Podcasts about CPA

Only roughly 50% of new GLP-1 prescriptions were getting approved for coverage in 2023. From a plan sponsor's seat, that looks like pharmacy trend spiking 9%, 12%, even 20% year over year. From a pharma manufacturer's seat, it's half their prescriptions not getting filled. Same market, opposite problems — and that's exactly the lens this episode flips on. In this episode, Stacey Richter speaks with Ophelia Johnson, who built new business channels for a pharmaceutical manufacturer that created the GLP-1 boom and has since launched a consulting practice at e-fi.works, about how cash pay models work from the inside — coupon platforms, telehealth channels, white label pharmacy models, and employer carve-outs — and where the new fees are hiding. WHAT YOU'LL LEARN ✅ How the Inflation Reduction Act, PBM legal scrutiny, drug shortages, and the compounding bypass converged with ~50% GLP-1 prior auth denial rates in 2023 to push pharma into building cash pay channels that cut the PBM out entirely ✅ How the savings coupon model works: manufacturer buys the patient down to a flat transparent cash price via platforms like GoodRx, pays a fixed per-script fee instead of a PBM rebate, and the coupon platform makes the pharmacy whole — transparent math, no black box ✅ How the telehealth channel and white label pharmacy models extend the distribution chain beyond retail — and why shipping costs, credit card fees, dispensing fees, and new supply chain partners create gross-to-net and revenue leakage risk for manufacturers not built for it ✅ Why "direct to employer" is a misnomer: PBM contracts prohibit pharma from selling directly to self-insured employers, so third-party transparent administrators have emerged — but plan sponsors need to run the math first, given ERISA complications and PBM contract leverage ✅ How PBMs are now charging fees for hub-like patient support services to manage the exact prior auth complexity they created — a Whack-a-Mole shift of profitability that everyone needs to map before signing anything ✅ Ophelia's three-part practical advice: map the full patient journey and all ecosystem player incentives before building any new model (pharma); treat affordability as a clinical risk factor (clinicians); demand auditable medication abandonment data rather than settling for rebate yield metrics (plan sponsors) WHY THIS MATTERS If collaboration is the next innovation, everyone has to understand the incentives of every player in the ecosystem — not just their own. The same 50% of unfilled GLP-1 prescriptions that looks like runaway pharmacy trend from a plan sponsor's seat looks, from a manufacturer's seat, like half their market going dark — and both sides are making moves that affect each other. Understanding those moves, where fees are being layered on, and when fair profit tips into what Stacey calls profiteering is what this episode maps. TUNE IN NEXT WEEK Next week is the 401-level companion to this one — Stacey goes solo on the PBM and GPO contracting mechanics behind why cash pay became a thing, and why cheaper or better drugs can inexplicably end up off formulary or buried under prior auth. === LINKS ===

Physicians earning $400K are living paycheck to paycheck—and an 18th-century psychology trap is why.  Roughly 30% of doctors over 60 don't have $1M in net worth, even counting their home. Justin Harvey and Dr. Jimmy Turner unpack the behavioral-finance forces—the Diderot Effect, lifestyle creep, and leverage—that quietly erode physician wealth, and the simple framework that lets you spend guilt-free while still building real options.Resources: Disability Insurance: Every physician needs Disability Insurance from MMM Disability Insurance. Click here to get a Quote from Money Meets Medicine Disability Insurance Looking for a new CPA? Use the one that Dr. Jimmy Turner personally uses and recommends (Gelt). Click here to get a 10% discount code on services when working with Gelt. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stop treating your retirement like a someday problem…For business owners, the right plan can be a valuable tax strategy. But too many entrepreneurs wait too long, choose the wrong plan, or assume a 401(k) is only for big companies. In this episode, Mike sits down with Matt Ruttenberg to explain how retirement plans work for small business owners. They break down the differences between SEP IRAs, SIMPLE IRAs, solo 401(k)s, safe harbor 401(k)s, and defined benefit plans, plus the questions you should ask before choosing a plan, including your contribution goals, employee needs, cost, timing, and tax savings potential.

Most business owners think tax strategy ends in April. It doesn't. It's just getting started! In this episode, we walk through the 5 most important 64 tax planning moves to make before September, including how to run a mid-year projection, the family payroll strategy that works best in summer, the Augusta Rule timing window, equipment purchase planning under Section 179 and Bonus Depreciation, and the August Reset framework used by high-earning entrepreneurs. Next Steps:

Are your prices too low because raising them feels unnerving?Most CPAs don't have a pricing problem. They have a confidence problem. In this episode, we dig into why pricing isn't math - it's psychology - and how underpricing steals your time, energy, and freedom. You'll hear practical ways to test higher prices, simplify your services, stop saying yes to everything, and build a firm that feels lighter, calmer, and far more profitable without grinding harder.Link to video replay:https://www.crowdcast.io/c/price-with-confidence…Link to full shownotes: https://www.businessstrategyforcpas.com/394…Want the skinny on pricing?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free, and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want to hear what works, from 57+ clients?Check out the Client Success Stories podcast: LISTEN »

Schedule a free financial assessment with an experienced professional at Pure Financial Advsiors: https://purefinancial.com/lp/free-assessment/?utm_source=captivate&utm_medium=podcast&utm_campaign=free-assessment&utm_content=ymyw-pod-ep586-description-free-assessment“Walter and Skyler” in Iowa ask if they're on track to retire early, or if they're just "cooking up overconfidence?" And how aggressively should they convert their retirement savings to tax-free Roth money before the pension and Social Security kick in? California Dreamin' has it down to one decision: convert to the top of the 22 percent tax bracket, or push into the 24? “Mike and Carol” in Florida ask, when you're weighing a conversion, should you be looking at your tax bracket, or your actual effective tax rate? Finally, is it worth the cost for “Westley and Buttercup” to use the brand new option to turn a big employer contribution into Roth money? Joe Anderson, CFP® and Big Al Clopine, CPA from Pure Financial Advisors spitball on all of these questions, today on YMYW podcast 586.Free Financial Resources in This Episode: https://bit.ly/ymyw-586 (full show notes & episode transcript)10 Common Roth IRA Mistakes That Can Cost You $50,000 (or More!) - YMYW TV:https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-guide-to-roth-iras&utm_content=ymyw-pod-ep586-description-whitepaperThe Ultimate Guide to Roth IRAs - free download:https://purefinancial.com/ymyw/episodes/10-common-roth-ira-mistakes-that-can-cost-you-50000-or-more/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep586-description-tv-s12e04Financial Blueprint (self-guided):https://bit.ly/PureFinancialBlueprintREQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:10 - Early Retirement Overconfidence? Aggressive Roth Conversions? (Walter & Skyler, Iowa)13:25 - Roth Conversion Bracket Call: 22% or 24%? (CA Dreamin', Central Coast)22:27 - Tax Bracket vs. Effective Rate: The Roth Math Most People Get Wrong (Mike & Carol, FL)32:16 - Should the NEC Go to the Roth? The 401(k) Decision (Westley & Buttercup, TX)42:28 - Outro: Next Week on the YMYW Podcast

Reach Out Via Text!In this episode of the Growing Green Podcast, Jeremiah sits down with Nick Bartolo, founder of Essential Partners Family Office and former Wall Street analyst, to unpack what business owners need to know about building real wealth. Nick shares his journey from analyzing billion-dollar positions in companies like Amazon and Starbucks to helping entrepreneurs prepare for life-changing business exits.Together, they discuss why most small business owners should stop chasing passive income too early and instead double down on growing the value of their primary business. They break down what actually makes a company valuable, including growth, durability of cash flow, and risk, and explain why building a sellable business matters even if you never plan to sell.Nick also shares practical advice on choosing the right CPA, reducing unnecessary tax burdens, and taking foundational wealth-building steps like Roth IRAs. If you're a business owner trying to scale, create long-term wealth, and avoid costly financial mistakes, this episode is packed with insight.Support the show10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcastSignup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signupBook A Consult Call-https://stan.store/GrowingGreenPodcastLawntrepreneur Academy-https://www.lawntrepreneuracademy.com/The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/Instagram- https://www.instagram.com/growinggreenlandscapes/Email-ggreenlandscapes@gmail.comGrowing Green Website- https://www.growinggreenlandscapes.com/

Most entrepreneurs don't realize how much money they're losing through poor tax strategy. The problem isn't always revenue. It's what happens after the money comes in. In this episode, Rachel sits down with Peter Holtz, founder of one of the fastest-growing accounting firms in the country. With experience spanning Big 4 accounting, CFO leadership, and building a $10M-plus firm from the ground up, Peter shares why traditional accounting models are failing entrepreneurs and what founders should be doing instead. Peter explains how proactive tax planning, financial organization, and smarter business structures can dramatically improve profitability and help business owners build real long-term wealth. He also breaks down how entrepreneurs can legally reduce their tax burden, improve financial clarity, and turn accounting into one of the highest ROI investments in their business. Why Reactive Accounting Is Costing Founders Thousands Peter explains that most accountants operate as "box fillers," focused only on filing returns instead of helping business owners strategically reduce taxes year-round. He shares why accuracy, organization, and the right business structure are foundational to keeping more of what you earn. From separating business and personal expenses to optimizing entity structure, small changes can create a massive financial impact. Peter also dives into overlooked strategies many entrepreneurs miss, including the Augusta Rule, paying children through the business, vehicle deductions, and structuring travel expenses correctly. Building Wealth Through Financial Clarity Beyond taxes, this conversation explores the deeper connection between financial awareness and leadership. Peter reflects on building his firm from a small operation into an Inc. 5000 company by embracing cloud accounting, systems, and long-term thinking early. He also shares why he believes entrepreneurs are modern-day pioneers and why supporting business owners is central to his mission. Rachel and Peter also discuss personal branding, scaling a service-based business, and the evolution of authority in today's digital landscape. Enjoy this episode with Peter Holtz… Soundbytes 17:53–18:14 "The Augusta Rule lets you rent out your house at fair market value. You have to determine fair market value. You've got to create a lease between yourself and your business, and there's a lot of details you have to live with. But it could easily be anywhere from $10,000 to $50,000 in tax-free income, depending on how you use it." 20:39–21:04 "I've said, you know, you should pay your kids, and I've heard, 'Well, we talked to our tax preparer, and they said it's a red flag.' It's not. I've been around for 40 years. I've been through audits. I've helped people that have come to me to get help with audits. The tax law is very clear that any child above age 7 can be paid a reasonable wage to help you in your business." Quotes "Most entrepreneurs are overpaying in taxes because no one ever showed them a better strategy." "A CPA should not be a cost center. They should be one of the highest ROI partners in your business." "When you don't commingle business and personal expenses, you're already telling the IRS you're organized." "The ultimate resource you can never get more of is time." "There's not a business problem that I can't solve anymore because after a while, you understand how businesses really work." Links mentioned in this episode: From Our Guest Website: https://www.peterholtzcpa.com/ Free Resource and Consultation: https://go.peterholtzcpa.com/rachel Connect with Peter Holtz on LinkedIn https://linkedin.com/company/peterholtzcpa Follow Peter Holtz on Instagram: https://www.instagram.com/peterholtzcpa Connect with brandiD Find out how top leaders are increasing their authority, impact, and income online. Listen to our private podcast, The Professional Presence Podcast: https://thebrandid.com/professional-presence-podcast Ready to elevate your digital presence with a powerful brand or website? Contact us here: https://thebrandid.com/contact-form/

The future of agency growth is not just more automation. It is also a more human connection.In this episode, Jay Owen, CEO of Business Builders, joins Jamie Nau to talk about agency community, event strategy, thought leadership, organic growth, and the practical ways AI is changing how agency owners work. Jay shares the story behind Agency Builders Retreat, why in-person connection matters more in an AI-driven world, how he thinks about building events that people want to return to, and why consistent thought leadership can create opportunities long before a direct sales conversation begins.Key takeaways:• The future is both autonomous and human. AI can create leverage, but agency owners still need trust, relationships, and real connection.• Community can become a growth engine. Jay explains how Agency Builders grew through connection, referrals, and shared learning.• Events are a form of stage-building. Creating your own event, podcast, or platform can help agency owners build authority.• Thought leadership compounds over time. Consistent content around a real problem can create opportunities that direct outreach may not.• AI works best when it removes real friction. Jay shares how connected tools can support follow-up, email, research, and daily operations.If you are trying to grow an agency in a way that is profitable, sustainable, and ready for the future of AI, tune in to the full episode of ▶️The Future of Agency Growth Is Human and AI-Driven with Jay Owen.Find more podcast episodes on our website: anderscpa.com/learn/podcasts/Episode resources:●       Anders Virtual CFO website: anderscpa.com  ●       Love our content? Sign up for our newsletter:  https://anderscpa.com/learn/    ●       Check out the Virtual CFO Playbook Course:  https://anderscpa.com/virtual-cfo-services/vcfo-playbook/     Quotes- Jay Owen: "The future is two things at the same time, highly autonomous and AI driven, for sure, and deeply human."- Jay Owen: "The best way to grow a business is to do a great job for somebody, ask them to tell somebody else, and you will never run out of business."- Jamie Nau: "Sometimes it is a long tail, which is a hard thing for marketers to get their hands around sometimes."Jay Owen is the CEO of Business Builders. He helps businesses and organizations with clear messaging, website and video production, and online promotion. With more than 25 years of experience in web design, marketing communications, and creative direction, Jay also shares ideas with business leaders through events, podcasts, coaching, webinars, and workshops.Website: https://jayowenlive.com/aboutIG: https://www.instagram.com/jayowenFB: https://www.facebook.com/jayowenlive/X: https://x.com/owendesignLi: https://www.linkedin.com/in/jayowen/YT: https://www.youtube.com/@jayowenlivePodcast: https://buildingabusinessthatlasts.com/about/Business BuildersWebsite: https://businessbldrs.com/YT: https://www.youtube.com/channel/UC3SN1I1FwktpF_lMqaZveIgIG: https://www.instagram.com/businessbldrs/Li: https://www.linkedin.com/company/businessbldrs/FB: https://www.facebook.com/businessbldrsThe Creative Agency Success Show helps service-based business owners master the financial side of growth. Hosted by Jamie Nau, Director of Virtual CFO Services/ Virtual CFO, and Jody Grunden, Partner and Virtual CFO Practice Leader at Anders, the podcast dives into essential financial strategies for scaling creative agencies.  Website: https://www.buzzsprout.com/2458889    FB: https://www.facebook.com/vcfobyanders    LI: https://www.linkedin.com/company/vcfobyanders/   IG: https://www.instagram.com/vcfobyanders    YT: https://www.youtube.com/@vcfobyanders     Jamie Nau, CPA, Director of Virtual CFO Services/ Virtual CFO, is a seasoned financial expert with a deep understanding of business growth stages.  Jamie has worked extensively with middle-market and large companies, providing key financial insights.  Website: https://anderscpa.com/     FB: https://www.facebook.com/vcfobyanders  LI: https://www.linkedin.com/in/jamienau/  https://www.linkedin.com/company/vcfobyanders/  IG: https://www.instagram.com/vcfobyanders/  YT: https://www.youtube.com/@vcfobyanders  

Bo Jacob is a CPA, investor, and entrepreneur with 20+ years in real estate and business, teaching proven wealth strategies to help others achieve financial freedom and live with purpose. Top 3 Value Bombs 1. Most people feel stuck not because they lack effort, but because they rely on a single income stream with limited upside. 2. Passive income is real, but it requires significant upfront work to build assets that eventually earn without your time. 3. You don't need a perfect idea; just start with a small move that fits your current life and builds momentum over time. Grab a copy of the book on Amazon - Unstuck Economics: How Ordinary People Turn Smart Hustles into Real Wealth Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Shopify - Shopify is the commerce platform behind millions of businesses around the world. Sign up for your 1 dollar-per-month trial today at Shopify.com/onfire. Revenued - Built for small business owners who need fast, flexible access to working capital, without relying on your personal credit score. Apply now at Revenued.com/fire.

Are you making more money than ever but still feeling stressed about your finances? In this episode, I sit down with Kelly Ward, Certified Public Accountant, Certified Tax Coach, and owner of Robinson & Ward, to talk about the habits that help you reduce financial stress, make smarter money decisions, and build long-term wealth. We dive into why so many entrepreneurs avoid looking at their numbers, how to stop making financial decisions from stress and fear, and the systems that can help you create more clarity, confidence, and control over your money. Get ready to create a plan for your money and build lasting financial freedom. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Indeed - Spend less time searching, and more time actually interviewing candidates who check all your boxes. Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Fora Travel - Curious how to become a travel advisor and earn while you explore? Start at http://foratravel.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. HIGHLIGHTS 00:00 Meet Kelly Ward, CPA, Certified Tax Coach, and owner of Robinson & Ward. 08:45 How new experiences help you think bigger and grow faster. 10:00 What are the business benefits of stepping outside your environment? 17:00 The first step to taking back control of your finances. 20:00 How to create a plan for your money. 22:15 What's the difference between earning money and building wealth? 25:30 Questions every small business owner should ask their accountant. 28:00 How to find advisors who can help you grow and protect your wealth. 32:00 How to tell if your marketing investments are paying off. 34:15 Why do so many entrepreneurs struggle to keep the money they earn? 39:00 The financial planning lesson most people learn too late. 43:00 The resource Kelly is creating to help entrepreneurs navigate business finances. 47:00 Why community and mentorship can accelerate your business growth. 49:15 Kelly's mission to help entrepreneurs build generational wealth. RESOURCES Follow Kelly on Instagram and Facebook at @kellywardcpa and DM “HAPPY” for a list of tax strategies you may be missing out on!  Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Kelly: @kellywardcpa

This episode explains why business owners don't have to accept high taxes as inevitable. You'll learn a three-part framework for reducing taxes, building wealth, and using strategic tax planning tools— including a short-term rental strategy that may create significant tax savings opportunities. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Every year the same hesitations come up when I talk to coaches about conferences:I won't know anyone. It's too expensive. I'm not far enough along. I don't have time. I can probably learn all of it online anyway.This week I'm replaying my conversation with Philip Taylor, CPA, entrepreneur, and founder of FinCon, with a fresh intro and outro for FinCon 2026. Philip has watched thousands of financial professionals walk through those exact hesitations, and we work through all five of them together.What we land on is something I come back to every year: the fears that keep you home are usually pointing straight at the growth you're looking for. Philip walks through how he got past each one, from joining the online community before he arrived, to going in with a clear mission so the cost made sense, to finding the other people in the room who felt just as new as he did.I also share why I still attend conferences after nearly two decades of building a financial coaching practice, and why FinCon is the one I keep coming back to.FinCon 2026 is September 16 through 18 in Palm Springs, CA. Registration is open at finconexpo.com. Use code KELSA50 for $50 off. If you caught last week's episode on how to prepare for a conference, this one pairs with it.

Rick Chess, attorney, real estate strategist, capital-raising expert, and trusted advisor, is passionate about helping entrepreneurs, investors, and business owners navigate complex decisions that can dramatically impact enterprise value and long-term success. Throughout a career spanning more than five decades, Rick has raised over $100 million for multiple organizations, guided companies through acquisitions, governance challenges, and strategic growth, and helped owners prepare for successful exits. We explore The Capital Raising Framework — Focus on Individuals, Not “the Market”; Be Ready to Sell; Start With Who You Know; Connect on Emotion; and Find a Problem to Solve. Rick explains why raising capital is ultimately about understanding people, not pitching ideas, why investors care more about their needs than your opportunity, and how trust-based relationships create opportunities that compound over time. He also shares lessons from raising capital, building influential networks, serving on boards, and helping entrepreneurs avoid costly mistakes when pursuing funding, growth, and exit strategies. — How to be a Trusted Advisor with Rick Chess  Good day, dear listeners. Steve Preda here with the Management Blueprint Podcast. And my guest today is Rick Chess, who is a real estate and exit strategist. He helps business and real estate owners, and the trusted advisors who guide them, turn complex decisions into strategic moves that grow enterprise value and maximize sale outcomes. Rick, welcome to the show.  Thank you. Appreciate it, Steve.  Well, it’s great to have you. And I’m going to ask you my favorite question, which I always ask: What is your personal ‘Why’, and what are you doing to manifest it in your practice?  When you go back in my career, 50-some years, where I’ve been most happy is either growing an organization. That can be a community, that can be a business, it can be an association. And then, at some point, individuals in that association want to move on, whether that’s to retire, to go someplace else, or whatever. And I find that in that world, there are certain things where they might have a Steve Preda who helps them with how to manage day to day. But they get to certain big issues that they’ve never done before, and maybe they’ll never do again. That’s where I like to come in because I know I’m critically important to them. So you’re a trusted advisor. You like to grapple with the big challenges people have in their lives, whether it’s a big real estate transaction, getting ready for an exit, an acquisition, or something like that.  Yeah.  Yeah.  So, I mean, the things that would be—for instance, most folks, if they’re talking about real estate, they have some idea how to fix a toilet. They have some idea how to buy a property. But when they get to a certain point, it’s like, “We need to raise $10,000. We need to raise $100 million,” whatever the amount is, because there’s either a great opportunity or they want to keep moving upward. And they have, again, a Steve Preda who can help them through the process. How they get that capital often is what trips people up. So that’s where I kind of first got into this.  I was an acquisition guy. I knew how to spend other people’s money, but I didn’t know at that time how to raise the money. And I’ve done it several times. I’ve raised $100 million for three different companies. And like everything in life, like with Summit, there is a process that you go through. And I love doing it. I just love doing that kind of stuff.  Okay. So when you are doing capital raising, fundraising, M&A deals, or real estate transactions, is there a framework that has helped you, that you figured out along the way? And think about something that is three to five steps. Maybe it’s a mental model of how you look at things, or maybe it’s a process. How would you describe that framework that you have, or that has helped you, so that the listeners would also benefit from it?  The listeners are best served if they step back from their preconceived notions of, A, how they think capital is attracted, because they usually are wrong. And they step back from how wonderful they are. And those two things are difficult. Because the reality is, no one is waiting to give you money. That’s foolish. You’ve got to sell the concept like you have to sell everything else. And what you sell is not what you think is wonderful. It’s what the market is going to think is wonderful. It’s like with any other product you’re making. “Hey, I made this great widget.” And the population looks at it and says, “I don’t need it. I don’t want it. I don’t know what it does.”  And depending on whether you’re trying to raise $100,000 from friends and family or $100 million on Wall Street, you look at who it is that you know. Because people that you know might at least return your phone call. So if you don’t know Bill Gates, thinking that you’re going to go to Bill Gates and get a billion dollars is, well, stup*d. But if you’re just trying to raise money from friends and family, and you have an aunt who lives three states away that you don’t see very often, and she has some money, okay, then you start with who you know. So, for instance, thinking about one of the many ways that you can raise money, there’s something called intrastate. And it is something that’s allowed by the Securities and Exchange Commission. If all of your money is raised within your own state, there are certain allowances for that.  But if you do one transaction outside the state, it all collapses. So like everything else on the business side, where there are certain rules that you can’t violate without getting into trouble, it’s the same thing when raising money. And I get so many people saying, “I’m going to list this on Wall Street, and I’m going to make…” It’s like, “No, you don’t. You better be prepared. If you’re going to list something on Wall Street, you’d better have $25 million that you can risk just to get it out there. And nine times out of ten you’re going to fail.” Not because there’s anything wrong with you.  It’s just that if you’re going to climb Mount Kilimanjaro with a pair of Keds, a T-shirt, and some shorts, you’re not prepared to climb that mountain. It’s no different when raising capital. And also think about when you were a kid. At a certain age, your parents let you cross the street to see your buddy. Then ten years later, they’ll let you get in the car and drive, but you’ve got to get home by midnight. It’s the same thing with raising money. And there aren’t a lot of folks who have done what I’ve done. So talking to your local lawyer or accountant—who may be wonderful people—but if they’ve never raised money, they’re not the people to talk to.  One of the ways people get taken advantage of on a regular basis is they’ll go to a securities attorney. The securities attorney will charge them $100,000 and write this great offering document, and no one ever gives them a penny. Because lawyers generally have no clue what’s happening in the marketplace. I own my own securities broker-dealer. I’ve also raised money for three different companies. It’s not easy. But like having read your book, Steve, if you follow certain paths, there’s at least a chance for success. Same thing here. Fascinating. So what I’m taking away in terms of a framework: Be aware that people are not out there waiting to give you money. You have to sell them. So that’s the first step. The second one is: start with who you know. Don’t start on Wall Street. Start with the people you know, where you have some trust, the people you understand, and where you have a chance to get there. And then look at some special circumstance that’s going to give you a leg up. For example—  Absolutely. Again, this is coming right out of your book on the business side. You create a widget. So what? But you create a widget that solves a problem. Ah. Then you have something. So it’s the same thing. When you get over onto the money-raising side, it’s: who do you know? Where do they live? How much money do they have? How do I approach them? But then, in the end, it’s not what’s in it for you, it’s what’s in it for them. And for them, if it’s friends and family, your mama may give you some money because she thinks you’re cute.  Your aunt might give you some money because she’s related to your mama. But at some point, you’re going to people who really have a checkbook. They have money in the checkbook. They’re not going to give this up just because you’re cute or you have a great idea. You’re either going to get them because you have something they’ve never heard of, or you have something that really feels like it could solve one of their needs. And their needs are not always what you think. Some people think, “Well, what they need is high cash flow.” What if they don’t need cash flow, but they’re really interested in a cure for cancer?  What if you think, “Well, it’s really going to go up in value”? Well, they have all the money they need. They’re not looking for that. But is this something that is going to allow their nephew to come work for you? Yeah. When you start thinking that you know what other people are thinking, that’s when you’re going to fail. When you can step back and just ask them, “Well, what’s important to you?” If you can’t have a conversation, one, you’re never going to date anybody, and you’re never going to raise any money.  And don’t be slick. You can be slick for three sentences, and at that point they’re going to reject everything you say thereafter. So don’t talk about how much money you’re going to make and all the rest of it. No. Talk about them. Talk about them. Talk about them. Your document should talk about them. Your questions should talk about them. Now, does that mean there are certain people who won’t put money into your deal? Yes, because it doesn’t fit. If you sell high-heeled shoes and a runner comes in, they’re generally not going to buy your high-heeled shoes. They’re not going to invest money in high-heeled shoes.  But if that high-heeled shoe actually is a running shoe, and you can break off the heel and then… I mean, I don’t know. You could come up with something there. And the folks that say no are sometimes your biggest advocates. What? The folks that… Yes. Because you’ve been able to get into their head, and they’ve shaken it around, and they’ve looked at it and said, “No, that’s probably not right for me. I’m not into high-heeled shoes, but I have a friend.” If you’ve done a sincere job, a thoughtful job, you’ve really asked them questions, and you’ve connected on an emotional level, they’ll open the next door. And that’s what it’s about. It’s often a lot of the same things that you teach people about how to sell their company. It’s how they sell—  Rick, this is fascinating. So how do you connect with people on an emotional level? What’s the trick there?  First thing is: why are they going to take a meeting with you? Why they take a meeting with you answers almost everything that we’ve just asked. If they’re taking a meeting with you because you’re related, okay, that’s the emotional connection. If they take a meeting with you because some friend of yours called them and said, “This is a great way to make money,” that’s another reason. If you found them in an article in the paper—yes, there are things called newspapers. They print them. There are words in them. And there’s somebody in there who has shown an interest in something you do.  Then you’re talking to them about that interest. You want to try to avoid cold calls. Really, it’s a waste of your time and a waste of their time. It’s a random thing. It’s like asking every girl who walks by in college, “Do you want to go out on a date?” Sometimes it works. You get slapped a lot, get arrested, and what have you. There’s this thing called the internet, Steve. And what shocks me is how few people—not just my age, but young pups—say, “Well, that’s for watching YouTube videos.” No.  Through the internet, you have so much information. So maybe I can’t find anything about Johnny Jones, but his kids are on there and what sports they play. Huh. Okay, so I used to do judo. I did three years of judo in high school. If somebody’s doing karate or whatever, I have an opening. I have something to talk about. Now, it’s great if what you have to talk about then connects to something else that they want. It’s a linking process of connecting various things together. It’s what I did… I told you I was a member of the General Assembly in Pennsylvania way back in the ’70s.  And I learned there that if I could get people talking about themselves, or their next-door neighbor, or some relative… What’s funny is people are much more likely to tell you about somebody else. So when I go into a company—this is just a side note—when I’m doing due diligence and I really want to know their financial condition, I’m not going to get it from the CFO. I’m going to get it from somebody over in property management. Why? Because the property management person knows not to tell me anything secret about property management, but they’ll talk about finances all the time. And it’s the same thing. If I’m in a family and I want to know about Daddy, I talk to the daughter.  If I want to know about a neighbor, I talk to a neighbor. I can go to the post office. Everything you ever need to position yourself to sell is out there waiting for you. But you’ve got to get out of your head what you think the market is about and start thinking about individuals within the market. And accept that when I’ve raised money, 70% to 80% of the people I call on don’t do a deal with me. But of that 70%, half of them lead me to somebody else. And I keep up with them. They become my support group. They become my unofficial advisors. Because I’m a decent guy, they want me to succeed. And once they know I’m not bugging them anymore, I say, “Hey, you told me I should go talk to such-and-such.  Here’s what I heard.” And then the network just expands. And occasionally, that person who said no has somebody new come into their life and says, “You need to go talk to Rick Chess.” And sometimes the next time I’m raising money, their situation is different. So the person who told me no originally has seen me work the market and close the deal. It’s amazing how attractive an opportunity is once you can’t put any more money into it. And so you let them know, “I know it wasn’t the right time for you to come into my deal, but we did buy this company. We’ve doubled their…” Whatever it is. You continue to work with them. If somebody is willing to give you time on the phone, on Zoom, at a coffee shop, or wherever, they’re your friend for life. They don’t know that yet, but you’re going to make them your friend for life. It’s the old six degrees of separation—the Kevin Bacon game.  Everybody’s related to somebody somewhere. And it’s what makes this fun for me. You were talking before about growing an exit. I love the process of putting together the network and feeding the network. There are people I’ve known for 50 years that I still talk with.  You’re very good at connecting people and making them look good with other people that you connect them to. It’s very gratifying. So this is a long game, right? Absolutely.  It’s a long game because you’re being decent. You listen to people. You find something that helps them. You learn what they need, what is the itch that needs to be scratched, and then you connect people who can help them scratch that itch. And then they will reciprocate, and it becomes a self-perpetuating process.  Well, I mean, an example is the work that I do in North Carolina with a family that owns 44 hotels. A woman who was my CPA left the CPA firm and became the family officer for a large family here in Richmond. A friend of hers who does advisory work with family offices was giving up on a client. So she told my friend, who used to be a CPA. She introduced me to them and said, “Would you be willing to serve on the board of a private company?” I said, “Well, do they pay?” I used to be on the board of a public company, and after a certain age, you’re not attractive anymore.  After a certain age, they want you off the board because the institutions say, “We want a mix on the board. So I got introduced to these people, and I’ve had a great time. Members of the family have hired me for other work, and it just goes on and on. But I’ve learned that you’ve got to pay it forward. So I have students of mine from VCU who I’ve helped place in jobs. I keep up with them. I give them ideas. And they’re often shocked to find that I’m still in touch with them. I’m not asking them for anything. I’m just saying, “Look, I paid it forward to you. Now it’s your turn to pay it forward to somebody else.” And some of them are doing it. Some of them haven’t caught on yet.  But it is the circle of life, and it’s all tied together. And there are skills you have that I don’t have. There are skills I have that you don’t have. We both have folks that work with business brokers because they have a different drive. But it’s also self-selecting. There are a lot of people you’ve met that you don’t do business with. There are a lot of people I’ve met that I don’t do business with. If you’re going to get into raising money, doing governance, or doing exit planning, whatever it may be, one of the most important things is saying no. Or, “No, I don’t want to work with this person.” You can always be friendly with them. Yeah. But I try to fire a client every month. Somebody that just doesn’t fit for me ethically. Yeah. Or I don’t think there’s anything more I can do for them.  I pass off legal work to other attorneys in Virginia. I’m the chair of the Real Property Section of the state bar. There are 1,550 attorneys. I have plenty of attorneys that I can pass things on to, and they’re happy to get the business, and I’m happy. I’ve got somebody that I’ve referred that’s happy that I’ve referred them. My biggest challenge, my wife would say, my son would say, is that I’m a squirrel chaser. Something new and interesting comes along, and I want to get involved with it. And I’ve wasted so much time. So I’m working with this hotel group down in North Carolina. The last time I had worked with a hotel company was 30 years earlier. Two owners couldn’t agree on a direction.  I worked with them for six months. We made a decision. It was great work. I learned a lot about hotels. But I then went 30 years without applying the same skills. And that’s one thing that, with age, I’ve realized. I am better off saying: “I’ll help you with capital, I’ll help you with governance, and when you’re ready, I’ll help you exit.” That’s it.  Yeah.  If it’s not one of those three, I’ll talk about it.  Yeah.  I’ll listen to you. You don’t want to engage me.  Yeah. I mean, people want deep expertise. They don’t want generalists. They want someone who knows what they’re talking about and who can link them to other resources who also know what they’re talking about. And in today’s age, I think this is becoming more important again. Because of the internet, there was a disintermediation going on, but now there is a reintermediation, I believe. Because there’s so much noise out there, you don’t know what is true and what is fake. AI is creating a lot of fake stuff.  The only people you can really trust are the people who are in front of you, or someone recommends them whom you trust. It’s a transparency thing. So I think what you’re doing is very valuable. It’s going to become even more valuable. And knowledge is ubiquitous. You can ask ChatGPT, and it will give you an answer. But how do you get the trust? How do you get the emotion? How do you get the relationships? That’s all human stuff. And if you still have that, then you’ve got what is valuable.  Well, I have a friend of mine who wrote a book, and he wrote it as a fable. What I love about it is that I know the true story behind the fable. And what comes across in every single chapter is that, with that trust, people who were afraid took a step. And often that is the hardest thing. So I go to the gym six days a week, and the gym is hard. Getting in the car to drive there is the hard part. Once I’m there, I’m around friends, I work hard, I sweat, I get better. Getting in that car and driving down the drive…  So in your fable, in your book, and in most of where I’ve had success, I would love to say it was because I was brilliant. Eh, sometimes I will say I was brilliant. But let me give you an example. United Dominion Realty Trust, now based in Denver and originally based here in Richmond, has been around for 35 years. It was one of the original five REITs in the country—real estate investment trusts. I came in as acquisitions director. They hadn’t closed a deal in a year. I closed three in the first three months. I grew the firm tenfold in 10 years, and I had great people. Buddy Scott as an analyst. Catherine Surface as an attorney.  But what I did was look at it and say, “Does anybody know what we’re trying to buy?” Because they had no acquisition criteria. So I wrote a one-page acquisition criteria document and put it out to everybody who had ever submitted a deal. Oh, and we weren’t responding to the submissions. So a submission would come in, they would look at it and say, “Okay, that doesn’t work.” But they never told anybody no. So one of my rules was that anything that came in would get a response within 48 hours.  And it should be specific. “We don’t like this because of the city.” “We don’t like this because of the roof.” Something specific, because I knew they’d pay attention. And by responding within 48 hours, we went from struggling to get submissions to doubling our submissions within a year. Because people were like, “Oh, we know what they want. We know they will respond.” And then—and this probably sounds outrageous—we celebrated. We put out a newsletter every month. This is back when you mailed things, so we’re going way back into the dinosaur era. But anytime a broker brought us something that we bought, we would do a full-page spread on the broker. We were marketing him or her.  People loved us. And they would tell others about us. So owners would know that if they came to us, we’d make a fair offer and we’d move on. So I would love to say that’s because I was a great attorney. I would love to say that’s because I was insightful. It was just like, “Well, damn, this is obvious.” And reading some of your stuff, I’ve seen you point that out to people time and time again.  You give me too much credit. But yeah, I mean, if you’re there, they say that if you work hard for 25 years, you can become an overnight success. So yeah, it does get obvious when you’ve been studying it long and hard. Well, listen, Rick, that’s been wonderful. So what is your final thought for an entrepreneur, a young entrepreneur or founder who’s coming up? Maybe he’s in real estate. Maybe he’s trying to be successful. What’s the most important mindset for an entrepreneur to become successful?  Well, I mean, you’ve got to know something. I mean, you either need to really know construction, or you’ve got to really know how to lease a space. If you’re going into it like they do on HDTV, like, “Oh, we’re going to find this property and it’s going to be…” You’re going to fail. So get good at something. Accept the fact that you’re not going to be good at everything. Find people who fill in the spots where you aren’t good. In the old days, you might have had to hire them. In today’s world, there are fractional CFOs.  And then when you get down to picking your experts—your attorneys, your accountants, the people that cost you real money—ask them a simple question: When was the last time they did whatever it is that you’re trying to do? Not when was the last time they prepared a securities document. When was the last time they prepared a securities document that succeeded? And that’ll knock out two-thirds of them right there.  Love it. That’s fantastic. Well, if you’re listening to this and you want to be successful in business, or you have a business and maybe you’re getting close to retirement and want to figure out how to transition it, how to exit right, and how to structure it… Or maybe you have a family company and you’re trying to put together a board, and you need someone who really understands governance. Or if you’re trying to do a transaction, a merger, or an acquisition, and you need a trusted advisor who will connect you to the right people and help you make it happen, then call Rick Chess. Rick Chess is here in Richmond. He is on LinkedIn. And you have a website as well, Rick, right?  Yep, yep.  What’s your domain?  It’s chesslawfirm.com.  Chesslawfirm.com. So you can go there, and Rick is going to respond because he always does within 24 hours, or 48 hours max, and he’ll help you. So Rick, thank you very much for coming on the show and sharing your wisdom with us. And if you’re listening to this and you like this show, please follow us on YouTube and Apple Podcasts. Give us a review, and make sure you listen to every episode because we have very exciting entrepreneurs and subject matter experts sharing their knowledge. So thank you for coming, and thank you for listening. Important Links: Rick's LinkedIn Rick's website

In Part 2 of our conversation with financial strategist, entrepreneur, and bestselling author Mel Abraham, we move beyond financial strategy and into the emotional realities of entrepreneurship.  Together, Lisa and Mel explore the hidden relationship many business owners have with success, achievement, identity, self-worth, and burnout. They discuss why so many entrepreneurs tie their value to business performance, why reaching the next milestone rarely creates lasting peace, and how defining your version of "enough" may be one of the most important business decisions you'll ever make.  This conversation is a powerful reminder that building a successful studio is only part of the journey. The ultimate goal is building a life you actually enjoy living.  What You'll Learn  Why success doesn't automatically create fulfillment  How entrepreneurs become addicted to achievement  The dangers of tying your identity to your business  Why burnout should never be a badge of honor  How to align your business with your personal values  What adversity can teach you about resilience  Why defining "enough" matters for long-term happiness  How to stop living in comparison and start living intentionally  Why time is the ultimate currency  How to build a business that serves your life instead of consuming it  Mel Abraham is a CPA, entrepreneur, business advisor, and bestselling author of Building Your Money Machine. He helps entrepreneurs build businesses that generate wealth, freedom, and fulfillment while creating a life aligned with their values and purpose. Through decades of experience helping business owners grow and scale, Mel has become a trusted voice on wealth creation, financial independence, and living a fully expressed life.    Explore our partners: Get ahead of next season with Limelight Teamwear. Visit limelightteamwear.com to learn more Try our Daily Decision Compass - dsoa.com/compass Sign up for Studio Sync - dsoa.com/syncmembershi Join our growing community of people just like you inside our free Facebook group. Click here to join!  Follow The Dance Studio Owners Association:  Instagram: @dancestudioownersassociation | TikTok: @dsoaofficial | Facebook: @dancestudioownersassociation        

Bob Kerr returns to break down his Tax Notes article on the IRS's Centralized Authorization File, the decades-old system that processes Forms 2848 and 8821 almost entirely by hand, now buried under 7 million forms a year at roughly 500 staff years and $50 million to run. He, Roger, and Annie get into why the backlog keeps growing, how practitioners can get ahead of it by putting 8821s on file early, and why transcripts belong in your current-year filing, not just your representation work.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Read Bob's Article https://www.taxnotes.com/tax-notes-federal/practice-and-procedure/high-costs-irss-centralized-authorization-file-system/2026/04/06/7vjccChapters(00:00) - Welcome and Setup (02:36) - Why CAF Matters Now (06:54) - CAF Explained POA vs TIA (10:42) - Choosing 8821 vs 2848 (13:46) - Backlogs and Real Impacts (15:45) - Manual Processing Volume Surge (18:54) - Million Hours and 50M Cost (21:23) - Deadlines Snowball Effect (24:01) - CAF Volume Spiral (24:59) - Early Transcripts Benefits (28:33) - Client Use Cases (30:27) - Why IRS Can't Keep Up (39:13) - Train Clients and Set Expectations (43:33) - Transcripts Beyond Representation (44:32) - VITA Volunteering Insights (48:56) - Wrap Up and Thanks Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

Early morning silly zoom! The Notes: Nelson's grapes! No more squishy wetness! Nelson is a grape martyr! Nelson is keeping it crisp! CRISP! Hit us up, grapes! Do you have a murder room!? Live show coming! A murder-free evening in July! We're a murder podcast now! CPA erotic tax secrets! Fuck 'em in February, Mail 'em in March! Allegedly, Allegedly, Allegedly! That baby smokes cigars like Spicy Beef Gaus! We're gonna do a gentrification! Ladleful of vibes! To the dentist with haste! Jaw-shattering crispness! Will had the zoom take Notes on the recording. Some highlights: - Grape-eating paused during recording to avoid unwanted microphone noise. - Podcast described as anti-murder and educational — clarified emphatically after extended hypothetical murder room tangent. - Whether any Algerian World Cup players might still be in Lawrence, Kansas by show date. - Exact percentage of CPAs "involved with" client taxes — Chris declined to disclose. - NBA: Basketball playoffs concluded; Knicks won the championship, with candidate Mamdani credited for maintaining team "vibes." (Apparently zoom ai missed the election happening) - Algeria geography note: ~80% covered by Sahara Desert; one of Africa's largest countries post-Sudan split. - Both: Confirm D&D session is happening tonight. See our Live Episode 555 (Oops All 5's) on Saturday 7/11! Details soon! Contact Us! Follow Us! Love Us! Email: doubledeucepod@gmail.com Twitter, Instagram, Threads: @doubledeucepod Bluesky: @doubledeucepod.bsky.social Facebook: www.facebook.com/DoubleDeucePod/ Patreon: patreon.com/DoubleDeucePod Also, please subscribe/rate/review/share us! We're on Apple, Android, Libsyn, Stitcher, Google, Spotify, Amazon, Radio.com, RadioPublic, pretty much anywhere they got podcasts, you can find the Deuce! Podcast logo art by Jason Keezer! Find his art online at Keezograms! Intro & Outro featuring Rob Schulte! Check out his many podcasts! Brought to you in part by sponsorship from Courtney Shipley, Official Superfans Stefan Rider, Amber Fraley, Nate Copt, and listeners like you! Join a tier on our Patreon! Advertise with us! If you want that good, all-natural focus and energy, our DOUBLEDEUCE20 code still works at www.magicmind.com/doubledeuce for 20% off all purchases and subscriptions. Check out the Lawrence Times's 785 Collective at https://lawrencekstimes.com/785collective/ for a list of local LFK podcasts including this one!  

Want a quick estimate of how much your business is worth? With our free valuation calculator, answer a few questions about your business, and you'll get an immediate estimate of the value of your business. You might be surprised by how much you can get for it: https://flippa.com/exit 

 --
 This week on The Exit, host Steve McGarry sits down with entrepreneur, CPA, and wealth strategist Cecilia “CeCe” Leung for a candid conversation about one of the most overlooked parts of selling a business: what happens after the deal closes. Drawing from more than 20 years of experience in finance, Wall Street, and advising founders through complex transactions, CeCe shares why so many entrepreneurs focus on valuation and due diligence while overlooking the emotional, personal, and identity shifts that often follow an exit.
 CeCe breaks down common mistakes founders make when preparing for a sale, from failing to think through post deal dynamics with private equity partners to overlooking succession planning and negotiating leverage. She also explores the deeper side of entrepreneurship, including founder burnout, setting boundaries, defining personal success, and why understanding why you want to sell may be just as important as the sale itself. Whether you are preparing for an exit or simply building toward one, this episode offers a refreshing perspective on creating both financial freedom and a meaningful life beyond business.
 
 Cecilia “CeCe” Leung is a CPA, entrepreneur, and founder of Rich & Sassy Wealth Strategies, where she helps founders and executives navigate high stakes moments including exits, IPOs, and major financial transitions. With more than 20 years of experience spanning Big Four firms, investment banking, and CFO leadership roles, CeCe combines financial strategy with a human centered approach to help leaders build wealth, make smarter decisions, and create success that lasts beyond the business.

 LinkedIn - https://www.linkedin.com/in/cscfo/ 

 Website - https://richandsassy.com/ 
 Key Timestamps:
 [00:01] Intro & Show Overview
 [02:58] CeCe's Journey to Entrepreneurship
 [07:06] Preparing a Business to Exit
 [11:14] Post Deal Realities & Leverage
 [14:06] Purpose, Identity & Philosophical Counseling
 [21:13] Founder Mistakes & People Problems
 [23:31] Knowing Your Value & Boundaries
 [25:28] Rich and Sassy Vision & Close

 -- The Exit—Presented By Flippa: A 30-minute podcast featuring expert entrepreneurs who have been there and done it. The Exit talks to operators who have bought and sold a business. You'll learn how they did it, why they did it, and get exposure to the world of exits, a world occupied by a small few, but accessible to many. To listen to the podcast or get daily listing updates, click on flippa.com/the-exit-podcast/

What if the problem isn't your business? What if the problem is that you're trying to force yourself into a life you no longer want? In this episode, we have an honest conversation about something most business owners never talk about: what happens when you hate being a business owner. Some people are struggling because they simply haven't figured out their numbers yet. They love being a business owner but need to understand their Profit & Loss, pricing, debt, cash flow, and profitability. Others hate every aspect of business ownership. They hate sales. They hate marketing. They hate managing people. They hate the pressure and responsibility. Those are two completely different situations. The question is: Which bucket are you in? Today we're talking about how to know the difference and what to do next.

Episode #208 Reinholds Pirags & Nick Chertock -   Golf technology, Hack Motion, 3D swing analysis, and how these tools are transforming coaching and practice. Reinholds Pirags (IG: @hackmotion, YT: @HackMotion, FB: @hackmotion, X: @hackmotion_golf) is the co-founder and CEO of HackMotion, a leading sports technology company known for its cutting-edge golf wrist sensor and swing analyzer. Pīrāgs transitioned his background from snowboarding data tracking into building the golf tech tool. Nick Chertock (IG: @golfprogress, X: @golfprogress, FB: @chertock) is many things: a dad of three, a CPA, equity comp tax expert but what he's most known for to the golfing world is being the co-founder of Open Forum. What is Open Forum? It is golf science redefined where you can discover the latest breakthroughs in golf science and instruction by the top minds in each field – coaching, learning, fitness, tech, and more. If you would like to be added to our weekly email list click here: http://eepurl.com/dw1j7T This episode is brought to you by Harlestons, premium golf apparel with premium materials. From performance fabrics to tailored fits and timeless color palettes, every Harlestons piece is designed to meet the highest standards - on the course and beyond. Harlestons commitment to quality isn't just a standard; it's a promise they stand behind in every stitch. Visit www.harlestons.com and use discount code GOLF360POD at checkout. Sponsors: Want to know why our communities and nation are struggling? Could the answer be our lack of leadership and quality LEADERS?  Find the answers in this eye opening book; 'Why do we call them LEADERS?: The disgraceful collapse of Americas leadership standards' by Rande Somma.  BUY HERE https://amzn.to/3xkoflG Affiliates:Morozkoforge is the world premiere ice bath. It's not a cold plunge or a cold tank, it's a true bath that makes ice. If you want to experience all the health benefits of ice baths and feel better than ever go to https://www.morozkoforge.com/ and use discount code GOLF360 at checkout to save $500 The Stack System is the games premiere training device to increase your swing speed. Check them out at https://www.thestacksystem.com/ and be sure to enter GOLF360 at checkout for your discount. Payntr Golf Shoes are changing the way shoes help you improve by using traction in three dimensions. This helps you improve your ground reaction forces and ultimately your swing. Check them out at www.payntrgolf/GOLF360 to enjoy a more comfortable way to play golf. Cool Mitts - The science of heat transfer. As your muscles work, their internal temperature rises rapidly. Eventually your muscles activate natural fail-safe mechanisms that shut down the muscle's activity to protect them from excessive heat. The result? ...Fatigue. CoolMitt vasocooling technology quickly sends cooled blood to your muscles via your heart - allowing you to go stronger, faster, longer, and better. Use discount code GOLF360-20 at checkout to get your special discount.  https://coolmitt.com/?ref=GOLF360-20 Get your 15% discount on your next order of JustThrive Probiotic at https://justthrivehealth.com/GOLF360 Looking to play one of the best golf courses in the Hilton Head Island area? Be sure to check out Old South Golf Links and have one of the best days ever https://www.oldsouthgolf.com/ Listen to all episodes: Spotify: https://spoti.fi/3Lm6wxs Apple Podcasts: https://apple.co/2PnsaFR Golf 360 website: https://www.thegolfparadigm.com/golf-360-podcast.html Follow us on social media at: Instagram: https://www.instagram.com/g360podcast/ Twitter: https://twitter.com/Podcast360 Facebook:  https://www.facebook.com/G360podcast/

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Charles Cofield. Thanks! The transcript from this episode of Money Making Conversations Masterclass features an inspiring and high-energy interview with CPA and financial educator Carter Cofield, co-founder of Melanin Money. Here's a breakdown of the key highlights and takeaways:

Are you paying more taxes than you should? In this episode, we break down three powerful tax strategies that can help business owners and real estate investors keep more of what they earn. You'll learn how Cost Segregation can accelerate deductions, how the Augusta Rule can create tax-free income, and how an Accountable Plan can turn everyday expenses into valuable tax savings. We also cover common mistakes, real-world examples, and the simple rules you need to follow to make these strategies work. If you're looking for practical tax planning ideas, smart tax strategies, and business finance insights that can improve your bottom line, this episode is for you. Don't leave money on the table. Listen now and discover which strategy could save you thousands this year.   Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Falling behind on taxes can feel overwhelming. Maybe you missed one year, then another. Maybe a job change, a divorce, an illness, a death in the family, or a season of financial hardship made it hard to keep up. Or perhaps you started gig work, received a 1099 for the first time, and were surprised to discover that you owed more than expected. Whatever the reason, failing to file your taxes for several years is serious—but it is not the end of the road. The IRS would rather see you come back into compliance than continue avoiding the issue. The most important step is to begin. Kevin Cross has helped many people walk through this very situation, and his counsel is simple: don't panic, don't ignore it, and don't assume it's too late to get help. Start With the Current Year If you have not filed taxes in several years, your first instinct may be to go back to the earliest missed return and start there. But Kevin often recommends a different first step: filing the most recent tax year. The goal is to show the IRS that you are trying to come back into compliance. Filing the current year helps convey that this was not willful neglect but a season when something went wrong, and that you are now taking responsibility. The further behind you are, the harder it can feel to catch up. But beginning with the most recent return can give you a clear starting point and stop the pattern from continuing. Why People Fall Behind There are many reasons someone may stop filing taxes. Some are self-employed or gig workers who receive a 1099 and discover they owe thousands of dollars because taxes were not withheld throughout the year. Others fall behind after a divorce, death, disability, job loss, or another major life disruption. Since the COVID years, many people have also struggled to keep up with their tax responsibilities. Once one year is missed, it can be easy to feel overwhelmed and avoid the next one, too. But avoidance only makes the problem heavier. The path forward begins with gathering information and getting the right help. Not Filing Is Different From Not Paying It is important to understand the difference between not filing and not paying. If you owe taxes, the April deadline matters. You can file an extension to extend the time to file your return, but that extension does not extend the time to pay any tax you owe. However, if you are due a refund, there is generally no penalty for filing late. But there is a time limit. If you wait too long—typically more than three years—you may lose the ability to claim that refund. Some people may not be required to file at all. For example, if Social Security is your only source of income, you generally do not need to file a federal tax return. But the challenge is that many people do not know whether they owe or not until their information is reviewed. Other income can change the picture, such as interest, dividends, retirement distributions, self-employment income, or the sale of a home. Even a home sale that qualifies for the primary residence capital gains exclusion may still need to be reported properly so the IRS understands why no tax is owed. Gather Your Wage and Income Transcripts One practical step is to request a wage and income transcript from the IRS. This transcript shows what the IRS has on file for you, including W-2s, 1099s, mortgage interest forms, retirement distributions, and other tax-related documents. You can request this through the IRS website. Searching for “IRS wage and income transcript” should take you to the right place. This can be especially helpful if you do not have all your old tax documents. It gives you a starting point for reconstructing the missing years. Work With a Qualified Tax Professional While you can download your transcripts yourself, you may not know what to do with them once you have them. IRS transcripts do not look like regular tax forms, and catching up after multiple missed years can involve more than simply filling out returns. That is why Kevin recommends working with a tax professional who understands tax representation and IRS procedures. A qualified CPA, enrolled agent, or tax professional can help determine which years need to be filed and how to communicate with the IRS. According to Kevin, the IRS typically focuses on the past six years when bringing a taxpayer back into compliance. That does not mean every situation is identical, but it does mean you should not simply assume you need to start with a very old return from decades ago. A knowledgeable professional can help you determine the proper path. The IRS Will Work With You Many people avoid filing because they are afraid of what they might owe. But the IRS has options for taxpayers who cannot pay everything at once. Depending on your situation, those options may include a payment plan or, in some cases, an offer in compromise. The key is to take the first step rather than remain silent. Ignoring the problem will not make it disappear. But taking action can begin to restore order, clarity, and peace of mind. A Faithful Step Forward Taxes may not be pleasant, but handling them honestly is part of faithful stewardship. Romans 13:7 says, “Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed.” If you have fallen behind, do not let shame keep you stuck. Begin with the next faithful step. Gather your documents. Request your transcripts. File the current year. Then find a qualified tax professional who can help you walk through the rest. And if you would like to find a trusted financial professional who shares your values, visit FindaCKA.com to connect with a Certified Kingdom Advisor® (CKA®) near you. On Today's Program, Rob Answers Listener Questions: I have about $18,000 in credit card debt. I may have the opportunity to work in Alaska's fishing industry for three months and earn enough to pay it off quickly. Should I contact Christian Credit Counselors before I go, or wait to see how much progress I can make during those three months? I have a Thrift Savings Plan and plan to retire within the next five years. I was told I could roll over part of my TSP into something that would protect the principal, keep it from going down, and still leave my TSP open for contributions. Is that wise, and is it really guaranteed not to lose value? I'm 59 and have contributed to my company's traditional 401(k) for years, with a 50% employer match. I'm near the end of my career and likely at my highest income level. Should I keep contributing to the traditional 401(k), or would a Roth option make more sense? I've been studying the Bible for just over a year and recently began tithing. I want to honor the Lord faithfully, but I'm not sure where the tithe should go. Biblically, who should receive it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we break down the massive wave of M&A activity hitting the industry, featuring our returning guest, Chris Kolquist from Koliway LLC! With tons of headlines about large companies looking to acquire businesses, we dive into what it takes to survive the freight recession and come out on top. We also cover the impact of the recent SCOTUS ruling on carrier decisions, how to transition from a founder-led business to a scalable organizational structure, and the future for boutique brokerages utilizing AI and automation! If you want to know what makes a brokerage truly appealing to buyers and how to protect your life's work, you don't want to miss this conversation!   About Chris Kolquist Throughout his career, senior executive and strategic leader Chris Kolquist has been a catalyst in driving commercial growth, positive financial results, and maximum shareholder value in challenging and hyper-competitive markets. He has built a noteworthy reputation for understanding investments, delivering ROI objectives, managing massive change, and building highly effective cultures. In 2021, Chris launched Koliway LLC, an investment and advisory firm specializing in investments, M&A transactions, board service, and advisory executive logistics work. Chris began his career with Arthur Andersen, where he served as Senior Auditor from 1998 to 2001, conducting audits, M&A transaction support, and financial due diligence for buy-side and sell-side clients. He earned a Bachelor of Arts degree in Accounting from the University of St. Thomas in St. Paul, Minnesota in 1998 and obtained his CPA license in 2001 (now inactive).   Connect with Chris Website: https://koliway.com/  Email: ckolquist@koliway.com  

Tax season just got a lot more interesting.In this episode, Mark Lumpkin sits down with CPA and real estate tax strategist Ryan Carriere to break down one of the most powerful tax strategies available to short-term rental investors today.Ryan explains how the return of 100% bonus depreciation under the One Big Beautiful Bill impacts investors, why the Short-Term Rental Tax Loophole remains a game changer for high-income earners, and the specific rules you must follow to qualify.They cover:• The return of 100% bonus depreciation and what it means for investors• How the Short-Term Rental Tax Loophole actually works• The 7-day average stay rule explained• Material participation requirements and common mistakes• How to track hours correctly for audit protection• Personal use rules that can destroy your tax benefits• Why most investors need a tax strategist, not just a tax preparer• Real-world examples of how investors can potentially save six figures in taxesIf you're buying short-term rentals for cash flow, appreciation, and tax savings, this episode is essential listening.Connect with Ryan Carrier:Website: CarrierTaxConsulting.comLinkedIn: Ryan Carrier, CPAYouTube: Ryan Carrier, CPA__Episode Sponsored By:STR SearchSTR Search is the industry leading property finder service. They've helped investors acquire over 215 profitable STRs across the US. If you'd like the data professionals to help you find your next STR, reach out to STRsearch.com

Welcome back to the Building Your Money Machine Show! In this episode, I'm ripping the curtain off the lies and slick sales tactics that can cost you EVERYTHING. I'm talking about the 8 big warning signs that someone is lying to you about an investment. Yep, I've been burned myself, lost a third of everything I owned—so you better believe I'm speaking from experience, not theory.Too many so-called “opportunities” are nothing but traps, dressed up to look like your ticket to financial freedom. And if it can happen to me, after 30-plus years as a CPA and financial pro, believe me, it can happen to anyone. This episode is raw, real, and 100 percent about keeping you on the winning side of wealth.If you want to know how to spot the cons, protect your money, and stop falling for fairy tales with a wire transfer at the end, this is your episode. I'll give you the top red flags, the stuff even smart people miss, and why hope, not greed, is what scammers are really selling you.IN TODAY'S EPISODE, I REVEAL:The dead giveaway that an investment promise is just too good to be trueWhy changing stories and shifting timelines are your clue to RUNThe danger of high-pressure “act now” pitches and FOMO tacticsHow complexity and “secret” strategies hide the ugly truthThe one subtle sign at the end that exposes a liar every single timeListen up, take notes, and share it with someone you care about! It's time to stop getting played—and start building your real money machine.RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Peter Holtz reveals why most CPAs are compliance fillers, not tax planners — and how real estate investors can cut their tax bill by 40% or more.In this episode of RealDealChat, Jack Hoss sits down with Peter Holtz, certified tax planner and CPA, to break down the massive gap between tax compliance and real estate tax planning strategy.Peter covers:Why only 1,100 out of 1.2 million licensed tax preparers are certified tax plannersHow cost segregation works and why virtually no one uses itThe 1031 exchange and reverse 1031 you should know before every saleHow a retired real estate investor legally captured $250,000 in tax-free gains every two yearsThe airline pilot case study: how Peter fought the IRS and won, getting his client years of zero tax liabilityWhy your CPA saying "no, you can't" is a red flagHow to use real estate depreciation to shelter business incomeThe McDonald's model and why every successful business is really a real estate businessHow Peter's team uses AI and cloud accounting to deliver faster resultsQuestions you should ask your CPA before you file another returnIf you own real estate, run a business, or are paying more taxes than you think you should, this episode is required listening.

Most lawyers build their firms to serve clients, not to eventually leave them. But every law firm owner will exit someday, whether by choice, necessity, or life change.  In episode 622 of the Lawyerist Podcast, Zack Glaser talks with Tom Lenfestey, attorney, CPA, and founder of The Law Practice Exchange, about why exit planning should not be treated as something reserved for retirement. Tom explains why succession planning often feels like the end, while exit planning gives firm owners more control over their future, their value, and their next act.  They explore what makes a law firm transferable, why systems and data matter to buyers, and how lawyers can build firms that are worth more than just the owner's name. Tom also breaks down how the market for law firm sales is changing, from private capital to alternative business structures, and why modern buyers are looking closely at financials, intake, marketing, operations, and owner independence.  If you own a law firm, this conversation is a reminder that your firm can be more than a job you built for yourself. With the right planning, it can become an asset, a legacy, and a bridge to whatever comes next.  Links from the episode: https://thelawpracticeexchange.com/  https://a.co/d/05rY2bUe  Listen to our previous episodes on Law Firm Exits & Succession.  #568: How to Build a Law Firm You Can Sell, with Victoria L. Collier Apple | Spotify | LTN  #517: Passing the Torch: Mastering the Art of Succession, with Carol Bertsch & Brennen Boze Apple | Spotify | LTN  #369: Selling Your Practice, with Tom Lenfestey Apple | Spotify | LTN  #326: A Succession Plan for Your Law Practice, with Tom Lenfestey Apple | Spotify | LTN  Have thoughts about today's episode? Join the conversation on LinkedIn, Facebook, Instagram, and X!   If today's podcast resonates with you and you haven't read The Small Firm Roadmap Revisited yet, get the first chapter right now for free! Looking for help beyond the book? See if our coaching community is right for you.   Access more resources from Lawyerist at lawyerist.com.   Chapters / Timestamps:  00:00 – Introduction  01:00 – Why Succession Planning Feels Like the End  02:15 – Identity, Second Acts & Life After Practice  05:00 – Meet Tom Lenfestey  06:35 – Does a Law Firm Have Value Beyond the Owner?  07:45 – Why Tom Started The Law Practice Exchange  10:45 – Creating a Marketplace for Law Firm Sales  12:55 – When to Start Planning Your Exit  13:55 – Why Exit Planning Belongs in Your Strategic Plan  15:45 – Why Time Is Your Biggest Advantage  16:05 – Building a Firm with Exit in Mind  17:30 – Why The Exit Blueprint Matters Now  20:40 – What Law Firm Owners Need to Know Before Selling  22:45 – Private Capital, ABS & New Buyer Models  25:20 – What Sophisticated Buyers Want to See  27:15 – Why Data and Systems Create Transferable Value  29:00 – When Succession Planning Goes Wrong  31:20 – Why Internal Successors May Not Be Buyers  33:00 – Exit Strategy vs. Retirement Planning  36:50 – Keeping Your Options Open After Exit  38:50 – Where to Find The Exit Blueprint 

Intuit just cut 17% of its workforce, roughly 3,000 employees, and Alicia is joined by Dan DeLong and Matthew "Spot" Fulton to unpack what actually happened and why it isn't the AI story everyone assumed. Drawing on Dan's 18 years inside the company, they break down the real drivers behind the cuts, the unusually generous severance packages, the closing of the Reno and Woodland Hills offices, and the three big bets shaping Intuit's future. They also dig into the uncertain fate of MailChimp and what the mid-market pivot signals for ProAdvisors and the QuickBooks community.Sponsors:Aqqrue - http://uqb.promo/aqqrueC&R Consulting - http://uqb.promo/cnr(00:00) - Intuit Layoffs Overview (01:57) - Why Layoffs Happen (03:01) - Dan Layoff Story (04:58) - Restructure Not AI (06:23) - Details and Office Closures (09:42) - India and Global Impact (11:50) - Culture and Job Mobility (14:15) - Severance and Support (20:47) - Layoffs and Career Growth (24:42) - Letter Management Layers (29:03) - Customer Support Outsourcing (32:10) - Strategic Hubs and Remote Work (36:09) - TurboTax Credit Karma Merge (37:04) - Restructuring Around Customers (38:09) - Three Big Bets Explained (38:46) - AI Native Done For You (39:49) - Center Of Money Push (41:56) - Mid Market Expansion (43:22) - MailChimp Cuts And Risks (47:10) - Divestiture Rumors And AI (52:36) - SMB Churn And Competition (54:42) - Closing Thoughts And Thanks (55:41) - What's New With Hosts (56:16) - Scaling New Heights Plans (58:25) - Alicia Events And Training (01:01:35) - Awards And Final Wrap LINKSIntuit Account login episode: uqb.show/81 Dan's School of Bookkeeping course about Bulk Editing Data in QuickBooks: https://www.schoolofbookkeeping.com/a/2148284044/FzeLMxRpSchoolofbookkeeping YouTube: https://snip.ly/SOBYTFree Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayQB Power Hour: https://www.qbpowerhour.com/ Alicia's book on Amazon: http://royl.ws/conversion-bookJuly 21 through October 8: HANDS-ON QUICKBOOKS COMPLETE TRAINING COURSE, http://royl.ws/HOT2026?affiliate=5393907We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQBOPodcastSign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

What if many of the symptoms women experience after 40 aren't signs that something is wrong—but invitations to care for themselves differently?In this empowering conversation, Elaine Starling sits down with fitness coach, entrepreneur, cancer survivor, and women's wellness advocate Jeanne Phares to explore what women truly need during perimenopause and menopause. Together they challenge outdated beliefs about aging, fitness, and self-care while revealing practical ways to build strength, vitality, confidence, and longevity.Jeanne shares her remarkable journey from being diagnosed with acute myeloid leukemia despite being in excellent health to rebuilding her strength and discovering the profound role that skeletal muscle, sleep, mindset, and self-worth play in healthy aging.If you've been feeling tired, frustrated, disconnected from your body, or uncertain about how to navigate midlife changes, this conversation offers both hope and practical guidance for creating greater abundance through physical, emotional, and spiritual strength.Topics CoveredYouTube Chapters0:00 Why Women Over 40 Feel Different in Their Bodies2:33 Connecting with Divine Wisdom Through the Body10:58 Jeanne's Cancer Survival Story & Wake-Up Call15:15 Why Women Must Stop Putting Themselves Last16:45 Defining Abundance Through Strength and Vitality20:07 The Hidden Cost of Losing Muscle and Bone24:00 Becoming a Powerful Role Model Through Self-Care25:05 Bringing Spiritual Practice into Strength Training28:38 The Mindset Shift Required for Lasting Change31:48 Small Daily Habits That Create Big Results34:40 Why Sleep Is the Foundation of Wellness39:37 Jeanne's Confidence Forward Habits Guide41:10 How to Support Yourself Through Midlife and BeyondKey Takeaways

Karl Paadam made partner at PwC Estonia at 26, spent a decade in tech, and came back to build United Accountants on a contrarian thesis: the future of accounting is human. He joins Blake to explain how a firm can hand bookkeeping, categorization, and reconciliation to an AI operating system that layers on top of whatever software a firm already runs, freeing CPAs to keep their local brand and focus on judgment and advisory work. They also get into outcomes-based pricing, what it means to build "the first big small firm," and why the accountant who ignores AI is the one who gets replaced.Chapters(00:00) - Welcome Karl Paadam to the Earmark Podcast (01:51) - Building a Practice (02:40) - Leaving PwC for Tech (03:29) - Accounting Is Human (05:17) - Advisory Skills Shift (06:35) - AI Productivity in Practice (09:25) - United OS Walkthrough (10:34) - Partner Model Keep Brand (14:50) - Integrations No Rip Replace (18:44) - First Big Small Firm (21:48) - Outcomes Based Pricing (25:00) - AI Like Excel Era (28:05) - What AI Does Next (29:21) - Fear Traps and Controls (32:39) - Who United Fits Best (33:25) - Wrap Up and Contact Learn more about United Accountants https://www.unitedaccountants.com/ Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guest, Karl PaadamLinkedIn: http://linkedin.com/in/karl-paadam-39730214Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

Is accounting one of the most valuable degrees a student can pursue? In this episode of MX3 Podcast, we talk with an accounting student about internships, real-world accounting experience, CPA requirements, financial literacy, AI in accounting, and why understanding numbers can help you in business, taxes, investing, and life.We discuss why accounting is more than just math, how internships can prepare students for the real workforce, how AI is changing repetitive accounting tasks, and why financial education matters for everyone — whether you want to become an accountant, run a business, or simply understand your own money better.At MX3 Podcast, our mission is discussing money, motivation, and relevant events.

Show Notes In this episode of Be a Smarter Homeowner, host Beth Dodson sits down with Craig Sheets, founder of Crestville Accounting, to unpack one of the most misunderstood parts of homeownership: taxes. Craig brings nearly 25 years of senior-level accounting experience and helps individuals and business owners not only stay compliant, but also make smarter financial decisions throughout the year. Together, Beth and Craig discuss how homeowners can better understand deductions, tax planning, rental property rules, renovation records, mortgage interest, inherited homes, and the importance of working with a knowledgeable CPA. This conversation covers practical tax considerations for both primary residences and rental properties, including the difference between repairs and capital improvements, how renovations can affect your cost basis, what rental property owners should know about depreciation, and why keeping detailed records can make a major difference when it is time to file taxes or sell a home. Topics covered include: Homeowner tax myths, Schedule A deductions, sales tax deductions, mortgage interest, real estate taxes, rental property deductions, cost segregation, depreciation, repairs versus renovations, capital improvements, tax basis, inherited homes, revocable and irrevocable trusts, energy-efficiency tax credits, and why planning with your CPA matters. Important note: This episode is for educational purposes only. Tax laws and individual situations vary, so homeowners should consult their own CPA, accountant, or financial advisor before making tax decisions.   Episode Summary Your home is often your largest financial asset, but many homeowners do not fully understand how it connects to their tax strategy. In this episode, Beth Dodson talks with CPA Craig Sheets about the deductions, credits, planning opportunities, and recordkeeping habits homeowners should know. Craig explains why tax planning should happen year-round, not just during filing season. He discusses how homeowners may be able to deduct certain taxes, mortgage interest, sales tax on qualifying renovations, and energy-efficient upgrades. He also breaks down the difference between a repair and a renovation, explaining why that distinction matters for tax purposes. For rental property owners, Craig goes deeper into depreciation, cost segregation, active versus passive management, possible travel and business-related deductions, and the importance of understanding how a property is owned. Beth and Craig also explore how renovations can affect a home's tax basis and why detailed project records can help homeowners reduce potential capital gains later. The episode closes with practical advice: keep receipts, track home improvements, document energy-efficient upgrades, communicate with your CPA before major projects, and treat your home like the financial asset it is.   Key Takeaways Homeowners may miss deductions simply because they do not know what to track. Repairs and renovations are treated differently for tax purposes. Rental property ownership comes with additional rules, deductions, and planning opportunities. Cost segregation may help rental property owners accelerate depreciation. Home improvements can increase your tax basis, which may matter when you sell. Mortgage interest can be part of an itemized deduction strategy. Energy-efficient upgrades may qualify for tax credits, which can be more powerful than deductions. Inherited homes and trusts can create tax consequences that should be planned carefully. Good recordkeeping can save homeowners money. The best tax strategy usually begins before the project, purchase, sale, or filing deadline. Chapters 00:40 Understanding Homeownership and Taxes 01:52 Myths and Misconceptions in Home Taxation 05:40 Deductions for Home Renovations 10:42 Navigating Rental Property Deductions 15:38 The Importance of Active Management in Rentals 20:35 Repairs vs. Capital Improvements 22:24 Understanding Repairs vs. Renovations 24:25 Appliances and Their Tax Implications 27:29 The Impact of Renovations on Capital Gains 32:10 Tax Basis and Renovations Explained 36:18 Living in Your Home: Tax Implications 39:47 Mortgage Interest Deductions: A Double-Edged Sword 41:24 Understanding Mortgage Interest Deductions 42:56 The Benefits of Homeownership 44:41 Renovations and Their Impact on Home Value 48:19 Inheriting a Home: Key Considerations 53:36 Tax Tips for Homeowners

Most small business owners spend almost all of their time working in the business, but not enough time working on the business.In this episode, we sit down with Sam Slater, a former Google executive with over a decade of experience in design strategy, to talk about how entrepreneurs and solo-preneurs can get clear, identify the real problem, and create a plan for moving forward.Sam helps small businesses turn chaos into a clear, linear process by asking the right questions: who, what, why, and how. Through his in-person workshops and Clarity Clinic, he helps business owners address challenges around growth, client communication, client retention, operations, and more.We also talk about why business owners often struggle to step back, prioritize, and address problems head on, and how a 30, 60, 90 day roadmap can help create real momentum.Learn more about Sam and his work:Sam Slater Consulting samslaterconsulting.comInstagram: @the_clarityclinicHosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

From selling candy in school as a kid in Medellin and getting robbed by his business partner, to riding the South Florida real estate boom and losing everything in the crash before he was twenty, Alex Lopez, CPA built his understanding of deals through lived experience long before he picked up an accounting textbook. Alex runs a CPA firm specializing in CFO services and tax minimization strategy, with over 12 years of experience at global accounting and consulting firms and in corporate America. He works with entrepreneurs in professional services, tech, and real estate, focused on helping them scale from six to seven to eight figures while keeping more of their profits out of the IRS's hands. His years as a financial auditor trained him to assess a business quickly, corroborate what owners claim, and identify which direction a company is actually trending. In this episode he walks through two contrasting deals: one where understanding why a buyer was willing to stretch above market multiples revealed hidden strategic value that let his client hold firm on price, and another where a single off-ratio insurance figure that nobody fully investigated masked a multi-million dollar misrepresentation that killed the deal entirely. He also shares the story of a seller whose insistence on cash over a higher leveraged offer turned out to have nothing to do with preference and everything to do with a pending white collar conviction. On tax planning, Alex is direct: by the time a deal is under letter of intent, several of the most powerful strategies are already gone. He walks through qualified small business stock, which can allow eligible founders to exit with little to zero federal tax on the capital gain from a business sale, but only if the company was structured as a C corporation and the stock held for at least five years. He described a young tech founder who called his firm last year with the deal locked and loaded to close, and paid a seven-figure tax bill because nobody had ever told him this option existed. The conversation also covers how S corporation elections that make sense for self-employment tax purposes can create complications in deals that include rollover equity, why founders who avoided C corp status to preserve early pass-through losses often give up far more in QSBS savings than they ever gained, and how structuring payouts over time can both spread the tax bill across lower-bracket years and give sellers leverage to negotiate a higher total price. For anyone building a business with any intention of eventually selling, this episode makes one thing clear: the time to think about these questions is years before you have a buyer at the table. FOR MORE ON ALEX LOPEZ, CPA: Website: AlexLopezCPA.com FOR MORE ON COREY KUPFER: https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Alex Lopez's background in CFO services and tax minimization [02:54] - First deal: selling candy in school and the partner who stole everything [13:48] - Using ratios and anecdotes to spot market exuberance before it corrects [21:31] - Finding hidden value and why a buyer's motivation is negotiating leverage [28:45] - Why tax planning needs to start before there is a deal on the table [32:13] - Structuring payouts over time to spread the tax bill and negotiate better terms [44:13] - The seller whose insistence on cash pointed to a white collar conviction[49:37] - What freedom means: being oneself and at peace with one's surroundings Guest Bio: Alex Lopez, CPA is passionate about helping business owners scale, increase profits, and minimize taxes. With over 12 years of experience working at global accounting and consulting firms and in corporate America, Alex runs a CPA firm specializing in CFO services and tax minimization strategy. He works primarily with entrepreneurs in professional services, tech, and real estate. Alex grew up in Medellin, Colombia and came to the United States in 1999, getting his real estate license straight out of high school before the 2008 financial crisis redirected him toward accounting. That combination of early deal experience and deep technical expertise informs how he advises clients on both the financial and structural dimensions of their transactions. Related Episodes:Episode 350 - Tom Dillon: Business Valuation and Exit Planning Realities: Understand how valuation works in practice and what drives the gap between what owners expect and what the market will pay.Episode 330 - Pete Mohr: Building Enterprise Value and Exit Readiness: Learn how operational decisions made years before a sale determine what a business is actually worth when it goes to market.Episode 339 - Solocast 74: Equitizing Key Employees and Succession Planning Strategies: Explore how entity structure and equity decisions made early shape your options when it is time to exit.

There are two ways to get your student loans forgiven — and the one nobody talks about could leave you with a six-figure tax bill. Most physicians know PSLF. Far fewer understand taxable forgiveness — the IDR path that hands you a massive tax bill 20 years down the road. Jimmy and Justin break down a real listener question (anesthesiologist + dentist, $400K in loans at 7%) to show why "married filing separately" math isn't as clean as it looks, and why your repayment plan now hinges on a looming July 2026 deadline. Resources mentioned: Looking for a CPA that does more than just file taxes each year? Check out Gelt, the proactive tax strategy partner that Jimmy personally uses, and receive 10% off the first year through the MMM link. Get $100 off a Student Loan Consult with Student Loan Planner: moneymeetsmedicine.com/loans Looking to refinance your private student loans? Click here to learn how to find the lowest interest rates out there. Every physician must get disability insurance before leaving training! Get a disability insurance quote from Money Meets Medicine Disability. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Small tax mistakes can cost you thousands, even when you think you're doing everything right.From missing a filing deadline to misunderstanding how a deduction works, small errors can quickly turn into penalties, lost deductions, and a higher tax bill.In this episode, Mike answers real tax questions from small business owners covering gambling losses, BOI reporting, moving an S corporation to another state, the Augusta Rule, HSAs, late 1099s, estimated tax penalties, startup expenses, vehicle write-offs, and more. He breaks down the rules, explains the available options, and shares practical steps to help you stay compliant and avoid costly tax mistakes.

Are IRS audits really as scary as people make them seem? In this episode, we break down the biggest IRS audit red flags that business owners need to understand. You'll learn why repeated losses, poor documentation, vehicle deductions, home office claims, contractor classification, and other common issues attract IRS attention. We also discuss the difference between fear-based tax advice and smart tax planning. Discover practical tax strategies that help protect your business while maximizing legitimate deductions. Learn how proper documentation, strong business finance systems, and proactive planning can reduce risk and help you make better money decisions. If you want to stop overpaying taxes and gain confidence in your tax strategy, this episode is packed with actionable insights. Listen now and learn how to build an audit-proof business before the IRS ever comes knocking. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

We're back with Part 2 of my two-part series on 10 things I know for certain about building a business, not from books or courses, but from almost a decade of living it. If you missed Part 1, go back and listen to Episode 255 first. We covered lessons one through five, and this episode picks up right where we left off. Today we're finishing out the list with lessons six through ten, and honestly these might be the ones that hit the hardest. We're talking money mindset, why you can't do it alone, what a coach actually does for you, giving yourself full permission to change your mind, and the thing I believe most deeply after all of it: this whole founder journey is personal development first. In This Episode: Lesson 6: Finances can be simple (and the money mantra that changed everything for me) The "money flows like water" mindset shift I learned from CPA Sheila Hansen Gina Knox's money waterfall system and why it finally made my finances click Lesson 7: You will not realize your goals entirely on your own. Bring others along. Lesson 8: You will grow faster and go further with a coach, a mentor, or a consultant in your corner How working with Katrina Klooster changed the trajectory of my 2025-2026 transition How podcasting consultant Jill Carr helped me make clearer decisions about the future of this show Lesson 9: You are allowed to change your mind (Surge, Sierra Mist, and why pivoting isn't failing) Lesson 10: This journey is personal development first and a professional endeavor second   People and Resources Mentioned: Sheila Hansen, CPA (and past Found Podcast guest) Gina Knox, founder of Small Business Money School (also a past Found Podcast guest) Katrina Klooster, life and leadership coach (another Found Podcast guest - Episode 252) Jill Carr, podcasting consultant (and, you guessed it, a Found Podcast guest!) Miranda (the Found Podcast editor who makes it all happen every week!) Find Molly: Website: mollyknuth.com Instagram: @mollyknuth Email: molly@mollyknuthmedia.com Listen and Subscribe: Spotify Apple Podcasts Did something from this episode (or the last one) land for you? I'd genuinely love to hear it. Reach out on Instagram or send me an email and tell me which lesson resonated most. And if you know a founder who needs to hear this... send them both episodes.  

In this episode, Stewart Heath shares his journey from CPA to successful real estate syndicator, highlighting lessons learned from financial crises, the importance of cash flow, and building resilient investment portfolios.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

On this episode of The Karol Markowicz Show, Karol sits down with education reform leader Erika Donalds, founder of the Education Freedom Foundation, school choice advocate, entrepreneur, and wife of Florida gubernatorial candidate Byron Donalds. Erika explains why she remains "still mad" about COVID school closures, how classical education is transforming student outcomes, and why America's education system needs a fundamental overhaul. She shares her journey from CPA and investment executive to education activist, discusses the rise of school choice across the country, and offers a bold prediction for how AI and customized learning will reshape education over the next decade. The conversation also touches on entrepreneurship, family, public life, political attacks, and what parents can do right now to take control of their children's education.See omnystudio.com/listener for privacy information.

In this episode, Drew and Fuse discuss the importance of proper tax practices for DJs, including what expenses can be written off, how to organize finances, and the benefits of working with a CPA. They also share personal stories and tips for managing business expenses effectively.

In this episode, we will discuss common dementia-related behaviors and symptoms caregivers often wonder about, and how to tell when something may be part of the condition versus when it could signal another issue. We'll go through six real caregiver questions, covering topics like incontinence, changes in mood, waking up disoriented, shifts in taste preferences, loss of appetite, and repeating the same story.‍Questions answered: Incontinence — is it normal?Why are they so mean, is this normal?Is it normal for someone with dementia to wake up disoriented?Is it normal for their taste preferences to change? Is repeating the same story over and over in the same conversation a normal symptom of dementia?Mom says she's not hungry and she hasn't eaten in four days, is this normal with dementia?CONNECT, GET RESOURCES, LEARN MORE, + SIMPLIFY YOUR CARE JOURNEY:LinkTree | ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.letsbambu.com/b/linktree⁠⁠⁠⁠⁠⁠⁠⁠⁠MUSIC CREDIT: Listen To SpillageVillage - Tropical Landing Pop Songs At Looperman.com DISCLAIMER: The information contained in Bambu Care LLC's website, blog, emails, programs, services and/or products is for educational and informational purposes only. While we draw on our prior professional expertise and background in other areas, you acknowledge that we are supporting you in our role exclusively as a Dementia Care Consultant. By participating in Bambu Care, LLC's website, blog, emails, programs, services and/or products, you acknowledge that we are not a licensed psychologist, professional counselor, or medical doctor. We in no way, diagnose, treat, or cure any illnesses or diseases. Dementia Care Consulting is in no way to be construed or substituted as psychological counseling or any other type of therapy or medical advice. The information provided by Bambu Care, LLC also does not constitute legal or financial advice nor is intended to be. Dementia Care Consulting is not a substitute for the services of a CPA or attorney.

You don't have to build your own business from scratch to be an entrepreneur. You can buy one instead. Della Kirkman, CPA and founder of Shift-N-Gears, is on a mission to help 10,000 women become business owners through acquisition. After starting as a waitress at Cracker Barrel, Della worked her way up to owning and selling her own accounting firm. Now, she's teaching others how to achieve wealth, independence, and freedom by buying businesses that are already established and successful. In this episode, Della shares her insights on risk, funding, and deal sourcing and explains why acquisition entrepreneurship is one of the most underutilized paths to financial freedom, especially for women. In this episode, you will: How to scale and grow an acquired business Insights on sourcing deals and funding for acquisitions Why every business needs to go digital   Highlights: (00:00) Meet Della Kirkman (02:36) Why women are still behind in financial independence (05:43) The realities of buying a business (09:42) What buyers get wrong about acquisitions (11:17) Building an opportunity fund (14:21) Sourcing the right kind of deals (18:24) How to stand out to brokers and dealmakers (23:06) Inside Della's business buying bootcamp (28:51) Challenges in advising business buyers  (34:18) Why every business needs a digital component   Resources: For past guests, please visit https://www.defendersofbusinessvalue.com/   Follow Della: Connect on LinkedIn: https://www.linkedin.com/in/dellakirkmancpa/    Vote for Della at the 2025 Harbour Club M&A Awards: https://docs.google.com/forms/d/e/1FAIpQLSd5soMcyzgR8tzBqEil-2-JPk-GPfMp-W5bmvKqFSkL7uvkxg/viewform   Learn more about Della's company: Shift-N-Gears: https://www.shift-n-gears.com/    Follow Ed: Connect on LinkedIn: https://www.linkedin.com/in/edmysogland/ Instagram: https://www.instagram.com/defendersofbusinessvalue/ Facebook: https://www.facebook.com/bvdefenders

Paul Lajoie started as a CPA, spent years in corporate finance, then left the W-2 world after buying his first flooring business with his brother. That first acquisition replaced both his and his wife's income, but he learned hard lessons around working capital, cash flow timing, and not overanalyzing every deal. Across 15 acquisitions, his biggest lessons were to remove emotion and ego, avoid buying what you don't fully understand, live frugally to fund the next deal, and seek help from people who have done it before. Podcast Nuggies: * Bought first business with $45K down * Working capital nearly crushed them * Don't buy based on HOPE * Buy existing before starting from scratch * Cast a wide acquisition net - WHY?   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta.   The Exit Plan Book - https://amzn.to/4d74WPw Free Audio Book - The Exit Plan - https://www.youtube.com/watch?v=zYgD_1pks_8 BizBuyPro Website :BizBuyPro.com LInkedIn - https://www.linkedin.com/in/paul-lajoie-51513711/

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Welcome to another episode of the Building Your Money Machine Show, where I shake up everything you think you know about “your number” for financial freedom. You clicked on this episode because that $3 million, $5 million, $10 million figure has been bouncing around in your head, and let me tell you: you probably made it up! And no, that's not an insult — it just means you're playing by the wrong rulebook.Here's what most people get dead wrong: Bigger numbers do NOT equal bigger freedom. It's about designing the life you actually want, figuring out what that costs, and stacking your income to fill the gap (with way less pressure than you think). As a 30+ year CPA, entrepreneur, and money mentor who's built it all from scratch, burned it down, and built it again — I'm here to show you why $5 million (or even less) is more than enough for most people, in most places.If you're tired of chasing random numbers and ready to reclaim your financial peace, hit play. Let's get real about your money machine — no nonsense, all freedom.IN TODAY'S EPISODE, I BREAK DOWN:Why the real number you need comes from your vision, not spreadsheet folkloreHow the average retirement lifestyle costs way less than you think (with data to back it up)The secret to stacking your income sources so your portfolio only fills the real gapThe magic (and pain) of compounding: Why staying in the game beats chasing big numbersWhy having a margin of safety turns your plan from fragile to unshakableIf you're ready to stop losing sleep over an imaginary financial finish line, this episode is for you. Let's get your money working for you — not the other way around!RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

This is a Grave Talks CLASSIC EPISODE!Jill M. Jackson, known as the Mississippi Medium, has lived a life shaped by extraordinary spiritual experiences. Growing up in the Bible Belt, she began seeing spirits around the age of seven—an ability that left her both frightened and confused, especially when told by her preacher that her gifts were “evil.” For years, Jill hid her abilities, pursuing a conventional career as a CPA and Business Manager in Hollywood. But after several near-death experiences, she could no longer deny her soul's true calling.Today, Jill is a Psychic Medium, Spiritual Teacher, and published author dedicated to helping others awaken to their own gifts and life purpose. In her book Mississippi Medium, she shares unforgettable experiences from the spirit world, including visitations and messages from murder victims seeking justice.Today on The Grave Talks, Jill opens up about her journey, her mission, and the remarkable encounters that have defined her work with the other side.For more information, visit her website at jillmjackson.com.#TheGraveTalks #PsychicMedium #MississippiMedium #NearDeathExperience #Message From Beyond #Mediumship #TrueGhostStories #ParanormalPodcast #SpiritualAwakening #TalkingToTheDeadLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

This is a Grave Talks CLASSIC EPISODE! PART TWOJill M. Jackson, known as the Mississippi Medium, has lived a life shaped by extraordinary spiritual experiences. Growing up in the Bible Belt, she began seeing spirits around the age of seven—an ability that left her both frightened and confused, especially when told by her preacher that her gifts were “evil.” For years, Jill hid her abilities, pursuing a conventional career as a CPA and Business Manager in Hollywood. But after several near-death experiences, she could no longer deny her soul's true calling.Today, Jill is a Psychic Medium, Spiritual Teacher, and published author dedicated to helping others awaken to their own gifts and life purpose. In her book Mississippi Medium, she shares unforgettable experiences from the spirit world, including visitations and messages from murder victims seeking justice.Today on The Grave Talks, Jill opens up about her journey, her mission, and the remarkable encounters that have defined her work with the other side.For more information, visit her website at jillmjackson.com.#TheGraveTalks #PsychicMedium #MississippiMedium #NearDeathExperience #Message From Beyond #Mediumship #TrueGhostStories #ParanormalPodcast #SpiritualAwakening #TalkingToTheDeadLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access: