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Do you want a tried and tested roadmap to take the guesswork out of growing your business? In this episode, Ramsey Solutions Founder and CEO Dave Ramsey shares the proven system that guarantees to help you grow your business faster and with fewer missteps. YOU WILL LEARN:· The 5 stages of business growth.· Strategies to prepare for disruptions and market changes.· How to build a legacy and implement succession planning. MENTIONED IN THIS EPISODE: “Build a Business You Love,” by Dave Ramsey www.ramseysolutions.com NOTEWORTHY QUOTES FROM THIS EPISODE: “A clear path through anything that's formerly unknown gives people hope and energy and keeps them from getting paralysis of the analysis.” – Dave Ramsey “There's 100% probability the market's going to be disrupted. So, you've got only three choices: cause the disruption, ride the wave of the disruption, or get crushed by it.” – Dave Ramsey “If you stand in the middle of the interstate, you will get hit by a truck. You need to be moving.” – Dave Ramsey “You better plan for succession, because it's coming.” – Dave Ramsey “The biggest joy is in serving.” – Dave Ramseyitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.
In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway tackles a popular question: Is a 401k better than a pension? Drawing insights from financial expert Dave Ramsey, A.B. delves into the differences between 401k plans and pensions, highlighting the pros and cons of both. From control over investments to portability, A.B. emphasizes the importance of taking charge of your financial future.Key Takeaways:401k Plans Provide Control and Portability: Unlike pensions, 401k plans give you control over your investments and allow you to roll your funds into an IRA if you change jobs.Pensions Come with Risks: Pensions can leave workers vulnerable, as companies may cut or dissolve plans unexpectedly, leaving employees without their expected retirement benefits.You Are Responsible for Your Retirement: The 401k reflects a DIY approach to retirement savings, underscoring the need for personal responsibility and planning for long-term financial security.Memorable Quotes:“The 401k has made more millionaires than pensions ever did.” — Dave Ramsey“You are responsible for your retirement... It's your responsibility to save for your future.” — A.B. Ridgeway“There's only one person in charge of your success. He's in your mirror.” — Dave RamseyResources Mentioned:Download the free eBook: 4 Pillars to Christian InvestingLearn more about IRA rollovers and 401k management at A.B. Ridgeway's websiteTake control of your financial future by understanding the benefits of a 401k and ensuring your retirement plan is on track. Reach out to A.B. Ridgeway for personalized financial advice, or download the eBook today!
In this episode of Financial Advisors Say The Darndest Things, host A.B. Ridgeway tackles a popular question: Is a 401k better than a pension? Drawing insights from financial expert Dave Ramsey, A.B. delves into the differences between 401k plans and pensions, highlighting the pros and cons of both. From control over investments to portability, A.B. emphasizes the importance of taking charge of your financial future.Key Takeaways:401k Plans Provide Control and Portability: Unlike pensions, 401k plans give you control over your investments and allow you to roll your funds into an IRA if you change jobs.Pensions Come with Risks: Pensions can leave workers vulnerable, as companies may cut or dissolve plans unexpectedly, leaving employees without their expected retirement benefits.You Are Responsible for Your Retirement: The 401k reflects a DIY approach to retirement savings, underscoring the need for personal responsibility and planning for long-term financial security.Memorable Quotes:“The 401k has made more millionaires than pensions ever did.” — Dave Ramsey“You are responsible for your retirement... It's your responsibility to save for your future.” — A.B. Ridgeway“There's only one person in charge of your success. He's in your mirror.” — Dave RamseyResources Mentioned:Download the free eBook: 4 Pillars to Christian InvestingLearn more about IRA rollovers and 401k management at A.B. Ridgeway's websiteTake control of your financial future by understanding the benefits of a 401k and ensuring your retirement plan is on track. Reach out to A.B. Ridgeway for personalized financial advice, or download the eBook today!
Dave Ramsey has been helping people to take control of money, build wealth and enhance their lives for over three decades. In this episode, Brian interviews the bestselling author and host of The Ramsey Show about his new book, “Baby Steps Millionaires.” Dave shares why, despite a pessimistic cultural narrative, anyone can become a millionaire if they take the right steps. YOU WILL LEARN:· The reason he felt compelled to write the book.· The steps to take to become a millionaire.· The investments he personally recommends. MENTIONED IN THIS EPISODE: “Baby Steps Millionaires,” by Dave Ramsey INSPIRATIONAL QUOTES FROM THIS EPISODE: “If you help enough people, you don't have to worry about money.” – Dave Ramsey “I started out because I want to get people out of debt so that they can become wealthy, so that they can change their family tree, so that they can be outrageously generous.” – Dave Ramsey “If you're driven by one of two things you're going to make mistakes: greed or fear.” – Dave Ramsey “You don't get a pass on math based on where you live; you still have to be able to afford the payment.” – Dave Ramsey “Get in the housing game but do it with wisdom and do it with a pace that makes sense. Calm down.” – Dave Ramsey “This existential crisis that is happening in people's spirits is causing a whole bunch of folks in America, regardless of their age, to do some really dumb things that's going to cost them and set them back a decade.” – Dave Ramsey Hosted on Acast. See acast.com/privacy for more information.
Welcome to Episode 49 of The Perfectionist's Guide to Mothering! Before we dive into today's interview, I have some announcements: 1. I have a new digital magazine, Restore. You can subscribe here. 2. Get your tickets to Restore: Soul Care for Moms in Arizona on Tuesday, June 21st Now, on to today's conversation: Today I'm talking with Jaclyn Weidner. Jaclyn is the self-proclaimed former president of the Hot Mess Mom's Club. After God pulled her out of a pit of anxiety and depression she has been on a mission to help other overwhelmed moms thrive! She lives just outside of Vancouver Canada with her husband Brendan and their 3 talkative girls. She hosts the Ready to Thrive Podcast and is the author of Tangled: A Soul Care Revival Guide. She loves creating content that helps women experience transformation in her life and she started the Ready to Thrive school where she hosts e-courses for women to get the tools they need to thrive. Some of the resources we mention include: Jaclyn's Instagram post about Mother's Day Jaclyn's Course: Mama Get Your Life Back. Use coupon code MAMA50 for 50% off! Waymaker by Ann Voskmap* Baby Steps Millionaires by Dave Ramsey* You can connect with Jaclyn via: Her website: jaclynweidner.com Instagram: @jaclyn.weidner Her Mama Get Your Life Back course: Use coupon code MAMA50 for 50% off! *Affiliate Link --- Support this podcast: https://anchor.fm/andreafortenberry/support
Dave Ramsey has been helping people to take control of money, build wealth and enhance their lives for over three decades. In this episode, Brian interviews the bestselling author and host of The Ramsey Show about his new book, “Baby Steps Millionaires.” Dave shares why, despite a pessimistic cultural narrative, anyone can become a millionaire if they take the right steps. YOU WILL LEARN:· The reason he felt compelled to write the book.· The steps to take to become a millionaire.· The investments he personally recommends. MENTIONED IN THIS EPISODE:Ramsey Solutionshttps://www.ramseysolutions.com/ “The Total Money Makeover,” by Dave Ramseyhttps://www.ramseysolutions.com/store/books/the-total-money-makeover-by-dave-ramsey?int_cmpgn=no_campaign&int_dept=store_bu&int_lctn=Homepage-Products-Products-3&int_fmt=text&int_dscpn=Store_Carousel_the-total-money-makeover-by-dave-ramsey “Baby Steps Millionaires,” by Dave Ramseyhttps://www.ramseysolutions.com/store/books/baby-steps-millionaires-by-dave-ramsey?int_cmpgn=Baby_Steps_Millionaires_Launch&int_dept=pub_bu&int_lctn=Homepage-Top_Skinny_Banner&int_fmt=text&int_dscpn=HP_Top_Skinny_Banner_BSMPreorderEndsSoon_010622&campaign_id=&lead_source=Other INSPIRATIONAL QUOTES FROM THIS EPISODE: “If you help enough people, you don't have to worry about money.” – Dave Ramsey “I started out because I want to get people out of debt so that they can become wealthy, so that they can change their family tree, so that they can be outrageously generous.” – Dave Ramsey “If you're driven by one of two things you're going to make mistakes: greed or fear.” – Dave Ramsey “You don't get a pass on math based on where you live; you still have to be able to afford the payment.” – Dave Ramsey “Get in the housing game but do it with wisdom and do it with a pace that makes sense. Calm down.” – Dave Ramsey “This existential crisis that is happening in people's spirits is causing a whole bunch of folks in America, regardless of their age, to do some really dumb things that's going to cost them and set them back a decade.” – Dave Ramsey See acast.com/privacy for privacy and opt-out information.
I find that one of the most important things that we can do in our life to increase liberty is to be financially free. That doesn't mean you have to make $1 million a year. And, in fact, I want to start off by talking about how to be financially free while in high school. This is going to be another multi part series talking about how to start off in the right place financially to set yourself up for success later. This isn't a Dave Ramsey video on how to get back on track, but a lesson from someone who started off right on how they did it. So, today we'll talk about how you (or a someone you know) can get their adult life started on the right financial foot. -Dave Ramsey"You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school." Here is what a high schooler can do to get started: Start earning money (and start saving it too) Put most of your savings in a mutual fund, and some in a bank savings account Find ways to build credit (without risking a lot of debt) Assess the right college or alternative path for you (both practically and financially) Join the Conversation Subscribe to our email list for our Recommended Reading, reviews on books and other content that can grow your store of knowledge. New products will be coming soon, exclusively for subscribers. If you would like to join me in the Conversation of Our Generation, follow me on Twitter @ConOfOurGen, Facebook Conversation of Our Generation Facebook Page and SteemIt @jamell Also, you can find me on YouTube Conversation of Our Generation YouTube Channel. I am just trying to join the Conversation of Our Generation. Let's get the dialogue going with comments, shares, questions- just say something! --- Send in a voice message: https://anchor.fm/conofourgen/message Support this podcast: https://anchor.fm/conofourgen/support
Lightbulb Moment: Business Breakthroughs and Personal Discoveries with Becky Mollenkamp
Becky Mollenkamp believes women deserve to feel powerful and fulfilled. As a certified business mindset coach, she helps her clients dream and play bigger, while also finding contentment in the here and now. Learn more about Becky at beckymollenkamp.com. Website | Instagram | 365 Journaling Prompts for Business Success (free download) In this episode... After accumulating more than $75,000 in student loans and having a yearly salary of only $30,000, Keina Newell knew she had to figure out how to make things work. That’s why, at age 22, she began having “money dates” to move beyond the feelings of anxiety and overwhelm. She took time each week to better understand where her money was going—and get clear about how she wanted to use her money—and it helped her get out of debt and buy her first home before age 30. Now, as a financial coach, Keina helps her clients take the stress out of personal finances, and money dates are a key part of her work. More nuggets from this episode: How money dates are like a relationship (7:12) The invaluable wisdom Keina’s mom gave her about savings (9:31) How Keina discovered her purpose (11:31) The four-part framework of money dates (12:18) Keina Newell works with passionate and hard working single women who need help creating clear financial goals so they can save more, get out of debt, and stress less about money. Her favorite thing about working with clients 1:1 is hearing them breathe sighs of relief once they realize all of the things they can do with their money after working with her to build out an individualized system that supports them experiencing life differently. Website | Instagram | Financial Habit Tracker RESOURCES “Atomic Habits” by James Clear “Profit First” by Mike Michalowicz “The Total Money Makeover” by Dave Ramsey “You’re a Badass at Making Money” by Jen Sincero Becky’s Money Mindset Challenge
Bryan and Shannon Miles, Co-CEOs of BELAY, know a thing or two about maximizing productivity. In fact, they’ve built an entire business around it by helping overworked business owners find amazing virtual assistants, bookkeepers and web specialists. On this episode, Bryan and Shannon explain how getting out of the way and delegating results, not tasks, has helped them become more efficient than ever. Also joining us is StoryBrand Founder Donald Miller, who has a lot to say about building a business from the ground up and dealing with naysayers. entreleadership.com/podcast Links mentioned in this episode: BELAY website Video recording tool: Loom Download a free chapter from Virtual Culture StoryBrand website A Million Miles in a Thousand Years Building a StoryBrand The Presidential Task Force for Fatherhood and Healthy Families Related episodes: #305: Dave Ramsey—You’re Doing Delegation Wrong #247: Bryan and Shannon Miles—Virtual Culture Want expert help with your business question? Call 844-944-1070 and leave a message or send an email to podcast@entreleadership.com. You could be featured on a future podcast episode!
Business and life coach Aaron Walker returns to the show to talk about living a life of significance, and his new book View From Top. Introduction: Hey everyone and welcome to the All-Star Leader Podcast, where together we learn about leadership from the best and brightest, and keep it fun by connecting it to our passion for sports! I'm your host Daniel Hare, and today we are once again joined by a returning guest who has recently authored a book! You'll remember Aaron Walker from episode 11 of the podcast, and I encourage if you didn't catch that episode to pause this one, go back and listen to episode 11, and then come back to this conversation. We're going to skip through much of the typical intro/bio since we all know Aaron and get right into his new book, View From The Top: Living a life of significance. This is Aaron Walker. Aaron welcome back to the show! Interview Questions: Tell us how you've been what's new in your world. Grueling exercise and a lot of time; 38 years of entrepreneurship to build the stories that are in the book 10% writing and 90% marketing is a truism! Lots of interviews and marketing/promotions; purpose is to help people learn how to live a life of significance. Let's get right into this. On page 10 you say something I think is critical: “I knew that in order to be good at any one thing, it takes total commitment and a sense of devotion, and I was willing to do that.” Can you speak to the importance of that statement in relation to how some of us might get distracted by different/new things, or just try to do too many different things at one time? Important (Greg McKowen “Essentialism” – inch deep/mile wide…should be an inch wide and mile deep) not to have so many things going on that we can't be good at any one thing. “The One Thing” another great book on this. Following up on that, you recently ended one of your coaching programs, The Community, much for the reasons we're discussing here. Could you take our audience into how focusing on certain things necessarily means excluding (perhaps even profitable/good) others? Two years ago began “The Community” as a lower price point for people to interact with him and his coaching programs But realized he was devoting a huge amount of time in the community, while figuring out his strength was in facilitating mastermind groups After months of prayer and evaluation, he decided to stop the community and devote entirely to the masterminds. Though it was profitable and enjoyable, the Community had to go. (Daniel – encouragement for people to taking that hard step of eliminating things): money won't keep you in the game; passion might get you started but won't last either; you need purpose. Two buildings side by side with a board across; for $10 you wouldn't do it; to save your child, you would. That's the purpose we need. So evaluate where you're spending your time and determine if it's your purpose. If you're not doing anything that fulfills your purpose, try something else! You talk in chapter two of the book about delayed gratification; can you share some thoughts on that subject? Aaron and his wife Robin both came from poor/humble beginnings As he got started, he gave up 2/3rds of the business in order to get it going since they didn't have any money – was willing to give up that much to get it started They committed to live on a very modest salary while building the company up, and putting all the profits back into the business. That resulted in him paying off a ten year loan in 36 months, and buying out his financial partners, leaving him with a paid-for business. Did the same thing again with another store…kept adding stores and doing the same things. This led to a Fortune 500 company wanting to buy his company The problem today is we want it now and aren't willing to be patient. We shouldn't compare our beginning to our parents' middle, or our middle to our parents' end. Live like no one else today, so tomorrow you can live like no one else – Dave Ramsey You retired from your first business at the age of 27. For the leaders in our audience, who are scattered among a number of industries from business to education, the ministry and more, what are one or two keys you can share about how you created that type of success in such a relatively short amount of time. Started business at 18 (no college) But even graduated high school early by going to summer school and night school You've got to have the grit, the perseverance and the determination to get whatever it is you wanted Delayed gratification in other areas (e.g. sports) – wanted to work more than he wanted to be an athlete. What is it for you that you want bad enough to give up other things? Got rid of all naysayers from his circle Recent study that the most common trait of multi-millionaires is grit You have to develop a mindset of I can do this – “can't couldn't do it and can did it all.” Failure is in not trying, not in not succeeding Growth mindset as Carol Dweck talks about in “Mindset.” (Daniel – how do you pass on this mindset to others?) – you can't impose something on someone that doesn't want it. You can't force it. You can lead by example and show people the way, but ultimately they have to want it. Model it and look for the people taking it, and then pour your energy into those people. In chapter four (Breaking Free), you talk about seeking balance in your life, which is certainly a popular topic right now. Specifically, you say “Embrace the tension; it's never going away completely.” What do you mean by embracing the tension? There's no such thing as work/life balance We have to prioritize our priorities For Aaron: 1) believer/Christ follower; 2) Robin; 3) daughters; 4) grandchildren; 5) business Don't come home with a pocket full of money and a house full of strangers Regardless of how much money you have, there will always be tension. In the same chapter you tell the story about first meeting Dave Ramsey, how you came to be in a mastermind group with him, and the impact that group has had on you over the years. There is so much there and I encourage people to get the book and read all of it, but share with us what you consider to be the critical point about surrounding yourself with the right people. Met Dave in 1995 at a Nashville Chamber of Commerce Luncheon with 25 people in attendance. Dave had yet to launch his first show, but talked Aaron into advertising on it After three days of a trial period, it was clear the investment would pay off 21 straight years as a sponsor of the show Dave then invited him to be in a mastermind group, which Aaron had never heard of It was uncomfortable at first, but he fell in love with it; having his own board of directors. This group went on for 12 years until Aaron retired. Now Aaron facilitates a number of mastermind groups. The enemy to excellence is isolation; if you want your life to go to the next level, you need to surround yourself with the right people. At the beginning of Chapter Eight you tell the story of one of your mastermind members James Ryle calling you out on something. Share anything about that you want, but I'd like for you to challenge our audience to have someone in their life who could do what James did for you. Aaron was in a dark spot at this point in his life; each week he would share in the mastermind how he couldn't get out of the rut Weekends were generally off limits, but one Saturday his phone rang and it was James. James said God gave him a word for Aaron, and it was that he was worrying the hell out of everyone in the group. He said the group is getting sick and tired of you coming into He then quoted Isaiah 52:2 – Shake off your dust; rise up, sit enthroned, Jerusalem. Free yourself from the chains on your neck, Daughter Zion, now a captive. Then he hung up. Aaron was mad at first; but then realized James loved him enough to tell him the truth. That moment changed his life; it was time to move on. If you don't have people in your life willing to do that, how are you going to face the troubles of this world? We already said you retired once at 27. Then you built another successful business before retiring a second time. And what I found fascinating was reading your thought process behind jumping into your third business, construction, which you had zero experience in. Walk us through that decision, and why you believe you were able to succeed in a brand new business, and what you learned about yourself that ultimately led to you retiring for a third time (from Chapter Ten – Choose Wisely)? After a major car accident that sidelined him for about five years, Aaron befriended the guy building their house. The builder was a master craftsman, but didn't have any business experience. So Aaron proposed that they partner up and take advantage of both their strengths. Took the company to #1 for six consecutive years But it was all a mistake; there was no purpose in mind and no passion. It became a drudgery toward the end. And it was things that were just part of the industry that you couldn't change. Robin knew he had quit when he came home at 3pm one day. Don't let your life get to that point where you're not excited/happy to get up and go to work. He loves how now he impacts others through his business. (Daniel – for more about the car accident check out Episode 11) You say that we should “always be in a state of personal assessment.” What does that look like for you and how can we implement that in our own lives? After retiring from the construction business he was planning to stop working. Dan Miller told him he needed to coach, and it made him rethink his plan. He went to Entreleadership Master Series (gift from Dave) and wound up with a couple of entrepreneurs to coach. The rest is history. He got the boat out of the harbor, where it's much easier to move it. If you're stuck or not clear about the path forward, get moving! Much easier to adapt once moving. You are a man of faith, and the book is filled with scriptures which speak to the lessons and topics you write about. Can you talk about how your relationship with Jesus has impacted your life and business over the years? Accepted Christ at 9 years old after growing up in Christian home Got a little off track early in business and caring only about himself and stuff But after going through struggles and then ultimately the car accident, radically transformed his mindset from taker to giver, humbling himself and trying to life not a successful life but a life of significance. Faith is priority: number one. Can't separate business and faith. Don't force anything on people, but be genuine to who you are and what you stand for. Where can people go to connect with you and find out more about the book? All major bookstores and viewfromthetop.com/book; Email aaron@viewfromthetop.com @vftcoach on Twitter viewfromthetop.com for all contact/resources and mastermind groups Thank Yous/Acknowledgements: Antioch Live/Clear Day Media Group – music More here. Jonathan Davis – production Clint Musslewhite – voice over
"Money is an opportunity to reach unity in marriage. When couples work together they can do anything." —Dave Ramsey You have probably heard the quote, "You should never talk about money, politics or religion." Now, this might be true if you are at a dinner party and yet... You are taking this stance when it comes to money in your marriage. There is no connection, discussion, or even a conversation about your money. If you are honest with yourselves there is no plan for your money. Without a plan or even conversations about money matters you feel stressed, have anxiety and live in a place of fear. No matter if you are: Newlyweds. New parents. Buying a house. In a job transition. College planning. Looking at retirement. Having to deal with medical needs. Your money matters and needs the two of you to have a plan for it. Right now you may be in crisis and need an immediate plan. Let's get started now so you can experience financial freedom. Maybe you are ready to go to the next level, now is the time for you to be thinking about those advisors and planners that you need to have in your life Hopefully you are doing great and are thinking about what's next? It's time to discuss how can we be a blessing to others with what we have received. At each level being intentional is a game changer. In this week’s show Tony and Alisa talk about the power that financial intimacy has to bring strength and unity to your marriage. Your money matters impact each area of intimacy. EPISODE SPONSOR | 7 Days of Sex Challenge Bundle Sometimes it can be hard to think of what to get your love... chocolates, lingerie, a night out. Each of these are great choices and yet what about something truly unique this year? What about something that extends Valentine’s Day beyond one day? Get the 7 Days of Sex Challenge Bundle NOW! Other Resources: Download The Intimacy Wheel Now Oils and Intimacy Facebook Group Financial Peace University Our Family Emergency List Strategic Coaching Session with Alisa Support ONE Extraordinary Marriage by shopping at Amazon.com. Leave a review on iTunes | Submit a question | Call (858)876-5663 Learn more about your ad choices. Visit megaphone.fm/adchoices
(I'm on Spring Break this week, so I'm posting an episode of Stacking Benjamins which featured my advice on how to invest to be Dave Ramsey. -Joshua) How do you become Dave Ramsey? You invest a certain way…and it isn’t the way Dave Ramsey tells you to invest. We welcome Joshua Sheats to the show from Radical Personal Finance to talk about becoming wealthy. What does it take? What does that mean for concepts like diversification, risk and insurance planning? We’ll cover all of those. Of course, to honor Joshua, we have a LONG episode today, packed full of fun. In the headlines we’ll tackle the reason executives DON’T hire people (it’s not what you think). We’ll handle a great call about changing investments on the Quotacy hotline, and tackle more on Roth IRAs, diversification and the movie the Big Short. Whew! But that’s not all. We have more headlines, trivia and the big “so what” like the cherry on top of the show at the end of the episode. https://www.stackingbenjamins.com/investing-become-dave-ramsey-joshua-sheats/