Podcast appearances and mentions of Dave Ramsey

Today, we'll hear about: •             A woman whose niche business doesn't make a profit •             A business owner considering adding commissions to her pay structure •             Dave Ramsey's take on how to properly demote an employee •             A man looking to increase his revenue above $1 million Next Steps: ·     

Oracle: Right now, with zero commitment, try OCI for free at https://oracle.com/iced Helium Mobile: Sign up (even for the FREE plan) & get $10 in Cloud Points with code COFFEE: https://app.heliummobile.com/o6WA/4jq Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Noble Gold: Get your FREE Gold & Silver Guide at https://noblegoldinvestments.com/iced/ Follow Dave Ramsey: On Youtube - https://www.youtube.com/@UCzpwkXk_GlfmWntZ9v4l3Tg On Instagram - https://www.instagram.com/daveramsey/?hl=en Website - https://www.ramseysolutions.com/?srsltid=AfmBOorftYEdsn735w1cPjlWYE5nSSLtDgA-ff_P2ftsp1s9BcBgZou6 Apply for The Index Membership: https://entertheindex.com/ Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:38 - Predictions for Trump economy 00:05:13 - Should average person change financial strategy? 00:12:39 - Investing strategy for 2025 00:13:30 - How to get a good deal 00:15:38 - ROI to look for in investments 00:16:36 - Sponsor - Oracle 00:17:41 - Opportunities in commercial real estate 00:20:35 - Concerns over national debt 00:24:58 - How to fix national debt 00:26:08 - Thoughts on Social Security 00:31:13 - How generosity can help the economy 00:35:42 - People who don't want to work 00:35:59 - Sponsor - Helium Mobile 00:40:13 - Bill Gates and taxes 00:42:42 - Is there any excuse to be poor in America? 00:47:06 - Knowing someone won't follow your advice 00:48:34 - Struggles with mortality 00:53:25 - Biggest opportunities today (revisit) 00:58:39 - What holds people back from success 01:07:12 - Sponsor - Shopify 01:08:40 - Sponsor - Noble Gold 01:09:45 - Problems facing modern men 01:13:56 - What people need to hear to make a change 01:15:50 - Questions to ask your spouse 01:19:37 - If your spouse isn't supportive 01:21:14 - From feeling rich to being rich *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Don and Tom take a reality sledgehammer to investors' wildly inflated expectations for stock market returns. A new survey shows average Americans expect 12.6% after inflation, even as historical real returns rarely crack 9%. They explore how this overconfidence—fueled by recency bias and company loyalty—leads to dangerous behavior like under-saving, over-spending, and poorly diversified portfolios. With real-world client stories, historical decade-by-decade returns, and a deep dive into how long it takes portfolios to recover after major drops, they reinforce the need for long-term discipline and diversified planning. The episode wraps with audience questions on umbrella policies, retirement bond ladders, and smart ETF tax-loss harvesting strategies. 0:04 Don delays the podcast waiting for Tom's arrival (with British accent) 1:30 Survey shock: Investors expect 12.6% real annual returns 2:28 Reality check: Actual global stock returns are closer to 9% 3:45 Dangerous real-world portfolios: 100% S&P 500 near retirement 5:30 One-stock portfolios tied to employers—what could go wrong? 6:50 Under-saving due to false optimism about future returns 7:14 Decade-by-decade historical real returns from 1930–2020s 10:13 The Dave Ramsey fantasy: 8% withdrawals on 12% returns 10:40 Recency bias: Why we forget recent downturns so fast 11:05 50% of years see 10% drops; 1 in 3 see 20% drops 12:47 Emotional investing vs. disciplined long-term planning 13:39 Listener Q: How long to recover from a major market drop? 14:22 Diversification shortens recovery time historically 15:36 Build for the worst case: 50% stock market drop 16:32 Listener Q: Does Ivan need an umbrella policy with $350K net worth? 17:57 Umbrellas are rarely needed—but the industry sure sells them 18:54 Listener Q: Is LifeX 10-year bond ladder a good retirement tool? 20:20 It's mostly return of principal—DIY Treasury ladders are cheaper 22:40 Don't be fooled by nice websites and big yield promises 23:24 Listener Q: Can AVGE replace four-fund ETF portfolio for tax loss harvesting? 24:32 Swap Avantis for DFA funds—nearly identical, wash-sale safe 25:56 Parting shots: Buy a decent mic, don't let emotion control your portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices

In this upbeat workshop, Dave Ramsey reminds couples that if they can agree on their spending, they will be more united in pursuing their goals and dreams together. He reminds parents of the importance of educating their children in the arts of spending, saving, and giving, and offers encouragement to singles as well. Receive a copy of The Total Money Makeover OR Smart Money, Smart Kids for your donation of any amount! Get More Episode Resources If you've listened to any of our podcasts, please give us your feedback.

Learn how to budget smarter, not harder, with proven strategies and the best budgeting apps for first-time buyers in 2025. From his in-depth research, David shares the top five budgeting apps tailored for home purchase planning in 2025, plus two bonus tools for spreadsheet lovers and detail-oriented planners. Along the way, he warns against predatory financial service companies and common app pitfalls that could cost you more in the long run.Quote: "A budget is a tool to afford more of what you love."Highlights:Why budgeting is about empowerment, not deprivation.How zero-based budgeting gives every dollar a job.The 50/30/20 rule as a starting point for intentional saving.Top 5 budgeting apps for first-time buyers in 2025.Why free budgeting apps often fall short.Predatory pitfalls to avoid when choosing financial tools.LINKS TO THE BEST BUDGETING APPS of 2025You Need a Budget - YNABMonarch MoneyQuicken SimplifyNerdwalletCopilotLunch MoneyReferenced Episodes:Episode 306 - Saving To Buy Your Home: Homebuying 101Episode 305 - Debt Management: Homebuying 101Episode 180 - Online Mortgage Calculators Are GARBAGE - Here's WhyEpisode 69 - Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And BeyondEpisode 106 - Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home BuyersConnect 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!

Dave Ramsey has helped millions of people take control of their finances—but does his advice make sense for physicians? In this episode of The Grow Your Wealthy Mindset, I break down where Ramsey's principles work and where they fall short for doctors. With our unique financial journey—years of training, six-figure student loan debt, and sudden income jumps—physicians need a more nuanced approach than blanket debt-aversion.From student loans and investing, to credit cards and retirement planning, I'll explain why following Ramsey's 7 Baby Steps might actually hurt more than help, especially if you're a physician working toward financial freedom.What You'll Learn in This Episode:Why debt isn't always bad—especially when it's funding an income-producing asset like a medical degreeThe ROI of student loans and how to decide if borrowing for education makes senseWhy Ramsey's strict “no credit card” rule isn't practical—or always smart—for physiciansWhy delaying retirement investing for student loan payoff can cost youSocial Security data source:Tamborini, Christopher R., ChangHwan Kim, and Arthur Sakamoto. 2015. Education and Lifetime Earnings in the United States. Demography 52: 1383–1407.  Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

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 deserve a break today” – but should you spend money to get it? Financial expert Dave Ramsey explains how singles - and single parents - can avoid the trap of ‘mood spending'…plus tips on teaching children about money. To support this ministry financially, visit: https://www.oneplace.com/donate/776/29

In this upbeat workshop, Dave Ramsey reminds couples that if they can agree on their spending, they will be more united in pursuing their goals and dreams together. He reminds parents of the importance of educating their children in the arts of spending, saving, and giving, and offers encouragement to singles as well. Receive a copy of The Total Money Makeover OR Smart Money, Smart Kids for your donation of any amount! Get More Episode Resources If you've listened to any of our podcasts, please give us your feedback.

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

Are you a spender or a saver? How about your spouse? Trusted money expert Dave Ramsey explains two typical money personalities, and how to negotiate the inevitable conflicts that crop up. To support this ministry financially, visit: https://www.oneplace.com/donate/776/29

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

Kiera and Tiff discuss chipping away at your goals and problems in small pieces, and how this can stack habits in a way that's not completely overwhelming. This can be applied to your personal life or your practice life! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and it's a special day. Spiffy, Tiffy and I are back together on the podcast. You know Tiff, you love Tiff, you hear her with or without me, but today's a special day. You get both of us, one podcast. Tiff, how you doing today?   The Dental A Team (00:15) No, I'm so good. I just love when we podcast together, first of all, and I love that we really well. We roll with the punches well, and this morning has proven that. And this whole week has been a pivot and roll with the punches, and I'm excited for everyone to hear all of the wonderful words we have to say today.   Kiera Dent (00:25) you   Me too. And it is fun because it's funny when Tiffanie started the company, I feel like we talked to each other all the time. And this morning I was getting ready at 530 a.m. because I was like, sweet, I got a lot of podcasts. We're going to start at 6 a.m. today. It's going to be a great day. And I'm like, you know, I used to call Tiff during this time and we just like chat and talk shop. And now it's like, hey, let's catch up on the podcast. OK, it's like, how's life? How you doing over there? Even though we work together all the time, but.   The Dental A Team (00:58) Yeah   Kiera Dent (01:04) I think that that just shows the growth that we've been able to have. And it's interesting, something I will say is as you grow and evolve, make sure that you still stay connected to your key players. think Tiff and I have to now be very intentional. Like we call each other or we'll FaceTime each other or like I'll just randomly FaceTime Tiff while I'm driving with Jason, just so we stay as friends in a relationship because work I think can sometimes accidentally, we're so busy ships in the night, even though we're in the same company. So Tiff, good time to reconnect on the podcast. Hi.   The Dental A Team (01:17) Thank   Good   Kiera Dent (01:33) It's been a hot minute, great to see you. I think I haven't seen you all   The Dental A Team (01:35) to see you.   Kiera Dent (01:36) week, so it's great to see you.   The Dental A Team (01:37) That is so true,   we haven't, not since our leadership meeting on Monday.   Kiera Dent (01:41) and we had like one client call together, which I'm like, hey, it's real fun to be with you here. I'm like, see you later. ⁓ But no, it's truly so fun. And today, and I wanted to just, I think we're seeing it, it's actually one thing that I will say Tiff and I are doing really well that we haven't done is we actually are coaching mutual clients together. We only have a couple and it's been really fun. think Tiff, I feel like it's like our shake and bake, like stocked into Malo, like Tiff to Kiera, like let's just have a good time on it because it's not often other than events that we get to do this. But I think in,   The Dental A Team (01:44) yeah, straight.   Thank you.   Kiera Dent (02:11) coaching clients more together. I think you and I are starting to see this like really awesome pattern that you brought up of a topic of like this 1%. And I know you're obsessed in it and working out, which thank you because every day I think about you and I'm like, yeah, Kieran, just go move your body 1 % more today, like just 1 % today. And so I think in life, but let's also take it to practices and billing. Tiff kind of riffed us on the topic I did and we're just gonna riff for you guys today. Kieran, Tiff, stocked into Malone. If you don't know the jazz, well, you missed out, but.   The Dental A Team (02:25) Thank you.   Kiera Dent (02:38) Basically we're the glory days. That's what this is. It's a glory. It's a dream team back together doing our shake and bake, rattle and roll, talking all things dentistry. So Tiff, take it away.   The Dental A Team (02:48) Yeah, I actually, I think we all know the 1 % rule and we know the compound effect and we know like, we know arbitrarily that these things and these ideas are something we're supposed to do and that they work. And last year, I found myself in this space where I was like, trying to octopus arms a lot of different things in my life that I wanted improvement on. And I had like three, four or five, whatever it was things that I'm like, okay, I'll do a little bit here, I'll do a little bit here, I'll do a little bit here. And it's kind of like,   I was just talking to Erin the other day about like paying down debt, right? So like you're paying down debt and you're like, okay, I'll put a little extra on this card, a little extra on this card, a little extra on this card. And that little bit of extra actually isn't making any progress because the percentages, right? The interest on it is actually eating it alive. And you just get to the spot where you're like, my God, I'm not making any progress in anything. And I'm spreading myself so thin, I'm exhausted. And I found myself there with debt and, but with these areas of my life that I was like, I just want to   feel 50%, 100 % better in these areas. And I was giving a little bit to all these spaces and Aaron and I had a conversation. I was just like, I'm so exhausted. Something's got to give, something's got to change. And he's like, let's pick one. And so I was thinking, and then we did.   Kiera Dent (04:03) I think about your   plate overfilling. From the day I met you, had this image of like, you know how people say like their plate's really full? Tiff's like, no, my plate's full and I have like food. I don't know why it is, but it's like cauliflower, broccoli, carrots is what I've envisioned for you. Just sitting on the side of her plate. So it's like there, then she's got like her sweet potato and it's like on the place map, but it's off the plate. And I think that that's like a really good visual of who Tiff's been since I've met you and how I think.   All of us live our life. This isn't just a Tiffanie, but like whether it's the octopus arms or the plate over like literally, if it's been like cauliflower broccoli, like I just see like a big like hunk of broccoli on the side of your plate. I don't come with it all.   The Dental A Team (04:35) Yeah.   Yes, and I actually   had somebody in my life, I had a friend years ago, gosh, this was like, I remember the stop sign we were sitting at and I remember being like crying, like, gosh dang it, one more thing and I'm like, I can do it, it's fine, because I'm the person that's like, yeah, I can totally do it, I know I can do it, but what cost is it at is not something I always think of and he looked at me he said,   You are like the person at Thanksgiving, that you're just so excited to have some of everything, that you have your plate and you filled it with everything. So you've got your turkey, your mashed potatoes and gravy, and your roll and your sweet potatoes. And then you sat down and you're like, oh, shoot, I forgot. Like this plate, he's like, it's a mounds of food because it's Thanksgiving, right? Which is fair. We all do that at Thanksgiving. He goes, but then you forgot.   about like the pie and somebody else put other rolls out. And so then you like started shoving it under your plate. And he's like, that's your one, you just took a piece of apple pie when you already had pumpkin pie. And you said yes to this, which means you said no to the pumpkin pie because you can't eat both. And I was like, holy cow, I love Thanksgiving, that works. Like I get it. And so yes, that was me. And so again, I don't know how long ago was that? Seven, eight years later, nine years.   Kiera Dent (05:53) No. Five, six, seven, years later.   The Dental A Team (05:56) Like,   Holly, are you kidding me? It came up again. And then somebody else just said it in different terms. And he said, you know, like, if you could do 1 % better every single day in one area, that's your compound effect. If you do 1 % better in five areas, but you only had 1 % to give, you're trying to give 5%, you're going to go backwards in areas. Like, you can't, it just doesn't work. The math isn't there. He does math. Math is his jam. So he's like, the math doesn't, it's not math-ing.   So if you choose one area that is going to bring the most like happiness and joy out of all the other areas that you could easily give 1 % improvement, it's gonna snowball. And what happened, what I found, right, is that that 1 % in my health and my fitness, which is what I chose to focus on, did snowball. And so all of a sudden the habit stacking that I had going on in my health and fitness snowballed.   into those other areas that I was trying to octopus arms into. So I saw slight improvements in those other areas and I was like, okay, everyone, they're both right. It's fine. Thank you. But I started thinking about it today. It popped up today for me actually really strong. I don't remember this morning why it popped up, but it did. And so then when, know, Kara, you and I got on here and like, my gosh, like this is what practices do. This is what owners, business owners do this constantly.   Right? We go into something and we're like, gosh, I've got to be best at marketing. I've got to make money and have great profitability. I've got to be a great leader and I have to have an awesome team and I've got to train people to be leaders. And then we're octopus arms and like Thanksgiving plates say yes to everything, which in turn makes us say no to something else. And so I thought the most you've got octopus arms, you've got your plate. Like what's the most important thing you've got your, you've got your dinner plate overflowing and you look at it and you're like,   I'm probably not gonna eat all of this, right? I would love to be able to eat all of this and not like get the calories from it and not like feel like I'm gonna throw up. Like I want it all, but if I have to go by what's most important and start there, I'm gonna start with the protein and the vegetables. So when you look at your business, right? The protein and the vegetables are going to help my health. It's going to promote.   my muscle build, it's going to like positively impact the goals that I'm working for. If I start with the pumpkin pie, which is where I want to start because I want room for the pumpkin pie, it's a negative. I want it, right? I want the sugar, but like, I know that I feel like crap after eating the sugar. So if I am a business owner and I'm focusing solely on, I don't know, new patients, I only want new patients, but I haven't focused on making sure my team knows how to collect. I'm over here crying to my consultant that   Kiera Dent (08:21) Me Me too.   The Dental A Team (08:43) I don't have any money in the bank and I can't afford my consultant, but my, even my new patients, I've got 62 new patients who also aren't scheduling treatment. Right? So that's like the pumpkin pie. Whereas the protein is making sure we're making sure we're like focusing on the money. Right. And not to the point that we lose the patient experience. That's not my point. My point is what, how can we be 1 % better in our collections? Like, what are we missing? And I had a   revelation finally with a practice this week and I love her to death and I'm just like, yay, we got there because I'm like something's not happening. Something that should be happening is not happening because your insurance AR is beautiful. But over here, we still have almost $200,000 in AR. ⁓ How is it possible when your insurance AR is showing up as like $44,000? Right. And so like getting there, getting there, getting there. But the 1 % is what's something that we can do today to collect   part of what we're missing, right? What's one phone call, one extra phone call we can make? What's one person coming in the door that has a past due balance that we can collect today? Like how can we take that theory of that 1 % better that is so easy to implement when it comes to health, fitness and nutrition? We get it. Our brains are like, yeah, that makes total sense. Eat the protein before the sugar. I get it. I don't want to, but I can do that. But we have such a hard time implementing that in like   the other structures of our lives because it's just not, it doesn't feel as clean and as clear. And I think, Kiera, it doesn't feel as fun, right? Like eating the pumpkin pie is more fun. Marketing is way more fun than billing. ⁓ Hands down, I don't want to do billing. I want to do marketing.   Kiera Dent (10:18) Yeah. Exactly what I was thinking.   What are you saying? was like, the reason we don't go for the turkey is because turkey is freaking dry and pumpkin pie is sweet and fun, which is why people don't like to look at their numbers because numbers are like protein and it's not as fun. And I'm sitting here like shoveling down this nasty turkey that I know is like super lean, no fat in it. And I'm able to get my protein in. And yet when you talked about a tip of like, I think those business owners, this is where you cut out the noise and the elite business owners are able to cut out the noise, not go over the sexy and go for the things that are actually going to build the foundation.   And when you can figure that out, because like Tiff, you and I, it makes me wild when clients come through and they're like, I can't afford this. And I'm like, what do you mean you can't afford this? You have like 300,000 sitting in AR, like bada bing, bada boom, it's right there. And if we just collect before they leave, ⁓ my gosh, a revelation, you actually get paid for the work you did. And we're not like, hey Tiff, you want to pay me like six months later? Like, no, I did the work, let's get this paid. Why are we living in the 1900s? Like we don't have tabs, get rid of it.   The Dental A Team (11:02) you   Mm-hmm.   Kiera Dent (11:23) but it's something so interesting that you're like, we're right. Like I want to do new patients. Like there's so much more fun and also it's a flex. Like when you go to a conference, like, here's my production, here's my new patient number. And I'm like, cool, here's my profit. Like it's not as fun and it's awkward. And you're like, cause also I don't want to tell people my profit. Cause I don't like, is that good? Is that bad? I don't know. So it's this weird zone of it's not safe to share publicly. It's a weird thing to talk about, but at the end of the day, it's the number one thing you're stressing about all day long. And so I think like you said, Tiff,   The Dental A Team (11:36) Yeah.   Kiera Dent (11:53) When you were talking, also thought like every team member could have their 1 % better. So doctors, if you want octopus arms, amazing. You can actually have it through your team members. Like right now, Tiff actually has her one thing in her department that she's focused on. has her one thing in her department she's focused on. Shelby has her one thing. Like they have other things, but it's like, if we can't get anything, these are the top three things that have to get done. And honestly, we went after profitability and like hiring consultants were like, all right, these are the two things. And it's wild when we focus on it, we laser focused.   The Dental A Team (11:57) Okay.   Kiera Dent (12:23) We cut the pumpkin pie, and it was for us, we didn't cut marketing. We were like, all right, this is going to move the needle forward. It's crazy how much more calm life feels. It's crazy how less stressed you feel. And then you're able to move things forward even faster. So I think it's a, and you said it doesn't have to be hard. Like this morning, I honestly thought about your tips, so kudos. This is probably why we were hanging out. Like I need a 1 % better.   The Dental A Team (12:27) Yeah.   So.   Kiera Dent (12:47) I was getting ready for the podcast and I'm like, it's gonna be all day long I'm podcasting today. I'm probably not gonna work out. And I was like, I thought about you in the back of my head and I was like, I could do five minutes   of stretching right now. That would make me feel way better going on to this podcast. It shows me that I honor my body. That's my 1 % for today. And yet my body already has felt better today. And I was in a better mindset on a, it was eight minutes that I did like yoga, stretching, making sure I took care of my body. Did some like quick like lifts for my shoulder.   It was very simple, it took no time at all. And it's the same thing of like your biller could collect on the patients. Like every patient who comes in, if we just collected those balances, you would feel like you're the richest person in the world. If we just called the high balances, just those people alone, that's probably like 50 % of what you need to collect right there. And that's very easy, but it's not sexy. And I think Tim, like, what is the psychology behind, like it's easy, but it's not fun, so we don't do it. Like eating protein dry turkey is such a great example of this.   The Dental A Team (13:26) Okay.   Kiera Dent (13:44) Because it's like, it's needed, it's necessary, and it's super great for you. But I'd rather do the pumpkin pie. Like, how do you discipline that? Or is it just a trained behavior? Like, I think about my sign in the kitchen of discipline equals freedom. I think about this all the time.   The Dental A Team (13:45) Yeah.   I'm   It's true. I think I want to think you have to get no matter what you have to get to the point that you've hit like rock bottom, right? Like it has to hurt badly enough for people to change something for beings to change something like a dog's not going to change its routine until it hurts badly enough going the same direction. Right. So I think no matter what, it has to hurt badly enough. So you have to get into that spot. But psychology behind it, like there's so much that it gets stacked up behind the   the things that we do every single day. And I know I had a conversation with my sister. If my practice is now, always call her out on stuff. But she said to me, she's yeah, she's my Craig. She said to me one day, this is like two weeks ago. Yeah, she doesn't listen. Craig might. So hello, Craig. We love you. We've talked about you for many years and you are a staple of our company. ⁓ But she said to me,   Kiera Dent (14:35) She's your Craig.   Okay.   Bye.   The Dental A Team (14:51) one, it was so simple. was like, there was this yogurt in the fridge that she had gotten. I'm like, Hey, don't forget you had this yogurt in the fridge. She goes, Oh my gosh, I couldn't remember if that was yours or it was mine. And I was like, heck no, girl, did you know you can get the same yogurt in this brand? And it's like, instead of 120 calories, it's 60 calories. Cause I'm like, I'm watching my freaking calories because I've seen that change, right? I've seen that difference. And she was like, Oh my gosh, whatever. Right. She gets tired of hearing me say it. I'm like, well, stop talking about food with me. Right. But then we get like,   ice cream and I chose actually like I chose this amazing dairy free. so good. I create that right. It's like whipped cream right coconut whipped cream and you freeze it and you put fruit in it. I need a sprinkle delivery system is what I call it. That's my sprinkle delivery system. It's literally frozen whipped cream and I pour sprinkles on top of it right. Well my sister tells me I don't want to have to say no to something if I want something I want to be able to have it.   And so she gets the loaded ice cream, which I don't care. I have no care in the world on what you eat, but that statement, I was like, oh my God, that's the statement. That's the thing that keeps us in the space that we're in because we've convinced ourselves that saying no to the pumpkin pie and yes to the Turkey hurts. That it's like, no, I should be able to do whatever I want. Cause that's the societal thought process that we live in. I should be able, and I'm like, okay.   But saying yes to that has changed something else. So I'm saying no to my fitness, to my health, my fitness, my mental stability, because sugar changes how I think, right? I know this. I know sugar. I know TV. I know social media. I feel different. My thought process is different after these things, right? So if I say, want to have that, I don't want to have to say no, I am saying yes to the sugar.   So I'm saying yes to the distraction in my business while saying no to the thing that's gonna push me forward and make me a better human for myself. Because if I say no to the protein, but yes to the sugar, my brain works differently and that makes me more angry inside than not having the pumpkin pie.   Kiera Dent (17:03) Totally. And as you said that, Tim, thought about like people always like dentists are interesting. And I know you hear this. I hear this. All of our consultants here. People want to know like what sets apart the elite practices, like what makes it. And I'm like, it's literally this discipline. It is what Tiff just talked about where you realize that saying yes to the protein and lifting weights is better for you, better for the company, better for long-term sustainability rather than the shiny or urgent issue that's hitting you right now.   It is so fun to talk about marketing. It is so fun to sit here and dream of all these great ideas. But the reality is if I'm not making money, then why on earth am I doing this? And you can justify it all day long, but well, because we need marketing because this will help us make more money. But I'm like, if there's gaping holes in your bucket right now, have the discipline. And I think that that's where...   The Dental A Team (17:29) Yeah.   Kiera Dent (17:49) I think I've been watching a lot of things and they say like some of the most successful people in the entire world are the ones who wake up early and workout consistently every day, no matter what rain or shine. does not matter. It's not always a guaranteed same amount of workout, but it's the discipline and the habit that they've created that they know when they say like we do what's most important for our body. We do what's most important for our business. Their body's not revolting like, but I want the sugar. It's like, no, when we say go, we go and you're training. This is why I think cold plunging people like that. They like these other things. It's like you're training your body that would you command and when you command your brain.   The Dental A Team (18:12) you.   Kiera Dent (18:19) you are actually going to execute on this. And I think if you could even take it in food or you could take it in small areas, what you're doing in your personal life is actually training who you're going to be as a business owner. so helping you see, and like, is me, mean, Tiff, shoot, I was the cake pop girl. Like the one was last time you saw me eat a cake pop. Like this is not something that we even do anymore because we're like, absolutely not. I know we're going to feel terrible. That's not fueling our body that needs to then be able to be sustaining.   The Dental A Team (18:28) 100%.   Same.   Kiera Dent (18:45) And I think it's like that maturity as well of business ownership and discipline. But I'm like, you don't have to wait through all the years. You can realize today, what's my 1 % in the true problem area of my business. we do in our mastermind, Tiff and I actually put together this survey that we have our clients do every single quarter in our in-person mastermind. And we asked the question, if your business could talk today, what would you say is the number one problem in your business? Whatever that is.   The Dental A Team (18:51) Mm hmm.   Kiera Dent (19:11) go fix that and be 1 % better. And I think Tiff, that's such a good question we ask. We ask about your relationships too, but I'm like, if you looked at that, that's the one area. And if that's truly your biggest pain point, which most offices it is, most people come to us for cashflow. Yes, it's cashflow, it's overhead, it's systems, it's leadership, but I'm like, usually the pain is on cash. I'm I'm freaking broke, but you waited until you were broke, broke, broke before you reached out for help. So if you're like teetering this, reach out now. If you're really there, it's okay, it still help you out.   The Dental A Team (19:31) Yeah.   Kiera Dent (19:41) But I think it's just a matter of like train yourself this discipline, ask yourself that question and then go to work and stay so laser focused. Because I think if you can train yourself to stay laser focused, ⁓ I asked a coach, she's working with billionaires and I said, what's the number one thing that sets apart the really high end achievers versus the others? And she said, it's focus. They have insane ability to focus on the problem that needs to happen and they don't get sucked up in the wash. And I thought that was so powerful and I think everyone can be that way. So those are kind of my wrap up thoughts of the 1%.   The Dental A Team (20:00) enough.   Kiera Dent (20:10) Collect like, and it's not hard. It's like collect one balance more. It's diagnosed one more thing that you'd normally put a watch on. It's we call one balance today that's a high end balance and we just do that versus like, oh, I got to do the whole list. No, you just do one. Cause the small chips will add up to the big thing. And it's the snowball effect. Dave Ramsey talks about with debt. You literally put all of it onto your hardest debt. Now you put all that money there. You snowball that you pay that one off. Then you take that amount, put it on the next one, snowball that make that. And this is the same thing in your business. It's habit stack.   The Dental A Team (20:38) And the hands.   Kiera Dent (20:40) But   I think more than that, it's teaching you to be a CEO rather than to be a flighty employee. Like my two cents.   The Dental A Team (20:47) I totally agree. And I think that 1 % is so perfect because what you just said, it compounds, right? It snowballs. So if you can have your billing department or whomever, your office manager, whoever it is, stop being so distracted by the easy things, right? I always say make your life easy by doing the hard things. Just because it's easy.   Kiera Dent (21:08) rewind that back. She just   said, make your life easy by doing the hard things. Like, I hope you heard that. You make your life easy by doing these hard things. Go off. That was Brill.   The Dental A Team (21:16) Yeah, doesn't   mean, thank you, it doesn't mean there are no hard things. It doesn't mean you don't have to do hard things to have an easy life. Like I live a fairly easy life in my opinion, but holy cow, have I done and do I do really hard things, but I don't shy away from it. And I get asked a lot, like, how did you get through that? Like I have gone through some crazy life traumatic items and people are like, how did you get through that? And like, I don't know, I just did. I just didn't ignore it. And I just...   pushed through and got to the next layer, that next level. And if you do that same thing, it starts to compound. You stack those pieces. So if you make one hard call today, one balance that you're like, shoot, this person's gonna be mad, get it out of the way. Because guess what? They're only going to be more mad if you wait three months and you're like, hey, six months ago.   Kiera Dent (21:58) You   The Dental A Team (22:07) you were here and like you didn't pay or we got your frequency wrong and you owe $500 on a crown that we thought insurance was gonna pay. They're gonna be like, I was six months ago, why are you just now calling me? So do it today and get it out of the way. And guess what? If they're upset, like have a conversation with them, it's fine. So then you flex that muscle, right? Like my boyfriend hates doing legs. Well, he sucks at legs cause he doesn't do it. So it's like, just do it. So it's easier. I hate working out chest.   just do it so that I can be stronger later. So yeah, it sucks making those calls, but it's not that hard. I sat in an office one day, I'm gonna tell this story, because I think it's just funny. I sat in an office one day and I hear, meh, meh, meh, this person won't pay. She says she has no money. She doesn't answer our calls. It's been here for two years. And I was like, girl, give me the phone. And I called and left a voicemail and I said, hey.   Kiera Dent (22:52) I'm   The Dental A Team (23:01) I really need to talk to you because your balance is about to be out of my hands and I do not want it to get to that next step. Please call me back like today. I really, really want to help you take care of this. Guess who called within 10 minutes. They have been calling quote unquote. I don't know if they called or not. I don't know. Right. Forever. They've sent statements. This woman has no money and won't pay. Guess who started making $50 monthly payments to keep that account from going to collections. I don't know where it was going to go. I usually just blame it on the next step.   guess who started paying and the doctor was like, Lord, three more calls, three more. I collected, sitting in that office, I was there to consult them and I collected on four large past due balances for that practice in 30 minutes. It's not hard. We just make it uncomfortable and you just have to get through it.   Kiera Dent (23:49) Mm-hmm.   Tiff, so much brilliant. And I think this is why we love consulting. We're able to help your offices see the frog they need to eat, see which one, because you can be like messy in the noise. And this is why having outside people, Tiff, like Erin and your other friend who point out like, hey, your plate's freaking full. Stop like shoving food underneath it. having octopus arms. Sometimes you need to see where you're overextending and overflowing to be able to make those changes. And so if we can help, like obviously Tiff and I love to do this, reach out, Hello@TheDentalATeam.com. But today go look to see what's my number one.   The Dental A Team (24:10) You   Kiera Dent (24:25) problem. Not the one that I want to work on but the actual problem. How can I get like 1 % better in this? Commit for the next three months and then let us know how that goes. A lot of us need accountability buddies which is where we're really great. It's always better with a buddy. It's better when I know Tiff's working out, I'm working out, we're able to like I got back on the Peloton Tiff because I got you back on the Peloton. Like we're both back on it. But this is where sometimes it's better with a buddy. It's more fun. So reach out if we can help you. Tiff, thanks for being on the podcast. I adore you. I love your analogies and girl I'm proud of you. Your food's not...   The Dental A Team (24:41) Yeah.   course.   Thank you.   Kiera Dent (24:53) 100 %   overflowing anymore. think you've got like on the plate. So kudos. You're making huge progress.   The Dental A Team (24:57) Thank you.   Thank you. And thank you everyone for listening. We truly love and adore each and every one of you.   Kiera Dent (25:04) We do. And as always, thanks for listening. We'll catch you next time on the Dental A Team Podcast.  

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

Let's get in touch! Start the conversation here: http://thefinancialanswer.com   Dave Ramsey's 9-step retirement plan is one of the most well-known personal finance frameworks out there: simple, popular, and built for mass appeal. But is it really the best approach for your retirement? In this episode, Nathan offers his take on where Ramsey gets it right, where the plan falls short, and why personalized advice is critical if you want to retire with confidence. Here's some of what we discuss in this episode:

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

Welcome back to Women and Wealth – in this week's episode, Regina is joined by Janine Mix, business consultant, author and CEO of The Complete Boutique. Janine self-describes as “the opposite of Dave Ramsey for women and money”. This is indicative in her approach to growing income rather than cutting back and going without – hence the name of her book “Buy The Damn Coffee”. Janine shares her mission to financially empower those around her, how she became so involved and passionate about it, as well as unpacking some of these age old tropes around money and the negative feelings it brings. Additionally, she talks about her experiences launching her own business and the challenges she's faced as a professional woman, her book and more!   Episode Highlights:   0:00 - Introduction 0:31 - Episode beginning, intro to Janine 1:16 - Her book and some other work she's doing 9:04 - The negative feelings around money 10:49 - Where can people go to learn more about you 14:28 - Some of the challenges Janine has faced as a professional woman 19:21 - Janine's vision for retirement 24:21 - Action item 25:29 - Episode wrap-up   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH JANINE MIX   Website: https://www.janinemix.com/ LinkedIn: https://www.linkedin.com/in/janinemix/ Book Link: https://www.janinemix.com/book Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.  

Now on Spotify Video! Entrepreneurship isn't just about launching a product; it starts with building the mindset to navigate risk, rejection, and uncertainty. Before you can turn passion into profit, you need clarity, confidence, and a deeper purpose to push through the tough moments. In this first episode of the Passion to Profit series, presented by Intuit, Hala Taha dives into the mental preparation it takes to build a profitable side hustle or startup. You'll hear from successful entrepreneurs like Mel Robbins, Pat Flynn, and Benjamin Hardy on why mindset, grit, and resilience are the keys to starting a business. In this episode, Hala will discuss:  (00:00) Introduction   (01:20) Clarifying Your Purpose as an Entrepreneur   (07:58) Taking Imperfect Action to Start Your Business   (17:19) Using Discomfort and Fear as Fuel for Growth   (22:11) Embracing Setbacks in Entrepreneurship   (25:08) Committing to Your Vision Without a Plan B Intuit, the maker of TurboTax and QuickBooks, is expanding its world-class network of tax and bookkeeping experts. Whether you want a side hustle or a career pivot, Intuit offers the tools to help you grow as an entrepreneur. Their supportive team, mission-driven culture, and Intuit Academy—a free, self-paced training platform—mean you're set up to succeed, even if you're just getting started. Learn more or apply now at intuit.com/expert. Sponsored By: Intuit, The Maker of TurboTax and QuickBooks. Learn more or apply now at intuit.com/expert.  Resources Mentioned: YAP E344 with Dave Ramsey: bit.ly/5StagestoBuildaBusiness  YAP E353 with Krista Williams: bit.ly/FriendshipIsaBusinessSuperpower  YAP E206 with Benjamin Hardy: bit.ly/_Achieve_Your_Goals  YAP E329 with Mel Robbins: bit.ly/The_LetThemTheory  YAP E359 with Pat Flynn: bit.ly/SurprisingProductivityHack  YAP E294 with Dean Graziosi: bit.ly/PassionintoEntrepreneurialSuccess  YAP E111 with Jay Samit: bit.ly/Future_ProofYourself  YAP E298 with Ginni Rometty: bit.ly/Lead_withPurpose  YAP E239 with Tina Wells: bit.ly/TheElevationApproach  YAP E347 with Ryan Holiday: bit.ly/StoicismTransformsLeadership  YAP E274 with Rory Vaden: bit.ly/BuildPersonalBrands  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Intuit. Sponsored content helps support our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Entrepreneurship Podcast, Business Podcast, Passive Income, Online Business, Solopreneur, Founder, Networking

Omar Kharbat is back again.  He made his first appearance on episode 32 to talk about Boots and Ladders, a business going at it hard to change the lead generation practices for service-based businesses. Due to popular demand and because I just wanted to hang out again, he's back to give us some of his business secrets.    Check out Boots & Ladders at https://bootsandladders.com/.    Things mentioned in the show: Dave Ramsey- https://amzn.to/4bMPTIt  Rich Dad Poor Dad- https://amzn.to/4iyf6J9    --- Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out Dr. Dave's Streams of Income at: www.drdavidpowers.com   www.instagram.com/drdavidpowers  www.youtube.com/@streamsofincomebydrdave  --- Join the Streams of Income community at www.facebook.com/groups/streamsofincomedream  --- Check out Passive Income Engines to find your own Streams of Income at www.SelfCoachYourself.com --- Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO --- This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. --- #passiveincome #sidehustle #cryptocurrency #richlife

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

Today, we'll hear about: Dave Ramsey's take on why no business is better than bad business A business owner looking for ways to attract quality talent Why you don't need a business degree to be successful A young man wanting to know how to approach his grandfather about his business ideas Next Steps:

In this episode, we discuss Dave Ramsey, the basics of his financial advice, and the ongoing lawsuit against his company, Ramsey Solutions, for religious discrimination.We also read two pride stories that we didn't get to during JuneSubscribe to Leaving Eden Podcast on YouTube!https://www.youtube.com/channel/UCJ4q94gAnsoW2jME4SvVrrQJoin our discord server! https://discord.gg/aneFkUJuJoin our subreddit! Reddit.com/r/EdenExodusBluesky:@leavingedenpodcast.bsky.social@hellyeahsadie.bsky.social@gavihacohen.bsky.socialInstagram:https://www.instagram.com/leavingedenpodcast/https://www.instagram.com/sadiecarpentermusic/https://www.instagram.com/gavrielhacohen/ Hosted on Acast. See acast.com/privacy for more information.

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  

Recently, Ashley and I have had the privilege of meeting with some young couples and talking to them as they're just coming into marriage or preparing to be married. They often ask us a variety of questions, as you would expect from anyone talking to a couple who's been married for a while. One of the big issues that consistently comes up early in marriage—and continues to show up later—is the issue of money. That's been true in our marriage as well. It makes sense that money and finances are also a very real issue for business owners, especially those who are married and both spouses work in the business. So let's have that discussion. I think it's really helpful, and I want to drill it down to one financial dashboard that can bring clarity. Because that's our ultimate goal—to liberate you from chaos and make time for what matters most. By the way, my name is Scott Beebe. If we haven't met yet, I'm part of the Business On Purpose team. A lot of times we meet people who say, “Hey, I've got a vision for what I want to do.” Great! We help you write that down. We've got a vision story framework that does that well. One of the next steps is to build out your financial dashboard. This involves subdividing your cash accounts and will help you gain a much clearer picture of your actual financial health. Instead of lumping everything into one, two, or three bank accounts, it requires about six or more. Now, I know that sounds hard, but I promise it's not. Once we do that, we can begin to isolate the cash in your business and start tracking different aspects of your finances. By breaking your finances into categories, you can more easily monitor the flow of cash. We like to say “flow of cash” instead of just “cash flow,” because for many, that term brings to mind complex reports. This method also allows you to allocate resources effectively and make informed decisions—because now you can actually see where the cash goes. It's kind of like Dave Ramsey for business. Having that level of monetary organization lets you track progress toward any kind of goals—generosity goals, profit goals, reinvestment goals, and more. You can adjust your strategy as needed. Visioning and financial planning is not a one-time event. (And when I say financial planning, I don't mean what a financial planner does—I mean you allocating cash to plan the future of your business.) It's something we must regularly revisit and refine as the business grows and evolves. So, what can you do first? Start with a simple spreadsheet to track your cash balance every single week. You might ask, “Can we do this in QuickBooks or Xero?” Theoretically, yes. But you usually won't—and it serves as a great discipline to do it manually. That foundational step of a spreadsheet allows you to create a realistic budget for the year ahead. Look at your existing profit and loss statements and chart of accounts. If you don't know where to start, look at last year's P&L. That's a great starting point. Don't worry about being precise with your budget at first. Budgeting is more of an art than a science. Once you've got your vision statement and a basic financial dashboard in place, it's time to build out your organizational structure. So now you've got a vision and a financial dashboard—now build an organizational structure to know who's going to handle the financial “fuel” driving the business forward. Think of this like creating a skeleton for your business, similar to the human body. Instead of focusing on specific individual names, focus on the roles. We say “role first, people agnostic.” This lets you structure your business based on responsibilities instead of personalities. Next, identify and map out each process required to run your business. You've got a vision, a simple dashboard, subdivided bank accounts, and a consistent snapshot of those accounts. Now you can create an org chart to know who's doing what—and then define what they're doing. These processes fall into four core systems: marketing, sales, operations, and admin. List the processes under each of these categories. You don't need detail yet—just broad items like “website,” “social media,” or “outbound calls.” This gives you an overview of your operations. Once that's in place, you can map out your company culture using what we call the “Anchor.” You've got your vision, your cash tracking, your roles, and your processes. But how do you build culture into that? Use the Anchor. Create another spreadsheet. List the weeks of the year across the top and your cultural elements along the left-hand side. These could include team meetings, performance reviews, birthday celebrations, anniversary celebrations, training schedules, and more. Then plot these cultural events across the calendar. Assign one person to manage the Anchor and you'll have a visual representation of your business's RPM culture—Repetition, Predictability, and Meaning. It's about creating a framework. It doesn't have to be perfect from the start. The goal is to have these pieces in place and work them with consistency. As you implement these steps, you'll gain a much clearer picture of your business's structure, finances, and culture. It allows you to make better decisions and build a stronger foundation for growth. So we started with money—realizing that money is just fuel. It's a tool to pursue your vision, build clarity around your structure, understand your processes, and foster your culture using simple, actionable tools. If you don't know where to start, here are five good tools to begin with: Vision Story – Lay out where you're going. Financial Dashboard – Track your cash. Organizational Structure – Clarify roles and responsibilities. Processes – Know what needs to be done. Anchor – Build and maintain your culture. That's the glue that holds everything together. So just like those young couples ask, “Where do we start with money?” I've just walked you through five simple tools to start building intentionality into your business. Why? So you can be liberated from chaos and make time for what matters most. Hey—make sure to go to mybusinessonpurpose.com. You can check us out there. And if you go to mybusinessonpurpose.com/healthy, you can take a five-minute health assessment to understand the strength and sustainability of your business's backend.   Want help building a clear financial dashboard? Visit mybusinessonpurpose.com/ask to connect with a BOP coach. To check the health of your business, visit mybusinessonpurpose.com/healthy today! SIGN UP for our Newsletter HER➡️ https://www.boproadmap.com/newsletter For blogs and updates, visit our site HERE ➡️ https://www.mybusinessonpurpose.com/blog/ LISTEN to the Business On Purpose Podcast HERE ➡️ https://podcasts.apple.com/us/podcast/my-business-on-purpose/id969222210 SUBSCRIBE to our YouTube channel HERE ➡️ https://www.youtube.com/channel/UCbPR8lTHY0ay4c0iqncOztg?sub_confirmation=1

the concept of "good debt" with a focus on real estate investments, challenging Dave Ramsey's traditional debt-avoidance approach. We debate that strategic debt can be a powerful tool for building wealth, using examples of Section 8 housing investments that generate positive cash flow. They demonstrate how purchasing properties with debt can lead to quick return on investment, with one example showing a $20,000 investment potentially returning money in just 2.7 years. The conversation emphasizes the importance of careful financial planning, understanding leverage, and making mathematically sound investment decisions.0:00:00 Opening remarks about summer being over0:01:51 Discussion of summer financial dynamics0:07:24 Introduction of podcast topics0:11:26 Explanation of good debt using real estate example0:20:10 Credit card discussion0:28:25 Rent vs. buy analysis0:36:28 Detailed mortgage calculation breakdownYouTube and Socialshttps://mtr.bio/sorry-were-closed-Pod

Donald Farrey on Eliminating Debt and Budgeting (North Fulton Business Radio, Episode 887) Donald Farrey, a CPA and a Dave Ramsey Preferred Financial Coach, joins North Fulton Business Radio host John Ray to share how he helps high-income individuals and couples get out of debt, stay on top of their money, and stop living paycheck to […] The post Donald Farrey on Eliminating Debt and Budgeting appeared first on Business RadioX ®.

Donald Farrey on Eliminating Debt and Budgeting (North Fulton Business Radio, Episode 887) Donald Farrey, a CPA and a Dave Ramsey Preferred Financial Coach, joins North Fulton Business Radio host John Ray to share how he helps high-income individuals and couples get out of debt, stay on top of their money, and stop living paycheck to […]

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Myths, Mysteries & Misconceptions #24: Whole Life Insurance is Front Loaded with CommissionsMany people would have you believe that whole life insurance is a bad place to put money because of its front loading of commissions. Whole Life Insurance IS front loaded with commissions. So is EVERYTHING else. Think about it. When you buy a meal, you are paying for everything that it took to get the meal to you; all the way back to the start of well…everything. Understand this for yourself and you can take back control, and profit, from the banking function in your life, with Infinite Banking. There's more to this misleading idea than at “face value” (pun intended;)Let's clear this myth up!⚔️ LIVE & LEAVE A LASTING LEGACY ⚔️

Send us a textInstilling Money Management Skills in Children for Early Financial IndependenceIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses the importance of teaching kids about money management. He shares personal insights and practical tips on how to instill financial literacy in children from a young age. Hunter explains his approach to implementing Dave Ramsey-inspired strategies, such as the four-envelope system for spending, saving, investing, and giving. He emphasizes the benefits of instilling a strong work ethic through chores and consistent practice in both academics and sports. Hunter also discusses the significance of open financial conversations within the family, aiming to raise financially independent children who won't rely on their parents as they grow older.00:00 Introduction to Teaching Kids About Money00:21 The Importance of Financial Independence for Kids01:52 Personal Reflections and Dave Ramsey's Influence03:10 Implementing the Envelope System03:24 Teaching Work Ethic Through Chores04:18 Incorporating Financial Lessons into Daily Life05:03 The Value of Consistency and Compounding09:09 Planning for Future Financial Education10:49 Parental Transparency and Financial Conversations13:07 Conclusion and Final ThoughtsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

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

A significant portion of today's episode focuses on financial responsibility and business management. Andy shares insights from his personal journey, the influence of the Dave Ramsey program, and the crucial role of his wife and sister-in-law in managing personal and business finances. The podcast also covers business philosophy, including strategies for bidding on large jobs, the importance of customer relationships, and the value of having a supportive team. Finally, Andy answers listener questions about specific equipment like the Hydrobucket and offers advice on managing business growth. SynkedUP Contractor Summit - Sept 11-12,2025 (code: MULDER to save $250) Connect with Andy: https://www.instagram.com/mulderoutdoors/ Shop Mulder Outdoors: https://mulderoutdoors.com/shop/ Resources to grow your business (Use MULDERLIFEPODCAST to Save 10%) How To Price My Job Amazon Store https://pavetool.com/ (Use MULDEROUTDOORS to save 10%) https://bladesdirect.net/ (Use MULDER20 to Save $20) https://www.permapaveredging.com/ https://bruntworkwear.com/ (Code: MulderOutdoors10 Save $10) https://www.albanesecandy.com/ (Official Candy of the Podcast) Automatic Supply - heritageplus.com (Use code: MULDERLIFEPODCAST to save 15% up to $1,500 - 1 per company). https://unilock.com https://dirtygraphix.com/ https://cmpattachments.com https://engcon.com/en_us.html https://synkedup.com/ https://aanddequipment.com/ https://thehardscapeacademy.com https://ambornstone.com/ - 913-837-6729 Latux Diamond Blades (use code: MULDER and get 20% off)

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

Today, Dave Ramsey delivers a fiery reminder that excellence is the only option in today's competitive world. Learn why the marketplace decides your fate, how service is worship, and how generosity stems from purpose-driven profit. Bring your best — every day, every detail.Source: Dave Ramsey: What You've Been Told About Capitalism Is a LieHosted by Sean CroxtonFollow me on Instagram Check out the NEW Black Excellence Daily podcast. Available on Apple Podcasts, Spotify, Pandora, and Amazon.

Aaron recaps the wins and lessons learned at BuildWitt this week. Questions or feedback? Email us at dirttalk@buildwitt.com! To learn more about attending the 2025 Ariat Dirt World Summit, visit www.dirtworld.com! 

LionTree's Alex Michael chats with journalist Tara Palmeri, who, after reporting for everyone from the New York Post, CNN, Politico, Puck and ABC News, has struck out on her own with her substack, “The Red Letter,” as well as “The Tara Palmeri Show” on YouTube. The pair explores the entrepreneurial landscape for journalists, and how the confluence of media influencers and hard news is shifting the center of power in the news industry.This podcast is for information purposes only. The opinions and views expressed in this material are solely the participant's personal opinions and do not necessarily reflect the opinions of LionTree or its affiliates. This material should not be copied, distributed, published, or reproduced, in whole or in part, or disclosed by any recipient to any other person without the express written consent of LionTree. The information contained in this material does not constitute a recommendation, offer or solicitation from any LionTree entity to the recipient with respect to the purchase or sale of any security, and LionTree is not providing any financial, economic, legal, investment, accounting, or tax advice through this material or to its recipient. Neither LionTree nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this material and any liability therefore (including in respect of direct, indirect, or consequential loss or damage of any kind whatsoever) is expressly disclaimed. LionTree does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this material.Third-party content may be published on LionTree pages in response to this material. Such content is not reviewed by LionTree before it is displayed and LionTree cannot guarantee the accuracy or completeness of such content. The opinions and views expressed by the authors of such third-party content are solely the author's personal opinions and do not necessarily reflect the opinions of LionTree or its affiliates. LionTree reserves the right to remove, alter or edit any third-party content published on LionTree pages. LionTree expressly disclaims any liability (including in respect of direct, indirect, or consequential loss or damage of any kind whatsoever) arising out of, or in connection with, the access or use of any social media platform or LionTree page. Use of a social media platform or LionTree page is at your own risk.Securities of any investment funds managed by LionTree are privately offered to selected investors only by means of each such fund's governing documents and related subscription materials. Listeners and viewers should not assume that companies identified in this audio and/or video are representative of all investments made or recommended by LionTree on behalf of each firm's clients. An investment with LionTree is speculative and involves significant risks including the potential loss of all or a substantial portion of invested capital and the lack of liquidity of an investment. Past performance is not indicative of future results.For further information, please see: https://liontree.com/disclaimer/. If you have questions, please go to https://liontree.com/ and select “Contact.”See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I want to share a story you may have heard before—but it's worth telling again. When I finished surgical training and joined a practice in 2008, we were in the middle of the Great Recession. But for me, the recession didn't mean anything. My net worth was below zero. I'd made less than $50K a year for seven years. I wasn't worried about losing money—I didn't have any. What I did have was a new six-figure salary and a baby on the way. Suddenly, I had to start thinking like a grown-up. I needed to protect my family. I needed life insurance. But I had no idea what that really meant. I started asking around. One of the younger surgeons told me to “buy term and invest the difference.” That's what Dave Ramsey and Suze Orman were preaching on TV too. But an older surgeon—close to retirement—told me something very different. He'd been financially wrecked by the market crash and said permanent life insurance was one of the only things keeping him afloat. Here's the thing: they were both kind of right. The young guy was right that most permanent life insurance is designed in such a way that it is a terrible investment. But the older guy had discovered something the hard way—permanent life insurance can offer unmatched financial stability when everything else is falling apart. Still, neither of them understood what I would come to learn just a few years later from some of my wealthiest friends. You see, permanent life insurance isn't one thing. It's a flexible tool. In the right hands, it can be optimized for estate planning, tax-free growth, or even used as a powerful retirement income strategy—especially for those of us who started making money later in life. That's when I took a deep dive, even getting a life insurance license so I could fully understand the mechanics myself. What I found became the foundation for Wealth Formula Banking, Wealth Accelerator, and now, Wealth Accelerator Plus.  In fact, some of these strategies are so effective that they've already helped people like me “catch up” on retirement income planning—even if we didn't start earning real money until our 30s. On this week's show, I talk with one of my new partners at Wealth Formula Banking, Brandon Preece. We unpack common misconceptions about life insurance, discuss mainstream strategies, and then go further—exploring new protocols that could be game-changers for your financial future. If you haven't learned about this stuff yet, it's time. And if you have, it's time to revisit all of these strategies. These strategies have played a major role in my financial life—and in the lives of many in our Wealth Formula community. And I can honestly say that I don't know of a single person who ever regretted setting up a plan!

Are you really on track to retire a millionaire — or is that just a dream? In this powerful episode, we break down why becoming a millionaire is more achievable than ever, even on a modest income. Inspired by Dave Ramsey's bold challenge to Americans under 40, we dive into the real math behind retiring with over $1 million — or even $11.6 million — by age 65.You'll learn the compound growth strategies that work, even if you're starting small. We'll walk through the difference between investing $100 vs $1,000/month, the best habits of real-life millionaires, and what separates those who build wealth from those who never quite get there.Whether you're 25 or 45, it's not too late to start building your financial future. We'll show you how to leverage time, automate your investing, and avoid common money mistakes that drain your wealth potential. Plus, you'll hear wisdom from dozens of self-made millionaires on how they did it — and how you can too.This isn't hype. This is your millionaire blueprint.Start small. Stay consistent. Build wealth for life.Like, subscribe, and comment below:What's your wealth goal in the next 10 years?**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MoneyMindset #FinancialIndependence #InvestingTips #SaveToInvest #RetireWealthy #MillionaireHabits #FinancePodcast #DaveRamseyInspired #FinancialGoals #FIREmovement #BuildWealth #RichOnPurpose #MoneyTalks #BudgetBetter #SmartInvesting

Dave Ramsey's Baby Steps have helped countless people get out of debt and start saving, but are they still the best way to build long-term wealth? We explore each Baby Step by highlighting where we agree, where we diverge, and why we believe the Financial Order of Operations (FOO) provides a clearer, more effective roadmap to financial success. We'll cover everything from emergency funds and debt repayment to saving rates, investment order, college planning, and beyond. Whether you're starting from scratch or optimizing an already-strong plan, this episode helps you understand what to do with your next dollar. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices