Podcasts about CPA

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:

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:

Smart, competent business owners tend to lose IQ points the second the conversation turns to their finances. Heidi DeCoux built something to fix exactly that. In this episode, Kelly sits down with Heidi, the founder of Cashflowy.AI to talk about why so many solopreneurs freeze around their numbers, the brutal co-founder situation Heidi had to fight her way out of before she could bring the tool to life (and the three lessons that saved her), and how an AI CFO named Clara is making "how much can I safely pay myself this month?" a question you can finally answer. If your books are a source of dread, this one's permission to stop being afraid. What's inside: Why understanding your numbers is the thing that actually sets you free The partnership red flags Heidi ignored, and what she'd do differently What makes bookkeeping built for one type of business so much smarter Where AI is about to take the entire accounting industry Timestamps 01:42 — From rural Minnesota to four businesses and three exits 03:14 — The unsolved pain she set out to fix: solopreneurs frozen around their numbers 04:47 — The co-founder she had to legally remove 05:33 — Three hard lessons (move slower, don't skimp on legal, understand the tech) 08:05 — The right co-founder, the test project, and divine timing 09:22 — Why your partner is the biggest defining factor of your success 10:01 — Kelly's own partnership lesson learned 10:52 — How Cashfowy.ai works and who it's built for 11:23 — Why QuickBooks, FreshBooks, and Wave miss the mark for solopreneurs 13:11 — One plan, $39/month, everything included 13:54 — Meet Clara, the built-in AI CFO 14:37 — From recordkeeping to real decision-making 15:52 — The dashboard features users love most (safe pay, tax estimator) 17:58 — Where the accounting industry is heading with AI 18:15 — AI tax returns and the future of the CPA 22:38 — How fast you can get set up (6 minutes, 33 seconds) Resources & Mentions Follow Heidi on Instagram: https://www.instagram.com/heididecoux/  Get your free trial at: https://cashflowy.ai/sales?via=kelly-roach  Register for Kelly's FREE AI for Sales training: https://accelerator.virtualbusinessschool.com/ai-for-sales-register 

What Every Time-Starved Entrepreneur Needs to Know About Using ChatGPT to Win at Social Media Marketing in 2026   Master ChatGPT for online entrepreneurship with conversion-focused tactics. In this episode, we reveal the exact AI entrepreneur prompt systems for social media captions, split-testing ad copy, and auditing conversion leaks—strategies busy parents are using to scale side gigs without agency fees. Learn the caption engineering framework, A/B testing methodology, and audit checklists that turn engagement into income in 2026. https://DarkHorseEntrepreneur.com Tracy explains how to use ChatGPT (including GPT-4o and 5o) and other AI models to scale social media marketing by rapidly generating and testing multiple caption hooks to boost first-hour engagement velocity, then extending AI use to full ad campaign architecture across platforms with native-format variations, systematic low-budget testing, and scaling winners while killing losers. It emphasizes that AI is a force multiplier, not a replacement, and warns that poor offers and weak funnels can't be fixed by AI—AI amplifies both good and bad strategy. A parallel "conversion audit" process is recommended, using tools like GA4 data analyzed in ChatGPT to identify high-quality traffic, CPA, and ROAS. The script argues the real competitive advantage is strategy and audience insight, and outlines monetization via productized services, SOPs, automation tools, and digital products, while cautioning against burnout from scaling too many systems instead of focusing on clarity and sustainable execution.   00:00 AI Social Media Promise 01:35 Algorithm Brutal Truth 02:13 Caption Engineering System 04:19 AI Powered Ad Testing 06:45 Avoid Scaling Mediocrity 08:09 Conversion Audit Loop 09:51 Strategy Beats AI 10:48 Clone Systems to Scale 12:23 Clarity Over More Systems 13:54 Final Leverage Takeaway  

Intuit's Q3 fiscal 2026 earnings call was packed with numbers, and with her co-hosts sitting this one out, Alicia goes through them one by one to explain what each actually signals for bookkeepers, accountants, and QuickBooks users. She breaks down the strength of QuickBooks Online and mid-market growth, the slowdown in Desktop and Mailchimp, AI already running at scale, the shift toward assisted tax, and what the August pricing and packaging changes mean for your clients. She also steps off-script to share why she thinks Intuit raised prices before users were ready, and previews the deeper episodes coming on pricing and the ProPartner program.Sponsors:Aqqrue - http://uqb.promo/aqqrueSTR Search - http://uqb.promo/str(00:00) - Welcome and Setup (01:25) - How to Read Earnings (02:49) - Companywide Results (05:09) - QuickBooks Segment Growth (08:15) - QBO Plans and Pricing (09:33) - Services Payments Payroll (12:14) - Desktop and Migration (13:18) - Mid Market Enterprise Push (15:02) - Mailchimp Reality Check (16:53) - AI at Scale (17:40) - August Pricing Shakeup (23:07) - Accountants as Customers (24:51) - Workforce Cuts and Margins (26:41) - TurboTax Trends (30:43) - Credit Karma Monetization (34:13) - Pro Tax and Wrap Up (35:58) - Training Course and Goodbye LINKSJuly 21 through October 8: HANDS-ON QUICKBOOKS TRAINING COURSE, http://royl.ws/HOT2026?affiliate=5393907Alicia's book on Amazon: http://royl.ws/conversion-bookWe 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 separates average sales leaders from the ones people actually want to follow? In this episode of Sales Lead Dog, Christopher Smith sits down with Joy Wilder Lybeer, Chief Revenue Officer at Source Advisors, for a conversation on sales leadership, team building, accountability, trust, and why servant leadership still wins in high-performance sales organizations. Joy shares the leadership lessons that shaped her career, from running retail banking teams to leading revenue organizations, and explains why the best leaders stay close to the work, stay honest with their teams, and never confuse authority with leadership. This episode also dives into CRM adoption, performance culture, identifying future leaders, and why helping people achieve their best is one of the most important jobs a sales leader can take on. What You'll Learn Why great sales leaders are tough on numbers but generous with people How trust and vulnerability shape high-performing sales teams Why some top performers should never become managers What Joy looks for when building a winning sales culture How to identify future sales leaders inside your team Why women in sales often need encouragement to step into leadership roles What breaks CRM adoption and how leaders can fix it Why servant leadership is still one of the strongest growth advantages in sales About Joy Wilder Lybeer Joy Wilder Lybeer is the Chief Revenue Officer at Source Advisors, a specialty tax advisory firm that helps businesses unlock tax credits and incentives through expert guidance and CPA partnerships. She is an experienced revenue leader with a background across strategy, marketing, banking, and executive sales leadership. Throughout her career, Joy has built high-performing teams, led large revenue organizations, and developed a leadership style centered on accountability, trust, and helping people reach their full potential. Connect with Joy Wilder Lybeer LinkedIn: https://www.linkedin.com/in/joywilderlybeer/ Learn more about Source Advisors: https://sourceadvisors.com/ About Sales Lead Dog Sales Lead Dog is hosted by Christopher Smith, CRM technology and sales process expert, and founder of Empellor CRM. Each episode features sales leaders who have separated themselves from the rest of the pack, sharing how they achieve success with their teams and their CRM strategy. Unless you are the lead dog, the view never changes. Connect and Learn More All episodes and show notes: https://empellorcrm.com/salesleaddog/ If this episode brought you value:

The 401-Level Financial Motive Behind Prior Auths and Pharma Rebate Contracting Imagine a cheaper, generic, or even clinically better drug that somehow ends up not on formulary at all, or stuck behind step edits and prior authorizations with a higher copay than the pricier brand sitting right next to it. In this solo episode, host Stacey Richter breaks down exactly how that happens, walking through a case study she calls Brand Number 2 versus the formulary's reigning Brand Darling to show how PBM and GPO rebate economics, not clinical need, often decide which drugs patients can access easily and which ones get thrown up against a wall of red tape. This is Episode 517 (EP517) of Relentless Health Value. WHAT YOU'LL LEARN ✅ How a high-volume Brand Darling generating billions in sales and huge aggregate rebates can keep a cheaper, generic, or more effective Brand Number 2 stuck on a nonpreferred tier, behind step edits and prior authorizations, regardless of price or efficacy ✅ Why a structural rebate cliff makes it nearly impossible for a new entrant to unseat an established Brand Darling on formulary, even if that new entrant offers a 99 percent rebate ✅ How rebate dollars a PBM or GPO wants to keep can be relabeled as a data fee, a service fee, or an admin fee, a dynamic also flagged by benefits consultant Robyn Tikia, letting a PBM still claim it passes along 100 percent of rebates ✅ Why a prior authorization is often used as a financial negotiating lever against a manufacturer's rebate offer rather than a clinical determination of whether a patient needs the drug ✅ How regulation such as the Inflation Reduction Act is compressing list prices and collapsing the rebate spread that the traditional contracting math depends on ✅ How GoodRx runs a reverse auction among PBMs to surface its advertised cash price, making coupon sites effectively a sales channel for the same PBMs that lock manufacturers into exclusive formulary contracts WHY THIS MATTERS As Stacey Richter lays it out, a PBM with a fiduciary duty to its shareholders has every financial incentive to double down on a high-volume Brand Darling and freeze out a cheaper or better Brand Number 2 with step edits and prior auths, whether or not that serves the patient stuck in the middle. As regulation compresses list prices and rebate spreads get less stable, more pharma manufacturers are deciding it is worth giving up access to large blocks of insured lives in order to control their own price directly through cash pay, patient assistance programs, or their own copay cards. It is not a clean alternative, since cash pay still runs through PBM-linked coupon platforms like GoodRx, but for some brands it is starting to look like the more controllable bet. === LINKS ===

Don't wait until the last minute to start tax planning. Mid-year is one of the best times for business owners to review their tax situation. Most business owners wait until year-end to ask, “How can I lower my tax bill?” But by then, some of the best opportunities are already gone. Instead of making proactive tax-saving moves, you're left doing damage control.In this episode, Mike walks through a simple mid-year tax checkup every small business owner should do before December. He covers how to review your income, estimate your tax liability, clean up your bookkeeping, evaluate your entity structure, plan retirement contributions, think through major purchases, and identify tax strategies you still have time to implement before year-end.

 In this episode, I break down the real difference between a compliance CPA and a tax strategist, and why that gap could be costing your business six figures a year. We cover three real case studies of business owners who lost tens of thousands of dollars because their CPA did the bare minimum, the three pillars that separate a preparer from a strategist, and the exact questions you should ask to find out if you're getting strategy or just compliance. If you're a business owner or real estate investor who's tired of vague tax advice, this one's for you. Next Steps:

In Episode 370 of The Real Jason Duncan Podcast, Jason delivers the truth that most high earners aren't ready to hear at the halfway point of the year. You hit a number or you missed one. Either way, you're probably telling yourself the same story. That the next milestone is where life actually starts. That the next zero buys the freedom. That the next deal closes the gap between the life you're living and the life you keep promising yourself you'll get to. That story is a lie. And it might be the most expensive one you'll ever believe. In this solo Wednesday episode drawn from his What's Real newsletter, Jason exposes the money-equals-freedom myth for the golden cage it is — what the research actually shows about income and happiness past a certain point, what the guy with the jet and the Lambo and the real estate in 15 states is actually living inside, and what a real balance sheet looks like when a CPA isn't the one writing it. In this episode, Jason covers: Why the next milestone is never where life actually starts — and why you keep believing it anyway What half a century of research on income and happiness actually shows — and where the gains stop The honest balance sheet Jason would write for himself — and why it has nothing to do with what's on his financial statements What the guy with a tenth of a billion dollars in the bank is actually living inside Why money fixes real problems up to a point — and what it can never buy past that point The three questions worth sitting with before Q3 starts What King Solomon said about wearing yourself out chasing wealth — and why it's the most practical financial advice ever written The one thing to change this week so your money buys a day instead of a thing More money doesn't buy freedom. Most of it buys a bigger cage. This episode will show you where the bars are.

I've made over $6M in six years with a $3M net worth. Do the math on those two numbers and you'll understand why I can talk about money the way I do, because hello, those margins are unheard of in this space.I'm not a CPA or a financial advisor, but I am someone who built a 7-figure business from scratch, kept an obscene amount of what I made, and learned exactly what separates people who make good money from people who actually keep it.The difference is smaller than you think. —Watch a short video on how to make at least $20k online in your coaching business, or we'll coach you for free. https://audit.impactcoachacademy.com/Connect with Taeler on Instagram. https://www.instagram.comLearn more about Impact Fitness Coaching Academy, and how we've helped 5,035 coaches scale to 6 and 7-figures online and generate $330M in revenue. https://www.impactcoachacademy.com/home Want more proof our methods work? https://www.trustpilot.com/review/impactcoachacademy.com

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureFreeAssessment11 rapid-fire spitballs today from Joe Anderson, CFP®, and Big Al Clopine, CPA, on Your Money, Your Wealth® podcast number 587, on everything from Roth conversions and RMDs to whether a guy named Wayne can finally treat himself to a seventy-five-thousand-dollar Audi. Aaron in Syracuse just hit a million bucks in his 401(k) and realizes he needs a spitball on keeping his RMDs low. Do new Roth conversions restart the 5-year clock? 72-year-old Mike in Texas wants to know. Marion inherited a not-yet-five-year-old Roth, and an IRMAA problem along with it. Lu and Stephen each argue that the fellas' conversion and retirement spitball math might be misleading. Teachers Tony and his wife have pensions that cover everything, so should they even keep saving? John and Peggy need a retirement spitball, Rajesh wonders if he should pay off his mortgage or convert to Roth, and Mike in San Marcos asks about funding a Roth with pension money.Free Financial Resources in This Episode: https://bit.ly/ymyw-587 (full show notes & episode transcript)Retirement Accounts Guide - free download:https://purefinancial.com/white-papers/retirement-accounts-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-accounts-guide&utm_content=ymyw-pod-ep587-description-whitepaper401(k) vs. IRA vs. Equity Compensation: The Real Math - YMYW TV:https://purefinancial.com/ymyw/episodes/recipe-for-retirement-retirement-plans-explained/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep587-description-tv-s10e12Financial Blueprint (free, self-guided):https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep587-description-blueprintREQUEST 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 Podcast01:32 - $1.1 Million in My 401(k) at 56: Should I Do Roth Conversions Before RMDs Hit? (Aaron, Syracuse, NY04:51 - Can You Fund a Roth IRA With Pension Money? (Mike, San Marcos, CA)06:14 - Can You Roll an UTMA Into a 529 for Tax-Free Education Savings? (Bob the Builder, Westchester, NY)10:29 - I'm 72 With a 25-Year-Old Roth. Do New Conversions Trigger the 5-Year Clock for Roth Withdrawals? (Mike, TX)11:43 - Inherited a Roth Less Than 5 Years Old: Are the Earnings Taxable? Can IRMAA Be Avoided? (Marion)15:59 - You Ignore Future Income! How to Spitball Spending When a Pension and Social Security Are Coming (Stephen)21:02 - Are Your Roth Conversion Calculations Misleading? Why Future RMDs Need an Inflation Check (Lu)24:57 - We're Teachers With Pensions That Cover Everything. Should We Stop Saving and Fund the 529s? (Tony, NY28:23 - $4 Million and Ready to Exit the Rat Race at 61. Do the Numbers Work? (John and Peggy, San Jose, CA34:37 - $4 Million 401(k) and a 6.5% Rental Mortgage: Pay It Off or Convert to Roth? (Rajesh)38:42 - We're 62 With $1 Million. Can I Finally Buy the $75K Audi, or Should I Lease? (Wayne, Long Beach, NY)43:17 - Outro: Next Week on the YMYW Podcast

Tiff and Dana address one of the most popular topics for Dental A-Team consultants: overhead! They talk about what it entails, where to start when looking to reduce it, critical questions to ask yourself about needs versus wants, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiff (00:00) Hello, Dental A Team listeners. Thank you for being here with us today. Thank you for listening. We say this every time, but we love what we do and we love bringing you so much valuable information. And the fact that Kiera can do all the podcasts she does blows my mind. ⁓ but she is a busy bee over there, and the fact that we get to do these as well is just really, really fun for us. It allows all of the consultants here on our team to really feel like we're giving back to you guys. So with that, I have Dana here with me today, and   Dana, gosh, we have been podcasting together for a really long time. I can't even put a number to it. And I remember, I don't know if you remember, but I remember I remember where I was sitting. I remember the thought process. And I remember it was me, you and Britt on a call on a Zoom link. And it was the first time marketing had said we want to do video with the podcast. And I was like, what? And video like was not, it was just like up and coming.   I didn't understand it. It was on Instagram. I was watching I was like, why am I watching you talk? Like the a podcast is to listen. Why am I watching you talk? And now I mean it's very normal and that's how I watch them. And I feel like I feel like it was like YouTube came back around, you know. But anyways, I remember that day vividly. ⁓ I don't remember what we were talking about, but I remember being like, I have to like do my hair. I'm gonna be seen.   DAT-Dana (01:23) Yeah. Yeah. I know it was   funny because we always could see each other, right, in those early days, but it was just like we weren't creating the video content for it. And I remember thinking exactly like who's gonna want to watch   Tiff (01:33) Yes.   DAT-Dana (01:35) us who's gonna want to watch us do this thing but then I see my kids literally like watching people play Minecraft and it's like their favorite thing and I'm like wouldn't it be more fun to actually go play? So I do feel like there is definitely this like niche of people like wanting to watch and like you know get a glimpse in of like the podcast world and just different worlds in general and so I agree with you. I remember the three of us just kind of being like who's gonna want to watch us talk to each other but hey we're so glad you're here.   Tiff (01:37) Yeah.   Yes.   It's true.   Yeah.   DAT-Dana (02:05) Yeah.   Tiff (02:06) Yes, I agree. And the three fur podcasts are hard. So hard when there's so many people virtually. And yeah, I r I remember the shock. I wish I could remember what the ⁓ podcast actually it was probably I bet you it was probably one that we did for Kiera. We probably it bosses day or something, yeah, 'cause if there are multiple of us. Anyways, that was that popped into my head this morning as I I always have to now have like prep for podcast time so I can like   DAT-Dana (02:12) Yeah.   Like Boss's Day or something like that. Yeah.   Tiff (02:35) just tame my hair or get my ring light just right. And I'm like, gosh, I remember the days that we did not have to do this. And then we have c new to Dental A Team consultants come on and I'm like, we're gonna podcast. And they're like stressed and I'm like, I get it. I just I get it. I saw them go talk yourself in the mirror for a bit first. You'll get used to it.   DAT-Dana (02:50) Yeah. Yeah.   I know   I remember in the early days I would always have to reframe my podcast because I'd see podcasting on my schedule and I'm like, ⁓ like I gotta get on. So then I just started reframing it. It was like time with Tiff, time with Britt, time with Kiera. And it's how I like kind of learn get over the like of the podcasting space. So I totally feel it when new consultants are like, I have my first podcast today.   Tiff (03:12) I love that.   Yeah,   yeah, and they all come to you, right? 'Cause I'll all schedule it and then they're like, Dana, what do I do? That's so cute. Yeah. I love the reframe. That actually like goes I think hand in hand with what we're talking about today. ⁓ but I think you can do that with anything and I have to remind myself, even like gosh, when I get up in the morning, I got up this morning and I went from for my walk and I was like, ⁓ this sucks and I was like, No, you get to be in the morning sun.   You get to move your body before anybody else in the house is awake. Like I think that's the part that's the hardest is like everybody else gets to sleep, you know? But you that reframe is so powerful. And we can look at a schedule and think I I look at my schedule and I'm like, shoot. This is so busy. Or gosh, I'm I'm like   So long today, and I have to reframe it often and be like, gosh, no, actually I get to do something really cool. And I get to wake up and go for a walk and I get to do these things or I get to go to an office and I get to be boots on the ground with other people. So I love that you mentioned that reframe, Dana. That was really smart. So today's reframe, which I love, I think this is one of the most popular conversations that we have. We get a couple of things here at Dental A Team. ⁓   We love everything that we get, but the most common, most popular things are systems, which we will help you with systems, I promise you. And there are thousands of podcasts I think that just Dana and I have done on systems and operations manual. So go look them up. We're not doing that today. And the second, which I actually really have grown to truly love, ⁓ is overhead cost reduction and and overhead analysis. And so many practice owners and leaders come to us and they're like, gosh.   what does overhead even mean? I know I had a conversation with a client last week that has been in the dental like consulting world for years and years and years. And w his question was what does that even what does it mean? Like overhead can mean so many different things to so many different people and so many different consulting companies. And for the sake of today's conversation and the sake of forever with Dental A Team know that when we say overhead, we are talking about top of the line   Whatever I always say if someone were to purchase your practice, what are the expenses they'd be taking over? Anything outside of that, your pay, your taxes, your debt, your debt will follow you typically, right? You can lump it into the loan, ⁓ but it's not overhead top of the line expense. So your debt, meaning your scanners, ⁓ your school debt, anything like that is outside of quote unquote overhead. So when we talk about overhead, it's top of the line and that had to that that   explanation, I think it can just vary. It can vary depending on who you're talking to. So today we wanted to reframe that, Dana Go. No, I love it.   DAT-Dana (06:08) and I don't want to interrupt you, but I think too just   just to be clear on overhead too, anything that you run through the business, right? Again, that's not something absolutely with your CPA, you structure it how you want. But understand that that's not an expense that somebody is going to take on when they take over the bracket.   Tiff (06:25) Yes, I love that. Thank you. Good clarification. so with this kind of reframe, every everybody's like reduce overhead, reduce overhead. And I totally agree. And a lot of a lot of companies, a lot of people, ⁓ a lot of strategists will come in and they're like, okay, what can we cut? And we for sure, like, we'll come in and look at what if there's space to make cuts, but our biggest piece is always we're not gonna spend a lot of time on it today because we've got a million other podcasts about it.   I think I just did one actually with Kristy not that long ago, but the first place we're gonna look is your collections. A lot of people will say, I need to over I need to produce. And I love the statement, you can't outproduce your problems. So if you're producing, producing, producing, producing, but you're still feeling like there's an issue. And if you're meeting the financial, like you're meeting your goal, your production goal, but you're still cash flow short, then there's an issue in your collections. And so look at your collections and Dana.   I would love to hear quick snippet, what are the areas that you tackle when it comes to overhead and it comes to collections? And then I want to talk about the reframes and the other pieces.   DAT-Dana (07:33) Yeah, so you're exactly right. The first thing I'm gonna look at is the collections number. I'll look at the total, like what is the total percentage and like what profit point do we need to get to when it comes to collections? And then the very next thing I'm gonna look at is your AR because honestly and truly I've been able to get practices out of cash flow crisis, out of really feeling that pinch simply by going after already produced   ⁓ monies. And so I think that those are usually the things that I look at. Okay, what are we collecting? What does our profit point need to be for healthy AR?   Right. And and obviously we're gonna talk about is that possible? How do we get your schedule to get you there? But then the very next thing I'm gonna look at is AR. Is there money that I can just quickly tackle that's already been produced that's gonna help the collections problem? So I'm looking at the total collections, collections percentage, and then what's sitting in AR, because if I can tackle that and make a really quick difference, ⁓ sure, we can budget things, we can line item your PL, we can we can chop where we need to, but those things are often the fastest, easiest, quickest fixes.   and like you said, you like outproducing the problem. If I can fix AR and then we can create systems that it doesn't happen again, oftentimes we don't even have to really touch production, right? Because we're already producing pretty well in a lot of these cases. So those are that's kind of where I start.   Tiff (08:46) Yeah.   Yeah, I love that. And it's something that makes such a massive difference. Knowing one, knowing your numbers, knowing what your numbers mean. So knowing your overhead, knowing your outgoing expenses is massive. And then looking to see, okay, well, if these are my outgoing expenses, what do I need to collect in order to profit? Right. And then if we're not collecting that, is it because production isn't where it needs to be? So what's our what's our bare minimum?   And is collections meeting that or is production meeting that so that collections can meet our bare minimum. If production is or is way above and our collections is just tanked, like I saw somebody the other day that was like 83% collections. They're like, we gotta produce more. And I Yeah, absolutely. If we want to maintain 83% collections and get your overhead in line, you for sure have to produce more. But also we can tackle your collections and get your collections up to that ninety-eight percent that it should be or above, and really not have to work   you harder as the provider work our numbers harder and get that collections up. It also kind of flows into Dana, I think the capacity that we just recorded a podcast. So probably the podcast ahead of this one I would assume is is about capacity. And I think that capacity conversation flows into this one really, really well. So all right, collections.   Go do it. We will harp on that for days, but go do it. If you need help with it, you're not sure, you don't know how to analyze it, you need help with your numbers, Hello@TheDentalATeam.com. We are honestly and truly here to help you. We will provide you as much information as we possibly can to get you on the right track. Now, something else that we like to do within that, and we talked about this on capacity, we talked about analyzing ⁓ fee schedules, right? But then we also need to analyze expenses. So when we're really looking at things and we're saying, okay.   Great, this is my overhead. I like to think, okay, does it have to be my overhead though? So a lot of people will look at staff cost, the employee cost. I actually I look at it, I kind of glaze that, you guys. I don't, I don't like to touch the staff cost unless it absolutely is extraordinary and there's maybe team members that are taking advantage or you're feeling like there's something culturally wrong in your practice, then I'm gonna say, okay, great.   Let's really take a look at this and make sure that we're being efficient with our time. We're not in overtime. We're not in those spaces. But I'm gonna kind of glaze at that unless there's a red flag somewhere else. And then I'm gonna look at those other expenses as well. And something that I really love to do is to analyze what do we need versus what we have. It reminds me of when Brody was little, we'd go to the store and he'd be like, Mom, is this a want or a need? Is it on your list? Is you have are you getting it because you just want it and it sounds exciting?   Or do we actually need this? And Dana, I love the conversation that you have around. I'm gonna say like analyze your vendors, analyze your contracts with vendors, but I love the conversation around ⁓ the wants versus needs when it comes to scanners, when it comes to mills. And I love I I miss the conversation actually. I miss the conversation of negotiate with your labs. And I miss that conversation because   I think that the mill has become such a bandwagon thing. It's been around for so long and it's such a bandwagon thing that everybody's that jumped into. But I love your your like evaluation of is it necessary? Is it actually going to save us the time and the money and get us the results that we want? And I would love, Dana, for you to talk through some of that and how you help your clients decide. Because I'm not against the mill, I'm not for it. I'm for it for the practices that it works.   And I'm for making sure that it's going to work and it's gonna do its due diligence. So what how is that conversation for you, Dana, when you talk to your practices about it   DAT-Dana (12:44) Yes. I love this conversation too, too. I   think first and foremost, I always want to know when when somebody wants to purchase something big like that. So whether it's a new scanner or whether it's a mill, like why.   Why do we want to purchase it? Is it because we have a scanner that we constantly use and we're constantly pulling and we never have it in the like appointment times that we need? So then we need to talk about adding another scanner. Is it that like we need another tool to show patients, but like could we just do IOPs a little bit more until we've got the budget set for the scanner? I'm not saying no to scanners. I'm not saying no to mills. I'm just saying, why do we want it? Is it the right time and is it going to do what you anticipate it's going to do as far as your budget goes?   Because I think we can talk about scanners and what's going to add so much more to my production. Okay, well, it is, but when are we going to use it? How often are we going to use it? Who's going to use it? How are we mapping it out to make sure that it really is putting more production on your schedule and it really is reducing your lab fees? Right. Scanner is a great tool for negotiating with a lab, but are you going to do that? Are you going to do the negotiations? Are you going to send them enough work to make it worth having the scanner?   Same thing with the mill. I'm always asking like why, right? And I know that kind of the mill is the hot spot or the mill is like the next big thing. And I think sometimes, you know, I hear a lot from doctors, well, it's gonna buy me back a lot of time. Well, it's only gonna buy you back time if you're going to let your assistant, right, help design and do the actual milling. If you're not gonna let that happen, then we're actually using more of your time than and sometimes it's not will you let them, it's do you have the capacity within your assistant team right now to be able to allow them.   Tiff (14:07) Yeah.   Mm-hmm.   DAT-Dana (14:21) to do those things because maybe we're short staffed in that area or maybe assistants are really hard to find. Well then maybe now's not the time to bring on the mill because it's actually going to use more of your time versus less of your time. And then you know all of these purchases typically come with either a large payout, right? Or a decent size loan that we're paying every single month. And so I like to kind of reverse engineer with my practices so they know cold hard facts how many crowns they have to do every single month.   to make that loan payment worth it or make that payout out of their emergency fund or their growth fund or wherever they're pulling that funds from. Hopefully not their emergency funds, but sometimes right, doctors get wild on us and it feels like an emergency to get that.   Mill. So knowing exactly how many crowns you have to do every single month. And then I'm saying, okay, let's go back through the last year. Let's see, did we even do as many? Because if we didn't do as many, then now's not the time. Let's get to that many crowns every single month, then take a look at the mill. Because so often we think, hey, the mill is going to save me on lab fees, but you have to do so many of them for it to save you on lab fees. And again, I'm not pro mill. I'm not like I'm neutral when it comes to mill. I think it's a great tool, but it's not the best tool for every   Tiff (15:25) Yeah.   Mm-hmm.   DAT-Dana (15:35) practice at that exact time. I think you really have to look   At and crunch things when you decide to make those purchases and really look at it as is it truly going to give your time back? Is it truly going to give you your lab fees back? Is it truly going to up your patient experience or up your diagnosis or whatever it is? Because that is when it makes it worth it. So I just like to like have the conversation, review the numbers together, and kind of say, hey, like this is the reality of the purchase. I, you know, I am.   Totally understand the like purchase in the feels, right? I get that. I've done it. I'm human. I think we've all been like, but this is gonna feel so good when I have it. But I think look at the numbers and make sure because these things can really hit your these these debt services can really hit your profit points if it's not set up correctly and you don't know kind of the benchmarks you have to hit to make it help with profit versus hurt.   Tiff (16:11) Yeah.   Yeah.   Absolutely. I think it's so beautiful. And a follow-up to that too is if you already have the mill, you already have the scanner, you already made the purchase or the laser, Dana, as you were talking, I was like, the lasers, the lasers. There's so many there's just so many really cool tools that dentistry has that makes us feel like we've got to jump on it to be the most progressive, to be the most exciting, to stay up with the times, to to not fall behind. And really they're just fun and exciting. It's like   ⁓ Canva and you know we only had Photoshop and then Canva came out and then we had, you know, all of these different opportunities. And it it can be easy to jump on board with them. So if we already have jumped on board, we didn't have this conversation, or maybe we did, and then gosh, we're just falling a little bit short. This is the overhead analysis as well. This all flows into that overhead analysis. So as you're looking at your overhead and you see those   those loans under on you have your bottom you have your top line and you have a bottom line. And at your bottom line, when you see those other loans in there and you're like, gosh, Def, Dana, I just I'm not using the scanner as much as I thought I did. I know both of us have I all of our consultants are really, really fantastic at having conversations like this that say, okay, great, why? Dana, you said something earlier, you said it asking more questions, right? Like I want to know, I want to know why you want it.   what it's gonna do for your practice and then reverse engineer it. And we are really great at pulling out the why for anything. So if you're not, if you bought it and you're not using it, we're gonna say, well, why aren't we using it? Is it because it's not the tool that we needed or we wanted and or we don't have the patient base for it or is it because we're not trained, we're not holding accountabilities. And ultimately, if this thing isn't working for your practice, it's not doing what you wanted it to or gosh, you just hate it. You don't like it. You don't want to use it.   This is a conversation with the company that you can have. You can call the company and say, Hey, what can I do? How can I how can I get out of this? I've had ⁓ I've had doctors that have had this conversation with them and they do have like a smaller buyout, right? They're like, Well, we'll buy it back from you, but you're gonna it's kind of like taking a car in and you you're you know, you're under.   So you you owe a little bit more on your car and then you owe on the car that you're buying. So it kind of sucks because you do have to pay that out, but could getting out of that contract early, sending the equipment back, save you in the long run because you haven't paid that total balance. Or a lot of doctors will call and they're like, yeah, absolutely. I have a doctor actually who's looking for one that might buy it from you.   And so you can you can sell this equipment as well if it's not working for you. So I don't ever want doctors to really just feel so stuck in the decisions that either they've made or that they want to make and you have that kind of decision paralysis. So as we're going through that looking at ⁓ cost control and overhead control.   Part of the conversation as well. So there's the projecting side and really looking at do I do I need this? What can it do? And then there's the evaluation side of is this working for me? And Dana, I think that same conversation when it comes to like marketing. Are is my marketing ROI coming in? Is it getting me what I what I thought it was going to? There's magazines investments, there's all of these like hottie-totty ⁓ marketing efforts that are coming around right now. They're trying to like really reinvent a lot of wheels.   And projecting and seeing, does this fit my avatar? Is this gonna work? Gosh, your telephone company, I know our like cable and internet. We don't even have cable, but it's the same company, right? And I'm like, why are we paying for cable and internet? And it just jumped like $90. And I'm like, what the heck? It's a call and a conversation with your vendors and looking at, okay, am I getting the most value for what I'm spending? And that I think Dana helps us to calm the storm.   Because what happens typically is we're like, okay, I gotta produce more in order to afford my life. And it's just like personal, right? I gotta work more in order to afford the lifestyle that I want. Well, maybe the lifestyle that you want can be had with less debt or less stuff, you know, and really evaluating your quote unquote lifestyle in the practice and out.   DAT-Dana (20:43) Yeah, I agree with you because like dental offices, do we have to spend money? Do we have expenses? Yes, absolutely. Let's make sure those expenses are doing what we need them to do and and we have an ROI on those expenses. And I do feel like just doctors highlighting like, don't forget those bottom of the line things because oftentimes it's like, hey, my payroll's in line, my rent's in line, my marketing is in line, everything's in line, but I don't have any profit at the end of the month. And I think don't forget to take a look at oftentimes I think there's an impression of doctors that like those below the   aligned things are like fixed expenses and oftentimes they are variable expenses that we can do something about it. We can make changes like you said, sell it or start using it, right? Or incorporating a way for it to help us produce or collect more. I think just don't forget those bottom of the line things and don't look at them as hey, those are fixed things, right? A lot of times those items aren't. We can either move the needle as far as using them or move the needle as far as offloading them.   Tiff (21:15) Uh-huh.   Yes.   DAT-Dana (21:42) Right. I just had a conversation with the practice. Like, why do we have two scanners? Right. Like, why do we need them? Walk me through it. If if you can walk me through why and it makes sense, totally keep your scanners, utilize them, have it help you. Right. But if we don't need them, then let's not have that sit there every month and pull from that profit that you so desperately need.   Tiff (21:45) Mm-hmm.   Yeah, I love that conversation and I think it's something that's a piece of value that the consulting team brings to our clients that I think is totally undervalued. I know I have clients that are like, Teff, I wanna buy this thing. And I'm like, Okay, cool. Like, tell me why. How are we gonna afford it? Great. I have a doctor that was like, I like this scanner better, but I bought this scanner before I knew that this scanner was better. And I was like, Awesome. Well it sounds you want that scanner. He's like, Yeah, I'm gonna get it. And I said, Cool, what are you gonna do with that scanner that you don't like?   Because that one is still being paid on. It's still in your office. And he's like, okay. So it's like we have this innate ability, right, to see things very, very cleanly. I had a conversation just last week with a client that was like, Tiff, what do I do? And it was like a personnel thing, right? I said, Listen, my job and the and the superpower that I have for you is to be very black and white in business. I'm not emotionally attached to what's going on in the practice. I I love you, I love the practice, I love the team.   And I I have emotions towards you, but I'm able to separate it out and say, hey, do this, don't do this, or these are the black and white opinions that I see. These are the pros and the cons that I can see. I'm not emotionally attached to one scanner is better than the other. I'm emotional, I'm not emotionally attached to the money that's coming in or going out. I am neutral and I'm able to say it is or it isn't. And so that value, that ROI is not always really easy to see.   in the numbers until you look backwards and say, gosh, actually I sold that scanner because of or I didn't buy that and gosh, I'm so happy. Or I was able to invest in my team because I could see my shortcomings or my accountability faults or the accountability that Dana was able to give me so that I could give my team like those spaces are just so   valuable in this overhead analysis is huge. And I know you and I do it often. I know the rest of the consulting team does. Gosh, Kristy, Kiera likes to say she's like a truffle hunting ⁓ little, you know, little piggy out there finding the dollars. And that's how she does it as well. And Nikki and Pam and all of you know, Diana, every one of us are out there looking for those dollars from that black and white kind of business mindset because it's easier for us as a pulled out   Peace, right? And Dana, I just think that is a space that doctors, I can't imagine making those kinds of decisions by myself, right? Even just as simple as purchasing a mill. Like because it's so it's like walk walking into Louis Vuitton with a credit card with no limits and expecting me to not leave with a purse, right? Because in my head it's paid for, it's done, it's it's good.   But then on the flip side, I've got expenses and other things and they've always got just gotta have that person who can be that sound mind.   DAT-Dana (24:58) Yeah. Yep. I agree with you.   Tiff (25:00) All right, Dana, so overhead cost analysis. ⁓ I would say, and I think Dana, add anything you can think of. My pro thought process is figure out your bottom line first of all. Figure out what are your costs, your fixed costs that aren't changing. If someone were to purchase your practice, then then look at what's left over. How much debt do you have? what do you want to be making? Are you paying yourself and are you paying yourself what you want to be making?   And are you saving money? So what do those buckets look like? That to me is your is your bare minimum. You have your bare minimum of this is what it takes to keep my practice open and my employees paid. And then you have your bare minimum of this is what I want my practice to look like. So I like to add that fluff in there. I know Dana does as well. We have our bare minimum and then we have our bare minimum. And our our second bare minimum is the number that I work from ⁓ and tack on a little bit extra. So overhead analysis, look at what your numbers are, look at what your   DAT-Dana (25:46) How many? Yeah.   Tiff (25:55) Collecting, always look at collections and then look at what your debt looks like and look at what your spending is. Is there anywhere in there that can be negotiated? Is there anywhere in there that maybe we need to start using a tool a little bit more to get it paid, paying for itself? Just like you want your team to pay for themselves, you want your equipment to pay for themselves as well. Dana, is there anything you can think of that I missed that I didn't add in there as an action item that they can scurry on home to do?   DAT-Dana (26:24) No, I think I think that those are great tools for them to really be able to slice and dice and look at those pieces.   Tiff (26:31) Awesome. All right, guys, go do the thing. Pull up your PLs, pull up month by month, pull up year to date, pull up last year's, and look at what your expenses truly are. And when you get to the point that you want some third-party perspective, some eyes on it, if you're a current client, you should be doing this with your consultant too. So do it. I want you to know how to do it and I want you to do it with your consultant as well. If you're not yet a consultant, you're ⁓ someone who is a listener and you want you're not a consultant, you're not a client.   You're a listener and you want help with this, please reach out. Hello@TheDentalATeam.com There's also a link on our website, TheDentalATeam.com, that you can schedule a consult with us and they'll help you run through a lot of that information as well. We are here to help. So let us know how we can best serve you and how we can help you in the short and the long run. Hello@TheDentalATeam.com. All right, guys, and we will catch you next time. Thanks so much.  

What happens when ADHD, relationships, and divorce collide?In this episode of The D Shift, Strategic Divorce Consultant and High-Conflict Divorce Coach Mardi Winder sits down with ADHD coach and executive leadership expert Leanne Gawley to discuss how neurodivergence, particularly ADHD, can affect relationships, communication, organization, and the divorce process. Leanne shares her personal journey of being diagnosed later in life after her son was identified as having ADHD, and how that discovery transformed both her understanding of herself and the work she does today.They explore why ADHD often presents differently in women than in men, why so many women go undiagnosed for years, and how common challenges such as overwhelm, time blindness, anxiety, emotional sensitivity, and organization can become even more pronounced during periods of major life transition.Leanne offers practical strategies for managing the demands of divorce, including gathering documentation, working effectively with attorneys and professionals, breaking overwhelming tasks into manageable steps, and creating systems that work with your brain rather than against it.This conversation is valuable whether you have been diagnosed with ADHD, suspect you may be neurodivergent, or simply find yourself struggling with overwhelm during difficult life transitions. Most importantly, Leanne reminds us that we are not alone, and that understanding how our brains work can be one of the most powerful tools for moving forward with greater confidence and self-compassion.Mardi and Leanne explore:• Why ADHD often looks different in women than in men• The connection between ADHD, anxiety, and overwhelm• How neurodivergence can impact relationships and communication• Strategies for managing time blindness and procrastination• How to work more effectively with attorneys and divorce professionals• The importance of self-compassion during major life transitions• Why community and support matter when navigating divorce and ADHDAbout the Guest:Leanne Gawley is the founder of The ADHD Advantage with Leanne Gawley, a Calgary-based coaching practice serving women in leadership and neurodivergent professionals and families. A former C-Suite finance executive and late-diagnosed woman with ADHD, Leanne knows firsthand how an ADHD brain can quietly complicate the things that look simple on paper: staying on top of deadlines, keeping files organized, and communicating clearly when emotions are running high. She brings her lived experience alongside her CPA, MBA, and ICF ACC credentials to help clients build systems that actually work for their brains, not against them.Leanne is also a Canadian Certified Inclusion Professional with deep roots in neurodiversity advocacy and workplace inclusion. She coaches virtually worldwide and is currently writing her first book, Brilliant and Wired Differently: The ADHD Advantage.For Leanne's gift: https://adhd.leannegawley.ca/To connect:website: www.leannegawley.caLinkedin: www.linkedin.com/in/lgawley/Instagram: @leanne.gawleyAbout the HostMardi Winder is a Strategic Divorce Consultant and High-Conflict Divorce Coach who helps high-achieving individuals navigate divorce with clarity, confidence, and control. Drawing on more than 30 years of experience in mediation, divorce coaching, and conflict resolution, she supports clients in making smart decisions while reducing emotional and financial fallout, particularly in high-conflict, high-asset, and complex divorces. Mardi is the founder of Positive Communication Systems, LLC, and the Strategic Divorce Directory, LLC.For Mardi's gift: The Resilience Building Blueprint: A 28-Day Journey To A Stronger You https://www.divorcecoach4women.com/rbbConnect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/YouTube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave an Apple Podcast ReviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.

The $1.4M Pricing Gap Most Owners Never Find with Emily Bowie   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com Make more, work less video: https://youtu.be/   You pull up the P&L at the end of the month. Profit looks fine. Revenue is up. And you still moved money around to cover payroll. You're not mismanaging your business. You're making decisions off an incomplete report, and nobody told you what it was missing. Emily Bowie spent years auditing companies inside Big Four accounting before she started helping business owners see past the P&L. What she finds most often isn't bad decisions. It's good decisions made without the right numbers. Pricing set without overhead accounted for. Subscriptions compounding unnoticed for years. Tax strategy that arrived in December, too late to do anything that actually mattered.   In This Episode: Why the P&L leaves out some of the most important cash movements in your business The $1.4M pricing gap one owner never knew was costing him, and how Emily found it How to run a quarterly expense audit and what it reliably turns up Why your bookkeeper, CPA, and CFO need to talk to each other, not through you The real cash cost of the "go buy something for the tax deduction" advice What Profit First actually protects you from beyond just saving money Why personal financial stability determines how clearly you can think about your business   Key Takeaways: Your P&L does not show loan principal payments or balance sheet movements. Cash flow visibility requires a different lens. Pricing without overhead math costs real money on every invoice. One client had $1.4M in recoverable margin sitting uncaptured in a single year. Quarterly expense audits surface subscriptions you've forgotten, monthly plans that cost more than annual options, and tools you stopped using that are still billing. If you are the only person relaying information between your bookkeeper, CPA, and CFO, things are getting lost in translation. They need to talk to each other directly. A year-end "buy something" tax move often costs three to four times the tax saved in cash drag over the following months.   About Emily Bowie: Emily Bowie is a Cash Flow Strategist with 15+ years of experience, including her time as an audit manager in Big Four accounting. She's known for bringing calm, clarity, and structure to financial conversations that often feel stressful or avoided. Outside of Thorne Advisors, Emily leads her church's financial ministry, is a mom to three young kids, and enjoys a good DIY project almost as much as a well-organized set of financials.   Links: Website: https://www.thorneadvisors.com/   Instagram: https://www.instagram.com/thorneadvisors/   Freebie: 5 Cash Leaks & 5 Missed Tax Deductions: https://www.thorneadvisors.com/cashleaks     Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.     

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Welcome to the Building Your Money Machine Show! In this episode, we're getting brutally honest about one of the most important tools in your wealth-building arsenal — your 401(k). After three decades as a CPA, I've sat across from every type of earner you can imagine. High rollers living paycheck to paycheck and modest folks with six-figure balances—I've seen it all. And you know what? How you use your 401(k) says a whole lot about what your future's really going to look like.Today, I'm breaking down the five types of 401(k) holders. Yep, you're one of them (and if you're brave enough to find out which, hit play). Spoiler alert: it's not about hitting some magic number. It's about building a life on your terms, with financial stress in your rearview mirror.This is money mastery without the shame, fluff, or fancy jargon — just real talk about what it takes to get your money machine running in the direction that actually matters to you.IN THIS EPISODE, I COVER:Why building wealth isn't about the number — it's about the life you actually wantThe 5 types of 401(k) holders (and how to know which one you are, no judgment)The single move that could be costing you thousands in free money every yearHow your identity and behaviors around money shape your financial future — way more than your paycheckBreaking out of autopilot and reclaiming control (no more financial sleepwalking!)Ready to find out which 401(k) driver you are — and how to actually use your money machine to fuel the life you want? Hit play, subscribe, and join me on the journey to financial freedom, my friend!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 CONSTRAINT SCORE DIAGNOSTIC™:Take the free Constraint Score Diagnostic and discover what's really holding you back. In less than two minutes, you'll identify your primary constraint and get a personalized roadmap to reclaim bandwidth, reduce overwhelm, and move forward with greater clarity at http://TheConstraintScore.com

This episode explains how business owners can legally hire their children to create tax savings while teaching valuable financial skills. Tiffany breaks down IRS rules, payroll requirements, entity structure considerations, and how a Roth IRA can help turn today's tax strategy into long-term family wealth. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Want to know exactly how much you need to sell to hit your profit goal? In this episode, we use a simple formula and your Profit & Loss statement to reverse engineer your sales target and build a more profitable business.

David Richter is the author of Profit First for Real Estate Investors and founder of Simple CFO, a company built to help real estate investors get control of their cash flow, pay themselves consistently, and stop living deal to deal. He spent nearly a decade inside a real estate business that scaled to 25 wholesale deals a month, where he eventually took the finance seat, only to discover they were spending more than they were making — and that nearly everyone around them was in the same boat.In this featured episode, David joins Jason Lucchesi on the No Flipping Excuses show to walk through the exact financial foundation every investor needs from their first deal forward. From the Golden Trio bank accounts to finding your keep number to what clean financials actually look like to a lender, this conversation gives real estate investors a clear, no-excuse starting point for building a profitable business.This is a practical, straight-talk episode for investors at every stage — whether you're still waiting on deal one or you're ten years in and still chasing your tail. If you've ever wondered where your money goes after a deal closes, or why more deals aren't translating to more personal wealth, this is the episode that answers it.David's core message is simple: real estate is the vehicle, but money is the game. And most investors don't know the rules. This conversation gives you the foundation to start playing it right.Episode Highlights[0:26] – David teases the episode: $25 deals a month while going broke, the Golden Trio accounts, and the keep number framework[1:13] – Jason Lucchesi opens the No Flipping Excuses interview and introduces David Richter[3:16] – David's origin story: started in real estate at 19 after reading Rich Dad Poor Dad, joined a team doing 5 wholesale deals a month and helped scale it to 800+ total deals[4:35] – How David ended up in the finance seat with zero accounting background, and what he learned sitting down with the CPA to understand profit, loss, and cash flow[5:14] – The wake-up call: doing $25 deals a month but spending $26 worth out the door — and realizing at masterminds that this was an industry-wide problem[7:07] – Why Gary Harper's recommendation of Profit First hit David so hard, and how it led him to partner with Mike Michalowicz on a real estate-specific edition[9:31] – Why the classic "pay yourself first" advice from Rich Dad and The Richest Man in Babylon always stopped short — and what Profit First does differently[12:09] – The #1 mistake most investors make: the single "black hole" account where all money comes in and disappears, with every decision based solely on the balance[13:52] – Introducing the Golden Trio: profit, owner's comp, and owner's tax accounts — and why even 1% into each is enough to start breaking the deal-to-deal cycle[15:31] – Why Relay Bank partnered with Profit First and how to open up to 20 accounts for free to implement the system right now[21:23] – How to figure out realistic starting percentages, why 1% beats 0%, and when to begin ramping toward the recommended targets based on your revenue range[24:10] – The lender advantage: why having clean, structured financials and visible reserves makes you far more attractive for financing on rentals and portfolio growth[26:35] – Role play: two investors walk into a bank — one sloppy, one Profit First-style — and what actually happens in underwriting[29:49] – Finding your keep number: how one investor lost $70,000 in 2019, found his number, and realized he only needed five deals in 2020 to hit his goal[35:10] – David's two book recommendations: Crucial Conversations (for life, marriage, and leadership) and Fix This Next by Mike Michalowicz (for diagnosing your business stage)5 Key TakeawaysThe single bank account is the root problem. Most investors run their entire business out of one account and make every spending decision based on the balance. Splitting into multiple named accounts creates instant clarity about what money is yours, what belongs to taxes, and what's actually available to invest.Start with the Golden Trio, not a perfect system. Profit, owner's comp, and owner's tax accounts are the three that matter most first. Even putting 1% into each from every deal builds the habit and keeps you from sending everything out the back end of your business.The Hope and Pray plan is not a strategy. Hoping a deal closes before payroll is due isn't business management, it's survival mode. Knowing your keep number — the actual monthly amount you need to take home — replaces hope with a real target and changes how you size deals, marketing spend, and growth.More deals don't fix a broken system. Scaling a business that loses money on cash flow just creates bigger losses at higher volume. Getting the financial foundation right at five deals a month means you're actually building something — not just generating more chaos with more zeros.Clean financials make you a better borrower. Lenders look at reserves, structure, and cash management. Investors running Profit First-style accounts with visible cash buffers get better terms, faster approvals, and more lender interest than operators with sloppy books, regardless of how many deals they've closed.Links & ResourcesProfit First for Real Estate Investors (free copy) — https://www.simplecfo.com/giftSimple CFO (book, podcast, and discovery call) — https://www.simplecfo.comRelay Bank (Profit First-friendly banking, up to 20 free accounts) — https://www.relay.comProfit First by Mike Michalowicz — available on Audible and AmazonCrucial Conversations by Kerry Patterson et al. — available on Audible and AmazonFix This Next by Mike Michalowicz — available on Audible and AmazonRich Dad Poor Dad by Robert Kiyosaki — referenced by David as the book that started it allClosing RemarkIf this episode gave you a clearer picture of what your finances should actually look like, share it with an investor friend who's still running everything through one account. The Golden Trio is a simple starting point anyone can implement this week, and it might be the most impactful hour they spend on their business all year. Subscribe, review, and share the show — and if you're ready to get your numbers dialed in, visit https://www.simplecfo.com to book your free discovery call today.

This episode dives into the financial blind spots in veterinary practices, the importance of choosing the right CPA, and strategic planning for practice success. Mark McGaunn and Jenni George share insights on optimizing practice finances, building strong advisor relationships, and long-term growth strategies.Financial blind spots in veterinary practicesChoosing the right CPA and financial advisorStrategic planning and practice valuationCost management and price increasesLong-term exit and sale strategies

Trusts can be a powerful estate planning tool, but many people overlook them or assume they're only for the wealthy. This episode breaks down how trusts work, including key differences between revocable and irrevocable trusts and their role in probate, asset management, and control. It also explores when a trust might make sense based on your goals, family needs, and financial situation. If you're building an estate plan, understanding trusts can help you make more informed decisions. After you listen: Find more of Schwab's educational resources on trusts. Learn more about estate planning from Austin Jarvis. Financial Decoder is an original podcast from Charles Schwab.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. This general information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice and is not intended to be construed as tax advice. This information cannot be used for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code or applicable state or local tax law provisions. Where specific advice is necessary or appropriate, Schwab recommends consulting with a qualified tax professional, CPA, financial planner, investment manager , or estate attorney>.  Investing involves risk, including loss of principal. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0626-0RM3 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Daniel Mahncke and Shawn O'Malley take a deep dive into Copa Holdings — the Panama-based hub-and-spoke airline whose investment case now turns on two of the most debated questions in the stock today: whether Copa is a structural exception to the airline curse — protected by a geography no rival can copy and a cost base only a handful of carriers in the world can match — or whether even the best airline in the Americas eventually gets pulled into the same gravity that has destroyed value for nearly every other carrier. Some investors believe Copa is a structural exception the market consistently underprices because it's lumped in with the broader sector, with a Panama hub at the geographic center of the hemisphere that lets it serve 85 destinations using nothing but single-aisle 737s, a sub-6¢ ex-fuel cost base only Ryanair, Wizz Air, and a couple of others can match, a 99.8% completion rate that turns the "missed flight" tax hammering other carriers into one of Copa's structural cost advantages, and a 38-year CEO who has refused to expand into Europe or chase growth at any price. Join Daniel Mahncke and Shawn O'Malley as they work through whether Copa's hub-and-spoke economics are genuinely uncopiable or just holding off the gravity that has eventually captured nearly every other airline, examine what Copa's structural advantages actually look like in 2026 versus the "all airlines destroy capital" narrative the market still anchors to, and assess whether Copa Holdings deserves a spot in The Intrinsic Value Portfolio. IN THIS EPISODE YOU'LL LEARN: (00:00:00) Intro (00:00:47) Why airlines are such a tough business to be in (00:02:49) What Buffett and other superinvestors think (00:16:05) Why Copa is different than other airlines (00:30:41) How being the best-in-class business can change the investors' outcome (00:36:37) How Copa built its moat (00:55:35) How Copa can defend its moat (01:17:25) Valuation discussion of Copa (01:19:47) Whether Copa is valued attractively (01:22:31) Whether Shawn and Daniel add CPA to the Intrinsic Value Portfolio Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Track ⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Portfolio⁠⁠⁠⁠⁠⁠⁠. Try out our Portfolio Review ⁠Submit Tool⁠. Check out the Value Investor Club ⁠Article⁠. Read the Asymmetric Edge Substack Article. Warren Buffett on the Airline Industry in his Annual Letters. Follow Shawn on ⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠. Follow Daniel on ⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our previous Intrinsic Value breakdowns: Uber, Nike, Reddit, Nintendo, Airbnb, AutoZone, Alphabet, Ulta, John Deere, Madison Square Garden Sports. Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses through ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 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Ethan Heisey is a tax strategist and the founder of Exponential Freedom, a firm focused on helping business owners reduce their tax burden through advanced planning strategies. After working inside the traditional financial advisory world, Ethan recognized a major gap between tax preparation and proactive tax strategy. Today, he works with high-earning entrepreneurs to identify opportunities their current CPA may not be addressing, with the goal of legally reducing tax liability and increasing retained earnings.

Can you run a hyper-profitable tax and advisory firm while heavily restricting your personal work hours? Most accounting firm owners and managing partners assume that scaling past six figures requires sacrificing their personal life to the grind.   In this episode of Growing Your Firm, host David Cristello sits down with Yuri Kapilovich, Managing Partner of Kapilovich and Associates—known across social media as "The Fun CPA." After spending over a decade handling high-net-worth clients at giant tax firms, Yuri stepped out on his own to build an ultra-lean, highly optimized practice.   Yuri pulls back the curtain on how he structure-built his firm to generate nearly $290k in gross revenue while working only 15 to 25 hours a week! If you're a bookkeeping firm owner, a CPA starting a firm, or an operations manager, this step-by-step masterclass reveals how pricing alignment directly builds lifestyle freedom.   In this episode, we explore: The "Fun CPA" Blueprint: How leaning into raw, honest, and unconventional branding on LinkedIn unlocked massive organic growth. The $2,000 Minimum Baseline: Why establishing rigid price floors protects your team's capacity and eliminates low-margin, high-volume compliance traps. The Three-Tier Revenue Split: Breaking down Yuri's $290k engine—from seasonal tax preparation to core quarterly advisory and monthly recurring client accounting services (CAS). The Ultimate Solo Leverage Strategy: Managing 80 high-value business clients by hyper-utilizing part-time specialized contractor support. Social Media vs. Firm Reality: An honest discussion on managing the mental toll of online comparison and how to strategically filter out vanity metrics.   Key Metrics and Firm Benchmarks Mentioned: Average Relationship Value: $3,500 to $3,600 per client. The "3x" Capacity Rule: Ensuring your fractional team or software tools produce three times their compensation footprint to maintain an elite profit margin.   Featured Guest: Yuri Kapilovich  

For an estate plan to work in real life, your legal documents, account titles, beneficiary designations, tax strategy, and broader financial plan all need to align. That is why coordination between your estate planning attorney, CPA, and financial advisor matters.In this episode of the A Wiser Retirement® Podcast, Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA® sits down with Estate Planning Attorney Arun Gupta of AG Law, and Jordan Gary, CPA of Jones & Kolb to talk about why estate planning isn't a solo effort, and what happens when your professional team actually works together. Related Podcast Episodes: Ep 314. The Simple Estate Planning Error That Could Hurt Your FamilyEp 329. Digital Estate Planning: What Happens to Your Online Life?Related Financial Education Videos:Using an Online Estate Planning Service vs Using a Local AttorneyPrevent Family Conflict with Legacy PlanningOther Links:AG LawJones and KolbLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more!Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

In this comprehensive mid-year recap of Talk Law Radio, host and Texas attorney Todd Marquardt takes a look back at the first half of the year to help you uncover hidden legal blind spots and protect your wealth. Whether you are looking to secure your family’s future, optimize your business structure, or align your financial goals, this episode serves as your ultimate guide to navigating life’s legal and financial complexities. First, Todd sits down with Jacob Warren from Financial Planning HQ to discuss a unique, flat-fee advisory model that rejects corporate commissions and product-pushing in favor of pure, objective advice. Together, they break down the critical importance of having a "financial quarterback"—an advisor who bridges the gaps between your CPA, your estate attorney, and your investment managers to eliminate chaotic silos and ensure everyone is rowing in the same direction. In the second half of the show, Todd reviews a treasure trove of invaluable lessons from the year's most impactful episodes. From navigating federal income tax changes and the nuances of series LLCs to understanding the stark differences between medical powers of attorney and directives to physicians, this episode packs months of expert legal strategy into one power-packed hour. Key Takeaways The Power of Financial Coordination: Successful wealth management requires an overarching strategy where your financial planner, CPA, and legal team actively communicate and align under a singular plan. De-risking Your Portfolio: Discover why upfront, strategic conversations with a flat-fee advisor keep clients calm and protected, even during volatile market downturns. Protecting Your Legacy: Learn about "ethical wills" (or legacy letters) and how they can be used to pass down your core values and principles to the next generation, alongside your material assets. Navigating Business & Health Laws: Get a quick refresher on why business owners need a dedicated attorney—not just a CPA—to properly manage a Series LLC, and why it is critical to outline your end-of-life medical wishes before an emergency strikes. School Safety & Accountability: A solemn reflection on a local Texas case serves as a crucial reminder regarding the strict legal definitions and limitations of claiming self-defense. Tune in to discover your legal blind spots and ensure your financial house is in perfect order for the rest of the year! -Sponsored by Marquardt Law Firm and Financial Planning HQ -Go to marquardtlawfirm.com and financialplanninghq.netSee omnystudio.com/listener for privacy information.

Many insurance agency owners focus on growing revenue, but revenue alone does not create financial health. Denise Nelson joins Mike Stromsoe to unpack the critical numbers agency owners should be tracking if they want to improve profitability, strengthen cash flow, increase enterprise value, and build a business that is not dependent on them. Drawing from her unique experience as both a CPA and insurance agency owner, Denise shares practical financial benchmarks, warning signs, and strategies that help agency owners turn growth into long-term financial success.Key Topics:Why managing by revenue instead of profit creates hidden financial problems The difference between growth that adds value and growth that adds complexity How to identify the true cost of servicing clients and supporting producers Why bookkeeping should be used as a decision-making tool, not just for tax compliance The most important financial metrics agency owners should review every month How compensation structures influence profitability and long-term growth Questions every agency owner should ask to evaluate their accounting and advisory team Warning signs that increasing revenue may actually be weakening cash flow and margins The impact of founder dependency on agency value and future sale potential Financial habits and disciplines that help build a more profitable and scalable agencyAbout The Guest:Denise Nelson is the founder and CEO of Accounting Plus and The Plus Group in Columbia, Missouri, and she also founded Insurance Plus, an independent insurance agency in Columbia. That combination gives Denise a rare perspective: she understands the accounting, tax, and advisory side of business, but she also understands the real-life challenges of running and growing an independent insurance agency.For more than 30 years, Denise has worked with business owners to help them understand their numbers, improve profitability, and build stronger companies. Through The Plus Group, she now helps independent agency owners see whether their growth is actually producing stronger profit, better cash flow, and greater long-term agency value.Ways to connect:How to connect:  email Denise@accountingplusinc.comMessage me on LinkedIn: https://www.linkedin.com/in/denise-nelson-32901910/ Website (Insurance services page): https://accountingplusinc.com/insurance-agency-advisory/Connect with Daniel:LinkedInWebsiteConnect with Mike: LinkedIn TwitterGrowth alone is not the goal. The strongest agencies convert growth into predictable profit, healthy cash flow, scalable operations, and long-term enterprise value. By understanding the right financial metrics, building financial discipline, and reducing owner dependency, agency owners can create businesses that are both more profitable today and more valuable tomorrow.

This episode was sponsored by Cardiff  LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ Today's Dropping Bombs episode delivers a masterclass in tax warfare with Mark Lewis — a federally-licensed Enrolled Agent who spent 15 years battling the IRS before cracking the code on strategies the ultra-wealthy and big corporations have quietly used for decades. Now he helps small and mid-size business owners slash their taxes below 25%, protect assets from lawsuits, and build generational wealth using the same corporate structures as 9-figure companies. Mark breaks down why your S-Corp is a trap, how Amazon-level corporate structuring is legally available to small business owners, and the six financial lies keeping most entrepreneurs overpaying by thousands every year. From the "earn vs. control" mindset shift, to the Augusta Rule, offshore trust myths, and why your CPA's silence is costing you more than their fee — this episode covers it all. If you're making money and handing more of it to the IRS than Fortune 500 companies do, that's not a tax problem — it's a structure problem. And this episode tells you exactly what to do about it.

The tax rules changed, and many business owners still don't know how it affects them. In this episode, Tiffany Phillips breaks down four major tax strategies from the One Big Beautiful Bill that could create significant tax savings in 2026. This isn't theory. It's practical CPA advice with real numbers and real examples that can help you keep more of what you earn. If you're a business owner or real estate investor, these are decisions that need attention before year-end. Don't wait until tax season. Listen now and discover the moves that could save you thousands. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Powered by CJ Moneyway Media and Bleav Network. What if closing the racial wealth gap wasn't a slogan… But a strategy? On this episode of The CJ Moneyway Show, CJ sits down with Carter Cofield and George Acheampong, co-founders of Melanin Money — a financial education and tax strategy powerhouse on a mission to close the racial wealth gap by $100 BILLION. They've built a $10.5M business. Helped clients generate over $100M in wealth. Educated 20,000+ entrepreneurs for free. But this isn't just about revenue. It's about ownership. Carter, a CPA and brain tumor survivor, brings the tactical brilliance and heart behind tax strategy and business structure. George, a financial architect for rising founders, delivers mindset, clarity, and scalable wealth blueprints. In this episode, we unpack: • The $100B vision — and why it's achievable • The overlooked power of tax strategy in wealth creation • From hustle income to holding assets • The mindset shift from scarcity to strategy • Carter's health battle and how it sharpened urgency • Why financial literacy must evolve • Building an 8-figure brand rooted in education • The generational wealth blueprint for 2026 and beyond This is not surface motivation. This is financial architecture. Listen everywhere: https://pod.link/1707761906 Website: https://cjmoneyway.com Book CJ: https://calendly.com/cj-cjmoneywayshow/60min CJ MONEYWAY EXCLUSIVE BENEFIT High-level execution requires capacity. CJ Moneyway listeners receive a minimum $40 savings using code: CJMoney Claim here: https://readyrx.com/treatments/se?coupon=cjmoney Because wealth building requires energy. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The drought is over. The New York Knicks are NBA Champions.On this episode of Sports Gumbo, Eric Pierre, CPA and Drew Lasker react to the Knicks' historic championship run and break down how New York captured its first NBA title in decades.The guys discuss Jalen Brunson's postseason brilliance, the key moments that defined the Finals, and what this championship means for one of the NBA's most passionate fan bases.They also examine the San Antonio Spurs' Finals run, Victor Wembanyama's future, and how this series could shape the NBA landscape for years to come.From championship celebrations to legacy conversations, Sports Gumbo serves up another rich helping of basketball, culture, and honest conversation.Grab a bowl. The gumbo is hot.

t of real estate investors hear about tax savings from real estate but never fully understand how those strategies actually work. In this episode, CPA and tax strategist Thomas Castelli explains the difference between passive rental losses and tax strategies that can reduce W2 or business income. He shares why short-term rentals have become a powerful tool for high-income earners and how syndicators can structure deals more efficiently from a tax perspective. Thomas also explains why many investors wait too long before speaking with a real estate-focused CPA and why AI will change accounting firms over the next few years. Key Topics Discussed Why rental real estate is passive by default How short-term rentals are treated differently under the tax code What qualifies someone for real estate professional status Why carried interest can lower taxes for syndicators Common tax mistakes in operating agreements and PPMs How AI may automate bookkeeping and tax prep work Guest Information Thomas Castelli Website: The Real Estate CPA Email: thomas.costelli@HallCPALLC.com Call To Action To connect with Thomas or book a free consultation, visit The Real Estate CPA Consultation Page

Owning 45 rental properties and multiple group homes sounds like a dream until a six-figure tax bill arrives.In this episode of Real Money Talks, Loral Langemeier helps a Virginia couple uncover why their current business structure may be costing them far more in taxes than necessary. After paying approximately $125,000 in taxes, they discover that the issue isn't a lack of deductions it's a lack of an advanced tax strategy.Loral explains why real estate investors need more than a traditional CPA and explores how business owners can create deductible allowances, improve bookkeeping systems, and use advanced tax strategy tools like gas and oil investments to offset taxable income.If you're building wealth through real estate, business ownership, or alternative investments, this episode offers valuable insights into using an advanced tax strategy to reduce taxes, increase cash flow, and build long-term wealth.Loral's Takeaways:Tax Planning and Business Structure Overview (00:05)Current Financial Situation and Tax Payments (01:03)Corporate Structure and Tax Entity Issues (02:21)Proposed Tax Strategies and Corporate Structure Adjustments (03:15)Behavioral Changes and Tax Compliance (05:41)Investment Opportunities and Tax Deductions (07:41)Bookkeeping and Accounting Adjustments (10:26)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.Links and Resources:Ask Loral App: https://apple.co/3eIgGcXLoral on Facebook: https://www.facebook.com/askloral/Loral on YouTube: https://www.youtube.com/user/lorallive/videosLoral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/Money Rules: https://integratedwealthsystems.com/money-rules/Millionaire Maker Store: https://millionairemakerstore.com/Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/Integrated Wealth Systems: https://integratedwealthsystems.com/Affiliate Sign-Up: https://integratedwealthsystems.com/affiliatesThanks for listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have some feedback or questions about this episode? Leave a comment in the section below!Subscribe to the podcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on iTunes or Stitcher. You can also subscribe from the podcast app on your mobile device.Leave us an iTunes reviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on iTunes, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on iTunes.

What if you could start building wealth for your kids today while creating a tax-smart benefit for your employees at the same time? In this episode, we break down the new Trump Accounts, including who qualifies for government contributions, how to set them up, contribution limits, and strategies for parents, grandparents, and business owners. We'll also cover how these accounts compare to Roth IRAs, their long-term wealth-building potential, and why they can be a great tool for teaching kids about investing and financial responsibility. _______________________________________ Do you want access to the videos, drawings, templates, tools, and be able to get your questions answered on the live calls or in the community? We'd love to have you join the Wealth Game basics today to get some additional free resources, videos, and tools: Visit www.wealthgame.io For specific one on one, or group support for tax planning, strategy, tax preparation, bookkeeping, accounting, or other CPA firm related services, we recommend going to www.bementcompany.com to connected with our team of CPAs and professionals. Thank you for listening to another episode of the Wealth Game Podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Websites: www.wealthgame.io www.bementcompany.com You can also stream The Wealth Game on: Spotify: https://open.spotify.com/show/5vKCgwK9K7zw1FrXoNAdoh?si=b95d0293bb4b41ad Apple Podcasts: https://podcasts.apple.com/us/podcast/wealth-game/id1638735155 Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement X: https://x.com/brentbement Instagram: https://www.instagram.com/brentbement/

Daniel Mahncke and Shawn O'Malley take a deep dive into Copa Holdings — the Panama-based hub-and-spoke airline whose investment case now turns on two of the most debated questions in the stock today: whether Copa is a structural exception to the airline curse — protected by a geography no rival can copy and a cost base only a handful of carriers in the world can match — or whether even the best airline in the Americas eventually gets pulled into the same gravity that has destroyed value for nearly every other carrier. IN THIS EPISODE YOU'LL LEARN: (00:00:00) Intro (00:01:35) Why airlines are such a tough business to be in (00:03:55) What Buffett and other superinvestors think (00:16:47) Why Copa is different than other airlines (00:35:58) How being the best-in-class business can change the investors' outcome (00:38:38) How Copa built its moat (01:01:14) How Copa can defend its moat (01:22:37) Valuation discussion of Copa (01:24:36) Whether Copa is valued attractively (01:27:30) Whether Shawn and Daniel add CPA to the Intrinsic Value Portfolio Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Track ⁠The Intrinsic Value Portfolio⁠ Check out our previous Intrinsic Value breakdowns: ⁠⁠Transdigm⁠⁠, ⁠⁠Berkshire Hathaway⁠⁠, ⁠⁠FICO⁠⁠, ⁠⁠PayPal⁠⁠, ⁠⁠Uber⁠⁠, ⁠⁠Nike⁠⁠, ⁠⁠Amazon⁠⁠, ⁠⁠Airbnb⁠⁠, ⁠⁠Alphabet⁠⁠. Follow Shawn on ⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠. Follow Daniel on ⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠. Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses through ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Investor's Podcast Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠sponsors⁠:⁠ Plus500 Netsuite Vanta Shopify References to any third-party products, services, or advertisers do not constitute endorsements, and The Investor's Podcast Network is not responsible for any claims made by them. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Will AI really automate most accounting work by 2040? Blake and David unpack what they heard at AICPA Engage, from deterministic AI agents and rising accounting enrollment to private equity's growing influence on firms. Plus, Blake shares an exclusive interview with FICPA CEO Shelly Weir on Florida's fight to protect CPA licensure. Listen to understand where the profession is heading—and what accountants may need to do next.SponsorsDigits - http://accountingpodcast.promo/digitsOnPay - http://accountingpodcast.promo/onpaySavant Labs - http://accountingpodcast.promo/savantR.E. Cost Seg - http://accountingpodcast.promo/recostsegChapters(00:00) - Cash Stolen In Bay Ridge (00:27) - Podcast Welcome Back (02:58) - Engage Conference Takeaways (03:58) - Hidden Vibe Coding (07:50) - Rise 2040 Automation Report (10:47) - Human In The Lead Debate (15:09) - Top Firm Concerns 2026 (18:29) - OpenAI Finance Team Lean (21:52) - Enrollment Up And CPA Pathways (25:19) - 7000 Cash Theft Revisited (26:52) - KPMG Whistleblower Scandal (28:33) - Crowe Gets 3B PE Deal (30:07) - Red Lobster AI Conspiracy (31:30) - PE Cross Selling Risks (33:39) - CPA Trust Campaign Launch (36:17) - Florida Licensure Threat (37:14) - Why Shelly Stayed Quiet (39:13) - What The Bill Proposed (43:28) - Why Deregulation Happened (45:46) - How FICPA Stopped It (48:46) - Mobility And Modernization (01:00:04) - CPE And Future Battles (01:03:59) - Wrap Up And Next Steps  Show NotesMan Accused of Stealing $7K from Accounting Firm in Brooklynhttps://pix11.com/news/local-news/brooklyn/man-accused-of-stealing-7k-from-accounting-firm-in-brooklyn-nypd/AICPA and CIMA Launch Rise2040: Shaping the Future of Finance and Accountinghttps://www.aicpa-cima.com/news/article/aicpa-and-cima-launch-rise2040-shaping-the-future-of-finance-and-accountingThe AICPA Asks: Are You Ready for Accounting in 2040?https://www.accountingtoday.com/news/the-aicpa-asks-are-you-ready-for-accounting-in-2040OpenAI CFO Sarah Friar Offers a Look Inside the Company's Finance Functionhttps://www.cfo.com/news/openai-cfo-sarah-friar-offers-a-look-inside-the-companys-finance-function/822545/Accounting Undergrad Enrollment Up 9%https://www.accountingtoday.com/news/accounting-undergrad-enrollment-up-93 More States Pass CPA Pathways Legislationhttps://www.cfodive.com/news/3-more-states-pass-cpa-pathways-bills-accounting/821649/A Master's Degree Isn't the Job Guarantee It Used to Behttps://www.wsj.com/articles/a-masters-degree-isnt-the-job-guarantee-it-used-to-beKPMG Secretly and Repeatedly Accessed a Whistleblower's Computer, Then Shared the Files with Its CEOhttps://thenextweb.com/news/kpmg-accessed-whistleblower-computerCrowe Gets PE Investment from KKRhttps://www.accountingtoday.com/news/crowe-gets-pe-investment-from-kkr57% Say PE Threatens the CPA Brand. But They'll Take the Money.https://cpatrendlines.com/2026/06/09/cpa-pe-deal-tracker-57-say-pe-threatens-the-cpa-brand-but-theyll-take-the-money/Red Lobster's CEO Says He's Going to Transform the Chain into 'The Most AI-Forward Restaurant Company That Exists'https://finance.yahoo.com/sectors/technology/articles/red-lobsters-ceo-says-hes-153500558.htmlStephano Slack Scores PE Fundinghttps://www.accountingtoday.com/news/stephano-slack-scores-pe-fundingNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifieds REFRAME 2026 - http://accountingpodcast.promo/reframe2026Flowglad -

Can an AI actually call your investors, sound completely human, and book the meeting — without ever crossing an SEC line? I put it to the test live on this episode, and honestly… she fooled me.   In this Abundance Mindset episode, I role-play a motivated accredited investor and throw every curveball I can at "Kelly," an AI voice agent built inside GoHighLevel for capital raisers and syndicators. Watch how she handles time zones, scheduling, reminders — and what happens the moment I start asking about rates, terms, and returns. (Hint: she does exactly what a compliant assistant should do.) Then we go behind the scenes on how she's built, why she's designed to be likable instead of salesy, and where AI is taking investor relations next.   If you raise capital, run a syndication, or just want to see where AI + real estate is heading, this one will open your eyes.   ⏱️ TIMESTAMPS   00:00 – The AI demo begins (meet "Kelly") 00:50 – Confirming my contact info (she already knows me) 02:00 – I ask about live deals… watch her pivot to a call 02:40 – Booking the meeting + handling time zones 03:30 – Rescheduling, reminders & calendar links 05:30 – The reveal: "Are you a live person?" 06:30 – My honest reaction + behind the scenes 08:00 – How memory + GoHighLevel automations work 09:30 – Why she stays 100% compliant (no rates, terms, or returns) 11:00 – The future: AI that remembers and builds relationships     ----    

Send us Fan MailShownotes can be found at https://www.profitwithlaw.com/538.Most law firm owners think they're covered on taxes. They've got a CPA. Returns come in on time. No audits. What else is there?A lot, actually.The difference between a tax preparer and a tax strategist isn't just terminology — it's tens or even hundreds of thousands of dollars a year. And if nobody's having proactive conversations with you throughout the year, those strategies disappear on December 31st. Every year.In this episode, Moshe sits down with Boris Musheyev, CPA, certified tax strategist, and founder of BorisMTax, to have the conversation most firm owners never get to have.Chapters:[00:00] Why law firm owners must rethink tax planning for business growth[02:52] Discover how proactive tax strategies lower attorney tax liability[05:08] Learn the difference between tax preparers, planners, and strategists for your firm[10:06] Implement essential tax strategies that boost law firm profitability[12:51] Use advanced tax planning for lawyers to maximize business deductions[17:56] Optimize retirement planning with advanced strategies for attorneys[23:02] Follow a step-by-step tax planning process to reduce firm taxes[27:18] Maintain records and documentation to protect your firm in an IRS audit Resources mentioned:

What does self-awareness have to do with money, leadership and success? More than most people realize. In this episode of Money Tales, leadership expert Margaret Andrews shares how a single piece of difficult feedback early in her career sparked a lifelong pursuit of self-awareness, emotional intelligence and personal growth. From her beginnings as a CPA to teaching some of Harvard’s most popular leadership and executive education courses, Margaret explores how the beliefs we hold about ourselves quietly influence our careers, relationships, decision-making and financial lives. Her story offers practical insights for anyone looking to become a better leader, make more intentional choices and develop a healthier relationship with money. About Margaret Andrews: Harvard Leadership Instructor, Author and Expert in Emotional Intelligence Margaret is a seasoned professional speaker, executive, academic leader and instructor whose work has been written about in a variety of publications, including BusinessWeek, Forbes, The Wall Street Journal and The Times of India. Her course, Managing Yourself and Leading Others, is among the most popular classes and executive programs at Harvard. In addition, Margaret teaches Unlocking Creativity, Leading with Emotional Intelligence, Strategic Leadership, Creativity and Innovation, and It Depends: Unpacking the Challenges of Leadership. She is also the Co-Faculty Director of the Executive Program for Senior Life Sciences Leaders at Harvard Medical School. In the academic arena, Margaret has been Executive Director of the MBA Program at the MIT Sloan School of Management, Vice Provost at the Hult International Business School and Associate Dean at Harvard University. On the business side, Margaret started her career as a CPA in San Francisco and has also been a marketing executive and a long-time strategy consultant. She now leads The MYLO Center, a private leadership development firm. Margaret earned an undergraduate degree from the University of California, Berkeley and her graduate degree at the Massachusetts Institute of Technology (MIT). Her writing has been featured in Leader to Leader, Training Industry Magazine and Psychology Today and her book, Manage Yourself to Lead Others, was published by Hachette in 2025. Follow Money Tales on Spotify, Apple Podcasts or YouTube Music for more real stories that inspire thoughtful, intentional decisions about money.

Alicia runs through the latest round of Intuit announcements, including invoice deposits, garnishment tracking in Payroll, batch bill pay for up to 50 payments at once, and a redesigned review-and-pay screen that now shows clients every open invoice. She also gets a little cynical about Intuit's growing push to surface its own experts inside QuickBooks, where clients can connect directly with Intuit for setup, bookkeeping, and tax help. It wraps with a hands-on look at the new CAS revenue calculator at firmofthefuture.com and what it reveals about firm benchmarks and advisory pricing.Sponsors:Aqqrue - http://uqb.promo/aqqrueC&R Consulting - http://uqb.promo/cnr(00:00) - Welcome and Overview (00:29) - Better Together Tour (01:48) - Accountant Suite Training (03:14) - Modern Reports Update (04:21) - Invoice Deposits Changes (06:24) - Customer Payment Portal (08:02) - Payroll Garnishment Tracking (09:47) - Batch Bill Pay Upgrade (10:15) - Intuit Experts Pushback (13:19) - Cash Flow Tools Coming (14:28) - CAS Revenue Calculator (24:51) - Hands On Training Class (28:17) - Wrap Up and Goodbye LINKSFirmofthefuture.comAlicia's book on Amazon: http://royl.ws/conversion-bookJuly 21 through October 8: HANDS-ON QUICKBOOKS 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 

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:

In this episode, I'm joined by Kim Rittberg—former media executive at Us Weekly and Netflix, who had a wake-up call in her hospital delivery room (yes, she was checking emails while in labor) and left corporate to build her own business teaching coaches and service providers how to use video to actually grow their income, not just their follower count. If you've ever wondered how to find your confidence on camera when you feel awkward and self-conscious, how to come up with content ideas that actually sound like you, and what it looks like to turn video views into DMs, calls, and clients—this episode is for you!Here's what we cover:Why most people freeze on camera and the simple mental shift that unlocks confidenceWhy your video scripts sound stiff (The difference between writing for the spoken word vs. the written word)Credibility + connection: the two things your content needs  How to turn video into actual sales Why most people show up on camera with too little energy and how to bring the dinner party vibe insteadResources and Sponsorship:Connect with Kim:Website: kimrittberg.com Instagram: @kimrittberg YouTube: https://www.youtube.com/@kimrittbergcontent10 Tips to Take Your Videos From Mediocre to Magnetic: Kim's free guide covering the crucial foundations of how to get clients and leads through video. https://www.kimrittberg.com/tipsVideo Boot Camp: Attract clients, grow your brand & your revenue on Social Media through video. https://kimrittberg.mykajabi.com/video_boot_campThis episode is brought to you by The Monthly Money Check-In Guide by Chika Obih, CPA.https://chika-obih-cpa.kit.com/moneyguideYou know that tight feeling in your chest when you realize you haven't looked at your numbers in weeks? The tab you keep closing. The invoices you keep meaning to follow up on. The vague anxiety that lives in the background of your business because you're not quite sure what's happening with your money.This free guide changes that in less time than it takes your coffee to brew.The Monthly Money Check-In Guide walks you through a simple monthly process that takes you from avoidant and anxious to clear, confident, and actually in control. No complicated software. No accounting degree. Just a repeatable habit that makes running your business feel a whole lot lighter.Get it here: https://chika-obih-cpa.kit.com/moneyguide

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

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

Real estate bookkeeping might not be the most thrilling part of owning a rental property, but it's often the difference between bleeding money each month and earning cash flow you can count on. Today's guest will show you exactly how to get your books in check so you can make your properties even more profitable! Welcome back to the Real Estate Rookie podcast! Grace Wills is a CPA, a homeschooling mom, and a self-described “risk-averse” investor. So, when her husband suggested they buy an investment property back in 2018, she was skeptical. However, it didn't take long for that first property to start generating plenty of cash flow, at which point Grace saw that real estate investing was far less “risky” than many other investments. Fast forward to today, and Grace owns a real estate portfolio that's creating long-term wealth for her family, despite losing money on three different house flips. In this episode, she shares the importance of having a mentor to help you navigate the ebbs and flows of real estate, why bookkeeping is one of the most underrated skills, and some of her favorite tools and software for new investors! In This Episode We Cover Why Grace never gave up on real estate (even after three “failed” house flips) The four people every real estate investor needs in their corner The two-part software “stack” every new investor should have The biggest challenges when going into real estate investing with family What to know before putting your rental property in an S corporation Why you should always speak to multiple lenders before getting financing And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-731⁠⁠⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices