Podcast appearances and mentions of Dave Ramsey

Dave Ramsey breaks down his no-nonsense system for mastering daily time management — what he calls “A1 Steak Sauce” planning. He explains how to rank your priorities by urgency and importance so you can stop reacting to distractions and start making measurable progress every day. Learn how to focus on what truly matters, eliminate wasted effort, and build the discipline to always go “back to the list.”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: These 45 Minutes Will Give You Hours Back in Your DayHosted 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.

David McKnight focuses on three of the biggest names in personal finance – Dave Ramsey, Suze Orman, and Ken Fisher – and why you should be careful with following their advice. David emphasizes that anyone trying to wring the most efficiency out of their retirement savings should focus on advice that's backed by math… not soundbites. While David Ramsey is the right person for people who are making less than they are spending, the same can't be said for his retirement planning advice. For instance, he claims that 100% of cash value life insurance sucks 100% of the time.  For David, whenever someone gives you advice that claims it should be applied 100% of the time, you should run the other way! Remember: there's no financial strategy that works for everyone all the time. According to an Ernst & Young study, by contributing 30% of your retirement savings to an IUL, you'll dramatically increase your income in retirement over a stock market investing alone.  Citing E&Y, David explains an approach that shields you from the sequence of returns risk and that has a 95% chance of your money lasting as long as you do. David points out that most Americans don't have thousands of dollars lying around in savings accounts just to pay the taxes on a Roth conversion… David sees Dave Ramsey as someone who gives basic advice for people with basic problems and whose advice could potentially be catastrophic if you want to shield your retirement from higher taxes. When it comes to Suze Orman, David looks at her recent advice of keeping 3-5 years worth of living expenses in an emergency fund in retirement. While Orman is trying to safeguard against sequence of returns risk, she seems to be forgetting about inflation eating away at your purchasing power. As David shares his dislike of Orman's advice, he touches upon a resource that can double your sustainable withdrawal rate from 4 to as high as 8%. Ken Fisher, on the other hand, has become the face of the "anti-annuity crusade". The problem with Fisher's approach? He's primarily referring to variable annuities, completely disregarding fixed indexed annuities (which are a totally different animal). David discusses how replacing bonds with fixed annuities "can increase your returns, lower your risks, and give you a better outcome over time." Beware of financial gurus saying "I hate annuities", "100% of life insurance sucks 100% of the time", or "never pay taxes from your IRA"! In his latest book The Guru Gap, David takes a deep dive into the flawed logic of financial gurus, and gives the full story with the math, the context, and the strategies they conveniently leave out in their content and speeches.     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 Suze Orman Ken Fisher Ernst & Young

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3790: Renee Benes reminds us that building a fulfilling life starts with intention, not obligation. Through practical guidance on money management, goal-setting, and self-care, she empowers readers to stop living reactively and start crafting a life that truly feels like their own. Her message is equal parts wake-up call and roadmap for transforming dreams into daily reality. Quotes to ponder: "Create a life you want to live, not a life you have to live." "Whatever you do, don't make your life harder in order to get to a dream quicker. It never, ever pans out." "Don't spend 65 years working so hard for a dream that you are burnt out by the time you get there and are no longer able to enjoy it." Episode references: The Total Money Makeover by Dave Ramsey: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices

The Hidden Lightness with Jimmy Hinton – If Americans redirected just 20% of what we spend on Halloween and another 20% of what we spend on pets, we could feed every hungry child in the nation—and “put the government out of business.” It's a wild statement, but one rooted in an important truth about where our money goes and what it could accomplish if aligned with purpose...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3790: Renee Benes reminds us that building a fulfilling life starts with intention, not obligation. Through practical guidance on money management, goal-setting, and self-care, she empowers readers to stop living reactively and start crafting a life that truly feels like their own. Her message is equal parts wake-up call and roadmap for transforming dreams into daily reality. Quotes to ponder: "Create a life you want to live, not a life you have to live." "Whatever you do, don't make your life harder in order to get to a dream quicker. It never, ever pans out." "Don't spend 65 years working so hard for a dream that you are burnt out by the time you get there and are no longer able to enjoy it." Episode references: The Total Money Makeover by Dave Ramsey: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3790: Renee Benes reminds us that building a fulfilling life starts with intention, not obligation. Through practical guidance on money management, goal-setting, and self-care, she empowers readers to stop living reactively and start crafting a life that truly feels like their own. Her message is equal parts wake-up call and roadmap for transforming dreams into daily reality. Quotes to ponder: "Create a life you want to live, not a life you have to live." "Whatever you do, don't make your life harder in order to get to a dream quicker. It never, ever pans out." "Don't spend 65 years working so hard for a dream that you are burnt out by the time you get there and are no longer able to enjoy it." Episode references: The Total Money Makeover by Dave Ramsey: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you playing it too safe with your money? Some experts say debt is dangerous, others call it the secret to wealth. In this episode, we cut through the noise and reveal the real difference between debt and leverage. You'll learn when borrowing can fuel growth, when it's financial suicide, and how the 2025 tax law changes could actually reward you for using debt the right way. We'll break down smart strategies for business finance, from new tax tips to practical savings strategies most CPAs won't share. Whether you're expanding your business, investing in equipment, or planning for tax reduction, you'll walk away with clear steps to maximize income and minimize taxes. Don't let outdated advice keep you stuck—this episode will change the way you think about money.

Is claiming Social Security at 62 a smart move or a costly mistake? Ryan Herbert & Katherine Groce dive into the heated debate sparked by financial guru Dave Ramsey and his advice to take Social Security early, even while working. They break down the real math behind penalties, taxes, and investment returns. Discover why timing matters, how life expectancy and income shape your decision, and what pitfalls to avoid. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

In the latest episode of Parents & Professors Podcast, Dr. Marjorie Dorime-Williams and Dr. Michael Steven Williams dive deep into one of the most sensitive yet essential topics in co-parenting: finances.

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Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

In this episode of the GrowLeader Podcast, Pastor Chris Hodges sits down with financial expert and best-selling author Dave Ramsey for a powerful conversation on money, leadership, and building lasting momentum. Dave unpacks his Momentum Theorem—focused intensity over time, multiplied by God's blessings—and shares how leaders can overcome fear, stay focused, and develop financial systems that create freedom for both individuals and churches. You'll hear practical insights on budgeting, debt, generosity, and how to help people move from being strapped to being free. Whether you're a pastor, business leader, or simply want to grow in stewardship, this conversation will challenge and equip you with timeless principles to build unstoppable momentum in your life and ministry.   Episode Resources: Ramsey Solutions: https://www.ramseysolutions.com/ EntreLeadership:https://www.ramseysolutions.com/business/entreleadership?srsltid=AfmBOooe1neJpptuijruZ6tSK0G-IkaYA13-OwHHQedMaKWMRVZeR213 Building a Business You Love: https://store.ramseysolutions.com/business-and-career/books/build-a-business-you-love-by-dave-ramsey/ Financial Peace University: https://www.ramseysolutions.com/money/financial-peace The Total Money Makeover: ​​https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/   All Things GrowLeader: Learn More about GrowLeader Conference 2026: https://www.growleader.com/conference Join Monthly Mentoring with Pastor Chris: https://www.growleader.com/monthlymentoring Access FREE church resources: https://www.churchofthehighlands.com/resources Develop a Kingdom Builders or Legacy Team: https://www.growleader.com/kbvirtualintensive Watch more episodes: https://www.youtube.com/channel/UCyCNQpi3YxaOeQAIdSpbeVw   Follow along on Socials:    Instagram: https://www.instagram.com/growleader/ Facebook: https://www.facebook.com/growleader

Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

On episode 194 of Ask The Compound, Ben Carlson and Duncan Hill discuss outperformance, dying with zero, beating the market, Dave Ramsey's investment strategy, saving for college and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com!  This episode is sponsored by Public. Fund your account in five minutes or less by visiting http://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In today's "Motivational Minute", leadership expert Jamy Bechler shares a quote from financial expert Dave Ramsey on using your failures to experience success. The "Motivational Minute" is part of the Success is a Choice podcast network. It's a quick thought designed to help you inspire yourself and those around you.  - - - -  Each week, the Success is a Choice podcasting network brings you leadership expert Jamy Bechler and guest experts who provide valuable insights, tips, and guidance on how to maximize your potential, build a stronger culture, develop good leadership, create a healthy vision, optimize results, and inspire those around you. Please follow Jamy on Twitter @CoachBechler for positive insights and tips on leadership, success, culture, and teamwork. - - - -  The Success is a Choice podcast network is made possible by TheLeadershipPlaybook.com. Great teams have great teammates and everyone can be a person of influence. Whether you're a coach, athletic director, or athlete, you can benefit from this program and now you can get 25% off the price when you use the coupon code CHOICE at checkout. Build a stronger culture today with better teammates and more positive leaders.  Check out our weekly webinars for parents, coaches, students, and administrators at FreeLeadershipWorkshop.com. These sessions are free and cover a variety of topics. If you like motivational quotes, excerpts, or thoughts, then you'll want to check out Jamy Bechler's book "The Coach's Bulletin Board" as it has more than 1,000 positive insights to help you (and those around you) get motivated and inspired. Visit JamyBechler.com/BulletinBoardBook. - - - -  Please consider rating the podcast with 5 stars and leaving a quick review on Apple podcasts. Ratings and reviews are the lifeblood of a podcast. This helps tremendously in bringing the podcast to the attention of others. Thanks again for listening and remember that “Success is a choice. What choice will you make today?” - - - -  Jamy Bechler is the author of nine books including "The Captain" and "The Bus Trip", host of the "Success is a Choice Podcast", professional speaker, and trains organizations on creating championship cultures. He previously spent 20 years as a college basketball coach and administrator.  TheLeadershipPlaybook.com is Bechler's online program that helps athletes become better teammates and more positive leaders while strengthening a team's culture. As a certified John Maxwell leadership coach, Bechler has worked with businesses and teams, including the NBA. Follow him on Twitter at @CoachBechler. To connect with him via email or find out about his services, please contact speaking@CoachBechler.com. You can also subscribe to his insights on success and leadership by visiting JamyBechler.com/newsletter.

David McKnight discusses one of the most destructive pieces of retirement advice he has ever heard: that you should never do a Roth conversion in retirement or within five years of retiring. Dave Ramsey believes you should forego doing a Roth conversion if you're within five years of retirement or are already retired – because of the so-called Five-Year Rule. The problem with this approach, according to David, is that Ramsey is misinterpreting what that rule actually means, in addition to confusing multiple rules and applying them to the wrong people. Ramsey's advice, continues David, encourages retirees to make choices that could cost them a fortune and taxes over time. The bigger issue, however, is the fact that Ramsey is focusing on the wrong thing – what he should really focus on is where tax rates are headed in the future. The current historically low tax rates won't last, as the U.S. national debt is on track to hit $63 trillion by 2035. If that were to happen, the U.S. Congress won't have the luxury of keeping tax rates low anymore. According to former Comptroller General David Walker, tax rates will likely need to double just to keep the Government solvent. A recent Penn Wharton study found that if the U.S. doesn't get its house in order by 2040, no combination of raising taxes or reducing spending will arrest the financial collapse of the nation. David warns that if you're still contributing to or sitting on a big tax-deferred nest egg like a 401(k) or IRA, you're setting yourself up to pay massive taxes in the future. Remember: 2035 is your Roth conversion deadline. David goes through his suggested strategies to avoid paying higher tax rates and potential penalties in the future. Something good to keep in mind is that if you're in the 0% tax bracket and tax rates double, two times zero is still zero… David sees Dave Ramsey as the go-to expert for get-out-of-debt advice, not retirement planning strategy.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track 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 David Walker Penn Wharton

Do you have a budget for your clothes?   Most style advice assumes the problem is overspending: closets overflowing with unworn items, tags still on. But when I polled my LinkedIn network, 86% said they don't buy enough clothes and wear things too long. In networking conversations, easily half the women I talk with budget exactly zero dollars for their own wardrobes.   Here's what generational theory reveals: Each generation absorbed specific messages about when it's "appropriate" to invest in appearance.

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Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

19.10.2025 Dave Ramsey - Miracles Pt 6 by Excite Church

Hi Friend! I want to talk about automating everything you possibly can.  I am so squirrley and always have many projects going on, so in order to stay sane at home and in my online business, I automate almost everything. In our home, we have systems and automations that help things run smoothly.  One of the biggest saving graces is having our money and bills automated.  There are very few things that I have to worry about due dates with.  From our insurance payments to our electric bill, it is all automated and because we live very frugally and with attention, we never have to worry about insufficient funds.  I also have my transfers to our savings bucket and expense accounts all automated.  We have an envelope system like Dave Ramsey has, but it is all electronic with automations in each bucket and that works really well.  I'm pretty sure our bank thought I was crazy when I set it up like I did, but it has been amazing!  There aren't too many surprise expenses when you have a simple automated system to save and spend money!   Next, Laundry routines which have gotten much easier over the years as our teenagers do their own.  I do bedding on Mondays and 1 -2 other loads during the week depending on what we have.  My routine is to start the coffee, toss a load in the wash, grab my coffee and do my Bible study, so it works well.  Dishes we do as we go-for the most part other than when we get a little behind in crazy times like harvest season.     I would not be able to run my business in less than 1-2  hours a day if I didn't have automations.  I have taken several different experts advice and made it into a super simple system~even on instagram!  If you remember when I was so exhausted with instagram last year and could only do a few weeks and get frustrated, it was because I hadn't figured out to simplify and streamline it.  Once I had all my direct messages optimized and the scheduling done, there isn't a whole lot else to do but watch the sales role in and that has been really fun!  It seems so simple and I don't have to worry about going on there all the time, in fact, I rarely scroll or comment on others posts~some people will tell you that you need to do that, but my account is growing at a super fast rate with multiple daily sales, so I disagree that you need to engage unless you have time to or enjoy that.   Content is automated, sales are automated along with automated emails and this keeps your business running even when you are not available.  It has been the most simplest and efficient way I have found to run a business.  I actually don't even need my website or all the extras I was paying for before I simplified it all.     I am super excited that I am working on a project for you if you want to learn how to do this too.  If you want to be a SAHM or retire early, this system can work for you while you are working full time in small amounts of time and I can't wait to help you do the same with less stress and overwhelm.     If this is something you are interested in, please send me an email at monica@claimingsimplicity.com as I am gathering a group of beta testers and I would love for you to be a part of it!!!!!   See you next week!  God Bless! Monica

Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

Don answers six listener questions covering CD ladders vs. bond funds, global diversification for young investors, allocation shifts for early retirees, HSA documentation rules, 529 plan comparisons, and whether Dave Ramsey-style portfolios need bonds. He closes with practical guidance on holding cash for opportunities and a reminder about the value of disciplined, evidence-based investing. 0:10 Friday Q&A intro and how to send in questions 1:51 Are CD ladders a good replacement for bond funds? 3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes 3:41 A father asks how to diversify his daughter's Roth IRA beyond VTI 5:48 Couple planning early retirement—asset allocation and 72(t) options 9:41 Why bonds exist: emotional stability vs. return chasing 11:29 The case for international diversification 11:29 Long-term HSA strategy and what to do without old receipts 14:32 How to recreate expense records and save PDFs going forward 15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab) 17:28 Dave Ramsey investing myths and the real purpose of bonds 20:36 When to start adding bonds—take the Talking Real Money risk quiz 21:00 Where to park six-figure cash for car or property purchases 22:46 Short-term safety vs. yield trade-off Learn more about your ad choices. Visit megaphone.fm/adchoices

When Dave Ramsey told a 20-year-old rancher he made a “huge mistake” buying $100,000 in cattle, we had some thoughts. Spoiler: Dave doesn't understand agriculture, leverage, or infinite banking.

Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

You don't need to be debt-free to buy a home—this episode shows you how to work smarter with your debt, not fear it.In today's housing market, waiting to eliminate all your debt before buying a home might actually hurt your long-term financial stability. In this must-listen episode of the How to Buy a Home podcast, we tackle the misunderstood middle child of the Big Three—debt—and explain why managing it strategically can often lead to faster, more affordable homeownership. David Sidoni breaks down the difference between good, bad, and workable debt, clears up damaging debt myths, and shares real success stories of buyers who used modern tactics to qualify for a home loan despite carrying credit cards, car payments, and even $300,000 in student loans.Whether you've followed traditional advice (like Dave Ramsey's) or are just starting your journey, this episode gives you up-to-date guidance for navigating debt in 2025 and beyond. Learn how to balance budgeting, reduce stress, and take smart steps toward buying—even with debt still on the books.“You don't have to be debt free. You don't even have to be nearly debt free to buy a home. That's a fact.”Highlights:Why the “debt-free before buying” rule is outdatedThe three types of debt: good, bad, and workableHow your monthly debt matters more than your total debtSuccess stories: Buying a home with credit in the toilet, medical debt, or $300K in student loansWhy DTI (Debt-to-Income ratio) matters—and how to work with itTips for using budgeting apps, simulators, and custom plans to balance saving and debt reductionWhat to do with a windfall: Should you save it or pay off debt?The truth about student loans, consolidation, and PMIHow working with the right team unlocks real optionsReferenced Episodes:167 – Christina & Sean: First in Their Family to Buy a Home187 – Dr. Kendall: Psychologist Turned First-Time Buyer186 – John & Richard: Buying With $300K in Student Loans388 – The Playbook VOL. 1 – The Rent Replacement Strategy389 – The Playbook VOL. 2: Your Last Lease Ever394 – The American Dream Is Dead371 – The Best Budgeting Apps for Homebuyers198 – PMI Is a Privilege216 – PMI Is Still a Privilege And Still Not The DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Longevity, Success, Healthy Living, and Nutrition Made Simple Join Our Health Club Community FREE https://www.drasa.com/health-club   Visit Us At Our Health Club Retreats https://www.drasa.com/retreats/ It's Dr. Asa Here... Ask Me Your Question! Text Me: 407-255-7076 Call Me: 888-283-7272 Send me a DM: @DrAsa We are here to help you live your best life. You don't have to live lower than your potential for the rest of your life! Also our Health Club Providers are here to help guide and teach you on how quickly you can reach your health and wellness goals at: https://www.drasa.com/find-a-provider

In this episode: The mindful money method, overcoming a scarcity mindset, using bridge thoughts, envisioning our future selves, living debt-free, and the power generosity on the journey to FI with Liz Carroll, the mindful money coach.On today's episode,I am joined by my friend, Liz Carroll, who shared her journey towards financial independence. Liz was inspired to become financially independent after reading Financial Peace by Dave Ramsey, when she was 30 and working for AT&T. Her plan to become financially independent within 20 years included college educating their children and creating enough passive income.Liz introduced us to the Mindful Money Method, which is all about awareness, clarity, and vision to create a spending plan that aligns with our values and desires. She also talked about overcoming scarcity mindset and the importance of envisioning our future selves. Guest BioLiz Carroll is a mindful financial coach and founder of The Mindful Money Method. She is passionate about empowering women to take control of their finances and achieve financial independence. She has helped countless women realize their financial goals through her Mindful Money Method, which focuses on awareness, clarity, and vision to create a plan that aligns with their values and desires.Resources & Books MentionedFinancial Peace by Dave RamseyConnect with Liz CarrollWebsite: https://www.mindfulmoneymethod.com/LinkedIn: https://www.linkedin.com/in/money-coachInstagram: @mindfulmoneycoachesKey TakeawaysThe Mindful Money Method is all about awareness, clarity, and vision to create a spending plan, a safety net, and aligning our finances with our values and desires.Overcoming scarcity mindset is key to achieving financial independence. Liz recommends completing sentences like "Rich people are..." to uncover hidden beliefs and emotions around money.Envisioning our future selves can help us make better financial decisions in the present.Being debt-free allows us to be more present and make decisions for our future selves.

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Today, we'll hear about: •             A business owner wondering how to distribute the company's shares to his sons •             Dave Ramsey's tips on determining when an employee deserves a raise •       How Wes Henderson worked with his family to create two innovative bourbon brands   Next Steps: ·     

What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop. But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.Chapters:00:00 - Opening segment07:00 - Introduction to non-forfeiture options and PUA  10:00 - Four contractual non-forfeiture options overview  11:20 - Cash value refresher13:00 - Net present value14:40 - Dave Ramsey's misrepresentation   17:50 - Company exposure and why cash value grows over time  18:55 - Option 1: Cash surrender value (closing the policy)  20:30 - Option 2: Extended term insurance explained  25:45 - Option 3: Automatic premium loan (APL)  27:00 - When APL makes sense: income disruption scenarios  32:00 - Base premium vs. total premium: What you actually need to sustain  35:00 - Option 4: Reduced paid-up insurance (RPU)  36:25 - Why you can't RPU before year seven (MEC rules)  42:15 - How using dividends changes projections  44:50 - Option 5: Using dividends to pay premiums (the optimal strategy)  48:05 - Keeping premium door open  52:00 - Protection and savings before speculation  54:10 - Keeping the wall between savings and investments  56:30 - Final thoughtsKey Takeaways:- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies- Not all whole life companies support optimal IBC design—must have PUA riders available- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure- Goal is never to stop paying premium once you understand what it's doing for your family banking system- Your whole life policy should be the asset you understand most completely before signingGot Questions?Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options  FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

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On this episode of the BobbyCast, Bobby sits down with finance expert and CEO of Ramsey Solutions, Dave Ramsey. He shares his story of being $3 million in debt, filing for bankruptcy, and why his marriage was hanging by a thread. Dave shared his rule why he never offers to give listeners money and if he carries cash on him. Dave shares why mostly everything on TikTok is WRONG. He also talked about his coolest friend that is famous, why NFL players and professional athletes continue to go broke, and much more! Check out: RamseySolutions.com Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on YoutubeSee omnystudio.com/listener for privacy information.

You don't need a million dollars to have a millionaire mindset — and in this episode with bestselling author and financial educator Anthony O'Neal, we explore exactly what that means.