Podcasts about calculate

In this episode of the Engineering Our Future podcast, Nicolai and I deliver a genuine, practical conversation about building real financial security through emergency funds and sinking funds. We draw from personal experience, sharing how our mindsets about money evolved and the crucial role that tailored, “bare bones” emergency funds play in handling life's curveballs—like sudden car breakdowns or medical bills. Our stories underscore that financial mistakes happen to everyone but can be great teachers, reinforcing the benefits of incremental progress and making informed, individualized choices based on one's comfort zone and risk tolerance.[15]“Financial peace isn't about having the perfect system—it's about building habits that give you confidence to handle both emergencies and expected expenses without fear or debt.”A central theme of our discussion is the distinction between emergency funds, meant for unexpected crises, and sinking funds, designed for predictable but irregular expenses such as holidays, birthdays, and home repairs. We provide actionable tips on setting up high-yield savings accounts, tracking various fund categories, and managing the psychological hurdle of using savings when needed. By emphasizing adaptable systems like customizable sinking funds and a strategic use of HSAs, this episode empowers listeners to start small, build habits, and gradually cultivate lasting peace of mind around money—the goal being to respond to both the expected and the unpredictable without fear or debt.Lessons and Takeaways* Build a tailored emergency fund - Calculate your personal “bare bones” monthly expenses and save 3-6 months' worth in a high-yield savings account to handle unexpected crises without going into debt.* Create separate sinking funds - Set up dedicated savings categories for predictable irregular expenses like holidays, birthdays, car maintenance, and home repairs to avoid financial stress when these costs arise.* Start small and build gradually - Begin with manageable savings goals ($500-1000) for your emergency fund, then consistently add to it over time rather than feeling overwhelmed by trying to save everything at once.* Optimize your health savings - Consider using HSAs strategically not just for medical expenses but as potential long-term investment vehicles with unique tax advantages.* Develop systems that match your psychology - Create financial tracking methods that work with your personality and habits, making it easier to maintain good money management practices consistently.Links and References* Remit Sethi Podcast* Psychology of Money* Episode on Paying Debt Get full access to Engineering our Future at engineeringourfuture.substack.com/subscribe

Send us a textMost S Corp owners follow the right steps, but still pay more tax than they should. A business earning over 300K can lose thousands simply by underusing core strategies.In this live case study, Mike Jesowshek, CPA, reviews a seven-figure business with an S Corp structure, a salary in place, and a record year of profit. You will see why this owner paid 30K in taxes and how that number can be reduced.If you feel like your tax plan has stopped working, this breakdown gives you a clear blueprint for moving from basic strategies into advanced tax planning.

This episode is sponsored by Yooz. Dynamics ERP customers take different approaches to evaluating investments in invoice automation technology, but the decision ultimately comes down to a few key decisions around cost, fraud, and productivity. Our guests on this episode, John Parisi of Yooz and Mark Munson of Ace Micro, have helped organizations of all sorts improve their financial management with Dynamics and AP automation, and in this conversation they reflect on some of the challenges of manual processes and how to overcome them, from data entry to approvals to security. John and Mark share their unique perspectives on the AP-related conversations they are having with GP and Business Central customers today related to fraud and error prevention, evaluating the cost of investing in AP automation, and planning to make it a reality. More from Yooz: Yooz: https://getyooz.com The Ultimate Guide to Accounts Payable Fraud: https://www.getyooz.com/accounts-payable-fraud?utm_source=msdw_pod&utm_medium=web Calculate your savings: https://www.getyooz.com/pricing?utm_source=msdw-pod&utm_medium=web Yooz on MSDW:  https://msdynamicsworld.com/vendor/yooz Yooz on the MSDW Podcast: https://msdynamicsworld.com/story/msdw-podcast-how-yooz-builds-strong-microsoft-dynamics-channel-partnerships

Send us a textMost private practices think they're doing effective marketing… but the truth? They're tracking the wrong numbers.In this episode, we break down the real secret to measuring marketing effectiveness—and why impressions, clicks, and “brand awareness” mean nothing if they don't turn into actual patients and revenue.You'll learn how to: • Track true ROI (not vanity metrics) • Identify where your patients are actually coming from • Calculate the cost to acquire a real client—not just a lead • Use attribution models to see which actions are truly moving the needle • Run campaigns that generate revenue instead of “noise” • Shift your marketing toward outcomes that support long-term growthIf you're tired of spending money on marketing that feels productive but doesn't change your bottom line, this episode will shift the way you make decisions—forever.Because marketing shouldn't make you feel “warm and cozy.” It should make you money.Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

In this episode of Unspoken Security, host A.J. Nash sits down with Dr. J. Lugo Santiago, Chief Operating Officer at QBRIC, to dig into how organizations actually calculate cyber risk—and why most current models fall short. Lugo explains that understanding risk is much more than looking at past incidents or relying on static checklists. Instead, he argues that real foresight comes from blending human insight, diverse data, and scenario planning to anticipate both likely and unexpected threats.Lugo challenges the habit of focusing only on what's already happened. He shows why leaders need to account for changing threats, business priorities, and even social trends—not just technical vulnerabilities or compliance checkboxes. The conversation underlines that effective risk management means more than patching yesterday's gaps. It requires building a culture where leaders feel the real impact of risk and use that discomfort to drive stronger decisions.Together, Nash and Lugo discuss why organizations must move beyond stoplight charts and generic risk scores. They call for practical, forward-looking approaches that tie risk to business value and encourage honest conversations—because seeing risk clearly is the first step to real resilience.Send us a textSupport the show

Introduction: Understanding Fuel Benefits Fuel benefits can look attractive on the surface—free fuel for your company car sounds great, right? However, the hidden tax costs can outweigh the perks. In this episode of the I Hate Numbers podcast, we break down how company car fuel benefits work, why they can become expensive tax traps, and how to decide whether it's really worth it. Main Topics & Discussion The Myth of “Free” Fuel Many business owners assume that having their company cover private fuel costs is a tax-efficient perk. However, the reality is that HMRC applies a significant benefit-in-kind tax to fuel provided for personal use. This means both the company and the employee could face unexpected costs at the end of the year. How HMRC Calculates the Tax The tax on company car fuel is based on a set “fuel benefit charge.” This combines a fixed amount (currently £27,800 for the 2025/26 tax year) multiplied by the car's CO₂ percentage band. For example, if your car's rate is 25%, the taxable benefit is £6,950. This amount is added to your personal income for tax purposes—meaning you'll pay tax as if you'd earned that money. Why It's Rarely Worth It In most cases, the actual cost of fuel you receive is lower than the tax you'll pay on it. Even though it seems like “free” fuel, you could easily lose hundreds or even thousands of pounds more in tax. The company also pays 15% Class 1A National Insurance on the taxable amount, adding to the total expense. A Simple Test: Is It Worth Keeping the Fuel Perk? Here's an easy way to check. Calculate how much personal fuel your company covers annually and compare it to the fuel benefit tax charge. If the tax bill is higher, you're better off reimbursing the company for personal mileage instead of accepting the “free” fuel benefit. Alternative Approaches That Save Tax There are smarter ways to handle fuel costs without falling into the tax trap. For example, you can: Pay for private mileage yourself and claim business mileage at HMRC's approved rate (45p per mile for the first 10,000 miles).Opt for hybrid or fully electric vehicles with lower or zero benefit-in-kind rates.Use business fuel cards solely for business journeys, ensuring private fuel is excluded. Record Keeping and Compliance HMRC requires accurate mileage logs to prove business use. Digital mileage apps or GPS-enabled records make this simple and protect you during potential audits. Keeping proper logs ensures you only pay tax on what's necessary—and stay compliant without the admin stress. Key Takeaway Fuel perks often turn into expensive tax traps. The “free” fuel you get might actually cost you more than paying for it personally. With careful planning and the right approach, you can avoid unnecessary tax and keep your finances in better shape. Episode Timecodes [00:00:00] – Introduction: The reality of fuel perks[00:01:22] – Understanding how fuel benefit works[00:03:06] – How HMRC calculates the charge[00:05:15] – Why the fuel benefit rarely pays off[00:07:10] – Smarter tax-efficient alternatives[00:08:55] – Final thoughts and best practices Host & Show Info Host Name: Mahmood Reza About the Host: We're accountants, educators, and financial coaches on a mission to make business and tax easier to understand. For over 30 years, I Hate Numbers has helped businesses plan smarter, save tax, and achieve long-term success. Podcast Website:

Ever found a storage deal that looks perfect on paper but you cannot tell if it truly works? Many deals fail between interest and action. The key is not luck or timing but clarity, confidence, and preparation. So how do you know if a deal is worth it? In this episode of Storage Wins, Alex Pardo walks you through the complete Storage Wins Execution Framework, a step-by-step system for analyzing and acting on self-storage deals with confidence. He shares how to evaluate markets, check the numbers, calculate returns, and make offers that stand out. Through real examples and clear breakdowns, Alex helps you move from hesitation to action and understand what truly makes a deal profitable. You'll Learn How To: Analyze a deal quickly with accuracy Evaluate markets and identify warning signs Calculate net operating income, cap rates, and returns Build credibility with brokers and sellers Move from analysis to confident action What You'll Learn in This Episode: [00:00] Why good deals die between interest and action [01:00] The complete Storage Wins execution framework [03:00] Breaking fear and analysis paralysis in decision-making [05:00] How preparation builds confidence and speed [07:00] Quick triage: judging a deal's market and location [10:00] Fast back-of-the-napkin deal analysis [13:00] Spotting red flags before making an offer [17:00] Understanding DSCR and bank financing requirements [20:00] Crafting strong LOIs that sellers say yes to [25:00] Winning through clarity, confidence, and consistent action Who This Episode Is For: New investors who want to verify good deals Action takers ready to stop overanalyzing Storage buyers who want a reliable evaluation system Why You Should Listen Speed creates results, but clarity builds confidence. Alex reveals how preparation turns confusion into certainty so you can evaluate and close deals with assurance. The best investors do not hope a deal works—they know it does. 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/  

Profit Growth Cycles: Navigating the Financial Growing Pains of a Cash Practice In this episode, Doc Danny Matta breaks down the financial growing pains every clinic owner faces when scaling from a small subleased space to a full standalone practice. He explains how to manage cash flow, survive low-profit growth cycles, and make smart reinvestments that turn short-term sacrifice into long-term stability. Quick Ask If this episode helps you think differently about your business finances, share it with a fellow PT who's growing their practice—and tag @dannymattaPT so he can reshare! Let's help more clinicians build profitable, sustainable businesses. Episode Summary Profit growth cycles explained: Every clinic hits a point where growth requires reinvestment—usually when moving from a sublease to your own space. Why cash flow matters: Managing money across three core accounts (Operating, Tax, and Profit) keeps your business stable during transitions. Expect profitability dips: Early growth means more expenses—staff, rent, equipment—so it's normal for profit margins to temporarily shrink. Your business is your best investment: Reinvest in your people, your space, and your systems before chasing outside investments. Live lean and ride it out: Reduce personal spending, protect cash, and build reserves to get through your growth phase faster. Lessons & Takeaways Plan for the punch: Growth hurts less when you know it's coming—prepare your finances like you would prepare for a hit. Separate your money: Use simple account systems to stay disciplined and avoid overspending during expansion. Keep your eyes on the next hire: Profitability improves dramatically after you add your second and third full-time providers. Stay lean, not lavish: Skip the vacations and upgrades during your build-out—this season requires focus and restraint. Don't panic when profits dip: It's a temporary phase, not a failure. Every healthy business goes through it. Mindset & Motivation Short-term pain for long-term success: Scaling up means taking a step back before you can leap forward. Be the investor: Treat your clinic like your best-performing stock—reinvest in what's working and let compounding do the rest. Know your game: Not everyone needs to build a seven-figure empire. Define success, grow strategically, and enjoy the process. Pro Tips for Clinic Owners Track your accounts weekly: Review your Operating, Tax, and Profit accounts to maintain awareness and control. Build 3–6 months of reserves: Cash on hand allows for smarter decisions and less emotional reaction during slow periods. Focus on utilization: Aim to fill two to three full-time providers quickly to stabilize profitability post-growth. Keep learning business fundamentals: Clinical skill alone won't scale a company—you must master marketing, hiring, and leadership. Notable Quotes "Your business is your best investment—stop treating it like a side hustle." "When growth hits, your profit account might hit zero—and that's normal." "Being a great clinician is not enough. You need to be a great business owner, too." Action Items Set up or review your three core accounts: Operating, Tax, and Profit. Map out your next growth cycle and identify upcoming expenses before they hit. Audit your monthly personal spending and cut what's unnecessary for 6–12 months. Calculate how many full-time providers your space can sustain and plan to reach that headcount. Programs Mentioned PT Biz Mastermind: A program designed to help clinic owners scale efficiently, manage finances, and lead high-performing teams. PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Learn how to replace your income and go full-time in your practice. Join here. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge About the Host: Doc Danny Matta — physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash-based practices across the U.S.

Thanks for listening!I appreciate you taking the time to listen and subscribe to The Daily Sales Message. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠James⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠====Got a specific Selling issue?Check out my actionable, affordable ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Practical Sales Training™⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  courses.Find it hard to communicate your offering?You might benefit from a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Clear Sales Message™   ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This time of year is critical. As sales leaders map out their budgets for the new year, the conversation always centers on a core conflict: How to cut expenses and, simultaneously, motivate teams to hit larger quotas. What's the first line item to feel the squeeze? Training and development. It is often incorrectly labeled a 'want' and not a 'need.' We hear leaders say, "It can wait until next quarter," or, "Once we stabilize revenue, we'll invest in the team."  This short-sighted thinking doesn't save money. Instead, it's costing organizations a significant, quantifiable amount of revenue and talent. When professional development is treated like a luxury, we undermine the foundational ability of our teams to perform consistently at a high level. Training is the Foundational Requirement for Peak Performance Sales leaders should consider peak performance in any high-stakes environment. In the military, or in elite professional sports, ongoing training is not a choice—it is a non-negotiable, daily priority.  So why is it that, in Sales, we view continuous development as optional or too expensive? The simple truth is that lack of training is the most expensive mistake you can make. Think about the rate of technological change. Most of us have upgraded our cell phones in the last three to five years because the old ones simply couldn't keep up.  The same principle applies to your sales team's skill set. If your representatives are still relying on techniques learned 5, 10, or 15 years ago, then they are operating at a competitive disadvantage. They will be outmaneuvered and outperformed by competitors who are strategically investing in modern sales frameworks every time. Henry Ford's famous quote still holds true: "The only thing worse than training employees and losing them is to not train them and keep them." If you believe training is expensive, you must take a moment to calculate the monumental loss of reps consistently missing their quotas. The True Cost of Inconsistency and Turnover Look at the numbers. Assume three of your representatives are consistently missing quota by just 20%. That deficit is lost revenue—but it also represents wasted leads, missed opportunities, and the corrosive ripple effect of deals that never even make it into your pipeline. The amount of potential revenue lost due to underperformance is often far greater than the entire annual budget you would allocate to comprehensive sales training. Action Plan for Sales Leaders & Managers To reverse this loss, you must treat coaching as a continuous operational requirement, not a perk. Calculate the 'Cost of Inaction' to Justify Budget: Reframe thinking of training as an expense and start focusing on the cost of the status quo. Calculate the annualized revenue loss from your bottom 20% of underperforming reps (e.g., missed quota * average deal size). Use that concrete number to justify and secure a budget for development, proving that not training is your biggest liability. Implement a Continuous Coaching Framework: Don't rely on annual training events. Transform your managers into daily coaches by mandating 30 minutes of structured, one-on-one coaching per week focused on skill development. This reinforcement is what locks in new behaviors and prevents the initial energy gained in training from fading. The Hidden Expense of Disengagement Talent turnover is another critical cost of lack of training that is often overlooked. A representative who feels unsupported, or who consistently misses quota because they don't have the necessary tools and coaching, is highly likely to seek opportunities elsewhere.  The cost of recruiting, onboarding, and ramping a replacement—which includes the loss of established customer relationships and the disruption to team morale—significantly outweighs the expense of proactive investment. How to Take a Struggling Rep From Liability to Asset

Real estate investors lose thousands every year because they misunderstand DSCR and fix-and-flip financing.In this episode, Ryan DeMent reveals how to:Calculate your DSCR ratio correctlyAvoid appraisals and draw schedule disastersVet your general contractors the right wayUse performance bonds to protect your projectsIf you're tired of surprises at closing or struggling to stay profitable, this episode gives you the tools to make smarter deals and keep more cash in your pocket.

On this 300th episode of Take Flight Weekly, I want to teach you one of the simplest, most effective habits for running your business like a professional: the weekly planning session. If you've ever wondered how elite-level entrepreneurs and advisors stay focused, consistent, and calm in the middle of chaos, it's not luck—it comes down to elite-level planning and staying in a rhythm of consistency. Their weeks are built by design. The weekly planning session is your reset button, your opportunity to move from week to week proactively. It sets up each week to ensure that what you're doing each day aligns with your quarterly goals, annual goals, and your 3 Year Vision. Done right, it's the single most important 60 to 90 minutes of your week. When you run a high-performance business, you can't wing it. No one is that good. A weekly planning session ensures you're grounded, focused, and prepared—moving seamlessly from week to week. Without it, you drift into reactive mode, chasing what's urgent instead of what's important. With it, you gain control of your calendar, energy, and your outcomes. Best Practices for a Weekly Planning Session: → Create a recurring calendar invite. Choose the same time every week. Allow 60–90 minutes. Protect this block like a client meeting. → Review all correspondence from the previous week. Ask yourself: Did I miss an opportunity? → Review your previous week's calendar. Identify what worked, what didn't, and what needs follow-up. → Review your upcoming week. What events or meetings need preparation? → Review your CRM. Identify your "Next 10"—the retention and conversion process. → Identify one project that aligns with your quarterly goal. → Review your 3 Year Vision. See it. Feel it. Experience it in advance. When you treat your weekly planning session as a non-negotiable, you'll find yourself more grounded, better prepared, with way fewer missed opportunities. You'll walk into Monday playing on offense without the anxiety of not being prepared. Calculate the monetary value of the missed opportunities with your clients just in the last year. What's that number? $1M, $5M, $15M in production? What did you leave on the table? Get out your calendar right now and schedule a recurring appointment with yourself for 60-90 minutes each week. ━━━━━━━━━━━━━━━━━━━━━━

Before you dive in—make sure your team isn't missing a critical first step in protecting your revenue. Check out our free guide on Eligibility & Billing Verification (https://natrevmd.com/eligibility-billing-verification/) to prevent costly claim denials before they happen.Ever wonder how many patients your practice really needs to see each day to be profitable? In this episode, Dr. Heather Signorelli breaks down the profitability math every private practice owner should know — from understanding overhead and compensation structures to knowing exactly how much profit each patient brings in.You'll learn how to:✅ Calculate your break-even and profit-per-patient✅ Build compensation models that motivate and make sense ✅ Set realistic growth targets using real financial data ✅ Avoid the trap of being “busy” but not profitableIf you've ever felt like you're guessing when it comes to your numbers — this episode will give you clarity, confidence, and a roadmap to sustainable growth.

Sam! returns to the clubhouse to help your nice hosts decide that Lakitu is no longer a savoir that comes down from the clouds, but since he has a job as a referee, should therefore be wearing a little ref shirt.Sam Baeseman is a member of the IDGATC board, the Nice Games Alliance board, and founding member of JAMA Jam.Nice Games AllianceIDGATCJAMA JamSam! joined us last week to talk about:Creative Peer CommunitiesBlippo+ (Mark's game) released, and you can buy it:Blippo+ on SteamBlippo+ on SwitchBlippo+ on itch.ioLydia:Why Learning Is So Hard for Adults (And How Games Can Help) - ELB Learning, YouTubeBefore becoming a host, Lydia joined the clubhouse as a guest to talk about:Digital Escape RoomsStephen is:not going to talk about his fishing gamedoing a game jam, Ludem Dare0:15:30HealthCalculate your pet's HPPolygonYouTubeYour nice hosts talked about these health systems:Subnautica - oxygen/food/waterDave the Diver - oxygenPEAK - staminaGauntlet - timeSuper Smash Bros. - percentagesStar Trek Adventures (TTRPG) - stressDoom (1993) - health packsDoom (2016) - enemy damageSuper Mario Bros. - mushrooms (2D) / coins (3D)Bloodborne - dignitySonic the Hedgehog - ringsCall of Duty - regenerating healthBlades in the Dark - "harm"42:31Developing for Speed RunnersWe talked about normal players vs. speedrunners in:Ladder Game

A NASA supercomputer has determined when our planet becomes a lifeless wasteland, and the specificity is somehow more disturbing than the news itself.READ or SHARE: https://weirddarkness.com/earth-death-dateSupport our Halloween “Overcoming the Darkness” campaign to help people with depression: https://weirddarkness.com/HOPEWeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.#WeirdDarkness #NASAPrediction #EndOfEarth #DoomsdayScience #SolarApocalypse #EarthExpiration #SpaceHumor #CosmicHorror #ScienceComedy #PlanetaryExtinction

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.

It's the season of gift giving, evaluating team performance, and bonuses, and for many business owners, that can bring up hard questions. Can I afford to give out bonuses this year? What if it's not as much as last year? How much is fair? And how do I reward my team without draining my cash or putting my business at risk? In this episode, reformed corporate CFO and founder of Kickstart Accounting, Inc.'s Danielle Hayden walks you through a simple, repeatable framework to help you decide if, when, and how much to give your team in bonuses that's fair, financially sound, and aligned with your business's core values.  Key Takeaways:  Profitability Comes First: Only give bonuses when your business is profitable. A healthy, sustainable company is the best gift you can give your team. Protect Your Cash Flow: Separate accounts for operations, taxes, and savings (including bonuses) will help you plan ahead and avoid surprise shortfalls. Use Data, Not Emotion: Base your decisions on your financial reports and goals, not guilt, pressure, or last year's habits. Reward Performance with Purpose: Tie bonuses to performance and your company's core values, using consistent criteria your team understands. Timing Matters for Taxes: Be consistent year over year, and confirm with your accountant when it makes the most sense to issue bonuses based on your filing method. Topics Discussed: (00:00) Intro: What You'll Learn in the Episode (01:46) Step 1: Pool Your Business's Profitability – Is Your Business Profitable Enough for Bonuses (03:38) Step 2: Check Cash Reserves – Why Cash Savings and Planning Ahead Are Essential Before Paying Bonuses (06:39) Step 3: Set Your Bonus Pool – How to Calculate a Realistic Bonus Pool  (08:18) Step 4 & 5: Define Eligibility + Allocate Bonuses – How to Fairly Decide Who Qualifies and How Much to Award (11:03) Step 6: Decide on Timing – When to Pay Bonuses for the Best Tax Results and Long-Term Consistency (13:20) Outro: Kickstart's Team Bonus Worksheet and Resources + Like, Share and Subscribe!   Resources: KSA Tax Partners | https://ksataxpartners.com/   Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

It's the season of gift giving, evaluating team performance, and bonuses, and for many business owners, that can bring up hard questions. Can I afford to give out bonuses this year? What if it's not as much as last year? How much is fair? And how do I reward my team without draining my cash or putting my business at risk? In this episode, reformed corporate CFO and founder of Kickstart Accounting, Inc.'s Danielle Hayden walks you through a simple, repeatable framework to help you decide if, when, and how much to give your team in bonuses that's fair, financially sound, and aligned with your business's core values.  Key Takeaways:  Profitability Comes First: Only give bonuses when your business is profitable. A healthy, sustainable company is the best gift you can give your team. Protect Your Cash Flow: Separate accounts for operations, taxes, and savings (including bonuses) will help you plan ahead and avoid surprise shortfalls. Use Data, Not Emotion: Base your decisions on your financial reports and goals, not guilt, pressure, or last year's habits. Reward Performance with Purpose: Tie bonuses to performance and your company's core values, using consistent criteria your team understands. Timing Matters for Taxes: Be consistent year over year, and confirm with your accountant when it makes the most sense to issue bonuses based on your filing method. Topics Discussed: (00:00) Intro: What You'll Learn in the Episode (01:46) Step 1: Pool Your Business's Profitability – Is Your Business Profitable Enough for Bonuses (03:38) Step 2: Check Cash Reserves – Why Cash Savings and Planning Ahead Are Essential Before Paying Bonuses (06:39) Step 3: Set Your Bonus Pool – How to Calculate a Realistic Bonus Pool  (08:18) Step 4 & 5: Define Eligibility + Allocate Bonuses – How to Fairly Decide Who Qualifies and How Much to Award (11:03) Step 6: Decide on Timing – When to Pay Bonuses for the Best Tax Results and Long-Term Consistency (13:20) Outro: Kickstart's Team Bonus Worksheet and Resources + Like, Share and Subscribe!   Resources: KSA Tax Partners | https://ksataxpartners.com/   Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Your Menu Board Is Costing You $100,000+ Per Year (Here's How to Fix It)Most car wash customers choose the cheapest wash package... not because your premium wash isn't worth it, but because your menu board is confusing them into it.In this episode of The Car Wash Growth Playbook, Josh Taylor (CMO at OptSpot) reveals the shocking results of a menu board experiment that changed everything we thought we knew about upselling at the car wash.What You'll Learn:✅ The 5-Minute Menu Test that reveals if you're confusing customers✅ The 3-word descriptions that sell top wash packages (70% conversion rate)✅ Why "good, better, best" beats creative package names every time✅ The exact framework that drives customers to premium washes✅ How to calculate your menu board's lost revenue (hint: it's probably $9,000+/month)The Simple Math That Changes Everything:300 cars per dayJust 20% upgrade from basic to premium$5 more per upgrade= $100,000+ annually from ONE simple changeAction Items From This Episode:✅ Take a photo of your current menu board✅ Test it with 5 people who don't work at your wash✅ Create a simplified version (template included)✅ Calculate your potential revenue impact✅ Implement and watch your revenue soarKey Takeaway: "If you confuse, you lose. And every confused customer is choosing your cheapest option."Stop letting technical jargon and creative package names cost you thousands every month. Your customers WANT your best wash—they just don't understand why they should buy it.

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!

Send us a textWhat if one clean calculation could tell you exactly where to spend, what to price, and how to grow without burning cash? We walk through a fast, no-fluff method to calculate lifetime value (LTV) that replaces guesswork with clarity—and turns scattered marketing into a reliable growth system.We start by nailing your real monthly revenue per member across all packages, not just the headline price. Then we layer in average membership lifespan, showing why channel and offer matter: a Facebook challenge member who stays two months isn't worth the same as an intent-driven Google member who sticks for ten. Multiply to get gross LTV, and you'll see immediately which campaigns deserve budget and which ones quietly drain profit.From there, we tighten the model with profit-adjusted LTV by subtracting the actual costs to serve—coaching labor, processing, and other variable expenses—so you can set smart CAC targets and know your break-even window with confidence. We share a client example where LTV rose from $500 to $1,500 once the numbers were measured correctly, unlocking bolder, smarter acquisition and more sustainable scale. And we highlight why retention is the real multiplier: one extra month can add meaningful profit without a single extra ad dollar. Expect practical guidance on segmenting LTV by channel, deciding when to reallocate spend, and building simple retention systems that keep members engaged longer.Ready to make your marketing dollars work harder? Listen now, download our free LTV/CAC calculator from the description, and tell us which channel brings your stickiest members. If this helped, subscribe, leave a review, and share it with a studio owner who could use clearer numbers and calmer growth.Support the showSubscribe to our Newsletter: https://creatitive.com/fit-to-grit-cast/

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.

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

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/  

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.

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

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