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I hope you all enjoyed the 4th of July weekend!  Happy Birthday, America!Fees are a big topic of conversation amongst financial advisors, but also from consumers.  It can be a spicy topic with lots of complexities, but I'll try to simplify HOW and WHAT you are paying your financial advisor.I'll be the first to admit, I am extremely biased being a fee-only financial advisor, which I'll admit throughout the show.  I will say that there is no right or wrong fee model!  However, I do believe there is a right fee model based on the client's circumstances.  This is why we designed our fee structure the way we do, because we serve retirees with $1mm - $5mm of investible assets.  In this episode, I'll talk about “free financial planning,” the different fee models, what those fees are from a $ perspective, and 5 recommendations if you are considering hiring a financial advisor.  Takeaways:If you're hiring a financial advisor, make sure they serve retirees/pre-retirees like YOU.Many advisors focus solely on investment management, neglecting comprehensive planning.DIY investors often have blind spots that a good advisor can help identify.Be cautious of 'free' financial planning services; they often come with hidden costs.The fiduciary standard is crucial; only fee-only advisors are true fiduciaries.Different financial advisor models have varying incentives and conflicts of interest.Advice-only models can be beneficial for DIY investors seeking validation.Calculate fees based on dollar amounts, not just percentages.Consider the long-term value of the services provided by your advisor.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Other Links Mentioned:Where do I find a retirement-focused financial advisor? (article)This is for general education purposes only and should not be considered as tax, legal or investment advice.

Fall might still feel far off, but if you want a successful fall harvest, now is the time to start those seeds indoors. Today on Just Grow Something, I walk you through the step-by-step timing strategy for indoor seed starting specifically for fall gardening.Learn how to:Calculate back from your first fall frost date to find yoursowing and transplanting windowsAdjust days to maturity using the “fall buffer” methodChoose the best crops to start indoors based on your zone and daylight hoursUtilize strategies for short-season gardeners and season extendersFrom understanding the Persephone period to selectingshort-season varieties, this episode equips you with the tools to master indoor seed starting for the fall garden. Let's dig in!Fall Buffer Chart:Planting Window Before Frost: Days to Maturity Adjustment> 11 weeks: +10% buffer8–10 week: +20% buffer5–7 weeks: +40% buffer3–4 week: +70% buffer Links:Save 20% on your new own-root rose plant at Heirloom Roses with code JUSTGROW https://heirloomroses.comSeed to Sprout Course: https://www.justgrowsomething.com/indoor-seed-startingResources:Plant Growth Factors: TemperatureSowing Planting Calculation | UC Agriculture and Natural ResourcesFall Vegetable Gardening | UGA Cooperative ExtensionFind the full show notes at https://justgrowsomethingpodcast.com/episode/fall-garden-seed-starting-secrets-ep-257

On today's episode of the Money Matters Podcast, Wes Moss and Christa DiBiase unlock powerful retirement and investment moves that could help shape your financial future. Today, they: • Explore how a couple with $5M in assets can consider early retirement while balancing tuition payments and uncertain markets. • Calculate the power of the 4% rule and see how $5M can potentially yield $200,000 annually in sustainable withdrawals. • Learn why emotional timing and slow investing may not always serve you best in today's interest rate environment. • Discover the real purpose of a financial manager—and why it's not about “beating” the S&P 500. • Examine the peace of mind that can come come from a 6-9 month investment strategy instead of stretching it over years. • Hear from a retired law enforcement officer with a $4,200/month pension weighing travel vs. keeping property—find out why selling his home may unlock nearly $90K/year in income. • Understand how capital gains exclusions might work when selling a primary residence before moving abroad. • Get clarity on using the new 529-to-Roth rollover rule—how parents can repurpose unused college funds for their working children. • Adjust your withdrawal strategy based on life expectancy—learn how shorter horizons (like 20 years) might allow for higher withdrawal rates, up to 5.5%. • Evaluate pension options that vary in payout length and amount—see how selecting the right one could impact your long-term cash flow. • Align retirement timing with market conditions—hear why one couple may want to delay retirement to avoid locking in stock losses. • Balance equity-heavy portfolios before retirement to help avoid relying too heavily on market performance. • Plan major home renovations before retiring—discover why waiting could turn into a costly trap. • Examine harnessing low-income years to help strategically harvest long-term capital gains—while possibly staying in the 0% tax bracket. • Use tax loss harvesting to offset gains and rebalance portfolios more efficiently. • Hear a real success story: consistent $1,000/month investing for 20 years yields over $2M—now learn how to effectively shift from aggressive to conservative assets. • Understand the difference between Roth contributions and Roth conversions—and avoid costly mix-ups.

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

Mark works 60 hours a week running his building company while his foreman works 40 hours - yet Mark only makes $2 more per hour despite carrying all the liability, stress, and responsibility. Sound familiar? Join Marty Amos as he breaks down Chapter 1 of The Profitable Builders Playbook, revealing why the top 5% of building company owners work just 35 hours per week while the bottom 25% grind through 65+ hour weeks. Discover the Professional Builder Rate formula that shows your true hourly worth, the genius zone matrix that identifies which tasks you should eliminate, and the step-by-step process to buy back one full day per week in 90 days. Learn why working more hours doesn't equal more money, how to create your stop-doing list, and why the most successful builders focus 80% of their time on high-fun, high-skill, high-value tasks that actually move the needle. Key Points 00:00:00 Introduction: Why great builders get trapped on the hamster wheel 00:03:20 The shocking truth about builder earnings vs. hours worked 00:05:40 Step 1: Reverse engineering your ideal lifestyle and vision 00:08:15 Step 2: Calculating your Professional Builder Rate (PBR) 00:11:30 Step 3: The genius zone matrix - mapping skill vs. fun 00:14:45 Step 4: Creating your stop-doing list every 90 days 00:17:20 Step 5: The Freedom Finder and default diary structure 00:20:10 Why systems beat speed every time 00:22:30 Action steps: Calculate your current PBR and set targets Tune in to discover how to escape the trap of working harder for less money and start building a business that works for you instead of the other way around. Follow TPB for more:

Master ISO, shutter speed, and f-stops for perfect low-light shots without auto mode.   Click here for a full transcript: NYC Photo Safari

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.

Michael Fanning is a real estate coach specializing in mindset transformation and helping real estate professionals scale their businesses through strategic systems and delegation. Michael teaches "The Windmere Way" class and provides coaching to help agents transition from working harder to working smarter.This transformative episode dives deep into identifying High Income Producing Activities (HIPAs) and mastering the art of strategic delegation for real estate professionals. Michael explores the critical mindset shift from "I have to do everything" to "I choose to do what only I can do."[00:00 - 02:30] Introduction & Core ConceptWelcome and episode overviewThe mindset shift: Working smarter, not harderIntroduction to High Income Producing Activities (HIPAs)[02:30 - 08:00] Defining High Income Producing ActivitiesWhat activities actually generate revenue in real estateLead generation activities (prospecting, networking, sphere of influence)Client-facing activities (consultations, negotiations, showings)Business development and strategic partnershipsWhat's NOT on the HIPA list (administrative tasks, graphic design, etc.)[08:00 - 18:00] The Four-Phase Delegation Process ModelPhase 1: The Doer (0-10 transactions/year)Phase 2: The Strategic Delegator (10-25 transactions/year)Phase 3: The Team Builder (25-50 transactions/year)Phase 4: The Business Owner (50+ transactions/year)[18:00 - 25:00] Practical Implementation StrategyStep 1: Time audit exerciseStep 2: Calculate your target hourly rateStep 3: Start small and strategicStep 4: Create systems firstStep 5: Measure and adjust[25:00 - 32:00] Finding and Hiring Your First AssistantTypes of administrative help (Virtual assistants, local assistants, specialized services)Where to find qualified candidatesWhat to look for in candidatesProven hiring process and tips[32:00 - 37:00] Overcoming Delegation ResistanceCommon objections and mindset barriers"Nobody can do it as well as I can"Cost concerns and opportunity cost analysisFear of losing controlTime investment in training[37:00 - 40:00] Recommended Reading & ClosingBook recommendations for continued growthFinal thoughts on working smarterCall to action and contact informationTarget Goal: Spend 70% of your time on high income producing activitiesDelegation Rule: If someone else can do it for less than your target hourly rate, delegate itStart Small: Begin with one delegation decision and build from thereSystems First: Create clear processes before delegatingMindset Shift: Move from operator to orchestratorEssential Books Mentioned:Deep Work by Cal NewportThe E-Myth Revisited by Michael GerberTraction by Gino WickmanAtomic Habits by James ClearWho Not How by Dan SullivanThe Four Hour Work Week by Tim FerrissGood to Great by Jim CollinsThe Hard Thing About Hard Things by Ben HorowitzCRM Systems: Chime, CloseVirtual Assistant Platforms: Belay, Time Etc, OnlineJobs.phReal Estate VA Services: MyOutDesk, VirDeskProject Management: AsanaCommunication: SlackTraining Tool: Loom (for creating SOPs with screen recording)Job Boards: ZipRecruiter, Upwork, LinkedInReady to take your real estate business to the next level?Coaching Services AvailableWebsite: windmercoaching.comLearn about "The Windmere Way" classIndividual coaching for mindset and goal achievementComplete a one-week time audit of your activitiesCalculate your target hourly rateIdentify one task to delegate this weekChoose one recommended book to read this monthBe awesome and help somebody!If this episode helped you think differently about delegation and working smarter, please rate and review. Share with an agent who needs to hear this message - sometimes the person who needs it most is just one share away.Episode OverviewShow Segments & TimestampsKey TakeawaysRecommended Reading ListTools & Resources MentionedContact InformationEpisode Challenge

The Burn Multiple Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. The burn rate is a key metric for high-growth startups. This is the amount of cash being spent over and above the cash revenue taken in. The Burn Multiple is the amount of cash being burned divided by the net revenue. This metric indicates how fast the money is being spent compared to the growth rate. For startups that are in high-growth mode, this metric ranges from 1 to 5X. The lower the multiple, the more efficient the business. In diligencing a startup, calculate the Burn Multiple to check the capital efficiency. Most healthy startups run in the 1x to 2x range. Anything below 1x is outstanding. Anything above 2x is in the questionable zone. Anything above 3x is in the danger zone. The Burn Multiple by itself doesn't give the full story. But it does indicate the capital efficiency of the business or the lack thereof. Calculate the Burn Multiple for your business.   Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _______________________________________________________ For more episodes from Investor Connect, please visit the site at:   Check out our other podcasts here:   For Investors check out:   For Startups check out:   For eGuides check out:   For upcoming Events, check out    For Feedback please contact info@tencapital.group    Please , share, and leave a review. Music courtesy of .

In this episode I'll explain how different numbers and number combinations contribute to polarized thinking - a phenomenon that causes much conflict world-wide. By learning how your numbers contribute to polarized thinking, you can contribute your part to making this world a more peaceful space.Follow me on ⁠⁠⁠⁠Substack⁠⁠⁠⁠⁠⁠⁠Check out the FIRST COURE EVER on ⁠⁠⁠⁠⁠⁠⁠⁠Number Combinations!⁠⁠⁠⁠⁠⁠⁠⁠Check out my ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Complete Numerology Certification ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Program, from beginner to ExpertTo read more and book a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Professional Numerology Reading⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fundamentals Self-Study Numerology Course ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join my ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook Numerology Group⁠How to Calculate your 5 Core Numbers

#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

  The Green Impact Report Quick take: LEED Fellow Bonny Gray reveals how she built the world's largest cistern under a parking garage, battles "LEED-like" terminology that's undermining green building credibility, and why prefabricated construction might be the key to scaling sustainability. Meet Your Fellow Sustainability Champion Bonita Tice Gray, AIA LEED AP BD+C, is Director of Sustainability and Quality at Method Architecture and a 2022 LEED Fellow—the green building industry's most prestigious professional designation.  Selected as one of only 20 distinguished green building professionals worldwide, Bonny has made exceptional contributions to sustainability in Texas over her decade-plus career. Her achievements include administering diverse LEED and Austin Energy Green Building projects, serving as Author/Liaison for SXSW Eco from 2013-2016, and leading as USGBC Central Texas Co-Chair. She created the LEEDv4 Green Associate Professionals class and authored the Texas Green School Symposium.  Starting her journey in Iowa farm country with a coal-heated 1916 home, Bonny discovered her passion for architecture walking through the beautiful red brick Architecture Hall at University of Nebraska—where she was one of only two women in her graduating class.

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

What's the difference between fixed income and "stable" income? Lance Roberts & Jonathan Penn break down the key differences between Dividend Stocks vs fixed income investments like bonds and annuities, and other strategies often labeled as stable income; how each performs in various market environments, the risks you may not see, and what every retiree or income-focused investor should consider. Lance and Jon also address the #1 Thing that homeowners regret about their houses, and a special "Two Dad's on Money" episode about whether your college grad kid should move back in with Mom & Dad. SEG-1: Retail Sales Preview, Where Market Risk Remains SEG-2: Are Dividend Stocks "Stable" or Fixed? SEG-3a: How to Calculate (and understand) Dividend Risk SEG-3b: Homeowners' #1 Remorse SEG-4: Two Dad's on Money - Should Your College Grad Move Back Home? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=jV5Oepv5zPM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Articles mention in this show: "The Bull Rally Continues" https://realinvestmentadvice.com/resources/blog/the-bull-rally-continues/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Where Downside Risk Remains," is here: https://www.youtube.com/watch?v=cIyoblbtIdg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "How the Iran-Israel Conflict Could Shock Global Markets," https://www.youtube.com/watch?v=J3v0Xj2_iJ8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PensionFund #DownsideRisk #BullishMarkets #USDollar #IranIsraelConflict #MarketRally #GeopoliticalRisk #FixedIncome #StableIncome #RetirementPlanning #IncomeInvesting #FinancialEducation #MarketVolatility #IranIsraelConflict #TwoDadsOnMoney #CollegeGrads #InvestingAdvice #Money #Investing

What's the difference between fixed income and "stable" income?  Lance Roberts & Jonathan Penn break down the key differences between Dividend Stocks vs fixed income investments like bonds and annuities, and other strategies often labeled as stable income; how each performs in various market environments, the risks you may not see, and what every retiree or income-focused investor should consider. Lance and Jon also address the #1 Thing that homeowners regret about their houses, and a special "Two Dad's on Money" episode about whether your college grad kid should move back in with Mom & Dad. SEG-1: Retail Sales Preview, Where Market Risk Remains SEG-2: Are Dividend Stocks "Stable" or Fixed? SEG-3a: How to Calculate (and understand) Dividend Risk SEG-3b: Homeowners' #1 Remorse SEG-4: Two Dad's on Money - Should Your College Grad Move Back Home? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=jV5Oepv5zPM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Articles mention in this show: "The Bull Rally Continues" https://realinvestmentadvice.com/resources/blog/the-bull-rally-continues/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Where Downside Risk Remains," is here:  https://www.youtube.com/watch?v=cIyoblbtIdg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1  ------- Our previous show is here: "How the Iran-Israel Conflict Could Shock Global Markets," https://www.youtube.com/watch?v=J3v0Xj2_iJ8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PensionFund #DownsideRisk #BullishMarkets #USDollar #IranIsraelConflict #MarketRally #GeopoliticalRisk #FixedIncome #StableIncome #RetirementPlanning #IncomeInvesting #FinancialEducation #MarketVolatility #IranIsraelConflict #TwoDadsOnMoney #CollegeGrads #InvestingAdvice #Money #Investing

Hiring is never just about plugging a hole. It's a strategic leadership move—and when rushed or mismanaged, it can quietly sabotage your entire practice. In Part 2 of the Hiring Series, Dana and Sandy dive deep into what happens between identifying a hiring need and getting the green light to bring someone on board. From pecking orders to prep work, leadership courage to legal compliance, they unpack everything you should have in place before you hit “post job ad.” They also share formulas and benchmarks to help you bring data—not just emotion—into your hiring decisions. Because the right people in the right seats don't just ease stress... they build your business. You'll learn how to: ✅ Calculate attrition rate and turnover cost ✅ Know when leadership is lagging—and how to step up ✅ Use team dynamics and KPIs to confirm true staffing needs ✅ Spot red flags in candidates and existing team members ✅ Make confident decisions about who to keep, who to lose, and when to act fast

The 6-5-4 bucket strategy can transform your retirement savings into a sustainable income stream while maintaining long-term growth potential.In today's epsiode I dive into this on more detail: A simple yet powerful approach that creates a clear withdrawal plan that provides both financial security and peace of mind during market volatility.• Calculate your retirement income needs • Set aside living expenses in an emergency fund• Five years (60 months) of income needs in a second bucket • Invest the remaining portfolio for growthIf you want to learn more about how the 6-5-4 strategy may apply to your situation, reach out directly for personalized guidance.

Today, we're uncovering the key metric that commercial real estate investors use for evaluating deals - the cap rate.  It's more than just a formula, so make sure to stick around until the end of this episode to know how to use the cap rate effectively. Join Our Investor Club: https://bit.ly/4kD0QA1 This episode was originally released on March 1, 2024.   

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA  think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas. Free financial resources & episode transcript: https://bit.ly/ymyw-533 WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment The origins of Will the Gas Siphoner (audio only) ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW 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 01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint 11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA) 14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner) 24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors 25:53 - ESOP and NUA Explained (Tess & Finn, TX) 31:53 - Tribute to Betsey Clopine, 1933 - 2025 33:17 - YMYW Podcast Outro

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:

The capitalist approach to Judaism? Rambam vs. Meiri on הֱוֵי מְחַשֵּׁב הֶפְסֵד מִצְוָה כְּנֶגֶד שְׂכָרָהּ https://thechesedfund.com/rabbikatz/support-rabbi-katzz-podcast

In this episode, we break down how to calculate WACC, one of the most common technical questions in finance interviews. You'll learn what each component means, from the cost of equity to the after-tax cost of debt. We explain how to determine the right capital structure weights and why WACC is critical in valuation. Using a real JPMorgan HireVue example, we show you how to answer clearly and confidently. Want help securing an offer from a top tier firm on Wall Street? Apply here: wallstmastermind.com/applyutm_source=podcastep363

Get in Touch! Send us a message.Hey there, welcome back to Elevated! I'm Brandy Lawson, and today we're talking money—specifically how to figure out if that shiny new design software is actually worth your hard-earned cash. GET IN TOUCH

Send us a textBuckle up for a wild ride as June storms in with the intense energy of the Yang Water Horse! This cosmic combination creates a month that's volatile, impatient, and impossible to control – but with the right approach, you can harness its power rather than being swept away by it.Chinese astrologer QiPro Sam breaks down June's astrological landscape, explaining how this month's potent energy affects each of the 10 Day Masters differently. From the steady Jia (Yang Wood) being tested by fast-moving developments to the refined Xin (Yin Metal) experiencing personal breakthroughs, each element receives tailored guidance for navigating these turbulent cosmic waters.The episode dives deep into the month's hidden dynamics, revealing how the Yang Water (ocean) and Yang Earth Horse (with its fire influence) create a month that demands strategic movement rather than brute force. Sam shares Bruce Lee's wisdom to "be like water," finding your way through obstacles rather than trying to smash through them – perfect advice for a month that will test everyone's ability to bend without breaking.Beyond Day Master insights, you'll discover how June particularly impacts those with Horse, Ox, Rabbit, or Rat in their birth charts. Sam provides practical date recommendations, highlighting June 16th as especially favourable while warning against activities on June 11th, 12th, 23rd, and 24th. The episode balances technical astrological knowledge with pragmatic advice that emphasizes your personal agency in working with these energies.Whether you're facing career decisions, relationship challenges, or simply want to align your actions with supportive cosmic forces, this forecast equips you with the awareness to navigate June strategically. Calculate your Day Master at QiProSam.com, then return to this episode for personalized guidance that transforms potential chaos into opportunity.Order Your Annual Update With Sam: HERE

Photographers and videographers—if you've ever wondered how to pay yourself consistently (even during slow seasons), this episode is for you. Financial coach Gina Knox joins Shayna and Devin to break down how to build a sustainable business using her signature Cash Flow Waterfall system. We talk about why percentage-based pay strategies don't work, how to stop self-sabotaging your finances, and the mindset shifts creative entrepreneurs must make to scale. Plus, we get real about our own finances and why we've never paid ourselves from Hey, Thriver—until now.

Tariffs killed Carl's investment portfolio and left him wondering if he should claim Social Security early. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for him today on Your Money, Your Wealth® podcast number 531. Kelly and Steve in Pennsylvania ask for a three-fer spitball - when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they're on track for Kelly to retire in three years. Free financial resources & episode transcript: https://bit.ly/ymyw-531 CALCULATE your free Financial Blueprint WATCH The Retirement Course: Can You Hit a Hole in One? on YMYW TV 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 Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:21 - Tariffs Killed My Portfolio. Should I Claim Social Security Early? (Carl) 10:14 - Watch The Retirement Course: Can You Hit a Hole in One? on YMYW TV, Calculate your free Financial Blueprint 11:13 - When Should We Claim Social Security? Roth Contributions or Conversions? Are We On Track for Retirement? (Kelly & Steve) 25:00 - Download the Key Financial Data Guide, YMYW Podcast Outro

Is There a Calculation?

Show the Business Model Unit Economics Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. Early-stage companies pitching investors often have little revenue traction. In place of traction, show how the business model performs on the unit economic level. Calculate the cost of acquiring a customer and the expected lifetime value of that customer. Show the ratio between the two and make a note of it. Show how your business model is profitable at the unit economic level. This will resonate with investors who seek working business models. Discuss the variability of the costs and how the costs will scale with the business. Make a note of the gross margins and the profit margins at the early stage. Some investors judge the business based on the margins and the variability of costs. This allows the startup to ride the economic waves of good times as well as bad times. Show how the business is close to breakeven already. Note how few customers it will take to reach break-even. Show how the business is profitable at the very early stages. Show the business model in unit economic terms when pitching to an investor.   Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _______________________________________________________ For more episodes from Investor Connect, please visit the site at:   Check out our other podcasts here:   For Investors check out:   For Startups check out:   For eGuides check out:   For upcoming Events, check out    For Feedback please contact info@tencapital.group    Please , share, and leave a review. Music courtesy of .

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 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 Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

SEND US A QUESTION OR TOPIC FOR A FUTURE SHOW...In this episode of the KISS Dog Training Podcast, Mike tackles the concept of “Dog Math”—that adding a dog to the equation of your life!  Whether it's juggling energy levels, managing unexpected behavior quirks, or dealing with the emotional reality of canine companionship, sometimes 1 + 1 = overwhelmed. The equation is different for every dog. Calculate what you need with the tips from this episode!Mike breaks down why adding a second (or third!) dog to your home doesn't always double the love—or the harmony. From assessing your current dog's needs to being honest about your own capacity, we explore how to make smart, compassionate choices for both humans and pups.Don't forget to like, subscribe, and share with fellow dog lovers!

SPONSOR: Direct Bullion. Download your free Guide to Gold Pensions Now. (plus get a special bonus).CLICK HERE NOW: https://robmoore.directbullion.com Rob reveals his formula for early retirement based on his own experience of retiring three times! Rob shares his ICE investment framework, debunks common retirement myths and explains why a million pounds isn't enough anymore. KEY TAKEAWAYS Setting your retirement number is essential. Calculate how much annual income you want, double it for tax, then determine what capital sum would generate this. But remember, inflation will erode this over time. The best investment strategy combines income, capital and equity (ICE). Property and well run businesses offer all three elements, while other investments like gold or Bitcoin usually provide only one or two. Keep your largest expenses (housing, transportation, travel) as low as possible for as long as possible while investing heavily, rather than obsessing over small daily purchases. Continuously reinvesting profits rather than drawing income dramatically speeds up compounding, your capital pot grows faster, generating more income over time, protecting your wealth from both market volatility and your own spending habits. The fastest way to reach your retirement number is through business ownership which has the highest risk but greatest control. Property provides the most reliable passive income once you retire (combining income, capital appreciation, and equity potential). BEST MOMENTS "I retired at 29, not even a week, went on a week's holiday. My business partner was like, the world is fucked. Get back. I was bored anyway on the ski holiday." "You don't save for retirement. You plan for retirement. The only source of income from the government is taxation and you are the source of taxation, the only source of money from the banks, the savers, and the depositors, which is you." "You can never save your way to wealth. Savers are losers. Savings are degrading. The only way you can ever get rich is investing, either investing your time into your own company or investing your money into assets." "Warren Buffet says, well, everyone doesn't like it when their stock goes down. I love it when my stock goes down 'cause I just buy more." "Most people, when they're doing really well, they just spend it and waste it. But you wanna be planning for the rainy days, the lower days." "To get to your retirement age or number quicker, it's a business. But to retire, it's a property portfolio." VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything” CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979 See omnystudio.com/listener for privacy information. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Stop waiting for the perfect property and start building wealth now through rentvesting - the strategy that's changing how Australians enter the property market. Rentvesting turns traditional property ownership on its head. While your parents might have laughed at the idea of paying someone else's mortgage instead of your own, today's financial landscape makes this approach surprisingly powerful. By purchasing an investment property (anything to get into the market) while renting where you actually want to live, you can start building equity years before you might afford your dream home.We break down exactly why this makes mathematical sense: a $500,000 studio apartment growing at 10% annually generates $50,000 in equity compared to saving just $5,000 extra per year while waiting. The numbers become even more compelling with today's interest rates - a $3 million home in Freshwater could cost $6,000 weekly in mortgage payments but rent for just $2,000! As tenants, you also avoid maintenance headaches, council rates, strata fees and repair costs.For first home buyers, we dispel myths about grant requirements and explain the multiple financial assistance programs available, including using your super for deposits and avoiding Lenders Mortgage Insurance with smaller deposits. Stop letting perfect be the enemy of progress - the property market waits for no one, and the sooner you're in, the faster you'll build wealth. Ready to explore if rentvesting could work for you? Calculate what you can buy today, compare potential rental income to mortgage costs, and witness how this strategy could accelerate your property journey.

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds? Free financial resources & episode transcript: https://bit.ly/ymyw-529 WATCH How to Break Through Retirement Barriers on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW 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 01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA) 06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL) 16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint 16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ) 25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA) 29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online 31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME) 36:23 - Outro: Next Week on the YMYW Podcast

When making offers on distressed properties, most new wholesalers have no idea how to accurately calculate the cost of repairs and either guess or they spend way too much time trying to figure it out. If you underestimate the cost of repairs, you could overpay and contract a bad deal, which is a common mistake many wholesalers make.FREE Deal Analyzer Software:http://MyDealAnalyzer.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

Stop Guessing Your Calories! Figure Out Your Daily Calories For Losing Fat (Step-by-Step)Tired of guessing how many calories you should eat to lose fat, gain muscle, or just feel good again? You're not alone—and the good news is, you don't have to guess anymore.In this video, I'm walking you through the exact calorie calculation method I use with the women over 40 I coach through my online fitness and nutrition program. Whether your goal is fat loss, muscle gain, or body recomposition, I'll show you how to do it in a smarter, more sustainable way—without extremes or confusion.You'll learn how to calculate your Resting Metabolic Rate (RMR), factor in daily movement (NEAT) and exercise activity (EAT), and determine your Total Daily Energy Expenditure (TDEE)—so you can set your calories with confidence and finally see results.✅ Step-by-step calorie calculation✅ Real client example to follow along✅ RMR and TDEE explained clearly✅ How to set calories for fat loss, muscle gain, or recomp✅ Why women over 40 need a different approachIf you're ready to take the guesswork out of your nutrition and start making real progress, this video is your starting point.Looking for a personalized calorie plan designed just for you?Learn more about my Online Personal Training for Women Over 40:https://julielohre.com/online-personal-training/FOLLOW ME

Your next big career move won't happen by accident. Want insider strategies top performers use to dominate their fields? Click here fields.https://www.5minutecareerhack.com/careerpowerplay1Ready to stop applying and finally secure the job you want? This week, I'll tell you straight up where the opportunities reside: Resource Optimization.Forget taking on endless projects. The highest-paid professionals in 2025 are masters of doing more with less. This episode provides a clear, two-step process to leverage this powerful approach: building your "more with less" portfolio and creating your Resource Impact Dashboard.Learn exactly how to:➟ Document even small efficiency improvements that have a big impact.➟ Calculate resource savings in tangible terms (time, money, headcount).➟ Map your efficiency gains directly to company objectives.➟ Visualize the long-term and scaled impact of your optimizations.Don't let your valuable contributions remain invisible! Start implementing these actionable steps today to stand out, demonstrate your strategic value, and position yourself for significant career advancement and higher compensation (check out the free salary negotiation course! https://www.5minutecareerhack.com/negotiationcourse).V I D E O S T O W A T C H N E X Thttps://www.youtube.com/watch?v=jCBFYSWyUE0&list=PL65BoZPbF6nLqF6SARdi4ghVyTd8lgEHz&index=2https://www.youtube.com/watch?v=e9U5E_24naE&list=PL65BoZPbF6nJ2Rua4FZcekQeYVB4tE4SZ&index=1&t=1s

In this episode, Jeffrey discusses a method for service costing. Each week, Jeffrey will be sharing his knowledge on Service Delivery (Mondays) and Service Management (Thursdays). Jeffrey is the founder of Service Management Leadership, an IT consulting firm specializing in Service Management, Asset Management, CIO Advisory, and Business Continuity services.  The firm's website is www.servicemanagement.us.  Jeffrey has been in the industry for 30 years and brings a practical perspective to the discussions. He is an accomplished author with seven acclaimed books in the subject area and a popular YouTube channel with approximately 1,500 videos on various topics.  Also, please follow the Service Management Leadership LinkedIn page.

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We'll also find out what an SMA is.) Free financial resources & episode transcript: https://bit.ly/ymyw-527 CALCULATE your free Financial Blueprint DOWNLOAD The Withdrawal Strategy Guide for free DOWNLOAD 10 Steps to Improve Investing Success for free WATCH Your 11-Step Path to Financial Freedom on YMYW TV 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 Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale) 13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint 14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN) 25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC) 31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free 32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA) 40:46 - Next Week on the YMYW Podcast

Scott and Wes break down the tricks and techniques for making your app feel blazing fast—even when it's not. From optimistic UI to preload-on-hover, it's all about perception, not just performance. Show Notes 00:00 Welcome to Syntax! 01:12 Brought to you by Sentry.io. 02:34 Mousedown or pointerdown events. 06:00 UI animations should be fast. 08:00 Animations should not block interaction. 08:20 Animations should be cancellable / reversible. 10:50 Optimistic UI. 12:37 Local Data. 13:36 Delay loading indicators. 14:40 Page loading indicators. 15:47 Preload on hover. 17:13 Calculate mouse trajectory. 18:51 Full page spinner on every change. 20:04 Pixelated spinners. 20:23 Skeleton loaders. 23:43 Photo frames. 25:52 Search on input instead of search on click. 26:46 Progress loaders than move in between steps. 27:31 Community submissions. Hit us up on Socials! Syntax: X Instagram Tiktok LinkedIn Threads Wes: X Instagram Tiktok LinkedIn Threads Scott: X Instagram Tiktok LinkedIn Threads Randy: X Instagram YouTube Threads

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

⚖️ How to Handle a Divorce When Children Are Involved? | Los Angeles Divorce

Being Childfree comes with its own set of financial rules—so does that mean life insurance is off the table? In this episode, we dive into whether Childfree individuals actually need life insurance, uncovering scenarios where it might make sense (hint: it usually doesn't!).We explore why term life insurance could be valuable if others truly rely on your income—like a disabled spouse, dependent parents, or business partners—and caution against costly traps like whole life or universal policies often pushed by commission-based agents. You'll learn why mixing investment with insurance rarely pays off, and why working with a fee-only financial planner is crucial.We'll also help you evaluate existing policies, figure out if you're over-insured, and determine when employer-provided life insurance makes sense.Action Items:✅ Review existing life insurance policies to assess their necessity.✅ Consult a fee-only financial planner for personalized guidance.✅ Check the specifics of your employer-provided coverage.✅ Calculate your actual financial obligations before considering any new policy.Tune in to confidently navigate life insurance decisions without kids—no unnecessary coverage, just smart protection! The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

SHOW NOTES: Today we're learning about how to calculate your estimated due date and your estimated gestational age so that you can know for yourself when your "guess date" is of when your baby will be joining your family!   Resource - Perinatology.com   Helpful Links: — BIBLE STUDY - FREE Bible Study Course - How To Be Sure Of Your Salvation - https://the-ruffled-mango-school.teachable.com/p/how-to-be-sure-of-your-salvation   — CHRISTIAN CHILDBIRTH EDUCATION - Sign up HERE for the Your Birth, God's Way Online Christian Childbirth Course! This is a COMPLETE childbirth education course with a God-led foundation taught by a certified nurse-midwife with over 20 years of experience in all sides of the maternity world! - https://go.yourbirthgodsway.com/cec   — HOME BIRTH PREP - Having a home birth and need help getting prepared?  Sign up HERE for the Home Birth Prep Course. — homebirthprep.com   -- COACHING - Sign up for your PERSONALIZED Pregnancy Coaching Midwife & Me Power Hour HERE  — https://go.yourbirthgodsway.com/powerhour These consults can include: birth plan consultation, past birth processing, second opinions, breastfeeding consultation, and so much more!  Think of it as a special, one-hour appointment with a midwife to discuss whatever your concerns may be without any bias of practice policy or insurance policy influencing recommendations.   — GET HEALTHY - Sign up here to be the first to know about the new Women's Wellness Program coming from Lori SOON! https://go.yourbirthgodsway.com/yourhealth   — MERCH - Get Christian pregnancy and birth merch HERE - https://go.yourbirthgodsway.com/store   — RESOURCES & LINKS - All of Lori's Recommended Resources HERE - https://go.yourbirthgodsway.com/resources   Sign up for email updates Here   Be heard! Take My Quick SURVEY to give input on future episodes you want to hear -- https://bit.ly/yourbirthsurvey   Got questions?  Email lori@yourbirthgodsway.com     Social Media Links: Follow Your Birth, God's Way on Instagram! @yourbirth_godsway Follow the Your Birth, God's Way Facebook Page! facebook.com/lorimorriscnm Join Our Exclusive Online Birth Community -- facebook.com/groups/yourbirthgodsway   Learn more about Lori and the podcast at go.yourbirthgodsway.com!   DISCLAIMER:  Remember that though I am a midwife, I am not YOUR midwife.  Nothing in this podcast shall; be construed as medical advice.  Listening to this podcast does not mean that we have entered into a patient-care provider relationship. While I strive to provide the most accurate information I can, content is not guaranteed to be 100% accurate.  You must do your research and consult other reputable sources, including your provider, to make the best decision for your own care.  Talk with your own care provider before putting any information here into practice.  Weigh all risks and benefits for yourself knowing that no outcome can be guaranteed.  I do not know the specific details about your situation and thus I am not responsible for the outcomes of your choices.    Some links may be affiliate links which provide me a small commission when you purchase through them.  This does not cost you anything at all and it allows me to continue providing you with the content you love.  

Want to lose 20 pounds without slowing your metabolism or sacrificing muscle? In this episode Chalene Johnson dives into a science-backed strategy that skips the quick-fix diets and focuses on doing it the right way. You'll learn how to use AI tools to create a personalized plan that fits your lifestyle and goals. Plus, find out how to burn more fat with small daily changes—no extra workouts required. If you're ready for lasting results, don't miss this one.

In this episode, Chris William breaks down a simple, no-nonsense approach to figuring out how many calories you should be eating to lose fat, build muscle, or maintain your current weight. Learn the easiest way to calculate your needs, what factors to consider, and how to adjust over time for continued progress. Simplifying better health. For more FREE straightforward, no-nonsense advice

Episode Description Are your dreams taking longer to achieve than you expected? In this eye-opening episode, Scott Smith shares a powerful mindset shift that could save you time, money, and heartache on your journey to success. Drawing from his experience with a struggling business client, Scott introduces his "learn, churn, and burn" formula—three critical questions you should answer before embarking on any significant venture. Whether you're growing a business, starting a side hustle, or pursuing any worthwhile goal, understanding your timeline for skill development, commitment, and resource depletion can be the difference between success and disappointment. Scott cuts through the motivational fluff and delivers the "coming of Jesus, kick-in-the-butt" truth about what it really takes to turn dreams into reality. This episode offers practical wisdom to help you create a realistic success timeline and focus your energy on the minimal viable actions that truly move the needle. Featured Story Scott shares the story of visiting a client whose new business was growing slower than expected, causing significant stress as money was running out. Through a series of strategic questions about skill acquisition, commitment timeframes, and resource management, Scott helped the client create a focused plan with a definite timeline. Within a few months, the client reached their goal and has maintained a successful business ever since. Key Takeaways Most people underestimate how long it takes to develop the skills needed for success Setting arbitrary deadlines for achievement often leads to failure Understanding exactly how long your resources will last is crucial for realistic planning The support of family members (especially spouses) is a critical resource often overlooked Creating a clear inventory of your situation allows you to develop a viable action plan It takes far less than most people think to achieve their goals when they focus their energy Any worthwhile project has a better chance of success with realistic process expectations Dreams require specific skill sets and mindsets to be achieved Memorable Quotes "Success is always bigger than failure." "It takes far less than you think to get what you want." "Any worthwhile project stands a far better chance of success if you are realistic about the process before you ever get started." Scott's Three-Step Approach Calculate your skill timeline: Honestly assess how long it will take you to learn the specific skills necessary for your particular goal or venture. Determine your commitment threshold: Decide exactly how long you're willing to "churn and work" at your goal before reaching your breaking point. Inventory your burn rate: Calculate precisely how long your resources (money, credit, favors, family support) will last, then create a minimal viable action plan that fits within these constraints. Connect With Scott Search for The Daily Boost on Apple Podcasts and Spotify. Email: support@motivationtomove.com Main Site: https://motivationtomove.com Face Your Passion: https://www.faceyourpassion.com/ 9-Minute Clarity Code: https://www.9minuteclaritycode.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Most investors calculate rental income the wrong way—and it's costing them big. Kris Krohn breaks down the real way to calculate rental property cash flow, taking every hidden expense into account. Learn why net numbers matter more than gross and how small mistakes can turn a "great deal" into a disaster. If you want to build real wealth in real estate, you need to do the math right.