Podcasts about Debt

Marine combat veteran, former Assistant Secretary of Defense, and military historian Bing West has spent six decades on battlefields from Vietnam to Afghanistan — and he's angry. In his new book, Cat 5: The 2033 War, West argues that America's leaders won every battle in three wars but lost every war, driven by what he calls the "Jupiter Complex" — the dangerous belief that America is so powerful it doesn't need to fight with full resolve. Now, he warns, that same hubris is converging with a crushing national debt and Xi Jinping's determination to seize Taiwan to create a Category 5 catastrophe by 2033. West joins Newt for a blunt, unsparing conversation about an emaciated military still buying legacy weapons, a debt spiral that leaves no room for defense spending, and what the next president must do to hold the line.See omnystudio.com/listener for privacy information.

Aug 14, 2026; 6pm;MS NOW's Ari Melber delivers a special report on the tech boom, deregulation and the MAGA allies reshaping AI and media. Melber draws from a New York Times investigation, “Larry Ellison Bet It All on the A.I. Boom. Will He Be the Face of an A.I. Bubble?” New York Times reporter Jim Rutenberg joined Melber later on “The Beat.” To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Unlock your mortgage approval by understanding how new 2026 student loan plans can strategically boost your buying power.Don't let student loans stop your homeownership dream. This episode reveals how lenders really evaluate student debt through your Debt-to-Income (DTI) ratio, not total balances. Discover the vital 2026 student loan repayment plan changes and how strategically optimizing your DTI can unlock significant mortgage qualification, even with substantial debt. Learn the critical steps to navigate new rules and make informed decisions that pave your way home."Student loans keep uninformed buyers from buying a home, but the buyers who get the new strategies for this new economy will be playing chess while everyone is playing checkers."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy isn't your total student loan balance the biggest concern for mortgage lenders?What is the Debt-to-Income (DTI) ratio, and why is it your most powerful tool for mortgage qualification?How do the new 2026 student loan repayment plans (like RAP and IBR) directly impact your homebuying potential?Which mortgage programs truly honor a "documented zero" student loan payment, and which will calculate a hidden monthly cost?Can a strategic move, like refinancing a high-payment car loan, be more effective for qualification than paying down student debt?What critical questions must you ask your lender to compare every student loan plan against every mortgage program?Why is ignoring the 90-day letter about new student loan plans a catastrophic mistake for your homeownership goals? Referenced Episodes & Resources503 – First Time Homebuyer Step #3: Credit Score504 – First Time Homebuyer Step #4: Debt Management460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

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The National Security Hour with Col. Mike and Dr. Mike – Trump and the Republicans appear to be headed toward the adoption of Keynesian, if not socialist, economic policies. The Republican Congress and Trump seem perfectly in step with Keynes' disastrous recipe for economic improvement: “spend, spend, spend.” On the socialist side, Trump is very active in buying equity in...

The National Security Hour with Col. Mike and Dr. Mike – Trump and the Republicans appear to be headed toward the adoption of Keynesian, if not socialist, economic policies. The Republican Congress and Trump seem perfectly in step with Keynes' disastrous recipe for economic improvement: “spend, spend, spend.” On the socialist side, Trump is very active in buying equity in...

It's 6am and we're giving you a REAL-TIME update on where the podcast, where our their lives are headed, and everything you didn't need to know but now you know lol. We're talking...the financial realities behind keeping the show going, our weekend highlights, why the podcast rebrand, and what Mac is naming her baby. This is just a chit chat that we hope you love! Thank you to today's sponsor! Hiya Health... our favorite vitamins + more to give our kiddos! Get 50% off your first order using our exclusive link! Pre-Order Our Book: This Wasn't The Plan Follow us on the Gram: @forthegirl___ Learn more about your ad choices. Visit megaphone.fm/adchoices

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy! Check out the full episode: https://greatness.lnk.to/1963DM October 2015. Jesse Cole walks into the stadium and the phone lines are cut. Internet cut. The old team took everything. Nothing left. He and his wife had already gone over a million dollars into debt to be standing there. Then it got worse. They sold two tickets in the first few months. January comes and the money runs out. Emily turns to him and says they have to sell the house. So they sold it. Emptied the savings. Went deeper in. Made every ticket $15, all-inclusive, no fees. First night they burned through 10,000 pieces of meat in an hour and fans waited three hours to eat. They kept going anyway. Jesse learned one word from Walt Disney that runs everything he does. Plussing. Never stop improving the show. So he photographed his own crowd every 30 minutes. And he found the thing nobody in baseball wanted to admit. At the two hour mark, fans start walking out. Every night. No matter what. That one discovery is where Banana Ball was born. Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hour 2 for 8/12/26 Drew and Brooke pray the Chaplet of Divine Mercy (1:00). Then, Daniel Kowalski the Director of the Grover M. Hermann Center for the Federal Budget at The Heritage Foundation joins Drew to discuss young people and debt (32:51), credit card payments (36:38), teaching children spending habits (44:45), and teaching budgeting (47:33). Link: https://www.heritage.org/staff/daniel-kowalski https://betterqualified.com/

Why is grace so hard for us to dispense or offer?

Opening Bible verse: Philippians 4:6-7 IF YOU ARE A NEW LISTENER, WELCOME! BEGIN HERE: This year we are doing my group coaching course together via this podcast! It's free and it only gets better as the year progresses.  In January we began with God at the center of our day and our home. We worked to build the habit of a morning prayer routine. I highly recommend the rosary. It's only about 20 minutes and you'll meditate on the whole life of Jesus. February is the month of decluttering. Saturday episodes have been added to focus on decluttering in the kitchen. Each month will have a different focus area and the Saturday episodes will help you focus on one small section of that room.  In March we decluttered your wardrobe. In April we are moving into budgeting for food. Our Saturday episodes will still be about decluttering. Our declutter focus area for April is your bedroom. In May we dreamed big! June brings us to one of the most useful topics in my group coaching course…meal planning. Ah, the feel of knowing exactly what's for dinner is the most stress-free feeling in the world! Our declutter focus area for June is Hallways/Landings. July is a much anticipated month of money/budgeting. Our Saturday episodes (otherwise known as the declutter episodes) will focus on decluttering TOYS! August is the month that brings it all together. Routines and Rhythms. Our declutter focus area for this month is your garage or shed. Give this first episode of 2026 a listen to hear where to begin: 316. Your 2026 Life Overhaul Plan: Faith, Clutter, Debt, Diet and More!  If you've never prayed a rosary or you want to see how you can incorporate it into active decluttering, here is the first episode of my rosary declutter series from last summer. 288. Summer Declutter Series Week Just getting started on your decluttering journey? Give this episode a listen before you begin: 322. Guidelines to Decluttering ***Are you so overwhelmed with clutter that you find yourself unable to make any decisions? Do you plan on decluttering only to find yourself standing in a room confused about where to start? Are you hoping motivation will strike and you'll get it all done in one weekend? If this sounds like you, let's work together. Book a one hour virtual coaching session via Zoom. Together we craft a decluttering plan and I walk you through the process. You'll complete much of the decluttering on your own time at your own pace. I just give you the roadmap and the accountability. Cost $77 per hour. Virtual Coaching Schedule   Not sure what you need? No problem! Book a complimentary 15 minute clarity call. We'll meet via Zoom and see if working with me would benefit you.  Email me at: tightshipmama@gmail.com to schedule a time.   Looking for community of like-minded women? Join the private Facebook community here: Facebook Group Prefer to receive a weekly email with the monthly freebie like a group rosary, group declutter, or budget Q&As?  Join my mailing list here: Monthly Newsletter   For any other inquiries or guest appearances, please email me at: tightshipmama@gmail.com    

I'm 30...let's dive in. EMAIL: Aliyahscorner101@gmail.comTIKTOK: ⁠⁠⁠⁠⁠⁠aliyahscorner_⁠⁠⁠⁠

In this episode of Billion Dollar Babie, Tara sits down with Jordan Cheyenne to break down the mindset shifts she believes helped take her from a broke single mom making $1,500 a month with $100,000 in debt to building a multimillion-dollar life. Jordan explains why your childhood programming around money may still be controlling your reality—and why simply working harder isn't always the answer. They dive into manifestation, abundance, the subconscious mind, limiting beliefs, hustle culture, feminine energy, detachment, and learning to embody the person you want to become before the external results arrive. Jordan also reveals how she trained her brain to believe her dream G-Wagon was already hers before eventually buying it. The conversation also explores why wealth triggers people, how family beliefs can unknowingly limit you, and why becoming successful may require becoming an entirely new version of yourself. Instagram https://www.instagram.com/billiondbabie https://www.instagram.com/taruhhh https://www.instagram.com/jordancheyenneofficial Tik Tok https://www.tiktok.com/@billiondbabie CHAPTERS: 0:00 Intro & The G-Wagon 0:56 The Mindset Behind Becoming a Multi-Millionaire 2:40 Learning to Receive Money & Abundance 5:45 Were You Programmed to Struggle With Money? 9:23 Why Hustle Culture Can Keep You Stuck 12:24 How Your Subconscious Creates Your Reality 15:55 What If You've Lost Belief in Yourself? 19:52 Breaking Your Family's Generational Money Beliefs 22:50 Why Wealth Triggers So Many People 27:18 Becoming a Completely New Version of Yourself 28:15 What Happens When You Outgrow Your Dream Life? 29:23 From $100K in Debt to Her Dream Life 32:43 The Law of Detachment & Why Chasing Repels Success 36:00 Comparison, Social Media & Feeling “Behind” 38:31 What Does Being Truly Wealthy Actually Mean? 41:00 Why You Need to Celebrate Your Wins 42:02 Rest, Play & Escaping Hustle Culture 44:00 Become the Million-Dollar Version of Yourself Now 45:24 How Jordan Manifested Her Dream G-Wagon 46:29 Dating a Billionaire's Son Changed Tara's Money Mindset 48:54 How to Reach Your Next Financial Level 50:34 What Would the $10 Million Version of You Do? 52:04 Why Successful People Stay Teachable 54:44 Growth Requires Getting Uncomfortable 56:51 When Old Wounds Come Back at Your Next Level 58:06 Your Biggest Transformation Is on the Other Side of Fear 59:15 Outgrowing Family, Beliefs & Learning Compassion 1:03:24 Jordan's Event & Where to Find Her #JordanCheyenne #BillionDollarBabie #TaraElectra #Manifestation #MoneyMindset #Abundance Learn more about your ad choices. Visit megaphone.fm/adchoices

Senior housing investing is drawing capital as demographics tighten the supply of beds. Rod Khleif hosts Lifetime Cashflow Through Real Estate Investing, and his coaching students own more than 305,000 multifamily units. He joins Alternative Investing Advantage host Alex Perny to explain why he has moved part of his focus into assisted living and memory care.Key Points:- Roughly 10,000 people a day turn 80 in this country, and Rod says construction is running at about 4 percent of projected need. The gap is the thesis.- Distressed multifamily is trading below replacement cost. Operators who bought in 2021 through 2023 on adjustable or bridge debt now face maturities they cannot refinance or sell into.- Debt service coverage is the constraint lenders care about. With sales down sharply and rates elevated, many owners are caught between refinancing they cannot qualify for and a sale they do not want.- Assisted living underwrites differently than apartments. Payroll, food, and management costs scale with resident count and level of care, which makes the pro forma more complex than a unit-based model.- The operator determines the outcome. Rod does the real estate and partners on care, and he screens for track record, complaint history, systems, and staff culture.Chapters:00:00 Introduction: senior housing and commercial real estate01:09 How Rod Khleif got into real estate and what 2008 taught him04:57 Why multifamily is in distress right now07:50 Finding distressed deals and raising capital11:37 Debt service coverage and the lending environment14:20 The demographic case for assisted living18:00 Independent living, assisted living, and memory care22:31 How to evaluate a senior housing property26:57 Vetting operators and common mistakes31:19 Where operational failures create opportunity33:56 How to connect with Rod KhleifSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com.Learn more about our guest, Rod Khleif: https://rodkhleif.com/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#SeniorHousing #CommercialRealEstate #AssistedLiving

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If you've ever lost everything (a business, a marriage, your sense of who you are) this conversation is proof that the collapse isn't the end of your story. Rick Trimmer walks through the exact math he and his wife used to climb out of $640,000 in debt: the thousand-day stretch with no pay, the decade of living on a thousand dollars a month, and the brutal conversations he had with himself and his wife about what they actually wanted. If you're in the hole right now, or you're scared of ever being in it, this is the blueprint for how a man digs out without excuses and without quitting on his family. But this isn't just a comeback story; it's a lesson in delayed gratification and what winning the game really looks like. We'll cover how to build passive income, take advantage of opportunities that scare you, and chose freedom over the appearance of success. If you're tired of chasing a lifestyle you can't afford, or you're ready to start building something that actually lasts, this conversation gives you the mindset and the moves to get there. SHOW HIGHLIGHTS 00:00 - Episode Introduction 03:05 - Introduction to Rick Trimmer and Real Business Owners 05:08 - What Sets Entrepreneurs Apart: IQ, Drive, and Delusion 07:10 - Overcoming Weaknesses and the Power of Mentorship 09:12 - Leaving Corporate Life and Betting on Yourself 11:23 - The Reality of Financial Risk and Losing It All 13:32 - Repaying $640k Debt and Working 1,000 Days Straight 17:01 - Sacrifice, Top Ramen, and Building a Foundation 23:08 - Living on $1,000 a Month to Buy Freedom 29:05 - Getting Started in Real Estate and Finding Mentors 37:49 - Creative Financing and Acquiring Rental Properties 43:30 - Hitting the Passive Income Goal and Traveling the World 49:19 - Why Financial Freedom and Time with Family is Worth the Grind 54:57 - Consumerism vs. Real Wealth 01:00:55 - The Men's Forge and the Power of Live Events 01:04:29 - Saying "Yes" to New Opportunities 01:08:36 - Where to Connect with Rick Trimmer   Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Discover compliant methods for removing negative marks from your credit report and learn how to use balance transfers and 0% interest business credit to eliminate high-interest debt efficiently.

Most people are told to attack their debt in the "smartest" order — highest interest rate first. It's the math-correct move. So why do so many people who follow that exact advice quit before they ever get debt-free?In this episode, Anthony breaks down the real story of a couple juggling five debts — from a $400 medical bill all the way up to a $13,000 student loan — and what happened when they tried the "correct" method versus what actually got them results. Backed by a 2012 study of over 6,000 real households, this episode settles the debt snowball vs. debt avalanche debate for good, and explains why momentum — not math — is what actually gets people out of debt.IN THIS EPISODE, YOU'LL LEARN:- Why attacking your highest-interest debt first can actually cause you to quit- What a study of 6,000+ households found about who actually becomes debt-free- Why paying off a small debt fast can matter more than saving the most money- The exact order to list and attack your debts (no interest-rate math required)If you're tired of starting debt payoff plans and quitting in the middle, this episode will change how you think about where to start. And if you're ready for a full step-by-step plan, Anthony's new book, Stop Living Paycheck to Paycheck, walks you through the complete 5-phase debt-free roadmap — available now at https://www.anthonyoneal.com/book.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

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Richard McGirr is the co-founder of Property Llama and Property Llama Capital, an income focused fund of funds sponsor that helps accredited investors turn underperforming real estate equity into passively managed, cash flowing investments. He also hosts Unlimited Capital on the Best Ever CRE network, where he covers capital raising, fund operations, and the business of building investment platforms. A lifelong entrepreneur, Richard started his first company in college and later spent eight years in China building a software engineering services firm to more than 85 employees. Wanting assets that worked for him instead of headcount, he moved into single family rentals and eventually partnered with Chris Lopez to launch Property Llama. Today his firm invests exclusively in debt funds, using a fund of funds structure to convert idle equity into contractual monthly income. Richard McGirr joins John to explain why so many long-term single family landlords are sitting on millions in equity while earning almost nothing in cash flow. Using data from roughly 6,000 rentals inside the Property Llama platform, where the average return is negative 1% cash on cash, Richard breaks down how a decade of appreciation and debt paydown quietly eroded return on equity. From there, the conversation turns to debt funds. Richard explains how hard money lending to flippers works, why six month loan terms and LTV cushions change the risk profile, and where the real danger sits. He also walks through the fund of funds structure behind Property Llama Capital, the fee discount he negotiated by committing scale, and the operational audit he runs on any lender before placing a dollar with them.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways  Re-underwrite your rentals at today's values, not your purchase price  Track return on equity, not just cash flow, as debt gets paid down  Debt funds pay contractual cash flow from day one, backed by an LTV cushion  Shorter loan terms shrink the window for things to go wrong  Fraud, not default, is the risk that wipes out lenders  Diversify across a loan pool instead of funding one deal at a time     Topics From Software Founder to Real Estate Investor  Built a software engineering services firm in China to over 85 employees  Left a headcount driven business in search of cash flowing assets  Partnered with Chris Lopez by adding value to an already established operator Why the Average Single Family Rental Returns Negative 1%  Roughly 6,000 rentals in the Property Llama system average negative 1% cash on cash  Rents are flat or falling while insurance, vacancy, and CapEx climb  Richard's own Colorado Springs rent fell about 30% after a supply wave The Return on Equity Problem  The education industry teaches investors how to buy, not how to reassess what they own  A property bought at a 7 cap can become a 3.5 cap when values outpace rents  80% LTV becomes 20% LTV, and returns slide from the high teens into single digits The Equity Rich, Income Poor Landlord  Typical client holds 3 to 8 rentals with several million in equity near retirement  Most target $10,000 to $20,000 a month and sit closer to $3,000  Cash out refinances no longer close the gap at current rates Debt Funds 101  A pool of performing loans secured by title on real property  Hard money lenders fund flippers who need high LTV and five day closings  Fully loaded returns run 15% to 18% including origination Why Hard Money Risk Is Structurally Lower  Six month terms limit what can go wrong versus a ten year horizon  A 25% LTV cushion rarely erodes inside six months  Single family homes are the easiest real estate asset to liquidate Fund Investing vs. Lending on Your Own  Private lending demands underwriting, fast closings, draw management, and workouts  A single Denver flip loan can require $1.3 million of capital  $100,000 into a fund buys a slice of 50 loans instead of one Lending Is a Real Operating Business  Lenders run origination, marketing, servicing, and accounting departments  On a 50 loan book, roughly 8% pays off every month and must be replaced  Richard's largest lender partner employs 40 people Building the Fund of Funds Model  Property Llama Capital launched asset light and headcount light by design  Raising capital for another sponsor's deal without a license is a serious violation  Committing $5 million earned a 30% fee discount, split evenly with LPs How Richard Audits a Lender  Request written credit box, servicing, and draw processes  Sample 20% of the loan tape and match a document to every step  Verify title at the county and confirm payoff wires in the bank account    

Is your fatigue the kind sleep doesn't touch, the kind that shows up right alongside stubborn weight loss resistance, bloating, and brain fog you can't explain? If you're doing everything right and your body still feels like it's working against you, this one is going to land. I sat down with Bria Gadd, the Period Whisperer, to talk about something I see constantly in my practice and almost never hear discussed online. Most women in perimenopause are not dealing with an ovary problem. They're carrying what Bria calls health debt, and it shows up as low energy, digestive issues, night sweats, and a metabolism that suddenly stopped cooperating. Her own wake-up call came at 37. Fifteen pounds gained without changing a thing. Gut issues and skin problems she'd never had. Then labs that came back completely normal. Fitness and nutrition were her career, so she knew calories and muscle. What she didn't know was how chronic stress, cortisol, gut health, and the adrenal and thyroid connection quietly drain the tank long before your sex hormones ever get the memo. We get into why hormone balance in midlife is rarely a hormone problem first, why so many women start DIM or hormone replacement without knowing their actual estrogen levels, and why pushing harder when you're already depleted is like putting groceries on a credit card you can't pay off. What You'll Discover Inside Why roughly 80% of Bria's clients under 47 don't have an ovarian issue at all, and the four systems she checks before she ever looks at estrogen or progesterone The reason her clients release weight in the first month after eating more and training less Four everyday signals that tell you whether your body has the capacity to build muscle and burn fat right now, or whether you're borrowing energy you don't have The most underrated energy source in midlife, and it isn't sleep, protein, or magnesium Her five steps for getting out of health debt, including the one everyone wants to start with that has to come last Why This Episode Matters Perimenopause has become the label for every symptom, and that's part of the problem, because cortisol, thyroid, gut health, blood sugar, and inflammation all shape how this transition actually feels. Your fatigue, bloating, brain fog, and stubborn weight are whispers before they become screams, so press play, then pick one thing and start where you are. Where to find Bria Gadd: Website: https://www.briatheperiodwhisperer.com/ Facebook: https://www.facebook.com/BriaThePeriodWhisperer WOMEN'S FUNCTIONAL HEALTH COACH CERTIFICATION PROGRAM- IS OPEN! If some part of you has been quietly wondering whether this could be your path, come find out. Learn more at: womensfunctionalhealth.org Browse the course catalog: https://go.megmill.com/wfhicoursecatalog Schedule a call with me: https://go.megmill.com/wfhicoursecatalog Women deserve more, and you can be the one to make real change, starting with your own life. Let's connect on Instagram for daily health tips at @drmegmill.

See what the team at The Successful Bookkeeper has on right now → Nancy Benet, CPA, fractional CFO, and founder of Fix It Accounting, joins Michael Palmer for a conversation that is equal parts hard-won life lessons and practical bookkeeping wisdom. If you work with small business owners — or you are one — this episode will give you a sharper eye for the financial warning signs that show up long before a crisis does. Chapters [00:00] Nancy's Origin Story Begins [02:28] Five Failed Businesses, $650K in Debt [06:08] Robbing Business Cash Flow [08:40] Opening Up and Taking Responsibility [12:28] Hiring Before You're Ready [15:30] Hidden Costs of a New Hire [18:00] Building the Firm From Scratch [22:00] Advisory Work and a $600K Win [24:30] Finding Clients Today [27:00] Using AI With Clients From Rock Bottom to Running a Firm Nancy's path to accounting was anything but straight. After leaving a CPA firm, failing at five businesses with her husband, and waking up at 45 with four children, no income, and $650,000 in debt, she had no obvious next step. What she did have was her CPA license and a willingness to start over. She landed a lease on a building the day before her intended business deal fell apart, and instead of walking away, she decided to fill that space herself. "I think that was probably the moment in my life when I stopped being a victim and I started taking responsibility," she says. That shift — from blame to ownership — gave her the confidence to hustle her way to a real client base. The Hidden Cost of Robbing Business Cash One of the most common mistakes Nancy sees — and lived herself — is pulling cash out of the business too early to fund a lifestyle the business hasn't earned yet. Big houses, expensive vehicles, family payroll that isn't justified by revenue: the money leaks out gradually and owners are often blindsided. Her advice is direct: keep three to six months of business expenses in the bank at all times, and live below your means in the early years. "That is what leads to problems later on," she says. "You just don't realize." Fix the Systems Before You Hire When clients come to Nancy wanting to add staff, her first question is whether they've made their existing operation as efficient as possible. Hiring looks like growth, but without the cash or the systems to support it, it just accelerates the leak. She walks clients through the full cost picture — not just salary, but holiday pay, absenteeism, the time spent fixing errors, and a training curve that can stretch a full year even for experienced hires. "A lot of newer businesses are not efficient at all," she says. "How can we address your systems first before you go into hiring, especially if you can't afford it?" When Clients Won't Listen — and What to Do Bookkeepers and accountants often see red flags that clients aren't ready to act on. Nancy is candid about the limits of what advisors can control: you can raise the concern, frame it carefully, and ask if they're open to a conversation, but you can't force a decision. What you can do is stay consistent and keep the door open. The clients who are willing to be guided, she finds, are also the ones most likely to grow — and to ask for the deeper advisory work that makes the relationship genuinely valuable. Building Advisory Services and Using AI Nancy started offering CFO-style work after a quick conversation with a client helped him decide to buy two pieces of equipment instead of paying off a loan — a choice that increased his net income by $600,000 the following year. That moment convinced her the advisory layer was worth building intentionally. On the technology front, her firm now uses a private AI instance to compare monthly financials year-over-year, then distills the output down to three bullet points for clients. "The client can't comprehend" a long analysis, she notes, so keeping it tight opens the door to a deeper conversation rather than closing it. Links mentioned Fix It Accounting — Nancy Benet's CPA and fractional CFO firm CareerSource — free hiring and skills-testing resource for business owners (search your state's local CareerSource office) Pure Bookkeeping — episode sponsor The Successful Bookkeeper — show resources and guest information About the guest Nancy Benet is a CPA, fractional CFO, and the founder of Fix It Accounting, based in Florida. She built her firm from the ground up after overcoming significant personal and financial setbacks, starting with IRS problem resolution and growing into a full-service accounting, bookkeeping, and business advisory practice. Nancy works with small business owners to help them understand their numbers, make smarter financial decisions, and build businesses that actually support the life they want. About the hostMichael PalmerMichael Palmer is the host of The Successful Bookkeeper podcast and co-founder of Pure Bookkeeping and The Successful Bookkeeper. He started this work because of his father — a brilliant electrical contractor who worked twice as hard as he should have had to, because nobody on the financial side was in his corner. That gap is what The Successful Bookkeeper exists to close. His view: bookkeepers are the most undervalued force in small business — and every bookkeeper who builds a real business changes two families: theirs, and their clients'.

He slept on the floor of a radio station he couldn't afford to staff, got told by the local coffee shop crowd he'd be out of business in six months, and ran that station for 45 years.Before he was a U.S. Congressman, Steve Womack was a Startup Junkie: a broadcaster's son who talked his way into a shoestring AM station in Rogers, Arkansas, and built it into an institution. In this episode, he sits down with Daniel Koontz, Jeff Amerine, and Caleb Talley to trace the throughline from that station to the Rogers mayor's office to Congress, and the entrepreneurial instincts that never really left him along the way.⏱️CHAPTERS0:27 – Welcome, Congressman Steve Womack1:06 – His "Marvel Origin Story"4:13 – Building a Radio Station From Scratch8:37 – Proving the Skeptics Wrong11:07 – Lessons From Football, the Army & "Make Your Bed"17:18 – Underwriting "Errors of Enthusiasm" as a Leader23:09 – The Vision Behind Rogers' West Side25:04 – "You're Not Thinking Big Enough": The Pinnacle Promenade Story27:16 – Northwest Arkansas' Growth Challenges32:06 – The Walmart Origin Story (and What Comes After It)38:21 – The Case for a Skilled Trades Campus41:27 – Government, Debt & a Coming Social Security Reckoning47:40 – Advice for Entrepreneurs and His Younger Self54:17 – A Tribute to Lt. Jason Hunt---

LEARN MORE about NDX: ⁠⁠https://www.nasdaq.com/nasdaq-100-options-xnd-ndx?utm_medium=Podcast&utm_source=RiskReversal⁠ SUBSCRIBE to our newsletter: http://riskreversal.substack.com/ Dan Nathan & Guy Adami break down the top market headlines and bring you stock market trade ideas for Tuesday, August 11th. -- Learn more about FactSet: https://www.factset.com/lp/mrkt-callFollow us on Twitter @MRKTCallFollow @GuyAdami on TwitterFollow @CarterBWorth on TwitterFollow us on Instagram @RiskReversalMediaLike us on Facebook @RiskReversalWatch all of our videos on YouTube Learn more about your ad choices. Visit megaphone.fm/adchoices

What really drives bull and bear markets? Lance Roberts & Jon Penn examine why corporate earnings remain one of the most important forces behind market performance. Rising profits can support bull markets, while significant earnings declines have historically accompanied the most severe bear markets. We also examine calls for "sound money" and a return to the gold standard. While concerns over debt, deficits, inflation, and dollar debasement are legitimate, a gold-backed dollar could have significant consequences for credit, economic growth, and investors. The key is separating economic concerns from the fundamental forces actually driving markets. 0:00 INTRO 1:01 - CPI Preview & Economic Numbers 4:51 - Markets Break Out to All-new Highs 10:15 - Birthday's & Beach Trips 12:13 - Emails to Lance - Back to Gold? 15:28 - Why We Invest 17:46 - Short-run Price Uncertainty 20:26 - The US as Reserve Currency of the World 21:30 - Real GDP vs Debt 24:38 - The Gold Standard Trap 25:53 - Gold's Role in Your Portfolio 29:26 - Earnings & Valuations - What to Pay Attention To? 31:57 - Markets are Constantly Pricing-in Earnings Expectations 33:17 - Earnings & Multiplier Performance History 34:56 - How We Rebalanced - Black Rock vs Goldman 36:16 - When Earnings Fall (chart) 39:05 - Credit Spread - The Differential Between Yields 43:02 - AI Credit Spreads are a Small Part of Market Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Market Highs Come With a Warning" https://youtu.be/3RiOabBiud4 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/c9cOlFVLGoU ------- Articles mentioned in this report: "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Sound Money: Be Careful What You Wish For" https://realinvestmentadvice.com/resources/blog/sound-money-be-careful-what-you-wish-for/ "Earnings Drive Both Bull & Bear Markets" https://realinvestmentadvice.com/resources/blog/earnings-drive-both-bull-bear-markets/ "Leveraged ETFs: Math Often Trumps Hype" -------- Watch our previous show, "Internet Scams You Need to Know - The Ari Schwartz Interview https://youtube.com/live/Azt1_vs16bA?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #MarketRisk #Volatility #Earnings #Gold #MarketOutlook

TURF NERDS SOCIAL MEDIA LINKS: https://linktr.ee/turfnerdspod Evan's Walker's: https://amzn.to/4wTxZ0O Use code TURFNERDS for 5% off orders $600 and up at Magna-Matic! Use code NERDS to save 10% on Spencer Products! Meet Jake Meisner, a.k.a. "Striped Daddy",  of Jake's Lawn Care in Waterford, Michigan. Jake breaks down how he grew a business from cutting neighbors' yards through high school and college into a full crew running mowing, landscaping, plant installs, mulch, and snow removal. He shares his approach to debt vs. cash growth, how he taught himself plant knowledge from nursery pros, his real mulch pricing ($175–$195/yard), and why staying proactive with clients,  not just mowing and leaving, builds long-term trust. Plus: faith, family, and the story behind the "Striped Daddy" nickname.   Tap Here for Turf Nerds Merch!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Look! We Have A Website!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Green Frog Web Design⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and tell them the Turf Nerds sent you. Or Greg will scalp your lawn! Use promo code TURFNERDS for 50% off Equip Expo 2026 registration! Shoot us an email! Evan@TurfNerdsPod.com ⁠⁠Instagram⁠⁠ ⁠⁠Facebook⁠⁠ ⁠⁠TikTok⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube: ⁠⁠⁠https://www.youtube.com/@TurfNerdsPodcast?sub_confirmation=1⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#LawnCare #LawnMaintenance #Mowing #MowingGrass #LawnCareBusiness #Toro #ToroMultiforce #CubCadet #BibleStudy #Bible #Christian #Business #Entrepreneurship #Comedy #2024 #Marketing #Advertising #TipsAndTricks #Tips #Success #Yakta #YaktaMowers #YaktaOutdoor #Spring #SpringRush #FYP #Mower #NewMower #UsedMower #RouteDensity #EquipExpo #EquipExpo2024 #Echo #Stihl #RedMax #Shindaiwa #StringTrimmer #WeedWhip #GreenFrogWebDesign #WebDesign #EzraMcCarthy #Aerator #Aeration #ZAerate #Bobcat #BobcatMowers #Husqvarna #HusqvarnaGroup #HYGREENTOOL #GOMOW #ThunderLightingSupply #ChristmasLights #Christmas #Trump #DonaldTrump #PresidentTrump #ElectionDay #EZDumper #DumpInsert #StempkyNursery #Mulch #MulchInstallation #TurfNerds #Newsmax #NewsmaxTV #CarlHigbie #CharlieKirk

You know that moment in the shower when something crosses your mind and you want it, but you have no idea how you would ever get there? Maybe it is a house, a baby, a retirement that looks a certain way, or a business you have been thinking about building. And before that thought even gets a chance to breathe, your brain shows up with a list of reasons it is not possible for you right now. You have debt. You do not make enough. That is not realistic for someone in your situation. And just like that, the desire disappears before you ever gave it a real moment to exist.In this episode I want to talk about what I call your impossible money goal, the desire that feels whimsical or fleeting or maybe even a little embarrassing to say out loud because you do not have any proof yet that it is actually possible. And the first thing I want to offer you is this: you do not need proof that something is possible before you are allowed to want it. The person who is becoming debt-free and the person who is moving toward her dream are not two different people on two different timelines. They are the same person doing both at the same time.This episode is a continuation of last week and it is about giving you practical tools to move from catching that desire to actually building space for it in your real life. I am walking you through a journaling exercise that helps you name the goal, identify what you would have to believe about yourself to actually pursue it, and take one concrete action this week that starts putting things in motion before you have the full plan figured out.In this episode you'll learn...[00:04:30] What an impossible money goal is, why it tends to show up as a fleeting thought that gets shut down almost immediately, and why giving that desire permission to exist a little longer is the first and most important step toward actually achieving it[00:09:15] Why you do not have to wait to be debt-free to start moving toward something you want, and what it actually looks like when paying off debt and pursuing a dream are happening at the same time instead of waiting in line behind each other[00:14:40] The belief question that creates possibility when you feel frozen by the size of your debt or the timeline of your dream, and how answering it honestly starts moving you from avoidance into curiosity and then into action[00:19:20] Why journaling is one of the most powerful tools for making an impossible money goal real, and how writing down a desire before you have any proof it is possible is exactly how you create the version of yourself who eventually accomplishes it[00:23:45] The four part exercise to close the episode with, naming the desire, answering the belief question, visualizing the version of you who is already doing it, and identifying one action you can take this week to start building space for what you actually wantTune in to this episode of Money Files to learn how to give your impossible money goal the space it needs to become real so you can stop shutting down your dreams before they ever get started and start building toward the life you actually want while you are still paying off debt.Get full show notes and the episode transcript: https://wealthovernow.com/what-to-do-when-you-have-debt-and-a-dream/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

You do not have to wait until 65 to actually use your money. There is a version of retirement you can take at 35, at 40, at 45, and Andrew breaks down exactly what it costs, who should not do it, and the step-by-step plan to fund one without derailing your future. 

Learn how five Smart Money listeners changed their money situations after talking with us about tackling job loss, debt, FIRE, and life moves. What really happens after the episode ends? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola check back in with five listeners who came on the show to find out whether the financial moves they made actually paid off. Bri navigated an unexpected job loss and a serious health crisis at the same time. Did a bare-bones budget, a marketplace health plan, and relentless determination hold everything together over 15 months of uncertainty? And what happened when Ellie and her husband actually followed through on their FIRE plan, retired at 44, and moved the whole family to Spain — only to find their passive income took an unplanned hit? Then: Paolo had $3 million saved at 48 and still couldn't bring himself to slow down — could a financial advisor, modeling multiple retirement scenarios, give him the confidence to finally let his money coast? David's cross-country move didn't go quite as planned, leaving him to navigate buying a home in one of the country's priciest markets while managing a long-distance rental. And Delius, who came to the show carrying $100,000 in credit card debt and a Vegas rental property, faced the question of whether selling would feel like freedom — or like giving up a lifeline. Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

✏️ Short Description Profit and cash flow are not the same thing. Learn why your business can be profitable on paper but still have no money in the bank, and what you can do to fix it.

In this week's episode of High on Home Grown, we take a look at some of the biggest cannabis stories from the UK and around the world, covering crime, medical research, changing regulations and the risks surrounding cannabis edibles. Macky: Teen guilty of murdering Joshua Ingram over '£25 cannabis debt' – East Sussex | British Transport Police  Smee: British woman who smuggled £512,000 worth of cannabis from Thailand posted about ‘grass' before arrest | The Independent  Billy:   Medical cannabis compound alleviates nightmares associated with PTSD  John: New York legalizes cannabis sales at farmers' markets, pop-up events  Margaret: Police issue warning about dangers of cannabis edibles after man stopped on M1 This week we discuss the tragic consequences that can surround the illegal cannabis market, from a murder reportedly linked to a tiny £25 debt to a huge international smuggling operation. We also look at some more positive developments, including promising research into cannabis compounds and PTSD, and New York's decision to allow licensed cannabis businesses to sell at farmers' markets and pop-up events. Finally, we examine another warning about cannabis edibles and driving, discussing why edible cannabis can be particularly unpredictable and why understanding delayed effects is so important. Another packed episode of cannabis news from across the UK, America and beyond.

What happens when folklore becomes too terrible to be fiction? Can you listen past the performance and find the true forensic history?Welcome back to Stories Fables Ghostly Tales. In tonight's interactive special, the Tale Teller presents an impossible challenge: "Three Waters, Dark Tides: Two Myths, One Truth."We have gathered three haunting accounts of Japan's relationship with the dark, cold element of water. One is a factual, historical tragedy; the other two are timeless legends. Your mission is to determine which of these deep, dark tides actually swept across our reality. Do not let the mythology fool you. Lock in your guess internally. Story 1: The Riverman's Debt. We travel to the muddy riverbanks of the Edo period to meet the Kappa, the bizarre, polite river imp possessing a lethal obsession with the human shiridama. Story 2: The Bailing Phantoms. We step onto a 1930s fishing trawler in the open ocean to face the Funayūrei, ghost ships manned by the victims of maritime tragedy, draped in white funeral shrouds, demanding empty dippers to flood passing vessels. Story 3: The Saint of Shinjuku. We travel to the crumbling ruins of post-war Tokyo to confront the terrifying modern legend of the sanatorium run by "Sensei," also known as "The Saint," who was whispered to perform a chilling "mercy ritual" in the nursery known as "Cold Storage." Keep your tea hot, keep your porch lights burning against the rising fog, and remember... sometimes the Saint is just a monster with a good alibi. Until next time... pleasant dreams... if you can sleep at all.Did you guess the story...correctly? I am your Tale Teller...Have a wonderful night...

Send us Fan MailMegan is a New Bern elementary PE teacher who is "Dave-ish" when it comes to Mr. Ramsey's plan. Their family uses the Every Dollar app, and keeps track of every dollar that comes in. The dollars that Megan brings in is where it gets interesting. A NC Unicorn with masters and nationally board pay, Megan also drives the school bus, making an extra 10k+ each school year. In addition, she runs summer camps for her local parks and rec. She even helped one of her kids get a gig helping a local catering business. Guess what? Megan decided to get on board, too! Through all the extra hard work and debt payoff, she made a commitment that when she had kids, she would always take a two week vacation with them each year. Even though she could have been debt free by now, she is balancing travel, family, extra work and the debt. Be a guest on the show:https://www.financiallyindependentteachers.com/contact-8Check out our website:https://www.financiallyindependentteachers.com/Sign up for FIT coaching:https://www.financiallyindependentteachers.com/services-4

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Investments in—and among—artificial intelligence companies have pushed the S&P 500 to record highs. It's also introduced a volatility to the markets that may be unprecedented. Is this growing pains or the wobble before the fall? Guest: Ed Elson, co-host of the Prof G Markets and First Time Founders podcasts.Want more What Next TBD? Subscribe to Slate Plus to access ad-free listening to the whole What Next family and across all your favorite Slate podcasts. Subscribe today on Apple Podcasts by clicking “Try Free” at the top of our show page. Sign up now at slate.com/whatnextplus to get access wherever you listen.Podcast production by Rob Gunther, Evan Campbell, Madeline Thames-Ducharme and Patrick Fort.Paige Osburn is the senior supervising producer of What Next and What Next TBD. Hosted on Acast. See acast.com/privacy for more information.

Investments in—and among—artificial intelligence companies have pushed the S&P 500 to record highs. It's also introduced a volatility to the markets that may be unprecedented. Is this growing pains or the wobble before the fall? Guest: Ed Elson, co-host of the Prof G Markets and First Time Founders podcasts.Want more What Next TBD? Subscribe to Slate Plus to access ad-free listening to the whole What Next family and across all your favorite Slate podcasts. Subscribe today on Apple Podcasts by clicking “Try Free” at the top of our show page. Sign up now at slate.com/whatnextplus to get access wherever you listen.Podcast production by Rob Gunther, Evan Campbell, Madeline Thames-Ducharme and Patrick Fort.Paige Osburn is the senior supervising producer of What Next and What Next TBD. Hosted on Acast. See acast.com/privacy for more information.

The AI Arms Race: Is the US Lead Over China Already Gone?A provocative new op-ed argues the United States has all but lost its AI advantage over China, just as hyperscalers are posting massive earnings from AI infrastructure spending. We examine what this competitive shift means for technology investors and long-term US economic leadership.Today's Stocks & Topics: Digital Realty Trust, Inc. (DLR), Market Wrap, AppLovin Corporation (APP), The Yen, Company's Debt, The AI Arms Race: Is the US Lead Over China Already Gone?, Taiwan Semiconductor Manufacturing Company Limited (TSM), Sterling Infrastructure, Inc. (STRL), The Travelers Companies, Inc. (TRV).Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands