Podcast appearances and mentions of Dave Ramsey

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.

[Housing Wire] NRMLA responds to the CFPB's proposed changes to Reg B that would substantially impact the HECM program. [News Break] Here's when Dave Ramsey recommends taking Social Security benefits as early as possible. [JP Morgan Asset Management] JP Morgan's analysis reveals the true impacts credit card debt has on retirement savings and preparedness. Watch our video podcast here!

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.  

In this solo-style episode, Travis and his producer Eric react to a viral Dave Ramsey clip where Dave flexes having a zero credit score while owning a campus worth roughly $500 million—and use it to unpack how “no credit, no debt ever” advice lands for people who aren't billionaires. The conversation explores the tension between hating the credit system, still needing to function inside it, and the practical realities of renting apartments, buying cars, and getting mortgages in the real world.​ On this episode we talk about: Dave Ramsey's “my FICO score is zero” flex, why it's objectively impressive, and why it doesn't translate cleanly to normal earners.​ How the credit system actually works in practice—hard inquiries, utilization, and why Travis once saw his score drop to the high 500s despite never missing a payment.​ The difference between disagreeing with how the game is set up and refusing to play it at all when you still need housing, transportation, or business funding.​ Why obsessing over cutting every $10 expense is usually less productive than figuring out how to earn more so gas prices and coupon clipping stop running your life.​ The line between using credit as a tool (responsibly) and using “points hacking” as an excuse for financial gymnastics that don't move the needle.​ Top 3 Takeaways The credit system is deeply flawed, but pretending it doesn't exist usually hurts regular people far more than it hurts multimillionaires who can just write checks.​ A strong credit profile—on-time payments, low utilization, limited hard inquiries—gives you options: better rates, easier approvals, and real emergency flexibility.​ It's more powerful to focus on making more money and using the system intelligently than to chase the moral high ground of having no credit score at all.​ Notable Quotes “I agree the system is dumb—but also, it's the system that's there.”​ “It's objectively better to have a good credit score than to have no credit score or a bad one.”​ “You're doing more mental gymnastics to brag that you have no credit score than you would be just managing a couple of cards responsibly.”​ ✖️✖️✖️✖️

Betsy Pepine is a Best-Selling author, Founder, CEO, and serial entrepreneur in real estate who is passionate about helping at-risk families with children. She founded a 501( c ) 3 non-profit foundation called Pepine Gives, which helps families who are facing housing insecurity. Betsy also earned an economics degree from Duke University and an MBA from The Wharton School of Business at the University of Pennsylvania, and her work has been endorsed by Shark Tank's Barbara Corcoran as well as media personalities Dave Ramsey and Glenn Beck. Her best-selling book is titled "Breaking Boxes: Dismantling the Metaphorical Boxes that Bind Us," where she encourages readers to transform their mindset and challenge norms to live the life they want and deserve. Betsy shares her fascinating journey as well as valuable tips and insights on how all of us can live our lives to the fullest by breaking boxes, transforming our mindset, and challenging norms. Download this uplifting, positive, and empowering episode to hear her story and discover how to live life on your terms! Connect with Betsy:     https://www.betsypepine.com/ https://www.facebook.com/betsypepine https://www.youtube.com/@BetsyPepine https://www.instagram.com/betsypepine/ https://www.linkedin.com/in/betsypepine/ https://www.tiktok.com/@gainesvillerealtor https://substack.com/@betsypepine Want to be a guest on TheFemiNinjaProject? Send Cheryl Ilov a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1620842117560x116520069523704300  

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: ·     

New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constant—or even increasing—level of spending. ⬇️ Upon entering retirement, households experience a median consumption decline of about 20%. This drop is often viewed as a red flag in traditional financial planning models. However, Blanchett argues that this decline is not necessarily problematic, especially when you look at how financial well-being changes over time. ☎️ Then on our listener question, we hear from a 34-year-old investor who's been all-in on stocks since taking Dave Ramsey's advice early in their career. Now, they're wondering how and when to start easing into a more balanced portfolio with bonds.  We'll talk strategy, psychology, and sprinkle in some data on market highs that might surprise you. Resource: Article by John Manganaro from ThinkAdvisor: Spending Drops in Retirement, but Satisfaction Doesn't: Blanchett Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Maybe you've been told to put your money where your mouth is, but have you ever been told to put your money where your values are? In this What's Brewing episode we take a step away from doing mission to exploring a new way to make mission possible. Blake Smith hosts Karsten Kasmar, founder of Real Hope Advisors, to discuss values-based financial management. Karsten emphasizes that everyone has wealth, not just the financially affluent, and shares his journey from financial instability to helping others align their finances with their values. Karsten encourages listeners to decide who and what they want to be in the world and then find ways, in community, to make it a whole-life reality.  Books mentioned by Karsten: “Total Money Makeover,” by Dave Ramsey “Finance for the People” by Paco de Leon  Have a question for Karsten? Email him at: karsten@realhopeadvisors.com Listen to more episodes in the What's Brewing series. Download the Transcript. Thanks for listening to Faith Unfiltered!Follow us on Facebook and Instagram!Intro and Outro music used with permission: “For Everyone Born,” Community of Christ Sings #285. Music © 2006 Brian Mann, admin. General Board of Global Ministries t/a GBGMusik, 458 Ponce de Leon Avenue, Atlanta, GA 30308. copyright@umcmission.org “The Trees of the Field,” Community of Christ Sings # 645, Music © 1975 Stuart Dauerman, Lillenas Publishing Company (admin. Music Services). All music for this episode was performed by Dr. Jan Kraybill, and produced by Chad Godfrey. NOTE: The series that make up Faith Unfiltered explore the unique spiritual and theological gifts Community of Christ offers for today's world. Although Faith Unfiltered is a Ministry of Community of Christ. The views and opinions expressed in this episode are those speaking and do not necessarily reflect the official policy or position of Community of Christ.

Top 5 Mistakes Wealthy Investors Must Avoid in 2026Start 2026 with the end in mind. If you earn $200k plus or you have a seven figure portfolio, a few avoidable mistakes can cost six or seven figures over a lifetime. In this episode Andrew Nida from Asset Management Group, Inc. breaks down the five mistakes wealthy investors must avoid in 2026 and how to align investments, taxes, and cash flow with the outcomes you actually want.Even high-income earners and retirees often make significant financial errors. This video addresses common mistakes that can cost hundreds of thousands of dollars, emphasizing the importance of effective financial planning. We discuss how coordinating cash flow, taxes, and risk is crucial for sound financial management, especially as tax planning strategies evolve.

Responding to Dave Ramsey's Credit Card Arguments | Hurdy Gurdy Travel Podcast Dave Ramsey says, “No credit cards.” I say, “It depends.” In this episode, Justin Vacula reacts to a recent Dave Ramsey clip and explains how credit cards can be a smart tool for business expenses and travel. We get into the real math behind points and cashback, the psychology of spending, and why one-size-fits-all advice from Dave Ramsey misses the mark. You'll also hear updates on upcoming meetups and events, plus a quick intro to tools that can help you track, optimize, and actually use your rewards. Original video I respond to: https://www.youtube.com/watch?v=q9za0VwqANY&t=6s Timestamps 00:00 Introduction 01:52 Dave Ramsey's credit card advice 02:37 Caller question on business credit cards 03:39 Debate on credit card benefits 05:39 Dave's perspective on points 08:01 Critique of Dave Ramsey's arguments 12:33 Credit card strategies 17:53 The debit card dilemma 18:18 Dave's imaginary scenarios 19:13 Credit card benefits for business owners 24:18 Ice cream analogy 27:42 Psychology of money and credit cards 31:41 Dave's one-size-fits-all advice 32:55 Conclusion and announcements —

In this episode, Dominic Rubino breaks down what Dave Ramsey and Robert Kiyosaki would tell every shop owner, contractor, and builder about going from cashflow headaches to true profit power. Whether you run a cabinet shop, millwork shop, HVAC company, electrical crew, or remodeling business, this is a simple roadmap for taking control of your money — instead of letting money control you. ⭐ What You'll Learn in This Episode • How cashflow is the "breathing" of your company • Why most shops lose money in small daily leaks • Dave Ramsey's approach to discipline and financial control • Robert Kiyosaki's mindset shift from operator → investor • How to make money work for you (not the other way around) • The difference between bookkeepers, accountants, controllers & CFOs • Why mindset affects your balance sheet • How to build long-term wealth as a contract

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

A classic TRM episode that starts with Tom's ill-fated attempt to cross a flooded Snoqualmie River (spoiler: no walking on water) and turns into a timely lesson on market returns, diversification, and why comparing your portfolio to headline numbers is usually a mistake. Don and Tom unpack eye-popping 2025 performance across U.S., international, bonds, and small-cap value, warn against recency bias and overpriced active funds, and take several listener calls on Roth conversions, bad custodians, debt forgiveness taxes, and rollover mechanics. The show wraps with Don's well-earned victory lap for Seasons Readings, now rubbing shoulders with Julie Andrews and Hugh Bonneville in Apple's fiction charts. 0:04 Tom gets stranded by flooding after a questionable river-crossing idea 1:40 Flood damage reality check and sympathy for displaced homeowners 2:22 Market year-end context and “Dave Ramsey average” returns 3:32 Bond funds surprise with strong year-to-date performance 4:05 International and global funds crush expectations 5:46 Why your return may lag headlines: allocation, costs, and recency bias 6:20 Apples-to-apples portfolio comparisons matter 9:26 Active funds underperforming despite a strong market year 10:47 Global diversification pays off big in 2025 12:04 January prerecorded show tease and holiday logistics 13:25 Seasons Readings featured by Apple Podcasts—downloads explode 15:18 Fiction chart brag: sandwiched between Julie Andrews and Hugh Bonneville 16:25 Listener call: John Hancock IRA, forced conversions, and bad advice 19:06 Why liquidating inside an IRA is not a taxable event 20:17 Exposing high-cost, loaded funds and custodian nonsense 23:35 Listener question: Roth conversions, pensions, and IRMAA timing 26:36 Why “top tax bracket forever” is usually a myth 27:31 Listener call: debt settlement and taxable forgiveness income 30:13 When a 1099-C is a good deal anyway 31:56 Flood-era investment scams and terrible ideas 35:55 Clarifying direct rollovers vs. taking possession of funds 38:13 Roth IRAs for young earners—yes, even pizza money Learn more about your ad choices. Visit megaphone.fm/adchoices

SummaryIn this episode of Money Mondays, Benjamin Lee discusses the concept of opportunity cost, emphasizing its importance for both children and adults. He explains how opportunity cost affects financial decisions and offers practical advice on managing money wisely. The conversation covers the significance of pausing before making purchases, the value of accountability partners, and the idea that money is meant to be spent wisely. Benjamin encourages listeners to consider future opportunities when making financial choices.TakeawaysOpportunity cost is a crucial concept in financial decision-making.It's important to teach children about opportunity cost.Adults also need to understand opportunity cost in their spending.Hitting the pause button can help in making better financial choices.Having an accountability partner can provide valuable perspective on spending.Money should be spent wisely, not hoarded.Consider future opportunities before making impulsive purchases.Planning and budgeting can prevent unnecessary debt.Understanding the value of money can lead to better financial habits.Financial literacy is essential for all ages.Chapters00:00 Introduction to Money Monday and Opportunity Cost03:16 Understanding Opportunity Cost in Financial DecisionsBooks, Blogs, and Podcast at https://benjaminlee.blogFor all my episodes visit https://icandopodcast.comBooks mentioned in EpisodeSmart Money Smart Kids by Dave Ramsey and Rachel Cruze

#241: Dr. John Delony is a bestselling author, mental health and wellness expert, and host of The Dr. John Delony Show.John holds two PhDs — one in counselor education and supervision and another in higher education administration.He is the author of the bestselling books Own Your Past, Change Your Future and Redefining Anxiety. His newest book, Building a Non-Anxious Life, released this past fall. John has appeared on Fox News, Fox Business and Today and has been featured in the Real Simple and Fast Company magazines as well as HuffPost. He has also been a guest on shows such as, The Minimalist Podcast, The Jordan B. Peterson Podcast and the Mind Pump Podcast. While speaking he shares stages with people like Dave Ramsey, Malcolm Gladwell, Nick Saban, and Jocko Willink, Jaimie Kern Lima, Jordan Peterson, and more. Before joining Ramsey Solutions, John spent two decades working as a senior leader, researcher, and professor at multiple universities. He also spent years working in crisis and emergency response. John's goal is to help people navigate tough decisions, improve their relationships, and believe they're worth being well. By doing so he teaches people how to reclaim their lives from the madness of the modern world. Follow John on YouTube, Instagram, TikTok, Facebook and Twitter.This is a great show so be sure and takes notes. Amazon Book Link:https://www.amazon.com/Building-Non-Anxious-Life-John-Delony/dp/B0C27Q9GQL/ref=asc_df_B0C27Q9GQL/?tag=hyprod-20&linkCode=df0&hvadid=652398953211&hvpos=&hvnetw=g&hvrand=15310727651871392435&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=1024323&hvtargid=pla-2189495460191&psc=1&mcid=536612f239f03333876f85739167e491 

This week, Angela discuss the real value of a million dollars in retirement and how to approach financial planning in a personalized way. She emphasizes that financial advice should not be cookie-cutter and must consider individual circumstances, risk tolerance, and future goals. Key Takeaways

Dave Ramsey joined Mike to explain how a federal interest rate cut could impact the average American.

This episode sponsored by Shannon Robnett Industries   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ In this game-changing Dropping Bombs episode, second-generation developer Shannon Robnett reveals how ground-up development destroys traditional buy-and-hold syndication.  With $425 million in completed projects and $140 million under management, Shannon breaks down the brutal lessons from losing $5 million in '08, surviving addiction recovery, and rebuilding to consistent 25% investor returns through tax-advantaged multifamily and industrial deals.   Shannon breaks down the secrets separating legitimate operators from hype machines, the refinance strategy returning 60% of capital by year three, and why Dave Ramsey's debt philosophy leaves billions on the table—plus the exact questions to ask before investing a single dollar. If you're ready to escape landlord hell and let your money work while you sleep, this episode is your blueprint.

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Good sleep so complicated. There are endless tips about screens and supplements and gadgets that promise better rest, but most of us aren't thinking about the three biggest levers that actually move the needle. The quality of your sleep is really a reflection of how you lived your day. When you challenge yourself physically, challenge yourself mentally and clear the things that are weighing on you, your body naturally shifts into deeper, more restorative rest.  Sleep improves when your body is tired in the right ways, your mind has worked enough to want a break and your stress is addressed instead of pushed to the side. Today we are breaking sleep down to three simple, powerful habits that human performance experts say will help you get the best sleep of your life by focusing on how you show up during the day.     Human performance experts like Chris Williamson, Alex Hormozi, Gary Brecka and Casey Means all point to the same truth Hack 1: Exhaust yourself physically during the day • When your body is physically spent, you fall asleep faster and sleep deeper. • Being busy is not the same as being physically active. Movement creates real sleep pressure. • Getting steps in, lifting something heavy, walking more, sweating a little and staying on your feet helps your body crave rest at night. • Huberman and Matthew Walker both explain that daily movement increases adenosine, which builds the urge to sleep. • Kelly LeVeque and Casey Means show how balanced blood sugar from movement reduces nighttime cortisol spikes. • Gary Brecka talks about completing the physiological stress cycle so the nervous system knows it's safe to shut down. • Examples: long walks, workouts, organizing or cleaning days, anything that gets your heart rate up or keeps you consistently moving. Hack 2: Exhaust yourself mentally by challenging your brain • Most people feel mentally busy but not mentally challenged, which leaves the brain restless at night. • Learn something, solve something, try something new, figure something out, read, study, dive into a topic. • When you grow mentally and make progress, your brain feels complete and ready for rest. • Chris Williamson says nighttime overthinking often comes from not using the mind in a meaningful way during the day. • Alex Hormozi emphasizes that progress, even small progress, lowers internal friction and mental clutter. • Casey Means explains how real cognitive engagement stabilizes dopamine, which lowers the nighttime seeking behavior that keeps people scrolling instead of sleeping. • Neuroscience research shows that learning increases the brain's need for REM sleep because it needs to file those memories. • Examples: learning new systems, improving a process, starting a new skill, working on something that feels mentally tricky or step heavy. Hack 3: Solve your problems during the day so your mind can rest at night • Nothing disrupts sleep more than unresolved stress or conversations that still need to be had. • The crumbs metaphor works perfectly here. Just like crumbs irritate you all night, unresolved issues do the same mentally. • Have the conversations, apologize, forgive, clear the air, make progress on debt, take one step toward the thing you've been avoiding. • Gary Vee talks often about how anxiety comes from avoiding the very thing we know we need to do. • Dave Ramsey points out that money problems are one of the biggest sleep killers and even a simple plan reduces that load. • Gary Brecka explains how mental stress raises cortisol and keeps your system in high alert, which blocks deep sleep. • Huberman suggests cognitive unloading, writing everything down, to calm the brain before bed. • Matthew Walker reminds us that sleep cannot negotiate with an anxious mind. • Suggestions: write everything down, even if you can't talk to the person yet, get clarity in writing, pick one step toward solving your biggest stressor so you can rest knowing you are in motion. •Inhale the good, exhale the bad. When you really think about these three habits, you realize that great sleep isn't just a nighttime routine. It's the natural reward for how intentionally you live your day. When you move your body, challenge your mind and clear the things that are weighing on you, your system settles in a way that no gadget or supplement can replace. You go to bed feeling complete instead of overwhelmed, tired in the right ways instead of drained in the wrong ones. These three simple practices will change the way you rest and the way you wake up. Better sleep leads to better days, and better days lead to a better life. You truly can create the best sleep of your life by designing the kind of day that makes peaceful rest the obvious, automatic outcome.

We would love to hear your feedback!We tear into the hidden math of gig work, from bonuses that look great on paper to car notes that choke your margins. A spill, a triple batch, a Lyft perk change, and a Waymo near a felony stop all point to the same lesson: treat this like a business or the job will run you.• stocking cleanup gear for fast recovery in the car• using stackable bonuses to lift weak orders• denying low-value trips and avoiding deadhead• why expensive cars for rideshare rarely add up• Lyft rewards changes and what to watch next• Uber Eats scheduling screens in select markets• multi-apping with two phones without verification flags• when to cancel add-ons like mall drops on peak days• Waymo's blind spot near a police stop and human judgment• BabyQuip and laundry apps as micro-business playsGo to patreon.com/theGigEconPodcast to get live Patreon bonuses, pre-ramble, and moreSupport the showEverything Gig Economy Podcast Related: Download the audio podcast Newsletter Octopus is a mobile entertainment tablet for your riders. Earn 100.00 per month for having the tablet in your car! No cost for the driver! Want to earn more and stay safe? Download Maxymo Love the show? You now have the opportunity to support the show with some great rewards by becoming a Patron. Tier #2 we offer free merch, an Extra in-depth podcast per month, and an NSFW pre-show https://www.patreon.com/thegigeconpodcast The Gig Economy Podcast Group. Download Telegram 1st, then click on the link to join. TikTok Subscribe on Youtube

This is not a difficult philosophy, but Dave Ramsey has made a career out of this advice. We talk to Don Tracy, IL Republican candidate for US Senate, and we also talk Weird Al songs.

Dave Ramsey shares the legendary origin of Earl Nightingale's The Strangest Secret and the timeless truth that you become what you think about. Through stories of the four-minute mile, millionaire research, and the power of intentionality, Ramsey challenges the “hope-stealers” and reminds listeners that belief, discipline, and consistent action — not luck or inheritance — create lasting wealth.JOIN QOD CLUB. Ready to stop growing alone? Join QOD Club and connect with people who actually get you. Get weekly Monday Mentorship Calls, Wednesday Book Club discussions, and brand-new business, mindset, and social media trainings coming soon. Start your 30-day trial 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: How to Be Intentional With Your Money | Dave RamseyHosted 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.

In this episode of the Anatomy of Change podcast, Seth Studley reconnects with Luke LeFevre, founder of Holy Work and (former Director at Dave Ramsey), to discuss the transformative power of journaling and personal growth. They explore Luke's journey from feeling emotionally numb to discovering purpose through writing, the importance of being still, and the role of fear and resistance in the process of change. Luke shares insights on how to embrace discomfort, take small actions, and cultivate patience in the journey of self-discovery. The conversation emphasizes the significance of building a supportive community and the gift of vulnerability in healing. Keywords journaling, personal growth, emotional health, transformation, coaching, self-discovery, fear, change, Holy Work, mental health Takeaways Journaling helps unlock emotions and find purpose. The journey to self-discovery often begins with discomfort. Patience is crucial in the process of transformation. Fear is a natural part of making significant changes. Small actions can lead to significant transformations. Being still allows for deeper connection with oneself and God. Free writing can help clarify thoughts and feelings. Overcoming resistance is essential for personal growth. The act of writing can provide clarity and reduce anxiety. Building a supportive community can enhance the journey of change. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bobby helps out Listener Angie who called in asking for career advice as she is job hunting and about to change careers. He gives her the good news and the bad news of the job she is applying for. He might even attempt to help her get the job. A listener needs advice from Amy on how to deal with being overwhelmed as a mom. Why Bobby is fearful of messaging someone on TikTok and the financial lesson he learned recently from Dave Ramsey. Amy updates us on how her son did in his race over the weekend. Bobby shared how it went for him playing the Opry on Friday night. See omnystudio.com/listener for privacy information.