Podcasts about Debt

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠ Jade Warshaw and George Kamel answer your questions and discuss: "Is it normal to be in debt to your spouse?" "How much can I spend in retirement?" "How can I get my husband to open up about his finances?" "My 52-year-old daughter is making our home a living nightmare. How do we kick her out?" "We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet". Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠ Rachel Cruze and Dr. John Delony answer your questions and discuss: "My husband refuses to get a job, I'm worried he is going to ruin us financially" "I'm $350,000 in debt, should I file for bankruptcy?" "Should I finish Baby Step 2 before buying my home?" "Am I wrong to ask my daughter to pay rent and contribute to grocery costs?" "Should we sell our double-wide?" "We don't have anything saved for retirement, where do we start?" "My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?" "Our contractor keeps missing deadlines for our home addition. Should we fire him?" Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

Megyn Kelly opens the show by discussing the feds arresting two alleged agitators in connection with the anti-ICE protest in a St. Paul church, the background of the women arrested, the charges they are facing, the chances of Don Lemon facing a similar fate, and more. Then Allie Beth Stuckey, host of "Relatable," joins to talk about the arrest of BLM activist Nekima Armstrong in connection with the St. Paul church protest, Don Lemon's role in the incident, what trouble he could find himself in legally, Megyn's bizarre encounter with a hostile man at the grocery store, how it connects with the disturbing mindset of the anti-ICE church protesters, why the incident should be a wake up call for Christians, and more. Plus, Rob Henderson, senior fellow of the Manhattan Institute, joins to discuss Minnesota Gov. Tim Walz encouraging anti-ICE protestors while standing outside his mansion, New York City Mayor Zohran Mamdani telling "The View" he supports abolishing ICE. Then MK True Crime host Phil Holloway joins to discuss a magistrate judge rejecting the effort by the Department of Justice to bring charges against Don Lemon for his involvement in the Minneapolis church protests, Mayor Jacob Frey's silence on the protests altogether until calling for Nekima Armstrong to be released, and more. Stuckey- https://x.com/conservmillenHenderson- https://www.robkhenderson.com/Subscribe to MK True Crime:Apple: https://podcasts.apple.com/us/podcast/mk-true-crime/id1829831499Spotify: https://open.spotify.com/show/4o80I2RSC2NvY51TIaKkJWYouTube: https://www.youtube.com/@MKTrueCrime?sub_confirmation=1Social: http://mktruecrime.com ARMRA: go to https://tryarmra.com/MEGYN to get 30% off your first subscription orderDone with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you!Paleovalley: Visit https://Paleovalley.com and use code MEGYN at checkout to get 20% off your first orderMelania: Go behind the scenes of power and precision—watch MELANIA, only in theaters January 30; get your tickets today!  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 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pascal Wagner interviews Tony Davidow to unpack how institutional investors are thinking about private markets heading into 2026. Tony explains why recent headlines around private credit defaults are often misunderstood, breaking down the difference between CLOs, direct lending, and commercial real estate debt—and why he sees CRE debt, asset-based finance, and secondaries as early-cycle opportunities. The discussion dives into illiquidity as a feature (not a flaw), how institutions size long-term “patient capital,” and why diversified private market funds often outperform single-deal investing over time. Tony also shares his highest-conviction themes for 2026, including secondaries, industrial and multifamily real estate, and infrastructure tied to reshoring, digitization, and demographic shifts. Tony DavidowCurrent role: President, Alternatives, Franklin TempletonBased in: United StatesSay hi to them at: https://www.franklintempleton.com/ | LinkedIn Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

One billion dollars. That's what today's guest built — after being rejected on Shark Tank, nearly going bankrupt multiple times, and spending millions before making a single sale. In this video, Jamie Siminoff, founder of Ring, breaks down the real story behind building one of the most successful hardware startups of all time and selling it to Amazon for over $1B. What you'll learn in this video: • How to validate and pre-sell a hardware product before manufacturing • The real cost of R&D when building a physical product business • How Shark Tank rejection can accelerate growth, not kill it • Why domain names matter more than founders realise • How Ring survived massive supplier debt and cash pressure • The risks of scaling too fast and hiring ahead of systems • How constraint and pressure forced breakthrough growth • What founders get wrong about raising capital vs bootstrapping By the end of this video, you'll understand what it truly takes to build a billion-dollar hardware or eCommerce company — and how to avoid the mistakes that silently kill most physical product startups. If you're serious about building something real, durable, and valuable, this episode will change how you think about product, money, and scale. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠⁠ to get started. HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠⁠ CONNECT WITH NATHAN CHAN Instagram → ⁠⁠⁠⁠⁠https://www.instagram.com/nathanchan⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠https://www.linkedin.com/in/nathanhchan/⁠⁠⁠⁠⁠ CONNECT WITH JAMIE Website → https://ring.com/ LinkedIn → https://www.linkedin.com/in/jamie-siminoff-aaa44238a/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠⁠ Website → ⁠⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠⁠https://www.foundr.com/podcast⁠

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Jan. 21, 2026 - The Center for Elder Law & Justice Managing Attorney Kevin Quinn discusses a new consumer protection measure for New Yorkers coerced into taking on debts, like domestic violence survivors and the elderly. We also explore why financial lenders don't stop these debts from being incurred in the first place.

Gabriel Callsen, Senior Director, FinTech and Digitalisation, ICMA summarises key findings on DvP settlement assets and custody models for DLT-based bonds under Project Guardian.

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠ George Kamel and Rachel Cruze answer your questions and discuss: "I'm burnt out from doing OnlyFans, how do I get out of this?" "My mom is resentful that they are still paying my student loans. Should I take on the payments?" "Should I buy a house to flip in order to pay off $40,000 of debt?" "What is extendable term-life insurance?" "My husband doesn't want to pay off our debt even though we have the money to do so". Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

From investment banker to crypto fund strategist, Stas Sukhinin shares insider perspectives on how credit committees really make decisions, why over-leveraged companies fail fast during downturns, and where stablecoins are creating trillion-dollar transaction opportunities. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Stas Sukhinin, a finance veteran with over 19 years of experience spanning investment banking, corporate lending, and alternative asset management. Stas began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products in Eastern Europe. By age 29, he had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. WHAT YOU'LL LEARN: In this episode, you'll discover what really happens inside credit committees when your loan application gets reviewed and why factors unrelated to your business can determine outcomes. Stas explains how strong companies can go from healthy to restructuring in just three to four months when leverage catches up with them, and the critical difference between how first-time owners and experienced operators approach debt decisions. You'll learn the two key factors that determine how much debt your business can handle, why working capital provisions in purchase agreements deserve more attention than most buyers give them, and how sellers legally present financials in the most favorable light. The conversation also covers Stas's experience investing in the 2017 ICO boom where 90% of projects went to zero but winners returned 50x to 100x, why venture capital investors sometimes block deals that would be life-changing for founders, and where stablecoin transaction volume is already reaching trillions while most people remain unaware. STAS'S JOURNEY: Stas's path into finance started at age 14 when a classmate brought a business magazine to school. Reading about business owners selling companies for millions crystallized his direction. He knew he wanted to be in corporate lending where he could see businesses, analyze financials, and speak directly with owners while working with numbers at a bank. His first role as a junior credit analyst gave him exactly that. He progressed from working with small businesses that had no financials to mid-sized companies to large corporations. Each step taught him more about how deals really get done from inside the institutions making funding decisions. CREDIT COMMITTEE INSIGHTS: Stas pulls back the curtain on what actually happens when loan applications reach credit committees. The reality differs dramatically from what most business owners imagine. Factors affecting approval can seem completely unrelated to the specific deal. Maybe the bank already has a competitor in their portfolio. Maybe the receivable financing department has a different relationship with someone in your industry. One offhand comment from a committee member who hasn't read the full memo can change the entire trajectory of a conversation or result in higher interest rates. DEBT MANAGEMENT LESSONS: The pattern Stas has seen destroy companies in months follows predictable steps. Revenue drops or stagnates. Margins deteriorate because of increased competition and client uncertainty. Debt ratios that looked comfortable suddenly reach concerning levels. Refinancing options disappear just when needed most. Interest rates climb. Everything compounds simultaneously. The difference between experienced and first-time business owners comes down to scenario planning. Experienced operators build safety margins and stress-test assumptions. First-time owners assume conditions will continue as they are. That assumption determines survival. ALTERNATIVE INVESTMENTS: Stas joined a crypto investment fund at its inception in 2017 during the ICO boom. Out of many investments, approximately 90% went to zero. The winners returned 50x or 100x. His observation about liquidity cycles was particularly interesting. Traditional venture now averages seven-year holding periods while crypto projects can reach liquidity events in three or four years through token distributions. On stablecoins, Stas sees enormous opportunity in programmable money. Transaction volume is already in the trillions though most people in developed countries don't realize the scale. Goldman Sachs reportedly reduced bond settlement time from three days to minutes using blockchain technology. Perfect for business owners considering debt financing, entrepreneurs navigating capital raising, and anyone interested in how credit decisions really get made and where alternative investments are creating new opportunities. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/stassukhinin FOR MORE ON STAS SUKHININ: https://www.thesourcer.so https://www.linkedin.com/in/stassukhinin/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps: [00:00] - Introduction: Stas Sukhinin's 19 years in finance from investment banking to crypto [03:26] - First deal experience: Structuring a real estate development loan with disbursement tied to sales [05:47] - Hidden factors: Why deals get rejected for reasons unrelated to underwriting criteria[08:20] - Committee dynamics: How one comment from an uninvolved member changes deal trajectories [11:41] - Timing and instruments: When companies use the wrong type of capital [15:55] - Risk assumptions: The difference between first-time and experienced business owners [18:29] - Volatility factors: How income stability determines appropriate leverage levels [21:09] - M&A implications: Structuring adjustment provisions for concentration risk [24:09] - Liquidity advantages: Why crypto offers shorter holding periods than traditional venture[27:55] - Venture math: The story of a VC blocking a life-changing exit for 1x returns [29:27] - Due diligence limitations: Legal ways sellers present favorable financials [32:14] - Stablecoins explained: Digital tokens designed to maintain dollar parity [36:31] - Programmable money: Smart contracts that execute automatically on conditions [38:00] - Financial advisory services: How Stas helps business owners understand their financials[39:14] - Freedom defined: Removing gatekeepers and accessing financial systems without barriers Guest Bio: Stas Sukhinin has over 19 years of experience in finance spanning investment banking, corporate lending, and alternative asset management. He began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products and shaped the market in Eastern Europe. By age 29, Stas had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. He later served on boards of several private companies, deepening his expertise across credit investments and corporate governance. Recognizing early opportunities in alternative assets, Stas joined a crypto investment fund at its inception in 2017 and continues to lead its strategy and operations. He now helps business owners run more efficiently from the lens of financials through his advisory practice. Host Bio: Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes: Episode 350 - Tom Dillon: When NOT to Take Venture Capital Money: Explore alternative funding sources including private credit, SBA loans, and sale-leasebacks with a fractional CFO who works with startups on capital strategy. Episode 370 - Gerry Hays: Democratizing Venture Capital Through VentureStaking: Discover alternative approaches to early-stage investing that don't require massive checks or exclusive networks. Episode 85 - Nick Adams: Seed Stage Venture Capital Funds: Understand how traditional VCs think about early-stage deals and what metrics they evaluate from the investor perspective. Episode 351 - Solocast: Deal Structures Beyond M&A and Capital Raising: Learn about joint ventures, strategic alliances, licensing agreements, and other creative partnership models for business growth. Episode 324 - Sejal Lakhani-Bhatt: Tech Due Diligence in M&A: Explore how technology systems and cybersecurity impact business valuation and deal outcomes. Episode 330 - Pete Mohr: Preparing Your Business for Exit: Understand why sellers often cause deals to fail and how to prepare for the emotional aspects of selling a business. Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Stas Sukhinin: LinkedIn: https://www.linkedin.com/in/stassukhinin/ Website: https://www.thesourcer.so Keywords/Tags: corporate lending insights, credit committee decisions, debt management for businesses, mezzanine lending, alternative asset management, crypto investment strategy, stablecoin business applications, EBITDA management, leverage risk, working capital due diligence, venture capital exits, ICO investing, blockchain finance, programmable money, business financing, capital structure, due diligence strategies, financial advisory, dealmaking, business growth strategies

Wealth Wednesday: Rachel Rodgers talks about her new Amazon audiobook, "Your Debt Plan". Tell US A Secret See omnystudio.com/listener for privacy information.

*JOIN FOR FREE* - I am personally paying for your Hammer *ELITE* subscription for the first month ➡️ https://bit.ly/chpostshow Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post-show, I go over his resume, and it's a complete mess... PLUS the extra gay one keeps trying to get in the way, and I LOSE MY SH*T!!!

❓⁠Have a money question? Ask Ramsey is here to help!⁠ Ken Coleman and Jade Warshaw answer your questions and discuss: “I feel let down by my husband's spending habits?” ”We're in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?” “I keep going deeper into debt because of my spending habits” “Our home mortgage is 40% of our income, should we refinance?” “How do I talk to my in-laws about the $48,000 my wife owes them?” “We offered $24,000 for our daughter's wedding, they want to spend half of it on the wedding and keep the other half” “How are we supposed to pay $2459 for health insurance premiums?” “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?” “What's the difference between sinking funds and recurring expenses?” “My wife thinks I'm jumping the gun by getting life insurance for a baby we are planning for” “We're $176,000 in debt, should we sell our cars?” “How do I pay off debt and plan for the future as a single mom?” “My mortgage has a balloon payment, how do I pay this off?” Next Steps: ✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous "guilt-free" spending and a shocking $170K windfall that disappeared. Despite their dire situation, major cuts to their fixed costs haven't happened yet. Ramit encourages Noel to reconsider her church tithing and find proactive ways to increase income, like driving for Uber. Can they shift their mindset from feeling deprived to purposeful sacrifice, anchor their spending to zero, and collaboratively create a sustainable financial future? In this episode we uncover: • Noel's decision regarding her church tithing • The power of incremental income, like Noel's potential earnings from Uber • Ramit's "anchor to zero" framework for mindful spending • How comparing current spending to past mistakes sabotages financial progress • The importance of distinguishing between sacrifice and suffering • Why making big changes with money is meant to be hard • The potential for selling household items to boost savings and signal a "rebuilding phase" • How a short-term financial plan can set them up for long-term success • The opportunity to define their own timeline for debt repayment and savings Chapters: (00:00:00) Previously on money for couples (00:02:09) How Noel's decided to approach tithing (00:03:33) Why cutting subscriptions won't solve their problems (00:03:49) Noel's plan to earn more money with Uber (00:04:21) Ramit introduces the "anchor to zero" spending framework (00:05:46) Mike and Noel reflect on the conversation (00:07:11) Sacrifice vs. suffering: Reframing financial changes (00:08:43) Why comparing to the past holds them back (00:09:50) Noel's internal struggle with tithing (00:10:34) Ramit presents a vision for their future (00:11:15) The idea of selling household items to fund savings (00:12:18) Ramit's proposal for their next steps and a follow-up This episode is brought to you by: ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply 

We continue our year-end toolkit series sharing insights on key areas of the year-end accounting and reporting process. In this episode, we focus on the statement of cash flows—an area that remains critical to investors and continues to get focus from regulators. We discuss recent SEC comment letter observations, practical considerations for complex transactions such as debt restructurings, payment processing arrangements, and business combinations; we also highlight reminders and best practices to help companies navigate year-end reporting.In this episode, we discuss:1:05 – Overview of the statement of cash flows and key reminders3:46 – SEC comment letter themes7:52 – Debt restructurings15:21 – Payment processing arrangements20:27 – Business combinations32:56 – FASB project on targeted improvements to the statement of cash flowsFor more on the statement of cash flows, see Chapter 6 of our Financial statement presentation guide.Be sure to follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop. About our guestsSuzanne Stephani is a director in PwC's National Office specializing in the statement of cash flows as well as the application and interpretation of the accounting guidance related to financing, leasing, and foreign currency transactions.Christopher Gerdau is a partner in PwC's National Office specializing in accounting for financial instruments and banking-related topics. Chris also conducts technical reviews of SEC filings and provides technical support to PwC's practice offices. Chris's client service expertise includes the banking, capital markets, and insurance industries.About our guest hostDiana Stoltzfus is a partner in the National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com Did you enjoy this episode? Text us your thoughts and be sure to include the episode name.

What does smart multifamily investing actually look like in 2026?In this episode of the LSCRE Podcast, Craig McGrouther and Rob Beardsley break down their 2026 multifamily outlook, including acquisitions, operations, capital strategy, and why walking away from bad deals is often the best deal you can do.This episode covers how LSCRE is approaching growth after one of the most volatile real estate cycles in recent history.Topics discussed:LSCRE's 2026 acquisition goals (~$200M, one deal per quarter)Why doing a bad deal is extremely expensive for sponsorsDeal discipline vs “doing deals to do deals”Texas market focus: Houston, Dallas, San AntonioWhy some markets (like Phoenix) are still early — and riskyOptimal debt & equity structures for the next cycleWhy LSCRE targets lower leverage (~65%)Mid-teens IRR expectations and 5–8% cash flow targetsWorkforce housing vs Class C riskOperational priorities: occupancy, renewals, staffingWhy renewal rates matter more than new leasesEmployee turnover targets and portfolio healthBringing RUBS billing in-house to save ~$300K annuallyK-1 delivery timelines and internal tax infrastructureCapital markets commentary: private credit vs common equityWhy 2026 may reward offensive positioning, not defensiveWe also discuss:Why Houston may outperform other Sunbelt marketsWhere forced sellers may emergeWhy stability matters more than forecastsAnd why LSCRE is focused on long-term ownership, not flipsLearn more about LSCRE:www.lscre.com

What if the debt you carry into retirement shapes your financial freedom more than your investment choices? In this episode, Charleston’s Retirement Coach Brandon Bowen breaks down how different types of debt—mortgages, car loans, and consumer balances—fit into retirement planning. He shares real client examples, discusses when paying off debt may make sense, and explains why interest rates, cash reserves, and timing matter. This conversation highlights the importance of evaluating debt alongside assets to build a more thoughtful retirement strategy. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

❓Have a money question? Ask Ramsey is here to help! Ken Coleman and George Kamel answer your questions and discuss: “How do I stop living paycheck to paycheck?” “Should we pay the student loans my mother-in-law is supposed to pay?” “Should we buy a home when we move to a different state?” “How much should we be spending on a vacation?” “We have a collection company coming after us for money we don't owe. How should we handle this situation?” “Why won't my wife live in an RV with me?” “I am under contract for a house with leased solar panels. Should I back out of this deal?” “Should we keep helping our daughter financially after her divorce?” “Should I buy a new truck or keep my old one?” “My husband doesn't want to use our savings to pay off our home” “Can we afford a $500k house?” “Is my sister still responsible to make payments towards renovations on a home we co-own?” “How can I get out of $434,000 of debt?” “How fast should I be saving my fully-funded emergency fund?” “Should my husband change careers to make more money?” Next Steps: ✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

Megyn Kelly opens the show by discussing the infuriating moment when anti-ICE activists reached a new low by storming a church during services, why these are "terrorists" who are targeting innocent Christians, and more. Then Michael Knowles, host of "The Michael Knowles Show," joins to discuss why the radical leftist protesters who interrupted the church service must be arrested, Don Lemon's involvement and how he joined with the agitators, the disturbing actions of these leftists, and more. Then Matt Walsh, host of "Real History with Matt Walsh," joins to discuss agitators terrorizing innocent people in Minnesota, Don Lemon's lies and stupidity, anti-ICE activists behaving like BLM activists in 2020, the effort to get random people to denounce ICE or get harassed, Ellen DeGeneres weighing in now, fake history lessons kids are taught about slavery, the truth about America and the global slave trade, why Walsh is digging into the truth about Native Americans as well, and more. Knowles-https://www.dailywire.com/Walsh- https://www.dailywire.com/show/real-history-with-matt-walsh Byrna: Go to https://Byrna.com or your local Sportsman's Warehouse today.3 Day Blinds: Head to https://3DayBlinds.com/MKfor their Buy One Get One 50% deal plus a FREE, NO charge, NO obligation consultation!Done with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you!Birch Gold: Text MK to 989898 and get your free info kit on gold  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 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Family, the bar for wealth is rising. In 2026, you need a net worth of $1.8 million or an income of $210,000 just to be in America's top 10%. But high income doesn't guarantee wealth—strategy does. In this episode, I break down the real steps to get there, no matter where you're starting from.RESOURCES & LINKS MENTIONED:Get Out of Debt: https://wwwanthonyoneal.com/debtreliefStart Investing (Compare Platforms): https://www.anthonyonesl.com/investOpen a High-Yield Savings Account: https://www.anthonyoneal.com/savingsGet Life Insurance: https://www.anthonyoneal.com/lifeinsuranceABOUT 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.

Stefan Molyneux digs into what he calls "Gene Wars," looking at how r and K selection strategies in reproduction shape human societies. He describes r-selected types as those that reproduce quickly with little effort put into raising the young, while K-selected ones focus on having fewer kids but investing more in them. Molyneux ties this to modern problems like abortion and spending habits, suggesting these strategies affect how people view duties to others and keeping systems steady. He wraps up by urging people to pay more attention to these biological factors when dealing with today's issues.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-ep471  ⚒️Get my best investor tools for FREE → https://www.coachcarson.com/toolkit-pod-ep471  ▶️ Next Episode: STOP Buying More Rentals! Do This Instead (ft. ‪@Robuilt‬) Apple: https://podcasts.apple.com/us/podcast/380-stop-buying-more-rentals-do-this-instead/id1448707654?i=1000685611228 Spotify: https://open.spotify.com/episode/0N25lzfcwgWpKwoOVuLmnY?si=CcpR2FMRQt-eLgMsF2Zm8A EPISODE NOTES:

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A man in North Carolina found out that his lottery prize of $800 was taken by a county which claimed he owed them money - and it turned out that the debt was in someone else's name - but by someone using his social security number. The man eventually got his money (minus taxes). https://www.lehtoslaw.com

An Honest Guide to Trading FOREX With Clarity! (Get the eBook) https://myforexguide.com/-------------------------------------------------------------------

Brent Kesler is founder of The Money Multiplier and creator of the TMM Method, a 200-year wealth strategy used by 17,000+ clients. After paying off $984,711 in debt in 39 months, he now teaches families and entrepreneurs to build tax-free liquidity, control, and legacy wealth—outside Wall Street. Connect with Brent: Website: thttps://themoneymultiplier.com Email: brent@themoneymultiplier.com Watch: Brent's 90-minute presentation  Bonus: Follow Hannah Kesler's show — The Money Multiplier Podcast

FREEDOM - HEALTH - HAPPINESSThis podcast is highly addictive and seriously good for your health.SUPPORT DOC MALIK For the full episodes, bonus content, back catalogue, and monthly Live Streams, please subscribe to either:The paid Spotify subscription here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/show/docmalik/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The paid Substack subscription here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://docmalik.substack.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you to all the new subscribers for your lovely messages and reviews! And a big thanks to my existing subscribers for sticking with me and supporting the show! ABOUT THIS CONVERSATION: It was an honour and privilege to sit down with Simon Dixon in person in my studio. The original conversation ran for almost four hours and was truly epic, one of the most memorable discussions I have had. Because of its length, I split it into two parts.In this first episode, we step back and examine money itself, the financial and monetary systems that govern our lives, and why one could argue they sit behind many of the major global and national crises we see today. We then move into Bitcoin, cash, gold, and banking, asking uncomfortable questions about ownership, custody, and control. Simon breaks down how these systems are structured, why they benefit the banking cartel, and how most people remain trapped inside them without realising it.This is not about telling you what to think or buy. It is about asking better questions.Part two goes even further. Enjoy, lots of love!DocLinksWebsite ⁠https://www.simondixon.com/⁠IMPORTANT INFORMATIONCONSULTATION SERVICEIn a world of rushed 7-minute consultations and endless referrals, I offer you something rare: time, context, and clear guidance.As your health advocate, I can help you:Understand your diagnosis and decode medical jargonBreak down treatment plans in plain, easy to understand non jargon EnglishPrepare for surgery, understand your risks, obtain true informed consent, and optimise yourself pre-op Recover from surgery, advise you how to heal faster and quicker and minimise post-op complicationsManage chronic illness with lifestyle, mindset, and dietary changesExplore holistic options that complement conventional careImplement lifestyle changes like fasting, stress reduction, or movementAsk better questions, and get real answersGet an unbiased second opinionReady to Take Control?If you're navigating a health concern, preparing for a big decision, or simply want to feel more confident in your path forward, I'd love to support you.Book here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://docmalik.com/consultations/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SeagreenIf you want to support your health naturally, I highly recommend trying Sea Greens, a rich source of bioavailable iodine and trace minerals that nourish thyroid function, balance hormones, and provide a clean daily boost from wild ocean plants. Use the code DOCMALIK⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://seagreens.shop/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Heracles Wellness SaunaHeracles Wellness is a UK-based company and supporter of the show. They offer a fantastic range of beautifully crafted saunas and cold plunge systems, perfect for creating your own healing sanctuary at home.Use the code DOCMALIK3 at checkout to get 3% off all products. ⁠⁠⁠⁠⁠⁠⁠⁠https://heracleswellness.co.uk⁠⁠⁠⁠⁠⁠⁠⁠Hunter & Gather FoodsCheck out the products from this great company⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hunterandgatherfoods.com/?ref=DOCHG BUY HERE TODAY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use DOCHG to get 10% OFF your purchase with Hunter & Gather Foods.IMPORTANT NOTICEIf you value my podcasts, please support the show so that I can continue to speak up by choosing one or both of the following options - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.buymeacoffee.com/docmalik⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want to make a one-off donation.

On this episode of CFO at Home, Vince continues his conversation with financial experts Steve Short and Mark Schlipman, authors of ·The Simple Road Toward Financial Freedom·, a #1 Amazon bestseller with a foreword by Will Ferrell. This time around Steve, Mark and Vince tackle pressing financial topics relevant to Gen Z. They dive into the subject of budgeting, including the concept of "bucketing" instead of traditional budgeting, debt management, where Steve and Mark share strategies for addressing student loans and consumer debt effectively, and finally investing, discussing the allure of quick gains versus the value of long-term strategies traditionally used to build a solid financial foundation. You can learn more about ·The Simple Road Toward Financial Freedom· by going to simpleroadbook.com Key Topics: 01:01 How does the concept of budgeting play with Gen Z? 05:08 Bucketing;  an old method that has become new again 10:31 The common standard financial advice is debt is bad, credit cards are bad 14:59 Student loans for Gen Z 17:20 Millennials/GenZ and investing 21:06 "Simple Road Towards Financial Freedom" book Key Links: The Simple Road Toward Financial Freedom The Simple Road Toward Financial Freedom | Facebook The Simple Road Toward Financial Freedom (@simpleroadbook) • Instagram photos and videos The Simple Road Toward Financial Freedom - YouTube The Simple Road Toward Financial Freedom | #GenZMoneyMentors | LinkedIn https://www.tiktok.com/@simple_road_book Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

Colin Yurcisin is founder and CEO of Leveraged Lifestyle (formerly Credit Class), Leveraged Investments, and Leveraged Mining.Colin discusses how faith-based decision making played a foundational role in building his businesses, creating wealth, and developing an entrepreneur mindset - not as motivation, but as a framework for execution.From being $50,000 in debt to becoming a multi-millionaire, Colin shares the faith-driven principles, business lessons, and disciplined habits that reshaped his financial future and approach to success.We get into the real work behind building wealth and financial freedom, including:- The mental shift required to escape financial rock bottom- How faith guided decision-making in business and risk- What Bitcoin mining is, who it's for, and common misconceptions- Round-tripping net worth and the lessons it teaches entrepreneurs- Building long-term, sustainable businesses instead of chasing quick wins- The habits, beliefs, and discipline that compound into massive successMental Training for Men who want discipline, clarity and consistent execution. Subscribe to the newsletter for free. Join the BA Family & follow us on Instagram.Watch and subscribe to our Youtube. The #1 Non-Synthetic Supplement for recovery, anti-aging, skin, sleep, sexual health. Use code "breathinair"

Radiant Life Church Podcast

If you’ve ever looked at your debt and thought how did I even get here, this one’s for you. Because that’s exactly where our Money Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life. Until one day she zoomed out and realised a life in debt wasn’t what she wanted for her family. Once she started learning how money actually works, everything shifted. She wasn’t bad with money like she’d always thought. She’d just never been taught. This episode is about what happens when financial literacy starts to click. How she tackled the debt without spiralling into shame. How a few strategic moves changed everything. And why when life later threw her a serious curveball, having those foundations already in place made all the difference. A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here. We have a long sttanding referal patnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you here. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Mentioned in this video:  CrisisInvesting.com Expertsroundtable.substack.com swpcayman.com (gold storage)  In this episode, Doug Casey and the host discuss a variety of topics including Trump's recent recognition of the cost of living crisis in America and his proposed solutions, like a 10% cap on credit card interest and a $2,000 rebate on tariffs. They also dive into Trump's Board of Peace for the Gaza Peace Plan and the individuals involved. The conversation extends to commentary on healthcare, mortgage plans, and the broader economic outlook, alongside Doug's personal insights on various geopolitical issues such as El Salvador's crackdown on MS gangs, Alberta's potential independence, and prospects of underwater mining. Viewers' questions range from precious metals storage to the viability of gemstone investments, making it a comprehensive discussion on multiple pertinent topics. 00:00 Introduction and Viewer Questions 00:10 Trump's Cost of Living Proposals 03:05 Critique of Trump's Economic Plans 06:46 Healthcare and Insurance Issues 11:49 Housing Market and Mortgage Ideas 17:06 Trump's Gaza Peace Plan 27:58 Viewer Questions on Investments and Global Politics 33:24 Discussing El Salvador's Prison System 38:06 Stock Ownership and Physical Certificates 42:33 Real Estate Market During Economic Crisis 46:35 Dividends in Physical Gold 54:03 Alberta's Potential Independence 55:39 Deep Underwater Autonomous Mining 57:50 Speculation on Iraqi Dinar Reevaluation 01:02:52 Casey's Speculation and Development 01:05:19 Conclusion and Final Thoughts

❓Have a money question? Ask Ramsey is here to help! Ken Coleman and Jade Warshaw answer your questions and discuss: "My husband is about to go to prison for several years, how should we prepare our finances?" "How can I get my 19-year-old son to be responsible for his expenses?" "I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?" "Are we spending too much on building our home?" "Should I share my inheritance with my brothers?" "Should I sell my car?". Next Steps: ✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

President Trump threatens to invoke the Insurrection Act in Minnesota, blaming violent clashes with ICE on state and local leaders he says are encouraging lawlessness. Columbia University student agitator Mahmoud Khalil remains in the U.S., but a federal appeals court has now overturned the ruling that secured his release from immigration detention - Article 3 Project Founder Mike Davis weighs in. Two national security nominees face the Senate Armed Services Committee, as Democrats continue pushing questions about unlawful military orders. A family member of Lance Twiggs, the roommate and alleged boyfriend of accused Charlie Kirk killer Tyler Robinson, is now disputing claims that Twiggs fully cooperated with investigators in an interview with NewsNation.   Herald Group: Learn more at https://GuardYourCard.com  Done with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

My guest today is Marc Faber, editor of the “Gloom Boom & Doom Report.” In today's episode, Marc explores the unpredictable nature of financial markets, the resurgence of precious metals and how money printing has fueled economic inequality. He argues that bonds are currently under-owned and may offer opportunity, and explains why emerging markets such as Thailand and Vietnam deserve consideration.  To close, Marc underscores the importance of diversification in an increasingly uncertain world. (0:00) Starts (2:25) The rise of precious metals (10:18) Impact of money printing on asset prices and social problems (23:14) Bond bull case (29:31) History of wealth redistribution (36:13) Global investment insights: Thailand & beyond (48:40) Importance of diversification ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Sponsor: Want to learn more about 351 Exchanges? Visit Alpha Architect's 351 Education Center for use cases, tools, FAQs, upcoming launches, and more.  Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this follow-up to my popular Taxes 101 episode, we dive into the reality of debt and how to escape it. Drawing from timeless biblical principles (and a nod to practical steps like Dave Ramsey's approach), I'll share why debt can feel like bondage, how to create a payoff plan, and actionable tips for landscaping pros to avoid common traps like equipment financing pitfalls. If you're buried in credit cards, loans, or business debt, this episode gives you hope, scripture-backed motivation, and real steps toward freedom. Let's level up your money game together!

Can you use whole life insurance to pay off debt? In this real case study, Caleb Guilliams and Denzel Rodriguez ( @DenzelNapoleonRodriguez break down how a properly structured whole life insurance policy was used to pay down $140,000 in student loan debt. We walk through real numbers, cash value, policy loans, interest rates, and when this strategy actually makes sense and when it doesn't. Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Whole Life Insurance Case Study: Paying Off Debt 01:46 Life Insurance to Pay Off Debt 03:55 Pre-policy Parameters 06:53 Rules for Borrowing Against a Policy 08:28 Debt Repayment vs. Starting a Permanent Policy 10:37 Convertible Term Insurance and Debt Snowballing 13:01 High-Interest Debt and Whole Life 16:28 Denzel's Case Study: 22-Year-Old Female with Student Loans 19:26 Student Loans in Forbearance and Interest Capitalization 24:50 When Using Whole Life to Pay Off Debt Makes Sense (and When It Doesn't) 27:03 Comparing Debt Payoff Strategies 31:07 Leveraging Whole Life to Pay Off Debt 34:25 Cash Flow and Debt Repayment 38:52 Leveraging Borrowed Money to Fund Whole Life Insurance 50:45 Importance of Personal Growth and Certainty 55:50 Final Thoughts ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Nobody wants debt. But sometimes life forces the issue. In this episode, Pete, Damian, and Kristen tackle a reality most people face at some point: needing cash quickly. This isn't an endorsement of borrowing and it's definitely not a how-to. It's a ranking of consequences—a clear-eyed look at which debt options hurt the least, which ones quietly wreck your future, and which should be avoided almost entirely. The conversation starts with why people reach for the fastest money instead of the smartest option. Stress, fear, and urgency push otherwise rational people into bad decisions—especially during emergencies, income gaps, or unexpected medical or home expenses. The goal here isn't perfection; it's minimizing damage when options are limited. From there, the team works through a tiered ranking: The least bad (situational) options, like already-open HELOCs and family loans—tools that can work, but only with serious guardrails and clear boundaries. The middle ground, including personal loans and 401(k) loans, where predictability and structure help—but behavioral traps and long-term costs still loom. The high-risk zone, where credit cards, payday loans, and title loans turn short-term problems into long-term financial pain. Along the way, they break down why “easy” money is usually the most expensive, how minimum payments create dangerous illusions, and why slowing the decision—even briefly—can be the biggest financial win. If you've ever thought, “I just need some cash to get through this,” this episode helps you ask a better question: Which mistake does the least damage—and which ones should never be on the table? Plus, the episode wraps with BWOM and the latest financial news.

0:30 - BLM Brandon responds to Bill from Canaryville on property tax hikes and downtown development 33:59 - Insurrectionists, ICE, and Local Law Enforcement 51:57 - Founder & Principal Broker for HealthInsuranceMentors.com, C Steven Tucker, breaks down Trump's "Great Healthcare Plan" and gives odds on it passing congress 01:14:49 - Christopher Whalen, chairman of Whalen Global Advisors and editor of The Institutional Risk Analyst, on Mamdani’s universal child care plan: “This is all pie in the sky — kind of Bill de Blasio on LSD.” Check out Chris’ most recent book Inflated: Money, Debt and the American Dream – 2nd Edition 01:39:11 - Senior Pastor of New Beginnings Church of Chicago & founder and CEO of Project H.O.O.D., Corey Brooks, asks Brandon Johnson - Why would a city mayor defend a dictator while his own streets continue to burn? Support Pastor Brooks as he walks across America to spread faith, unity, and opportunity at projecthood.org 01:54:59 - Multi‑Emmy‑Award‑winning reporter Liz Collin on the violent protests gripping Minneapolis today, drawing parallels to the city’s unrest in 2020. Follow Liz on X @lizcollin 02:16:42 - Open Mic Friday!See omnystudio.com/listener for privacy information.

The number of abortions recorded in England and Wales has reached a record high, according to the latest government figures from the Department of Health. There were 277,970 abortions in 2023, the highest number since the Abortion Act was introduced in 1967 - which is 11 per cent higher than the previous year in 2022. Rachael Clarke is Head of Advocacy for the British Pregnancy Advisory Service - known as B-PAS, and tells Anita Rani about the findings. In 2025 alone she walked at Paris Fashion Week, spoke at the United Nations about face equality and won 'Fashion and beauty influencer of the year' at the the UK and Ireland TikTok awards, all while managing a chronic illness. Nikki Lilly is a Bafta and Emmy award-winner, an influencer and a campaigner and she joins Anita in the studio. January is one of the toughest times for managing finances - and this year the pressure is hitting harder than ever. In just the first week of 2026, more than 13,000 people turned to Citizens Advice for help with debt. Last January, over 50,000 people sought support, and they expect this year to be even worse. New polling commissioned by the charity over the last six months reveals one in three people in problem debt have gone without essentials like food and women are feeling the squeeze more than men, with nearly 40% of those seeking advice being impacted compared to 31% of men. To discuss, Anita is joined by principle policy manager at Citizens Advice, Emer Sheehy, and personal finance and consumer expert Sue Hayward.Grief over a pet's death can be as strong as that for a family member or close friend, new research shows. Anita talks to Philip Hyland who led the research on prolonged grief disorder. Actor Hayley Squires is currently on our screens in the long-awaited second series of BBC spy thriller The Night Manager. Her character Sally Price-Jones is second in command to Tom Hiddleston's Jonathan Pine, as they navigate a dangerous world of international espionage, deception and moral ambiguity. Since her breakthrough in Ken Loach's award-winning film I, Daniel Blake, Hayley's won critical acclaim for a host of TV, film and theatre roles. She's currently also appearing in the hit production of All My Sons in London's West End. Presenter: Anita Rani Producer: Corinna Jones

❓Have a money question? Ask Ramsey is here to help! George Kamel and Rachel Cruze answer your questions and discuss: "Should I file for bankruptcy? " "How do I move on after financial and emotional infidelity?" "I'm retired and I have never invested my money" "Is it a good idea to spend money on a birthday vacation for my daughter?" "What happens to debt if I die before paying it off?" "Should I use my HELOC to pay off my other debt?" "My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?" "Do we have too much of our wealth tied up in our home?". Next Steps: ✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

Send us a textHomeownership once meant stability... now it often means stress. In this episode, we explore why even high earners feel squeezed, why 20K a month no longer guarantees comfort, and how technology could make housing radically cheaper within our lifetime. From debt psychology to 3D-printed homes, this is a forward-looking conversation about what it will really take to thrive in 2026 and beyond.Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.comJoin our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://tentmakers.us/Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda's private golf mastermind for high-level founders and dealmakers. www.mastermind19.com--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing. ...

Buy Now, Pay Later is exploding, but so is consumer debt. Patrick Bet-David and the panel break down record BNPL spending, missed payments, Gen Z risk, and why these “interest-free” plans can quietly become more dangerous than credit cards for everyday Americans.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3423: Jackie Beck explains why emotions, not logic, are the key to successfully paying off debt. By focusing on the smallest balances or the debts that weigh heaviest emotionally, you're more likely to build momentum and stay motivated, leading to long-term behavioral change and financial freedom. Read along with the original article(s) here: https://www.jackiebeck.com/what-debt-to-pay-off-first/ Quotes to ponder: "Put your debts in order from smallest to largest and get rid of the first one as fast as you can." "Logic wasn't a factor in getting into debt, and it's not going to be the biggest factor in getting out." "Remember, a huge part of how to get out of debt is changing your behavior for good." Learn more about your ad choices. Visit megaphone.fm/adchoices

According to YouGov, one of the top resolutions for 2026 is saving more money. While Jesse has issues with the concept of "saving" money as he has discussed in previous podcasts, the intention is still clear -- people want to get to a more stable financial position, which (for most) means more cash in the bank and less debt. Jesse also points out that consumer debt continues to hit all time highs, which leads to his approach to the question: should I build my savings or pay off debt?   Jesse urges folks to consider, why do they feel the need to reach for consumer debt in the first place? Reaching for debt regularly, especially pernicious forms of debt like credit cards and buy now, pay later programs, indicates that you aren't aware and in alignment with your true expenses -- the larger and less frequent expenses that you know will happen, but aren't regular monthly bills like rent or utilities. Auto maintenance is a classic example of true expenses -- you know you'll need oil changes, transmission fluid changes, new tires, etc. eventually, but it's not a regular monthly expense.   The trap many people fall into is throwing everything they have into debt payments, only to have a true expense pop up and no cash to pay for it. So they bring out the credit card and fall back into the same cycle that got them into debt in the first place. If you turn your attention away from paying off debt for a bit and instead focus on setting money aside for these true expenses, like tires, then you can reduce your need to rely on consumer debt to cover these. Just setting aside $50 or $100 a month toward these expenses can make you so much more financially resilient, that you no longer need debt and can now begin to pay off debt from a place of stability.   All of a sudden, you are planning and thinking about money like a YNABer!     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial  

Jordan Harper built an eight-figure skincare brand in its first year by maxing out five credit cards while already $500,000 in debt — and never raised a single dollar from investors. In this interview, the founder of Barefaced breaks down how years of treating patients as a nurse practitioner revealed a massive gap in the skincare market, why simplifying routines unlocked explosive demand, and how a password-protected pre-order generated over 1,000 sales in 48 hours with no email list. What you'll learn in this interview: • How Jordan funded her business using credit cards instead of investors • Why simplifying to four SKUs drove eight-figure revenue • The exact pre-order strategy that validated demand before launch • How to build trust and repeat purchases without paid marketing • Why destroying inventory protected long-term brand value • How Barefaced reached a 90% repeat customer rate • The real risks of manufacturing and supplier contracts • How to hire senior talent without giving up equity • Jordan's time-blocking system for running a business and family • Why serving customers beats selling at every stage of growth By the end of this episode, you'll understand how to validate a product, fund a launch creatively, and scale a physical ecommerce brand without venture capital — while protecting margins, reputation, and personal bandwidth. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠ to get started. HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠ CONNECT WITH NATHAN CHAN Instagram → ⁠⁠⁠⁠https://www.instagram.com/nathanchan⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠https://www.linkedin.com/in/nathanhchan/⁠⁠⁠⁠ CONNECT WITH JORDAN HARPER Instagram → https://www.instagram.com/barefaced/ Jordan's Instagram → https://www.instagram.com/jordanharper_np/ Website → https://www.barefaced.com/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠ Website → ⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠https://www.foundr.com/podcast

❓Have a money question? Ask Ramsey is here to help! George Kamel and Dr. John Delony answer your questions and discuss: "How do we deal with the $300,000 of debt my wife racked up in predatory loans?" "How can I get my wife to understand she needs to contribute to our finances?" "I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?" "Should I split my retirement contributions into different accounts?" "My house needs repairs but I can't afford it. What should I do?" "How do we go about paying off our debt? ". Next Steps:

Megyn Kelly is joined by Kristen Waggoner, president of Alliance Defending Freedom, to discuss what she saw while she was inside the Supreme Court watching the "trans" sports arguments today, the massive day for potentially protecting women's sports, what Megyn believes the court will rule, why she's worried about what some of the more right-leaning justices were saying today, the disturbing use of incorrect pronouns and "cisgender" during the arguments by the justices, the leftist spin from the ACLU and other liberal Supreme Court justices on the "trans" sports issue, why it's crucial to protect girls in this moment, and more. Then The Daily Wire's Andrew Klavan, author of "After That, The Dark," joins to discuss the true dangers of the radical left being revealed after the Minnesota ICE shooting, the violent rhetoric and lies from the leftist media, the brilliant Scott Adams passing at age 68, the way People magazine and other corporate media outlets smeared him in their obituaries, his powerful final message, and more. Waggoner: https://adflegal.org/Klavan- https://www.youtube.com/@AndrewKlavan Lean: If you want to lose meaningful weight at a healthy pace and keep it off... Add LEAN to your diet and exercise lifestyle. Get 20% OFF WHEN YOU ENTER MK at https://TAKELEAN.comDone with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you!PureTalk: Cut your wireless bill to $20/month—switch to PureTalk now at https://PureTalk.com/KELLYMelania: Step inside the 20 days before history is made—watch MELANIA, only in theaters January 30; get your tickets now!  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 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.