Podcasts about CPA

In this episode, Chris Papin, CPA & Attorney, Owner & Operator, Papin Speaks, shares insights on leadership, time management, and clarity, including how high performing business owners use their “168 hours”, balance execution with reflection, and stay disciplined through growth, setbacks, and change.

Zach sits down with couples therapist and author Colette Jane Fehr and her husband Steve Fehr for a candid conversation about second marriage, difference, repair, and what therapy really does—and doesn't—solve. Colette and Steve met later in life after very different first marriages and divorces. She's an emotionally expressive, extroverted therapist from New York; he's a reserved, analytical CPA from Kentucky. On paper, they couldn't be more different—but from their first night talking for hours at a diner, something clicked. They talk openly about blending families with four teenage daughters, the strain that season put on their marriage, and how therapy became not a last resort but an ongoing resource. Steve reflects on learning—slowly—to speak up before resentment builds, while Colette names her own pattern of over-explaining and chasing understanding when she feels disconnected. The conversation explores how repair actually works in real marriages: who apologizes first, why pauses matter, how shame gets in the way, and why growth is measured in years—not moments. They also share what they're navigating now: demanding careers, a major book launch, and the need to reinvest in their relationship after a season of borrowing against it. This episode is an honest look at what long-term partnership looks like when both people stay willing to learn, practice, and keep showing up—imperfectly. Key Takeaways Therapy isn't a referee – Real change happens when each person does their own work, not when someone “wins.” Quiet creates distance – Avoiding small conversations leads to resentment and emotional shutdown. Pausing prevents damage – Taking space can be protective when emotions run hot. Repair matters more than perfection – Apologies don't require total agreement—just ownership. Different nervous systems need different timing – One partner may need space while the other seeks immediate connection. Growth is gradual – Being better than five years ago counts—and so does staying open to future growth. Relationships require reinvestment – Work seasons drain connection unless time and intention are restored. Guest Info Colette Jane Fehr Couples therapist, speaker, podcast host, and author of The Cost of Quiet, releasing February 2026 https://www.colettejanefehr.com/new-book. Colette specializes in helping individuals and couples break patterns of avoidance and learn self-connected communication. Website: https://www.colettejanefehr.com Steve Fehr CPA and finance professional with over 30 years of experience. Steve brings a grounded, analytical perspective to conversations about communication, emotional labor, and long-term partnership. Learn more about your ad choices. Visit megaphone.fm/adchoices

YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.  Free Financial Tools & Resources in This Episode: https://bit.ly/ymyw-563 (full show notes & episode transcript) The Complete Roth Papers Package - 3 free downloads in one! Don't Let These 10 Risks Break Your Retirement - YMYW TV Financial Blueprint (self-guided) EASIRetirement (self-guided) Financial Assessment (Meet with an experienced professional) LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023, 2024 LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2 REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms 20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts 32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA) from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts 43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH) from ep. 546: YMYW longest average view duration in 2025 on YouTube 55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) from ep. 536: YMYW most plays, most listeners, and most viewers in 2025 on Spotify 59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast

The field says the job is further along. Accounting says it's not. In this episode, Eric Anderton and Kathe Barrington, CPA explain why that disconnect exists—and why both sides are right. The field measures physical progress. Accounting measures financial reporting. When those systems fall out of sync, WIP becomes unreliable, billing lags, and cash flow suffers. This episode is Part 3 of the Construction Accounting Series, following: WIP Reports Made Simple How to Use Your WIP to Protect Cash and Grow Profitability If you want fewer surprises and better control over your jobs, don't miss this conversation.  

Real Estate Syndication Investment Overview Michael and Stewart explored the world of real estate syndication and why it has become a practical alternative to traditional property ownership. They explained how 25 to 50 investors can pool their capital to purchase larger properties, giving individuals access to substantial real estate deals without managing the property themselves. Stewart pointed out that although real estate is generally less liquid than stocks, the future looks promising as tokenization grows and could make private deals more accessible within the next few years. Understanding Investment Risks and Rewards Michael and Stewart broke down the complexities of alternative investments, especially in areas like cryptocurrency and innovative financial models. Stewart explained SEC rules for accredited investors and shared that typical syndicate minimums start at $50,000, with $25,000 possible for new investor relationships. They highlighted the potential for recurring cash flow, attractive tax advantages, and average annual returns around 13.5 percent, with a minimum expected return of 6.5 percent in the first year. Real Estate Tax Depreciation Benefits The conversation shifted into tax strategy, where Stewart explained how depreciation and bonus depreciation can significantly impact an investor's bottom line. He described cost recovery, the ability to deduct the cost of an asset over time, and how current tax laws allow for 100 percent bonus depreciation on certain types of personal property. Michael and Stewart emphasized that real estate offers unique tax opportunities through cost segregation, allowing investors to classify a large portion of a property's cost as personal property and deduct it in the first year. Real Estate Investment Tax Benefits and Market Outlook Michael and Stewart emphasized the importance of solid research and guidance from qualified financial professionals when evaluating real estate investments. They discussed how the U.S. economy is heavily tied to real estate and how government incentives often support development. Stewart shared his outlook on the housing market, predicting potential movement in the first half of next year if interest rates ease and new policies, such as down payment support or extended mortgage terms, are introduced. Housing Market and Investment Insights Wrapping up, Michael and Stewart discussed the importance of a balanced housing ecosystem that supports both home ownership and rental opportunities. Stewart encouraged listeners to explore more about their projects at harvardGrace.com and offered a free digital copy of his latest book to help aspiring investors deepen their understanding of real estate investing. Stewart O. Heath, CPA Stewart is the Founder and CEO of Harvard Grace Capital, a private equity real estate investment firm that helps individuals and business owners build wealth faster through hands-off real estate investing that generates passive income, reduces risk, and maximizes tax efficiencies.  Backed by a combined 150+ years of entrepreneurial and CRE experience, Stewart and the Harvard Grace Capital team have raised millions of dollars via syndications, and consistently deliver tax-advantaged 18%+ ROI on well-located commercial real estate assets (office, retail, medical, self-storage, etc.) between Nashville, Tennessee and Birmingham , Alabama.  Harvard Grace Capital stands out in a crowded market because of its focus on stabilized  commercial real estate, which cash flows from day one – a refreshing contrast to high-risk, speculative ventures. Stewart and his team prioritize consistency and resilience in an economy that feels increasingly unpredictable, often reciting their motto: “boring is beautiful.” A Certified Public Accountant (CPA), Stewart brings over 40 years of business experience to the real estate sector. His background spans multifamily and commercial development, construction, management, and investing, but it's his CPA-level financial rigor that gives him an edge in deal analysis and risk mitigation. Stewart's journey has been deeply shaped by his comeback after losing everything in the 2008 financial crisis. Rather than retreating, he rebuilt smarter. He learned how to structure real estate portfolios that provide tax-optimized long-term, reliable returns. That experience now fuels his mission: to help investors navigate uncertain markets with investments that perform through all cycles and beat inflation. More about Stewart:  Served as a COO/CFO across industries including media, manufacturing, and retail; held leadership positions at Tennessee Valley Properties, Creative Trust Ventures, Gaines Manufacturing Company, and more.  Former Board Member of the Freedom Business Alliance, the only global network creating business solutions to human trafficking. Worked as a tax consultant with PwC in the 1980s, creating value or tax savings in the  millions of dollars. Hosted the Growth, Grace & Prosperity Podcast, where he interviewed top entrepreneurs, executives, and wealth builders about what it takes to succeed in business and life. Social media links: Linkedin https://www.linkedin.com/company/harvard-grace-corporation/ Stewart's LinkedIn: https://www.linkedin.com/in/stewartoheath/  Facebook https://www.facebook.com/harvardgrace  

In this episode of One Sharp Sword, Dr. Wayne Pernell sits down with Tariq Malik, the “Reluctant CPA” whose career path spans engineering, chartered accountancy, international finance, and now fractional CFO leadership. Tariq shares his journey from Pakistan to England, Canada, the Middle East, and the U.S.—and the lessons learned while helping organizations navigate financial strategy, succession planning, and sustainable growth. Tariq reveals why most business owners underestimate what they don't know, the dangers of being too owner-dependent, and why bringing in outside expertise (from CFO services to leadership coaching) is essential for scaling. This conversation offers a blend of global perspective, business acumen, and meaningful leadership insight.

Episode 6 of the New Year's Eve Lollapalooza is a collision of high standards and real humanity—where big goals meet even bigger intention.Jay Doran and co-host Mike “Mike Drop” Calhoun welcome a powerhouse lineup: Chris Vester, Maria Quattrone, Alan Whitman, Mike Modica, Matt McHale, with Jim Sabellico jumping in briefly to give flowers where they're due.This episode moves fast—but it lands deep.You'll hear Maria Quattrone share her 2026 word—Fearless—and the launch of her coaching and course work, including the Listing Boss 90-Day Listing Accelerator. She reflects on how consistency and community carried leaders through the unexpected, and later drops a rapid-fire “top lessons of 2025” that hits like a leadership manifesto: clarity, boundaries, momentum on boring days, and why rest is a strategy—not a reward.Chris Vester brings his signature grounding presence: 2025 was Pruning—not loss, but intentional elimination for growth. 2026 becomes Alignment, tied directly to his mission and advisory work, Align Your Nine. He reminds the room that “no is a complete sentence,” and that fewer, better things often unlock the next chapter.Then Alan Whitman, author of Break the Mold, unpacks the journey of transforming and scaling a traditional CPA firm—and why his 2026 must be Intentional, as he prepares to step into a new CEO role for a private equity-backed platform built to manage, protect, and grow prosperity for SMBs. He shares a practical speaking lesson that sticks: if you're trying to stop saying “um,” don't replace it with more words—replace it with a pause.Mike Modica adds the operator's perspective: Discipline and becoming Replaceable—not to disappear, but to scale through systems, trust, and leadership development in a high-stakes world where mistakes cost real money.And Matt McHale stitches it together—stewardship, leverage, and discipline—showing how relationships, consistent learning, and leadership development create compounding returns.If you're stepping into 2026 with a word, a vision, or a calling—this episode will sharpen it.

Are you building a business but still feeling unsure about taxes and money moves? In this conversation, I sat down with Laura Zarrate, CPA, to break down what every small business owner needs to know. We talked about the truth behind LLCs, write-offs, and quarterly taxes—plus the mindset shift it takes to go from employee to entrepreneur. Laura also shared her powerful perspective on defining wealth beyond just money—because for many of us, it's about freedom, time, and familia.Chapters:00:00 – Meet Laura Zarrate, CPA: Latina Entrepreneur & Tax Expert06:25 – LLCs and Taxes: What Small Business Owners Need to Know11:52 – How Quarterly Taxes Work (and How to Stay Ready)16:17 – Small Business Write-Offs: What You Can (and Can't) Deduct22:47 – Shifting Your Sales Mindset: Charge Your Worth with Confidence26:09 – Redefining Wealth: Freedom, Family, and Time Over Money

Have you ever left a meeting with your accountant feeling… kind of dumb? Like you should know more, do more, or just be better with your money? Yeah, me too. It's this weird, quiet shame that so many of us carry, and we rarely talk about it.My guest today, Serena Shoup, a CPA and bookkeeping CEO, gets on her soapbox about this within the first five minutes—and I was HERE for it. She calls out the condescending, shaming B.S. that can happen in the financial industry and gives us all permission to expect better. (And yes, that includes firing people who make you feel like crap about your business. Mic drop.)This conversation is about so much more than just numbers. We get into Serena's incredible story of building her firm as a “side hustle to motherhood,” how she accidentally created a second business teaching other bookkeepers, and the market shifts she's seeing firsthand in her clients' financials. If you started your business around the 2020 online gold rush, you NEED to hear her insights on what's actually working now.This episode is a masterclass in stripping away the fear around your finances and learning to see your numbers not as a report card on your worth, but as a powerful tool to help you build a business—and a life—that you actually love.What You'll Learn in This Episode:The #1 reason you feel shame around your numbers (and why it might not be your fault).Why mixing business and personal funds is killing your clarity.How a $27 PDF pre-sold to 50 people launched a whole new business.What's really working in the post-2020 course market (from a CPA who sees the data).Using your P&L as a tool, not a report card, to build a business you actually love.>>CONNECT WITH SERENAYOUR NEXT STEPS

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In this episode Brian and Jeff discuss economic concerns for 2026 and what your CPA needs to know before they file your taxes. 

In this episode, Chris Papin, CPA & Attorney, Owner & Operator, Papin Speaks, shares insights on leadership, time management, and clarity, including how high performing business owners use their “168 hours”, balance execution with reflection, and stay disciplined through growth, setbacks, and change.

Keith explores why the real goal of building wealth isn't luxury—it's protecting yourself from the emotional and practical pain of money stress.  You'll hear how owning the right kinds of assets can change your lifestyle options over time, and why waiting on the sidelines can quietly erode your financial future. Keith also pulls back the curtain on a major, often overlooked force that has helped keep real estate values resilient for years, and what that means for anyone thinking about adding more property to their portfolio.  Finally, you'll get a sense of the kinds of opportunities and strategies listeners are using right now to move from just getting by to playing to win in their wealth building journey. Episode Page: GetRichEducation.com/587 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, more important than building wealth is avoiding poverty. It's backed up by research. Learn about a force that constantly gives a boost to real estate values that you probably haven't considered before, and own assets or get left behind. I discuss a plan for doing it today on get rich education.   Speaker 1  0:29   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Dar es Salaam Tanzania to Darlington, South Carolina, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education the voice of real estate investing since 2014 and it's a new year, part of the reason why you need to build durable wealth for yourself is actually not to be wealthy. It's really to avoid a lack of wealth. It's in order to pad yourself against poverty. Now, shortly, I want to talk to you more aspirationally if you are or soon plan to make 500k per year or more.    Keith Weinhold  2:15   But first, there are a number of studies that show that beyond a certain level, more wealth barely increases your happiness level. In fact, if you ask many people, they say that doubling their income or doubling their net worth is what they really want, like, that's their goal. Like, in their mind, that's the benchmark in which they've made it. And you know what, when they double their income, though, then they want to double it again. They think that that is the next benchmark. So there can be this endless amount of wanting, because once you've doubled, you just want to keep doubling. But what's really more important is padding against money problems, because if having a little more doesn't change your happiness much, well, it's poverty that can really diminish a level of happiness and fulfillment in your life. So money problems don't just hurt your wallet. They actually hurt your emotions. And this isn't just some motivational poster idea, the statistics are clear. Multiple studies show that when money is scarce, when paying the regular bills feels like a monthly street fight, people report more sadness, more worry and even depression, not just sometimes, but constantly. The reality is that about 71% of Americans say that money is a major source of stress. My gosh, more than seven out of 10. So that's not a fringe category. That's the norm that say money is a major source of stress. Another study found that 42% of adults say money negatively affects their mental health. So close to half of the people walking around you right now feel emotionally beat up by their financial situation, and the gap gets even wider when you compare groups, when people experience serious financial hardship, nearly half, 49% show signs of depression among people without any financial hardship, only about 11% of that group show signs of depression. And Northwestern Mutual did an extensive study on all this. So it's not just a small difference, it's a completely different emotional reality, almost like two separate worlds. To put it plainly. For you, money will not guarantee happiness, but a lack of money can absolutely fuel sadness, and this matters. Because financial confidence isn't just about dollars. It's about dignity. It's about feeling like you're able to breathe, and it's about believing that your future can be bigger than your past. I mean, the research also shows the relationship flows in both directions. Money stress can make mental health worse, and poor mental health can make financial decision making harder. So it's sort of this loop, this cycle. And what breaks the cycle? It's not luck. It's not hoping the economy magically fixes all of its problems. It is going on offense, taking steps that build security instead of surrender, for most people, that turning point comes when they start owning assets, not just paying bills. It comes when money stops being a source of fear and it starts being a tool. Because though we focus on real estate investing here at GRE but ultimately it is a lifestyle improvement show. And before we're done today, I'm going to talk about what you can actionably do to go on offense. Now, what if you already have a higher income, or you expect to make a high income in the near term, if you're earning roughly $500,000 per year or more, and you value time efficiency in making sure that you don't live a rough quality of life. You are on the threshold of a tier that helps ensure that you can avoid some misery. Yes, there is a step change here that can help ensure you have a higher standard of living. Do you know what I might be talking about? Any idea 500k of income is where it begins now. It's only beginning here. At this point, to make sense, where you tilt into starting to fly private instead of flying commercial. Yeah, private flights. Now your situation is going to depend on more than just the income. It's whether or not you're single or you have kids and more, but it's at this income level where you can start to cover a $10,000 flight without biting into your essential living expenses. It's most justifiable when your time savings or your productivity gains translate into real value. I'm talking about things like business deals, meetings and schedules and the benefits of flying privately are pretty significant. Time efficiency is the real superpower here, drive up to the plane, wheels up in minutes. The flexibility is there. You can leave pretty much when you want. You can change your flight plans mid trip if you need to. You get access to smaller airports. That means you can land closer to your final destination and skip big city traffic congestion. You've got privacy and security, no crowds, no TSA stuff. You've got quality of experience, comfort, quiet cabins, custom catering, no competing for overhead bin space. Now even affordable private is still pretty expensive. It is substantially more than first class commercial seats, and I have had limited experience flying private, but at 500k of income, flying private can still feel like a stretch, even though it's doable for you, a more comfortable range is a million dollars or more of annual income, that's when private flights feel much easier to justify for business or lifestyle. Now, with $2 million of annual income or more, most heavy private flyers live here in this range, the $2 million plus income level, they can charter, they can fractionally own, or they can use memberships, all with less stress. When you earn this much, and if you're ultra high net worth, we're talking about $5 million worth of income plus or $20 million worth of net worth plus, well, then private flying is really commonplace. This is where you often have a personal jet, concierge services and flexibility on demand. So as the first episode of the year here, I want to give you some opportunity to dream and goal set. Yeah, you need to stretch out and give space to your aspirations sometimes, and this is a good time to do that, really, though, a more important reason for increasing your income and net worth is that it helps you avoid the discomfort of poverty. But yeah, come on, if nothing else, can you believe that before every commercial flight you have to hear that nonsense about how to inflate a raft if you're. Plane crashes in the water, or you could use your seat as a personal flotation device. Come on your seat. Can't even support your back for a three hour flight. If there's ever been a reason to invest Well, it's so that you never have to hear that stuff again before every flight chase    Keith Weinhold  10:19   last week here on the show, you'll learn more about how stable real estate prices are, why prices have never crashed in your entire life, and also why they can't double in one year. Real Estate is too slow moving 30 days between you making your offer and you closing the deal, that's actually considered pretty fast. In fact, if national home prices ever crash, I will legally change my first name to Fabrice, yes, Fabrice, I would also do that if they doubled in a year. It is almost impossible for either of those things to happen. You learned about how these things have not happened in your entire lifetime on last week's show, yes, even in 2008 in the last 85 years, nominal home prices have risen every single year, except seven of them now. Why is that? Why are the prices of US housing so resilient and just keep going up up up, almost inexorably? Well, it's actually more than just the main well documented reasons that you know about and that we've talked about here. It's about more than these attributes, like population growth, household formation, wage growth, inflation, eroding the currency and land scarcity in desirable areas beyond all of those, one reason that home values just keep going up, up up and are expected to rise again this year is something that We have not discussed yet, and that is government intervention? Yes, in the US and a lot of world places, housing is not a free market. We have a free ish market that sort of comes with training wheels and support animals. Think about how the government helps ensure that home prices stay propped up even through most recessions. We're talking about attributes like ever expanding loan access and mortgage interest deductibility. Then there's depreciation in write offs for investors like us and property tax structures that lag market value when loans have lower down payment requirements or a lowering of credit score requirements and ever expanding loan limits in terms of dollar amounts, well, that increases the demand for those that have the capacity to pay, and it nudges up prices even more incentives, like deducting your mortgage interest in tax depreciation when you don't even have a real expense, but yet you get to write it off anyway. It all heaps on the government driven demand for real estate Now none of these individual things, these government interventions, raise prices overnight, they increase demand structurally. There's evidence that the government is doing even more in recent years to prop up housing demand than they have in the past. This is increasingly a propensity to not let housing fail like it did in 2008 I mean, just look at covid During 2020, and 2021, what a glaring example of how government will prop up home values and not let them fall down if you lost your job during covid. Oh, we'll give you mortgage loan forbearance. That's where you could skip. Oh, just say nine monthly payments, and then you can just tack those nine payments onto the end of your 30 year loan and make those payments decades from now. There was a foreclosure moratorium in effect then too, so you've got forbearance and low rates and stimulus checks and a ban on foreclosures. Well, all of that helped borrowers make payments, and that supported home price growth. There was no fire sailing, really, that could have taken place then, and you will recall that during that time period, in fact, the year 2021 national home prices soared 19% so housing is not a completely free market. You really don't have to look very far to know that. I mean, Fannie Mae and Freddie Mac are both still government sponsored and still in conservatorship. And here's the thing, so far, I've only talked about how government has propped up the demand side. Side of the market. I've only talked about half of it. Don't forget the sometimes unintentional supply restriction the governments induce as well keeping housing supply in check. Well, that helps drive price appreciation. I'm talking about the zoning spaghetti that new homebuilders have to navigate through the permit purgatory, minimum lot sizes that can seem larger than some European countries, environmental reviews that last longer than the movie Avengers. Endgame was that a three hour, two minute movie, all of these roadblocks limit new housing supply that makes it harder to build. So governments provide an ever present tailwind to housing values by both boosting demand and by crimping supply. Government amplifies these forces, sometimes intentionally and sometimes unintentionally, but the result is the same propping up housing values. If all these years since coming out of the Great Recession have shown us anything, and the 2020 pandemic reinforced it, it is to either own assets or get left behind. You've got to own assets or you will be left behind, and that's whether you're trying to stay away from poverty, like I talked about at the top of the show, or whether you're aiming to fly private instead of commercial, something more aspirational, really. That's the lesson I've got more straight ahead here. There will only ever be one get rich education podcast episode 587 and you're listening to it.    Keith Weinhold  16:43   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  17:54   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dana Dunford  18:27   this is hemlane's co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith,   Keith Weinhold  18:45   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking about new angles with respect to how the future belongs to asset owners. Every year, people say, This is my year, but only a few actually take the action to back that up and make it come true. One thing that I've learned is that people love saying, I want an opportunity, but what they really want is certainty. Unfortunately, certainty only shows up after opportunity is gone. History is full of people who walked past moments like this now owning more of an asset like real estate today, and instead they just look and say, Oh, it's probably nothing. Well, what about alternatives? What's your employer's plan for you? I mean, really, what's a typical employer's plan for employees spend 40 years here at this desk, and I guarantee that you'll become moderately comfortable with a nice 401K balance that you can start withdrawing from by the time you're age 65 at which time you'll start paying taxes on it too. So really, that's it. That's their plan for you. Yes, that's their plan for you. Though, as you know, I do not forecast mortgage rates. No one, not one analyst or rating agency, expects mortgage rates to fall substantially any time soon as we look at the real estate landscape, in fact, among 21 different major research groups, which include PNC Bank, Redfin, Moody's, wells, Fargo, the NAR totality, if you average what their forecasts are, one year from now, mortgage rates are expected to be at the same level that they are today, which is about 6.2% if you want to add more assets, prices are probably only going to be higher one year from now. The Fed is involved in QE like behavior again, which resumed last month, that gives the effect of more money printing, and it provides an environment for a continued price run up across not just real estate, but nearly every asset class. Current CPI inflation is 2.7% and long term inflation expectations are elevated. The Fed is cutting rates. The current Fed funds rate is about 3.6% and the President wants the Fed funds rate cut to 1% central banks are stockpiling gold, and the US dollar just had its worst year since 2017 so a lot is lining up to keep supporting housing values. Now, when we zoom out, starting back in 2012 us home prices have now risen 14 years in a row, and the average annual gain since that time is about 6% which is sustainable and close to historic norms. Year after year. Some people keep waiting for the right moment, and meanwhile, the right moment just keeps passing them by. And look, now here's a really interesting way for you to look at things from a long time investor like me, I have bought a wide variety of investment real estate over the years. I bought single family homes to both live in and single family homes to rent out vacant land, agricultural parcels, small apartment buildings and larger apartment buildings on every single one at the time when I purchased it, it was the most that anyone had ever paid for that property in that property's history, and if there were bids and I ended up getting the property, then I was the highest bidder as well. So on. Effectively, every single property purchase of my life, I paid more than anyone ever. And if someone had no understanding of the real estate market. They might think that that sounded bad, like I executed with a poor strategy or a lack of experience or direction, but that's just usually how it works in real estate, with the incessant postulation of almost unceasing appreciation and inflation, and years later, when it was time for me to sell the property, what were those conditions like? What happened then? You guessed it, I sold it for the most that it had ever sold for. So for that next buyer, that was the most then that anyone had ever paid for the property in history, yet again, and if it was a bidding situation, chances are I sold it to the highest bidder. So therefore, that has nothing to do with luck, that has nothing to do with timing, that is simply being an active participant in the real estate market and enjoying the leverage and all the other benefits all the while. So history shows that trying to time things based on market conditions or what you think market conditions are going to be, that does not work. What does work is owning more assets sooner. Every property that you purchase, expect to pay more for it than anyone ever has in that property's history. And then every property that you sell down the road, expect that you're going to sell it for more than what anyone has ever sold it for. Historically, that is normal. Now if your net worth is below $1 million or even below $5 million you really can't play the game not to lose. That's what keeps people stuck. You've got to play to win. The world already has your money. If you want access to it, you have simply got to go out. Out and get it. You play offense now, and you can play defense later, when your financial position is where you want it really and here's a huge insight, more money is lost trying to avoid a downturn than is lost actually being in the market when one finally happens, like I've discussed lately, real estate price downturns are uncommon. Sitting out and waiting is a wealth killer, because even if a downturn does happen, well, if you're already invested, you are positioned for the upturn. You're going to get the full measure of the upturn. That's where the real gains are, and this is where real estate is different. Leverage just keeps working for you. In the background, your 401, k does not do that. There's no leverage beyond maybe a two to one employer match, and then you get taxed when you finally touch the money. Some people like to gamble a little play a prediction market like poly market. Have something in Bitcoin, maybe even have exposure to a risky altcoin. I guess the NFL playoffs start this coming weekend. Some people want to bet on that and have their fun. Maybe even be invested in a high flying tech stock, or even the sp500. These vehicles rarely build wealth when you're actually young enough to enjoy it, because you're probably unleveraged there, you're exposed. You've only got your dollars working for you, not others, and you sure can do some of that day to day stuff. Go on polymarket and bet on when man will first land on Mars or something. Have your fun while the real wealth is built by the quiet, slow moving leverage of your larger real estate portfolio. In the background. Real estate, you can put 20 to 25% down on a 200k income property and control the whole thing. That's what investors are doing with our GRE marketplace properties right now, often in a low cost market like, say, Kansas City or Memphis, say that, for example, you're looking to add four doors this year, four rental units. Now that might take the form of one duplex and two new build Florida single family rentals. Now, with about 250k you can control $1 million of property adding assets this year. And here at GRE our nationwide provider network connects you with the real deals, and our providers often tell us about them before the public knows, for example, the properties where the builder still in this environment buys your rate down to perhaps four and a half percent. That is still happening. And why do the properties that our GRE investment coaches connect you with seem like such good deals at times? Well, there's a few reasons for that. Investor advantage markets just intrinsically have low prices. There's no agent that you have to compensate. It's a direct model that keeps the price down. These providers provide homes in bulk that helps keep the price down. And since we're dealing with investment properties, income producing properties, there are not any of these owner occupied emotions, so you don't get unreasonable sellers that hold out for a high price because there's some sentimental attachment there, or something like that.    Keith Weinhold  28:38   Let me give you three examples of real properties that our GRE investment coaching helps connect you with right now, and this is the place to be entry level homes, because entry level homes are few long term you are going to own a scarce asset that everybody wants. The first one is a brand new build single family rental in Cullman, Alabama. That's right between Birmingham and Huntsville, booming Huntsville. Now this property is currently vacant. However, it's in an A class neighborhood, so good appreciation potential, but less cash flow on this one, the rent is $2,100 the purchase price is 317k Yes, just 317k for this five bed, three bath, 2500 square foot rental, single family home. That's new build. One advantage Alabama has, and why we often have available Alabama properties is that really low property tax in that state you're going to benefit from a low fixed expense ratio over the long term. Alabama, property taxes are well under 1% per year as a percentage of the property value. In fact, at less than 410 Tax of 1% Alabama has the lowest property taxes in the entire continental United States. Only Hawaii has a lower one, where you're going to find a national average of 1% or a little more than 1% the second property is also brand new construction. It is a duplex in Goddard, Kansas, which is outside Wichita, each side of the duplex has three beds, two baths and 1300 68 square feet combined. Rents both sides are $3,500 and the purchase price is 447k and it is leased. Both sides are rented out. You can contact our free investment coaching and scoop up this or one like it today, and I'm looking at pictures of this really good looking new build duplex in the Wichita area. Looks like a two car garage on both sides, really attractive. And again, on these new builds, oftentimes the homebuilder is still buying down your mortgage rate for you, often under 5% the last one I'll mention, and I'm just giving you three samples to help give you an idea here. And if you're listening to this in a few years, you'll probably wish you could purchase these at prices this low. This last one is not new builds. Unfortunately, I can't quickly find the year of construction, but it looks older. It is a Kansas City single family rental, fully renovated. The cash flow numbers are super attractive. $2,100 rent on a purchase price of just $227,500 and free property management for two years is offered here on this renovated Kansas single family rental. Our investment coaching can answer questions about it for you. When something's renovated, you definitely want to see what the scope of work is. And there are also larger properties available. If you're looking to trade up some of your properties with accumulated equity into something else, we can help build an entire portfolio for you, or you might currently be only invested in one market, where we can help you determine what second market might make sense for you based on your time horizon and your own goals. Hey, maybe you've got a private plane in a decade kind of goal, or maybe we'll help you find out that adding more property does not make sense for you at this time in your situation, even though the opportunities are pretty good right now, because compared to two years ago, the inventory to select from is wider today, And the mortgage rates are lower now too GRE investment coaches are your free trusted advisors. It's like having a silent partner on your deal, someone who gives you insight but doesn't take any equity. There's no compensation for you to provide at all. It's about your portfolio, your goals and your direction. And our coaches also help you with services related to managing your real estate assets long term, like your tax and CPA questions, legal questions, though, that's pretty limited, because we're not attorneys here. For example, what happens if you have an appraisal surprise and the appraisal comes in lower than the amount that you've contracted to buy a property for, we help you with something like that, any inventory issues or inspection issues and property management guidance that you might need. In fact, if you've engaged with our free investment coaching in the past, even a few years ago, and we helped you find a property and say, now you have some sort of property management issue. Let us know. Keep in touch with your GRE investment coach. You tell someone like Naresh here, and he will step in. And when you set up a time to chat, which you can do at greinvestmentcoach.com There's really nothing special that you need to do to prepare if you can bring a 20% down payment. Now the ball is already rolling, and in today's environment with closing costs, that's usually about a 50k minimum. It helps if you're pre approved for a mortgage loan with Ridge lending group, or whomever your lender of choice is. What's interesting is that these deals are good. These are real estate pays five ways, properties that our coaches help connect you with. So sometimes we are buying these properties ourselves here at GRE. We have in the past, but there is no way we can buy them all, not even close. That means that an opportunity remains for you. Yes, we are real estate investors ourselves here at GRE, right now, there are better properties available than ones that we've bought ourselves recently, and there is more overall selection too. You can easily see the coach's calendar, select a time and then have a phone call or a zoom chat, whatever you like. If. From there. Our coaches usually give you their phone number, so then later, you can even text them. Our coach, Naresh, he responded to someone on Thanksgiving. That's the level of dedication here. So here's the next step. Book a time at GREinvestmentcoach.com you can do that now. That's where the calendar lives. There's no back and forth. Just pick a time right there that works. It's Free. Select a 30 minute time slot, and lately they've been available seven days a week. And you're going to walk away with clarity on your goals, your timeline and what's realistic for you, if you're tired of watching from the sidelines, tired of trying not to lose, tired of waiting for perfect conditions, and conditions are never perfect, well, this is your moment to play to win. It's pretty easy to remember to connect with a GRE investment coach. Visit greinvestmentcoach.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  36:10   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  36:38   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Most small business owners grind day after day… and still have no idea what their real numbers are. They "guess" what their sales are, hope their profits are there, and then wonder why every year feels the same. Today, we break down why knowing your numbers is the key to breaking the cycle. You'll learn how simple the formula really is Sales – COGS – Expenses = Profit and how it connects directly to your Profit & Loss report. Once you understand the flow of money through your business, you can finally stop repeating the same year over and over and start making smarter, more profitable decisions. Tons of sales mean nothing if there's no profit. Make this the year you learn your numbers and drive those profits up!  -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

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Money has a way of reaching places in our lives that nothing else does. It touches our fears, our desires, our relationships, and our sense of security. That's why Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21).Jesus wasn't merely offering financial advice—He was revealing something deeply spiritual. Money issues are rarely just about money. They are heart issues. Our financial lives quietly expose what we trust, what we desire, and what we believe will ultimately take care of us.A Lesson From a Hillside in KenyaYears ago, Ron Blue shared a story that reshaped our understanding of stewardship.Ron was sitting on a hillside in Kenya with a local pastor, overlooking the village below. Curious, Ron asked what he assumed was a practical question: “What is the greatest barrier to the spread of the gospel here?” He expected the answer to be a lack of money, transportation, or resources.The pastor didn't hesitate. “Materialism,” he said.Ron was stunned. Materialism? In a village of mud huts?The pastor explained, “If a man has a mud hut, he wants a stone hut. If he has a thatched roof, he wants a metal one. If he has one cow, he wants two.”In that moment, Ron realized something profound: materialism isn't about how much you have—it's about what your heart longs for. If materialism can thrive in a mud hut just as easily as in an American suburb, then money itself isn't the root problem. The heart is.Money as a MirrorMoney is not moral or immoral. It's a tool. But because it touches nearly every area of our lives, it becomes one of the clearest mirrors of what's happening inside us.When we overspend, it may reveal a longing for identity or approval.When we cling tightly to savings, it may expose where we seek security.When we fall into debt, it may reflect impatience or a desire to live beyond God's provision.When we resist generosity, it may reveal fear that God won't come through.In every case, the dollars are secondary. The heart is primary.God's Invitation to FreedomThe good news is that God cares deeply about the state of our hearts—and He invites us into freedom. Freedom from fear. Freedom from comparison. Freedom from striving. Freedom from the quiet belief that everything depends on us.Over the years of studying Scripture and walking with individuals and families through financial decisions, a few foundational truths have continued to surface.1. God Owns It AllOwnership determines responsibility. If everything belongs to God, we stop clinging to money as if our lives depend on it. Instead, we manage it as stewards—grateful, humble, and free.2. God Is Our ProviderScripture reminds us that God feeds the birds and clothes the lilies—and that we, His children, are worth far more. When we truly believe that, fear begins to loosen its grip.3. Money Is a Tool, Not a TreasureMoney was never meant to carry the weight of our identity or security. It was meant to serve God's purposes—meeting needs, blessing others, advancing the gospel, and reflecting the generosity of the One who gave everything for us.4. Financial Decisions Are Acts of WorshipEvery spending choice, every act of saving, every moment of generosity becomes an opportunity to honor God. When we begin asking, “How can I serve You with this?” money stops being a rival and becomes a means of discipleship.Rediscovering Our Ultimate TreasureThese truths aren't theoretical. They shape every page of our new devotional (coming out next month), Our Ultimate Treasure—a 21-day journey to faithful stewardship. We wrote it to help readers see how deeply biblical principles shape everyday financial decisions.Our prayer is that as people walk through it, they'll experience peace where fear once lived, contentment where comparison once thrived, and generosity where self-protection once dominated.Ultimately, money will reveal what we treasure most. And when Christ is our ultimate treasure, we discover a freedom that no amount of money can ever provide.That freedom isn't found in having more—but in trusting more deeply.On Today's Program, Rob Answers Listener Questions:My wife and I are both over 65 and have a financial planner, CPA, and estate attorney. On paper, everything seems in place—but my wife doesn't feel confident. She's really looking for someone to act as a ‘quarterback' for our finances. Is it reasonable to expect a Certified Financial Planner to coordinate everything, including budgeting, or should that role belong to someone else?I pay my credit cards off in full every month and don't have any debt in collections. I received a suspicious-looking notice and didn't click it because I wasn't sure it was a scam.I know many people now take the standard deduction since it's higher, but I've heard that charitable contributions can still be deducted even if you don't itemize. Is that true? I thought that could encourage giving to nonprofits.I owe about $5,500 on my car, with a $185 monthly payment. It's starting to require frequent repairs, and it's probably worth around $4,000. Since the bank holds the title, what are my options? Can I sell it, or am I limited because the car is the collateral for the loan?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Biggest Thing Holding Your Law Firm Back From Success If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

If you're stepping into 2026 determined to improve your cash flow, protect your rentals, and scale smarter, this episode is for you. We're kicking off the year by talking about the real opportunities available for landlords in 2026 — and the roadblocks that keep so many people stuck. Before you make another move, you need clarity on what's holding your portfolio back and how to break through it this year. Inside this episode, I'm sharing three simple but powerful ways to cut your expenses as a landlord — strategies most investors overlook, even though they can save hundreds (and sometimes thousands) each year: • How smart thermostats and routine HVAC servicing prevent expensive repairs • Why an annual insurance review is non-negotiable — and how raising your deductible can reduce premiums • How disciplined landlords can manage property taxes through a high-yield savings account • why hiring a real-estate-friendly CPA is one of the most profitable decisions you can make in 2026 These changes aren't flashy — but they are transformative. This is how you protect your cash flow, strengthen your rentals, and scale with confidence this year. And if you're ready to remove the roadblocks that have been holding you back, make sure you're registered for my free January webinar: ✨ REGISTER FOR MY FREE CLASS The Biggest Roadblocks Keeping Landlords From Scaling — and How to Fix It January 20, 2026 at 7PM ET via Zoom ​​https://owningitandlivingit.com/landlord/  Come to my Conference!✨ Early Bird for The OILI Experience 2026 is now open. Grab your ticket before the prices increase! https://experience.owningitandlivingit.com Book a Call to Work With Me in 2026!✨ Would you like to work with me this year? Book a call with me! https://calendar.app.google/NMFNL2CYYPMP1FZn7 FOLLOW FOR MORE: YouTube for long-form episodes + IG for daily reinvention content. https://www.instagram.com/erikabrowninvestor/

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This episode breaks down the new tax rules that let business owners write off more than ever before. You'll learn how 100% bonus depreciation works, how to use simple tax strategies, and why smart tax planning helps you keep more money in your business. We walk through vehicles, equipment, buildings, and upgrades you can deduct in year one. You'll hear real examples of owners saving big with tax savings and finance advice they never got from their CPA. Everything is explained in clear, easy steps so you know what to do next. If you want to keep more of what you earn and make better money decisions, this episode shows you how. Listen now so you don't miss the biggest tax opportunity in years.   Next Steps:

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CTL Script/ Top Stories of January 2nd Publish Date: January 2nd   Pre-Roll: From the Ingles Studio Welcome to the Award-Winning Cherokee Tribune Ledger Podcast  Today is Friday, January 2nd and Happy Birthday to Cuba Gooding Jr. I’m Chris Culwell and here are the stories Cherokee is talking about, presented by Times Journal Cherokee County’s Development Service Center going cashless Cherokee County musician Kurt Lee Wheeler performs in movie MLK Day Unity Breakfast returning to Canton after hiatus Plus, Leah McGrath from Ingles Markets on breads We’ll have all this and more coming up on the Cherokee Tribune-Ledger Podcast, and if you’re looking for Community news, we encourage you to listen and subscribe!  Commercial: INGLES 9 STORY 1: Cherokee County’s Development Service Center going cashless The Cherokee County Development Service Center is now cashless—no more bills or coins at the counter. If you’re handling business licenses, building permits, alcohol licenses, or even motorized cart registrations, you’ll need to pay with a card, check, money order, or online. The office, located on the ground floor of the county’s admin building in Canton, says this change will speed things up and make transactions more secure. So, plan ahead—no cash, no exceptions. Got questions? Call 770-721-7810 or email dsc@cherokeecountyga.gov. And hey, for more details, check out their website. STORY 2: Cherokee County musician Kurt Lee Wheeler performs in movie Kurt Lee Wheeler’s had plenty to smile about this holiday season. By day, he’s teaching at Creekland Middle School in Canton—a job he loves. But outside the classroom? He’s been busy releasing a new album and making his movie debut. After hearing his music, producer and actress Roberta Sparta invited Wheeler to perform in The Secret Life of a Good Wife, a Lifetime movie that premiered Thanksgiving Day. In a scene shot in Acworth, Wheeler and his band played during an outdoor gathering. Wheeler’s new album, Lathemtown, features some of the best bluegrass talent around, including Aaron Ramsey and Jake Stargel. A Cherokee County favorite, Wheeler’s also known for writing the county’s official song and performing at countless local events. With retirement from teaching on the horizon this May, Wheeler’s looking forward to traveling, spending time with his new grandchild, and, of course, making more music. STORY 3: MLK Day Unity Breakfast returning to Canton after hiatus  The MLK Day Unity Breakfast is making its long-awaited return to Canton on Jan. 19 after a six-year break. This free event kicks off at 8 a.m. with breakfast at the Cherokee County Conference Center (1130 Bluffs Parkway), followed by a program at 9 a.m. honoring Dr. Martin Luther King Jr.’s legacy of equality, justice, and service. The keynote speaker? Canton native and weather-climate expert Dr. James Marshall Shepherd, a Cherokee High valedictorian who’s advised NASA, Congress, and even the White House. The program will also feature local leaders, a community choir, creative dance, and the CFCC Unity Award Presentation. For more info or to donate, visit cfergusoncc.org. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info.    We’ll be right back. Break: INGLES 10 STORY 4: Johns Creek holds off Cherokee Cherokee had its shot—literally—but couldn’t quite close the deal, falling 69-63 to Johns Creek in Monday’s Lemon Street Classic at Marietta High. Down two with 33 seconds left, Polk Corben’s steal and layup gave Cherokee life. Then Johns Creek missed two free throws, leaving the door wide open. But Braylon Luster’s potential game-tying shot? Off the mark. Forced to foul, Cherokee watched the Gladiators ice it with four free throws. Tatum Holmes led the Gladiators with 25 points, while Kaysan Brock added 13. For Cherokee, Sean Williams and Braylon Luster each dropped 21, with Luster sparking a furious fourth-quarter rally. Trailing 58-46 after three, Cherokee clawed back with a 10-2 run, cutting the lead to one. But Brock’s clutch three-pointer with 1:33 left sealed the Gladiators’ win. It was a back-and-forth battle early. Cherokee’s hot start from deep gave them a 9-2 lead, but Johns Creek answered with a 12-4 run, fueled by three triples. By halftime, the Gladiators clung to a 30-28 edge. In the end, Cherokee’s fight wasn’t enough. FALCONS: The Falcons’ season, a rollercoaster of confusion and chaos, somehow got even weirder Monday night. Already eliminated from playoff contention weeks ago, Atlanta (7-9) pulled off a dramatic 27-24 win over the Rams, their third straight victory in a season that’s been equal parts frustrating and baffling. Zane Gonzalez nailed a 51-yard field goal with 21 seconds left, capping a game where Atlanta blew a 21-point lead but still managed to hang on. It’s been that kind of year—beating Super Bowl contenders like Buffalo and L.A., but losing to teams like the Jets and Panthers. Go figure. Bijan Robinson was unstoppable, racking up 195 rushing yards, two touchdowns, and a highlight-reel 93-yard run that left jaws on the floor. But let’s not sugarcoat it—this season’s been a mess. Special teams? A disaster, with yet another blocked field goal returned for a touchdown. The Cousins signing? A head-scratcher. And yet, somehow, the Falcons are ending the year on a high note, showing flashes of the potential fans expected back in August. For now, though, they’ll be watching the playoffs from the couch—again. I’m Keith Ippolito and this is your tribune ledger sports minute. STORY 5: New laws will address professional services, homeowner protections, car owners and politicians  While most laws from this year’s legislative session kicked in back in July, a few big ones kicked off on New Year’s Day. They tackle everything from dentist shortages to car tags, with a little campaign finance reform thrown in for good measure. Take House Bill 148, for example. Rep. John Carson, a CPA from Cobb, is trying to fix Georgia’s accountant shortage. His bill updates a 30-year-old licensing system, making it easier to become a CPA and letting out-of-state firms work here without opening an office. Then there’s House Bill 567, aimed at solving the dentist drought. Rep. Katie Dempsey’s bill allows licensed dentists to practice online—yes, teledentistry is now a thing—and ensures dental plans cover it. Homeowners get a win, too. Senate Bill 35 doubles the notice period for nonrenewal of certain insurance policies to 60 days. And Senate Bill 112 makes HVAC warranties transferable to new buyers and bans those annoying “register your product or lose your warranty” rules. Campaign finance? Senate Bill 199 tightens the rules, requiring PACs to keep detailed bank records and file disclosures with the State Ethics Commission. Oh, and candidates can’t be investigated within 60 days of an election. And for the patriotic crowd, there’s Senate Bill 291. It introduces a new license plate with the American flag and “America First” slogan. Proceeds go to the state’s general fund. And now here is Leah McGrath from Ingles Markets on breads Commercial: We’ll have closing comments after this.   COMMERCIAL: INGLES 1   SIGN OFF –   Thanks again for hanging out with us on today’s Cherokee Tribune Ledger Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.tribuneledgernews.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

Book your FREE financial discovery call at ProfitREI.comIf your business is profitable on paper but your bank account tells a completely different story, this episode is for you. I hear this all the time—business owners doing great revenue, being told by their CPA that they're profitable, yet still feeling broke, stressed, and unsure where the money is actually going.In this episode, I break down why this disconnect happens and why it's almost never a revenue problem—it's a system problem. I share real conversations with business owners, lessons from my own entrepreneurial journey, and how implementing a simple framework like Profit First can completely change how you experience money in your business—without spreadsheets, accounting jargon, or overwhelm.Timeline Highlights:[0:00] Why so many profitable businesses still feel broke and financially stressed[1:04] The frustration of doing all the work but not getting to keep the money[2:30] My personal experience running high-revenue businesses with no financial clarity[3:17] How discovering Profit First changed the way I looked at money forever[4:18] A real client story of digging out of the hole by fixing cash flow first[6:07] Why entrepreneurs struggle with numbers—and why that doesn't have to stop you[7:08] The “Golden Trio” of bank accounts that helps you finally keep what you makeKey Takeaways: Profit doesn't matter if you never actually see it in your bank account. Most entrepreneurs don't have a money problem—they have a money system problem. Revenue alone won't create financial freedom without intentional allocation. You don't need to love spreadsheets to understand and control your numbers. Separating money into purpose-driven bank accounts creates clarity and control. Keeping profit, paying yourself, and planning for taxes must happen first, not last.Links & Resources:Schedule a free discovery call and get guidance on implementing Profit First: profitre.comClosingThanks for spending time with me today. If this episode gave you clarity or a new perspective, make sure to follow the show, leave a review, and share it with another business owner who's working hard but still feels broke. And if you're ready to apply what we talked about with real guidance and accountability, head over to profitre.com and book a free discovery call to start building your path to financial clarity and freedom.

In this episode of The AZREIA Show, hosts Marcus Maloney and Mike Del Prete sit down with Sharon Lechter, renowned author, CPA, and financial literacy expert. Sharon shares her journey from becoming a real estate investor at age 10 to co-authoring Rich Dad Poor Dad and expanding the legacy of Think and Grow Rich. They dive into real estate investing, wealth mindset, financial education, overcoming fear, and the power of association in building long-term success. Sharon also discusses her work with the Napoleon Hill Foundation, Outwitting the Devil, and why controlling your thoughts, words, and actions is critical to financial freedom. Perfect for real estate investors, entrepreneurs, and anyone focused on financial independence. Key takeaways: 00:51 Meet Sharon Lechter 01:27 Early Real Estate Investing 03:42 Entrepreneurial Mindset 07:34 Financial Literacy Education 17:06 Napoleon Hill & Outwitting the Devil 27:31 Power of Association 28:14 Overcoming Fear 35:32 Purpose & Wealth Building 44:47 Final Thoughts

Welcome to another transformative episode of the Building Your Money Machine Show! Today, I'm tearing back the curtain on what really needs to change once you start building serious wealth—and the handful of things you must never change, no matter how high your net worth climbs.Getting rich doesn't automatically solve your problems—in fact, if you're not intentional, it can make them more expensive and complex. After more than 30 years as a CPA and money mentor, I've watched countless people hit their financial stride and then lose sight of what truly matters. That's why, in this episode, I walk you through the six critical areas to immediately upgrade as your income grows—while reminding you of five bedrock values and strategies to protect at all costs.Plus, I share the things that even the wealthiest among us should never abandon, like core values, gratitude, and the simple, powerful wealth strategies that got you here in the first place.It's not enough to just make money—you've got to build a life that's rich in every sense of the word. Let's dig in and ensure your money machine fuels a legacy that lasts.IN TODAY'S EPISODE, I DISCUSS:The 6 essential things you must change right away to reclaim itHow to create a “personal board of directors”The truth about health as your ultimate wealthBecoming a person with a living legacyThe 5 principles and strategies you must protect with your lifeHow complicated or exotic investments can endanger your freedom more than empower itAction steps to put it all in motionRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/12 Unsexy Habits That Made Me Serious MoneyWhat The 1% Teach Their Kids About MoneyThe Brutal Truth About Money Management No One Wants to HearYour Wealth Can Explode to $5M… But Only If You Avoid These Traps!Shocking Money Stats of The Average AmericanRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:12 Unsexy Habits That Made Me Serious Money: https://youtu.be/OjYgoVwFxWsWhat The 1% Teach Their Kids About Money: https://youtu.be/Wwud1_MzKsIThe Brutal Truth About Money Management No One Wants to Hear: https://youtu.be/prZWSsf8aasYour Wealth Can Explode to $5M… But Only If You Avoid These Traps!: https://youtu.be/86UuNod1KEcORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Alicia and Dan kick off 2026 by diving into 27 pages of notes from Intuit Connect's Innovation Circle. They break down upcoming changes to bank feeds (including confidence indicators and MasterCard receipt capture), the new payroll agent that handles timesheets via text message, enhanced tax impoundment processes, and Intuit Intelligence's business analytics features. Most innovations are rolling out between spring 2026 and early 2027, with some already appearing in testing.SponsorsUNC - https://uqb.promo/unc(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:48) - QuickBooks Online Innovations (01:44) - Bank Feed Enhancements (06:56) - Client Requests and MasterCard Integration (18:27) - Operational Software Hurdles Removed (19:27) - Text-Based Payroll Management (22:00) - Document Management and Employee Onboarding (28:12) - Tax Impounding and Auto Filing (35:02) - Intuit Intelligence and Business Analytics (42:46) - Upcoming Classes and Events LINKSAlicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=5393907Connect with DanSchoolofbookkeeping YouTube: https://snip.ly/SOBYT Free Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayQB Power Hour Webinar 1099 Strategies: Is QB Enough? - https://www.qbpowerhour.com/ We 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/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Thanks to our partners Promotive and Wicked FileHealth insurance premiums keep climbing — but 2026 could bring the biggest shakeup in years.In this episode of Business by the Numbers, Hunt Demarest, CPA with Paar Melis & Associates, breaks down what's happening in the small-business health insurance landscape after recent ACA subsidy changes — and why a new Republican-backed House bill could change how shop owners buy coverage and support their teams.Hunt explains the economics behind rising premiums, who's actually affected by the loss of ACA subsidies, and why shop owners may see new opportunities if association health plans and expanded health reimbursement accounts (HRAs) become available. Whether you already offer health insurance or you're considering it in 2026, this episode will help you understand what's real, what's political, and what's worth watching.Ideal for shop owners and managers who want clarity on benefits costs, recruiting strategy, and what changes may be coming in the next open enrollment cycle.What you'll discover…(02:00) The current state of small business health insurance — and why premiums keep rising 10–20% a year(05:40) How the ACA reshaped the market (06:30) What the new House bill is, why it's being debated now, and the January 31 deadline looming in the background(08:00) Who the loss of ACA subsidies impacts most — and why many shops may see little direct effect(16:10) Association health plans: how small businesses could join buying groups like big employers (and why that could lower premiums)(19:25) Health Reimbursement Accounts (HRAs): the tax advantage shop owners may finally be able to use more flexibly(23:45) What to do now: when it's smart to wait, when it's not, and why open enrollment timing matters(25:00) The future of health insurance for small businessesThanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network:

In this episode of Canadian Investing in the U.S., Glen sits down with Tim Miron, CPA, founder of Pursuit CPA, to walk Canadian investors through how to properly prepare for tax season, especially when dealing with cross-border real estate and business income. Tim explains why January–March is the ideal time to get organized instead of waiting until April, and highlights common bottlenecks that slow down tax filings. The discussion covers ITIN requirements, what documents accountants actually need (and what they don't), how to properly summarize rental income and expenses, and when large repairs should be reviewed more closely. The conversation also dives into cross-border reporting, including T1134 and T1135 filings, HST considerations for short-term rentals, Airbnb reporting rules, and why tracking exchange rates on major capital expenses matters. This episode is a must-listen for Canadian investors who want to reduce stress, avoid penalties, and make tax season smoother on both sides of the border.

If your law firm is already doing seven figures, or closing in on it, this year is not about grinding harder or piling on more tactics. It is about building something that works without you. Something that creates real value. Something someone else would actually want to buy. In this episode of Smart Lawyers Position to Transition, host Victoria Collier kicks off the year with a reflective conversation about what comes next for seven-figure law firm owners who are thinking beyond growth and starting to think about transition. Victoria explains why revenue growth does not automatically mean value growth, and why many firms that look successful on the outside feel heavy, fragile, and owner-dependent on the inside. Drawing from real valuation data and years of advising law firm owners, she breaks down the mindset shift required to move from operator to designer of a firm that is sustainable, transferable, and ultimately sellable. This episode is a wake-up call for owners who have built impressive revenue but are still the bottleneck for decisions, operations, and outcomes. What You'll Learn •⁠  ⁠Why growing revenue without growing value limits your future options •⁠  ⁠The critical difference between a profitable firm and a sellable one •⁠  ⁠Why seven-figure firms often become more owner-dependent instead of less •⁠  ⁠The three questions every law firm owner should ask to assess true firm value •⁠  ⁠How thinking like a buyer changes how you lead, design systems, and build teams If you are ready to start positioning your firm for transition, now is the time to listen. Victoria Collier is a seasoned attorney, entrepreneur, and expert in law firm sales and valuations. With a background in law and accounting, including her prior military service and CPA training, she brings a unique perspective on the financial intricacies of business valuations. Victoria helps transform law firms into more valuable and sellable businesses, guiding attorneys through life after law.   We want to hear from you! You can leave us a rating and review in Apple Podcasts. Click here and then scroll down the page to the rating and review section. You can also leave us a rating in Spotify by clicking here. Connect with Victoria Collier https://quidproquolaw.com/ Private Facebook Group https://www.facebook.com/groups/1284225722042602 LinkedIn https://www.linkedin.com/company/victoria-collier-coaching/      

Luigi couldn't make it to the mic this time… but don't worry, we had a special guest fresh off his sleigh: Santa Claus. That's right. After delivering toys across the globe, Santa himself dropped by to join Matt and help break down the Top 10 most-listened-to episodes of 2025. What's stuffed in the stocking: How to protect your brand from copycats Why profit isn't just about more revenue The emotional side of being a founder (and why that's normal) The secret weapon difference between a CPA and a CFO And the tax strategy that legally makes five-figure bills disappear   Ready to dive deeper into one of the episodes mentioned? We've got you covered: Ep 221: Navigating E-Commerce's New Challenges with Eric Youngstrom Ep 217: Building a Startup Is Ugly. Here's What Happens Behind the Scenes with Sahil Patel Ep 222: How to Own Your Idea: IP Moves That Actually Work with Austin Bonderer Ep 206: Bourbon, Branding & The Business of Food with Alex Sadowsky Ep 223: From Paperwork to Purpose: Launching a Nonprofit the Right Way with Missy Mastel Ep 205: Plan Like a Navy Commander, Win Like an Entrepreneur with Commander Mary Kelly Ep 228: Selling Your Business? Don't Get Screwed (Financially or Existentially) with Eric Brotman Ep 207: CPA vs CFO: Are You Trusting the Wrong Financial Expert with Teresa Wagonseller Ep 225: How to Turn What You Know Into What You Sell with Stephene Marinaro Ep 208: How This CPA Turned Storage Sheds Into Tax-Free Wealth with Sean Graham   As Santa said, no one made the naughty list this year, but these guests?  They brought the

Are you still guessing when it comes to 1099s? Most business owners are. And every January, that confusion turns into stress, penalties, and last-minute cleanup that could have been avoided.In this episode, Mike Jesowshek breaks down everything small business owners need to know about 1099-NEC and 1099-MISC forms, who needs one, who doesn't, the deadlines and the penalties that add up fast. If you want January to feel calm instead of chaotic, this episode gives you the clear rules and simple process to get compliant without overthinking it.

Get your FREE 7 Pricing Essentials for CPAs and EAs here:https://geraldinecarter.com/7Happy New Year! Enjoy the annual tradition of accounting humor hosted by my two kids, Hazel and Remy. I'll be back soon with a fresh batch of content to kick off 2026.Find all episodes of the Business Strategy for CPAs here:https://www.businessstrategyforcpas.com/---------FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. … Get your FREE 7 Pricing Essentials for CPAs and EAs here:https://geraldinecarter.com/7

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Caleb and Zach discuss the past year in Oh My Fraud. SponsorsRoutable - http://ohmyfraud.promo/routableACFE - http://ohmyfraud.promo/acfeNAEA - http://ohmyfraud.promo/naea Get NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CEDownload the app:Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appQuestions? Need help? Email support@earmarkcpe.com.CONNECT WITH CALEBLinkedIn: https://www.linkedin.com/in/calebnewquist/Sources:Columbus zoo seeks foreclosure of former executives' homes to pay restitution in fraud case [The Columbus Dispatch]TV drama on gambling scandal surrounding Shohei Ohtani's ex-interpreter in development [The Athletic]SEC Walks Away From Ozy Media, Stanford Fraud Cases [Law360]US podcaster who helped convict ‘Queen of the Con' disappointed at short sentence [The Guardian]

For over 20 years, Shannon and her team at Tristar Pension Consulting have acted as a secret weapon for financial advisors, CPAs, small businesses, and plan sponsors. They are the go-to resource for plan design, fixing broken retirement plans, client presentation support, and high-touch customer service.Since starting the firm over two decades ago, her goal has been to provide a deeper level of retirement plan knowledge and service for clients, as well as a flexible workplace for employees. Today, they are one of the leading providers of retirement plan administration for small businesses.Shannon is a credentialed member of the American Society of Pension Professionals and Actuaries (ASPPA) and the National Institute of Pension Administrators (NIPA). She currently serves on the ASPPA Leadership Council and as the current year's President. She has also served on several fundraising committees and supports many non-profits locally, such as Infant Crisis Services, Make a Wish Oklahoma, and Cleats for Kids.If you are a financial advisor, CPA, or business owner with retirement plan questions, please be sure to connect with Shannon on LinkedIn. You can also email her at shannon@tristarpension.com.The podcast mentions a resource on the Tristar Pension webpage. It is available at - https://www.tristarpension.com/tpa/compliance-administration-checklist In this episode, Eric and Shannon Edwards discuss:Understanding fiduciary roles clearlyEvaluating service providers carefullyComparing plan structures strategicallyBuilding knowledge and relationships proactivelyKey Takeaways:Different fiduciary types—3(16), 3(21), 3(38), and 402(a)—carry distinct responsibilities and authority levels. Plan sponsors must still monitor and fulfill their duties, even when delegating to these fiduciaries.Reading service agreements and using checklists clarifies who does what and prevents misunderstandings. Tools like the ARA TPA Checklist help sponsors ask better questions and assess compliance partners effectively.Pooled Employer Plans (PEPs) can expand access but may introduce higher costs, operational complexity, and exit challenges. Sponsors should weigh total cost, services, and fiduciary responsibilities when choosing between PEPs and standalone plans.New benefits managers and advisors benefit from targeted education and responsive compliance partners. Continuous learning and relationship-building ensure fiduciary effectiveness and confident plan management.“Your fiduciary duties are not gone. You are still submitting contributions, you are still supposed to be monitoring your 3(16) fiduciary, you're still supposed to be checking to make sure things are done properly.” - Shannon EdwardsConnect with Shannon Edwards:Website: https://www.tristarpension.com/ LinkedIn: https://www.linkedin.com/in/shannonedwardsplanconsultant/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

On this episode of the Woodard Report podcast, Heather speaks with Nancy McClelland, CPA about her journey as the "Dancing Accountant" and how embracing authenticity, community connection, and people skills has shaped her firm and career. They explore the importance of trust, niching, and collaboration between bookkeepers and tax professionals. About Nancy McClelland, CPANancy The Dancing Accountant is a CPA on a lifelong mission to educate the professionals who support small businesses and their communities. She runs 'Ask a CPA', a Q&A membership for bookkeepers who want to learn to prepare "tax-ready" books; co-hosts "She Counts" (the real-talk podcast for women in accounting); was named Top CAS ProAdvisor; Top 50 Women in Accounting; Bridging the Gap Mentor of the Year; ToPS Speaker of the Year; and AICPA Global Women to Watch – you can check out her award-winning MSN column at thedancingaccountant.com. Thank you to our show sponsor, Woodard!The Woodard membership program will help you build your ideal practice with our coaching, education, community and resources. We'll get you there with strategic direction from experienced pros, access to skill building and resources and a community to continually inspire your practice's transformation. Learn more about the show and our sponsors at Woodard.com/podcast

What is the Average Social Security Check By State?!?**Schedule your free virtual consultation

Today on Your Money, Your Wealth podcast 562 (an encore of episode 513), Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW listeners in their 40s who are ready to call it quits at work, become financially independent, and retire early. Can they afford to do it? Peter and Joanna want to retire in the next two years. Burned Out and Ready to Retire wants out of his toxic office. If Maryland Chicken Man never earns another dollar, how much can he afford to withdraw from his retirement accounts each year? And Suzanne in Massachusetts is 69 and needs $60K a year for the next 30 years. Is she all right? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-562 (full show notes & episode transcript) 2025 Key Financial Data Guide - free download 10 Big Retirement Regrets to Avoid (Before It's Too Late)  - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:30 - We're 45 and 44. Can We Retire in the Next 2 Years? (Peter & Joanna, NJ) 10:45 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your Free Financial Blueprint 11:44 - I'm 42 and I Work in a Toxic Office. Can I Afford to Retire? (Burned Out and Ready to Retire, NJ) 21:53 - Download the 2025 Key Financial Data Guide for free 22:53 - I'm 69 and Need $60k/Year for the Next 30 Years. Am I All Right? (Suzanne, MA) 25:40 - I'm 45. If I Never Earn Another Dollar How Much Can I Withdraw Every Year? (Maryland Chicken Man) 35:15 - Outro: Next Week on the YMYW Podcast

What did you think of this episode?Writing is a business. Knowing which laws impact you is a must for every career-minded writer. Today's guest offers tips to help you stay on the right side of the law when you write. Welcome to Your Best Writing Life, an extension of the Blue Ridge Mountains Christian Writers Conference, held in the beautiful Blue Ridge Mountains of NC. I'm your host, Linda Goldfarb. Each week, I share tips and strategies from writing and publishing industry experts to help you excel in your craft. I'm so glad you're listening in. In this episode, you'll learn "What Every Writer Should Know About Law."My industry expert, Ilena Alvarez, is a Florida-based attorney specializing in estate and business planning, probate, and guardianship law. She holds both a Juris Doctorate and a Master of Laws in Taxation from Cooley Law School (now Western Michigan University). With a passion for legal education, Ilena has spent over a decade teaching as an adjunct professor at Broward College, where she teaches courses in legal writing, business law, and litigation. In addition to her legal work and teaching, she is currently co-authoring a nonfiction book with Patricia Hartman, CPA, and is also working on a contemporary fiction novel. Alright, let's head into our content for today… "What Every Writer Should Know About Law"(1) The importance of separating the writer from the business.(2) Other Legal Minefields (such as legacy planning or copyright law).LINKShttps://word-weavers.com/ilena-alvrez Visit Your Best Writing Life website.Join our Facebook group, Your Best Writing LifeYour host - Linda Goldfarb#1 Podcast in the "Top 50+ Must-Have Tools and Resources for Christian Writers in 2024". Awarded the Spark Media 2022 Most Binge-Worthy PodcastAwarded the Spark Media 2023 Fan Favorites Best Solo Podcast

Most practice owners treat finances like a fire drill: frantic at year-end, reactive at tax time, and surprised when cash flow hiccups wreck payroll. What if money management wasn't a crisis to survive, but a repeatable system you lead on purpose? In this episode of the Private Practice Owners Club, host Nathan Shields sits down with financial strategist Eric Miller (Econologics) and bookkeeping & vCFO expert Sean Healy (AccountedFor). Together they deliver an operational playbook for wrapping up 2025, protecting cash flow in Q1, and building the disciplined systems that let owners actually plan for retirement — not just keep the lights on. They dig into:Why proactive tax planning beats last-minute spending sprees (and how to actually execute it with your CPA)The three financial skills every owner needs: acquire it, control it, invest it — and how to institutionalize them in your practicePractical year-end moves that protect cash flow (retirement catch-ups, HSA contributions, beneficiary checks, and smarter equipment buys)How to build a financial team that works together — CPA, bookkeeper, and advisor aligned to your goals (and when it's time to fire an advisor who isn't)Forecasting and proforma basics: reverse-engineer the profit you need to reach your personal goals, then map the operational steps to get thereCash-first tactics for Q1 (expect a tight January — plan the line of credit, manage payroll cadence, and pre-talk client deductibles)Money discipline that scales: automated savings buckets, routine scorecards, and the operational cadence that produces real wealth If you've ever been blindsided by tax bills, drifted through another year without a cash plan, or felt like your practice owns you — this episode gives you the financial clarity and tactical next steps to run your business like an asset, not an anxiety.

In this short episode, Caleb lays out a few ideas for what an Oh My Fraud Patreon could look like — including ad-free episodes and bonus content — and asks one simple question: would you subscribe?Before anything launches, Caleb and Zach want to gauge listener interest. If you've got 10 seconds, take the quick survey linked in the show notes and let us know.Take a quick 3 question survey: https://forms.gle/8Wyz8v7DTJ5JFaYJ7Or email us at ohmyfraud@earmarkcpe.com

Feeling burned out or just running on empty during this Holiday season? In this episode of Count Me In, host Adam Larson sits down with special guest Ting Song, Executive Director for JPMorgan Chase & Co, to talk all things burnout—what it really is, how to spot it early, and what you can do to take back your energy and well-being. Ting shares her personal journey through burnout, the turning points that helped her recover, and actionable advice you can start using right away (including the surprisingly simple power of a 5-minute break). If you've ever wondered about the difference between everyday stress and real burnout, how changing just a few habits can make a huge difference, or how to balance ambition with self-care, this is the episode for you. Ting brings both empathy and expertise, making complex challenges feel relatable and offering practical tips you'll actually want to try. Tune in for an honest, uplifting conversation packed with real stories, helpful strategies, and a reminder that it's okay (and important) to play, have fun, and set boundaries—even in the busiest seasons of life.

In this episode of Mission Matters, ⁠Adam Torres⁠ interviews ⁠Erik Felsted⁠, CEO & Executive Director of Known By Name Foundation, about attending AFM for the first time, launching a mission-driven foundation, and developing a feature film inspired by a true story of escape from North Korea to elevate awareness and human dignity. About ⁠Erik Felsted⁠ Erik Felsted is a serial entrepreneur, finance executive, and private equity fund manager with a track record of founding and advising hundreds of start-ups.As a Senior Manager at EY, he left the CPA firm to create the following ventures: S2.com, Entirenet, Agemni, Arch Dental, Freedom Consulting Group, Residual Ventures, and RV Park Capital Partners. With expertise spanning private equity transactions, investment management, commercial real estate, corporate finance, technology, mergers & acquisitions, and tax and legal structuring, Erik has guided companies through every stage of growth through exit. He has successfully raised and managed over $30m of private investment funds, while leading investors, partners, vendors, and consultants across diverse industries.Recognized for his integrity, creativity, self-motivation, and leadership, Erik thrives at the intersection of strategy and execution. Today, Erik is channeling his talents and experience into a new passion: building a movement through film. The Known By Name Foundation will be producing stories that matter, committing to bringing more goodness and light into the world—one powerful story at a time. This interview is part of our AFM 2025 Series. Big thank you to ⁠⁠⁠⁠⁠⁠⁠American Film Market⁠⁠⁠⁠⁠⁠⁠ ! Follow Adam on Instagram at ⁠⁠⁠⁠https://www.instagram.com/askadamtorres/⁠⁠⁠⁠ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: ⁠⁠⁠⁠https://missionmatters.lpages.co/podcastguest/⁠⁠⁠⁠ Visit our website: ⁠⁠⁠⁠https://missionmatters.com/⁠⁠⁠⁠ More FREE content from Mission Matters here: ⁠⁠⁠⁠https://linktr.ee/missionmattersmedia⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

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In this episode, host Don Adeesha joins Sean Duncan, founder of Chief Proactive Advisors, to distinguish between tax preparation and tax planning. Sean argues that relying solely on historical filing is a costly error, sharing how reactive financial structuring can waste tens of thousands in unnecessary taxes. Sean breaks down the math of entity selection, identifying the $50,000 net income threshold where switching to an S-Corp becomes viable. He highlights the hidden benefits of this structure, including ultra-low audit risk, and details a reasonable compensation methodology that satisfies the IRS without overpaying payroll taxes. Finally, Sean shares his "Big Three A's" framework for year-end reductions: Accelerate expenses, acquire Assets, and leverage Altruism. He warns against panic-buying unnecessary vehicles and urges owners to treat their CPA as a strategic partner, conducting mid-year reviews to actively architect wealth.

As the year wraps up, it's time to slow down, look back, and get real about your business. I challenge you to answer three simple but powerful questions: What was your biggest win this year? What's the one thing you wish you had fixed or worked on? Most importantly, how well do you actually know your business numbers from the past year? These questions set the tone for the new year and help you make smarter, more profitable decisions. If you want next year to be your best year yet, it starts with clarity, honesty, and a deeper look into your numbers. Let's get you ready to win!  -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

We unpack how AI reshapes performance marketing and why strategy, clean data, and human oversight matter more than ever. We share a full-funnel, dayparted approach for B2B, show what creative works now, and outline fixes that quickly lift ROAS.• AI tools accelerating media operations while requiring human strategy• Risks of automation with bad data and weak tracking• Buyer shifts beyond Google and the rise of YouTube, TikTok, CTV and podcasts• Dayparted omnichannel plan from commute to desktop to couch• Short-form video and UGC outperforming static creative• Full-funnel investment timelines and influenced revenue measurement• Cleaning fragmented data and feeding CRM segments back into media• Common account fixes including target CPA, remarketing and limiting AI expansion• How to audit paid media and set realistic expectationsGuest Contact Information: LinkedIn: linkedin.com/in/anthonychiaravalloWebsite: anthonychiaravallo.comMore from EWR and Matthew:Leave us a review wherever you listen: Spotify, Apple Podcasts, or Amazon PodcastFree SEO Consultation: www.ewrdigital.com/discovery-callWith over 5 million downloads, The Best SEO Podcast has been the go-to show for digital marketers, business owners, and entrepreneurs wanting real-world strategies to grow online. Now, host Matthew Bertram — creator of LLM Visibility™ and the LLM Visibility Stack™, and Lead Strategist at EWR Digital — takes the conversation beyond traditional SEO into the AI era of discoverability. Each week, Matthew dives into the tactics, frameworks, and insights that matter most in a world where search engines, large language models, and answer engines are reshaping how people find, trust, and choose businesses. From SEO and AI-driven marketing to executive-level growth strategy, you'll hear expert interviews, deep-dive discussions, and actionable strategies to help you stay ahead of the curve. Find more episodes here: youtube.com/@BestSEOPodcastbestseopodcast.combestseopodcast.buzzsprout.comFollow us on:Facebook: @bestseopodcastInstagram: @thebestseopodcastTiktok: @bestseopodcastLinkedIn: @bestseopodcastConnect With Matthew Bertram: Website: www.matthewbertram.comInstagram: @matt_bertram_liveLinkedIn: @mattbertramlivePowered by: ewrdigital.comSupport the show

Reaction 4: Disneyland Is NOT an Educational Expense If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

This is a bonus episode from a recent webinar Annie and Roger did. Prepare for Tax Season 2026 and the changes brought by the One Big Beautiful Bill Act. Join Federal Tax Updates co-hosts Roger Harris and Annie Schwab for a focused look at the most impactful provisions and what they mean for your clients. They break down the latest IRS updates, highlight the questions firms are already hearing, and share practical advice to help your firm prepare for the year ahead.Roger Harris, EA - https://www.linkedin.com/in/rogerharrispbs/Annie Schwab, CPA - https://www.linkedin.com/in/annie-schwab-852418261/Learn more about Padgett: https://www.padgettadvisors.com/

Reaction 2: Law Firm Things You Wish You Could Write Off but Cannot If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.