Podcasts about Credit

Money borrowed for hospitalization is seen by many as different from paying what you owe for consumer goods: The debt is seldom from discretionary spending. The Biden-era Consumer Financial Protection Bureau had moved to protect credit scores from medical debt, but the agency is now reversing course. A nonprofit called Undue Medical Debt, led by CEO Allison Sesso, works to pay off people's medical debt as a charitable endeavor. But first, Trump's spending bill moves to the Senate.

Three major stock moves catching our traders attention. How they're handling the action in Nvidia, Netflix, and Boeing… and which direction they see them heading next. Plus, stocks inching back towards record highs, but is there even more opportunity in the private sector? How one firm is giving investors an alternative to public stocks, and where they see the most action.Fast Money Disclaimer

Money borrowed for hospitalization is seen by many as different from paying what you owe for consumer goods: The debt is seldom from discretionary spending. The Biden-era Consumer Financial Protection Bureau had moved to protect credit scores from medical debt, but the agency is now reversing course. A nonprofit called Undue Medical Debt, led by CEO Allison Sesso, works to pay off people's medical debt as a charitable endeavor. But first, Trump's spending bill moves to the Senate.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free LIVE training to maximize your pointshttps://geobreezetravel.com/webinar ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Victor01:14 Victor's Journey into Points and Miles02:15 First Class Flight Experiences: ANA and Japan Airlines04:19 Booking Strategies and Tips for First Class Flights08:36 Singapore Suites and Other Strategies15:16 Emirates and Qatar First Class Experiences21:22 Cathay Pacific and Qantas First Class Reviews24:11 Future Travel Plans and Final Tips27:54 Conclusion and Where to Find VictorYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Victor at:➤ Instagram: https://www.instagram.com/travelhackvic/ Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Is feeling “broke” a mindset—or a money problem? In this eye-opening episode of Everyone's Talkin' Money, I'm joined by Tiffany Grant, AFC®, creator of Money Talk With Tiff and a nationally recognized voice in personal finance education. Tiffany gets honest about what it really takes to move from financial anxiety to clarity—and how to stop letting shame or unrealistic goals derail your progress. We talk about the emotional baggage we bring to our finances, the myths about debt and income that need to die already, and how a little creativity—hello, gamification—can completely change your budgeting experience. Tiffany also opens up about her own debt journey, including what happened when she didn't hit her goal of being debt-free by 30—and why she now sees that as a win. If you're tired of “six-figure salary” hype, comparison traps, or beating yourself up for not being perfect with money, this episode is the mindset reset you didn't know you needed. You'll walk away with: A new perspective on what being “broke” really means Tactical ways to document and take inventory of your finances How self-talk impacts your money habits and confidence Why gamifying your budget could be the trick to staying consistent The power of redefining financial goals when life throws curveballs The difference between using credit as a tool versus as income Permission to ditch the shame and take small, intentional steps forward How to personalize your path to financial freedom Tips for questioning financial advice that doesn't fit your life A reminder that kindness to yourself is key on this journey Resources + Connect with Tiffany: Website: moneytalkwitht.com Podcast: Money Talk With Tiff Instagram: @moneytalkwitht YouTube: Money Talk With Tiff Twitter: @moneytalkwitht TikTok: @moneytalkwitht Facebook: Money Talk With Tiff Pinterest: Money Talk With Tiff Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode topics: #marketing, #leadgen, #demandgeneration, #sales, #B2BSaaS, #digitalmarketing #measurement #metrics #sales #marketingalignmentJason Theroux is on today to hammer home the crucial message to sales and marketing teams across the world: stop fighting for credit and start working together to support your organization holilstically. The conversation navigates through Jason's career path from sales roles to a significant marketing position, revealing critical insights into bridging the gap between sales and marketing teams. His experiences underscore the importance of collaboration over competition, highlighting strategies to align both functions for holistic business success.With over a decade of experience under his belt, Jason shares practical advice on fostering a unified marketing and sales team. Key themes from this episode include using technology to facilitate clear communication, implementing shared goals, and advocating for transparency and trust within teams. Jason underscores the role of leadership in establishing these cohesive practices, emphasizing that sales and marketing alignment can significantly enhance revenue generation and customer trust. Listeners gain insights into the potential changes in the marketing landscape, especially with emerging technologies such as AI, and how understanding these dynamics can better prepare teams for future challenges.______Subscribe to Stacking Growth on Spotify and YouTubeLearn More About Refine LabsSign Up For Our NewsletterConnect with the guest:Jason TherouxConnect with the hosts:Evan HughesSteph Crugnola

Kipp deVeer is the Co-President of Ares Management, a leading global public alternative investment firm that manages $500 billion across credit, private equity, real assets, and infrastructure. Kipp came on the show last year to share the Ares story, and that conversation is replayed in the feed.   Our conversation covers Ares' credit-centric approach to serving the wealth channel. We discuss Ares' dedicated focus and expansion in private wealth alongside a strategic acquisition five years ago, the resources and strategies Ares has developed since, the firm's approach to scaling distribution, servicing financial advisors, navigating procyclical capital flows in credit, and maintaining underwriting discipline amidst rapid growth. We discuss the challenges of building brand recognition in the channel and opportunities ahead in wealth for real assets and infrastructure investments, and in Europe and Asia.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Kipp deVeer is a Director and Partner of Ares Management, the $30 billon market cap public company (ARES) that manages $360 billion in assets, including $250 billion in credit. Kipp joined Ares twenty years ago and serves as the Head of Ares Credit Group, CEO of the public BDC Ares Capital Corporation (ARCC), and a member of the Executive Management Committee. Our conversation covers Kipp's path to Ares, the business and credit markets twenty years ago, and the exponential growth of Ares since. We turn to the firm's research process across origination and sourcing, underwriting, investment targets, and portfolio construction. We then discuss Kipp's perspective on the credit environment, opportunities, and risks and close with a look at the future of Ares. For full show notes, visit the episode webpage here. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Whether your credit score is 520 or 790, this expert interview reveals the overlooked steps that can immediately improve your homebuying power. Credit scores remain one of the most confusing and fear-inducing hurdles for first-time homebuyers. In this special interview, credit expert Jeanne Kelly—known as “The Credit Genie”—returns to offer actionable insights that go far beyond generic internet advice. With over 25 years of experience and a deeply personal story of rebuilding from financial rock bottom, Jeanne explains exactly how buyers can take control of their credit, whether they're in recovery mode or already have strong scores. David and Jeanne break down myths, share real-life success strategies, and highlight the most surprising tips that even high-credit borrowers should know.Quote“I didn't answer the door once and the man was going to turn off my electric… That was my rock bottom. You sit there and say, ‘You gotta change things.'” – Jeanne KellyHighlightsWhy even buyers with “good” credit scores are missing opportunitiesThe most common credit myths that keep renters stuckJeanne's formula for rebuilding credit after major financial strugglesTips you won't find on Google—straight from a 25-year credit veteranWhat to do today if you're afraid your credit score will hold you backHow to recognize a real credit expert versus a scamEmotional and practical advice from someone who's been there—and made it throughConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In Judges 6–7, God chooses Gideon—a fearful man hiding in a winepress—to demonstrate that He uses the humble to accomplish His purposes. By reducing Gideon's army from thousands to just 300, God makes it unmistakably clear that victory belongs to Him alone. Through Gideon's obedience and faith, we see that God conquers not by strength, but through trust in His power and presence. God chooses to use the humbleGod makes it clear who gets the creditGod conquers through faith Life Group Discussion:In what areas of your life might God be asking you to trust Him despite feeling inadequate?When was a time in your life when God did something big, and you knew it had to be Him?What risks did Gideon take in obeying God's instructions? How did faith play a role?

In Judges 6–7, God chooses Gideon—a fearful man hiding in a winepress—to demonstrate that He uses the humble to accomplish His purposes. By reducing Gideon's army from thousands to just 300, God makes it unmistakably clear that victory belongs to Him alone. Through Gideon's obedience and faith, we see that God conquers not by strength, but through trust in His power and presence. God chooses to use the humbleGod makes it clear who gets the creditGod conquers through faith Life Group Discussion:In what areas of your life might God be asking you to trust Him despite feeling inadequate?When was a time in your life when God did something big, and you knew it had to be Him?What risks did Gideon take in obeying God's instructions? How did faith play a role?

In this episode of Bowel Sounds, hosts Dr. Jenn Lee and Dr. Peter Lu  talk with Dr. Hilary Michel, pediatric gastroenterologist at Nationwide Children's Hospital in Columbus, OH about women's health in IBD. Learning objectivesIdentify the impact of inflammatory bowel disease (IBD) on key stages of female reproductive health, including puberty, menstruation, fertility, and pregnancy.Discuss the considerations and clinical decision-making involved in contraceptive counseling and bone health in female patients with IBD.Apply patient-centered strategies for addressing psychosocial concerns, fertility, and reproductive planning in adolescent and young adult females with IBD.Support the showThis episode may be eligible for CME credit! Once you have listened to the episode, click this link to claim your credit. Credit is available to NASPGHAN members (if you are not a member, you should probably sign up). And thank you to the NASPGHAN Professional Education Committee for their review!As always, the discussion, views, and recommendations in this podcast are the sole responsibility of the hosts and guests and are subject to change over time with advances in the field.Check out our merch website!Follow us on Bluesky, Twitter, Facebook and Instagram for all the latest news and upcoming episodes.Click here to support the show.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at potential impacts on mortgage rates from the privatization of Fannie Mae and Freddie Mac. Plus, Robbie sits down with CHLA's Scott Olson to discuss the rising costs of credit scores, the monopoly power of FICO, and how increased competition, from VantageScore to new credit scoring models, could reshape the mortgage lending landscape. And we close with some predictions about what this week's economic calendar will bring.Today's episode is sponsored by CreditXpert—the credit optimization platform that helps today's top mortgage originators and more than 60,000 mortgage professionals qualify more applicants, make more competitive offers, reduce LLPA premiums and close more loans. Download your free copy of the credit optimization playbook today at creditxpert.com/chrisman. 

At CFA Institute LIVE 2025, returning guest Mark Higgins, CFA, sat down with guest host Lotta Moberg to explore the rise—and risks—of private credit. With a historical perspective and a sharp eye for market cycles, Mark challenges the prevailing optimism, drawing parallels to past investment booms and offering a compelling case for greater caution. He also examines the expanding role of consultants and questions common assumptions in portfolio construction. A must-listen for anyone navigating the complex terrain of private markets.

Bernie Miklasz joins Tom Ackerman to break down the Cardinals' impressive May run—featuring the best record in baseball—and their latest 2-0 win over the Texas Rangers. They examine the leadership of Nolan Arenado, the commitment of Sonny Gray and Wilson Contreras, and how injuries like Jordan Walker's are opening up opportunities for players like Nolan Gorman and Lars Burleson. Miklasz makes a compelling case in defense of manager Oli Marmol, comparing his early success to Tony La Russa's first four seasons. Despite La Russa's legendary status, Marmol currently holds a better winning percentage, all while working with fewer organizational resources. Bernie highlights the context behind those numbers, praising Marmol's ability to maximize his roster.

On this week's Money Matters, Scott and Pat explore the evolution of fixed income investing—from traditional bonds to the rapidly expanding world of private credit—and what it means for your portfolio. They also offer practical advice on weathering market volatility in retirement and share a powerful conversation with a listener who's rebuilding his financial life after 20 years of incarceration. It's a compelling mix of market insights, real-life challenges, and practical strategies to help you secure your financial future. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

In hour three, shedding light on how important Barkov has been despite his play going largely unnoticed. Solana shares a questionable decision he made yesterday at gas station. Have you ever called the number on a car's “how am I driving” sticker? Debating whether Sandy Alcantara ever win another game in the big leagues. The worst impersonation in the history of radio. Plus, more on the Panthers dominance from Appel and why Zito AND Paul Maurice are the perfect GM-Coach tandem.

Sid Powell, CEO and Co-Founder of Maple Finance, joined me to discuss Cantor Fitzgerald's $2 Billion Bitcoin lending program and how Maple Finance is participating.Topics:- Maple Finance overview - Institutional DeFi - Maple's Hybrid DeFi service - Cantor Fitzgerald's Bitcoin Lending - Bitcoin as a Reserve asset - US Crypto Outlook Show Sponsor -

A Preplanned Detour - Groundwork for RedemptionWebsite: http://www.battle4freedom.com/Network: https://www.mojo50.comStreaming: https://www.rumble.com/Battle4Freedomhttps://www.biblegateway.com/passage/?search=Isaiah%2043%3A11&version=CJBIsaiah 43:11I, yes I, am Adonai; besides me there is no deliverer.Genesis 46:1 Isra'el took everything he owned with him on his journey. He arrived at Be'er-Sheva and offered sacrifices to the G_d of his father Yitz'chak. 2 In a vision at night G_d called to Isra'el, "Ya`akov! Ya`akov!" He answered, "Here I am." 3 He said, "I am G_d, the G_d of your father. Don't be afraid to go down to Egypt. It is there that I will make you into a great nation. 4 Not only will I go down with you to Egypt; but I will also bring you back here again, after Yosef has closed your eyes."Genesis 46:5 So Ya`akov left Be'er-Sheva; the sons of Isra'el brought Ya`akov their father, their little ones and their wives in the wagons Pharaoh had sent to carry them. 6 They took their cattle and their possessions which they had acquired in the land of Kena`an and arrived in Egypt, Ya`akov and all his descendants with him — 7 his sons, grandsons, daughters, granddaughters and all his descendants he brought with him into Egypt.Genesis 46:8 These are the names of Isra'el's children who came into Egypt, Ya`akov and his sons: Re'uven Ya`akov's firstborn; 9 and the sons of Re'uven — Hanokh, Pallu, Hetzron and Karmi. 10 The sons of Shim`on: Y'mu'el, Yamin, Ohad, Yakhin, Tzochar and Sha'ul the son of a Kena`ani woman. 11 The sons of Levi: Gershon, K'hat and M'rari.Genesis 46:12 The sons of Y'hudah: `Er, Onan, Shelah, Peretz and Zerach; but `Er and Onan died in the land of Kena`an. The sons of Peretz were Hetzron and Hamul. 13 The sons of Yissakhar: Tola, Puvah, Yov and Shimron. 14 The sons of Z'vulun: Sered, Elon and Yachle'el. 15 These were the children of Le'ah whom she bore to Ya`akov in Paddan-Aram, with his daughter Dinah. In sum, his sons and daughters numbered thirty-three. Genesis 46:16 The sons of Gad: Tzifyon, Haggi, Shuni, Etzbon, `Eri, Arodi and Ar'eli. 17 The children of Asher: Yimnah, Yishvah, Yishvi, B'ri`ah, and their sister Serach. The sons of B'ri`ah were Hever and Malki'el. 18 These were the children of Zilpah, whom Lavan gave to Le'ah his daughter; she bore them to Ya`akov — sixteen people. Genesis 46:19 The sons of Rachel Ya`akov's wife: Yosef and Binyamin. 20 To Yosef in the land of Egypt were born M'nasheh and Efrayim, whom Osnat the daughter of Poti-Fera priest of On bore to him. 21 The sons of Binyamin: Bela, Bekher, Ashbel, Gera, Na`aman, Echi, Rosh, Mupim, Hupim and Ard. 22 These were the children of Rachel who were born to Ya`akov — in sum, fourteen people.Genesis 46:23 The sons of Dan: Hushim. 24 The sons of Naftali: Yachtze'el, Guni, Yetzer and Shillem. 25 These were the sons of Bilhah, whom Lavan gave to Rachel his daughter; she bore them to Ya`akov — in sum, seven people.Genesis 46:26 All the people belonging to Ya`akov coming into Egypt, his direct descendants (not counting Ya`akov's sons' wives), totaled sixty-six. 27 The sons of Yosef, born to him in Egypt, were two in number. Thus all the people in Ya`akov's family who entered Egypt numbered seventy.Genesis 46:28 Ya`akov sent Y'hudah ahead of him to Yosef, so that the latter might guide him on the road to Goshen; thus they arrived in the land of Goshen. 29 Yosef prepared his chariot and went up to Goshen to meet Isra'el his father. He presented himself to him, embraced him and wept on his neck for a long time. 30 Then Isra'el said to Yosef, "Now I can die, because I have seen your face and seen that you are still alive."Genesis 46:31 Yosef said to his brothers and his father's family, "I'm going up to tell Pharaoh. I'll say to him, `My brothers and my father's family, who were in the land of Kena`an, have come to me. 32 The men are shepherds and keepers of livestock; they have brought their flocks, their herds and all their possessions.' 33 Now when Pharaoh summons you and asks, `What is your occupation?' 34 tell him, `Your servants have been keepers of livestock from our youth until now, both we and our ancestors.' This will ensure that you will live in the land of Goshen — for any shepherd is abhorrent to the Egyptians."Credit to:https://unsplash.com/photos/pathway-between-trees-74TufExdP3Yhttps://unsplash.com/photos/black-and-white-arrow-sign-Vckq-heaypghttps://unsplash.com/photos/gray-wall-paint-taO2fC7sxDU

During the 4pm hour of today's show Chuck & Chernoff talked about the Braves, the Phillies, old school baseball, Terry Fontenot, the Atlanta Falcons, Kirk Cousins, the Atlanta Hawks, Michael Penix and more! See omnystudio.com/listener for privacy information.

Welcome to the Gritty Podcast. I'm joined by Mark Livesay, and in this episode we dig into a recent land transfer bill that almost stripped thousands of acres of public land from hunters like you and me. We're talking politics, truth, and the real power of grassroots action. Mark and I break down what almost happened, how the bill got shut down, and what this fight says about the future of public lands in America. No fluff, no filters—just facts, fire, and why hunters can't afford to sit this one out. ____________________________________________________________________ WE RECOMMEND GEAR THAT FLATOUT WORKS. Buying gear using the links and codes below directly supports the GRITTY TEAM. ____________________________________________________________________

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3159: Sean Mullaney offers a compelling defense of the FIRE movement by reframing it not as a claim to credit or privilege, but as a tool for improving financial outcomes through intentional decision-making. Acknowledging the role of luck, he argues that FIRE equips individuals with a framework to optimize their financial lives regardless of their starting point, making better choices more likely to lead to better luck. Read along with the original article(s) here: https://fitaxguy.com/2020/12/ Quotes to ponder: "Luck and choices are not entirely unrelated. The better financial choices you make, the more likely it is you will have good financial outcomes and enjoy better luck along the way." "Financial literacy without a framework and goals is sort of like teaching algebra in high school. There's nothing wrong with it, but how much did algebra affect your adult life?" "The point of the Financial Independence movement is not to 'deserve' financial success. Rather, the point is to make choices that increase the odds of financial success and having more financial options." Episode references: FI Healthcare: https://fihealthcare.com Learn more about your ad choices. Visit megaphone.fm/adchoices

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free LIVE training to maximize your pointshttps://geobreezetravel.com/webinar ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to the Amex to Alaska Airlines Loophole00:30 Step-by-Step Guide to Transferring Points02:39 Should You Speculatively Transfer Points?03:57 Examples of Amazing Flight Deals with Alaska Airlines04:42 Setting Up Search Filters for Specific Deals08:43 Finding Flights to Europe with Alaska Miles13:50 Comparing Alaska Airlines with Other Programs17:57 Aspirational Flights and Final Tips22:31 ConclusionYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

What if the biggest opportunity in solar has been hiding in plain sight?Josh Goldberg is no stranger to solar. He's a multi-exit founder who helped shape residential solar finance—and now he's back to tackle the “messy middle” of commercial solar. After stepping away from the industry, Josh returned with a mission: to unlock the underfinanced, overlooked world of small-to-mid-sized commercial solar.In this episode, Josh shares how Sunstone Credit is solving a billion-dollar bottleneck—by giving installers and non-rated businesses the financing tools they've always needed. He opens up about what's changed in the market (and what hasn't), the whiteboard moment that sparked his latest venture, and why the time for this market is finally now.Expect to learn:

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

MN Rep. Walter Hudson joins Jon in studio to discuss his concerns about the state of the DFL in Minnesota. Jon disusses a MN State Employee DEI program and an interesting article on EVs.

As teens transition into adulthood, it's vital they grasp the fundamental aspects of personal finance—from budgeting to investing. Money makes the world go around, it's in everything. Before your child leaves your home educate them on everything financially that you can. The more financial literate your child is the better. What do they know about money?1. The Importance of Budgeting2. Understanding Saving and the Power of Compound Interest3. Credit is Not Free Money4. The Power of Earning Money5. Recognizing Needs vs. Wants6. The Basics of Investing7. The Value of an Emergency Fund8. The Consequences of Debt9. Financial Literacy Resources10. Setting Financial GoalsFollow us on Chan & Pods channelSubscribe to the show on YT and on your podcast appTikTok: @chanbepoddinInstagram @TheczywmbpodcastX @theczywmbpod#parentinginabetterwaySupport this podcast at — https://redcircle.com/cozy-womb/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Francis Hunt, founder of The Market Sniper, joins Maggie Lake for an alarming and wide-ranging macro discussion. He warns that the global financial system is already collapsing, starting with the U.S. bond market and spreading across fiat currencies worldwide. According to Francis, we've reached the end of a 45-year supercycle of debt, and what comes next is a full reset: collapsing markets, a global depression, rising authoritarianism, and the dawn of a new digital system. Key Topics: Why the 40-year bond bull market is dead How fiat currency is losing its credibility fast Why gold is the ultimate reserve asset, and will go parabolic The real role of Bitcoin and select digital tokens How CBDCs will power the next monetary system Why property and equities could crash hard The coming wealth shift from West to East How governments will clamp down with surveillance and taxation What investors can do to protect and position themselves Chapters: 0:34 - Francis Hunt's Bold Forecast: The Debt Collapse Has Begun 5:10 - What Does “Collapse” Really Mean? Francis Breaks It Down 17:31 - Inflation Explosion? How Fast Prices Could Spiral 22:06 - Why the Next Crisis Could Be Immune to QE 31:32 - The First Domino: Stocks, Housing, or Credit? 43:50 - How to Protect Your Wealth Before It's Too Late 50:32 - Gold Panic or Golden Opportunity? 57:06 - Could Bitcoin Replace the Dollar as Reserve Currency? 1:01:23 - Gold vs. Crypto: Which Will Lead the Next Financial Era? 1:04:32 - What Could Stop the Collapse—and Will It Happen in Time? Volatility got you concerned? Get a free portfolio review with Wealthion's endorsed financial advisors at https://bit.ly/4ju3Z3N Hard Assets Alliance - The Best Way to Invest in Gold and Silver: https://www.hardassetsalliance.com/?aff=WTH Connect with us online: Website: https://www.wealthion.com X: https://www.x.com/wealthion Instagram: https://www.instagram.com/wealthionofficial/ LinkedIn: https://www.linkedin.com/company/wealthion/ #Wealthion #Wealth #Finance #Investing #Gold #Bitcoin #Macroeconomics #DebtCrisis #FinancialReset #MarketCrash #Recession #SoundMoney #GlobalEconomy #CentralBanks #CBDC #Inflation #SystemCollapse ________________________________________________________________________ IMPORTANT NOTE: The information, opinions, and insights expressed by our guests do not necessarily reflect the views of Wealthion. They are intended to provide a diverse perspective on the economy, investing, and other relevant topics to enrich your understanding of these complex fields. While we value and appreciate the insights shared by our esteemed guests, they are to be viewed as personal opinions and not as investment advice or recommendations from Wealthion. These opinions should not replace your own due diligence or the advice of a professional financial advisor. We strongly encourage all of our audience members to seek out the guidance of a financial advisor who can provide advice based on your individual circumstances and financial goals. Wealthion has a distinguished network of advisors who are available to guide you on your financial journey. However, should you choose to seek guidance elsewhere, we respect and support your decision to do so. The world of finance and investment is intricate and diverse. It's our mission at Wealthion to provide you with a variety of insights and perspectives to help you navigate it more effectively. We thank you for your understanding and your trust. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3159: Sean Mullaney offers a compelling defense of the FIRE movement by reframing it not as a claim to credit or privilege, but as a tool for improving financial outcomes through intentional decision-making. Acknowledging the role of luck, he argues that FIRE equips individuals with a framework to optimize their financial lives regardless of their starting point, making better choices more likely to lead to better luck. Read along with the original article(s) here: https://fitaxguy.com/2020/12/ Quotes to ponder: "Luck and choices are not entirely unrelated. The better financial choices you make, the more likely it is you will have good financial outcomes and enjoy better luck along the way." "Financial literacy without a framework and goals is sort of like teaching algebra in high school. There's nothing wrong with it, but how much did algebra affect your adult life?" "The point of the Financial Independence movement is not to 'deserve' financial success. Rather, the point is to make choices that increase the odds of financial success and having more financial options." Episode references: FI Healthcare: https://fihealthcare.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Gritty Podcast. I'm joined by Mark Livesay, and in this episode, we're talking bear hunting—what works, what fails, and what it's like to have a giant bear charge you after calling it in solo. Mark shares the full story of his first Montana bear—called with a mouth call, shot at under 50 yards, and not down after the first hit. We get into the gear, the tactics, and the moments that nearly went sideways. We also cover giant coastal bears, the truth about bear meat, and what really happens when the pressure's on and the camera's rolling. If you want to hunt smarter, kill bigger bears, and avoid costly mistakes—this one's for you. ____________________________________________________________________ WE RECOMMEND GEAR THAT FLATOUT WORKS. Buying gear using the links and codes below directly supports the GRITTY TEAM. ____________________________________________________________________

(00:00-20:36) Greg Warren joins us in-studio. New special "The Champ" is out. Shout out in the New York Times. Touring in Europe with Nate Bargatze. Not a fan of heights. We're big in the UK. Wrestling at Mizzou. Laying down at Northern Iowa. Singlet shaming. Doug's impressed with Greg's ability to remember his material. Greg's a little insulted.(20:44-32:41) A big Sade Wednesday. Cousin Mitch. So talented, so folksy. Cracker Barrel for hipsters. Doug whittling wood. Audio of Ken Rosenthal talking about where the Cardinals are at this moment. Rocking chairs and Fox robots.(32:51-1:03:52) Waino and Pestus were the two people bullish on the Cardinals this year. Doug is forced to apologize for his take on the Cubs schedule. Cardinal legend Adam Wainwright joins the show. What did he see in the Cardinals early on that most others did not? Starting pitching has been great for the most part. Credit to the coaching staff. Does he see the Cardinals going for it as the season goes on? Blowing his achilles. Doug offends Waino with a question about the DH. POs. Playoff format, extra innings baserunners, and pitch clock. Struggling with Ichiro.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In hour three, Solana reveals he has never seen any of the Rocky movies, which of course leaves Hoch in disbelief. Credit to the country of Turkey which has implemented a new law that fines airline passengers for standing up after a plane lands but before it has fully stopped. Plus, a guts check ahead of tonight's Game 5 between the Cats and Canes.

Snag Our Simplified Budget System!This episode is a ride through the real-life money moments we see in coaching all the time. From the confusion around bankruptcy payments to finally feeling not broke even when you're actually doing great—this one's full of eye-openers.We're pulling back the curtain on our coaching sessions to walk you through what's really going on behind the numbers. Because if our clients are struggling with it, chances are you might be too.Here's what we get into:

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22When it comes to managing money wisely, many of us could use some help, but how do you know you've found the right financial advisor? Today, we'll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.How to Find a Financial Advisor Who Aligns With Your FaithFinding a financial advisor can be overwhelming, but it doesn't have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  1. Values Alignment: Do They Share Your Worldview?The most important starting point is finding an advisor whose faith informs their advice. There's a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.Key Questions to Ask:What role does faith play in your financial advice?How do you define financial success?You're listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.2. Competency: Are They Qualified to Serve You?Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.Look for:Industry certifications (like CFP®, CPA, CKA®, etc.)Experience working with clients in your stage of lifeKey Question to Ask:Can you tell me about clients you've served who are in a similar situation to mine?Good advisors won't name names, but they should be able to share stories of impact that demonstrate how they've helped people like you.3. Process & Compensation: Are They Transparent and Clear?A trustworthy advisor will be open about how they make money and how they work with clients.Key Questions to Ask:Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you'll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”Ready to Find an Advisor?If you're beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:Biblical worldviewIntegrityTechnical excellenceYou'll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it's wise stewardship to evaluate that relationship regularly.When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That's the kind of advisor worth seeking out.On Today's Program, Rob Answers Listener Questions:My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren't necessary anymore and are expensive. I have about $300,000 in home equity, and I'm wondering about taxes and how he might handle the property.My dad recently passed away. My mom has been drawing on his Social Security because she didn't have enough credits from working. What percentage of my Dad's Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?Am I supposed to pay tithes on the income of my Social Security now that I'm retired?Now that my wife is retired and I'm almost retired, is maintaining a good credit score still important?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Our guest for today's podcast is Richard Chau, Chief Investment Officer of the Tulane University Endowment. Richard joined Tulane in 2013 and was promoted to CIO in 2021. Prior to Tulane, Richard helped manage a multi-billion dollar global private equity portfolio in Bessemer Trust's Private Equity Funds Group. Before Bessemer, Richard worked in the investment office at The Andrew W. Mellon Foundation. His previous experience also includes investment banking at Houlihan Lokey and investment consulting at Cambridge Associates.   Richard has a BA in Economics and Chinese from Williams College and an MBA from Columbia Business School.   Without further ado, here is our conversation with Richard Chau.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the recent U.S. credit downgrade by Moody's - and what it really means for the economy, the markets, and your personal finances. While headlines may spark panic, Darryl walks listeners through the facts with clarity and perspective. From the ripple effect on mortgage rates to the role of active bond managers, Darryl explains why this downgrade, though historic, isn't cause for alarm - and why the U.S. remains, in his words, “the cleanest shirt in a dirty load of laundry.” Key highlights of the episode include: What the Moody's downgrade means - and why it happened now. How it impacts stock and bond markets differently (and why the stock market already saw it coming). The connection between U.S. Treasury yields and rising mortgage rates. Why active bond management matters more in volatile conditions. The long-term perspective: why the U.S. is still the safest place for capital despite the headlines. Whether you're an investor, homeowner, or business owner, this episode offers a calm, candid take on a complex topic - helping you understand what really matters behind the noise. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

Do you know the data well enough to answer patients' questions? Data, workflows, and protocols for successful implementation.  Credit available for this activity expires: 5/27/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002541?ecd=bdc_podcast_libsyn_mscpedu  

This week TJ and Sam are joined by Head Coach Andre Cook from St. Edward's University. With over 400 collegiate wins and 20 years of coaching experience Coach Cook shares how he coaches the offensive side of the ball - specifically looking at their pace, shot selection, player development and more.Show Notes:• Setting his offensive foundation & keeping the ball moving• Implementing sets & constant pressure on the defense• Defining shot selection for your team• Developing pace in practice• What are the hardest actions to guard & paint pressure• What translates from player development• How his coaching has evolved and finding the path• Know thy self• Adapting to zone defenses• Offensive rebound philosophy• Marrying the offense to the defense• Find what's best for youMore about Coach Andre Cook:Andre Cook has helmed St. Edward's men's basketball since the 2009-2010 season, becoming the program's all-time winningest coach during the 2022-23.The Hilltoppers have posted 11 consecutive winning seasons and four NCAA Tournament appearances under Cook, including a program-record 30 wins in 2018-19, snagging the Heartland Conference Regular Season Title, Heartland Conference Tournament Championship and advancing to the NCAA Regional Final while climbing as high as No. 2 in the national rankings. In 2019, Cook was named the Clarance Gaines Award winner by CollegeInsider.com to the Division II National Coach of the Year and NABC District Coach of the Year. During his tenure, Cook has coached 31 players to 44 all-conference selections, one LSC Freshman of the Year, and guided six players to all-region honors.Cook came to St. Edward's from Hudson Valley Community College, where he compiled an overall record of 119-40 (.748) in five seasons. In his last two seasons there, his Vikings combined for a 62-5 overall record and a 32-0 mark in conference play. Cook was named Region III Coach of the Year and BCANY Junior College Coach of the Year in 2007-08. In 2008–2009, the Vikings advanced to the NJCAA Division III national tournament semi-final.Credit & More info: https://gohilltoppers.com/sports/mens-basketball/roster/coaches/andre-cook/14Send us a Message. If you'd like us to reply, include your contact info.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free LIVE training to maximize your pointshttps://geobreezetravel.com/webinar ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to the Amex to Alaska Airlines Loophole00:30 Step-by-Step Guide to Transferring Points02:39 Should You Speculatively Transfer Points?03:57 Examples of Amazing Flight Deals with Alaska Airlines04:42 Setting Up Search Filters for Specific Deals08:43 Finding Flights to Europe with Alaska Miles13:50 Comparing Alaska Airlines with Other Programs17:57 Aspirational Flights and Final Tips22:31 ConclusionYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelYou can find RJ at:➤ Instagram: https://www.instagram.com/rnbtravelpoints/   Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Carlos Mendoza's Mets lineup construction has been great. Keith has had some extra family time over the holiday weekend. Thibs rotation played a key role in the Knicks win on Sunday, yet some people don't want to credit the coach. And, with Thibs going to the bench more, should he play Precious Achiuwa? Hour 2.

Want to work with me and learn the power of Mid-Term Rentals Insurance?https://experimentrealestate.com/submitGet the FREE Mid-Term Rental Insurance Blueprint: https://experimentrealestate.com/#blueprint In this game-changing episode of In The Lab, Ruben links up with serial house hacker and investor and close friend Brian Hatcher to unpack the real estate cheat codes most people overlook. From their San Diego yacht-side conversation to boots-on-the-ground investing plays, this episode is packed with insider knowledge on how to hack your way into wealth without cutting corners. Brian shares his real-world blueprint for finding properties with in-law units or ADUs, leveraging low down payment loans, and eliminating your biggest expense—housing.Ruben and Brian also go deep on the importance of playing the long game, why real estate is the ultimate end goal for wealth parking, and how you can build a sustainable portfolio without quitting your 9-5. They break down strategies for short-term and midterm rentals, cover the realities of e-commerce “fake wins,” and reveal how to make clean, sleep-at-night plays that actually last and build a legacy.If you're tired of the flashy quick wins and want a real plan that builds wealth over time strategically, this is the blueprint episode you need. Tune in now to discover how to stack smart real estate plays, house hack your first (or next) deal, and build long-term financial freedom the clean way.HIGHLIGHTS OF THE EPISODE:06:28 Brian talks about why entrepreneurs will always come back to real estate14:28 Brian talks about really helping peopleKEEPING IT REAL:02:00 - The blueprint that helped Ruben house hack his first property03:45 - Finding single-family homes with ADUs and in-law suites04:50 - Why house hacking beats multifamily for first-time buyers06:00 - How to stack equity, appreciation, and cash flow legally07:00 - Renting vs. real estate: What the wealthy do with their money12:00 - What high earners and doctors are realizing about short-term rentals12:45 - Cost segregation, taxes, and keeping more of what you earn15:00 - Credit hacking vs. credit literacy: What's ethical and what's not17:00 - The myth of $100k months in e-comm and what gets left out18:30 - Scaling from house hacks to short-term rentals and resorts Connect with Brian:Website: https://hatch-capital.com/#HouseHacking #ADUInvesting #ShortTermRentals #FinancialFreedom #RealEstateHacks #PassiveIncome #CleanPlaysOnly

In hour 4, Spadoni and Shasky discuss how it is time to give Bob Melvin some credit for where the Giants are thus far.

The Phillies have continued their hot streak into last weekend! Not only winning another series against the Athletics but taking over the best record in the MLB! People have been giving tons of credit to upper management and players! But the WIP Midday Show is split if Phillies manager Rob Thomson deserves more credit than he's getting for this recent run?

On today's show, the WIP Midday Show is looking over the Phillies who now hold the best record in the MLB! As credit is spread around to different parts of the team, one person seemingly getting lost in the credit is Phillies manager Rob Thomson! Does the manager deserve more credit? Joe thinks so, while Hugh is opposed! Also, Devan Kaney joins the show to give some clarity to the Kyle Schwarber contract situation amidst some Kyle Schwarber free agency rumors and more! Plus, reacting to Saquon's claims the 2024 Eagles are a Top 5 team in history as the midday show places the 2024 Eagles among the NFL's greatest teams! As well as, new NFL changes that look to bring down the Eagles, examples of Rob Thomson's impact, and more!

China's credit blacklist system serves as a legal safety net targeting willful defaulters—those who can repay but refuse. But does it strike the right balance? The core challenge lies in enforcing repayment obligations without overreach: how to ensure accountability while still safeguarding the chance for redemption? On the show: Heyang, Steve Hatherly & Yushan.

This episode is sponsored by LaSalle Debt Investors and Kayne Anderson  In the wake of rising rates and falling transaction volumes, US real estate debt markets are undergoing a significant transformation. Traditional lenders – especially regional banks – have stepped back, opening space for private credit providers to play a larger role. As a looming wave of loan maturities approaches, participants are preparing for both stress and opportunity. They're deploying capital selectively, often in the form of rescue financing, while building platforms that can flex across cycles. What emerges isn't a market in freefall or overdrive, but a reset where discipline and structure matter more than ever. Joining us in this episode is David Selznick, chief investment officer of Kayne Anderson's real estate group, and Craig Oram, president and fund manager at LaSalle Debt Investors. They share how their firms are adapting by focusing on refinancings, leaning into necessity-based assets like multifamily and industrial, and underwriting with more scrutiny than ever before.

This episode is for a very specific type of person.  Those of you who are hard on yourself, and if you're being honest, it's to an unhealthy degree. The perfectionist who struggles to recognize their own accomplishments, who tears themselves apart over minor slip-ups, and maybe even finds it hard to fully celebrate the wins of others. Not because of jealousy, but because the voice in your head has been trained to fixate on what's missing instead of what's been earned. Maybe you're not wired this way all the time, but after a big achievement, you felt... nothing. Maybe even a little depressed that it didn't feel like more. We know many of you in our audience fall into one of these camps—and this episode is for you. Here's a little premeditated tough love: at some point, it has to be good enough.  So how do we move past this all-or-nothing mentality we'll never win? How can we celebrate our accomplishments without dulling our edge? In this episode, Brett breaks down: The 70% Rule—it's immeasurable value and how it can be applied in both creative work and business How to celebrate milestones while preserving the lessons from when you fell flat on your face Who drains your joy, how to cut them out, and the hard truth: you might be doing it to others too Ways to be your own hype man without softening your edge Practical tools for when you hate your own work—and how to get to the root of why that happens During the episode, Brett opened up about the various challenges he's faced while writing his new book. If you want early access to updates, release info, and behind-the-scenes content, follow along at artofcoaching.com/book. Retreat. Reset. Recalibrate. RELOAD! This September, we're hosting a retreat in Phoenix, AZ—built for those who carry it all. Ten years in the making, this event is designed to give you tools to slow down, recalibrate, and breathe again. We're teaming up with professionals like Taylor Somerville and Lauren Vestal to introduce breathwork, recovery strategies, and techniques to help you downregulate and bring some peace back into your day-to-day life. You'll also get space to move, connect, and troubleshoot how to have the tough conversations you've been avoiding—so you can show up for yourself as much as you do for everyone else. Stay tuned at artofcoaching.com/events and email us at info@artofcoaching.com for more details. Executive Mentoring That Fits Your Life Struggling with anxiety before a big presentation? Leading difficult meetings? Trying to figure out how to handle a staff issue, or even a challenge at home? One of our 15 coaches has been there and dealt with that. This is real-world guidance, tailored to your needs, on your schedule. Nothing cookie-cutter about it. Every leader needs a coach. The best ones know when to ask for help. Learn more at artofcoaching.com/mentoring. We'd love to help. Upcoming Live Events: There's never been a better time to invest in skills that don't have a shelf life. Our live events are built to help you think, speak, and lead more effectively under pressure, in any environment. These aren't lectures. They're hands-on, challenging experiences with an immeasurable return on investment. We offer three different payment plans and want to meet you where you're at. If you have questions or want help finding the best fit, reach out to us anytime at info@artofcoaching.com. Brand Builder This one's for the person trying to grow something real. Whether you're turning your book into a business, scaling your podcast, or running a brick-and-mortar that needs a stronger foundation—we cover it all. Pricing, positioning, branding, managing your team, building out systems. You'll walk away with clarity and a real plan.

Memorial Day weekend is here, which means it's officially time to break out the grill, the beach bag… and maybe that travel budget spreadsheet. But don't worry—this isn't a guide from travel influencers who hike barefoot with artisanal backpacks. Nope. This episode is brought to you by your favorite money geeks in Joe's mom's basement. Joe Saul-Sehy, OG, Jesse Cramer, Crystal Hammond, and Doug gather 'round the card table to share their best budget-friendly travel strategies, hilarious vacation stories, and maybe one or two travel fails. From choosing the right travel companion to navigating airports like a boss, this crew drops loads of practical wisdom for making your summer adventures awesome and affordable. You'll learn why credit card points can be your best friend, how to pick lodging that won't make you cry (or bankrupt you), and why packing a toothbrush is a good idea… even if Doug's trivia makes you question the timing. This isn't expert advice. These are the musings of people who spend more time optimizing their wallets than their luggage. And that's exactly why you'll leave feeling better prepared to tackle your own summer travel—without the jet-setter guilt trip. Kicking off summer with a Stacking Benjamins travel roundtable Real-life travel hacks from people who care more about budgeting than boarding groups Credit card point strategies that actually work Hot takes on hotels, Airbnbs, and airport snacks Why picking the right travel buddy can make or break your trip The one item Doug thinks was more important than nylon (it's… something) Whether you're headed to the lake, the mountains, or just your backyard with a cold drink, join the crew for a hilarious and practical celebration of summer travel. Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices