… the kind that’ll fire you up to demand better for yourself and for every woman who comes after you. Inside this ep:

What was something on your childhood wishlist that you're still kind of mad that you never got?Calculating potency isn't just math—it's the fundamental skill that transforms your cannabis kitchen from a guessing game into a precise culinary art. Whether you've ever found yourself unexpectedly bonding with your couch for six hours after a miscalculated brownie or thrown away gifted edibles because you had no idea how strong they were, this episode solves the dosing dilemma once and for all.I break down the seemingly complex world of THC calculations into a straightforward formula anyone can master, walking you through real examples that demonstrate exactly how to determine what's in each serving of your homemade treats. You'll discover why even experienced cannabis consumers sometimes need just a fraction of a gram to create perfectly dosed edibles, potentially saving you significant money while delivering consistently reliable experiences. Grab your Edible Dosing Cheat Sheet over at the website. By the end, you'll understand why knowing your numbers isn't about taking the fun out of edibles—it's about ensuring every experience is the right kind of fun.Continue the conversation and start connecting—head to JoinBiteMe.com right now. You'll find a private community of cannabis growers, makers and lovers who are just as obsessed or curious as you are.Support the show Visit the website for full show notes, free dosing calculator, recipes and more.

Do the banks know something we don't? Or are they just taking a punt, hoping to sign up a few more borrowers before their competitors do? Frances Cook joins Nights to explain.

There's a new easy-to-use online tool called Don't Inflate Our Plates allowing people to calculate inflation in their own state.

How efficient is your collections process? By looking at one number, you can find out! In this episode, Kirk Behrendt brings back Ariel Juday, one of ACT's amazing coaches, to break down accounts receivable ratio. She explains what AR is, how to track it, and what you can do if it's not at a healthy number. To learn how to manage and take control of your AR, listen to Episode 925 of The Best Practices Show!Learn More About Ariel:Send Ariel an email: ariel@actdental.com Follow Ariel on ACT's Instagram: https://www.instagram.com/actdentalSend Courtney an email to learn more about ACT: courtney@actdental.com More Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 925: https://www.youtube.com/@actdental/videosMain Takeaways:Your ideal AR ratio is 1:1. For every $1 produced, you're owed no more than $1.Calculate your AR ratio monthly or quarterly to keep track of any increases.Have a clear financial policy and collect at time of service to keep AR low.If your AR isn't healthy, don't be upset with your team members.You can't fix your AR overnight. Have realistic expectations.Snippets:0:00 Introduction.2:10 Accounts receivable, explained.4:14 Example of a healthy AR ratio.4:55 How AR impacts your practice.5:49 What a low AR ratio indicates.6:39 Pros and cons of negative receivables.8:38 How to impact your AR ratio.11:34 Last thoughts.Ariel Juday Bio:Ariel has a master's in healthcare administration and several years of dental experience in all aspects of the administrative roles within the dental office. Her passion is to work with dental teams to empower team members to realize their full potential in order to better serve patients, improve office systems to ensure a well-functioning...

Daily Boost Podcast Show Notes Why Your Best Ideas Come When You Stop Trying So Hard July 31, 2025 | Episode 5149 Host: Scott Smith Episode Description Scott takes you behind the scenes of his Face Your Passion Inner Circle call in this spontaneous, unscripted episode. Fresh off a powerful coaching session, he shares game-changing insights about treating exercise like your job, "pre-selling" your time for what matters, and why brainstorming isn't what you think it is. This isn't your typical structured podcast—it's raw coaching wisdom that'll shift how you think about productivity, focus, and getting what you want in life. Sometimes the best insights come when you least expect them. Featured Story Scott opens up about his "coaching call about nothing"—a weekly session where nobody knows what'll happen, but everyone gets exactly what they need. Inspired by Jerry Seinfeld's approach, this unstructured format creates space for breakthrough moments. The magic happens when you show up without a predetermined agenda and let authentic connection and spontaneous wisdom flow. It's proof that sometimes the most powerful results come from embracing the unexpected rather than forcing a plan. Important Points Exercise becomes non-negotiable when you treat it like your job—if you know you're getting paid, you'll show up and do the work. "Pre-selling your time" means buying back hours for yourself at your hourly rate, making you serious about protecting that space for what matters most. Brainstorming is unfocused time for capturing ideas throughout the day, while organization is focused energy work that requires your full attention and higher energy levels. Memorable Quotes "You don't even know what you're gonna get out of it today, but you know you want to show up because every time you do, you get exactly what you needed that day." "Point yourself in the right direction. Do the things you know you're supposed to be doing and let things happen." "The more you put the time in, the more you realize the stuff was going to happen anyway. Why didn't I do that sooner?" Scott's Three-Step Approach Schedule exercise like a job commitment—treat it as paid time that you must show up for, no matter what. Calculate your hourly rate and "buy back" time for yourself by blocking calendar space, then protect that investment like you would any business expense. Capture brainstorming ideas throughout your day during unfocused activities, then use high-energy focused time to organize and connect those ideas on paper. Connect With Me Search for The Daily Boost on Apple Podcasts and Spotify. Email: support@motivationtomove.com Main Website: https://motivationtomove.com YouTube: https://youtube.com/dailyboostpodcast Facebook Page: https://facebook.com/motivationtomove Facebook Group: https://dailyboostpodcast.com/facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

Stop wearing every hat in your gym. It's time to move from coach to owner.In this episode of “Run a Profitable Gym,” Chris Cooper shares the exact steps gym owners can take to reclaim their time, take regular vacations and build businesses that run on systems. He walks you through the process of “climbing the value ladder,” aka buying back your time:- Identify the roles you fill.- Calculate the replacement cost for each role.- Write step-by-step instructions for each role.- Delegate roles from lowest to highest value.- Take time off to test the system.- Identify problems and upgrade instructions so they're perfect.Coop also explains how to coach and evaluate staff and why gym owners often mistake poor systems for “people problems.”Tune in for the full playbook, then apply it and put it to the test by finally taking some time off.LinksGym Owners UnitedBook a Call  0:48 - The steps to take time off2:57 - How Coop climbed the value ladder4:26 - Get the systems out of your head8:45 - Activate your staff11:52 - Is it a people or process problem?

What's your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we're taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You'll learn whether the four-percent rule still works today or if you need a larger buffer! If you're worried about inflation, one of the best things you can do is keep your living expenses in check. This might seem out of your control, but there are several ways to either lock in certain costs or eliminate them entirely. We'll discuss the many advantages of a paid-off house, self-managing your rental properties in retirement, and a one-time investment that could help you save thousands of dollars over your lifetime! In This Episode We Cover How to calculate your financial independence number (and when to adjust it!) The four-percent rule explained (and whether it still works in 2024) Why most people chasing FIRE don't retire on the four-percent rule How to control your expenses and protect against inflation in retirement The “home run” investment that could save you thousands of dollars And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

In just a few years, 24-year-old Australian Twitch streamer Hannah Sayce went from playing casual online games during lockdown to earning the Woman Candidate Master (WCM) title and competing in international tournaments. Her post-lockdown rise has taken her from below 1000 to a 2300 Chess.com blitz rating. In this conversation, Hannah shares the highs and lows of her chess journey and the strategies behind her rapid improvement. Key turning points included learning to slow down at the board and forcing herself to embrace endgame study despite her resistance. Hannah's rapid progress is inspiring to young girls and adult improvers alike—and it was fun to hear her story. Timestamps of topics discussed are below. Thanks to our sponsor, Chessable.com! If you sign up for Chessable Pro in order to unlock discounts and additional features, be sure to use the following link: https://www.chessable.com/pro/?utm_source=affiliate&utm_medium=benjohnson&utm_campaign=pro And you can check out their new offerings here: https://www.chessable.com/courses/all/new/ https://www.perpetualchesspod.com/partners 0:02- What is Hannah's approach to streaming and prepping for Titled Tuesdays.  Mentioned:  7:00- Overcoming the Nerves of OTB chess  12:00- We discuss Hannah's chess improvement philosophy as originally laid out in her popular YouTube video, How I Went from 700 to 2200 in 2 Years.  https://www.youtube.com/watch?v=KCBGNjddiTE Specifically she touched these 7 themes: Play longer time controls  Developing calculating skills  Decision journal  Analyze your games  Practice your tactics Calculate before you move  Study master games 18:00- How Hannah will work on her endgames  Mentioned: Notjowol on Twitch https://www.twitch.tv/notjowol 20:00- Why does Hannah stream the lessons that she gets?  21:00- Hannah's current chess goals 22:00- How did Hannah get into chess?  24:00- Hannah's advice for girls getting into chess 28:00- Hannah's favorites chess books and authors Mentioned: Modern Chess Openings, IM Jeremy Silman, GM Yasser Seirawan  30:00- Hannah's favorite Chess Youtubers: Mentioned: IM Eric Rosen, GM Daniel Naroditsky, GM Ben Finegold, Hanging Pawns  32:00- What is the chess scene like in Melbourne? 33:00- Hannah's favorite OTB tournament  Mentioned: The Rilton Cup  35:00- Hannah's post-university plans and non-chess hobbies  39:00- Thanks to Hannah for joining the show! Here is how to follow her continued progress:  Hannah's Instagram: https://www.instagram.com/anichessgame/?hl=en Hannah's Twitch:  https://www.twitch.tv/hannahsayce Hannah's Chess.com: https://www.chess.com/member/hannahsaycestreams YouTube: https://www.youtube.com/@hannahsayce1 If you would like to join the Perpetual Chess Patreon community for access to ad-free episodes and other perks,  you can do so here: https://www.patreon.com/c/perpetualchess Check out special offers for free trials and/or discounts from our partner websites including Chessmood, ChessDojo, and Chess.com via the link below: Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he'll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she's in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth, today on Your Money, Your Wealth podcast number 535 with Joe Anderson, CFP® and Big Al Clopine, CPA. First up, a word of Roth conversion thanks from Al in Florida. Free financial resources & episode transcript: https://bit.ly/ymyw-535 DOWNLOAD The Ultimate Guide to Roth IRAs Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV RETIREMENT CALCULATION TOOLS: Financial Blueprint EASIRetirement.com (from Boldin, formerly NewRetirement)   ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Insult to a Nose (Scene from Steve Martin movie "Roxanne" - warning, language!)   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL) 03:38 - In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX) 07:57 - In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX) 12:25 - Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV. Calculate your free Financial Blueprint 13:23 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) 25:26 - YMYW Podcast Outro

Retirement doesn't come down to a magic number, it comes down to your number. In this episode, we walk through a simple, personalized framework to help you understand when you can truly retire, based on what you want life to look like, not generic benchmarks.We cover the core question: How much do you want to spend each month? From there, we reverse-engineer your retirement target, factoring in taxes, withdrawal strategies, estate planning, and those big one-time expenses that often get missed.And it's not just about the math. We dive into the emotional side of retirement. It's about how to find purpose, identity, and meaning in this next chapter. Whether retirement feels decades away or just around the corner, this episode will help you stop guessing and start planning with clarity.- Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult your CPA or attorney regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

#232: Chris reviews his current credit card lineup for 2025. He also covers how to evaluate new/existing cards, some card changes for 2025, new cards he's excited about, the best cards for each major spending category, and apps to manage all your cards. Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2025 Link to Cards Mentioned: https://chrishutchins.com/blog/whats-in-my-wallet-for-2025/ Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans Bilt Rewards: Earn the most valuable points when you pay rent Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Thrive Market: 30% off your first order of organic groceries + a free $60 gift LMNT: Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Mentioned Credit Card Holder Wallet Frequent Miler Premium Card Worksheet Copilot: Free 2 months with code HACKS2 Chris' Card Optimizer Tool Southwest Companion Pass Complete Guide 2025 Kick Bookkeeping: 50% off your first year here Credit Card Trackers CardPointers Pro: 30% off here and 50% off here CardRight Travel Freely AwardWallet The Points Guy App ATH Podcast Membership 2025 Iceland Trip Ep #152: Credit Cards: What's in My Wallet for 2024 Ep #170: Cash Back vs. Points: Are We Doing It All Wrong? Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo) Full Show Notes (00:00) Introduction (02:17) Quick Episode Overview (03:28) The 3 Main Reasons to Own Credit Cards (08:08) Things to Keep in Mind About Welcome Bonuses (10:26) Chris' Credit Card Goals for 2025 (13:24) Points vs. Cash Back (17:09) Why You Should Identify Your High Spend Categories (21:53) How to Calculate the Value of a Card (23:00) Review of Current Cards in Chris' Wallet (30:44) Bank of America Cards (33:00) U.S. Bank Cards (33:49) Citi Cards (38:27) The Bilt Mastercard® (40:10) Understanding the Major Spending Categories (42:35) Maximizing the Travel Category (44:53) Earnings via Travel Portals (47:57) Other Categories: Wholesale Clubs, Phone Service, Gas (50:11) Managing Business Expenses (+ Kick Bookkeeping) (52:10) New Cards for 2025 (55:47) How Chris Keeps Track of All His Cards (1:01:06) Big Changes to Popular Travel Card & New Travel Biz Card Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's episode is part of our Throwback Series where we re-air some of our most popular shows. This episode originally aired on 1/14/2025. As we quickly approach the midway point of the year, we hope this episode serves as a reminder and motivator of what can still be done in 2025. This is the Wholesale Hotline Podcast (Brent Daniels Show Edition), the best 120 minutes in wholesaling education -- live with Brent Daniels. 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

Episode 2655 - Vinnie Tortorich and Anna Vocino discuss fitness, staying in Zone 2 during training, some interesting news from Eat Happy Kitchen, and more. https://vinnietortorich.com/2025/06/staying-in-the-zone-episode-2655 PLEASE SUPPORT OUR SPONSORS YOU CAN WATCH ALL THE PODCAST EPISODES ON YOUTUBE - Staying In The Zone Vinnie shares a story about getting some differences in strength and fitness in different activities. (5:00) He shares how even very fit people can struggle in activities they don't do often. There is a way to strengthen your cardio and boost mitochondria to increase endurance. (15:00) Zone 2 training can make a big difference. Zone 1 is up to 69% of your aerobic capacity. An example would be a light walk or gardening. Zone 2 is 70-79% of aerobic capacity. Zone 3 is 80-89% of aerobic capacity. Zone 4 is 90-100% aerobic capacity. Zone 2 is a favorite because it's the range at which your body is still burning fat. HIIT training typically relies on sugar-burning. Calculate your Zone 2 by taking 180 - your age +/- 5 (depending on your activity level). If you are a sedentary person, subtract 5. If you are generally active, you can add the 5. Vinnie talks to a lot of obese people; however, they shouldn't worry about Zone 2 just yet. Focus on getting yourself to just move and do what you can do. (28:00) Wearing a heart rate monitor can help. Puttanesca Public Relations They switch to talk about Anna's Pumpkin Marinara and stores where it will be available. (36:00) She tells a story about the production and a challenge she ran into. No matter what happens, she wants customers to get the very best flavor and not mess around! Getting into grocery stores is an interesting thing. (41:00) She is trying to get the word out on her sauces, especially what Puttanesca is. Puttanesca is a wonderful flavor with kalamata olives and capers for an extra savory experience! She is running a special deal where you can get cash back from her. Listen for the details! (45:30) A viral trend that Anna participated in is a fabulous-looking onion and cheese crisp recipe, “frico”. She shares what it is and how she makes it. (50:00) Vinnie has a little fun with redoing the intro to the show. (54:00) More News If you are interested in the NSNG® VIP group, register here! Don't forget to check out Serena Scott Thomas on Days of Our Lives on the Peacock channel.  “Dirty Keto” is available on Amazon! You can purchase or rent it . Make sure you watch, rate, and review it!   Eat Happy Italian, Anna's next cookbook, is available!  You can go to You can order it from . Anna's recipes are in her cookbooks, website, and Substack–they will spice up your day! There's a new NSNG® Foods promo code you can use! The promo code ONLY works on the NSNG® Foods website, NOT on Amazon. https://nsngfoods.com/   PURCHASE  DIRTY KETO (2024) The documentary launched in August 2024! Order it TODAY! This is Vinnie's fourth documentary in just over five years. Visit my new Documentaries HQ to find my films everywhere: Then, please share my fact-based, health-focused documentary series with your friends and family. Additionally, the more views, the better it ranks, so please watch it again with a new friend! REVIEWS: Please submit your REVIEW after you watch my films. Your positive REVIEW does matter! PURCHASE BEYOND IMPOSSIBLE (2022) Visit my new Documentaries HQ to find my films everywhere: REVIEWS: Please submit your REVIEW after you watch my films. Your positive REVIEW does matter! FAT: A DOCUMENTARY 2 (2021) Visit my new Documentaries HQ to find my films everywhere: FAT: A DOCUMENTARY (2019) Visit my new Documentaries HQ to find my films everywhere: