Podcast appearances and mentions of Dave Ramsey

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Are you just trying to survive financially? Or are you on your way to building a lasting legacy? Discover the 7 levels of wealth adapted for military life and learn how to move from paycheck-to-paycheck living to financial freedom and abundance! This isn't about rank or time in service – it's about intention and systems. This episode is inspired by Ramit Sethi's video on the seven levels of wealth, viewed through a unique military money lens. The levels aren't tied to rank or experience; a junior service member could be ahead of a senior one. Everyone starts somewhere, and there's no shame if you're not at the final step yet. The Seven Levels of Wealth (with a military twist): Levels 1-2: Beginner's Mindset Level 1: Survival Level 2: Stability Levels 3-4: The Boring Middle Level 3: Security Level 4: Growth Levels 5-7: The Advanced Phase / Financial Freedom Level 5: Freedom Level 6: Abundance Level 7: Legacy Links mentioned today: Dave Ramsey's The Total Money Makeover YNAB app (military discount) For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode of More Than Commas, we dive deep into the Scriptures to explore what the Bible actually teaches about debt. From Proverbs to Paul, we examine the verses often quoted by Christian financial voices like Dave Ramsey—and contrast them with a broader biblical framework of stewardship, responsibility, and generosity. Is borrowing a sin? Or is the real issue the intent and ability to repay? Tune in as we challenge popular zero-debt theology, uncover surprising insights from the Parable of the Talents and the Widow's Oil, and offer a more faithful, nuanced view of Christian finance. Whether you're a believer or just curious, this episode brings clarity to a hot-button topic.   --   This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

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The Money Mindset That Sets Teens Up for Success What if your teen's financial habits now could determine their freedom later? In today's episode, Lisa Nehring breaks down one of the most critical (and often overlooked) skills teens need before they hit their 20s: financial literacy. From budgeting basics to lifestyle-based planning, we'll explore practical ways to teach your homeschool teen how to think clearly—and biblically—about money. Whether your family leans toward Dave Ramsey or believes in the power of leveraging like Cody Sanchez and Alex Hormozi, this episode will spark the conversations that matter most.

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

The best lenders reveal why waiting to talk to a pro can cost you thousands—and how early planning unlocks smarter, cheaper options for your first home loan. In this episode, David Sidoni shares insights from 250 top first-time homebuyer lenders on what they wish buyers did months before applying for a mortgage. He explains why relying on Google or AI can backfire, and how professional advice early on can tailor your loan for better long-term outcomes. Real-life examples show how small strategic moves, like adjusting debt or rethinking a down payment, can drastically lower monthly costs. Whether you're a year out or just getting curious, this episode shows why it pays—literally—to start planning now.Quote“It's not just ‘can you get approved?'—it's are you in the best position possible with the loan structured around your full financial picture?”HighlightsWhat 250 mortgage pros say they wish clients did earlierThe massive mistake of waiting until you're “ready” to get pre-approvedWhy Google, webinars, and AI can't replace tailored financial adviceA real buyer example where paying off a car instead of boosting a down payment saved bigHow pre-planning transforms your buying power—not just your approval oddsThe difference between a cookie-cutter loan and a custom strategyWhy a free consult with a realtor-lender team could be your smartest first moveReferenced Episodes129 – Quasi: Bought out of college with the degree—proof you don't need 2 years.304 – Everything you need to know about credit.182 – Interview with a buyer who had a zero credit score and still bought a home.246 – Lease breaking: Why it shouldn't stop your buying plan.22, 58, 75, 113 – Using a 401K for your down payment.72, 199 – Myths about credit pulls.309 – Practice your mortgage payment before buying.69, 106 – Dave Ramsey episodes.198 – PMI is a privilege.216 – PMI is still a privilege—not the devil.Connect 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

We all know time is a finite resource. Why do we keep overallocating our time? It all feels like too much of what we're supposed to do and not enough of what we want to do. In this Bread & Wine episode, Andy and Nicole discuss how their time has been swallowed up recently, how they are fighting back, and how you can own your time, too.  MKM RESOURCES **Sponsors + Partners + Deals: ⁠https://www.marriagekidsandmoney.com/sponsors⁠ ⁠Leave a Review: Apple Podcasts⁠ ⁠Leave a Rating: Spotify⁠ ⁠Instagram⁠: Follow our IG channel OTHER EPISODES YOU MIGHT LIKE ⁠Die With Zero: When FIRE Meets YOLO⁠ ⁠Reflecting on Dave Ramsey's Baby Steps 10 Years Later⁠ ⁠Are We Morons for Paying Off Our Mortgage Early?⁠ DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Kayli Johnson Creative Director / Show Director: Nicole Hill Editor: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Dave Ramsey talks about the nobility of business and why success isn't evil.    Next Steps: 

If you think success is about having it all figured out… this episode will prove you wrong—in the best way possible. From losing his job and being $95K in debt to leading growth at John Maxwell and Dave Ramsey's companies, and now running his own firm — Trey Sheneman is a master of turning chaos into clarity. In this episode of Let's Talk Business, Meny Hoffman sits down with Trey to unpack what really drives growth: from mindset, to systems, to what founders often get wrong when scaling from $3M to $30M. You'll hear:

LionTree's Louis Kenna is joined in the company's UK office by Lionel Assant, Global Co-Chief Investment Officer of Blackstone. Lionel came to Blackstone in 2003, four years prior to the firm going public; in that time, their AUM has risen from ~$27 Billion to around $1.1 Trillion. Executing on 70 plus strategies across four divisions, Lionel details how Blackstone's scale enables them to make bold investments, and, via their long-standing involvement with Impetus, to apply time-tested Private Equity methodology to effect social good.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.

In this episode of the Christian Business Advantage podcast, host Alyssa Avant welcomes special guest Claire Winson—conversion copywriter, funnel strategist, and former lead copywriter for Dave Ramsey—to help us reset our email marketing strategies. If you've been struggling to stay consistent with your list, feel weighed down by guilt, or just want to better engage your subscribers, this episode is packed with clarity and encouragement. Claire shares powerful insights on how to re-engage cold subscribers, create a high-impact welcome sequence, and align your content with your offers—while taking the pressure off and making email fun again. Don't miss this one!

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 Mind Shift Podcast, Aaron and Erwin McManus reflect on Erwin's recent trip to Birmingham, Alabama, where he attended the Leadership Factor Conference. Despite a whirlwind of travel from Los Angeles to Houston to Birmingham and back, Erwin shares his excitement about connecting with influential leaders like Chris Hodges, Dave Ramsey, Henry Cloud, and Patrick Lencioni. He emphasizes the power of systems in leadership and entrepreneurship, pointing to Chris Hodges' approach as a model of clarity and effectiveness. Drawing from the principles of "The E-Myth," Erwin highlights how structure and systems are key to scaling vision with excellence.Their conversation turns personal as Erwin recounts his interactions with leaders like Dave Ramsey and reflects on the impact of his own writing and work. He shares moments of recognition from fans at the airport and talks about the global reach of his books, such as The Seven Frequencies of Communication and Mind Shift. Aaron recalls seeing John Maxwell promote books during his youth, sparking memories of the long journey they've both taken through leadership spaces. These reflections underscore the influence of consistent work over time and the power of meaningful connections.Erwin and Aaron also touch on current religious and cultural events, including the appointment of the new Pope with American roots and a love for the Chicago White Sox. This leads to Erwin's own story and his early draw to the story of Jesus. He recounts his hunger for spiritual truth and his fond experiences within the Catholic Church, recognizing how those early moments helped shape his open-hearted search for faith. The segment paints a fuller picture of Erwin's spiritual journey and openness to diverse expressions of belief.The episode deepens with Erwin's retelling of Henry Cloud's insights about the pervasive cultural narrative of victim, persecutor, and rescuer. They explore how this psychological triangle plays out in movements like Me Too or immigration debates and discuss the danger of being trapped in any of those roles. Erwin stresses the importance of refusing to see oneself as a victim or aggressor, instead championing a mindset rooted in ownership, personal responsibility, and mutual empowerment. This philosophy extends to his broader leadership approach, particularly in coaching and ministry.The episode wraps with several forward-looking discussions, including Mosaic Church's evolving future, Erwin's leadership during high-pressure transitions, and the launch of  Ghost Artifacts. Aaron and Erwin describe the uniqueness of the hoodie's Japanese fabric and what makes a product costly versus expensive, tying in themes of quality and intention. Aaron shares excitement for upcoming releases and the ethos behind their creative projects. They close the episode with gratitude for their community, a call to engage with the new Ghost Artifacts collection, and a reminder about the upcoming Mosaic Conference—a celebration of vision, creativity, and the next chapter ahead.

Gary says perhaps the controversial thing in the history of the station, we dissect the latest Frostys available at Wendy's, Matt pleads for fast food restaurants to "stay in their lane", the difference between real money and fake money. We get to the bottom of what Dave Ramsey is trying to tell us, and how to earn Casey's Rewards points.

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

“Investments Don't Hug: Embracing the Life Insurance Asset” – A weekly audio book segment, a gift from Financialoscopy® creator - Mark Bertrang, as read by the author. Here's the link for Chapter Nineteen – “The reason for thanksgiving”

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

How do we as business leaders not be discouraged by hard times and instead see the good that can result from them? In episode 242 of At The Table, Patrick Lencioni welcomes legendary financial expert and leadership voice Dave Ramsey for an unfiltered conversation about hard times. As Pat mentions in the intro, this is not your average interview. They discuss the current economic and cultural moment, explore the importance of values-based leadership, and call out the failures of transactional mindsets. This episode challenges leaders to hold the line on integrity, even—and especially—when things get tough.Topics explored in this episode: (2:46) The Ubiquity of Adversity* Leaders should expect to face new forms of adversity as they grow their business. * Adversity can distort one's perception, making challenges seem more overwhelming than they are. (8:24) The Genesis of a Calling* How Dave's bankruptcy led him to discover his calling in helping others manage their finances. * Helping others through hardship can transform personal struggles into a meaningful career. (17:24) Developing Resilience* How previous challenges can build resilience and provide perspective on current difficulties. * Leaders must work through challenges rather than avoid them. (22:50) Navigating the Stages of Business* Dave outlines the five stages of business growth: treadmill, pathfinder, trailblazer, peak performer, and legacy. * Each stage presents unique challenges and requires different strategies for success and progression. (31:09) Continuous Learning* Effective leaders are lifelong learners who integrate insights from various sources and generously credit others.Thanks to Dave Ramsey for being on the show! Learn more about Dave and his company Ramsey Solutions: https://www.ramseysolutions.com/ Follow Dave on LinkedIn: https://www.linkedin.com/in/ramsey-dave/ Get Dave's books mentioned in this episode: * Build a Business You Love: Mastering the Five Stages of Business: https://store.ramseysolutions.com/business-and-career/books/build-a-business-you-love-by-dave-ramsey/ * EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches: https://store.ramseysolutions.com/business-and-career/books/entreleadership/ This episode of At The Table with Patrick Lencioni is brought to you by The Table Group: https://www.tablegroup.com. We teach leaders how to make work more effective and less dysfunctional. We also help their employees be more fulfilled and less miserable. At The Table is a podcast that lives at the connection between work life, leadership, organizational health, and culture. Subscribe on Apple Podcasts (https://apple.co/4hJKKSL), Spotify (https://spoti.fi/4l1aop0), and YouTube (https://bit.ly/At-The-Table-YouTube). Follow Pat...

We hoped to have many episodes created already in 2025, but life had other plans! Jay explains the exciting news that has slowed our progress on the podcast. Please stay tuned for more HopeFilled Financial Podcasts, but please be patient as we navigate this new season of life. See you next year?!  Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. Subscribe if you don't want to miss our return! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).  Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.  Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

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

“Most peoples' understanding of life insurance comes from someone else's misunderstanding”Bad inputs lead to bad outputs. For many people, bad input stems from Dave Ramsey. In this episode, we provide a thorough analysis of Dave Ramsey's erroneous claims about whole life insurance, addressing fundamental flaws in his understanding of the concept of cash value. The discussion centers on a recent Dave Ramsey Show clip where he dismisses whole life insurance as a poor financial tool, providing blanket financial advice without a single exploratory question about the caller's personal situation.Hans and Brian methodically break down each of Ramsey's claims, offering point-by-point rebuttals backed by real-world illustrations and actuarial principles. They explore how a proper understanding of insurance mechanics reveals a very different picture than what Ramsey presents to his audience.Through detailed policy illustrations and clear explanations, the episode demonstrates why whole life insurance is an invaluable financial tool when properly understood and structured, especially for those interested in multi-generational wealth planning.The Cash Value Misconception: The fundamental understanding of cash value presented by Dave Ramsey is fatally flawed. The episode explains that cash value is not a separate savings account that the insurance company "keeps" upon death, but rather the net present value of your future death benefit.Real Policy Illustrations: An actual policy illustration debunks the claim that "they keep your cash value when you die." The example shows how a policyholder can withdraw significantly more than they contributed while still maintaining a substantial death benefit for their heirs.The Value Beyond Rate of Return: The narrow focus on rate of return when evaluating whole life insurance misses the point. Not only is Dave's internal rate of return analysis demonstrably wrong, but it ignores numerous other returns and valuable contractual rights inherent to the whole life contract.Legacy Planning vs. Self-Focus: A multi-generational wealth approach contrasts with a more limited retirement-focused perspective, highlighting how properly structured life insurance can ensure wealth transfers efficiently across generations rather than forcing each new generation to "start over."▶️Chapters:00:00 - Welcome to Remnant Finance01:00 - Life Updates and Moving Challenges 04:00 - Dave Ramsey's Take on Whole Life Insurance 08:00 - Analyzing Term vs. Whole Life Cost Comparison 12:00 - Debunking Dave's Cash Value Claims 17:00 - Misunderstanding Cash Value as a Separate Account25:00 - Explaining What Cash Value Actually Is 31:00 - Using the "Altitude" Analogy for Cash Value 42:0 - Illustration of Actual Policy Performance 49:00 - Legacy Planning vs. Self-Focused Retirement 55:00 - Compensation Models: Commissions vs. Asset Management Fees 01:02:00 - Dave's Lack of Understanding About Infinite Banking 01:09:00 - Final Thoughts on Making Informed Financial DecisionsGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

We have a special episode this week on the Maxwell Leadership Podcast! Mark Cole is joined by personal finance expert, best-selling author, and CEO of Ramsey Solutions, Dave Ramsey. In this episode, they discuss Dave's latest book, Build a Business You Love, and walk through the 5 stages of business growth. Key takeaways:  Time management is one of the ways you level up. The people you put your DNA in define your success.  Don't wait until it's too late to ensure your business can thrive without you.  Our BONUS resource for this episode is the Building the Business You Love with Dave Ramsey Worksheet, which includes fill-in-the-blank notes from Dave and Mark's discussion. You can download the worksheet by visiting MaxwellPodcast.com/BusinessYouLove and clicking “Download the Bonus Resource.”  Take the next step in your growth journey and become a Maxwell Leadership Certified Team Member. Click here to speak with a Program Advisor today!  References:  Watch this episode on YouTube!  Order Dave Ramsey's new book, Build a Business You Love!  Are you a young leader? Take our Next Generation Leader survey and receive The Mentor's Guide to Everyday Challenges for FREE!  Learn more about the 5 Levels of Leadership Workshop for your teams!  Join the Maxwell Leadership Certified Team  Shop the Maxwell Leadership Online Store 

What do you do when business feels hard—and you assume it's your fault? In this raw and rich conversation, Michael and Megan sit down with Dave Ramsey to talk about what really goes into building a business that lasts. Drawing from his 30+ year journey with Ramsey Solutions, Dave shares stories of failure, clarity, succession, and the slow handoff of legacy—along with what most founders get wrong about growth. If you've ever felt behind, discouraged, or unsure how to lead your business into the future, this episode will show you the next light on the path.Memorable Quotes“The dirty little secret is: Everyone's money is messed up.”“As long as I can clearly see the next step, it gives me tremendous energy and focus and hope.”“We've learned with all the bruises to look for the next thing but not to sell out to it.”“You gotta change the word. The word is: I experimented. I didn't fail.”“You give other people the credit when things are right and take the hit when things are wrong. Because it is your job as the leader.”“People are our greatest blessing and they also give us the most trouble.”“I have to constantly stop and say: Let them do it. You did hand it off. Don't take it back. They're doing okay.”Key TakeawaysBusiness Is Hard. If you're a small business owner struggling to make it all work, you're in really good company. The struggle is normal, and you're not alone.Cut Through the Fog. You don't need to know the whole path. You just need enough clarity to light your next steps.Good News: You're the Problem. If your business is stuck, look in the mirror. That's not shame—it's a solvable problem.Succession Starts Now. Planning for legacy doesn't mean you're quitting. It means you're a good steward. Whether you have five team members or 500, the time to start is now.ResourcesBuild a Business You Love by Dave RamseyThe Ramsey ShowRamsey Solutions EntreLeadershipWatch on YouTube at:  https://youtu.be/oOoV5G1Zi8EThis episode was produced by Sarah Vorhees Wendel of VW Sound

Could a flexible rental model be the game-changer your property needs? In this episode of Invest2FI, host Craig Curelop sits down with Miller McSwain, a former nuclear rocket scientist turned full-time real estate investor and author of Co-Living Cash Flow by BiggerPockets. Starting with just two house hacks in Colorado Springs, Miller now oversees 6 co-living properties totaling over 50 rentable rooms, proving that strategic co-living can outpace traditional rental strategies — even in today's high-interest-rate environment. Learn how Miller scaled his portfolio, designed high-retention communities, boosted cash flow with simple renovation tweaks, and managed operations to maximize tenant satisfaction. He also shares critical mistakes, like contractor red flags, that beginners can easily avoid. PODCAST HIGHLIGHTS:[03:44] Miller discusses how games ignited his interest in exponential growth. [06:05] His first investment in mutual funds, influenced by Dave Ramsey. [08:55] Shares decision-making behind studying nuclear engineering in Tennessee. [11:01] Describes first exposure to real estate via his parents' duplex idea. [15:25] Road trip story finding the right Colorado city for house hacking. [17:02] Breaks down numbers on first Colorado Springs co-living house hack. [20:05] Lessons from managing tenants, hiring cleaners, and improving systems. [25:50] Miller's second house hack: buying under market and adding bedrooms. [31:00] How to build strong community culture inside a co-living house. [33:30] Systems for leases, group chats, pizza nights, and boosting retention. [37:39] His experience financing co-living houses with conventional and DSCR loans. [39:00] Miller shares his plans for expanding his co-living portfolio. [44:15] Learn more about Miller's book, Co-Living Cash Flow, and the co-living strategy. HOST Craig Curelop   

Do you want a tried and tested roadmap to take the guesswork out of growing your business? In this episode, Ramsey Solutions Founder and CEO Dave Ramsey shares the proven system that guarantees to help you grow your business faster and with fewer missteps. YOU WILL LEARN:· The 5 stages of business growth.· Strategies to prepare for disruptions and market changes.· How to build a legacy and implement succession planning. MENTIONED IN THIS EPISODE: “Build a Business You Love,” by Dave Ramsey www.ramseysolutions.com NOTEWORTHY QUOTES FROM THIS EPISODE: “A clear path through anything that's formerly unknown gives people hope and energy and keeps them from getting paralysis of the analysis.” – Dave Ramsey “There's 100% probability the market's going to be disrupted. So, you've got only three choices: cause the disruption, ride the wave of the disruption, or get crushed by it.” – Dave Ramsey “If you stand in the middle of the interstate, you will get hit by a truck. You need to be moving.” – Dave Ramsey “You better plan for succession, because it's coming.” – Dave Ramsey “The biggest joy is in serving.” – Dave Ramseyitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

In this insightful episode, host Ed Parcaut sits down with Chris Miles—entrepreneur, money expert, and creator of the Money Ripples podcast. Chris shares his candid journey from traditional financial planner to becoming financially free—twice—and reveals the hard lessons he learned along the way. The conversation dives into the real-life challenges of building wealth, surviving the 2008 crash, and how true financial independence is about building streams of income rather than simply accumulating a nest egg. Listen as Chris and Ed break down myths about financial advising, investing for cash flow over speculation, and how mindset shifts around money can change your life. The episode is full of practical advice for anyone looking to gain control over their finances, invest smarter (especially for veterans and service members!), and create a future built on stability—not just hope. Whether you want to understand the pitfalls of traditional saving, explore the benefits of real estate investing, or simply seek inspiration for your own financial journey, this conversation is packed with authentic stories, useful strategies, and motivation to take actionable steps toward financial freedom. Connect with Chris Miles Podcast & Resources: Money Ripples Social: @moneyripples **Contact Ed Parcaut:** -

A lot of practices are concerned about keeping their team members on board right now. In this episode, Kiera lays out 3 effective ways to create a workplace that employees want to show up to, leading to a happier office crew and happier patients. 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 I hope that you're just having the best day of your life. I hope that you are just truly, truly, truly remembering why you're even doing this. I hope you have a strong why. I hope you have a strong commitment. I hope you have just the best honest day-to-day. Dental A Team's purpose is to truly make your life better, to make running a dental practice easier, because I don't believe that being successful and profitable has to be hard.   I don't believe that having like great patients and great teams has to be a hard journey. So our job is to give you tactical tips that are able to implement immediately and make your life and your job even easier. Today, I wanted to pump you guys up because I believe that stronger teams, happier practice, this is where we're at. How do you actually boost team morale and job satisfaction? This is something that I feel is super common right now. People are like, Kiera, how do I get more team members to stay? And we just had an in-person.   event where doctors, we had doctors and leadership, so office managers there, and the doctor like, please just tell us like, what do you want? We will try our best to do this for you. And so the reality is a happy team leads to truly a thriving practice. And I don't believe that happy means you have to give everything to them. And so really how do we create a work environment where your team loves to show up every single day? This truly impacts patient care.   It impacts efficiency. It impacts the practice success. And so really I'm going to give you guys three of the most effective strategies that I've seen with hundreds of practices to truly boost job satisfaction today. You guys, we are the dental team. We are the experts and dentists and team training. We love to do this. We love to help you in your practice. And the reality is we have been able to help within our consulting, boost team morale, boost doctor morale, which ultimately leads to greater patient satisfaction and happiness.   So today, number one, it was interesting. were like, literally at this event, we were listing off all these things and asking the team members and the doctors were like, my gosh, like, just tell us. And one of the office managers raised her hand and she said, you know, a lot of these things are important. But the number one thing that's important to me is when my doctor says, hey, you did a great job. And I like, there it is again. Like it shows up constantly of creating a culture of recognition and appreciation and   when team members feel valued, I remember like the best thing my doctor could have told me was, Keri, like you did it, you like crushed it today. Like, I'm so grateful for you as my assistant. And I think like, we think that that doesn't matter, but when it's genuine and sincere, this is what our team members are craving. And so figure out a way where you can like recognize your team members, figure out a way where you have peer to peer, so it's not just leaning on you doctors. So office managers looking for this.   And then having personalized appreciation. And this is something where I really emphasize this heavy in our company, in our team, in our culture. So for example, you guys have heard me probably talk a million times about our morning huddle structure, where every Wednesday is core value shout out and every team member, it's kind of like popcorn. So if I'm going to start today, I'm going to shout out a team member for one of our core values. And then I choose that team member and then they'll shout someone else out. And even if like it's someone else, then great, no problem. We're just going to make sure that every person   shout someone out and it doesn't matter who got shout outs. But what the goal is, is that peer to peer recognition where we're looking for each other's strengths, we're looking for each other's greatness, We're looking to elevate and celebrate one another. We have every Friday 5 where we highlight different team members of great things that they've done, things that have gone really well. And I will tell you, this is one of the greatest ways to foster a great culture. And then other things that you can do is on you can personally   Shout out team members of what they're doing well and highlight them But really being genuine and I know some doctors like really struggle with this I even had a doctor who had like 17 members and they had seven little rocks in one pocket and Every time they would compliment a team member. They'd move one rock to one pocket So by the end of the day all seven rocks had to move for giving them appreciation I had another doctor who put an alarm on their phone to just   say thank you to their team members. And I know this feels so silly, but literally we had a team of doctors and a team of office managers all in a room and consistently they all said that feeling valued and appreciated was the number 1 thing. it didn't matter about the money. Of course these things need to be there. But truly, if you just create a simple recognition plan and start acknowledging your team members this week, I know that this will be a great way to boost that team morale and keep team retention.   So number two is going to be investing in growth and development. So different things, think team members love to know what is like my progression within my workplace. How can I grow? How can I get to the next level? How can I be like, what's this? And so we love to have tier programs for every single position within the practice. We share this with our clients where it's like, what does a dental assistant from here to here to here? What's that expectation of the skillset? Also, what's the growth potential financially? And so this way it's like, how can I grow?   Also within Dental A Team, offer, I have an X amount of dollars for continuing education for all of my team members that they can use every single year to learn other things. And it can even be things like if they want to learn about investing or they want to learn about budgeting and they want to take a Dave Ramsey course, that's totally fine because I want to invest in them as people and in professionals. And so how can we actually help them know like within their career, how they can grow in advance, but also then within their life, how can they grow in advance?   You know, Dental A Tetam, have done this and Britt and I have gone back and forth of, we want to like share dollar amounts? We not like there's pros and cons around it. But what I do like is the growth trajectory of what do these positions need to be? And it's something where I felt we were clear and I found out from our team, weren't as clear. so find ways for you to help your team know how to grow and advance within the practice. and then guess what? They'll tap out. There will be a tap out phase of every position and that's okay. At least they know that.   the expectations are not missed. And then that's when we start to provide CE for life, CE for these other things. And what I've seen is when offices invest in growth and development within their teams, it reenergizes them. think consulting is a great way for you to reenergize your team. And what we see is we usually see a 10 to 30 % increase in production just with coming into a practice, just with helping them, because the whole team now is super excited. They're all on board and we've literally been able to grow them.   And so I think this is a great thing within your one-on-ones. Find out what things are interested in, find out, roll out these tiers for every position so it's super crystal clear with each team member. And then within their one-on-ones monthly, within their evaluations, you're able to help them just see their growth and development. And I know teams really do care about that. Then there of course is going to be the piece of step three will be two things. So it's gonna like, there's one of communication and team bonding, honestly having it be a fun place to work.   So things that they get excited about, and I usually break this up by quarters, because there's four departments in a practice. We've got our doctors, front office, dental assistants, and hygienists. And if I put all those together, there's one group per quarter. Give them a budget, and we just build up this incredible space where we actually have fun as a team together. We go hang out. We do paint and wine nights. We go to sports games together. We go on a cruise. We go to the movies together. We go to a movie launch. I don't care what it is. And when all the different departments have to plan it, then guess what? We all show up for each other.   But having something that's just really fun. also think like potluck lunches can be an easy thing. can have, there's just like so many things you can do as a team. You can have a date night. can have, there's just finding ways to connect beyond work is going to be a really great way of just fun. Like I know so many team members watch other offices on social media and they're that office just looks like they're having a ton of fun all the time. And a lot of them really are. And so it's like, how can we actually have so much fun together as a team? We want to make sure that we are   teammates and my husband was talking to me, he works in the hospital and he works with a pretty large team and they said that our teams are becoming a lot of what communities used to be. Communities used to be like where you lived would be about like your politics and your religion and all these other things in your support system and your friends and work is now becoming that. And so finding ways to connect.   even as human beings, I think is a really, really great way to just have it be a fun place. And that doesn't mean you have to spend a lot of money. It could just be getting creative where we remember we're people in addition to being coworkers. And then of course, I will just say like a fourth bonus tip is going to be making sure that we are compensating our team appropriately and that our benefits are where they need to be. Even if you don't offer healthcare, you can offer a health stipend for like gym memberships or wellness. You can offer like a half day on certain days of the month, but   Getting feedback in a positive way, I think there's been some ways to have it negative, but figuring out what really is super important to your team is going to be great ways for you to just truly boost this team morale, boost this connection. And so really what we wanted to highlight is number one, the number one thing, like literally, I just did this like a couple of weeks ago. It is the recognition and appreciation. Number two is growth and development. Three is strength and communication and team bonding. And four is going to be making sure that you are compensating your team.   where you are adequate to where they're not stressed and you're able to have that. But I really think in that growth section, showing them the tiers, you've actually helped foster that as well. So this is where you can actually get like positive team culture. takes time. Culture is not something that's built overnight. Culture is not something that you just show up. It usually is quite a long turn, but it is undue dividends. And the reality is you've got to be able to create this thriving team culture. Otherwise you're going to be dealing with constant turnover.   constant chaos and that is not a fun space to be. So if you want some help, if you want to create that thriving team culture, DM us or visit our website and we will truly help you out. We've got some tips for you. I'm happy to share shout out jar pieces for you. I'm happy to share Friday five examples for you. I'm happy to share one-on-ones, tiers, whatever we can do to support you, DM us and ask for that or email us Hello@TheDentalATeam.com.   Truly subscribe to our podcast or our newsletter for more leadership strategies and tips and honestly share this with another office that you know could help, another team member that this could help because this is truly what the Dental A Team does. You're obsessed with this and if you are ready to boost your morale, build a higher performing team, reach out. Now is your time. This is not something that's hard. It can definitely be easy. It's something that we're obsessed with. Three simple tips and we would love to help you in any way we can. As always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

Debating a passionate Dave Ramsey coach on three major financial topics: debt, credit cards, and 15 vs 30 year mortgages. Watch More Financial Debates: https://www.youtube.com/playlist?list=PLSXbgsLBVKmFerNYLHAcDf3aj23Xx3U1V Connect with Caleb Bale's Channel: @CalebBaleFinance ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Get your seat for Dean & Tony Robbins's Event: Thrive in 2025Leave an Amazon Review for my New York Times Bestselling book, Make Money Easy!In the face of economic uncertainty, real estate mogul and entrepreneur Dean Graziosi reveals how internal work trumps external tactics when building a recession-proof future. Having navigated multiple economic downturns over his 40-year business career, Dean shares a surprising truth – most Fortune 500 companies were started during recessions when others sat paralyzed by fear. Through raw stories of his challenging childhood with an abusive father and his journey to financial freedom, Dean explains why money is like oxygen: when you lack it, it consumes your thoughts. But once you secure it, you must face the deeper work of healing. His vulnerable admission that he initially thought his pain was the source of his drive offers a powerful lesson for anyone using past trauma as fuel for success.Dean's book Millionaire Success HabitsDean's book The Underdog Advantage - Rewrite Your Future By Turning Your Disadvantages Into Your SuperpowersDean's book Be a Real Estate Millionaire: How to Build Wealth for a Lifetime in an Uncertain EconomyIn this episode you will learn:Why most Fortune 500 companies were started during economic downturns, and how to use others' hesitation as your competitive advantageHow to develop "hunger" that remains unaffected by external economic conditions or media negativityWhy money is like oxygen - when you lack it, it dominates your thinking and prevents you from living your full potentialThe powerful four-part pyramid framework for achieving goalsHow to use pain as temporary motivation while building a more sustainable "compelling future" that pulls you forwardFor more information go to https://www.lewishowes.com/1766For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you'll love:Dave Ramsey – greatness.lnk.to/1758SCAnthony O'Neal  – greatness.lnk.to/1738SCAlex Hormozi – greatness.lnk.to/1723SC Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX