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4 episodes with Dave Ramsay
2 episodes with Dave Ramsay
3 episodes with Dave Ramsay
2 episodes with Dave Ramsay
3 episodes with Dave Ramsay
2 episodes with Dave Ramsay
In this episode of Only Business, nutritionist Kenneth Mitcham breaks down the powerful connection between gut health and business success. If you've been feeling tired, foggy, or off your game, your gut might be the missing link. Learn how what you eat affects your focus, energy, mood, and decision-making—and how better nutrition can help you lead, build, and grow with clarity and stamina. Whether you're a business owner or entrepreneur, this is your gut check.
In this episode of Only Business, we break down exactly what's going on with the stock market as of April 7, 2025—in plain English. From rising tariffs and tech volatility to sector shifts and IPO trends, you'll get a real-time, no-fluff market update made for business owners and entrepreneurs. Learn what these market moves mean for your business, how to position yourself, and where the smart money is heading next.
In Part 2 of How to Be a Better Leader, we get into the truth most people avoid: people don't follow titles—they follow trust, clarity, and consistency. This episode unpacks how real influence is built, how to lead without a spotlight, and why respect is something you earn, not something you're handed. If you're tired of performative leadership and ready to build the kind that actually moves people—this one's for you.
Hello, dans cet épisode je voulais te parler de la méthode des baby-steps, les petits pas, du gourou des finances personnelles Dave Ramsay. Cette méthode en 7 étapes permet de se désendetter rapidement et d'épargner. Je trouvais ça intéressant de confronter le point de vue français et américain. Et bien sûr je donne mon avis dans l'épisode. Bonne écouteChit chat budget c'est aussi un instagram : https://www.instagram.com/chitchatbudget/?hl=frEt une chaîne youtube ! : https://www.youtube.com/watch?v=DZzLUtwdvSM Mes codes parrainage :Lydia : CHITCHATBUDGEThttps://www.lydia-app.com/lydia-x-chitchatbudget/Livret P : Il vous rapporte (et me rapporte) 10 euros dès 100 euros investis : CHITCHAT10 .Boursorama : SODU5470Corum : DGDNEREt n'oubliez pas, investir comporte des risques donc avant chaque décisions d'investissement prenez bien le temps de réfléchir et d'avoir ces risques en tête !Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.
In the 7 AM Hour: Larry O'Connor and Patrice Onwuka discussed: Insane stuff that Mark Cuban says about Trump Mark Cuban Eyes SEC Chair Role in Potential Harris Administration DC's New ‘Sports Bar For Politics' Removes Red Elephant From Logo Because It Was ‘Hurtful' To Community ‘Extremely Unusual': House Judiciary Committee Unable To Locate Nathan Wade To Testify In Fani Willis Investigation WMAL GUEST 7:35 AM - INTERVIEW - BRAM WEINSTEIN (wine-stine) - ESPN 630 Host to preview this weekend's game SOCIAL MEDIA: https://x.com/RealBramW Washington Commanders at Arizona Cardinals Dave Ramsay says he's reached out to Harris about doing a sit down with Trump Again, I ask does Kamala Harris know what a tax deduction is? Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile, and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Friday, September 27, 2024 / 7 AM Hour O'Connor and Company is proudly presented by Veritas AcademySee omnystudio.com/listener for privacy information.
Try Riverside free now: https://creators.riverside.fm/PodcastersPodcast & Use code: Podcast15 for an exclusive 15% off. Ash and Kane talk about their favourite creator led businesses in this episode. They also discuss some interesting stats from Patreon and OnlyFans and discuss the businesses that leverage creators the best. KEY TAKEAWAYS When creators get big, sites like Patreon aren't beneficial anymore, they take 7-8%, which when you are making hundreds or thousands or more is a big chunk of cash Pateron lose their biggest money-making creators because of their fees Size can also impact the ability for a creator to be paid what they are worth from a sponsor Mr Beast gets an average of 2 million views per video. He has created various different businesses from his brand including chocolate bars and toys. Dave Ramsay is the world's biggest seller of business and money courses. He has released books, courses and has a media empire including a radio show and podcast. Congo brands have had a lot of success with leveraging creators including launching the Prime drink brand with Logan Paul and KSI. The Hubspot podcast network is licensing shows, essentially turning creators into employees. BEST MOMENTS "When a show gets so big, suddenly that money becomes so meaningful to just give away 8% so they create their own platform elsewhere” “Because he couldn't get consistent sponsorship deals that would pay what he was worth he just thought ‘I'd start my own business'”. “He makes Grant Cardone look like a nobody” “Their number one ad-spend is on podcasts” VALUABLE RESOURCES Website EPISODES TO CHECK OUT NEXT Comparing Podcast Production Options | using AI? Building a High Ticket Offer | The Best Way to Monetise a Podcast ABOUT THE HOSTS Kane Baron & Ashley Morris run the UK's first and largest Podcast Agency, Progressive Media. They specialise in planning, launching, and Growing Podcasts that Generate Leads, Revenue and Business opportunities as well as helping Experts and Entrepreneurs improve Credibility and Positioning within their niche to Scale their Personal Brand and Business. Kane and Ashley manage over 100 Podcasters every week Including Rob Moore, Kevin Clifton and Dapper Laughs. They have supported hundreds of Podcasts in generating tens of Millions in combined Revenue. Progressive Media have provided Production, Marketing and Consultancy services to help creators Launch, Scale & Monetise their Podcast for over 7 years. CONNECT & CONTACT Instagram LinkedIn Email: podcast@progressiveproperty.co.uk
If you've never been to Dave Ramsay's EntreLeadership Summit, you might want to mark your calendar for next May. Josh and Marc say it has the power to transform lives, careers, and fleets. They just got back from this year's summit and are still fired up. In this episode of The Fleet Success Show, our co-hosts share their key takeaways and explain how this pivotal event shaped RTA's entire approach to fleet success. From prioritizing mental health and avoiding burnout to navigating uncomfortable conversations and building an anti-hustle culture, you'll get some sage advice from some smart leaders.Have feedback on the show? We'd love to hear it! Send us your comments, questions, and feedback anywhere on social media @FleetSuccess, or send us an email at podcast@rtafleet.com.Want a copy of “The Fleet Success Playbook”? Reserve your copy today!Don't forget to share the show with your colleagues and friends, and of course, subscribe to "The Fleet Success Show" anywhere you listen to podcasts!
Sam Primm comes on the show to discuss why is in so much debt, how he got into beef with Dave Ramsay and reveals his plans to scale outside of the St. Louis real estate market. APPLY TO BE ON THE PODCAST: https://forms.gle/qXvENTeurx7Xn8Ci9 BUSINESS INQUIRIES/SPONSORS: Jenna@DigitalSocialHour.com SPONSORS: Opus Pro: https://www.opus.pro/?via=DSH Deposyt Payment Processing: https://www.deposyt.com/seankelly LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Sam Primm comes on the show to discuss why is in so much debt, how he got into beef with Dave Ramsay and reveals his plans to scale outside of the St. Louis real estate market. APPLY TO BE ON THE PODCAST: https://forms.gle/qXvENTeurx7Xn8Ci9 BUSINESS INQUIRIES/SPONSORS: Jenna@DigitalSocialHour.com SPONSORS: Opus Pro: https://www.opus.pro/?via=DSH Deposyt Payment Processing: https://www.deposyt.com/seankelly LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/ Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode - we dive into two viral finance clips over the last couple weeks. Has Dave Ramsey EASILY beat the S&P 500 every year using a mutual fund? Is Kris Krohn right with his thoughts that whole life insurance is a miracle savings account? Can you be your own bank?Lets dive in - Hope you enjoy!
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Alcohol's role in the workplace is often overlooked or brushed aside, but its impact is significant, especially during events like office parties or gatherings. It's crucial to create an inclusive environment that caters to those who don't drink or want alternatives. The presence of alcohol-free options should not be an afterthought but an integral part of any workplace event, making everyone feel included and respected. From my conversation with Dave, it's evident that personal relationships and societal pressures can heavily influence our drinking habits. The workplace culture, often centred around alcohol-related activities, can contribute to someone's drinking patterns and mental health challenges. Addressing mental health issues tied to alcohol consumption is essential. Employees' struggles with alcohol may go unnoticed or unaddressed in most workplaces, leading to more severe consequences down the line. Encouraging open discussions, providing support, and reshaping the workplace culture around alcohol are crucial steps in fostering a healthier and more inclusive environment. Dave's personal journey and his focus on men's mental health underscore the need for workplaces to rethink their approach to alcohol consumption and its effects on mental well-being. It's time for organisations to prioritise support, education, and resources, breaking the stigma associated with addressing alcohol-related issues within the workplace.
Amy Fritz, host of The Untangled Faith podcast, sits down with Tim to discuss her story. Amy gives some of her background. Tim and Amy discuss how her husband came to work for Dave Ramsey. They also discuss the red flags Amy and her husband began to see. Tim and Amy discuss the scandals that now plague Dave Ramsay's ministry. Lastly, they discuss the resulting issues for Amy and her husband after her husband left Dave Ramsay's company. Follow Us On Instagram @thenewevangelicals Support Our Work Get Tickets To Theology Beer Camp PROMOCODE: TNEGODPOD Learn more about your ad choices. Visit megaphone.fm/adchoices
***New Video Alert! Paul sent in an email asking about some advice he saw about buying businesses in a Dave Ramsay video. Does Dave know what he's talking about? I mean, he said ‘multiply by 4 or 5.' Let's listen carefully and analyze this advice… Watch it quick before Dave gets the video pulled: https://youtu.be/rcOy6xhdXAY Cheers See you over on YouTube David C Barnett
The Summit of Greatness is back! Buy your tickets today – summitofgreatness.com Ramsey emphasizes the importance of self-awareness and acknowledging the reality of one's financial situation. He stresses that denial and avoidance only perpetuate financial problems, making it crucial to face the truth and take responsibility for one's financial choices. Check out the full episode Sign up for the Greatness newsletter: http://www.greatness.com/newsletter
What is Local Travel and Why Should You Already Be Doing ItWant to travel more but feel overwhelmed by flying, finding a week off, or leaving the country? Or maybe you already travel some but you're feeling stuck in your routines? Are you at a place in life where it's hard to commit far in advance? We have the solution - and today we go over exactly where to start if you're feeling overwhelmed or stuck in a rut. Sign up for giveaway here- http://travelmorepodcast.com/landing-page Chapters#1 There are many ways to define local travel, just like there are many ways to define travel in itself. But here's how we define it: Local travel is all about getting out of your typical routine and discovering new things. What does that look like? It could look like going on a 3 day weekend to a nearby town. It could look like going to the next town over to go to a festival or fair. It could even mean going to a new brewery in your area. We would consider any of that local travel. #2 The more you say yes- the easier it gets. The more you get out of your comfort zone and experience new things, the more you look for those experiences and when that flight finally shows up and all the stars align- you are much more likely to pull the trigger and say yes because you are already used to choosing new things and putting yourself out there. It's kinda like Dave Ramsay's Debt Snowball, if you're familiar with that financial idea. #3 We live in New England now but we also lived in the panhandle of FL and I lived in Memphis- right in the middle of the country. In each of these places we found cool places to go on local trips. Let's start with New EnglandIn New England- some of our favorite places to “travel local” are to the local fairs- pretty much our entire fall is spent this way. We also love Cape Cod for longer trips and of course, skiingIn Memphis- I liked Nashville of course, I actually went there and back in a day a few times. I also visited Saint Louis on a long weekend trip as well as Chattanooga, Hot Springs, the Ozarks and finally Tuscaloosa for a game!And in Florida- we of course did Disney (on a resident's pass), but we also did St. Augustine, and our very favorite weekend location- New Orleans. We'd love to hear all about some of the local travel adventures you get up to! Shoot us an email at contact@travelmorepodcast.com to tell us all about itSupport the showJoin our Travel Community on Facebook to connect with other like minded travelers, share stories, tips, tricks and travel hack wins- Travel More Insiders Subscribe to our Newsletter for access to our giveaways and travel hacking tips Visit our Website https://travelmorepodcast.com/ Join Going (Scott's Cheap Flights) Use code: MAGIC20 for 20% off your first year! Check out Travel Food on Instagram: https://www.instagram.com/thetravelmores/ Don't waste something you're already paying for! Email us at info@magicpasstravel.com to see how we can help you make the most out of your upcoming Disney or Universal experience. Disclosure: We only recommend products we would or do use ourselves and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, we may earn a small commission.
In the past three years, my guest today has acquired 22 rental properties including 13 single family homes, 7 mobile homes, and 2 short term rentals. JD Sustar has also built his brand through social media as the Finance Cowboy and shares his knowledge to help others get their personal finances in order, invest in real estate and reach financial independence. Today, JD discusses the influence Dave Ramsay had on him early on, and why he's decided to go beyond Dave's advice to take on smart debt to acquire real estate. We'll also discuss the evolution of his portfolio to include a mobile home park and vacation rentals, and how his family member inspired him to build his thought leadership as the Finance Cowboy. You can find out more about JD through the following links: instagram.com/financecowboy financecowboy.com http://subscribepage.io/19-point-checklist Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com
Join the HŌMies as they reflect on the worst advice they've ever received in life and business… or is it truly bad advice? Expect to hear plenty of laughs from the crew while also receiving insights into the advice our CEO has taken… and rejected. If hanging out is your thing and you want to learn something along the way, this is your new HŌM. Here's what we cover this week: Brett broke a rib. Hilarity ensues as Swy forces everyone to compliment the person to their right. Shots fired at Dave Ramsay. Who should you take advice from? Swy gets told not to marry her high school sweetheart. What is an “askhole”? How bad advice nearly killed Sean… literally. Working for free or discounted rates. “‘Yes men' don't build great companies.” Building your social media for good advice. The crew is asked: “What's the worst advice you've given?” The simpliHŌM Podcast is a new entrepreneurial podcast that tracks the challenges and changes every human and businessperson faces. Our host and Marketing Specialist Sara Wylie Armstrong, leads conversations with our CEO Sean Miku, our Director of Video and Immersive Technology Kyle Mann, our COO Brett Ratkowski, and others about the world we live in and how that impacts relationships, business and simpliHŌM, one of Tennessee's fastest growing real estate companies. From starting simpliHŌM to family to everything in between, this podcast follows the ebbs and flows of building something from the ground up. For more content, highlights, and commentary, follow @simplihom on Instagram and Facebook. Interested in joining the movement of REALTORS® that are getting their time and life back? Visit joinsimplihom.com for more info about simpliHŌM and how we're revolutionizing the real estate industry. Follow our hosts: Sean Miku - @seanmiku Brett Ratkowski - @brettratkowski Sara Wiley Armstrong (Swy) - @swytheflyguy Kyle Mann - @kyleispositive
Bitcoin peaked at over $68,000 in November. This week, Bitcoin fell below $18,000. Is this the crypto-pocalypse? Nicole explains. See omnystudio.com/listener for privacy information.
Money intersects with every area of our lives: our self esteem, romantic relationships, mental health, family ties— everything has a money trail. And because of that, money can get intertwined with our psyche in interesting, and sometimes challenging, ways. Nicole wanted to dig deep into this, so she called up Lindsay Bryan-Podvin, a financial therapist who combines financial literacy with the emotional and psychological side of money. To learn more about Lindsay, check out: Her website: https://mindmoneybalance.com/ And her book:https://www.simonandschuster.com/books/The-Financial-Anxiety-Solution/Lindsay-Bryan-Podvin/9781646040070 See omnystudio.com/listener for privacy information.
Have you ever dreamt that you won the lottery? Do you have a recurring dream you can't figure out? Have you had a dream about your boo and you feel like it means… something? Nicole wants to help YOU with your dreams in more ways than one. Dream expert Theresa Cheung is joining Nicole on today's episode in order to answer the question: what are our dreams trying to tell us? To read more about Theresa's work, check out her website here: https://www.theresacheung.com/ See omnystudio.com/listener for privacy information.
There have been many product shortages in the last year, due to both pandemic-related issues and supply-chain disruptions, but nothing quite as anxiety-provoking as the baby formula shortage we're facing now. Today, Nicole explains how this industry got so topsy-turvy and what it has to do with corporate consolidation. Plus, Nicole wanted to share the research she's done and the resources she's found, in the hopes that she can be helpful to you and your family in this nerve-wracking time. See omnystudio.com/listener for privacy information.
A 6th would be to read my new book The Blueprint Of Wealth LINK: https://amzn.to/3l6eL5k ----- --- Support this podcast: https://anchor.fm/nathandickeson/support
Dave Ramsay, half of the duo behind Dave & Matt Vans, started his van journey five and a half years ago in an effort to reduce his expenses and free up some resources so he could start his own business - NOT the same one as the van build company he has today. He had so much success with this that his entrepreneurial endeavors grew and he started many new enterprises along the way.Shownotes for THIS episode: https://hollycpriestley.com/dave-ramsay-uses-van-life-to-facilitate-his-entrepreneurial-dreams--dave--matt-vans/Support the Podcast:Venmo: https://venmo.com/Holly-PriestleyPaypal: https://www.paypal.com/paypalme/hollycpriestleyPatreon: https://www.patreon.com/hollycpriestleyFollow Me:Instagram: https://www.instagram.com/hollycpriestley/Facebook: https://www.facebook.com/HollyCPriestley/Website: http://hollycpriestley.com/The Tools I Use to Produce This Podcast:Buzzsprout (Get $20 by using this link to set up your own Buzzsprout account: https://www.buzzsprout.com/?referrer_id=844573 )iMovieZoomAn old, refurbished MacBook Air I've owned for....at least 5 yearsCanva (Earn a Canva Credit by using this link to set up your own Canva account: https://www.canva.com/join/lsk-vdb-msf )--Basically, nothing special. I started creating this with the tools that were available to me and they're largely free to use. Intro & Outro Music: Wallpaper by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/4604-wallpaper/License: http://creativecommons.org/licenses/by/4.0/This description contains affiliate links. If you decide to make a purchase, I may receive a small kickback which helps to support the channel and bring you more content like this. Thanks!
The real estate market has never been hotter. This is great news for home sellers. But every bit of good news in the financial industries comes with another side to the coin. It’s never been more difficult to find a good deal to flip. So is house flipping dead? No. But it’s different. Today I’m speaking with a guy who’s been flipping for 35 years - he knows what to do in any market. Bruce Glenn joins us to discuss the state of house flipping in 2021. Bruce is a prolific investor and mentor from Birmingham, AL. We will discuss the unique challenges for flipping houses as the pandemic wanes, and lockdowns end. Homes have never been in higher demand than right now, which makes it great to sell, but difficult to buy. Bruce and I are going to talk about how to deal with this current reality. Then we will look into the short-term future to help us all prepare for what lies ahead after the eviction and foreclosure moratoriums end. Bruce Glenn has been an appraiser for 30 years and a house flipper for 35 plus years. Last year he published a book, “First Flip: Thirty Years of Secrets So Your First Flip Isn’t a Flop” Here are just a few of the questions I ask him on this episode. How can you find your first flip? Specifically what are you doing right now in this market to find potential properties. What are the best kinds of neighborhoods to flip in? How do you find the money for your flips. Let’s talk about your team. Who should be on it? How do you find them? What do you look for when hiring staff or contractors? Any thoughts on where the market is headed? How to contact us www.RogerBlankenship.com. Leave a voicemail right from the home page! Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question. Email your questions to questions@flippingamerica.net. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don’t mind. Sponsors American IRA: www.americanIRA.com Flipping America Buyers Club Legal Shield News: Federal judges are ruling the CDC does not have the authority to ban evictions. https://www.nbcnews.com/politics/justice-department/federal-judge-rules-national-eviction-moratorium-exceeds-cdc-s-authority-n1266399 Home prices up 11.3% YoY. Wow. Biggest gain since 2006 https://www.corelogic.com/insights/home-price-index.aspx?WT.mc_id=crlg_210504_HNBZM&elqTrackId=c9e625cf2ab64aa28b4df75667ae5ac6&elq=8e7ba79168084989a0578f5aade5855f&elqaid=25005&elqat=1&elqCampaignId=1497 Questions: Faith from Omaha, NE “Can you explain a mortgage wrap and when I would use it? I’m a new investor and excited to get started.” Sandy from McDonough, GA “Would you rather buy one flip where you could make $30,000 or two rentals where you could make $800 per month together?” Kimberly, West Miffin, PA “We have a rental house that will come vacant at the end of March. We are thinking of selling it. Should we wait to list it in June or go ahead and list it? We are thinking in might sell for more during the peak buying season.” Jason, Harrisburg, PA, “is there one best source for deal flow? If there is, what is it?” Carl, Oconomowoc, WI, “Do you still use other people’s money in your own flips? If so, why? Wouldn’t it be better to just use your own cash at this point?” Cindy, Westchester, PA, “I heard you talking about the advantage of leverage in real estate deals. How do you reconcile this with Dave Ramsay’s teaching that we should never borrow money - ever - especially for real estate investments?” Motivational Quote: "An investment in knowledge pays the best interest." — Benjamin Franklin
In this episode, Gabriel and Megan continue discussing the Prosperity Gospel, specifically about the ways is permeates our culture in subtle and not-so-subtle ways. Our belief that health, wealth, and happiness are formulaic and can be achieved by simply making all the right decisions is pervasive in our society. So join us for a discussion on televangelists, faith healers, and Dave Ramsay. Gabriel is reading, Did God Kill Jesus?, by Tony Jones. He also recommends, The Cross and the Lynching Tree, by James Cone. Megan is reading, Jesus and John Wayne, by Kristen Kobes Du Mez. References Dave Ramsey's stimulus comments Dave Ramsey's toxic and cult-like workplace Dave Ramsey's Franklin, TN home for sale...for $15.45 million. Benny Hinn Pat Robertson 700 Club Trinity Broadcasting Network (TBN) Rachel Hollis "Unrelatable" Rant
Today, our expert guest is Dan Miller, author of the New York Times bestselling book, “48 Days to the Work You Love.” He's been a guest on CBS' The Early Show, MSNBC's Hardball, and Fox Business News with Dave Ramsay. His own weekly show is consistently ranked #1 in the Careers category on Apple Podcasts. He's a frequent speaker at conferences and more than 140,000 people subscribe to his weekly newsletter. Everything Dan does aims to help people find or create the work that they love. The message of 48 Days started at a low point in Dan's life. He's always been an entrepreneur, and during an economic downturn, he was put into a difficult position. He began teaching Sunday school classes to keep himself in service, surprising himself with how popular those classes became. He did not expect so many people to be unhappy with what they did for a living. In working himself out of a hole, he discovered that it was a near-universal need across industries. If you're in that place of not loving the work that you do, how do you start the process of 48 Days? Start from the inside. 85% of the process is looking inward, identifying your unique skills and abilities, your personality tendencies, your dreams and passions, and getting a clear focus on what's special about you. Once you've identified those, you can start to focus on the application. What kind of work environment — whether it's a job or a business you create — will integrate the things you now know about yourself? Along with finding work that you love, you need to be aware of common career mistakes to avoid. Don't get too comfortable with the status quo. People are constantly changing, growing you should allow your career to do the same. The Biggest Helping: Today's Most Important Takeaway “It's never too late to have a new beginning. I talk to 27-year-old attorneys who say, “I never should have done that, I made a mistake.” And they imply now they just have to coast into the grave when you're not old enough to ask the right questions, yet. You've got tons of time to reevaluate, redirect, realign. And then, somebody who's 65 who's been forced into retirement says, “Well, now I'm confined to 30 years of sitting on the front porch drooling on myself.” A lot of people at that point have the first real understanding of their greatest gifts and can turn that into the most productive two or three decades of their life. It's never too late to have a new beginning.” -- Thank you for joining us on The Daily Helping with Dr. Shuster. Subscribe to the show on Apple Podcasts, Stitcher, or Google Podcasts to download more food for the brain, knowledge from the experts, and tools to win at life. Resources: 48days.com Read: "48 Days to the Work (and Life) You Love" Listen: 48 Days Podcast The Daily Helping is produced by Crate Media
Rogue Retirement Lounge with Matt Franklin: Entrepreneur, Investor, Real Estate Enthusiast
Some financial gurus, including Dave Ramsay, will tell you that you need to pay off your home mortgage, for the sake of being out of debt. Unfortunately, if you're interested in building wealth, that's horrible advice. If you're self-employed and you're hoping to retire one day, paying down your mortgage with early principle payments is like putting money into a non-interest-bearing savings account that you can't get it back out of. Why would you do that??? In today's environment of the lowest interest rates in 5,000 years, the home mortgage has become an asset, NOT a liability. The bank is giving you money for less than the rate of inflation, meaning every year, in REAL terms, your payment is going down. Today's episode is just about getting you comfortable with the fact that paying off your home (or your investment properties), is a bad idea. That is, if you want to retire... Stay with me. I speak the truth!! I want to answer your questions. Go to www.rogueretirementlounge.com and click the red tab on the right side of the page to leave me a voicemail. I'll answer your retirement planning and investing questions on the show. Or just send me an email at matt@rogueretirementlounge.com
For todays show we have Dave Ramsay with his speech about "Leadership Is A Choice" Thank you for listening, continue to subscribe to my channel Motiv8tion Station for more episode daily Available on Spotify, Apple Podcast , Google Podcast and all of your other favorite podcast hosting platform. Video Link : https://www.youtube.com/channel/UC1psZMMmn2BThALRa3NPJxA/featured
Brad's book “H3 Leadership” has become a must read for faith leaders and for Fortune 500 Companies around the world. He's well known as one of the leaders of the Catalyst Movement and as a business and church consultant but today, we meet Brad the man behind the man … just a good guy from Oklahoma who's committed to changing the world. Jim Collins said, “Brad has dedicated himself to a noble quest: helping young people become great leaders.” Seth Godin said, “Brad is one of the good guys…” Men like Dave Ramsay, John Maxwell and Daniel Pink all say good things about Brad – but, today we'll find out the truth. Brad talks about leadership, the next generation, creativity, innovation, social media, teamwork, personal growth, generational issues, execution and more. This is a conversation we didn't want to end. And one that will make your life better!
存錢很重要，但是如何花錢其實也同樣重要！本週要來聊的就是很無聊的理財話題（但非常非常非常重要，所以我repeat三次）。跟著美國最暢銷的理財專家Dave Ramsay學如何達到健康的財務（part 2我會閒聊我自己的經驗，至於no buy challenge我會留在二月講）！#微目標企劃 #新年目標 #理財 #存錢 #DaveRamsay #thetotalmoneymakeover Book Reference： Dave Ramsay 《The Total Money Makeover》 中文版（簡體）：《抓住你的財富：一個行之有效的理財計劃》 Disclaimer：投資涉及風險，記得量力而為，或跟專業人士了解更多！
存錢很重要，但是如何花錢其實也同樣重要！本週要來聊的就是很無聊的理財話題（但非常非常非常重要，所以我repeat三次）。跟著美國最暢銷的理財專家Dave Ramsay學如何達到健康的財務（part 2我會閒聊我自己的經驗，至於no buy challenge我會留在二月講）！#微目標企劃 #新年目標 #理財 #存錢 #DaveRamsay #thetotalmoneymakeover Book Reference： Dave Ramsay 《The Total Money Makeover》 中文版（簡體）：《抓住你的財富：一個行之有效的理財計劃》 ***Disclaimer：投資涉及風險，記得量力而為，或跟專業人士了解更多！***
This week Zac is back! Everyone rejoice! He and Michael complain about the lies, damned lies, and covid denials of the American right. Then, they delve into Dave Ramsay--a wealth guru who's got a plan to take your money and a real way to win in Vegas, er the free market, he promises!
Okay, this isn’t the most exciting or sexy topic… but it’s a topic that is on many of our minds every day! Money. Bills. Budget. I was never really taught about money. I think money is sort of a taboo topic in a lot of families, and it felt like that in mine. We didn’t have a ton of it, but we never learned about saving, or interest rates, or credit, or anything like that. My ex-husband was great with money and taught me a lot about a budget, though I was resistant to it at first because it felt controlling and I didn’t like the restrictions. We had a lot of student loan debt (listen to more on that HERE on another podcast episode), and I ran across Dave Ramsay’s content. I really geeked out on it! And now I have a ton of tools in my tool belt in terms of budgeting. I stopped looking at budgeting as ‘restrictive’. I started looking at it as a tool to track behaviors… and it’s your behaviors that create the outcomes that you want. In this podcast episode, I go through my actual budgeting spreadsheet. I talk about tracking expenses, tips for saving, and how it can be fun to play around with retirement savings tools. I talk about looking at your finances each month, and also annually. I discuss talking about budgeting with your spouse, and gift alternative ideas when you have a big extended family like I do. I know budgeting and money can feel overwhelming, but these are the tips that helped me. Trust me, I didn’t come from a lot of money, and my ex and I were once in $170,000 in student loan debt that we completely paid off. I have walked the talk! Just remember, budgeting is hard. Give yourself grace. Just because you’ve failed doesn't mean you're a failure. Good luck with your budgets! If you have some budgeting, saving, or financial tips, share on social media! Also, if there’s a topic you want me to talk about on this podcast, let me know! xo Natalie P.S. I would love it if you reviewed this podcast and subscribe! It really does make such a huge difference! Resources from this episode: Our Womanhood Free Trial Sample Budget Spreadsheet
In this episode I'll explain how you can achieve financial independence, and why I've chosen to do it. It's not just about sitting on the beach! Here are some places you can read more about FI: The Mad FIentist: The Perfect Life Mr. Money Mustache: The Shockingly Simple Math Behind Early Retirement Mr. Money Mustache: How To Go From Middle-Class To Kickass And here's Dave Ramsay's article about me and my friend Einstein (well, you know what I mean!): How Teen's Can Become Millionaires This episode was originally published 16 March, 2017.
Jeff Porter CFP, CFA returns to the show this week and gives his opinion on 3 of the most popular Do-It-Yourself portfolios out there. We get Jeff talking about the Dave Ramsay portfolio, a 100% VTSAX or similar "Total Market" fund, and the Bogelhead's three fund portfolio. We talk about weighting the assets in your portfolio as well as the part international stocks plays in a balanced portfolio!Have ideas for a future episode? Send in an email or tweet @MainStMoney to have your idea as a future show! Be sure to check out the YouTube channel for new demonstrations!DISCLAIMER: While Jeff Porter is a highly qualified individual with investments and money management, he is not YOUR money manager. All advice and ideas he gives should be considered general and not specific to your situation. Links to Portfolios Mentioned:Dave Ramsay: https://www.daveramsey.com/blog/what-is-diversificationBogelhead's: https://www.bogleheads.org/forum/viewtopic.php?t=88005NOTE: In the episode, I said that the 3rd fund was REITS (Real Estate Investment Trusts). In actuality the 3 funds are: a Total US Stock Market fund, a Total US Bond Market fund, and a Total International Stock fund.Jeff's Links:Firm Website: https://sbsbllc.com/Jeff's Bio: https://sbsbllc.com/our-people/jeff-porter/LinkedIn: https://www.linkedin.com/company/sullivan-bruyette-speros-&-blayneyYouTube: https://www.youtube.com/channel/UCXwiMNDGDFY87sjHPFB8lowMy Usual Links:Show Email address: Mainstfinance@gmail.comTwitter Account: @MainStMoneyYouTube Channel: https://www.youtube.com/channel/UCxWzLF_ZCgeDJ6PcIovg9ww
This week on the Richard Crouse Show Podcast: My guest today joins me via Zoom from his home in Massachusetts. Dan Lyons has spent much of his recent career, following jobs as a senior editor at Forbes magazine and a writer at Newsweek, examining something that is on people’s minds these days… work. Drawing on his experience at his first job outside of a newsroom, at the HubSpot start-up he has looked at how and why we work from all angles. He has been called “the Mark Twain of Silicon Valley,” and “Jonathan Swift for our own digital age.” No less an expert than money man Dave Ramsay, of daveramsey.com,” says Lyons is “the expert on the culture of work, and how it’s changing business and lives.” Today we take the conversation he started in his last book, Lab Rats: How Silicon Valley Made Work Miserable for The Rest Of Us, and recontextualize for the pandemic to talk about what work will look like in the coming months and years.
The power of reading... If you know how to read but don't, then how are you different from someone who is illiterat?Check out Total Money Makeover by Dave Ramsay!Check out I Will Teach You To BE Rich by Ramit Sethi!Rich Dad Poor Dad, Robert Kiyosaki!Check out Limitless by Jim Kwik!Support the show (https://www.patreon.com/mm365)
If I had to choose one skill I could instantly have a better understanding of, investing would be a worthy contender. Things like the stock market and real estate are topics I’ve been introduced to more recently thanks to books like The Total Money Makeover by Dave Ramsay, and Rich Dad, Poor Dad by Robert Kiyosoki, but, I have a hard time grasping the strategy behind these topics. That’s why I was so excited to talk to Ben Mizes on today’s episode of Founderverse. Ben is the founder and CEO of Clever Real Estate, a startup that helps homeowners save thousands on real estate commission, and is also a real estate investor in St. Louis, Missouri. On this episode, we talk about how to get started in the world of real estate, why he sold all of stock market investments in exchange for real estate investments, and how he grossed over $100,000 in two years through garage-sailing. Connect with Ben on Twitter @benmizes or on Insagram @guy_ben. Visit Clever's website at https://listwithclever.com/ --- Send in a voice message: https://anchor.fm/holsteinstudios/message
Reading with Evanna Dave Ramsay , sure didn’t get through the book
This is the second episode I record with Tom Corley, the first one was episode #99 back in December. Today, we are speaking about his new book Effort-less Wealth. Tom Corley, is an author, speaker, frequent media contributor and founder of the Rich Habits. He's also an avid runner, weight lifter, tennis player, CPA, CFP and has a Master’s Degree in Taxation. The business of selling books Selling books is a business, and just like any other business, you have to devote time to it, have goals, etc. In the beginning, Tom tried to reach the media to talk about his book for about three consecutive years. He sent over 1,000 emails. He sent out 1,000 books. He spent 1,800 hours making phone calls to radio stations so that they would interview him about his book "Rich Habits" and he got about 150 interviews. He sent about 40,000 tweets on twitter. Finally, Yahoo Finance accepted to interview him. That interview was a complete success with over 2 million hits. Soon afterward, he was asked to be interviewed by Dave Ramsay who has 8 million listeners. The interview with Dave went viral. Many other TV stations, radio stations, and podcaster started to ask Tom for interviews. The conclusion is that Tom sold almost no books in three years and then he sold about 15,000 in about one month. That led to interviews with all the major TV networks in the U.S. Also, publishing houses from many other countries have approached Tom to reprint his book in their countries and their languages. Since 2004, Tom has been studying the daily habits of the rich and the poor. Since then, his Rich Habits Study/Research/books have sold well over 100 million books in 27 countries. Tom has consolidated his study findings into something he calls the Rich Habits Research Summary. This Summary provides a listing of over 300 behaviors, thinking, and activities that separate the rich and the poor. About the book Effort-less Wealth Everyone's life is a series of stages: childhood, primary school, secondary school, college for some, getting your first apartment, marriage, starting a family, buying your first family home, managing your growing family, balancing work and family while managing your career, empty nest stage and finally, the retirement state. The money mistakes you make in one stage can have a ripple effect, impacting one or more subsequent stages. Make too many money mistakes and you will find yourself in perpetual catch-up mode, the rest of your adult life. Those who make the right decisions at every stage, tee themselves up for financial success. In this book, Tom shows you exactly what you should be doing at every stage of your life. The foundations for sound financial decisions are smart money habits. When you have smart money habits, you can save and invest during each of the stages of your life, so that when your kids leave the nest or you enter your retirement stage, you are free from financial worries and not financially dependent on your children or loved ones. Financial success is a process. Understanding that process, and following it, virtually guarantees that you will become, at the very least, financially independent and, perhaps, even wealthy. In this book, Tom Corley shares with you that process, embodied by specific smart money habits for each stage of your life. By following the lessons in this book, you will immediately catapult yourself into the top 5% of individuals -- the 5% who never have to worry about having enough money.
WARNING...this one gets really naughty about 30 minutes in. Just FYI. We start off with me admitting to Facebook Stalking. I'm not proud of it. Linda has some awesome money management tips from a guy named Dave Ramsay. We have a letter for the sex doctor (this is where things go sideways!) Erik's game...whose house do you want to live in. Linda is back with another 3 ingredient recipe. Does Erik actually fart on the mic? Much to Linda's horror, he succeeds. Small business shoutouts and TikTok talk. We also have our Zoom call tonight. The meeting number is 2166189841. 7pm. We'd love to see your faces! Love your podcast.
Avoiding the freelancer trap when running your video business - EP#69 with Keziah Robinson One of the common mistakes that video businesses make when moving from the freelancer model to a ‘proper business' is thinking all the income that is generated by the business is their own personal income. This is a risky strategy and so in today's episode, I speak with Kesiah Robinson about how to avoid that pitfall.Here's a sneak peek at what you'll hear: The "innocent" mistake many new business owners make that can land you in jail! - Listen up at 4:30What "Hologram" financial goals" are, and why they're about as useless as nipples on a breastplate. - 7:003 critical questions you must know the answer to when setting financial goals for your business. (Probably 1 in 1,000 small business owners know the answers to these questions, much less know the questions. - 7:50)Kezia's controversial financial goal-setting advice that would have finance guru Dave Ramsay wincing and wringing his hands. - 8:00The mysterious power behind writing down your goals. - 10:00How NOT focusing on your business can help your business. (I know this sounds like doubletalk, but it ain't. Hear this at 11:00)Why most people's dreams of being a business owner usually turn out to be nothing but flights of fancy. - 12:00A clever “litmus test” to see if you're aiming too low in your business - 14:00What the post-it-note on Den's computer says that gooses Den's productivity and keeps him out of the proverbial weeds. - 14:00The surprising reason why Den stopped making videos of his podcast show. - 15:00Den's profound business advice you should listen to at least 3x's - 15:50The best business advice Den ever got. (These wise words came from Den's former business mentor whose business blew up so much he retired in his 30's. - 18:30)How many small business owners are unwittingly leaving a bundle of money on the table. - 22:25A clever way to "flip the script" when negotiating with a prospect. (If you do this correctly, your prospects will be bending over backwards trying to impress YOU! - 24:00A startling “truth” about Mother Teresa almost nobody talks about. - 29:00 About Keziah RobinsonKeziah Robinson, CFA is a business strategist, coach, and investor with 20 years experience working with CEOs, founders & business owners across multiple industries. Keziah's passionate about helping her clients harness capitalism as a force for good. Her tailored approach incorporates elements of design thinking and behavioral science.www.cassia-partners.comConnect with Keziah on LinkedIn https://www.linkedin.com/in/keziahrobinson/Connect with Den on LinkedIn https://www.linkedin.com/in/denlennie/Get more great resources over at https://www.denlennie.com/Support the show (https://www.denlennie.com/free-training)
Seth remembers Rooster. Kyle teaches us why you should never take your Chromecast to work. Seth accepts Dave Ramsay as his personal savior. -------------------------------------------------------------------------------------------------------- Feel free to reach out to us! Facebook - Technically Directors -------------------------------------------------------------------------------------------------------- Twitter - @Tech_Directors -------------------------------------------------------------------------------------------------------- Insta - Tech_Directors_Pod -------------------------------------------------------------------------------------------------------- Email - technicallydirectors@gmail.com -------------------------------------------------------------------------------------------------------- Did you hear something you like? Check out the guys behind our intro - Danny Poe and Tim Frost - -------------------------------------------------------------------------------------------------------- Live in Florida and trying to quit tobacco? >>>> For tools and tips, Check out - Tobacco Free Florida --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/technicallydirectors/message Support this podcast: https://anchor.fm/technicallydirectors/support
Budgeting for beginners is hard enough without using the wrong budget app on your personal finance journey. With so many apps claiming to be the best budget app or the perfect money management app, it’s easy to download a crappy financial app that leaves you so frustrated, you quit budgeting altogether. In this video, Tiana gives her advice on selecting the right budget app for you! Budget like an expert by downloading the BEGINNER BUDGET CHECKLIST here: https://selahfc.lpages.co/beginner-budget-checklist Get more tips and strategies on creating a stellar budget here: https://www.tianabclewis.com/learn-to-budget Want to use the same bugdgeting app as Tiana and her family? Check out the EveryDollar app by Dave Ramsay at https://www.everydollar.com
Bobbi McCormick is such a breath of fresh air! She lives up to her online persona, bringing joy and optimism into our conversation. We met years ago through the blogging world and I’ve followed her story through infertility, foster care, adoption and more. I loved Bobbi’s perspective about “getting comfortable with being uncomfortable” and truly following God’s lead in those moments when we have no idea what to do. She’s fresh off of adopting her second child and deep into a “debt free by 40” plan a la Dave Ramsay. Bobbi is a fitness instructor with Revelation Wellness, marathon runner, preschool teacher and an inspiration through it all. In today’s conversation, we discuss what it was like to discover infertility, to walk through adoption and put her faith in God without knowing what was next. What we talked about: * Bobbi’s website* Revelation Wellness* Glorious in the Mundane with Christy Nockels* Go and Tell Gals podcast with Jess Connelly* Rhythms for Life podcast with Rebekah Lyons* You are the Girl for the Job by Jess Connelly* Come Matter Here by Hannah Brencher Connect with Bobbi: * Instagram* Facebook* Twitter Recent Episodes: * Jess Ekstrom: CEO & Founder of ‘Headbands of Hope’ Paves the Way for Women* Stephanie Lobdell: Where is God in the Everyday Struggle?* Loving Immigrants and Refugees: Briana Stensrud of ‘Welcome’
What is Dan's definition of burnout? Burnout means someone has got to the point where they are so tired or intellectually disengaged that they can't work. Here are a few of the things you'll hear about in this episode: * What dehumanization is and how it leads to burnout * Why some start-ups are happy to have high turnover * What "closing-the-gap" is and how it boosts employee happiness About Dan: Dan Lyons is a humorist, journalist, and screenwriter. He has been called “the Mark Twain of Silicon Valley,” and “Jonathan Swift for our own digital age.” He’s a sharp-eyed, cynical humorist in the spirit of Dave Barry, Jon Stewart and Bill Maher. But instead of politics, Dan aims his laser-sharp wit at the world of business, and especially Silicon Valley. Over the past decade Dan has given dozens of keynotes, entertaining audiences with his smart-funny takes on tech and the modern workplace. Dan is “the expert on the culture of work, and how it’s changing business and lives,” says Dave Ramsay, who runs the “Ramsay Talks” series in Toronto. Dan’s career as a satirist began when he created the Fake Steve Jobs blog where he spoofed the persona of Apple’s legendary founder and established his reputation as a gifted humorist and savvy critic of how technology shapes our culture. He wrote for HBO’s hit series Silicon Valley, and published Disrupted: My Misadventure in the Startup Bubble, a rollicking New York Times best-selling memoir about his time working inside a cult-like tech startup run by Millennials. Dan has written for the New York Times, Fortune, Forbes, Newsweek, and many others. He’s quick on his feet, loves doing Q&A, and will have your audience in stitches with his laugh-out-loud stories and self-deprecating wit. He aims to entertain but also to inform, leaving your audience with new ideas and a fresh perspective. You can find the full show notes with links to resources mentioned at talkburnout.com/podcast/2.
Connect with us! Facebook: www.facebook.com/advanceyourreach Website: advanceyourreach.com Email: info@insidethegreenroompodcast.com Welcome, Daniel Tardy from Ramsey Solutions, Inside the Greenroom! When Daniel first started with his position at Ramsey Solutions, his primary task was to fill Dave Ramsey’s event within 90 days. After cold calling and working long hours, he helped sell out the event and has never looked back! He has served as the company’s Executive Vice President, Board Member, and Meeting Planner for live Dave Ramsey’s live events over the past 15 years. In this episode, we dig into the nitty-gritty details of what it takes to both FILL and RUN a world-class yearly event - creating an experience that has people enthusiastically come back annually. We cover multiple subjects such as: the internal mindset you must have before you start, establishing a community, reducing buyer’s remorse, running a yearly event, and creating a WOW experience every time. For the speakers listening, Daniel covers how him and the team goes about selecting a speaker, and what you should bring to the table if you’re not a “big name.” We also cover: How Daniel filled Dave Ramsay’s very first event within a 90 day timeline (note: this was a “do or die” situation as his compensation was tied to filling those seats!) Looking to start a business and eventually run your own events? Learn the key questions you should start with before anything Where to look when it comes to finding motivated staff to fill your events What you should strive for in order to have attendees say “I'm going to trust you with this money to come to this conference.” The level of service you should provide when it comes to selling high ticket events that have a starting price of $2,000! The “little touches” you can give to attendees from the moment someone signs up, to the start of the event Isolation is the enemy! How to “manufacture” experiences designated to encourage attendees to interact with each other & build relationships What attendees truly value at live events (note: this goes beyond the information dispensed) Ways to establish a community before the live event even happens How to instantly add value and reduce “buyer’s remorse” for attendees who sign up for an event The dangers of having a “template” when running yearly events The process Daniel goes through to filter & find high quality speakers for Ramsey’s live events When audience surveys can backfire as a feedback mechanism for your events How to stand out as a speaker, even if you’re not considered a “big name” in the industry And much more! Quick Episode Summary: 0:27 Let's step into the Greenroom! 0:38 Welcome Daniel1:27 What is Entreleader? 4:33 How Daniel used local stages 5:04 Dave Ramsey's first leadership event 6:00 What is your playbook? 6:58 Your story is enough 10:18 The key that kept their event growing 12:39 The playbook to Dave Ramsey's event 15:36 How an App can upgrade your event 20:43 How many speakers Dylan books 28:11 How to land Dave Ramsey's stage 31:16 The speaker that has impacted Daniel the most 32:38 Daniel favorite up-and-comers 33:55 Why live events are still important 35:26 Daniel favorite moment inside a green room 37:34 Final thoughts Connect with Daniel: Website: www.daveramsey.com Tickets to the event: www.daveramsey.com/events Mentioned Speakers: Zig Ziglar - www.facebook.com/ZigZiglar Speakers to pay attention to: Rabbi Daniel Lapin - www.facebook.com/youneedarabbi
Dave Ramsay says the NWT needs his experience as the former minister seeks a comeback in Frame Lake, while Rylund Johnson promises to cut out government doublespeak if elected in Yellowknife North.
Financial literacy is more closely tied to wellbeing and happiness than wealth. Those with a high net worth can be extremely unhappy, and those with a relatively low net worth can be very deeply fulfilled. More important than the amount of money in one's bank account is the alignment between how one uses that money and what one values and considers most important. In today's episode, my special guest Manisha Thakor shares with us some of her vast wisdom and experience around financial literacy and offers tremendous guidance and advice about making smart decisions around saving, spending, investing, and more. If you have or are planning to work with a financial advisor, Manisha has some critical advice on making sure that the advisor has your best interests in mind and has the right overall philosophy. Manisha Thakor is a nationally renowned financial literacy advocate for women who has worked in the financial services industry for 25 years. Her wisdom has been featured in a wide range of national media outlets including: The Wall Street Journal, The New York Times, CNBC, The Today Show, Dr. Oz, Women's Health, Glamour and Real Simple. Manisha sits on the board of The National Endowment for Financial Education, and is on faculty at The Omega Institute's Women's Leadership Center. She is also the co-author of two personal finance primers for young women in their 20s and 30s called On My Own Two Feet (https://amzn.to/2ysxVJd) and Get Financially Naked. (https://amzn.to/32X0dJY) Manisha earned her MBA from Harvard Business School and her BA from Wellesley College. During this episode Manisha recommended a number of books: Your Money or Your Life by Vicki Robin (https://amzn.to/2KaBDho) The Total Money Makeover by Dave Ramsay (https://amzn.to/2SYob2O) Pay It Down! by Jean Chatzky (https://amzn.to/2T0GSmH) A Room of One's Own by Virginia Woolf (https://amzn.to/334H9ty) Fat is a Feminist Issue by Suzie Orbach (https://amzn.to/2T7MZpv) To learn more about Manisha Thakor, you can connect with her on Facebook (https://www.facebook.com/ManishaThakor/), Instagram (https://www.instagram.com/manishathakor/), LinkedIn (https://www.linkedin.com/in/manishathakor), and Twitter (https://twitter.com/ManishaThakor), and check out her website (https://moneyzen.com). You can also find her podcast, True Wellth, wherever you listen to podcasts. It would really mean a lot to me if you would go to Apple Podcasts and leave me a review (hopefully a great one!), leave a 5 star rating, subscribe to this podcast so you never miss an episode, and download the episodes! And please spread the word and help our community grow! Thank you so much spending your time with me! And if you aren't following me already, you can find me on Instagram and Facebook, and click here to receive my newsletter. May you live purposefully, may you love yourself, and may you love life. Bye for now!
Learn Hustle Grow How Two Forty-Something Empty-Nesters Achieved Debt Freedom and Built a Thriving Real Estate Business Rob and Reshawn are the power couple behind the blog, Learn Hustle Grow. This power couple are the parents of two kids, and they are so inspiring because they are in their 40s and are officially debt and mortgage free. One a saver and one a spender, these two faced the challenge of melding their money together, setting them on a path to financial success. Dave Ramsey Dave Ramsey is the cornerstone of the debt payoff movement. He personally helped both Wendy and I, and he also helped both Reshawn and Rob as they paid off their debt. If you visit Dave’s website there is a wealth of information about the debt snowball process, and he also has a podcast that is easy to listen to. Here is a link to Dave Ramsay's total money makeover site. Rob Rob, one of three, grew up in Portsmouth Virginia to a poor but loving family. After high school he decided to commit his time and focus to joining the Marine Corp. During that time he had his own money, clothes and cars, but he learned little about money. After the Marine Corp he was able to go to college and get married. There were two big mistakes that Rob made during that time - mistakes that would take a few years to clean up. One is that he over spent, there by using all of his extra GI Bill money on expenses outside of college. Next he went through a separation in which he was left with all of the credit cards - which contained shared expenses, but which were in his name solely. He was a newly minted single dad, in debt. It would be some time before he would meet Reshawn, and clean up his finances alongside her. Reshawn Reshawn was raised in a single parent home that never really discussed money growing up - but she never felt like they were poor or broke as a family. It became clear there was no money for her and her sister for college, though, so she joined the Army Reserves. She finished college with the help of the GI bill, but ended college with thousands of dollars of student loans and credit card debt. She was also a new single mom, in debt. Reshawn realized that daycare expenses and baby clothes were her new normal, and she began to call the credit card companies to negotiate her debt. It took her 10 years to pay off her student loans - and all of her debt was taken care of before meeting her “Mr. Wonderful”. Two Lives Combined Reshawn hesitated when she realized that she was a saver while Rob was a spender, especially with the fact that they were not only combining their lives, but the lives of their 10 and 8 year old. Here is the advice they gave during our episode that outlines how they went through the process of combining their lives : Go through credit reports, earnings and premarital financial counseling Be open to adjusting the plan as you become aware of new ideas and realize that something works better than the current plan The relationship you have with money at the start of a marriage can, will and even should evolve - be thoughtful in your approach Find a combined plan that works for the entire family - For Rob and Reshawn this was Real Estate! Making Money Moves as a Unit Rob and Reshawn took multiple steps to overcome the hurdles that were in their way at the beginning of their marriage. Here is a blueprint that all couples should consider in order to follow the path that Rob and Reshawn: Pay off your debt together or side by side Save a 6 month emergency fund Make a decision on whether or not you will use credit to your advantage- together Agree on the rules and restrictions of credit card use as a family Find your key to financial independence. For Rob and Reshawn this is Real Estate. Real Estate Moguls Rob had the goal of becoming a real estate mogul, and eventually Reshawn joined in. We had the opportunity to learn about how they went from one property to owning multiple properties, including a small apartment complex! Now that they have multiple properties and have reached financial independence, what do they plan to do with their newfound freedom? Read the answers to their final questions to find out and listen to our episode to find out more about this! Rob and Reshawn on the final questions: Don’t Be Broke! Communication about money is KEY to success You should have your own “blow Money” or allowance money so you won’t feel guilty about spending it. The importance of being open to learning new things. Look beyond the day to day to grow your own life, your own interests and own business. Do not give up - keep reaching for your goals. Set it and work hard to get to the end. Book/ Podcast - Travel podcasts are there thing right now. They plan to make an announcement - They are going to take a break and leave corporate. They want to travel for all of 2019, visiting Buenos Aires, Argentina and the rest of South America. Find them and follow their story at learnhustlegrow.com Sites mentioned in this podcast: Dave Ramsey Bigger Pockets Listen to our previous episode about Justin, who retired a millionaire at 33 years old!
FAR 145 Expected Air Date: 04/23/18 Opening Hello everyone. What a great day we had Saturday at FlipStarter Atlanta! It was my honor to share some of my best secrets for Fixing and Flipping Houses to the group there and welcome new members into the Flipping America Mentoring Program. If you couldn’t make it we missed you and I want you to know that later today I’m going to put up a link on our home page that will give you the opportunity to buy the FlipStarter workshop on video. So head over to FlippingAmericaNetwork.com and check it out. Speaking of the Mentoring Program, our next Three Day training camp is coming up May 9-11 and it’s not too late for you to join us. However, since our program is invitation-only, you have to jump through a couple of hoops in order to receive that invitation. Hey it’s not like getting into law school or anything but we just need to talk. You can schedule a call with me by going to your web browser and typing this in exactly: bit.ly/TalktoRoger When you do that you’ll have access to my scheduler and you can pick a time. Then you will be given instructions for accessing a conference call you’ll need to dial into at the appointed time. It doesn’t matter to me where you are. I look forward to helping you in any way that I can. VIP lunches at FlipStarter - Lunch with me every Wednesday at Baraonda. How to Reach us www.flippingamericanetwork.com Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica YouTube: bit.ly/FlippingAmericaOnYouTube Linkedin: bit.ly/FlippingAmericaOnLinkedIn Call our National Comment Line: 404-369-1018, ext 1. Leave your message or your question. Announcements: My upcoming speaking engagements: Tonight I’m at Atlanta REIA West at 6:30, Cherokee Cattle Company in Marietta. . Details on the website and at FlipStarterEvent.com News! https://seekingalpha.com/article/4163689-real-estate-earnings-preview-5-trends-watching?page=6 http://middlemarketgrowth.org/its-the-small-things-real-estate-trends/ http://fortune.com/2018/04/21/climate-change-is-already-depressing-the-price-of-flood-prone-real-estate/ https://www.forbes.com/sites/forbesrealestatecouncil/2018/04/19/evaluate-this-factor-to-find-the-true-winners-among-todays-hottest-real-estate-markets/#64f5f2a36731 https://www.forbes.com/sites/ellenparis/2018/04/23/springs-2018-real-estate-market-is-a-good-news-bad-news-story/#6b738a1b2c35 Topic - The Next Level - Passive Income We started last show talking about Hitting Your Stride. Today I want to talk about what you do when you are operating Active Income business at peak efficiency and are throwing off excess cash. You will want to consult your tax professional and if you don’t have one, it’s time to get one. What we are talking about today is creating Passive Income and heading toward true financial freedom. You are not necessarily free when you are making really good -- or even great money in your business. Because when you stop operating that business - even to take a week or two vacation, your pipeline feels the effect and depending on your product cycle - in this business 4-6 months -- your income is going to take a hit. If you need this money to pay your bills and maintain your lifestyle, then you will feel the pinch and suffer. No you have financial freedom when your passive income pays the bills and your lifestyle can continue whether you are working or not. When you reach this point you may conclude that you no longer need disability insurance, although you may want to continue coverage for long-term illness or injury -- this would be a question for your insurance professional and made in consideration of your health and lifestyle. Motorcycle riding may indicate a higher need for various health care additives. So how will we get to financial freedom? Let’s consider a couple of approaches that I will have time only to outline, but these are topics we cover in much more depth in our Passive Income Mastery course. Free and Clear Single Family rentals. Flip 3 or 4, buy one. Buy small, brick or low maint. Exterior. Consider area, stability, upside. Try to buy where there are good schools. Locate near you for better management. Educate yourself on how to manage or outsource. After you have 10, consider outsourcing management anyway. The only truly cash-flowing single family rentals are free and clear. Borrow money for SFR Know the loan constant. Cost of payments (1 year) / loan amount. Know your expense ratio and calculate NOI. The spread is your cash flow. Most people fail at this. Either paid too much or poorly structured debt - the property never actually cash flows. It could be OK if you have plenty of cash to cover AND you are speculating on greater than market appreciation. Buy small multi-family. Up to 5 doors Finance like SFR Cash flow better, typically. Higher turnover anyway, so upside matters a bit less. Usually single or newly married, no kids. Schools not much of an issue. Convenience to employer is more important. Solid employment opportunities Stable or growing population. Buy apartments Distressed props, force appreciation, re-fi. Use syndication to do A. Loan Money Flip loans Rate and Term Equity Partnerships Rental loans Long term Steady income Watch your loan to value - keep it below 70%. Borrower pays for appraisal when needed. Borrower provides proof of insurances, pays taxes, etc. and provides proof. An entire section of our Passive Income Mastery Course. Motivational Thoughts for the day “Never Give Up, Never Surrender”. -Jason Nesbitt, Captain, Galaxy Quest. Comment Line calls and Questions Call 404-369-1018, press 1 and leave your message! Emails: Questions@flippingamericaradio.com Tell us where you’re from! Carl, Oconomowoc, WI, “Do you still use other people’s money in your own flips? If so, why? Wouldn’t it be better to just use your own cash at this point?” Cindy, Westchester, PA, “I heard you talking about the advantage of leverage in real estate deals. How do you reconcile this with Dave Ramsay’s teaching that we should never borrow money - ever - especially for real estate investments?”
FAR 146 Expected Air Date: 04/26/18 Opening Hello everyone. It’s a beautiful spring Thursday here at our studios on Peachtree St in Atlanta, GA. We’re going to talk real estate investing for the next 60 minutes, but we are going to approach it from a slightly different angle. Over the last few shows we’ve been talking about a Place to Begin, Hitting Your Stride, and The Next Steps. Today we will continue with some thoughts about Purpose. What drives you today? And I’m not talking about that driverless car you may be in. And I’m not asking you what drives you nuts! I’m asking you to think a bit about your motivation in life. We will dig into that in a few minutes. I also have a stack of questions to answer, including a ton of questions about our Mentoring Program. Our next Three Day training camp is coming up May 9-11 and it’s not too late for you to join us. However, since our program is invitation-only, you have to jump through a couple of hoops in order to receive that invitation. Hey it’s not like getting into law school or anything but we just need to talk. You can schedule a call with me by going to your web browser and typing this in exactly: bit.ly/TalktoRoger When you do that you’ll have access to my scheduler and you can pick a time. Then you will be given instructions for accessing a conference call you’ll need to dial into at the appointed time. It doesn’t matter to me where you are. I look forward to helping you in any way that I can. VIP lunches at FlipStarter - Lunch with me every Wednesday at Baraonda. How to Reach us www.flippingamericanetwork.com Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica YouTube: bit.ly/FlippingAmericaOnYouTube Linkedin: bit.ly/FlippingAmericaOnLinkedIn Call our National Comment Line: 404-369-1018, ext 1. Leave your message or your question. Announcements: My upcoming speaking engagements: I’m off the road for a couple of weeks while we plan for our next Mentoring Training here in Atlanta May 9-11. Monday - the Flipping America App debuts in the Apple Store. Already in the Android Store. News! https://www.bloomberg.com/news/articles/2018-04-25/ford-ceo-plans-11-5-billion-more-cuts-pulls-ahead-margin-goal https://www.bustle.com/p/dark-chocolate-reduces-stress-in-humans-according-to-a-new-study-8895145 https://www.newsday.com/business/long-island-home-prices-1.18259160 http://www.jhnewsandguide.com/jackson_hole_daily/local/real-estate-market-shows-signs-of-improvement/article_5e2c0ad0-c249-580f-8e0f-afccd58c270e.html http://flatheadbeacon.com/2018/04/25/real-estate-market-trends/ https://www.usatoday.com/story/money/columnist/2018/04/24/real-estate-best-investment-bear-market/530470002/ http://boisestatepublicradio.org/post/state-idaho-real-estate#stream/0 Topic - Understanding Your Why Why are you doing all this? Ask the question. Keep Asking until you get to an emotional level. Drill down to the core of your motivation. Why? Because this brings Focus Determination Clarity A sense of purpose will guide your business plan, your short term goals, and even your daily schedule. If you are constantly aware of your underlying motivations and life goals, they will inform many of your difficult decisions with guidance. Motivational Thoughts for the day “Never Give Up, Never Surrender”. -Jason Nesbitt, Captain, Galaxy Quest. Comment Line calls and Questions Call 404-369-1018, press 1 and leave your message! Emails: Questions@flippingamericaradio.com Tell us where you’re from! Carl, Oconomowoc, WI, “Do you still use other people’s money in your own flips? If so, why? Wouldn’t it be better to just use your own cash at this point?” Cindy, Westchester, PA, “I heard you talking about the advantage of leverage in real estate deals. How do you reconcile this with Dave Ramsay’s teaching that we should never borrow money - ever - especially for real estate investments?” Chastity, Birmingham, AL “How do you calculate the cost of a hard money loan?” Scott, Lancaster, PA “Have you ever been in a multiple bid situation when buying? Is this a time to break the 70% rule?” Joe, Fredericksburg, VA “My wife and I are a bit at odds with a rehab we are doing and wonder if you could help. We agree with the idea of a ‘wow’ factor in the house, but she has ideas for the kitchen, the master bathroom, and the deck in the back yard. My argument is this is basically a first-time home buyers house and we should focus on just one of these. We want to make it great but we also want to make as much money as we can. We both would appreciate your thoughts.
Rod Arquette Show Rundown - Monday, March 26, 20184:20 pm: Paul Kengor, author and Political Science Professor at Grove City College, joins the show to discuss what he sees as the hypocrisy in the Stormy Daniels controversy when it’s compared to that of Monica Lewinsky4:35 pm: Former Senator Tom Coburn, now Senior Advisor for the Convention of the States Project, joins the show to discuss why now, in the midst of the passing of the Omnibus Bill, is the perfect time for a convention of the states5:05 pm: Greg Skordas, local defense attorney, joins the show to discuss whether someone seen openly carrying guns are creating a disturbance or just exercising their rights6:05 pm: A group of Utah Republicans is joining forces to call upon party leaders to speak up when GOP officials stray from strong morals and ethics, and the organizer of Character First, Sven Wilson, joins Rod to discuss the group’s plans6:20 pm: Ashly Dean, a student in the Master of Social Work program at the University of Utah, joins Rod to discuss her recent op-ed piece in which she calls for people to realize that news sources are dividing our nation6:35 pm: Don Milne, Financial Literacy Manager at Zions Bank, joins the show to preview this week’s Dave Ramsay events in Salt Lake City
Dr. Joe White is a nationally know, Author, speaker and business consultant. Joe has a true entrepreneurial spirit and it has allowed him to join the ranks of those entrepreneurs who can boast that they have never worked a 9 to 5 job throughout their adult life. His professional experience has quite varied Dr. White has sharpened his skills in several capacities. From serving as CEO and COO of million dollar companies, to speaking on stages across the country. In 2001 he started a real estate investment company buying and selling houses through out North Carolina. In 2005 he took to the stages across the country selling his Real Estate Course “How to Make 5,000 to 10,000 a month wholesaling real estate”. The course taught the successful strategies he learned and developed on buying and selling properties with little to no money down while running his company. During the 2005 lecture tour, he was asked to be the keynote speaker at the 2005 graduation of the Breakthrough Bible College in Temple Hills, Maryland. Where he was bestowed with an honorary Doctorate of Humane Letters during the graduation. Sault after for his advise and insight by business start ups, celebrates and large corporations. For over 20 years he has served the entrepreneur community. Launching events like The Triad Entrepreneur Pitch Tank the number one business event in the Triad area of NC, serving on boards such as Benaiah Holdings Group a OTC publicly traded venture capital firm and serving as the NC reparative for CEO Space International, the business conference ranked #1 in the world by Forbes and Inc. magazine as” the conference entrepreneurs can't afford to miss. Dr. White is also the co-author of The Best selling book Concrete Jungle Success Strategies for the Real World, which also features best selling author and star of the movie The Secret Bob Proctor. Dr. Joe White is currently avalible for business consulting, real estate investing coaching and speaking engagements nationally and internationally. With topics ranging from Business Strategy, Goal Setting, Real estate Investing and Entrepreneurship. To Book Dr. Joe White or get more information email admin@drjoewhite.com or visit www.drjoewhite.com Here's the Transcript of the Interview Hugh Ballou: Welcome, everybody. The Nonprofit Exchange is about goals today. I am attending a conference and have a little bit of noise in the background. While our guest today, Joe White, is speaking, I will be muting myself so there is no noise in the background. I have known Dr. Joe White for a number of years. He is an expert in real estate. He is also an expert in leadership and goal-setting, among other things. About a year or so ago, I asked him to participate in my Nonprofit Leadership Empowerment Symposium and teach the module on goal-setting. He was so good it was better than me doing it. I invited him to come on the Nonprofit Exchange and talk about goal-setting. Joe, we have shared one of your books, the anthology, but I believe you have a book that is more about goals. Feel free to talk about that book. Joe White, welcome to the Nonprofit Exchange. Joe: Thank you, Hugh. It is good to se you again. Hugh: We have our co-host Russell Dennis who is having some technical issues, but he will be on here to ask you some really hard questions later. He is streaming it live to Facebook. Dr. White, would you tell us about yourself, especially your background working with leaders and setting goals? Joe: Hugh, one of the things I always tell people that is unique about me is I am a person who has never had a job in my adult life. In not having a job or set occupation or set system, I pretty much had to figure out goals and systems and things like that at a very early age. What made me make that decision was when I had my first kid. I was thinking to myself without an college education, What can I do to mak sure my first daughter had the type of life I felt like she deserved? I knew entrepreneurship and business would be what I needed to do. I quickly started reading. I still to this day go through about four books a week. I study everything from business to entrepreneurship to real estate to religion to spirituality. I use all of that information and put it into different systems I use to help myself and my clients. I have been doing that since the age of 16, 17. I always had some way of making income that I would create myself just basically out of my head. I did real estate for a number of years. I took every course you could probably think of, every boot camp, workshop. Quickly made a million dollars in real estate. Switched from real estate to mental health for a while. Then I started doing speaking, consulting, and things like that, working with clients around the world, helping them be better in the areas of entrepreneurship and real estate investment. Hugh: That's more than I had previously known about you. Joe: It's something a little different. Hugh: Absolutely. That is why I invited you on today so we could learn some more about these different areas of expertise. Let's talk about this topic of goals. Everybody writes goals. Very few people accomplish goals. I wanted to hone in on this particular piece because I have seen you teach this before. Why have you gravitated to this as one of the topics that you teach? Joe: I think that one of the things I feel like I am known for is making things simple for entrepreneurs and businesspeople because every business has its own language. If you were to go to Spain or Mexico and you didn't speak Spanish, you couldn't get a lot accomplished. What I try to do is make things simple. One of the first steps I think everybody needs to learn is how to set proper goals: the foundation of which everything in your business and your life is built upon. I feel like that was the best place to start. I read Think and Grow Rich when I was 14 years old. I have been setting goals ever since. I always learn something new. I am constantly studying. It is not like I learned about goals then and I stopped. I constantly study it. What I did was simplified the major techniques of goal-setting so that the average person could understand. Hugh: I have seen you present a short lesson on this. Are you prepared to give us Joe White's overview of setting and achieving goals? Joe: I am. Hugh: Well, I am going to be all ears. I am going to listen for a little bit. Russell has been known to take notes and come back with a really hard question, so be prepared. Joe: I'm ready for you, Russ. So Hugh, what I will tell you is the system that I use for goal-setting, I call GPS. Just like you have a GPS in your car or on your phone, the purpose of the GPS is to guide you from one point to the destination you are looking to go to. I feel like GPS was the appropriate title for what I consider to be my goal-setting system. That stands for when I do that. When I say GPS, in this particular case, GPS stands for Goals, Purpose, Steps. Sometimes I interchange “system” with “steps” because sometimes we go through the steps, and sometimes we put a system in place in order to get what we actually need to get. What is a goal? It's something you want to achieve in your life, in your business, in your personal life, or wherever it is. Most people die within five years after retiring. The reason why they die is because if we are not growing, we are dying. If you lose your purpose for life, what I am saying is you are probably going to die shortly after. Now, some people, if they retire, they will switch to something else, whether it's taking care of their grandkids or going to another part-time job. But if we are not constantly working toward something, it's like there is no reason to live. Goals are that important to our life. What we focus on is what we get. That is why it's important to find things that we have to focus on for achievement. What really makes us happy—and it's hard to define happiness—is seeing progress. Something about progress in human beings makes us happy or feel fulfilled. If you think about it, why I say that, I'll give you an example. When we are growing up, most of the time in the house where we live, our mom would mark with a marker over your head how tall you were. You just couldn't wait every month to see if you had grown. I used to be that small, and now I'm this tall. I was three feet, and now I'm four feet. We would get happy or excited to see that we had grown an inch or two inches and see how tall we got. That was progression. That was a way of measuring progression. We didn't understand that was almost like goals because a lot of people will say, “I can't wait to get as tall as Dad or my brother.” We were really setting goals. We were using the notches on the door or on the wall as a way of measuring that and showing progression. That is basically what I'm talking about when I'm talking about GPS. Let's set a goal. Let's measure the goal. Let's put a system in place for getting that goal and knowing if we are on track or off track. The other thing that I love to tell people about is what's called goal alignment. This is what I really talked a lot about, Hugh, at your event. Most people understand the basics of goals. What they don't understand is there has to be a balance to goals. You just can't have a goal to make a million dollars and not have other goals. I will give you some examples and tell you what I'm talking about. I set goals in every major area of my life. Just like a car has to be aligned, if you drive a car and the car is not aligned, when you start to go fast, the car will start to shake. If you go off the road, you could crash. Something bad could happen because you are going fast and you haven't aligned the car. The same thing happens in our life when we don't align our goals. You have to set goals in all the major areas of your life, not just in the financial area or the weight loss area. You have to set goals in your physical area. The reason why that is important, and I will give you examples on how goal alignment works in each of those areas, is if I don't set a physical goal to exercise and take care of my health and go to the doctor and get checkups, if I am working on these financial goals and my business goals, and I get sick or have a heart attack or something else, all of those goals now crash. Then my #1 focus will have to be on my health, so I have to have health goals. In my spiritual life, I have to have spiritual goals because a lot of times that is where fulfillment comes in, that is where balance comes in. My family life: if I don't take care of my kids, there are so many people who are wealthy who have problems with their kids where their kids are on drugs or whatever is happening. The kids are getting in trouble. When that comes up, now you have to take your focus off the business and money and build those kids. They are in trouble because you didn't make taking care of your kids or teaching your kids part of your goals. Part of my goals are physical and spiritual and family and friends. I don't know about you, but I know we have all had a situation with a friend where we say, “I really need to call this person,” and then something happens. The friend passes, God forbid, and you feel really bad because you feel like you didn't call that friend or family member before they passed. We have to have goals in the friend area. We have to have goals in the spouse area. How many people do you know who have been successful in business, and then they get a divorce and lose it all or lose half or lose the focus? Now later on they are regretting it, “I am enjoying the money, but I wish I had a better relationship with my wife or my kids.” There has to be goals in every single area of your life. You have to look at where these different areas are, where these different roles and responsibilities lie. I am a father, I am a son, and I am a business owner. You have to set goals for each of those. If you don't, what happens is you are going to have a crash in another area that will take away from you achieving those goals. That is what goal alignment is, and that is why that balance is super important. A lot of people don't think about that when they think about goals. The next thing is the P. Do you have a question, Hugh? Hugh: This is good stuff. You got my attention when you said people die five years after they retire. That is why Russ and I never retire. We keep pushing the inevitable later and later. This is so good. People set goals without the realization of what is the benefit. How is it going to benefit me in my life? You talked about that a little bit. Go ahead. This is extremely valuable stuff. Before you end, I want to focus on personal goals and corporate goals. We are leading a charity, church, or synagogue, so those are organizational goals. Very often, we don't write personal goals. Then compare the two. Let me not interrupt you any more. This is really good stuff. They can comment. Russ, is your audio working yet? I don't know if his audio is working yet. Are you there? Russell Dennis: I'm going to try. Can you hear me again? Hugh: Yes. Glad you're here. Just know, Joe, that he is capturing sound bites in his brilliant way. He will have a chance to come back with questions. Russ, if it's okay, we'll let him finish his presentation part, and then I'd like to throw it to you for a few questions, if that works for you. Russell: That will work. Hugh: All right, Joe, go on. Joe: Those are called areas of management. Everybody has two main areas of management, which are the personal areas of management and your business areas of management. Each of those areas has to be aligned. You want to balance out your business area. What are the key elements in business that make you successful and set goals in those areas? What are the key elements you need for your personal life? Set goals in those areas. I used to think, I only need a business goal or a sales goal or a money goal. But I quickly learned I had to balance all those areas in business and personal. Going to the P in GPS, the P stands for purpose. It is your why. I can tell you about setting all these goals, but it doesn't make a difference if you don't have a why. The why is the gas in the tank of the car. It's what makes things go. If I tell you, “Don't touch the stove,” we would tell little kids not to touch the stove, the first thing they say is, “Why?” “Because it's hot.” Maybe they don't understand at first, but the moment they touch the stove, they quickly understand that it's hot. That is the motivation, the why. Why don't we run red lights? Why does everybody stop at a red light? Because you will get a ticket. That motivates us not to do it. We have to understand with anything we're doing what's our why. Why are we doing this? What feeling, reward, are we going to get from actually achieving that goal? That is going to be the motivation for us to act. If we don't understand that why, we often don't achieve the goal. One of the most average, normal goals that everyone wants to set is how to lose weight. The problem becomes a lot of times the why isn't strong enough. The why isn't more powerful than the ice cream sundae. Sometimes we have to do a deep dive within ourselves and figure out why we want it. Sometimes it's not important enough to us. We're okay with where we are. Sometimes people don't go after that goal. We definitely want to build a strong why. The S is Steps or System. If you remember before there was GPS, everyone would pretty much have a map. We would get these maps from the gas station. How we would gauge if we took a trip to Winston-Salem, where I live, to Orlando, Florida, where Hugh is now, is we would look at the map and see the different cities along the way. I would see in an hour and a half I would be in Charlotte. Then I'll be in Georgia. Then I'll be in Jacksonville. Then I'll be in Orlando. That was a way of us gauging we were going in the right direction. Sometimes when my GPS screws up and it sets me on the wrong road, it will reroute me back the right way. That happens to us sometimes, too, when we are doing goals. We start going the wrong direction, and we have to reroute ourselves to go back in the right direction. I'm saying all that to say if we have a goal to lose 30 pounds, we want to plan stops along the way. We want to say, “Okay, in one month I am going to lose ten pounds. Month two I am going to lose pounds. Month three I am going to lose ten pounds.” When we gauge or check, we know we are headed in the right direction. If we're not, we know we need to do something different. We need to exercise more or diet more or whatever it is we need to do. But that is just a way of gauging if we are going in the right direction. The other thing is systems. A lot of times you don't have to think of everything yourself. There are systems already in place created by other people that allow you to just plug and play. I am a big fan of systems. I listen to Dave Ramsay and use his budgeting system. There are different dieting systems. If you think about a company like McDonald's, every Big Mac at every McDonald's tastes the same way. That is because they have a system in place to make it the same no matter where you go. There are systems in every area of life that you can plug and play that will help you get the result you are looking for. Again, that goes back to that why. If you don't have a strong enough why, you don't move forward in the systems and actually do the things you are supposed to do. Questions, Russ? Russell: Good day. Thanks for joining us. Can you guys hear me okay? Hugh: We can. Russell: Excellent. I love the GPS. It's really a good direction. We rely on these for our cars. We rely on them to keep us going the way that we're going. It's important to put the right information in the GPS, so the why is really critical. How long have you been using the GPS system, and what sort of success have you had with the people you work with in explaining this system? It certainly sounds like something that people, once they hear about it, get. Joe: I have been using it for five years. I use it a lot of times on projects. I have a lot of clients I work with. Some are celebrity clients. I am working on projects, whether they are movies, television shows, major real estate projects, or projects for hedge funds. Pretty much, even though they are all big strategic projects, some are small or some are up to ten million, the premise is till the same. There is a goal they want at the end: if it is a movie, to get the movie made; if it's a TV show, to get the season filmed; if it is a real estate project, to raise the money in order to buy the land. It's the same process, GPS. I have used that process with major clients to regular people. Russell: Do you find that people who work with this system enjoy using it? Whether the results they have gotten using the GPS system as opposed to what they have tried before. Joe: What I find is that people like things they can relate to something else. What helps us understand something is when we can say, “Okay, this is sort of like this.” When you can say, “Okay, I get it because I can think of a map and destinations and directions. It's pretty simple.” The current project I am working on is for a large television show with a celebrity who has been on TV for years. We use the system for funding and getting the project done. We had great results and raised half a million dollars. I am using the system now with a former NBA player. He is raising five million dollars, and we have had great progress. We are still in the middle of it. I have used it for myself for years. I used it also on my kids. I don't tell my kids what to do anymore because they are all in college, but I coached them. This is one of the things I coached them on. What are your goals? What type of grade do you want to get in this class? How many hours do you ned to put in? How much do you need to study? What do you need to study in? Things of that nature. I am working on my daughter now who is taking the bar. We are using GPS to get her prepared for the bar. Her goal is to pass the bar and start to practice law. So far, we are having great success with her as well. Russell: The thing with this system that makes it so beautiful is that it's simple. But it can be deceptively simple because of the concept. Have you found people that stumble with it or just stumble grasping the simplicity of it and applying it to their goals? Joe: I think that goes back to that why piece. Most things to do with success are easy anyway. We all pretty much know what we need to do. If we need to lose weight, we know that we need to move more and eat less. What stops us from doing that is not having a strong enough why. You want something that you shouldn't have more than you want the results that you want. I don't think it's so hard; I think the discipline comes into anything you want to achieve. Anything you really want, there is an element of discipline. I always think about people who pray but never take any action. There is a funny story I heard about a woman who wanted to win the lottery. She would get up every single morning for a year and say, “God, please let me win the lottery today. I hope I win that million dollars.” She kept doing it for a year. By the end of the time, He said, “Listen, lady, I need some help. At least buy a ticket.” Often that's what I find a lot of people do. They don't buy a ticket. Russell: When people come to you, they probably have gotten to know who you are. When people come to you, where do they typically find themselves? Is a typical person that comes to you someone who is already a high performance person, or do you get people who are stuck personally and professionally looking for solutions? Joe: I think a lot of people find me when they have vision confusion. They have a vision of something they want, but it's almost like they don't know how to get it. I do believe a good coach doesn't really give you the answers, but a coach pulls the answers out of you that are already there but you just don't believe that those are the answers. With anybody I work with, from celebrities to my kids, I find they all have the same similar issues. They know the answers; you just have to pull them out of them. Russell: Okay. I think people have an inherent genius and they get blocked. You talked about the word “belief.” I think that's critical because I have had blockages. It's really a matter of what I believe would actually happen. So when you meet a person and they are in that place and it is clear to you that the belief is the problem, how do you approach getting them on track? Seeing the possibilities when they are stuck? Joe: I think that there is something I use called the power of questions. Anytime there is something wrong, pray first. Then if you sit down with a piece of yellow paper and write the numbers 1-50, I say to write 50 ways to make this happen. Let's look at the top three ways you come up with and read those top three ways every day. There is something, too, about the subconscious mind. That is when we go back to reading Think and Grow Rich. Normally I fall asleep with it playing on my audiobook, and I will wake up and play it again. Building that subconscious mind, that self-confidence, doing affirmations, redoing it every single day to build your confidence and faith in yourself, and then going back to those solutions that you know you should use and implement them. I was seeing something on Facebook the other day: Motivation gets you in the game; execution keeps you there. Russell: It is about executing. It is about taking action. For me, I have had to act my way out of these blockages more than anything else. Once you get somebody to believe, do you start on the small scale, or do you just say we are going to go into this at full speed? Do you start at a small scale and build small victories? Or does that approach vary from person to person? Joe: I think it varies from person to person because different people need different things. I have had celebrities that you would think would be much further ahead than the average person, and they really aren't. Everybody has different strengths and weaknesses. Most people do a SWAT. What are your strengths and weaknesses? We talk about that. We need to look at if we need to strengthen the strengths or the weaknesses first. That is normally where the first place I start is. Are you the right person to be doing certain things? There are some things you maybe shouldn't do. Maybe if you are bad at accounting or bad at money, instead of getting stronger at budgeting, maybe you need to bring in someone who is already strong at that, a CFO or something like that, to handle that particular issue. Everybody we deal with a little bit differently. Russell: Okay. I think it's probably better to work from your strengths. Sometimes we can burn a lot of energy working on weaknesses. Do you find that that is a big part of the roadblock? Too much focus on the weakness. Joe: Most definitely. Recently, I was doing a lot of studying on how to do Wordpress to do my own website development. I felt myself spending so much time on that. I said, “You know what? The time I am spending on trying to learn this, I could have hired somebody and been doing something that actually matters that makes me money.” It's not that it's not important, and I like to be able to update it; I've got that part. Some of the design, it's not a good use of my time to learn how to do all of that. I think we all have to look at what things we should remove from our day or remove that we don't do. There's something I call the time-money equation. Is this the time I'm spending off the money I will make doing the major things that I do? If it's not, I don't need to do it. That may be cleaning the house, cutting the grass, washing the car, whatever it is. The majority of our time needs to be spent on what h most important things for me to do to make progress. Russell: That's a good way to measure. Does the time spent actually pay for itself? Does it pay for itself? Everybody has got a little bit of a different value. Do you tend to move people toward monitoring value? Is it personal core values? How do you help people prioritize that cost and that value, that time spent? Joe: I think there are different currencies. Sometimes we only speak of money as currency. Time is a currency. Health is a currency. So I think we have to look at what the most important currency is. Do you want to free up your time so you can work on the other areas that we talked about with your goals, keeping that system in balance? Now I am going to stop doing the things that I'm not good at. I'm going to outsource them. I am going to focus on freeing up the currency that is time so I can spend it with my family, friends, wife, or whomever, so I can achieve the goals in those other areas we talked about that are important. There are all kinds of currencies. I don't want to think money is the only currency. Some people's goals are not to make lots of money; they want to make enough money to be comfortable but to have enough time to spend with their family and enjoy life. There is a balance we all have to find. Russell: I believe that people just don't have money for the sake of having money. What are the things that money are going to allow me to do? That might mean spending more time with family. That might mean vacationing. That might mean providing help or actually spending time working on a cause that is important to them. It's a little bit different for everyone, I believe. As a group, I know you work with people from many different walks of life. Do you find that people who are what I call difference-makers—my friend Wendy Lipton-Dibner says they are people with the heart space. They are either faith-based or working with a charity. Do you mind that these folks are more conflicted than folks that work in the corporate area, or are the problems universal, regardless of the type of profession a person takes on? Joe: I think they're universal. There may be the different currencies they are looking for. But I think it's universal what they're actually looking for. Some people in the heart space are looking to make a difference in as many lives as possible. Other people are looking to make money, and maybe they use that money to make a difference. It depends on the individual. Russell: How common is it when a person is sort of stuck professionally for it to be a personal heart space type of manner? Do you find that most of the blockages, regardless of what they are, can be traced to personal confusion or blockage? Joe: I think sometimes we want to repeat the same act but the show has moved on. What I mean by that is things change. When you look at commercials that have the ‘60s, ‘70s, ‘80s, and ‘90s, you will start to see a big change in fashion, but also the energy, how everybody looks. I think every ten years, the world changes. If you don't change in that ten-year space with the world, you will often get left behind. Then you're stuck because you're still trying to use what worked in that ten years in this ten years. I look at some of the changes that are coming up, and I see a lot of people who are stuck. We have a system where they are doing self-driving trucks. In the next six years, they are probably going to get rid of 60-70% of truck drivers. We get self-driving cars. We have screens on restaurants that are going to be taking orders. If you are still trying to drive a truck, and 70% of the work is gone, then of course you are going to be stuck. I think what happens to people that we are not adapting. One of the blogs I am working on writing right now is what would happen if you got fired today? It's one of the reasons I am really big on entrepreneurship and why I love working with entrepreneurs. There is not the job security that we used to have. So many jobs are going overseas, technology. I think that we have to adapt with the times. We have to always be growing. Going back to when we were talking about how when people don't grow, they die. I think that there are a lot of people I come across who haven't read a book since high school. They spend all their time either working or watching TV. Hugh: Russ, those are really good questions. I was going to encourage you to make them harder and harder. What Russ and I know to be true, and I have discovered this about Joe a while back, is that we in SynerVision—Russ is one of the WayFinders in SynerVision—reframe a consultant to be a WayFinder, but we also reframe strategies that aren't working. I would want to know from Joe a couple of things. Russ, maybe you had a couple more and I interrupted you. I'm sorry if you do. But may I ask two right here? Russell: Go for it. Hugh: It's piggybacking on what you are setting up so well. What are some of the things people do that are wrong that hurt them? What are some of the worst practices? You are giving us some best practices. What are some of the things that people should avoid doing? Russ, I will give it to you, and then you can take us out. We are in the last 15 minutes of the interview, so I will let you do a wrap, if you will. Joe: I would say number one is not being consistent. Sometimes you have the start/stop issue. They start something, they do it for a week or two, and they stop. If you start losing weight and working out, then you stop, of course your body will go back to where it was before, and then you are starting over. When they start over, they get discouraged or they can't find that same why that actually motivated them the first time. The other thing is to listen to people who don't have their best interest at heart. A lot of times, what happens is when you start to make progress in your life, that makes people around you who aren't making progress uncomfortable. If you can do it, then they have to look at themselves and say, “Why aren't I doing that?” It's much easier to stomp on your dreams or tell you you shouldn't be wasting your time losing weight than it is to actually do something themselves. I think that when we are starting to make change, we have to start to be friendly but not familiar. What I mean by that, even with family, sometimes we have to distance ourselves, or just show up at the Thanksgiving dinner but maybe in between that we don't talk as much because we are working on our goals. We don't need anything to taint that process or contaminate it. We need to stay focused on it and we need to stay consistent. Russell: Some people won't lift you up. It's hard to leave people behind. I think that's kind of a common problem. If I change, I am going to start losing people. That becomes a personal challenge that creates an inner conflict. One of our running jokes that I have with Hugh is that when I am standing in a room and I look up and realize that I'm the smartest guy in there, I run like hell and find myself another room because there is that disconnect. I know the work you do has a way to build accountability as part of that system. Do you find that a lot of people make commitments to others they don't make to themselves? In those instances, how do you help them work around that? Joe: I deal with that all the time. As a matter of fact, a coach is almost like a paid accountability partner. What I find a lot of people, and I'm guilty of this, too, is we will keep promises to others, but we won't keep them to ourselves. When you don't keep promises to yourself, that is actually what starts to kill your self-esteem and your confidence. Now you don't have confidence in your own word. If you kept breaking promises to your kids, eventually they won't believe what you say. If you do that to yourself on a constant basis, say I'm going to lose weight or I am going to make $10,000 and it doesn't happen over a period of time, you actually lose confidence in yourself. Whether you feel it or not, it's actually happening. What I believe you should do is either make a public declaration, like going on Facebook and saying I am going to do this by this time, because normally people will say something about it. Or you have an accountability partner who checks in with you once a week, and you tell them what you did toward your goal that week; maybe you do the same thing for them. Or you pay somebody to be accountable to. When I had a trainer, I felt like he was trying to kill me. I don't know if he had life insurance on me or what was going on. He would ask me every single week, “Let me see your food journal. What did you eat?” That accountability does help. Russell: I have an accountability coach. Wonderful guy. Hugh knows him. He has become a very good friend: Ryan Roy. The name of his business is Justify or Just Do It. His reasons are results. I think there is a level of comfort that comes from finding a reason why something didn't happen. Sometimes what we do doesn't work, but do you find that you come across a lot of people that would rather be in that comfort zone than actually really looking at results? Is excuse-making something that happens frequently? Joe: I think we all do that at times. We make an excuse as a way of keeping ourselves comfortable, but it's not getting us closer to our goals. I think that one of the reasons we have to measure constantly is when we measure something, there is no way we can deny that we are not getting results. The other thing is sometimes you have to come up with multiple ways of measuring. I go back to losing weight because it's something we can all relate to. I know I want to do it. But I realize that sometimes I would work out super hard, eat right for a whole week, and I wouldn't lose one single pound. What could happen is I would get discouraged, say this isn't working, and go eat the ice cream sundae. Then I start realizing, You know what? Maybe what I have to do is measure inches, too. I have to take a tape measure and measure the inches in the areas I want to lose because maybe I'm not losing pounds but inches of fat. Or maybe I'm gaining muscle. One of the things to prevent being discouraged or getting in the zone like feeling something isn't working is we have to find multiple ways to measure if we are making progress. There are multiple ways to see the growth. Russell: One of the things that Ryan has said to me is it took me a while to wrap my mind around the idea of celebrating small things. It doesn't matter how small. It's celebrate. That's what I like about your GPS system because you are talking about pulling things apart. That's what we try to advocate. Pull things apart. Take the larger goal. Pull it apart. Get smaller, more manageable. These little things add up to success. You get momentum. What are some of the ways that you help people build that momentum so that they are actually moving forward and are looking at things that can be measured? Joe: I think that any time you start a goal, you need a springboard. You need a way to have at least a small succession in a short period of time so the motivation stays high for you to continue. I go back to losing weight. It may be that you have a week where there is a cleanse or a fast. It's a little simpler to do, and it gets off three to four pounds. All of a sudden, you kickstart everything. When I am teaching real estate, I give my students a kickstart course, which is a simple course with four to five simple instructions that allows you to go out and see progress instantly so you are motivated to continue. Russell: That's it. Sometimes it's hard. We have to look back. That's the beauty and importance of making instant win. When somebody hasn't been doing things, they start working with you and they're not stuck, but you go a week and they are just on fire. You talk to them a few days or a week later, and they don't just have a list, they start off with a list of three things. The next time you talk to them they have War and Peace in front of them. How do you help them manage that process? Does it go from one thing to the extreme to the other? They're enthusiastic; you don't want to dampen that. But how do you reel that in as it were to keep somebody from overextending themselves? Joe: That's the catch. When we were first talking about GPS, we talked about setting goals in multiple areas of your life. They have to crash sometimes. Something happens in the personal life because you didn't set a goal in that area. All of a sudden, you can't focus on the business life. Or something is happening physically because you didn't set goals in that area. That is why those crashes come up. If you align, that doesn't happen as often. What I mean by that is if you think about a lot of pro athletes who didn't study finance, all of a sudden they get a contract with millions of dollars. Life starts to go fast, and now you see all those other issues. They didn't focus on their spirituality, so issues come up. They didn't focus on learning their financial piece about money, so now they start having money problems. When they leave the NBA or NFL, they're broke. They didn't align everything, so when life starts to go fast, a crash happens. We have to balance out all those areas in our life and set goals in those individual areas from financial to physical to spiritual to family to spouse to home to auto. When I have my system in place, I have home, auto, style, fashion, everything because there has to be a balance in there that all of these things are important to my life. If I neglect them, there will be a consequence at some point in time. That's the crash: the consequences from not actually balancing everything out. It's simple, but it's complicated. It's simple because all you have to do is sit down with a piece of paper and say, “What do I want in my physical life? What do I want my health to be like? What do I want my relationship with my creator to be like? What do I want my relationship to be like with my kids? Am I once a week going to take my kids on a date?” Sometimes couples do date night; what about your kids? Have a date night with your kids where you are going to take two hours once a week to spend with each kid because you are going to have two to three kids and not know them as individuals. You have to have that individual time as well. Or what about your spouse? After being in a relationship for so many years, you start to be more like roommates than lovers. There is no romance. That's because you didn't set a goal for that to happen. You didn't focus on that, so it didn't come to fruition. I saw Hugh on his birthday, and he was out on a date with his wife at a concert. Go, Hugh! That's GPS in the works. It worked. Keeping the juices going. Russell: I'm just wondering if he said to her, “Honey, you should probably drive because I've had a little bit. Because of my age and mental condition, I've forgotten my way to the theater.” She probably said, “Turn on the GPS.” Joe: That's probably exactly what happened. Hugh: My wife taught me harassment is a form of affection. I'm getting some of that now. Russell: I only torture people I love. Speaking of people that we love… What happened to me is I said I was going to do some things. Your family may hear some of these grand ideas and schemes and go, “Ah yeah, there he goes again.” There could be a little skepticism from those who are close to us. It's easy for a bachelor like me, but if you get somebody that is married and they have a family, sometimes that natural resistance that we have within ourselves, it comes from people around us. What are some ways you help people address that? That is very real. There is a lot of pressure with children, spouse, and other obligations. Joe: I believe every new ideal is born drowning. When you first come up with something in the first few minutes, the moment that you come up with it, it's best not to share it. It's better to fully develop it. Someone could say something negative, and it automatically starts to kill that dream because you haven't fully completed a vision. If you are going to share that idea, don't share it with anybody who is going to say something negative right away. Go to your support system. Go to your mastermind. Go to the people who are going to tell you how to make it happen, not the people who are going to tell you what could happen if you start to move in that way. I always believe if I come up with a great idea, I don't even want to share it. If I come up with a new book idea, there are certain people I am not going to share it with, except for a Hugh or a Russ who are going to say, “Joe, you should do this with that,” and they start pouring into that idea, breathing life into it, giving me positive feedback. Russell: That's important. Use the support systems that are available and keep it moving. Hugh? Hugh: I have a contrasting perspective on that. Sorry there are people being loud around me. My A of SMART goals is accountable. I find there is power in sharing it. I find motivation in like you said, Joe, when you write a goal and people go, “Let me connect you with some people. I can help you with that.” That is one powerful way of motivating ourselves with our goals, by sharing it. Another one is what Russ brought up, sharing it and people go, “You're going to do what?” I call that motivation. Watch me! There is a twist on that piece. I think you can win. We are coming up to our last five minutes here. Russ, do you have any more questions? Or do you want to let Joe do a final tip or piece of advice for people? Russell: There is a lot. I could spend all day asking questions. But I would really love for Joe to put a nice bow on it and talk to people because they face all of these doubts. As I said before, their system is deceptively simple in the concept of its intent. Taking that initial step, taking that initial step no matter how overwhelmed you are. I would love to have you talk to people about how they can do that, how they can fight that fear and move through that. Joe: Going through the system like you said is really simple. Figure out what you want in your goal. Hugh spoke briefly about SMART goals. You could easily, and I'll be happy to put a link up to a SMART goal sheet people can use. SMART goals is that the goal should be specific, measurable- What is the A, Hugh? I forgot. Hugh: Accountable. Joe: He said it before. Accountable. The goal should be realistic and time-sensitive. I will put up some SMART goal sheets on my website that you can use when setting your goals. I like to keep things simple, and that is why I came up with GPS. Know your goal, know why you want that goal, and know the steps to getting there. Simple steps. If it's five steps or ten steps, whatever the steps are. One of my goals is to help 100 people make $10,000 in real estate investing. To anyone who is on the actual podcast, if they will go to drjoewhite.com/freegift, I am going to put up the SMART goal sheets. I will give them a book on actual goal setting, and I will give them my free real estate kickstart course. That is quite a bit of stuff. Drjoewhite.com/freegift. They can have all of that stuff if they go there. Russell: I put that link up in the chat. That's great stuff. That's wonderful. Hugh: We'll make sure that link is in the notes for the podcast and on the page for the Nonprofit Exchange at thenonprofitexchange.org. We will put those links on that page. Russell: Yeah, I've got it in the chat here. This is wonderful stuff, Joe. I love your system. I am going to go have a look at that. Love to talk to you a little bit further. Joe: Most definitely, Russ. I am here to help anybody I can. I enjoy helping. I think service is super important. I want to serve and be a servant and help in any way I possibly can. We all have some things we want to achieve. We all want to be better. I would just say to everybody that now is the time. If not now, when? That is what I always ask people. Russell: Now is the time. Hugh? Hugh: Time is now. The time is now. Russ, those were really good questions. Joe, I teach goals, but like I said earlier in the broadcast, Joe did this module in my workshop in Raleigh. He did a better job than I do teaching my modules. I wanted to have him here to do that. When Russ does a module, he does a better job than me. One way I look really good is surround yourself better than you are, which is what Russ talked about earlier. Joe, thank you so much for being a guest today. Russ, thank you for being my co-host in this and crafting such great questions. Joe, we will put your information on the podcast and on the site. Thank you for the offer and the free gift for people. Joe: Thank you, Hugh. Have a great trip and a great time in Florida. Hugh: I'm loving it. Thank you. Learn more about your ad choices. Visit megaphone.fm/adchoices
We are concluding our Jesus on Money series with a message entitled When You Are Free: Power! Pastor Todd starts our time with the account of Jesus watching the offerings being brought into the Temple and the comment he made about the widow’s offering. That will touch off a discussion about generosity and sacrifice. When we do what Jesus has told us to do, it will release the power of the Holy Spirit in our lives. Download the additional "Measuring Up In My Giving" points mentioned in the message » Sermon Notes Jesus On Money WHEN YOU ARE FREE: POWER! Pastor Todd Dugard // Mark 12:41-44 March 19-20, 2016 D. When I am financially free, I have the power to... 1. Bless my family 2. Help the hurting 3. Fund the mission Questions & Answers Q: If I am in debt, should I still give my regular offering or pay off my debt first? I’m talking about consumer debt. And how much do I give? A: While being aggressive in paying off debt, we don’t want to become so focused on one thing we lose sight of everything else. We want to be out of debt so we can serve God with gladness and generosity. That begins now! So you should give something, and it should be an act of faith, not chump change that costs you nothing. How much? It will be different for each one. Perhaps the best way to go about it is to give an amount that forces you to sacrifice. For some, that might be a meal. For others, a vacation, or taking less vacation. Then give it first, give it regularly, and give it joyfully. Work through the 12 criteria that we learned in the series to determine what you should give. Q: I am not in severe financial need and have no outstanding debts, other than my credit card, which I pay off every two weeks. I do struggle with some sinful spending habits, but it doesn't ever get out of hand. After the money litmus test I've determined that I am not consumed over money, and don't struggle with greed. However, I do have several saving funds in process and spend a generous amount of money on hobbies. I also tithe regularly, and try to be generous in it, as well as have a sponsor child I support. My main struggle is, is it wrong if I spend more money monthly on a hobby than my tithe? With a hobby and saving towards some financial goals, is that being selfish where I could use this abundance of money towards something else? Is this something I have to just personally sort out with God? A: Yes, you have to sort it out personally with God. It is a wisdom issue. Get some good counsel. And remember that one day you will look into the eyes of Jesus and it might sound a little lame to say “Thank you for the great times flying my plane” (real or remote control). However, remember that God wants you to enjoy what he has provided on this earth. Q: Any advice for a couple that isn’t on the same page with the study? How can a saver handle a spender? A: That issue isn’t financial! You need communication and problem-solving tools. They will work great in every area! The real issue is getting on the same page. If you can talk about it and find a solution that you can both agree to, there is nothing that can break your harmony! Dave Ramsay would say you both are responsible for the budget. The nerd makes it and the free spirit approves it, suggesting they both agree with it. I know you want us to say, “Curb the spender!” But the saver usually needs to lighten up a bit too! Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: My heart is troubled and broken for those who have either been a victim of crushing debt and also for those who struggle with the devastating sin of covetousness. We all struggle with the lust of the eyes, the lust of the flesh and the pride of life. And to borrow a phrase from Max Lucado, “Jesus is the cure to this common life.” As we submit to the prompting of the Holy Spirit, we will get victory but often after many failures and disappointments. I have learned the hard way that God does not give you a U Haul and that we cannot hold on to anything or anyone too tightly in this life. I appreciate the series on money, however I wish it were tempered with a little more justice, grace and mercy. Applying the truths of 1 Corinthians 13, Galatians 5 and even more specifically Micah 6:8 in order to be sensitive to the fact that at the end of the day God does not need our money. He does not need us. But for reasons we will never fully comprehend, he loves us and this kind of love fuels our love and compassion for others. Our giving merely becomes an outpouring of love that does not expect to get any reward other than the love of our Saviour. So in thinking how we give: Is giving not under the control and leadership of the Holy Spirit? Should we not be encouraged to give in such a way that is secret, without fanfare. Avoiding the sin of a Pharisee and prideful motives? What about gifts of time talent and other treasures? Should the church find creative ways to give that offer ways to serve Christ other than the offering plate? I believe that Jesus Christ leads us into all truth as we spend time applying the truth of scripture, listening to the still small voice. We can get into a dangerous territory when we judge a fellow worker by our own personal convictions, remembering that while we are all part of the body of Christ, each one of us fulfills a very different function. Thanks for the opportunity to truly consider this issue and put it in somewhat of a proper perspective. Still a work in progress! Shalom. A: Yes it is under the control and leadership of the Holy Spirit. (That should cover all your other comments!) Yes, give in secret but Proverbs 11:25 says, “Whoever brings blessing will be enriched, and one who waters will himself be watered.” Also, 1 Timothy 5:25 says, “So also good works are conspicuous, and even those that are not cannot remain hidden.” For sure we encourage giving more than money. True giving starts with our hearts but if it never reaches your wallet something is wrong! 2 Corinthians 8:5 says, “And this, not as we expected, but they gave themselves first to the Lord and then by the will of God to us.” Q: If it is our responsibility to work and provide for our own households, is it biblical to solely rely on the donations of others to live as a missionary? Or should they both accept donations and work simultaneously? A: Paul is pretty clear on this. 1 Timothy 5:8 says, “For the Scripture says, ‘You shall not muzzle an ox when it treads out the grain,’ and, ‘The laborer deserves his wages.’” 1 Timothy 5:17 says, “Let the elders who rule well be considered worthy of double honor, especially those who labor in preaching and teaching.” In 2 Thessalonians 3 Paul notes he didn’t rely on their giving but not because he didn’t have that right. He says, “For you yourselves know how you ought to imitate us, because we were not idle when we were with you, nor did we eat anyone's bread without paying for it, but with toil and labor we worked night and day, that we might not be a burden to any of you. It was not because we do not have that right, but to give you in ourselves an example to imitate.” Galatians 6:6 says, “Let the one who is taught the word share all good things with the one who teaches.” Download the additional "Measuring Up In My Giving" points mentioned in the message »
We are concluding our Jesus on Money series with a message entitled When You Are Free: Power! Pastor Todd starts our time with the account of Jesus watching the offerings being brought into the Temple and the comment he made about the widow’s offering. That will touch off a discussion about generosity and sacrifice. When we do what Jesus has told us to do, it will release the power of the Holy Spirit in our lives. Download the additional "Measuring Up In My Giving" points mentioned in the message » Sermon Notes Jesus On Money WHEN YOU ARE FREE: POWER! Pastor Todd Dugard // Mark 12:41-44 March 19-20, 2016 D. When I am financially free, I have the power to... 1. Bless my family 2. Help the hurting 3. Fund the mission Questions & Answers Q: If I am in debt, should I still give my regular offering or pay off my debt first? I’m talking about consumer debt. And how much do I give? A: While being aggressive in paying off debt, we don’t want to become so focused on one thing we lose sight of everything else. We want to be out of debt so we can serve God with gladness and generosity. That begins now! So you should give something, and it should be an act of faith, not chump change that costs you nothing. How much? It will be different for each one. Perhaps the best way to go about it is to give an amount that forces you to sacrifice. For some, that might be a meal. For others, a vacation, or taking less vacation. Then give it first, give it regularly, and give it joyfully. Work through the 12 criteria that we learned in the series to determine what you should give. Q: I am not in severe financial need and have no outstanding debts, other than my credit card, which I pay off every two weeks. I do struggle with some sinful spending habits, but it doesn't ever get out of hand. After the money litmus test I've determined that I am not consumed over money, and don't struggle with greed. However, I do have several saving funds in process and spend a generous amount of money on hobbies. I also tithe regularly, and try to be generous in it, as well as have a sponsor child I support. My main struggle is, is it wrong if I spend more money monthly on a hobby than my tithe? With a hobby and saving towards some financial goals, is that being selfish where I could use this abundance of money towards something else? Is this something I have to just personally sort out with God? A: Yes, you have to sort it out personally with God. It is a wisdom issue. Get some good counsel. And remember that one day you will look into the eyes of Jesus and it might sound a little lame to say “Thank you for the great times flying my plane” (real or remote control). However, remember that God wants you to enjoy what he has provided on this earth. Q: Any advice for a couple that isn’t on the same page with the study? How can a saver handle a spender? A: That issue isn’t financial! You need communication and problem-solving tools. They will work great in every area! The real issue is getting on the same page. If you can talk about it and find a solution that you can both agree to, there is nothing that can break your harmony! Dave Ramsay would say you both are responsible for the budget. The nerd makes it and the free spirit approves it, suggesting they both agree with it. I know you want us to say, “Curb the spender!” But the saver usually needs to lighten up a bit too! Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: My heart is troubled and broken for those who have either been a victim of crushing debt and also for those who struggle with the devastating sin of covetousness. We all struggle with the lust of the eyes, the lust of the flesh and the pride of life. And to borrow a phrase from Max Lucado, “Jesus is the cure to this common life.” As we submit to the prompting of the Holy Spirit, we will get victory but often after many failures and disappointments. I have learned the hard way that God does not give you a U Haul and that we cannot hold on to anything or anyone too tightly in this life. I appreciate the series on money, however I wish it were tempered with a little more justice, grace and mercy. Applying the truths of 1 Corinthians 13, Galatians 5 and even more specifically Micah 6:8 in order to be sensitive to the fact that at the end of the day God does not need our money. He does not need us. But for reasons we will never fully comprehend, he loves us and this kind of love fuels our love and compassion for others. Our giving merely becomes an outpouring of love that does not expect to get any reward other than the love of our Saviour. So in thinking how we give: Is giving not under the control and leadership of the Holy Spirit? Should we not be encouraged to give in such a way that is secret, without fanfare. Avoiding the sin of a Pharisee and prideful motives? What about gifts of time talent and other treasures? Should the church find creative ways to give that offer ways to serve Christ other than the offering plate? I believe that Jesus Christ leads us into all truth as we spend time applying the truth of scripture, listening to the still small voice. We can get into a dangerous territory when we judge a fellow worker by our own personal convictions, remembering that while we are all part of the body of Christ, each one of us fulfills a very different function. Thanks for the opportunity to truly consider this issue and put it in somewhat of a proper perspective. Still a work in progress! Shalom. A: Yes it is under the control and leadership of the Holy Spirit. (That should cover all your other comments!) Yes, give in secret but Proverbs 11:25 says, “Whoever brings blessing will be enriched, and one who waters will himself be watered.” Also, 1 Timothy 5:25 says, “So also good works are conspicuous, and even those that are not cannot remain hidden.” For sure we encourage giving more than money. True giving starts with our hearts but if it never reaches your wallet something is wrong! 2 Corinthians 8:5 says, “And this, not as we expected, but they gave themselves first to the Lord and then by the will of God to us.” Q: If it is our responsibility to work and provide for our own households, is it biblical to solely rely on the donations of others to live as a missionary? Or should they both accept donations and work simultaneously? A: Paul is pretty clear on this. 1 Timothy 5:8 says, “For the Scripture says, ‘You shall not muzzle an ox when it treads out the grain,’ and, ‘The laborer deserves his wages.’” 1 Timothy 5:17 says, “Let the elders who rule well be considered worthy of double honor, especially those who labor in preaching and teaching.” In 2 Thessalonians 3 Paul notes he didn’t rely on their giving but not because he didn’t have that right. He says, “For you yourselves know how you ought to imitate us, because we were not idle when we were with you, nor did we eat anyone's bread without paying for it, but with toil and labor we worked night and day, that we might not be a burden to any of you. It was not because we do not have that right, but to give you in ourselves an example to imitate.” Galatians 6:6 says, “Let the one who is taught the word share all good things with the one who teaches.” Download the additional "Measuring Up In My Giving" points mentioned in the message »
We are concluding our Jesus on Money series with a message entitled When You Are Free: Power! Pastor Todd starts our time with the account of Jesus watching the offerings being brought into the Temple and the comment he made about the widow’s offering. That will touch off a discussion about generosity and sacrifice. When we do what Jesus has told us to do, it will release the power of the Holy Spirit in our lives. Download the additional "Measuring Up In My Giving" points mentioned in the message » Sermon Notes Jesus On Money WHEN YOU ARE FREE: POWER! Pastor Todd Dugard // Mark 12:41-44 March 19-20, 2016 D. When I am financially free, I have the power to... 1. Bless my family 2. Help the hurting 3. Fund the mission Questions & Answers Q: If I am in debt, should I still give my regular offering or pay off my debt first? I’m talking about consumer debt. And how much do I give? A: While being aggressive in paying off debt, we don’t want to become so focused on one thing we lose sight of everything else. We want to be out of debt so we can serve God with gladness and generosity. That begins now! So you should give something, and it should be an act of faith, not chump change that costs you nothing. How much? It will be different for each one. Perhaps the best way to go about it is to give an amount that forces you to sacrifice. For some, that might be a meal. For others, a vacation, or taking less vacation. Then give it first, give it regularly, and give it joyfully. Work through the 12 criteria that we learned in the series to determine what you should give. Q: I am not in severe financial need and have no outstanding debts, other than my credit card, which I pay off every two weeks. I do struggle with some sinful spending habits, but it doesn't ever get out of hand. After the money litmus test I've determined that I am not consumed over money, and don't struggle with greed. However, I do have several saving funds in process and spend a generous amount of money on hobbies. I also tithe regularly, and try to be generous in it, as well as have a sponsor child I support. My main struggle is, is it wrong if I spend more money monthly on a hobby than my tithe? With a hobby and saving towards some financial goals, is that being selfish where I could use this abundance of money towards something else? Is this something I have to just personally sort out with God? A: Yes, you have to sort it out personally with God. It is a wisdom issue. Get some good counsel. And remember that one day you will look into the eyes of Jesus and it might sound a little lame to say “Thank you for the great times flying my plane” (real or remote control). However, remember that God wants you to enjoy what he has provided on this earth. Q: Any advice for a couple that isn’t on the same page with the study? How can a saver handle a spender? A: That issue isn’t financial! You need communication and problem-solving tools. They will work great in every area! The real issue is getting on the same page. If you can talk about it and find a solution that you can both agree to, there is nothing that can break your harmony! Dave Ramsay would say you both are responsible for the budget. The nerd makes it and the free spirit approves it, suggesting they both agree with it. I know you want us to say, “Curb the spender!” But the saver usually needs to lighten up a bit too! Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: How does a believer approach the IWBNIN financial management process when their spouse is a non-believer? A: Other than sorting out giving, pretty much exactly the same way. Seems to me most people that are wealthy, did it this way, and most of them are not saved. And most of them are generous. Q: My heart is troubled and broken for those who have either been a victim of crushing debt and also for those who struggle with the devastating sin of covetousness. We all struggle with the lust of the eyes, the lust of the flesh and the pride of life. And to borrow a phrase from Max Lucado, “Jesus is the cure to this common life.” As we submit to the prompting of the Holy Spirit, we will get victory but often after many failures and disappointments. I have learned the hard way that God does not give you a U Haul and that we cannot hold on to anything or anyone too tightly in this life. I appreciate the series on money, however I wish it were tempered with a little more justice, grace and mercy. Applying the truths of 1 Corinthians 13, Galatians 5 and even more specifically Micah 6:8 in order to be sensitive to the fact that at the end of the day God does not need our money. He does not need us. But for reasons we will never fully comprehend, he loves us and this kind of love fuels our love and compassion for others. Our giving merely becomes an outpouring of love that does not expect to get any reward other than the love of our Saviour. So in thinking how we give: Is giving not under the control and leadership of the Holy Spirit? Should we not be encouraged to give in such a way that is secret, without fanfare. Avoiding the sin of a Pharisee and prideful motives? What about gifts of time talent and other treasures? Should the church find creative ways to give that offer ways to serve Christ other than the offering plate? I believe that Jesus Christ leads us into all truth as we spend time applying the truth of scripture, listening to the still small voice. We can get into a dangerous territory when we judge a fellow worker by our own personal convictions, remembering that while we are all part of the body of Christ, each one of us fulfills a very different function. Thanks for the opportunity to truly consider this issue and put it in somewhat of a proper perspective. Still a work in progress! Shalom. A: Yes it is under the control and leadership of the Holy Spirit. (That should cover all your other comments!) Yes, give in secret but Proverbs 11:25 says, “Whoever brings blessing will be enriched, and one who waters will himself be watered.” Also, 1 Timothy 5:25 says, “So also good works are conspicuous, and even those that are not cannot remain hidden.” For sure we encourage giving more than money. True giving starts with our hearts but if it never reaches your wallet something is wrong! 2 Corinthians 8:5 says, “And this, not as we expected, but they gave themselves first to the Lord and then by the will of God to us.” Q: If it is our responsibility to work and provide for our own households, is it biblical to solely rely on the donations of others to live as a missionary? Or should they both accept donations and work simultaneously? A: Paul is pretty clear on this. 1 Timothy 5:8 says, “For the Scripture says, ‘You shall not muzzle an ox when it treads out the grain,’ and, ‘The laborer deserves his wages.’” 1 Timothy 5:17 says, “Let the elders who rule well be considered worthy of double honor, especially those who labor in preaching and teaching.” In 2 Thessalonians 3 Paul notes he didn’t rely on their giving but not because he didn’t have that right. He says, “For you yourselves know how you ought to imitate us, because we were not idle when we were with you, nor did we eat anyone's bread without paying for it, but with toil and labor we worked night and day, that we might not be a burden to any of you. It was not because we do not have that right, but to give you in ourselves an example to imitate.” Galatians 6:6 says, “Let the one who is taught the word share all good things with the one who teaches.” Download the additional "Measuring Up In My Giving" points mentioned in the message »
James Woosley's journey into coaching was started by his association with several influencers and mentors, including Dave Ramsay. He's now a coach, author and host of the popular podcast "Conquer Your Kryponite", which aims to help entrepreneurs around the globe.
One of the people I planned to meet at FinCon14 was Todd Tresidder. Mission accomplished! Todd has an amazing story. He went from being a high school entrepreneur and mechanic to hedge fund manager. He found himself "retired" at age 35 after selling the hedge fund business he was a partner in. This was in 1998. Todd has remained retired while riding the ups and downs of the market. Including the tech bubble and great recession. Todd is deliberate and intentional with his decisions. He has used statistical analysis models he developed to make market decisions. Todd makes car buying decisions largely based on the numbers. He can afford to by new. He can afford the depreciation. Yet, most often he has bought used. He doesn't like the idea of wasting money. He also doesn't have his ego tied up in his car. I think you should consider being like this millionaire next door! Lastly, congratulations to Frank Manzella (@Frank_Manzella)as the winner of the autographed copy of Smart Money Smart Kids by Dave Ramsay and Rachel Cruze. Links: Financial Mentor: http://financialmentor.com Todd Tresidder's Books: http://amzn.to/1sUK5Ex FinCon14: http://finconexpo.com Plutus Awards Finalists Announced: http://www.plutusawards.com/finalists/ Did you enjoy the show? If you liked this episode, please consider going to iTunes and subscribing. On iTunes once you subscribe, you can leave a rating and review. Taking this action will help this podcast move up and be more easily found in iTunes. Thank you for an honest rating and review. Here is a link to subscribe or rate and review the show: http://cashcarconvert.com/itunes Alternatively, you can let me know your thoughts about the show on Twitter at @CashCarConvert. My Facebook page can be found at http://facebook.com/cashcarconvert Want to shoot me an e-mail, james@cashcarconvert.com. Do you have a comment about this interview or about the podcast itself? Please leave a comment below. I appreciate every listener. Thank you for listening to the Cash Car Convert podcast.
After my road trip to FinCon14. I recorded this episode, interviewing my friend Jared Easley, at FinCon 14 in New Orleans. FinCon14 is a financial bloggers conference. This is my first trip to FinCon. At this conference, bloggers and podcasters get together to socialize and build a community around helping people with their personal finance. All financial points of view are represented. I'm looking forward to making new friends in New Orleans at FinCon14. My interview with Jared focused on his rise from new podcaster, creating Starve the Doubts, to co-founder of the Podcast Movement, the only conference specifically for podcasters. Jared is also a #1 best selling Amazon author in multiple categories with his book Podcasting Good to Great. I also want to thank my friends Steve Stewart and Phillip Taylor for helping feel at home at my first FinCon. Lastly, congratulations to Frank Manzella (@Frank_Manzella)as the winner of the autographed copy of Smart Money Smart Kids by Dave Ramsay and Rachel Cruze. Did you enjoy the show? If you liked this episode, please consider going to iTunes and subscribing. On iTunes once you subscribe, you can leave a rating and review. Taking this action will help this podcast move up and be more easily found in iTunes. Thank you for an honest rating and review. Here is a link to subscribe or rate and review the show: http://cashcarconvert.com/itunes Alternatively, you can let me know your thoughts about the show on Twitter at @CashCarConvert. My Facebook page can be found at http://facebook.com/cashcarconvert Want to shoot me an e-mail, james@cashcarconvert.com. Do you have a comment about this interview or about the podcast itself? Please leave a comment below. I appreciate every listener. Thank you for listening to the Cash Car Convert podcast.
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