Podcast appearances and mentions of Dave Ramsey

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠ Jade Warshaw and George Kamel answer your questions and discuss: "Is it normal to be in debt to your spouse?" "How much can I spend in retirement?" "How can I get my husband to open up about his finances?" "My 52-year-old daughter is making our home a living nightmare. How do we kick her out?" "We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet". Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

I left you hangin' in the last episode as to what the mindset shift is that you must have so that you can be a productive person. It's Discipline. And discipline is my word for this year. "Discipline is the bridge between goals and accomplishment" - Jim Rohn What is the definition? -Some of you may have a negative knee jerk reaction to the word discipline. Ready for me to reframe discipline in you mind? It is… -The act of gaining control with obedience and order (like holding yourself accountable to picking up after yourself.) -Having behavior in accordance with rules (like the Sunday Basket®) -Self Control - you can struggle or you can remove items from your environment that have you have effortless self control can't eat a cookie you didn't buy and bring home.  -An activity you engage in regularly to train or inspire ones self. -A subject taught or field of study (like the study of home management.) -An institution If you are listening to the podcast, odds are that you are learning discipline in the area of home management. But you do not get the results from the work you do not do. You must do the work.  What Does Discipline Look Like?  Setting and achieving goals is changing your own actions and disciplining yourself to being the person who has already achieved what you want to achieve. So I gave the example of me working out. I used to want our whole family to get healthy and work out together. Not gonna happen. So I have decided to do it for myself to achieve the goals I have for myself. And along with working out, I have changed the way I eat. My husband would prefer a meal that "makes sense and 'matches.'" A lady at work introduced us all to ingredient eating. Basically you cook the protein, pull out all kinds of things from the fridge like fruits and veggies to compliment the protein and eat what you like.  This would be my preference! So I workout and eat like the person who has already accomplished my goal and support my family in other areas rather than meal preparation and working out with them.  And the more you do those things, the easier that discipline is. If you ask a productive person how they became that way, they may not be able to tell you. Because they disciplined themselves in one area till it got easier and then moved on to another area.  And know, once you get a system in place, it will change. It will change with your family and phase of life you are in.  Time Blocks = Confidence So you see why you need to be disciplined in the time blocks if you want to be a productive person. Time blocks are just these guard rails to keep you on track and systematize your time and responsibilities. Discipline yourself to do the work and it will become easier. I shared some stats to help you see this is not a "you thing."  This is a field of study, a discipline, to learn how to train ourselves, bring control to, and impose order in our housework and home management. Discipline yourself to process your Sunday Basket® so that you gain confidence in this area. Discipline yourself to start watching the videos to the programs you have purchased. Do you know people who are organized are perceived as more confident? And you know what else? People feel more confident when they are organized! Dave Ramsey said "You can wander into debt but you can't wander out of it." And the same is for disorganization you can wander into but you can't wander out of it…you must discipline yourself. You must have a mindset shift.  EPISODE RESOURCES: The Sunday Basket® The Productive Home Solution Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you relying on “just growing the pile” to fund your retirement?Too many Canadian business owners hope their savings will be “enough” without ever truly running the numbers—or questioning the assumptions behind their plan. In this episode, Jon Orr and Kyle Pearce break down a real case study of a listener preparing to retire at 55. They uncover the common blind spots around equity-heavy portfolios, the behavioral traps that derail even the smartest strategies, and why knowing your number isn't the same as building a system that gets you there. Whether you're 5 or 15 years out from retirement, this deep dive is full of insights to tighten your approach.You'll discover:Why a clear monthly cash flow target is more useful than a vague retirement “pile.”The risks of a 100% equity portfolio during the decumulation phase—and how to mitigate them.How to align your investment strategy with your behavior, so your plan doesn't fall apart when the market does.Press play now to find out where this listener nailed their strategy—and where small shifts could mean a more confident, flexible retirement.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large suReady to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Today on the Jay Garvens Home & Mortgage Show, Jay will be sharing Dave Ramsey’s Budgeting with Baby Steps for 2026.  There are many ways to save and make money; however, there is needed a... The post BUDGETING WITH BABY STEPS IN 2026 – 1-10-26 appeared first on Jay Garvens.

The focus of this episode is on what Dave Ramsey refers to as the only three investments he owns. "I have three investments: my business, paid-for real estate with no mortgages, and mutual funds," says Ramsey.  He goes on to emphasize that he doesn't play single stock, doesn't screw around with gold or Bitcoin, and that he doesn't need your stock tip from your "broke golfing buddy with an opinion." Host David McKnight wonders whether Ramsey's investment model actually works in principle, and if parts of it can be replicated by everyday investors… Ramsey's business functions in two powerful ways: it provides current cash flow so he doesn't have to draw down investments, and it represents a large future liquidity event – this alone dramatically reduces the pressure on the rest of his portfolio. David highlights the fact that Ramsey doesn't pick individual stocks. Instead, he spreads his money across the entire global stock market using mutual funds. Ramsey famously advocates an even split: 25% in growth and income funds, 25% in aggressive growth funds, and 25% in international funds. David's recommendation is to "Invest 70% in a total U.S. stock market index, 30% in a total international stock market index, and 0% in bonds."  By doing that, you'll own the entire market instead of trying to outsmart it. It is possible to adopt a 100% stock portfolio even if you don't own a business or don't have a paid off real estate throwing off residual income – David explains how. You could have a guaranteed lifetime income annuity have the same role played by real estate in Dave Ramsey's approach.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs your financial freedom being hijacked by your emotions?We all like to think we're logical with money—crunching the numbers, weighing the odds, making the “smart” move. But the truth? Most of our financial behavior is driven by emotion, not math. In this episode, Jon Orr and Kyle Pearce unpack the hidden psychological tug-of-war that shapes our habits, investment choices, and long-term wealth strategies. Inspired by Freakonomics Radio and grounded in behavioral finance, they explore why knowing what to do isn't the same as doing it—and what actually makes the difference.You'll discover:A practical framework (elephant vs. rider) for understanding and overcoming self-sabotaging money habits.How to bridge the gap between financial theory and real-life action—even when fear or doubt creeps in.Smart ways to align your investments and financial systems with behavior you can actually sustain.If you've ever struggled to follow through on the “right” financial move to gain financial freedom, press play now—this episode could change how you think (and act) with money.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earReady to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Dave Ramsey has 7 recommendations: Start a $1000 emergency fund Implement a debt snowball strategy Have 3-6 months of expenses worth in savings Invest 15 % of your income Save for your children's college tuition Pay off your house early Build wealth and give Are these 7 steps good to follow? Do they lead to financial success? Here's our opinion. Also in this episode: What is the difference between an Emergency Fund and a Cash Cushion? Expectations and positive thinking.  Link to Dave Ramsey vs Infinite Banking binder: https://pages.mcfieinsurance.com/dave-ramsey-v-infinite-banking/?utm_source=youtube&utm_medium=link&utm_campaign=podcast&utm_content=557

I feel we are in an age of trust. A desire for trust, and a lot of distrust. Right now you are listening to this podcast. Outside of podcasts that are news or entertainment, I see people tuning in to listen to hosts that they look to for…trust. You would not be listening here and now if you did not have a level of trust in me. And I see this as good and bad. As of this recording I am headed to a podcast convention where they are inducting my Dad, Dan Miller, into the Podcast Hall of Fame. He's being inducted by Dave Ramsey and my family and I are receiving it and I'm giving the acceptance speech. I'm incredibly honored. But Dave Ramsey. He's a celebrity who got famous for his guidance on money. Today however he has massive trust from a huge audience who looks to him for guidance on about everything. And I see a cultural who is erroring on over-trust. And I feel it brings up the question of how much we trust ourselves. So in this episode I have Dr. Shadé Zahrai with me. Shadé is a behavioral researcher, peak performance educator, and leadership strategist for major global companies, with a PhD in organizational behavior. She is known for helping organizations and individuals build confidence and overcome self-doubt through practical strategies drawn from psychology and neuroscience. Shadé has a new book that compiles her findings, Big Trust: Rewire Self-Doubt, Find Your Confidence, And Fuel Success. She walks us through a proven framework of Acceptance, Agency, Autonomy, and Adaptability, and helps us reveal and reframe limiting beliefs, quiet imposter thoughts, and reclaim our inner strength. Whether you're second guessing a big decision, overthinking in high-stakes moments, or feeling stuck despite knowing you're capable of more, Shadé has developed practical steps that lead to powerful, lasting results. You can find Shadé at bigtrustbook.com and do a 12 question self-diagnostics on your level of trust and self-doubt. Sign up for your $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to start your free trial. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this follow-up to my popular Taxes 101 episode, we dive into the reality of debt and how to escape it. Drawing from timeless biblical principles (and a nod to practical steps like Dave Ramsey's approach), I'll share why debt can feel like bondage, how to create a payoff plan, and actionable tips for landscaping pros to avoid common traps like equipment financing pitfalls. If you're buried in credit cards, loans, or business debt, this episode gives you hope, scripture-backed motivation, and real steps toward freedom. Let's level up your money game together!

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!This week, we're talking about what it really looks like to budget with intention—and still enjoy your life.

What does God say about money? What does it really mean to be an asset manager for Him? How much is enough? Best-selling financial author and radio host, Dave Ramsey will answer these questions today as he challenges us to use God’s resources God’s way for an eternal impact!Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

These two personal finance advisors are friends, but what they believe couldn't be more opposite.

In this episode of The Open Bedroom Podcast, I talk with show listener Mr. Pollyanna, who shares his journey from an evangelical Christian upbringing and purity culture to embracing emotional vulnerability and polyamory. We discuss the damaging effects of toxic masculinity, religious shame, and emotional abuse, and how these have shaped our relationships and intimacy. Mr. Pollyanna offers insights on breaking free from patriarchal norms, cultivating tenderness, and building healthier, more authentic connections. Our conversation provides practical advice for men seeking emotional growth, highlighting the importance of compassion, listening, and redefining masculinity beyond traditional religious expectations.Guest Introduction & Background (00:01:06)Jen and Mr. Pollyanna share how they met, his Christian upbringing, and his journey to deconstructing faith.Purity Culture and Its Impact (00:02:04)Announcement of the episode's main topic: how purity culture negatively affects men.Mr. Pollyanna's Upbringing & Marriage (00:02:14)He describes his liberal Christian background, marrying into a conservative family, and early relationship challenges.Toxic Family Dynamics & Church Involvement (00:04:37)Explains family abuse, church leadership, and the dysfunction in evangelical communities.Deconstruction & Anonymity (00:06:09)Discusses leaving the church, being anonymous on TikTok, and ongoing family abuse and shame.Purity Culture Guilt & Relationship Roles (00:07:33)Talks about guilt from past relationships, controlling partners, and the “happy dingbat” dynamic.Toxic Faith & Family Control (00:08:40)Describes toxic faith, family control over finances, education, and the struggle to break free.Leaving the Church & Ongoing Shame (00:10:07)Explores the lasting effects of purity culture, ongoing guilt, and the contradiction of forgiveness.Privilege & Abuse in Religious Marriages (00:11:11)Acknowledges male privilege, shares stories of women's abuse, and his involvement in healing communities.Divorce & Breaking Free (00:13:55)Describes the turning point leading to divorce and the relief of leaving guilt and shame behind.Host's Personal Experience with Purity Culture (00:14:40)Jen shares her Catholic upbringing, friends' experiences with virginity, and the shame surrounding sex.Dave Ramsey, Christian Marriages & Sexlessness (00:16:20)Jen discusses Christian influencers, sexless marriages, and questions why men stay in unfulfilling relationships.Why Men Stay in Unhappy Marriages (00:18:38)Mr. Pollyanna explains men's reasons for staying, lack of emotional skills, and societal changes.Generational Masculinity & Emotional Deficits (00:21:23)Explores how past generations shaped men's inability to be loving and emotionally available.Homosocial Behavior & Male Loneliness (00:23:52)Discusses men seeking approval from other men, lack of feminine influence, and self-inflicted loneliness.Religion, Family, and Toxic Masculinity (00:29:17)Examines how religion and toxic masculinity perpetuate control, emotional distance, and family conflict.Nurturing, Intimacy, and Ending Patriarchy (00:30:34)Advocates for nurturing, emotional intimacy, and how this could challenge patriarchy.Post-Divorce Relationships & Deconstruction (00:31:32)Describes dating after divorce, deconstructing faith, and the impact of “the one” narrative.Solo Polyamory & Relationship Dynamics (00:40:16)Discusses life as a solo poly man, benefits of independence, and maintaining multiple relationships.Emotional Intelligence & Being a Better Lover (00:43:19)Talks about emotional IQ, learning from books, and the importance of tenderness in relationships.Advice for Men: Listening & Presence (00:45:18)Offers practical advice for men: listen to women, provide comfort, and be emotionally present.Follow The Open Bedroom podcast:https://www.instagram.com/theopenbedroompodcast/

✅ Are you paying too much for insurance? Find out in five minutes.   It's time to whip your money into shape! In this episode, Dave Ramsey joins me to talk about what you can do differently with your money in 2026.   Next Steps:

In this episode, Paul Jamison reacts to a raw segment from The Ramsey Show where Dave Ramsey and Ken Coleman advise a struggling Dallas, Texas lawn care business owner to shut down and get a full-time job, unpacking the deeper financial and operational reasons behind the tough call while sharing practical insights on what it would actually take to increase profitability and turn the business around if they choose to fight on.

Book a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEThis episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.Chapters:00:00 – Opening segment01:25 – 2025 macro overview: building resilience against all outcomes05:05 – Fed rate divergence: Japan raising while the US cuts06:55 – The yen carry trade explained10:30 – Quantitative easing: how the Fed creates money through primary dealers13:45 – The Cantillon effect and why Wall Street benefits first15:15 – Congress is the root cause, not the Fed17:05 – Why Austrian economists were partially wrong about 2008 QE19:30 – Will this round of QE hit faster?21:45 – The bond market is calling the Fed's bluff25:45 – The case for growth assets in an inflationary environment28:00 – Forward P/E at 23x: what the metric means34:05 – How forward P/E correlates with 10-year returns40:30 – Why you need both growth and guaranteed savings42:00 – The dual paths of wealth: protection and growth45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models53:05 – The slow-motion Black Swan we're living through56:45 – The 1994 email clip: we're there again with AI59:00 – Closing segmentKey Takeaways:Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.Book a call: https://remnantfinance.com/calendar ! The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.

We did it again. That's right, I've got the king of commonsense back in the hot seat: Dave Ramsey.     Next Steps: •

Dave Ramsey breaks down why most people don't actually have goals—they have wishes. In this talk, he explains the five elements of goals that work: being specific, measurable, time-bound, personally owned, and written down. With blunt humor and real-life examples, Dave shows how clarity, math, and discipline turn intention into results.JOIN QOD CLUB. Ready to find your people? Join QOD Club and connect with a community of likeminded QOD listeners. Get weekly Monday Mentorship calls, Wednesday Book Club discussions, ad-free QOD episodes, and access to Money Mind Academy. Plus, online business trainings — marketing, social media, podcasting, and more — coming in January. Start your 30-day trial today for only $9!GET MY TOP 28 BOOK RECOMMENDATIONS: Click here to get your free copy of “28 Books That Will Rewire Your Mindset for Success and Self-Mastery” curated by yours truly!Source: Dave Ramsey's Secret to Goal Setting That Created a $300 Million Business Hosted by Sean CroxtonFollow me on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Dave Ramsey recently called sports betting apps “portals to hell,” and he's right.In this episode, we break down:• Why trading apps have turned investing into legalized gambling• How nonstop ads and zero-commission trades fuel reckless behavior• Why the Wall Street Journal is cheering retail trading without asking the hard question• What actually happened to everyday investors after the GameStop frenzy• Why firms like Citadel and trading platforms always win — no matter what• What decades of data show about frequent traders' real performanceAnd why discipline, time, and effort are the only paths to real wealth.

Jase, Al, Zach, and Willie welcome world-famous financial advisor Dave Ramsey for a blunt conversation about the parenting lie quietly raising generations of entitlement. Dave shares hard-earned wisdom on money, discipline, and why trying to make life “easy” for kids often backfires for American families. They explore how debt, instant gratification, and misplaced ideas of fairness undermine responsibility and character. The guys challenge parents to rethink how to raise kids who are prepared for real life—not needing to be rescued from it. “Unashamed” Episode 1240 is sponsored by: https://homechef.com/unashamed — Get 50% off and free shipping on your first box plus free dessert for life! https://andrewandtodd.com or call 888-888-1172 — These guys are the real deal. Get trusted mortgage guidance and expertise from someone who shares your values! https://rocketmoney.com/unashamed — Join Rocket Money and let them help you reach your financial goals faster.  http://unashamedforhillsdale.com/ — Sign up now for free, and join the Unashamed hosts every Friday for Unashamed Academy Powered by Hillsdale College Check out At Home with Phil Robertson, nearly 800 episodes of Phil's unfiltered wisdom, humor, and biblical truth, available for free for the first time! Get it on Apple, Spotify, Amazon, and anywhere you listen to podcasts! https://podcasts.apple.com/us/podcast/at-home-with-phil-robertson/id1835224621 Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. Chapters: 00:00-12:16 Jase figures out who this Dave Ramsey guy is 12:17-17:47 Willie teaches the art of trash talk 17:48-25:32 How Dave Ramsey became the money guru 25:33-36:07 Sell the car!  36:08-43:41 Raising kids without entitlement 43:42-55:37 Fair doesn't always mean “equal” — Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special episode, Bobby counts down the top BobbyCast episodes of the year! In Part 1, he goes through the top 10-6 episodes. You'll hear stories from Lainey Wilson, Blink-182’s Mark Hoppus, Lionel Ritchie, Dave Ramsey and Brooks and Dunn. Stay tuned for Part 2 that counts down the Top 5! Follow the podcast: @TheBobbyCast Follow Bobby: @mybobbybones TikTok: @TheBobbyCastSee omnystudio.com/listener for privacy information.

As a new year begins and people everywhere are thinking about what they want to build next, we're bringing back one of the most practical and timely conversations from The Professional Noticer vault. In this encore episode, Andy Andrews sits down with bestselling author, financial expert, and nationally syndicated radio host Dave Ramsey to talk about his book, Build a Business You Love—and the principles that matter most when you're starting fresh or recalibrating your direction. Listen as Dave shares timeless wisdom and real-world strategies for launching, growing, or reshaping a business with clarity, service, and integrity at the center. In a fun, down-to-earth conversation, Andy and Dave explore leadership, hiring the right people, building healthy culture, and finding balance without losing sight of your values. If the new year has you thinking differently about your work, your goals, or the legacy you're creating, this conversation offers practical perspective and encouragement to help you build something you can truly love. Grab your copy of Build a Business You Love: https://ter.li/n62212 Connect with Dave on Social Media: Facebook: https://www.facebook.com/daveramsey LinkedIn: https://www.linkedin.com/in/ramsey-dave/ Instagram: https://www.instagram.com/daveramsey/ Twitter (X): https://twitter.com/daveramsey YouTube: https://www.youtube.com/c/TheRamseyShow RamseySolutions.com  

On today's special year-end episode, Natasha Cowden and Warren Smith look at the top 25 stories of the year as voted on by you, the MinistryWatch reader. These are the stories that got the top number of page views for the year. Of course, the number of page views is not the only way to measure the impact of a story. So Warren will be sprinkling in some commentary throughout the episode that we hope will put some of these stories in a larger context. We'll also talk about a few surprises in this year's list. For example, the Robert Morris story did not make this list at all. We did a lot of reporting on Robert Morris this year, but the most read story on Morris came in at #48 on our list. Also, the Dave Ramsey story – our number one story — got more than 200,000 page views, which is by far the most page views an individual story has ever gotten here at MinistryWatch. Speaking of numbers, we have some metrics related to MinistryWatch. Our website got four million page views this year. That is by far the most page views we have seen in our 26-year history. I also wanted to mention that Kim Roberts wrote eleven of the 25 stories on this year's list, and I wanted to commend her for her excellent reporting this year. Christina Darnell, our managing editor, edited every single one of the nearly 900 stories that went on our website this year, and she compiled this year's Top 25 list. The producer for today's program is Jeff McIntosh. To see this complete list, along with links to the original stories, just go to MinistryWatch.com. Until next year, may God bless you.

Ken Coleman, the bestselling author and a key radio personality for Dave Ramsey's Ramsey Solutions, is known for his deep and insightful interviews with hundreds of major personalities including political figures, sports icons and titans of business. In this podcast episode of It's a Good Life, host Brian Buffini turns the tables and asks Ken questions about how he became known as one of the country's top interviewers. Ken shares insights into how to ask questions that don't just skim over a topic but get to the heart of what matters to the interviewee. He details how you can use these strategies in your own life to strengthen your own communications with others. He also describes how to use practical ways with your ears, eyes, face and body to relay honesty and interest to others that allow them to feel seen and heard. YOU WILL LEARN: How to ask questions that will go to the heart of a matter and deliver deeper insights. Why background research is key before you have an important conversation with them. How to use your ears, eyes, face, and body to understand others and show your commitment to them. MENTIONED IN THIS EPISODE Buffini Coaching LiveNOTEWORTHY QUOTES FROM THIS EPISODE “We need to understand that questions are the keys to unlocking any door we need to walk through.” — Ken Coleman “My goal in every interview is to get someone to say, ‘I've never been asked that before' or ‘I've never shared this before.'” — Ken Coleman “Listen with your ears for tone, with your eyes for body language, with your face to mirror engagement, and with your body to show respect.” — Ken Coleman “I'm going to listen with my eyes. And this is probably as important as the ears. I'm watching body language. I'm watching an uncomfortable shift or I'm watching the shoulders drop.” — Ken Coleman “Confidence isn't pre-loaded — it's the consequence of a good conversation.” — Ken Coleman itsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

In this episode, host Travis Chappell and producer Eric react to a fiery Dave Ramsey call-in segment about infinite banking and whole life insurance, breaking down what is actually happening inside these policies versus what TikTok and sales reps promise. The conversation unpacks cash value, dividends, “paid-up additions,” and why “buy term and invest the rest” still makes more sense for most people.​ On this episode we talk about: What infinite banking is supposed to be: overfunded whole life policies you borrow against as your “own bank” Why Dave insists cash value always disappears at death and how dividends really work (buying more insurance, not magically “keeping” cash value) The opportunity cost of putting thousands per year into low-yield whole life vs. a simple mutual fund or index strategy Claims that “banks use whole life” and why that talking point is so misleading for normal people The difference between true fiduciaries and commission-based insurance salespeople Why the mental gymnastics of whole life, points hacking, and complex credit schemes rarely beat straightforward saving and investing Travis' default rule of thumb: buy term life insurance and invest the difference in simple, long-term vehicles Top 3 Takeaways Complex does not equal better. If you need a whiteboard, a 90-minute pitch, and ten buzzwords to explain your insurance “investment,” odds are high it is built to benefit the seller more than you. Cash value is not a magic extra pile of money. In most whole life structures, what looks like “keeping” your cash value is really just using dividends to buy more insurance, with weak returns compared to basic market investing. For most people, simple wins. Term life plus steady, boring investing (index funds, mutual funds, real estate you understand) almost always beats exotic products marketed as secret wealth hacks. Notable Quotes “You're doing all this financial gymnastics to end up with way less than if you'd just put the money in a good mutual fund.” “Buy term and invest the rest is still the best non‑biased advice you will hear from real fiduciaries.” “Just because something sounds like a bank trick on TikTok doesn't mean it beats compound interest in the market." ✖️✖️✖️✖️

Full episodes and much more available on Patreon.com/slopquest Comedian Ryan O’Neill and Illustrator Andrew DeWitt bring you the dumbest takes on news, movies and ridiculous business ideas every week on Slop Quest! This week Andy brings his HEMA long sword into the O’Neill Family Beans Studio. Ryan proposes that Andy will be the next “Star Wars Kid” as he practices long sword drills in the parking lot and on his roof. Then they imagine combining Andy’s sword skills with Ryan’s new judo skills for the perfect one-two combo. O’Neill then refuses to handle Andy’s sword because he’s worried that Andy takes the sword with him to the toilet. Then they do Dave Ramsey giving Elon Musk debt consolidation advice. Then they go on a tear doing Dave Ramsey giving advice to Only Fans models.

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!Check out the full episode: https://greatness.lnk.to/1415"Generous is not an action. Generous is a character quality. And like integrity, it's a character quality that you choose. You're not born with it. You have to say, I am a generous person." - Dave RamseyDave Ramsey calls his 26-year-old self an "arrogant little twerp," and he means it. With 24 years of real estate experience and a college degree backing him, he genuinely believed the rules didn't apply to him. The debt that crushed other people? He was too smart for that. The pride before the fall? That was for regular folks. He would have been the guy trashing himself today, convinced that slow wealth building was for people who just didn't get it. Then his nothing-down real estate empire collapsed, and the guy who thought he was untouchable learned the hardest lesson of his life. What makes this conversation so gripping is watching Dave recognize exactly who he was, that person you feel like you need to shower after being around, the one so focused on me, me, me, me, me that he couldn't see the cliff ahead.But here's what shifted everything. Dave made a decision that generosity wasn't going to be about actions anymore. It was going to be his character, like integrity, something he chose to become rather than something he occasionally did. He started leaving outlandish tips, picking up bills for people in military fatigues, opening doors, tithing 10% to his church. Not because he had to, but because generous people are highly attractive, seldom depressed, and operate from abundance instead of scarcity. When you're drowning in financial stress, you become a navel gazer, turning inward, obsessing over protecting what little you have. Dave's saying the way out isn't to grip tighter. It's to open your hand and choose to be someone different, regardless of what's in your bank account. That decision to shift from selfish to selfless changes how you show up, how people experience you, and ultimately, how wealth flows into your life.Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dave Ramsey lays out why debt is the greatest enemy of financial freedom and how Baby Step Two — the debt snowball — breaks its grip. With humor and blunt truth, he explains how debt steals your income, normalizes broke behavior, and delays generosity, wealth, and peace. Freedom begins when payments end.JOIN QOD CLUB. Ready to find your people? Join QOD Club and connect with a community of likeminded QOD listeners. Get weekly Monday Mentorship calls, Wednesday Book Club discussions, ad-free QOD episodes, and access to Money Mind Academy. Plus, online business trainings — marketing, social media, podcasting, and more — coming in January. Start your 30-day trial today for only $9!GET MY TOP 28 BOOK RECOMMENDATIONS: Click here to get your free copy of “28 Books That Will Rewire Your Mindset for Success and Self-Mastery” curated by yours truly!Source: Financial Peace (

As the holiday cheer permeates our day-to-day, know that that same kind of energy and excitement can be found in your practice year-round! Kiera talks traditions, countdowns, and culture from a dentistry perspective. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and it's Christmas Eve. You guys know that I'm obsessed with holidays. I'm obsessed with this time of year. I'm obsessed with just so many fun things. And I hope you guys are like, yes, listen to the podcast. Sure. But I hope that more than that, you're hanging out with your families. And if you don't celebrate the holidays, I hope you're taking this time to celebrate you and to just be there with you. guys, I just love the holidays. think that Christmas is more than just about   present and like those traditions and all of that. I think it's just like the anticipation of what's coming next. And I think one of the greatest gifts we can give ourselves is like the excitement that we feel leading up to it. My husband and I were on a really fun trip this year, but we had to plan the trip in like two weeks and I actually missed the anticipation leading up to it. So with the holidays, I feel like every single year we get this anticipation, we get this gift, we get this same excitement that   I really do hope that you guys are feeling that same excitement that hopefully you're feeling for Christmas Eve tonight, going into the excitement into your dental offices for 2026. Like just think about it, you guys, we are about to wrap a bow on 2025, roll into 2026. And I think that energy, that excitement, that fun, that zest, this is really what brings the magic of the season. This is why the holidays are so special. It's time for us to sit back. It's time for us to reflect. It's time to get out of our routines. And I really just hope that you guys are giving yourself the greatest gift of anticipation.   but I hope that it's anticipation with a thought out plan. I know there can be anticipation for Christmas when I have not thought about family and it is a frantic scramble. And if you are that office for 2026, I would encourage you to not be that office. There are better ways where I actually like to have our entire year gets wrapped up by December 15th so I can go into the holidays, have a good time. ⁓ I like to have my Christmas gifts all bought usually around.   Halloween. I like to just have it done and out of the way. And I would hope that the anticipation of how great the year is going to be how great the holidays will be how excited you are for people to get this rather than in the frantic scramble because both can be anticipation both can be great gifts. But I hope that you're giving yourself the gift of like true joy and anticipation of the excitement of the year to come rather than the frantic frazzles. So guys, if you don't know me, I'm Kiera Dent. ⁓   founder and CEO of Dental A Team. love all things dentistry. I love helping dentists and their teams find happiness. Life is my passion, dentistry is my platform, and truly to positively impact the world of dentistry in the greatest way possible. Like this is something where I just hope that teams and doctors have excitement for what's ahead and that your team and you feel energized and not exhausted. And if you feel exhausted, that's okay. We've got solutions for you and I'm here to help you with that ⁓ because   I really do believe that you and your team can crush it. And as we're on Christmas Eve, you guys, my family is so fun. Jason said when he joined our family that Christmas and the holidays were just a good time. Like it has always been so magical. ⁓ Christmas Eve, we're going to be hanging out with family. And it's been fun because we shifted it up. I was selfish. And for the first several years of our marriage, I was with my siblings because my little sister is 15 years younger than me. And so   I really want to be a part of my siblings' lives. I wanted to be there and be close to them. And Jason was so accommodating. He was the youngest of his family. And so all of his siblings were grown, that we went to my family for so many years. So Christmas Eve with his family is very different. And the anticipation and the excitement, I was a little disappointed last year when we were with his family versus my family, but it was so fun. And we were able to make new traditions and...   we were able to create fun things and his dad, I made his parents who are much older, they Jason has a complete accident, ⁓ do family Christmas pajamas and matching with us and to be able to create new memories and new holidays. And I really do think that the energy and excitement and the love that we feel at this time of year can be something that you can also do with your own practices. So ⁓ I think that like,   getting anticipation with clear goals is going to be super, super beneficial for you guys. just like when we were kids and counting down the Christmas, teams also can get excited with this countdown to goals and to what's coming up and what the vision for 2026 is. And so I just really would encourage you right now, if you haven't done it or it's in the process, create goals and topics and conversations that your team can get super jazzed and excited about. Having a vision, having a fun year.   Every year I theme my year and you guys it's not too late. Like we're only on December 24th. You still have like a week before this year is over. So take the time, give yourself a theme, something to look forward to, something that you and your team can anticipate with excitement and counting down ⁓ of clear annual goals, clear quarterly goals, and then like celebrate those milestones as they come up. Like when we hit them, what are we doing to celebrate?   and have countdowns and visual trackers just like we have advent calendars. In my family, my mom was awesome. There were seven kids in my family and each of us had an advent calendar where we'd count down the days to Christmas. And I think, why don't we bring that fun, that zest, that excitement into our teams? Why are we sitting here like, hey, we hit production. No, like let's add the spice, let's add the fun. I think teams get really excited. People are like, what is different about Dental A Team over other consulting companies? And I'm like, what's different is we bring fun and excitement and get results.   That's what's different. Like why not make your practice a little more fun? So I think that you guys could build like a gold tree in December where every like scheduled case you get is an ornament and it can be super, super fun. Like you guys don't want to bear Christmas tree. So maybe consider that. Maybe we have something that kicks off in January where we have snowflakes and or we donate and we give back. Like we talked about at Thanksgiving time. Could you create visual countdowns for Thanksgiving where it's like   for all the number of cases we do, we're gonna donate to a family in need. I don't know. There's so many ways you can do it. And I don't think doctors, is for you. This is why it's a Dental A Team and dentist and team podcast. Team members, like let's get your ideas. Let's get you on the podcast. Listen to this episode, share this with your team. But like, how can we build visual countdowns and have a fun time? Because again, the anticipation with clear goals is what's gonna help you guys this season. So number two, I think something that you guys can do is like,   just like on Christmas Eve, like build traditions that fuel culture. I was talking to an office and they were dressing up as wicked. And I said, my gosh, are you guys gonna go to the wicked opening? And they hadn't thought about that, like wicked part two. And like, that's the fun stuff that fuels culture. So like, what can we do just like at the holidays? Like we all get excited for the charcuterie boards or for the matching pajamas or for stockings or in my family, we did baby stockings on the tree in addition to regular stockings.   We had countdown chains, had advent calendars. The holidays are so special because of the traditions. And so what traditions can you guys put into place in your practice? So could we have our tradition at like end of quarters when we crush it, we do X, Y, Z that people can look forward to it. We can get excited for it, that our goals are leading us to these like fun ideas. Could we do annual CE trips or retreats that everybody looks forward to? Our company cut them and then they got sad about it. And then we like, I get it.   There can be pieces, but like this is culture. Our team all gets excited for fun Friday on morning huddle. We all get excited for ⁓ Wednesday is core value shout out days. Like all these little things drive and thrive with culture. And so what can you guys do that can make it fun? Can we have a shout out jar that everybody gets gifts? Can we do like, I don't know, once a quarter, we do a, our favorite things, gift swap. So many little things that are going to just building traditions that are going to fuel your culture because   We have the countdown of anticipation of goals, but goals are not met with crummy cultures. A lot of times when I look at offices, I'm like, how is the culture? How was the leader? Those things are going to impact you far more than anything else. And so what is the tradition of culture that you guys can do? And I have a practice and they started celebrating their team. So every single month they had shout out jars and we shifted a whole culture who used to be like mean girls status. They were actually just women. There were men too, but like the movie mean girls.   to being this team of loyalty, of camaraderie, my team was even that way. I remember saying like, I felt like I used to be on Johnny Depp's ship. I was in the middle of the ocean, my boat was burning. My team was not a great culture. And when you start to do these little culture burns, so for us it's Friday five, it's the shout outs every single Wednesday, it's annual retreats, it's two events in person, it's our holiday party, everybody gets excited for it. Live to give is a part of our company.   First Friday of the month in our team is half day Fridays. Those of you who work on Fridays, you know that's a big deal. Those of you who don't work Fridays, pretend it's a half day Thursday. But just things that your team can really just get excited about. And so I'd say like, pick maybe one team tradition that you can start in January and carry all year long. And this does not mean doctors, have to do it. Luckily in every quarter, there are three months and there are usually three departments in a practice. We've got our front office team. We've got our dental assistants and our hygienists. If we wanna do...   front office, clinical team, dental assistants and hygienists and doctors. You can do that too, but you can rotate. So that way there's traditions, there's things that we look forward to. There's an office who does Dip Tuesday and they bring all sorts of dips, ⁓ vegetable dip, chip dip, you name it. And they just have a ton of fun. And I think that's what makes work not feel like work. That's what makes us, ⁓ holidays to me are the sprinkles on a cupcake. The cupcakes nice, but when I get sprinkles added, it's more fun.   And so traditions and anticipation and countdown, just like the holidays, that's what's more fun. Those are the sprinkles. Those are the sparkles. Those are the excitement. ⁓ And then I think step three on this of like, how can we build this anticipation within our practices is for you to truly like giving a gift of growth. And that is oftentimes like we talked about the anticipation, the excitement. And so growth is going to be what helps your team thrive.   I remember Tony Robbins, you guys know I love Tony. He said that progress equals happiness. And so in your team, what is the progress for each team member? What are the things that they can grow towards? How are we growing as a team? So are we doing new systems? Are we doing new processes? Are we going to expand the roles? Are we going to have consulting or CE that's gonna open doors and help us see things differently? My team was so excited. Like they weren't thrilled when I hired ⁓ a consultant.   But I will tell you, it's been one of the greatest things that we have ever done for our team. Like, of course, they're excited, they're consultants, but they also thought they knew everything. They knew what we needed to do. ⁓ to have somebody come in with new perspectives, new ideas, how are you gonna be able to help grow your team? And I would also say, in addition to this, not just growing them professionally, but personally. So every year I do meet with my team, I wanna find out what are their personal goals, what are their professional goals, and how can I look for little ways   to help them achieve those goals. So when I know someone wants to pay off student debt, or I know somebody wants to buy a house, or I know they want to learn about something, Dave Ramsey's got a class. ⁓ This person wants to buy a house. I help connect them with realtors. Like whatever you can do to make dreams and wishes come true for your team. I think as business owners, as leaders, this is honestly one of the greatest gifts that we're able to give our team. And so just recognizing the gift and the responsibility, just to be able to help your team.   to grow them, to elevate them and to help them. So I really do believe that when you invest in your team, you give them growth opportunities, you're able to establish them into these incredible humans, not just employees. This is when we get excited. looking at this, like, you can even talk to your team, like, what's a skill you wanna learn this year? What's your personal goals you wanna learn? And then invest in them. ⁓ Brittany Stone, no BS, Britt has said it to me many times, to me and to our clients.   do you look at your team as an asset or a liability? And I think about that often, and if you see them as an asset, you treat them differently than you do if they're a liability. And so when we look at this and we get excited about it, like there's so much anticipation today of all the days of the year. think Christmas Eve is probably one of the most anticipated days of the whole year. There's such a beautiful space. And so for this, how can we get anticipation, tradition and growth?   and bring this magic into your practice. I think that's a beautiful gift that you guys can give. so really it's like, bonuses are nice, growth is nice, but it's anticipation that I think is a secret sauce of it. Like I said, and there's the anticipation of knowing where we're going, where we're headed and having those direct goals versus the anticipation and the terror. Both are anticipation, but anticipation that's exciting, anticipation that's fun, anticipation that's predictable, anticipation that creates spice and magic for your team.   And I think this is how you build a team of flourishing people. This is how you build a team that wants to flourish. This is how you build a team that's bought in. This is how you build a culture that's raving team member fans. This is how you build a culture that people want to be a part of. And then you start to post about these things. You share, you talk about it. This is what we do. This is who we are. Your team thrives. You thrive. And so today, tonight, as you're dreaming about what you're going to get tomorrow morning, I also hope you dream about what your practice is going to get next year.   ⁓ What are the little fun traditions that you can put into place? What are the different little pieces that you can do for your team? What is the anticipation that we can put in place? I love the ideas of like having countdowns to things like how do get these fun countdowns? How do we build traditions that will be so fun? How do we give the gift of growth to our entire team? How can you truly flourish and grow your team? I think is something that you deserve to have. And so your practice can be as exciting.   as Christmas Eve, Christmas morning. And I'm not here to say that it's every single day, but it doesn't have to be draining. It can be fun. And I think this is how we add spice, energy, and fuel to our businesses and to our lives is by doing the unexpected, by doing the things that bring joy and happiness to all of us. So I hope that you guys take this on. I hope that you know that at Dental A Team, we help you guys build goals and traditions and systems that really do create magic all year long.   that help create aha moments to give support and strength to your teams. So doctors, you don't have to do this alone. You don't have to carry the whole sleigh by yourself. You can actually have other people help you with this and to inspire and to change your team, I think is one of the greatest gifts I gave my team. And if you're thinking about it, I'd encourage you to give that gift to your team as well. So if you guys want that, if you want to feel energized and not burn out next year, if you want to unwrap the gift of growth and excitement for 2026, reach out. Hello@TheDentalATeam.com   I want to help you. want to make sure that you guys are flourishing and thriving and not just surviving. And I hope you guys have the happiest Christmas, the happiest holidays that you think about this, that you get excited to create little traditions. Pass this along. If you're not creative, pass this on to a team member. Have them listen to it. Share this with a colleague. Have it where it's a competition between you and another person. We've got to make things fun in life. And I hope that you guys just know that I'm cheering for you. I'm rooting for you. And I'm here to serve you. I'm here to support with you. And I'm here to grow with you.   because I do believe that you deserve magic and you deserve ease in your practice. You're worth it. You deserve it. So reach out. Hello@TheDentalATeam.com And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

Dave Ramsey talks about the goals that challenged him and built the foundation for what exists today. Get the blueprint for creating unstoppable momentum in your own business.    Next Steps: ·     

In this Ask Me Anything episode, Ryan Michler and Kipp Sorensen tackle the number one issue facing men today: money. From scarcity mindset and debt to retirement planning, investing, and raising financially responsible kids, the conversation blends practical financial wisdom with deeper insights on discipline, self-belief, and values.  Ryan breaks down Dave Ramsey's baby steps, explains Roth vs. traditional IRAs, challenges popular budgeting rules, and shares how to instill abundance thinking in your family. A must-listen for men looking to build wealth without losing perspective. SHOW HIGHLIGHTS 00:00 Financial stress and the current economy 03:46 Physical baseline and discipline 08:59 Scarcity vs. abundance mindset 19:23 Dave Ramsey's seven baby steps 26:01 Roth IRA vs. traditional IRA 34:45 The 50-30-20 budgeting rule 37:29 Building wealth in an underpaid career 45:08 Teaching kids financial discipline 56:18 Iron Council and end-of-year call to action Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready