Podcasts about The Dave Ramsey Show

n this episode of This Week in Reselling, we sit down with Mary, a powerhouse reseller who used flipping to completely eliminate her debt!

“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

Jessica Baladad, six-year cancer survivor, is the creator of Feel For Your Life, a free mobile application that provides resources on how to perform self breast exams and when to get screenings, while allowing users to track and monitor their changes and set reminders. An unexpected breast cancer diagnosis at 33 years old empowered Jessica to channel her experience into a mission that is changing the way women advocate for their medical care. It's the first of its kind created by a breast cancer patient and has been downloaded tens of thousands of times all over the world. In 2024, Jessica implemented an AI feature into the app to help patients interpret and better understand pathology reports from their breast cancer screenings. Jessica's history with breast cancer catalyzed her dedication to building Feel For Your Life. She's the fourth generation on her paternal side of the family to be diagnosed with the disease, and yet, no known gene mutation has been found in her lineage. She first learned how to do a self breast exam after having a benign tumor removed at 18, and nearly 15 years later, Jessica was diagnosed with Stage 2B invasive ductal carcinoma after performing a routine self exam in the shower. She underwent 16 rounds of chemotherapy, a double mastectomy, 24 rounds of radiation, a hysterectomy and 10-hour flap reconstruction. Since launching the app, Jessica has expanded her advocacy into healthcare reform. She has helped write legislation in the State of Tennessee to promote risk reducing measures against cancer and disease. Billed as the Feel For Your Life Act, it requires high school students to learn about self breast exams, testicular exams and skin exams. Additionally, Jessica has spoken out against insurance companies before members of Congress. She is working to eliminate quality-adjusted life-year (QALY) scores, Pharmacy Benefits Managers (PBMs) and co-pay accumulators. Jessica plans to grow her efforts further by working with medical providers, patients and vendors to bridge the gaps that keep individuals from getting access to the care they deserve. Jessica has been featured on Good Morning America, Tank's Good News, USA Today, The Dave Ramsey Show, UpWorthy and several national and international media outlets. She's worked with the NFL on their Crucial Catch Campaign to promote cancer screenings, received the Hometown Hero Award from Ponce Law on Nashville's Fox 17, has been recognized by the National Breast Cancer Foundation for her leadership initiatives and was the recipient of the Mona Lisa Foundation Grant in 2023. In 2020, the NFL's Crucial Catch Campaign partnered with Jessica to spread awareness about the importance of screenings being missed during the height of the Covid-19 pandemic. She serves as an active committee member of the Tennessee Advocate for Breast Cancer (TA4BC) group. Learn more:https://www.feelforyourlife.com/meet-jessicahttps://www.linkedin.com/in/jessicabaladadhttps://www.instagram.com/jessica.baladad/?hl=enhttps://www.instagram.com/jessica.baladad/?hl=enhttps://www.facebook.com/JessicaBaladad01/ Email: jessica@feellforyourlife.com

In this episode, Jay speaks with Jessica Baladad, a six-year breast cancer survivor and the creator of Feel For Your Life—a groundbreaking app providing tools for breast self-exams, health tracking, and AI-based pathology interpretations. Key Points:

Show Notes/Description:

This episode is based on David McKnight's interview with Lane Martinsen on Financial Fast Lane. David shares how he started in the financial planning industry, as well as the backstory of his new book, The Guru Gap. The Guru Gap focuses on several financial gurus such as Dave Ramsey, Suze Orman, Clark Howard, and Ramit Sethi. David finds it interesting to see financial gurus demonizing the types of recommendations him and his peers share – recommendations based on math and actuarial science. For David, America is better off for financial gurus being in the picture than out of the picture. The main issue is the fact that they aren't trying to cultivate an adversarial relationship with mainstream financial advisors, says David. David brings up a real-life example of bad advice shared on the Dave Ramsey Show. The ideal reader of The Guru Gap is the sophisticated, disciplined, investor. Most Americans strive for their money to last until they die. David sees Dave Ramsey as an expert who is “good for bad investors, and bad for good investors”. There are lots of stories of people who, following Ramsey's advice, have run out of money much sooner than they predicted. David believes that it's time for disciplined investors to adopt an entirely different paradigm when it comes to maximizing their retirement savings. David goes over three challenges he faced when writing The Guru Gap. Hope is something Dave Ramsey seems focused on. However, in the context of financial planning, David sees hope as something that can be the opposite of math. David and Lane Martinsen discuss the chapters David is most excited about. David's ultimate goal with The Guru Gap is to engender a massive dialogue between Americans and financial gurus. David hints at a future book that will focus on Millennials – a generation that is saving less and is less educated on investing than their Gen X and Baby Boomer forebears at the same stage in their life.   Mentioned in this episode: David's upcoming book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.comLane Martinsen Financial Fast Lane Al Gore Dave Ramsey Suze Orman Clark Howard Ramit Sethi Wade Pfau Ken Fisher Tom Hegna Ernst & Young  David Walker

I'm joined by two remarkable experts in the financial wellness space: Jade Warshaw and Brad Lea. Jade is a financial coach, co-host of The Dave Ramsey Show, and author of the national bestseller 'Money Is Not a Math Problem.' Her powerful personal journey of paying off $460,000 in debt has transformed into a mission of helping others achieve financial freedom. Brad Lea is a dynamic entrepreneur, philanthropist, and host of 'Dropping Bombs' podcast. As CEO of Lightspeed VT, Brad has turned his own life lessons into a powerful mission: connecting those who have knowledge with those who need it. In this conversation, we dive deep into financial transformation and the tools you need to take control of your financial future. You'll walk away from this episode equipped with practical wisdom and inspired to take meaningful steps toward your own financial wellness journey. SPONSORS: Shop for Black Friday with OSEA, and get an additional 10% OFF with the code ELLENF10 https://oseamalibu.com/pages/black-friday-2024?utm_source=podcast&utm_medium=influencer&utm_campaign=112024_BFCM_EllenFisher Get 20% off Cymbiotika + free shipping with code ELLEN - https://cymbiotika.com/ellen Get over 60% off your Superhuman membership - https://www.superhuman.app/ellen WHERE TO FIND JADE WARSHAW InstagramWebsite Book: "Money's Not a Math Problem” WHERE TO FIND BRAD LEA InstagramWebsite Podcast: Dropping Bombs Podcast WHERE TO FIND ME The Empowered Pregnancy & Birth courseMy ebooksMy instagram

In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway breaks down a dramatic call on the Dave Ramsey Show. A caller explains how his girlfriend, appointed as a payee for his inheritance, allegedly stole $40,000. A.B. Ridgeway explores the financial and emotional fallout, sharing key insights on how to protect your assets, avoid falling victim to fraud, and make wiser financial decisions in relationships.Key Takeaways:Protect Your Finances: It's crucial to maintain control over your financial accounts, especially when dealing with large sums of money like inheritances.Red Flags in Relationships: Trust is foundational in relationships, but financial dishonesty is a major warning sign. Don't ignore financial red flags.Seek Legal and Professional Advice: If money is missing or mismanaged, seek professional guidance immediately to recover losses and secure your financial future.Memorable Quotes:"I have a low threshold for dating criminals and people who commit fraud against me." – George Kamel"You gain clarity with information—don't rush to judgment before you know the full story." – A.B. Ridgeway"Why is she still your girlfriend after stealing $40,000? That would have been a dealbreaker for me." – Dave Ramsey

In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway breaks down a dramatic call on the Dave Ramsey Show. A caller explains how his girlfriend, appointed as a payee for his inheritance, allegedly stole $40,000. A.B. Ridgeway explores the financial and emotional fallout, sharing key insights on how to protect your assets, avoid falling victim to fraud, and make wiser financial decisions in relationships.Key Takeaways:Protect Your Finances: It's crucial to maintain control over your financial accounts, especially when dealing with large sums of money like inheritances.Red Flags in Relationships: Trust is foundational in relationships, but financial dishonesty is a major warning sign. Don't ignore financial red flags.Seek Legal and Professional Advice: If money is missing or mismanaged, seek professional guidance immediately to recover losses and secure your financial future.Memorable Quotes:"I have a low threshold for dating criminals and people who commit fraud against me." – George Kamel"You gain clarity with information—don't rush to judgment before you know the full story." – A.B. Ridgeway"Why is she still your girlfriend after stealing $40,000? That would have been a dealbreaker for me." – Dave Ramsey

This week on the Team Lally Real Estate Radio Show, we interview Michael Hellickson, founder and president of Club Wealth® Coaching and Consulting. Michael shares crucial strategies for agents to excel in today's market, including extreme focus, consistency, disciplined lead generation, and insights into side hustles and dual careers in real estate. He also delves into investment rules and best practices.We also hear from Jake Kissack of Go Local Powur with his Tip of the Week, and updates from HECO emphasizing the critical need for backup power solutions and solar energy, especially for individuals with health risks during power outages.Who is Michael Hellickson?Michael is the founder and President of Club Wealth® Coaching and Consulting. He is a real estate titan with over 20 years of experience. Since 1991, he reached the top 1% of agents nationally before graduating high school. Known as the top short sale expert, he's appeared on Glenn Beck, CNBC, The Dave Ramsey Show, and The Fox Business Network. He served a 2-year mission for the Church of Jesus Christ of Latter Day Saints in Hamburg, Germany, and currently lives in Bonney Lake, Washington.Club Wealth® Coaching and Consulting is an exclusive, private club that welcomes only those committed to supporting others, sharing their top strategies, and leading by example. Their team of dedicated professionals is prepared to go the extra mile to help your business thrive. Renowned as the top real estate coaching company in the team-building arena, they are also the fastest-growing coaching company in the industry.To reach Michael, you may contact him in the following ways:Phone: 206-300-6453Email: michael@clubwealth.comWebsite: clubwealth.com/

This week on the Team Lally Real Estate Radio Show, we interview Michael Hellickson, founder and president of Club Wealth® Coaching and Consulting. Michael shares crucial strategies for agents to excel in today's market, including extreme focus, consistency, disciplined lead generation, and insights into side hustles and dual careers in real estate. He also delves into investment rules and best practices.We also hear from Jake Kissack of Go Local Powur with his Tip of the Week, and updates from HECO emphasizing the critical need for backup power solutions and solar energy, especially for individuals with health risks during power outages.Who is Michael Hellickson?Michael is the founder and President of Club Wealth® Coaching and Consulting. He is a real estate titan with over 20 years of experience. Since 1991, he reached the top 1% of agents nationally before graduating high school. Known as the top short sale expert, he's appeared on Glenn Beck, CNBC, The Dave Ramsey Show, and The Fox Business Network. He served a 2-year mission for the Church of Jesus Christ of Latter Day Saints in Hamburg, Germany, and currently lives in Bonney Lake, Washington.Club Wealth® Coaching and Consulting is an exclusive, private club that welcomes only those committed to supporting others, sharing their top strategies, and leading by example. Their team of dedicated professionals is prepared to go the extra mile to help your business thrive. Renowned as the top real estate coaching company in the team-building arena, they are also the fastest-growing coaching company in the industry.To reach Michael, you may contact him in the following ways:Phone: 206-300-6453Email: michael@clubwealth.comWebsite: clubwealth.com/

Jessica Baladad, five-year cancer survivor, is the creator of Feel For Your Life, a free mobile application that provides resources on how to perform self breast exams and when to get screenings, while allowing users to track and monitor their changes and set reminders. An unexpected breast cancer diagnosis at 33 years old empowered Jessica to channel her experience into a mission that is changing the way women advocate for their medical care. It's the first of its kind created by a breast cancer patient and has been downloaded tens of thousands of times all over the world. In 2024, Jessica implemented an AI feature into the app to help patients interpret and better understand pathology reports from their breast cancer screenings. Jessica's history with breast cancer catalyzed her dedication to building Feel For Your Life. She's the fourth generation on her paternal side of the family to be diagnosed with the disease, and yet, no known gene mutation has been found in her lineage. She first learned how to do a self breast exam after having a benign tumor removed at 18, and nearly 15 years later, Jessica was diagnosed with Stage 2B invasive ductal carcinoma after performing a routine self exam in the shower. She underwent 16 rounds of chemotherapy, a double mastectomy, 24 rounds of radiation, a hysterectomy and 10-hour flap reconstruction.Since launching the app, Jessica has expanded her advocacy into healthcare reform. She has helped write legislation in the State of Tennessee to promote risk reducing measures against cancer and disease. Billed as the Feel For Your Life Act, it requires high school students to learn about self breast exams, testicular exams and skin exams. Additionally, Jessica has spoken out against insurance companies before members of Congress. She is working to eliminate quality-adjusted life-year (QALY) scores, Pharmacy Benefits Managers (PBMs) and co-pay accumulators. Jessica plans to grow her efforts further by working with medical providers, patients and vendors to bridge the gaps that keep individuals from getting access to the care they deserve.Jessica has been featured on Good Morning America, Tank's Good News, USA Today, The Dave Ramsey Show, UpWorthy and several national and international media outlets. She's worked with the NFL on their Crucial Catch Campaign to promote cancer screenings, received the Hometown Hero Award from Ponce Law on Nashville's Fox 17, has been recognized by the National Breast Cancer Foundation for her leadership initiatives and was the recipient of the Mona Lisa Foundation Grant in 2023. In 2020, the NFL's Crucial Catch Campaign partnered with Jessica to spread awareness about the importance of screenings being missed during the height of the Covid-19 pandemic. She serves as an active committee member of the Tennessee Advocate for Breast Cancer (TA4BC) group.https://www.feelforyourlife.com/meet-jessicahttps://www.linkedin.com/in/jessicabaladadhttps://www.instagram.com/jessica.baladad/?hl=enhttps://twitter.com/jessica_baladad?lang=enhttps://www.facebook.com/JessicaBaladad01/Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.

In this episode of The Healers Café, Manon Bolliger, FCAH, RBHT (facilitator and retired naturopath with 30+ years of practice) speaks with Jessica Baladad about her journey as a breast cancer survivor, the creation of the Feel for Your Life app, and how it empowers individuals to perform self-breast exams, track changes, and navigate their health with greater confidence.  For the transcript and full story go to: https://www.drmanonbolliger.com/jessica-baladad   Highlights from today's episode include: Jessica Baladad  So let's say you have a screening, and you get this pathology report back, and you're reading it, and it's like, what does this mean? I don't understand it. And you start Google things, and it doesn't make sense. So I took the guesswork out of that.   Jessica Baladad  06:01 Yeah. So we even have a little term in the breast cancer community called scanxiety, where you are afraid of getting scans and exams. I mean, they're necessary, and we joke about it, but it's real that we have that fear of getting scanned,   Jessica Baladad  And so, you know, it's...people have a lot of different feelings about it, but ultimately, I want women to understand how their screenings work, how the pathology is done, and what they can do to empower themselves to get through that fear, because knowledge helps overcome that anxiety.   ABOUT JESSICA BALADAD: Jessica Baladad, six-year cancer survivor, is the creator of Feel For Your Life, a free mobile application that provides resources on how to perform self breast exams and when to get screenings, while allowing users to track and monitor their changes and set reminders. An unexpected breast cancer diagnosis at 33 years old empowered Jessica to channel her experience into a mission that is changing the way women advocate for their medical care. It's the first of its kind created by a breast cancer patient and has been downloaded tens of thousands of times all over the world. In 2024, Jessica implemented an AI feature into the app to help patients interpret and better understand pathology reports from their breast cancer screenings. Jessica's history with breast cancer catalyzed her dedication to building Feel For Your Life. She's the fourth generation on her paternal side of the family to be diagnosed with the disease, and yet, no known gene mutation has been found in her lineage. She first learned how to do a self breast exam after having a benign tumor removed at 18, and nearly 15 years later, Jessica was diagnosed with Stage 2B invasive ductal carcinoma after performing a routine self exam in the shower. She underwent 16 rounds of chemotherapy, a double mastectomy, 24 rounds of radiation, a hysterectomy and 10-hour flap reconstruction. Since launching the app, Jessica has expanded her advocacy into healthcare reform. She has helped write legislation in the State of Tennessee to promote risk reducing measures against cancer and disease. Billed as the Feel For Your Life Act, it requires high school students to learn about self breast exams, testicular exams and skin exams. Additionally, Jessica has spoken out against insurance companies before members of Congress. She is working to eliminate quality-adjusted life-year & QALY ; scores, Pharmacy Benefits Managers (PBMs) and co-pay accumulators. Jessica plans to grow her efforts further by working with medical providers, patients and vendors to bridge the gaps that keep individuals from getting access to the care they deserve. Jessica has been featured on Good Morning America, Tank's Good News, USA Today, The Dave Ramsey Show, UpWorthy and several national and international media outlets. She's worked with the NFL on their Crucial Catch Campaign to promote cancer screenings, received the Hometown Hero Award from Ponce Law on Nashville's Fox 17, has been recognized by the National Breast Cancer Foundation for her leadership initiatives and was the recipient of the Mona Lisa Foundation Grant in 2023. In 2020, the NFL's Crucial Catch Campaign partnered with Jessica to spread awareness about the importance of screenings being missed during the height of the Covid-19 pandemic. She serves as an active committee member of the Tennessee Advocate for Breast Cancer & TA4BC&  group. When Jessica is not working on patient advocacy, she enjoys traveling and exploring new places, attending sporting events with her husband and photographing animals.   Core purpose/passion: To help prevent breast cancer by starting checkups and screenings early. Website | Facebook | Instagram | LinkedIn | X   ABOUT MANON BOLLIGER, FCAH, RBHT  As a de-registered (2021) board-certified naturopathic physician & in practice since 1992, I've seen an average of 150 patients per week and have helped people ranging from rural farmers in Nova Scotia to stressed out CEOs in Toronto to tri-athletes here in Vancouver.  My resolve to educate, empower and engage people to take charge of their own health is evident in my best-selling books:  'What Patients Don't Say if Doctors Don't Ask: The Mindful Patient-Doctor Relationship' and 'A Healer in Every Household: Simple Solutions for Stress'.  I also teach BowenFirst™ Therapy through and hold transformational workshops to achieve these goals. So, when I share with you that LISTENING to Your body is a game changer in the healing process, I am speaking from expertise and direct experience". Manon's Mission: A Healer in Every Household!  For more great information to go to her weekly blog:  http://bowencollege.com/blog.  For tips on health & healing go to: https://www.drmanonbolliger.com/tips    Follow Manon on Social – Facebook | Instagram | LinkedIn | YouTube | Twitter | Linktr.ee | Rumble   ABOUT THE HEALERS CAFÉ:  Manon's show is the #1 show for medical practitioners and holistic healers to have heart to heart conversations about their day to day lives.  Subscribe and review on your favourite platform: iTunes | Google Play | Spotify | Libsyn | iHeartRadio | Gaana | The Healers Cafe | Radio.com | Medioq |   Remember to subscribe if you like our videos. Click the bell if you want to be one of the first people notified of a new release. * De-Registered, revoked & retired naturopathic physician after 30 years of practice in healthcare. Now resourceful & resolved to share with you all the tools to take care of your health & vitality!  

Sharing a few conversations that have veered into urban planning / design, transportation, American mindset, and the like. Clips shared during the episode: Ari Matti on Matt and Shane's Secret Podcast, on the American pedestrian experience. George Kamel (of the Dave Ramsey Show) on The Iced Coffee Hour, talking the biggest wealth crushers. Neil DeGrasse Tyson on Joe Rogan, discussing the rollout of cars and highways in the states. Morning Brew staff, acting out the key takeaways from a stellar recent Economist piece concerning vehicle weight and fatalities.

In this insightful episode, A.B. Ridgeway dives into a discussion about the real reason people are broke, drawing inspiration from Jade Warshaw's appearance on the Dave Ramsey Show. Jade shares her journey to paying off $460,000 of debt in eight years and debunks common financial myths, such as the notion that "money isn't a math problem." Together, we explore the emotional and psychological barriers that keep people in debt and why accountability and mindset are critical to achieving financial freedom.3 Key Takeaways:Mindset Over Math: While financial success requires understanding the math, mindset and behavior play a much larger role. Emotional barriers, not knowledge gaps, often keep people stuck in financial ruts.Accountability is Crucial: Taking responsibility for your financial decisions is key to breaking free from debt. If you signed the dotted line, it's up to you to pay back what you owe.Debt is More Than a Financial Problem: Jade emphasizes that financial problems often stem from deeper emotional and mental struggles. Until these issues are addressed, no amount of financial advice will stick.Notable Quotes:"When you realize the mess you've made, you have to start asking yourself real questions. It's beyond the money." – A.B. Ridgeway"Money is a math problem, but if you know the math and are still broke, it's because it's more than just about money." – Jade Warshaw"When you're in debt, there's this constant guilt. The other side of that is complete freedom." – Jade WarshawResources Mentioned:Jade Warshaw's new book: Money's Not a Math Problem: The Real Reason You're Broke and What

In this insightful episode, A.B. Ridgeway dives into a discussion about the real reason people are broke, drawing inspiration from Jade Warshaw's appearance on the Dave Ramsey Show. Jade shares her journey to paying off $460,000 of debt in eight years and debunks common financial myths, such as the notion that "money isn't a math problem." Together, we explore the emotional and psychological barriers that keep people in debt and why accountability and mindset are critical to achieving financial freedom.3 Key Takeaways:Mindset Over Math: While financial success requires understanding the math, mindset and behavior play a much larger role. Emotional barriers, not knowledge gaps, often keep people stuck in financial ruts.Accountability is Crucial: Taking responsibility for your financial decisions is key to breaking free from debt. If you signed the dotted line, it's up to you to pay back what you owe.Debt is More Than a Financial Problem: Jade emphasizes that financial problems often stem from deeper emotional and mental struggles. Until these issues are addressed, no amount of financial advice will stick.Notable Quotes:"When you realize the mess you've made, you have to start asking yourself real questions. It's beyond the money." – A.B. Ridgeway"Money is a math problem, but if you know the math and are still broke, it's because it's more than just about money." – Jade Warshaw"When you're in debt, there's this constant guilt. The other side of that is complete freedom." – Jade WarshawResources Mentioned:Jade Warshaw's new book: Money's Not a Math Problem: The Real Reason You're Broke and What

Check out the Crisil's Mutual fund Ranking Report : https://www.crisil.com/en/home/what-we-do/financial-products/mf-ranking.htmlAnalyst DisclosureNotwithstanding any member(s) of the team, who are involved in the preparation of this Report and/or whose names are published as part of this Report and their relatives, having financial interest or actual/ beneficial ownership in the form of securities holding (of less than 1%), at an individual level, if any, withany of the members having served as officers, directors, or employees of the companies in the last 6 months or having engaged in market making activities, in the subject companies, there exists no material conflict of interest which can affect the neutrality or bias the output of the Report, given the deployed procedural safeguards including but not limited to objective methodology followed in the process of execution with no influence at an analyst level and the outputs being executed at a portfolio level, with no separate analysis for an individual company.For the rest of the disclosure, please refer to link. In this episode of Paisa Vaisa, Anupam Gupta sits down with Piyush Gupta from CRISIL to unravel the secrets behind mutual fund rankings. Discover how to choose the best funds, learn about top performers, and dive into the active vs. passive debate. Plus, get a glimpse into the future of India's mutual fund industry all packed into this insightful episode. Don't miss out! Get in touch with our host Anupam Gupta on social media: Twitter: ( https://twitter.com/b50 ) Instagram: ( https://www.instagram.com/b_50/ ) LinkedIn: (https://www.linkedin.com/in/anupam9gupta/                 You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/ You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel. See omnystudio.com/listener for privacy information.

UNIQUE SHOWS COME FROM UNIQUE PERSONALITIES When you try to be all things to all people, you end up being nothing. You're not unique. PICK A SIDE Focus your topic on what you know best. Be opinionated. Be passionate. Pick a side. Be unique. Most of all, be consistent. When you try to discuss an industry in general, your audience won't know what to expect when they visit your show. Let's take Dave Ramsey for example. During the opening of “The Dave Ramsey Show”, Dave would say, "Where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice." Dave's show is a personal finance show. Moreover, it is a show about getting out of debt. Dave helps people find ways to pay off their debt and become financially stable. "The Dave Ramsey Show" didn't discuss particular stocks or mutual funds. It didn't discuss how to go about investing other than simply suggesting you sock away 15 percent of your income for retirement and then some for college. Dave's show recommends 7 basic steps to financial security. He has been doing a show on these 7 steps for over 30 years. Every show, everyday, every call. It was all about these 7 steps in some way or another. When you tuned into "The Dave Ramsey Show", you knew what you would get. Dave was focused. CHANGING DAVE As Dave gets older and closer to retirement, he is thinking about the future of the show and company. He changed the name of the show from The Dave Ramsey Show to The Ramsey Show. To help him ease his way into retirement, Dave incorporates other Ramsey Personalities into the show as co-hosts or hosts when he is gone. The show isn't just hosted by Dave. When you tune in, it could be hosted by Ken Coleman, Rachel Cruze, Dr. John Delony, George Kamel or Jade Warshaw. It may even be hosted by a couple of them if Dave is not there. The intro of the show has changed. When it was the Dave Ramsey show, Dave would say, "Where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice." Now with 6 different hosts with different areas of expertise, the intro of the show says, "Where we help people build wealth, do work that they love, and create amazing relationships." The show has become less focused on getting out of debt and personal wealth and more about life in general. Before, I knew what I got. I was in financial trouble and needed answers. Now, I could get anything. Does the show help me with my job search, or my relationship with my in-laws, or getting out of debt, or starting a business, or dealing with my boss, or my kids assuming I will watch the grandkids, or negotiating my credit card rate? All of it. You don't know what you're going to get or who will be giving it to you. The show is losing its clarity. Give your podcast focus. Your audience will appreciate the consistency. YOU UNIQUE What makes you different? When you try to please everyone, you end up pleasing no one. Make people take notice. You are an expert at your opinion. Give it to people. Take a stand. Pick a side. Some of the nicest people make the worst podcast hosts. They try to please everyone in the audience. Those people tend to blend into the background and go unnoticed. I once coached a radio host who was one of the best storytellers I had ever met. When he and I would meet one-on-one for coaching, he would tell me some of the funniest stories I had ever heard. He would tell me stories of his dad that would have me crying from laughing so hard. He once told me his dad was absolutely convinced the PT Cruiser was the best car ever made. As much as my host would try to explain that the PT Cruiser was simply the Dodge Neon chassis with a different body, his father wouldn't believe it. The two of them would get in these heated arguments in public about this car. Of all the things in life you could argue about, this happened to be the PT Cruiser. The way the story was told was full of fabulous details. The host really had the ability to make the stories come to life. As much as I would encourage him, the host wouldn't tell those stories on the radio. He didn't believe the audience as a whole would be interested. Instead, he played it safe. He only discussed vanilla content that wouldn't upset anyone. Unfortunately, the show never took hold. UPSET THEM If you're not upsetting someone, you aren't trying hard enough. I would much rather have half the audience hate me and the other half love me rather than the entire audience have no opinion one way or the other. If the audience doesn't have an opinion, they don't care. I'm doing nothing to stir their emotion if I'm not making them pick a side. If you haven't picked a side and really focused your topic, people won't care. They won't be passionate about your show. Speak your mind. Be different. Get noticed. Make people care. BIG PARTY Big Party on the other hand lived his life on the radio. I hired Mike from the college station to be the morning host on our Top 40 station. His on-air name was Big Party, because that's exactly what you got. Big Party has a unique perspective on the world. He would ask questions everyone wanted to ask, but was afraid of asking. He would tell stories and share thoughts nobody would share. It was my job to help him share his stories and bring out the right pieces to create great content. We shaped his stories to allow the audience get to know him and what he was all about. People loved it. And, they loved him. Everywhere Party went, he knew people and they knew him. The show was authentic, engaging, hilarious, and some of the best radio. His show quickly went to #1. CONNECT Your success is all about connecting, inspiring and motivating your listeners. When you connect, inspire and motivate your audience, you stir emotions within your listener. Those emotions are powerful. Emotions make people come back for more, because the create a bonding relationship. Connect with your listener by revealing things about yourself. Revelations make you human. They show your listener that you are a normal person and just like them. They can relate to you. Tell your listener about yourself. Describe the mistakes you've made. Talk about your hardships. Discuss the obstacles you've overcome. Your listener will relate to that. I WASN'T UNIQUE When I first began in broadcasting, I had no idea what I was doing. In fact, I was getting my degree in Architecture. I started drafting when I was 13. That was all I ever wanted to do. I fell into broadcasting by accident. While working weekends at a roller skating rink, I was offered a part-time job at a radio station running some equipment. I was making a few dollars to blow in college … while getting my degree in Architecture. My first full-time broadcasting job came while still studying Architecture. Each day I was on the air, I felt like an imposter. What right did I have to be on the radio talking to thousands of people everyday? I didn't know anything about broadcasting. After finishing my Architecture degree, I stayed in radio. Everyday, I learned a little more about broadcasting. I read all I could about the field. Little by little, my confidence grew. Years later, I realized I could reveal things about myself during my show. People did actually care about me. Relationships formed. Success came my way. REVEAL THINGS Self revelation during your show will help your relationships grow as well. Have confidence in yourself to connect with your audience. Once you've started to build that relationship, you can begin to inspire your audience. If you can do it, they can do it, too. Give him hope. Light that fire of desire within her. Stir emotions. Describe success. Now that your listener can envision success, show her how to get there. Motivate her to take action. Break the process down to small steps that she can easily take. Motivate her to take a step each day. Connect, inspire and motivate your listener with each podcast. When you create strong relationships with your audience, you create fans for life. If I can turn a degree in Architecture into a career in broadcasting, you can be successful there as well. Make it happen. YOUR UNIQUE AUTHORITY To become an authority and influencer in your niche, you need to stand out and be unique. You can do that by sharing yourself. Develop your personality and which parts you'd like to highlight on your show. Then, tell stories to develop that reputation with your audience. Build relationships.   If you don't have a mentor who can take your hand and walk you every step of the way, go to www.PodcastTalentCoach.com/apply, click the button and apply to have a chat with me. We will develop your plan and see how I can help and support you to achieve your podcast goals.

Join Dennis as his sits down with co-host of the Dave Ramsey show and renowned mental health expert Dr. John Deloney. He's a best selling author and also the host of his own show very popular show Dr. Deloney gives his accounts of growing up as the son of a police officer and how that impacted his life. • Dr. Delony's Background (00:02:15:26 - 00:06:10:16): Discover the journey that shaped Dr. Deloney into the expert he is today. • Dr. Delony's Education (00:06:10:16 - 00:08:25:16): Learn about his academic achievements and how they influence his approach to mental health. • Social Media Presence (00:08:25:16 - 00:09:26:07): A discussion on the role of social media in spreading awareness and providing support. • Being a Parent: What Do Dads Do? (00:09:26:07 - 00:15:40:05): Insights into fatherhood and the responsibilities of being a dad. • Fighting Back (00:15:40:05 - 00:20:42:29): Strategies and stories of resilience and overcoming challenges. • Respect and Humility (00:20:42:29 - 00:25:21:29): The importance of maintaining respect and humility in all aspects of life. • Taking Care of Other People (00:25:21:29 - 00:28:03:03): Exploring the significance of compassion and support in our communities. • Dads (00:28:03:03 - 00:32:08:05): Further discussion on the pivotal role of fathers. • Making Mistakes (00:32:08:05 - 00:34:52:05): Understanding and learning from our mistakes. • Validation (00:34:52:05 - 00:41:58:27): The need for and impact of validation in our lives. • Changing (00:41:58:27 - 00:52:51:09): Embracing change and personal growth. • Being Decent, Doing Good (00:52:51:09 - 01:00:42:27): The virtues of decency and the impact of good deeds. • Moving Forward (01:00:42:27 - 01:05:13:20): How to keep progressing despite obstacles. • How Does Dr. Delony Look So Young? (01:05:13:20 - 01:06:27:05): A light-hearted segment revealing the secrets behind Dr. Delony's youthful appearance.

While listening to an episode of The Dave Ramsey Show we heard an interesting call about a young man paying for his bride with gold and a lavish wedding they could not afford. Sounds crazy, but it happens. Join us a we talk about this and our adventure of crossing the culture line thru marriage. --- Support this podcast: https://podcasters.spotify.com/pod/show/jack-church/support

How safe is the stock market? 00:00 - Intro 00:38 - A Story Beyond Fear Story - Ft. Will Smith 08:35 - How Risky is the Stock Market? In today's story, Jay recalls how a Will Smith video that he had shared on Facebook in 2017 changed the trajectory of his life forever. If you haven't seen it, this is the clip where Will Smith talks about his skydiving adventure and the fear that proceeded the jump. Find out how just sharing this clip had a huge butterfly effect. Have you ever had a butterfly effect life changing moment? Let us know in the comments! In the main topic, Jay answers the question, "How risky is the stock market?" Investing is an act with the goal of attaining gain over time. The market is volatile, and leaves many scared by the unknowns of the future. Over time, how does an investor's certainty of gain improve (historically speaking)? Can time really help us more realistically project a healthy gain for our investments? Does the S&P500 actually yield an average of 11% per year? Can you get 12% like Dave Ramsey claims you can on the Dave Ramsey Show? What is the difference between a simple average and an annualized average? How are these different from a geometric average? Why does this matter to you? Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.

Episode Summary: In this episode of the L3 Leadership Podcast, Jade Warshaw, a Ramsey personality, shares her journey to financial freedom and the importance of following the Baby Steps to get out of debt.About Jade Warshaw: Jade Warshaw, hailing from a musical background, spent 15 years as a professional vocalist, touring 92 countries alongside her musician husband. However, their story took a sharp turn with nearly half a million dollars in debt. Marrying in 2007, they faced a staggering $280K in student loans, coupled with credit card debts and unaffordable assets. In 2008, after discovering Dave Ramsey's Baby Steps, they embarked on a journey to financial freedom, taking up various jobs and even sharing their home with roommates. Despite financial strains, Jade prioritized quality meals, inspired by her childhood. Sharing recipes online, they built a community around debt-free living. In 2015, a debt-free business idea emerged, marking a turning point. By 2017, they celebrated paying off their last $91K student loan on The Ramsey Show, embracing parenthood thereafter. Today, Jade finds fulfillment at Ramsey Solutions, using her journey to inspire others toward financial independence, emphasizing that if they could overcome six-figure debt, anyone can.4 Key Takeaways:1. Jade discusses what the Baby Steps program is and how it can help in becoming debt-free. 2. She reflects on life after debt and building wealth.3. Jade talks about her new book, Money Is Not a Math Problem.4. She shares some of her experiences at Ramsey Solutions including her favorite Ramsey personality and the challenges and growth she's encountered in her role.Quotes From the Episode:“Start layering up your skills so you can offer more to the marketplace and thereby earn more money.”“You do need help, there's only so much you can do on your own.”“Preparation is a gift you give yourself.”Resources Mentioned:Money Is Not a Math Problem by Jade WarshawRamsey SolutionsConnect with Jade:Website | Twitter | Facebook | TikTok | InstagramEpisode Webpage: https://l3leadership.org/409L3 Mastermind Groups: https://l3leadership.org/mastermindL3 Leadership Facebook: https://www.facebook.com/L3Leader/Follow us on Linkedin: https://www.linkedin.com/company/l3-leadershipRate This Podcast: https://ratethispodcast.com/l3leadership

Ken Coleman is known as “America's Career Coach” and is co-host of the Dave Ramsey Show. However, did Kevin + Steph want to talk about finances? Nope!!! Ken shares the story of when he was in his 30s and felt he needed to make a career change into broadcasting. However, at that stage of his... The post Episode 203: Ken Coleman appeared first on Kevin + Steph.

In this transformative podcast episode with our guest, George Kamel, famously known from The Dave Ramsey Show, shares his riveting financial journey outlined in his latest book, "Breaking Free from Broke." George's narrative is not just a personal success story; it's a critical examination and rejection of the entrenched American debt culture that ensnares many in a perpetual cycle of financial dependency. Through his insights, George illuminates the often-misunderstood concepts of credit scores and debt, debunking common myths that they are indispensable tools for building wealth. Instead, he advocates for a more prudent, debt-free approach to financial health, emphasizing the importance of financial literacy, disciplined spending, and strategic saving as cornerstones for genuine wealth accumulation. This episode is an invaluable resource for anyone trapped in or teetering on the edge of financial despair, offering a beacon of hope and a practical guide out of the quagmire of debt. George's principles and Krista's engaging discussion promise to inspire a paradigm shift in listeners' financial strategies, steering them towards a path of financial stability and independence. Whether you're a young adult navigating student loans, a professional wrestling with credit card debt, or simply someone aspiring to a more secure financial future, this conversation is a must-hear, packed with actionable advice and empowering insights to chart a course towards true financial freedom and success.  

Today's episode is a tribute to Dan Miller. He was a well-loved man, a mentor, and a friend to many podcasters and entrepreneurs, including myself. He is the author of the New York Times best-selling book, 48 Days To The Work You Love. In December, Dan was diagnosed with pancreatic cancer, and he just passed away on the weekend. My deepest condolences go out to his wife, Joanne, and their children, Kevin Miller, Ashley Logsdon, and Jared Angaza. From The MM Vault For today's episode, I have accessed our interview from the Mindfulness Mode vault of past episodes. I talked with Dan in July of 2020 and decided to share the conversation with you today. Dan Miller has been a guest on CBS' ‘The Early Show,' MSNBC's ‘Hardball with Chris Mathews, and the Dave Ramsey Show. Dan has spoken at the White House Christian Fellowship and is in high demand as an expert on new opportunities in today's changing workplace. His 48 Days Podcast consistently ranks in the top 3 under Careers on iTunes. The 48DaysEagles.com community is viewed worldwide as an example for those seeking to find – or create – work they love. Dan has three grown children (who all host podcasts). Also seventeen grandchildren and has been married to Joanne for over 50 years. Listen & Subscribe on: iTunes / Stitcher / Podbean / Overcast / Spotify Contact Info Company: 48 Days Website: https://www.48days.com Podcast: The 48 Days Podcast Book: 48 Days to The Work You Love (20th Anniversary Edition) by Dan Miller Special Offer: https://www.48days.com/BRUCE Most Influential Person Zig Ziglar, Personal Development Trainer Effect on Emotions “It keeps me aware that when I have reason to be upset, I have a choice. Those are not inevitable responses, and I always have a choice.” Thoughts on Breathing “As a matter of fact, I have a speech coach that I work with because I do a fair amount of speaking. I try to learn, and so I looked for a coach for breathing.” Suggested Resources Book: 48 Days to The Work You Love (20th Anniversary Edition) by Dan Miller Book: The Daily Stoic by Ryan Holiday App: Muse, Calm Bullying Story “I watch how somebody treats people. If there are any signs of bullying, ridicule, or belittling, I can't do business with them.” Related Episodes The Success Principles; Jack Canfield 368 Napoleon Hill's Writings; Jeffrey Gitomer 208 Nuggets of Growth; Jared Angaza Free Gift Get a Free Chapter of '48 Days to the Work (and life) You Love', New 20th Anniversary Edition. Take the Life You Love Quiz and get extra bonuses if you decide to buy Dan Miller's book. www.48Days.com/Bruce

Does the 4% rule still work? In this episode, we welcome three esteemed experts to counter a recent controversial claim made on the Dave Ramsey Show regarding the validity of the 4% rule in retirement planning. Joining us is David Blanchett; the Managing Director and Head of Retirement Research for PGIM DC Solutions, Michael Finke; a distinguished professor of wealth management at the American College of Financial Services, and Wade Pfau; Director of Retirement Research at McLean Asset Management. In our conversation, these experts shed light on the intricate world of retirement income planning, dispelling misconceptions and advocating for a more nuanced approach. Discover the flaws in Ramsey's assertion and explore the dynamics of sequence of return risk in retirement planning. Unpack the complexities of investing in bonds for retirees and the evolving risk profiles of stocks over varying investment horizons. We also uncover the significance of variable spending rates, debunk the fallacies behind aggressive withdrawal suggestions, a safety-first approach in retirement finance, and much more. Tune in for an enlightening journey through retirement planning and equip yourself with expert insights to pave a secure path for your financial future!   Key Points From This Episode:   The motivation for addressing Dave Ramsey's 8% retirement spending rate claim. (0:07:26) Unpack the holes in Dave Ramsey's 8% claim. (0:09:48) How important sequence of return risk is for retirement planning. (0:15:08) Discover if investing in bonds is risky for a retiree. (0:17:57) Learn how the risk of holding stocks changes for longer versus shorter investment horizons. (0:21:55) Subjective risk tolerance and how it is influenced by market fluctuations. (0:24:04) Going all-in on stocks compared to strategies that involve both bonds and stocks in your investment portfolio. (0:30:10) They share their thoughts on Dave Ramsey's notion that the 4% rule is depressing. (0:35:23) Overview of the issues and misconceptions surrounding the 4% rule. (0:37:28) Alternative approaches to spending money from a riskier investment portfolio. (0:40:06) Dynamic spending strategies to improve the initial withdrawal rate from investments. (0:43:01) Explore other financial products, like annuities, for retirement planning. (0:50:05) Mindset hurdles and adjusting expectations for financial planning. (0:58:46) Dissect the concept of delaying government pensions and its impact on investors. (1:02:24) Insights into the pros and cons of delaying social security for higher-earning women. (1:07:52) Final words of wisdom the guests have for listeners. (1:09:30)   Links From Today's Episode:   Michael Finke — http://www.michaelfinke.com/home.html Michael Finke on X — https://twitter.com/finkeonfinance Michael Finke on Facebook — https://www.facebook.com/mfinke The American College of Financial Services — https://www.theamericancollege.edu/ David Blanchett — https://www.davidmblanchett.com/ David Blanchett on X — https://twitter.com/davidmblanchett David Blanchett on LinkedIn — https://www.linkedin.com/in/david-blanchett-b0b0aa2/ PGIM DC Solutions — https://www.pgim.com/dc-solutions/ Wealth, Managed Podcast — https://www.theamericancollege.edu/knowledge-hub/wealth-managed-podcast Wade Pfau — https://retirementresearcher.com/wade-pfau/ Wade Pfau on LinkedIn — https://www.linkedin.com/in/wpfau/ Wade Pfau on X — https://twitter.com/WadePfau McLean Asset Management — https://www.mcleanam.com/ Retire With Style Podcast — https://risaprofile.com/retire-with-style/ Alliance for Lifetime Income — https://www.protectedincome.org/ Episode 89: Wade Pfau: Safety-First: A Sensible Approach to Retirement Income Planning — https://rationalreminder.ca/podcast/89 Episode 137: David Blanchett: Researching Retirement — https://rationalreminder.ca/podcast/137 Episode 254: David Blanchett: Regret Optimized Portfolios and Optimal Retirement Income — https://rationalreminder.ca/podcast/254 The Ramsey Show — https://www.youtube.com/@TheRamseyShowEpisodes The Ramsey Show: You Can't Win With Money if You Don't Know Where Your Money Is — https://www.youtube.com/watch?v=Xg4Z8EQY3Ao ‘Supernerds Unite Against Dave Ramsey's 8% Safe Withdrawal Rate Guidance' — https://www.thinkadvisor.com/2023/11/13/supernerds-unite-against-dave-ramseys-8-safe-withdrawal-rate-guidance/ RISA profiler — risaprofile.com/rationalreminder ‘Quasi-empirical bootstrap sampling paper' — Jason Fichtner — https://bipartisanpolicy.org/person/jason-j-fichtner/ ‘The Value of Delayed Social Security Claiming for Higher-Earning Women' — https://dx.doi.org/10.2139/ssrn.3849653 Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://twitter.com/RationalRemind Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.ca Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://www.pwlcapital.com/profile/cameron-passmore/ Cameron on X — https://twitter.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/

David talks to Jay Disberger, the caller on Dave Ramsey's viral 4% rule meltdown. They start the discussion by describing why the clip went viral and how people can get their questions answered live on the Dave Ramsey Show. Jay's motivation for the call: To get clarity on how best to withdraw your money in retirement and get Dave to take a stand on sustainable withdrawal in retirement.  Jay shares his journey to finance coaching and saving for retirement.  David and Jay discuss why George Kamel was right about the 4% withdrawal strategy and why Dave Ramsey's 8% withdrawal rate is misleading. Why Dave Ramsey is not a huge fan of the 4% rule or the people who preach it — He believes it's too low and unrealistic. You don't need to withdraw 4% of your savings for your nest egg to survive. According to Dave Ramsey, you're missing out on a big opportunity if you only withdraw 4% from an investment portfolio earning 12%. David and Jay agree that Dave Ramsey lives in a fantasy world where he thinks stratospheric distribution rates are sustainable in retirement. The biggest issue with an 8% withdrawal rate is that it doesn't account for market volatility. Just because you average 12% per year doesn't mean you're guaranteed 12% returns yearly. The only way to have a productive conversation with people who don't think they can be wrong is to ask them open-ended questions in the hope that they come to the conclusion themselves. According to David, we live in a world where anything you say that flies in the face of reason will be clipped and posted online.  Dave Ramsey does a great job of motivating people to get out of debt and get on the path of financial independence. The problem lies in his absurd retirement planning advice. The biggest problem with Dave Ramsey is that he's not very nimble when it comes to changing his thoughts according to new research and data. Jay and David agree that the 4% rule is not for everyone, but it's also not sustainable to follow the 8% rule.  Jay reveals what he would tell Dave Ramsey if he ever got the opportunity to talk to him again.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Jay Disberger on LinkedIn Jay Disberger at HopeFilledFinancial.com The HopeFilled Financial Podcast

Kevin + Steph have the honor of talking with a best-selling author and a co-host of The Dave Ramsey Show, Dr. John Delony.  Dr. John is a mental health expert and hosts his own show called The Dr. John Delony Show. Kevin + Steph drill him with their own personal questions including “Can husbands read... The post Episode 187: Dr. John Delony appeared first on Kevin + Steph.

Dave Ramsey is simply wrong about buying a house in 2023. While the Dave Ramsey Show offers a lot of great financial advice, there is one big flaw when it comes to Dave's 25% House Rule in that it's not practical for the majority of most first time home buyers. In this episode, we discuss Dave Ramsey's advice on becoming a homeowner, what you need to do in order to buy a house along where we agree/disagree to help you become The Educated HomeBuyer. ✅ - Want to get connected with us or to a local expert in your market, please reach out at http://www.theeducatedhomebuyer.com/expert Connect with me

In this shocking clip from the Dave Ramsey Show, Caleb reacts to a 29-year-old woman calling into the Ramsey Show about her and her husband's insane debt, leaving Dave stunned by their situation. Caleb responds to Dave's advice and highlights the good and bad of what Ramsey tells them. Original video - • I'm 29 Years Old ... The Financial Efficiency Quiz - https://bttr.ly/quiz Have Questions for me or BetterWealth? Give us a call! - https://bttr.ly/ytclarity

You're listening to the Hurdy Gurdy Travel Podcast. I'm your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! Referenced in this episode: Dave Ramsey Show clip: 'Why People Are Afraid to Let Go of Credit Cards' https://www.youtube.com/watch?v=VbYLgRrdE3A My 'Dave Ramsey Debunked' playlist: https://www.youtube.com/playlist?list=PL6yQHjlWn_4_oGuu-oqhXToGXFN_lUWDO – Thanks for listening, and stay tuned for future episodes. Visit HurdyGurdyTravel.com to contact me, find me on social media, read episode transcripts, and schedule a free consultation. Support the show through SubscribeStar, referral links, and buying from my eBay store! Find this show on many podcast platforms and YouTube, where you can find bonus videos. Supporting me on SubscribeStar will give you special perks including a custom podcast episode, questions answered by upcoming guests, and monthly private one-on-one conversations delving into more advanced topics I don't openly discuss at length in podcast episodes. Visit meetup.com/phillymilesandpoints to learn about Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. I hope to see you in person at a future event! Find a link in the show notes. Listen to my other podcast, the Stoic Solutions Podcast, found at StoicSolutionsPodcast.com. My podcast guests and I offer practical wisdom for everyday life inspired by the ancient tradition of Stoic Philosophy from Greece and Rome. Thanks for listening. Have a great day! —- Main website, including episode transcripts: https://hurdygurdytravelpodcast.com Referral links: https://hurdygurdytravel.com/donate-referral-links/ Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/ SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel eBay store: https://www.ebay.com/str/hurdygurdytravelllc SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast iTunes: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490 YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast Twitter: https://twitter.com/HGTravelPodcast Instagram: http://www.instagram.com/justinvacula Copy and paste the podcast RSS feed -- http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss -- to listen on your favorite podcast-playing platform!

As entrepreneurs and believers in the Lord, we sometimes feel like we're supposed to have it all figured out. When we don't, it feels like there's something wrong with us.What we don't realize is that it's the Lord leading us, and using these moments to help shape us into the people we were created to be.How do we simply let Him take the lead? In what ways does the Lord use these moments to sanctify us, and help us move to action?In this episode, founder of Hampton Strategies Bill Hampton joins us to discuss his journey, how the Lord works in miraculous ways and why it's simply best to let the Lord lead us.3 Things You'll LearnMake anything happen. We can make anything happen when we play to our strengths. Lifting up other people when they're down. What can lifting others up do for them, what impact can it have?What the Lord has created us to do. How can we recognize when we're fighting the Lord and not surrendering to his lead.Guest Bio & Links -With executive experience as a CEO, CMO, and Chief Business Development Officer, Bill has a track record of success and helping businesses grow. From 1999 to 2012, Bill was a leader in the Dave Ramsey organization where he served as the Executive Vice President and Chief Marketing Officer. In this role, Bill was responsible for leading the dynamic growth of the Broadcast, Marketing,Creative, Live Events, Publishing, and School Curriculum divisions. He helped grow the Dave Ramsey Show, which is the largest independently owned and operated talk show in the country, to a listenership of nearly 4.5 million on 500 affiliates — a feat most industry executives deemed impossible in the program's early days. Bill's goal has always been to learn continually and lead in a hands-on manner, which he honed as Founder and Principal Consultant of Hampton Strategies. This role taps into Bill's love for business and leadership experience to help driven executives clear their heads and tap into their true potential. Known for being driven, approachable, and a tad out of the ordinary, Bill sees his greatest asset as his word and its dependability. Having built his life on relationships, Bill measures success by the authenticity of his work. This philosophy has helped him to start and lead Spartan Strategies, the consultative executive search division of Spartan Capital Group.Visit https://hamptonstrategies.com/Find Bill on Instagram @thebillhampton Special thanks to our sponsor - Rachel Inman of the Mortgage Mommas. Learn more about her here - https://linktr.ee/mortgagemommas A HUGE thanks to our Patreon supporters as well. Click here to learn how you can support too! patreon.com/TheFaithfulAgentPodcast

Dave Ramsey's Legal Nightmare: Time Share Exit Team Class-Action Lawsuit Deep Dive with Melissa Hogan Dave Ramsey is facing a class action lawsuit from invested fans who trusted his endorsement of Timeshare Exit Team, a company accused of committing fraud. The case raises questions about what Ramsey knew or should have known, and whether he did due diligence before endorsing the company. This episode covers: The controversial partnership between Ramsey Solutions and Timeshare Exit Team. The legal implications surrounding the class-action lawsuit filed against Dave Ramsey. The importance of transparency and thorough evaluation in business interactions. The power of class-action lawsuits in promoting a responsible corporate culture. My special guest is Amy Fritz, Melissa Hogan Melissa Hogan is an accomplished lawyer with a career spanning over two decades. Her extensive experience has given her a deep understanding of the legal world, which she shares with listeners on the Untangled Faith podcast. Host Amy Fritz invites Melissa to discuss the recent class-action lawsuit against Dave Ramsey. Melissa simplifies the complex legal issues surrounding the case, helping listeners to better understand its implications. The key moments in this episode are: How the Lawsuit was Discovered Allegations Against Timeshare Exit Team Endorsed Local Provider Program Expectations for Ramsey's Response Class Action Lawsuit Timeline  Resources: Melissa Hogan's article on the Time Share Exit Team Class Action Lawsuit against Dave Ramsey and Ramsey Solutions. https://melissajhogan.medium.com/breaking-dave-ramsey-sued-by-former-fans-in-class-action-lawsuit-3b92d3cb60d8 Sign up here for a resource with easy access to Ramsey Solutions related lawsuit records, podcasts, articles, employee reviews. . . https://untangledfaithpodcast.aweb.page/p/7c5e76a1-f0a4-4310-a4ea-9a94144c2a97 Related Episodes: https://untangledfaithpodcast.com/2023/02/22/71-in-the-dark-spiritual-and-ethical-implications-of-ramsey-solutions-updated-employee-agreement/ https://untangledfaithpodcast.com/2022/07/20/48-former-ramsey-solutions-employees-reflect-on-their-experience-with-ramsey-meetings/ Support the show: Subscribe to my newsletter: https://untangledfaith.substack.com Join us on Patreon: https://patreon.com/untangledfaith This podcast is sponsored by Faithful Counseling. For more information and for 10% off your first month, visit Faithful Counseling- https://faithfulcounseling.com/untangled Where you can find me: Youtube channel- https://youtube.com/channel/UCPfFk-I6QShXXvEpSFaJOvg https://untangledfaithpodcast.com https://instagram.com/untangledfaith  https://instagram.com/amyhenningfritz https://twitter.com/faithuntangled https://twitter.com/amyfritz   Host/Creator: Amy Fritz Producers: Michele Pjanic Phil and Susan Perdue Pam Forsythe Chelle Taylor

This Flashback Friday is from episode 398 published last August 11, 2014.  Zac Bissonnette is the author of, "GOOD ADVICE FROM BAD PEOPLE: Selected Wisdom from Murderers, Stock Swindlers, and Lance Armstrong." He previously wrote, "How to Be Richer, Smarter, and Better-Looking Than Your Parents", and "Debt-Free U: How I Paid for an Outstanding College Education Without Loans, Scholarships, or Mooching off My Parents." Bissonnette discusses why car loans are for suckers and why leasing a car is a poor choice.  He then talks about the influence parents have on their kids' decisions relating to financial management and the correlation between spending and watching television.  Bissonnette finishes the discussion by analyzing some of the worst advice given in the modern day:  “When you know what you are talking about, others will follow you, because it's safe to follow you.” —Lehman Brothers CEO Richard Fuld, 2006 “Winning is about heart…. It's got to be in the right place.” – Lance Armstrong “The day you take complete responsibility for yourself, the day you stop making any excuse, that's the day you start to the top.” –O.J. Simpson, 1975 “I think the most important thing is restore a sense of idealism and end the cynicism.” –future Illinois Governor Rod Blagojevich, 2002 “The best chance for the average investor is to put money in an index fund.” – Bernie Madoff Zac Bissonnette is a personal finance writer. His first book, Debt-Free U, landed him on The Today Show, Sean Hannity, The Dave Ramsey Show, The 700 Club, and the Fox News Channel. The Washington Post called Debt-Free U "the best and most troubling book ever about the college admissions process." It has been featured by The BBC, The New York Times, The Huffington Post, Bloomberg, Christian Science Monitor, USA Today, The Suze Orman Show, The Boston Globe, ABC News, and many others. His second book "How to Be Richer, Smarter, and Better-Looking Than Your Parents" was a New York Times Bestseller. He was also the editor of the Warman's Guide to Antiques & Collectibles and he is a contributing editor with Antique Trader. He has written for various media outlets including GLAMOUR, The Wall Street Journal, The New York Times Online, The Boston Globe, and The Daily Beast. His is currently working on his next book, the story of the Beanie Babies bubble of the 1990s. Find out more about Zac Bissonnette at  www.zacbissonnette.net. Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

On today's episode, Austin sits down with Pastor, Author, Speaker, and Podcaster, Josiah Kennealy for a conversation about how relationships, resources, and rallying points are essential in impacting the Kingdom. About JosiahJosiah is a passionate pioneer for the next generation. He and his wife, Micah are both authors, pastors, podcasters, and speakers. Josiah finds a passion in financial freedom and wrote a book entitled Debtless: Helping Students Take on Less Debt. When he graduated from North Central University debt free in 2013. Dave Ramsey thought it was a great story to share, and interviewed him as a guest on the Dave Ramsey Show. He has served as a young adult pastor in the local church as well as a college pastor on a public university campus. The Kenealys also serve as the directors for Minnesota Young Adults - the Minnesota Assemblies of God's effort to reach the next generation of 18-30-year olds. They help churches pioneer new young adult ministries, gather a network of passionate ministry leaders, and host events. Additionally, they host the weekly youngadults.today podcast where they interview prominent minds in ministry leadership, generational research, authors, and practitioners in the field. Youngadults.today also has an annual conference at the Mall of America for leaders from across the nation. Josiah and Micah travel frequently and speak to thousands of young people every year encouraging them to live their lives for Christ and the things that matter most. The Kennealy's welcomed their first child in 2020, a daughter named Aurora. They make their home near Minneapolis, Minnesota. Follow Josiah www.josiahkennealy.com Facebook|JosiahKennealy Twitter|@JosiahKennealy Instagram|@JosiahKennealy YouTube|@JosiahKennealy Book: https://www.amazon.com/Equip-Saints-Josiah-Kennealy/dp/B0BW32R2NT/ref=sr_1_1?qid=1685641968&refinements=p_27%3AMicah+Kennealy&s=books&sr=1-1&text=Micah+Kennealy

Jake made it on the Dave Ramsey Show and he went to a concert with his friend Brad Ellis last night. Enjoy this episode featuring voice memo questions in person from Florida! Check out Carly Jean and use code GRKC for 20% off https://www.carlyjeanlosangeles.com/ Check out Main Street Roasters and use code GRKC at check out for a 10% discount! https://mainstreetroasters.com  Get a personalized video from us on Cameo: https://v.cameo.com/e/fvERn6rrysb  Ghostrunners merch: https://bit.ly/399MXFu  Become a Patron and get exclusive content from Jake & Brad: https://bit.ly/2XJ1h3y  Watch this episode on YouTube: https://bit.ly/3cQSPnw  Follow us on Instagram: http://bit.ly/33WAq4P  Leave us a voice memo and ask a question: https://anchor.fm/jake-triplett/message  Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you assumed that you have to choose between having a career in music and having control of your money? Have you given up your creative dream because of crushing financial stress and debt, and decided that you'll have to settle for a 'real job'? In our talk with entrepreneur and musician Sam Warshaw, you'll learn how to achieve fulfillment in your musical career AND have a solid financial future as a creative entrepreneur.Sam Warshaw is a Musical Director, award winning arranger and owner of Warshaw Entertainment. Over his 20 year career as a musician/band leader, he has recorded/performed for artists such as Natalie Cole, Jill Scott, Nick Carter, BB King, Victor Wooten and countless others. Today Warshaw Entertainment partners with 10 of the largest cruise brands in the world and has employed musicians, vocalists, bands and comedians from over 20 different countries..Having paid off a staggering $460,000 debt, Sam and his wife Jade have long been staunch advocates for debt-free living as taught by financial guru and legendary radio host Dave Ramsey, and Jade was recently hired as a Ramsey Show Personality. They now reside in Nashville where Sam continues to run Warshaw Entertainment while supporting his wife's rapidly expanding career as a co-host on the Dave Ramsey Show.Connect with Sam and Jade WarshawWarshaw EntertainmentSam Warshaw on Instagram Jade Warshaw on InstagramIf you liked this, you have to check out:Jade Warshaw's Interview on God and Gigs Free Resource for Artists Considering Going ProIf you are thinking about becoming a full-time artist, you've got to ask the right questions. So we've created a workbook to help you figure out what you need to know before making the leap. Go to GodandGigs.com/questions to get your free download of this powerful and practical resource, and take the next step toward your creative dreams! Support the showFIND YOUR NEXT 100 LOYAL SUPPORTERS! Learn how to find, keep, and "wow" your next 100 audience members, customers or fans in our workshop on May 7th, 2023! Sign up at godandgigs.com/next100STOP DOING CREATIVE LIFE ALONE!Want to become a highly motivated creative with complete confidence as an artist and entrepreneur - with a community of like-minded artists always backing you up? Then you need to be a part of God and Gigs 360 GOLD Join for 30 days FREE by clicking here! OTHER RESOURCES Learn about The 4 Questions you need to ask before going Full-Time in Arts and Entertainment Join our God and Gigs Facebook Group so you can watch more of our Facebook Live chats! HELP US HELP MORE CREATIVES Become a God and Gigs Monthly Partner! Tap HERE to pick an amount to support

We cover the amount you have to finance through a mortgage loan and the long-term commitment you're making to real estate can be overwhelming. Completing a mortgage payoff early could save you a bundle of money, not to mention years of not having a big payment hanging over your head each month, according to Dave Ramsey, financial guru, author and host of “The Dave Ramsey Show.” -Extra payments on your mortgage -Bring your lunch to work -Pretending to do this -Getting smaller -Planning when buying a home -Finding the right pro -The right down payment  

Megyn Kelly is joined by Charles C.W. Cooke, senior writer for National Review, the New York Times' Jeremy Peters, author of Insurgency, and Dave Ramsey, host of The Dave Ramsey Show, to talk about whether we need a State of the Union spectacle at all, Biden's lies in the speech, the spectacle of Marjorie Taylor Greene and others yelling "liar," focusing on cultural issues rather than the economy, lack of commentary from Biden on foreign policy issues like China and Ukraine, the reality of the job market, whether we're in a recession, the true state of the economy, the housing market President Biden's age as a campaign vulnerability, knives out for VP Kamala Harris, the bizarre kiss between Dr. Jill Biden and Kamala Harris' husband, the value of hard work, and more.More from Cooke: https://charlescwcooke.comPeters' book: https://www.penguinrandomhouse.com/books/586398/insurgency-by-jeremy-w-peters/More from Ramsey: https://www.ramseysolutions.com Follow The Megyn Kelly Show on all social platforms: YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at: https://www.devilmaycaremedia.com/megynkellyshow 

I am so honored to have Luke LeFevre join us for episode 86! I first heard Luke on the EntreLeadership Podcast back in 2020, and his work has been so impactful on my life. Luke has led many creative teams over the years and most recently served as the Chief Creative Officer for Ramsey Solutions. Luke led the branding, design and video teams that served all of Ramsey Solutions. He led and contributed to the creative efforts behind many of the company's best-selling and most popular media (The Dave Ramsey Show, The John Delony Show, The Rachel Cruze show, and more) and products (EveryDollar, Financial Peace University, Smart Money Smart Kids, Start, Love Your Life Not Theirs and countless others). Through over 20 years of experience working with creatives and business owners, Luke has seen time and time again that people have an internal pull inside of them towards...creating. Something that MUST be created. It could be a business, it could be the pull to become a mom, get married, adopt, write a book, start painting or millions of other things. These pulls have been in us since before we were born. The things we can't help but be. In our conversation, Luke shares how you can unlock this Pull and recognize that you are on a path and that following this path is not just necessary to live a fulfilled life, but it is Holy. Check out our website https://creativeimpactpodcast.com for the full show notes that include Luke's biography and additional links mentioned in this episode. You can be sure not to miss a Creative Impact conversation by subscribing through your favorite podcast app.  We are so grateful to have you as a part of the Creative Impact community and would love it if you would share the show with your friends!Support the show

On this episode, Dave and Joe take on the heavyweight of the financial world by looking at The Dave Ramsey Show's advice on savings for college and the FAFSA. 

How do you become truly successful? Rather than focusing on the material things, we believe true success and significance comes from strong, healthy relationships - in our marriages, our families and with trusted friends and mentors. Our guest on the podcast today, entrepreneur, coach and author Aaron Walker, is living proof of that truth. For 42 years Aaron has been a successful businessman and owner of fourteen lucrative businesses. He has been a personal friend and colleague of renowned financial expert Dave Ramsey for over 3 decades and was the first radio advertiser on The Dave Ramsey Show. Now as the founder of his mentoring organization View from the Top, he works with men and their families to help them achieve true significance - not only in business, but in faith and family as well. In this episode,  Aaron shares his powerful story with host Steve Alessi - from his  relationship with Dave Ramsey, to overcoming tragedy in his personal life, to building companies with this family and helping other families to enjoy the blessings of  faith in God and authentic relationships with others. If you enjoyed this episode, you'll definitely want to check out our bonus episode with entrepreneur Tim Schmoyer. Tap HERE to Listen and Watch JOIN THE FAMILY BUSINESS! Subscribe to the show Follow on Instagram and Facebook Leave a review! Have a question for the Alessis?Tap HERE and then the "Ask The Alessis" button to leave a message!

Think your finances don't have much of an impact on your career?  Well, we challenge you to rethink that.  When you're in debt your decisions often come down to what you NEED to do, rather than what you'd like to do.  Becoming debt-free gives you back your freedom in ways that you may not even fully be able to anticipate.  To help get you inspired to take action today, we've got Scott and Alyssa's Dave Ramsey Show official "debt-free scream" right here!  For tools and guidance on finding YOUR "why's", enroll in our FREE 8-day course at figureitout.co!

Roy Matlock Jr. is the chairman of Terra Wealth Management and the creator of the nationally syndicated radio show, "The Money Game", now known as "The Dave Ramsey Show”. Roy began his wealth management career over 38 years ago. His focus has always been to help people become financially secure and to educate clients on how to manage money in order to create generational wealth.  Over the past 38 years, Roy has helped his clients to accumulate over one billion dollars in assets and has been touted as a well-respected educator and trailblazer in the finance industry. Roy is also the owner of a financial technology business called Sales Team Pro®, and a digital marketing firm in Nashville, TN where he resides and where he continues to host his weekly radio show and podcast, “The Money and Business Hour”. www.roymatlockjr.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Tom Corley: How to Develop Rich Habits! In his five-year study of the rich and poor, Tom Corley identified over 300 daily habits that separated the “haves” from the “have nots.” He is a bestselling and award winning author. He has appeared in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, and is a frequent contributor to Business Insider and Credit.com. He is also a CPA, CFP and holds a Master's Degree in Taxation and heads a top financial firm in New Jersey. Like this Podcast? Get every episode delivered to you free!  Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!

972 Michael Hellickson sold real estate for over 20 years, listing and selling over 100 homes/month and at one point carrying over 750 active and pending listings. He began his real estate career in 1991 and was among the top 1% of all agents nationally before graduating from high school! At the pinnacle of his sales career, Michael and his team were #1 Nationwide, out of over 1,000,000 real estate agents/teams! In addition to posting big numbers in retail and REO, Michael is considered by most to be the world's foremost short sale expert. During his career, Hellickson has spoken to thousands of agents and organizations nationwide; he has been featured on several national television and radio programs, including Glenn Beck, CNBC, The Dave Ramsey Show, and The Fox Business Network. He is the founder and President of Club Wealth® Coaching and Consulting. Unique in the industry, EVERY Club Wealth® Coach has sold more real estate than the agents and/or brokers they coach. The only real estate coaching company that offers a “Double Your Income or Your Money Back” guarantee, Club Wealth® is the #1 coaching company for real estate teams in the world! Michael served a two-year mission for the Church of Jesus Christ of Latter Day Saints in Hamburg, Germany. He and his wife, Tara, and their two children, Austin and Madison, make their home in Bonney Lake, Washington, together with their two English Pointers, Ginger and Ruby. Connect with Michael at www.ClubWealth.com ________ Want your customers to talk about you to their friends and family? That's what we do! We get your customers to talk about you so that you get more referrals with video testimonials. Go to www.BusinessBros.biz to be a guest on the show or to find out more on how we can help you get more customers! #Businesspodcasts #smallbusinesspodcast #businessmarketingtips #businessgrowthtips #strategicthinking #businessmastery #successinbusiness #businesshacks #marketingstrategist #wealthcreators #businessstrategies #businesseducation #businesstools #businesspodcast #businessmodel #growthmarketing #businesshelp #businesssupport #salesfunnel #buildyourbusiness #podcastinglife #successgoals #wealthcreation #marketingcoach #smallbusinesstips #businessmarketing #marketingconsultant #entrepreneurtips #businessstrategy #growyourbusiness --- Support this podcast: https://anchor.fm/businessbrospod/support

NEXT LEVEL invites you to join us on the journey of the Mike (the practitioner) as Kristin (the QUEEN of coaching), & New York Times best seller author Michael Lennington (the philosopher) work together to triple Mike's real estate business. IN THIS EPISODE the ALPS crew talks to Bill Hampton. About Bill Hampton With executive experience as a CEO, CMO, and Chief Business Development Officer, Bill has a track record of success and helping businesses grow. From 1999 to 2012, Bill was a leader in the Dave Ramsey organization where he served as the Executive Vice President and Chief Marketing Officer. In this role, Bill was responsible for leading the dynamic growth of the Broadcast, Marketing, Creative, Live Events, Publishing, and School Curriculum divisions. He helped grow the Dave Ramsey Show, which is the largest independently owned and operated talk show in the country, to a listenership of nearly 4.5 million on 500 affiliates — a feat most industry executives deemed impossible in the program's early days. Bill's goal has always been to learn continually and lead in a hands-on manner, which he honed as Founder and Principal Consultant of Hampton Strategies. This role taps into Bill's love for business and leadership experience to help driven executives clear their heads and tap into their true potential. Known for being driven, approachable, and a tad out of the ordinary, Bill sees his greatest asset as his word and its dependability. Having built his life on relationships, Bill measures success by the authenticity of his work. This philosophy has helped him to start and lead Spartan Strategies, the consultative executive search division of Spartan Capital Group. Order your copy of Uncommon Accountability https://uncommonaccountability.com/ CONTACT US coach@alignedlifepro.com if you are interested in a keynote, 12 Week Year training, coaching, or a combination. We can customize a plan for you! https://linqapp.com/AlignedLifePro --- Send in a voice message: https://anchor.fm/alignedlifepro/message

Today on The Dough Roller Money Podcast we are talking with Tom Corley! Tom is the author of the best-selling book Rich Habits, is a frequent speaker and contributor to CNBC, and has shared his insights on over 1,000 radio shows including The Dave Ramsey Show, WABC, WCCO, KOA, KDKA, and KKOB. Tom is a CPA, CFP, holds a Master's Degree in Taxation, and is also President of Cerefice and Company, CPAs, one of the top financial firms in New Jersey. In this episode Tom shares how he stepped into the work of financial planning and tax work, helping others achieve financial independence. The also shares more about this book Rich Habits and his insight into cultivating the right habits and mindset to achieve success! If you want to learn how to start your Rich Habits journey, listen now!      Calls to Action:    Follow Dough Roller on Linkedin: https://www.linkedin.com/company/dough-roller/ Follow Dough Roller on Instagram: https://www.instagram.com/doughrollermoney/ Follow Dough Roller on Twitter: https://twitter.com/doughroller Check out the Dough Roller website and blog: https://www.doughroller.net/     Timestamps:   00:00 - Introduction to Tom Corley 01:00 - Tom explains how he originally got into the world of financial planning and tax work 07:08 - What some of the key habits that Tom has identified to becoming successful 13:30 - What Tom has identified as a common trait for becoming successful 23:43 - Tom shares about some of the bigger concerns people have when coming to Tom for financial advice 28:50 - Tom shares his insights into stock portfolios  33:29 - Tom and Rob talk about the struggle of financial planning 37:22 - Tom gives his advice and insight on annuities 39:09 - Where you can follow Tom and purchase his book Mentioned in the Episode:   Read Tom's Book: https://richhabits.net/  Connect with Tom on LinkedIn: https://www.linkedin.com/in/tomcorley/