Podcasts about Debt

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 are working on building 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 with each passing mystery. Before moving on to decluttering in February, get your morning prayer routine going. This program builds on itself and you'll need a strong foundation of faith if you are going to succeed this year. If you're new, 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 ***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   Do you like to watch a podcast? Check out my YouTube channel here:  YouTube    For any other inquiries or guest appearances, please email me at: tightshipmama@gmail.com  

Matt Faircloth interviews Brian Burke, reflecting on the prolonged multifamily downturn and why 2025 failed to deliver the recovery many investors expected. Brian explains how elevated construction deliveries, negative rent growth, and mispriced cap rates have kept deal fundamentals from penciling, especially for assets acquired with high leverage. The conversation dives deep into the dangers of bridge debt, emphasizing that loan maturity risk, not floating interest rates, is what ultimately puts lenders in control. Brian also shares why he has shifted capital into assisted living, citing demographic tailwinds, improving fundamentals, and a supply-demand imbalance that contrasts sharply with multifamily. Brian BurkeCurrent role: Founder & CEO, Praxis CapitalBased in: CaliforniaSay hi to them at: www.PraxCap.comwww.linkedin.com/company/praxcapwww.linkedin.com/in/praxiscapitalhttps://www.facebook.com/praxcap/https://twitter.com/praxcaphttps://www.instagram.com/praxcap/https://www.instagram.com/investorbrianburke Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  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

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The Constitution Study with Host Paul Engel – The lies behind Diversity, Equity, and Inclusion (DEI) and transgenderism have harmed countless people. What about the women who've been denied spots on teams because of the lie that a man can become a woman? What about the lies in the news? From climate change to COVID, corporate media has been found lying to the...

Commercial real estate veteran Ben Reinberg shares how he uses hard assets and smart debt to strengthen his investing portfolio. He shares his journey from starting in his early 20s to building a national hard-asset portfolio across industrial, office, retail, multifamily, and medical real estate. We talk the importance of the "ability to hold" assets through cycles by avoiding over-leverage, maintaining reserves, and structuring smart debt. Ben outlines where commercial real estate sits in the current cycle, highlighting looming debt maturities, distressed opportunities, and the potential for attractive buying conditions over the next few years. We discuss... Ben Reinberg explains how he built wealth starting in his early 20s by focusing on hard assets, particularly commercial real estate, as a long-term strategy for cash flow and financial control. He emphasizes the importance of becoming a true expert in a specific asset class rather than spreading focus too broadly. He shares lessons from his first industrial deal, including managing tenant loss, repositioning assets, and creating value through active ownership. A central theme was the "ability to hold," meaning structuring investments to survive any market cycle without being forced to sell. He stressed using smart debt, avoiding over-leverage (generally keeping loan-to-value around 65%), and maintaining ample reserves. The discussion highlighted why medical office real estate is recession- and pandemic-resilient, with high tenant renewal rates and stable cash flow. Reinberg explained how inflation, tariffs, and rising costs affect tenants and property operations across different real estate sectors. The episode explored how real estate acts as an inflation hedge through rent growth, escalators, and long-term asset appreciation. They discussed the current commercial real estate downturn, driven by higher rates, falling values, and large amounts of debt coming due. Reinberg argued that the next few years may present some of the best commercial real estate buying opportunities in decades. He warned investors to be cautious, underwrite deals conservatively, and focus on tenant quality and market fundamentals. We have an optimistic outlook for 2026–2028, expecting lower rates, increased liquidity, more transactions, and improving economic stability. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/hard-assets-and-smart-debt-ben-reinberg-788 

Debt can either accelerate your growth or quietly destroy everything you've built. In this episode, I'm joined by longtime friend of the show Bill D'Alessandro to break down Commandment #4 of the Financial Mastery series: borrow wisely. As someone who's been historically debt-averse, I wanted Bill (who is far more comfortable with leverage) to help unpack the realities, risks, and opportunities founders face when navigating debt in eCommerce. Listen in as we walk through the eight most common and dangerous mistakes entrepreneurs make - from misunderstanding merchant cash advances to signing personal guarantees without fully understanding the consequences. We also talk about how to protect yourself, when debt actually is the right move, and why founders often borrow for the wrong reasons. If you've ever considered taking on debt or are currently managing it, this episode will help you approach borrowing with clarity, intention, and respect for the risks involved. You can find show notes and more information by clicking here: https://bit.ly/3ZNEHWI Interested in our Private Community for 7-Figure Store Owners?  Learn more here.   Want to hear about new episodes and eCommerce news round-ups?  Subscribe via email.

How to Finance Your First Hunting Property: Expert Land Lending Secrets | 100% Wild Ep. 460 Welcome to the premiere of our new special series, Cultivating Value, powered by Buckland Funding! In this first installment, Matt Drury and Tim Kjellesvik are joined by land lending experts Megan Cheek and Jamie Whitaker to pull back the curtain on the often-intimidating world of recreational land financing. Whether you are a first-time buyer dreaming of your own 20-acre sanctuary or a seasoned investor looking to flip a prime Midwest tract, this episode breaks down the nitty-gritty details of down payments, debt-to-income ratios, and credit scores. We dive deep into why treating land as an inflation hedge is a smart move in today's market and how to position yourself with a pre-approval so you don't miss out when that perfect piece of ground finally hits the market.   The conversation doesn't stop at the bank; we explore the psychological hurdles of taking the "scary plunge" into land ownership and the strategic benefits of 1031 exchanges for long-term wealth building. From analyzing Class-A soil productivity to understanding the impact of road access and easements on resale value, Megan and Jamie provide the "concierge" coaching every landowner needs. Plus, stay tuned until the very end for a massive DeerCast announcement regarding a new feature that will completely change how you analyze the topography and "nooks and crannies" of your property. 00:00:50 – Introduction to the "Cultivating Value" special series  00:02:40 – The Series Roadmap: Improving habitat to increase property value  00:05:35 – The origin of Buckland Funding: A bank built by hunters, for hunters  00:07:00 – Concierge Coaching: What makes a specialized land lender different?  00:10:40 – Credit Scores and Financials: What do lenders actually look for?  00:14:40 – The 25% Rule: Understanding down payments and leveraging equity  00:17:15 – Debt-to-Income (DTI): Finding the right size farm for your budget  00:20:45 – Refinancing Strategies: When does it make sense to cut your rate?  00:26:00 – Time vs. Risk: Should you pay off your home before buying land?  00:32:15 – The Power of Pre-Approval in a tight land market  00:43:00 – Logging & Timber Value: How resource management affects your loan  00:49:40 – 1031 Exchanges vs. Paying the Piper: Tax strategies for flippers  01:00:30 – Value Driver Challenge: Soil quality, access, and liquidity  01:12:10 – DeerCast Feature Launch: Lidar Maps and high-resolution topography  Join the Rack Pack Facebook Group :   / n73gskjt7bfb2ngc   Get ahead of your Game with DeerCast available on iOS and Android devices App Store: https://itunes.apple.com/us/app/deerc... Play Store: https://play.google.com/store/apps/de... Don't forget to stock up for your next hunt! 1st Phorm has you covered! Protein Sticks: https://1stphorm.com/products/protein... Level-1 Bars: https://1stphorm.com/products/level-1... Energy Drinks: https://1stphorm.com/products/1st-pho... Hydration Sticks: https://1stphorm.com/products/hydrati... Send us a voice message on Speakpipe! https://www.speakpipe.com/100PercentW... For exciting updates on what's happening on the field and off, follow us on social Facebook:   / officialdruryoutdoors   Instagram: @DruryOutdoors X:  @DruryOutdoors  Be sure to check out http://www.druryoutdoors.com for more information, hunts, and more! Music provided by Epidemic Sound http://player.epidemicsound.com/ #dodtv

The search for missing 84-year-old Nancy Guthrie enters day five as Savannah Guthrie makes a direct plea to the abductor. Border Czar Tom Homan announces an immediate drawdown of 700 federal personnel in Minneapolis, citing increased local cooperation with immigration enforcement. Two major U.S. medical organizations reverse course and say permanent gender-transition surgeries for minors should be delayed until adulthood, citing insufficient evidence and potential harms. Attempted Trump assassin Ryan Routh is sentenced to life in prison, with his attorney immediately signaling plans to appeal.  Done with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you! All Family Pharmacy: Order now at https://allfamilypharmacy.com/MEGYN and save 10% with code MEGYN10 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(2:00) Ashton Daniels at the podium(7:00) Gus gone, it's now all on Mike, right?(17:00) Worst case they're terrible or totally average and 6-6?(29:00) Off topic(33:00) More Gus leaving = good(38:00) Positive stuff!(42:00) Generating Discussion sparked by Cummins(57:00) Wouldn't they have recruited a different QB if Gus left earlier?(1:10:00) Debt and contracts(1:16:00) Conspiracy theory(1:21:00) Fundamental worries about the programMusic: Dropkick Murphys - The Big ManFollow CumminsLifestyle on IG Download the  Underdog app today and sign up with promo code WARCHANT to score SEVENTY-FIVE DOLLARS in Bonus Entries when you play your first FIVE dollars - that's promo code WARCHANTMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(2:00) Ashton Daniels at the podium(7:00) Gus gone, it's now all on Mike, right?(17:00) Worst case they're terrible or totally average and 6-6?(29:00) Off topic(33:00) More Gus leaving = good(38:00) Positive stuff!(42:00) Generating Discussion sparked by Cummins(57:00) Wouldn't they have recruited a different QB if Gus left earlier?(1:10:00) Debt and contracts(1:16:00) Conspiracy theory(1:21:00) Fundamental worries about the programMusic: Dropkick Murphys - The Big ManFollow CumminsLifestyle on IG Download the  Underdog app today and sign up with promo code WARCHANT to score SEVENTY-FIVE DOLLARS in Bonus Entries when you play your first FIVE dollars - that's promo code WARCHANTMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of the Ballard Spahr Consumer Finance Monitor Podcast, we examine consumer debt and bankruptcy through the lens of Debt's Grip: Risk and Consumer Bankruptcy (University of California Press, 2025), by Pamela Foohey, Robert M. Lawless, and Deborah Thorne. Based on decades of research from the Consumer Bankruptcy Project, the nation's most comprehensive study of bankruptcy filers, Debt's Grip goes beyond aggregate data to document the lived experience of financial distress. The book shows how illness, job loss, aging, family structure, debt collection, and racial inequality converge to push households toward bankruptcy and what that reveals about how financial risk is allocated in the U.S. economy. Rather than treating bankruptcy as a personal failure, the authors demonstrate how policy choices over time shifted economic risk from institutions to individuals, leaving many households one unexpected expense away from crisis. Those risks fall unevenly, with Black families, single mothers, and older Americans disproportionately affected. The Authors Pamela Foohey, Allen Post Professor of Law, University of Georgia School of Law, is a principal investigator with the Consumer Bankruptcy Project and a leading scholar on bankruptcy and financial distress. Robert M. Lawless, Max L. Rowe Professor of Law, University of Illinois College of Law, is a nationally recognized empirical scholar of bankruptcy and consumer finance and a principal investigator of the Consumer Bankruptcy Project. Deborah Thorne, Professor of Sociology at the University of Idaho, brings a critical sociological lens, foregrounding the voices and experiences of bankruptcy filers. She also is a principal investigator of the Consumer Bankruptcy Project. Podcast Highlights In the episode, we discuss: ·        Why people actually file for bankruptcy ·        The debts most likely to lead to financial collapse ·        How households struggle to stay afloat before filing ·        The role of debt collection and litigation ·        How people come to see bankruptcy as a solution ·        Policy reforms that could reduce reliance on credit during hardship Key Takeaways ·        Bankruptcy is rarely about irresponsibility. It is often the endpoint of systemic risk-shifting. ·        Financial distress is structurally unequal. Race, age, gender, and health matter. ·        Filers exhaust alternatives before filing. Bankruptcy reflects resilience under pressure, not moral hazard. ·        Policy choices matter. Stronger safety nets and a more humane bankruptcy system can reduce financial harm. Conclusion Debt's Grip offers a rigorous, data-driven, and deeply human account of consumer bankruptcy in America. It challenges entrenched myths and provides valuable insight for policymakers, regulators, and industry participants alike. We thank Professors Foohey, Lawless, and Thorne for joining the podcast and for their important contribution to the field. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Do you work with family? How does relationship-based networking impact your life? Your company?  Your bottom line? What are some of the biggest misconceptions about networking? In this week's episode of The Crushing Debt Podcast, Shawn & George talk to Spencer Reynolds and his son Kamryn Reynolds, Co-Executive Directors of BNI Tampa. Originally from Northern Utah, Spencer and his family packed up and  moved to Florida in 2017, trading mountains for sunshine and lakes. With  his wife, Tricia, running the show (let's be honest, she's the boss) and their  four incredible kids—three adventurous adult sons and their adopted  princess, almost 16—they're all about outdoor thrills, especially water sports  and international adventure travel. And when we say "thrills," we mean it!  Spencer's an adrenaline junkie—skydiving, hang gliding, mountain biking,  and even trekking to Everest Base Camp with his brothers. If it involves  speed, heights, or a near-death experience, he's probably done it… twice.   (Ask about their Grand Canyon White Water Rafting trip from last year,  wild!)  Before becoming the networking master he is today, Spencer spent 12  years as a mortgage broker before making the leap into professional  speaking and training in 2005. He's taken the stage in every major city  across the U.S. and Canada, teaching professionals how to build systems,  work By Referral Only, and grow businesses the right way with referrals.  Through BNI, he's expanded his reach globally, inspiring thousands of  entrepreneurs to unlock the power of relationships. Kamryn Reynolds is a communication coach, keynote speaker, and the youngest Executive Director in BNI history. He's the founder of Articulate Advantage, helping professionals speak with power, clarity, and confidence. A USF grad, Eagle Scout, and fluent Spanish speaker after serving a two-year mission in Argentina.  Kamryn now specializes in keynotes and trainings for high-end hotels and resorts. Known for his high energy and practical frameworks, he's on a mission to become an Ironman, a TEDx speaker, and an international voice for intentional communication. He lives by one core belief: connection is the currency of opportunity.  Spencer, Kamryn, George & Shawn talk about: What surprises them the most about working together. Early money lessons. BNI / Networking Success Stories Biggest Misconception about BNI / Networking How long before networking pays off One business habit to adopt this year?  To stop this year? Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

Megyn Kelly is joined by Vice President JD Vance to discuss the most absurd parts of Washington DC, the ego of politicians, Trump Derangement Syndrome of the media, the huge drop in the murder rate and crime in America, the pace of deportations, Don Lemon's arrest, Tom Homan's new tactics in Minnesota, the challenge of deporting all illegal migrants, what happens if the GOP loses the House in the midterms, how hating Trump and the right unifies Democrats, what the Trump administration does next in Iran, why they will avoid another Middle East "quagmire," what happens next with Greenland, Europe's decline and a "new world order," efforts to fix election integrity, the GOP's messaging problem about the economy and affordability, how his family is adjusting to life in DC, and more. Then Ashleigh Banfield, host of Drop Dead Serious, to discuss the latest details in the suspected abduction of 84-year-old Nancy Guthrie, why investigators may be zeroing in on her son-in-law as a "prime suspect," all the strange evidence at the home, the importance of the 2 a.m. window tied to Guthrie's disappearance, why police are looking closely into her family, the key details of the missing or destroyed camera footage, and more. Then James Fitzgerald, co-host of "Cold Red Podcast," to discuss the crucial pieces of information at the disturbing Guthrie crime scene, what the police actions mean so far, the focus of the investigation from what we can tell, and more. Banfield: https://www.youtube.com/@DropDeadSeriousFitzgerald-https://www.youtube.com/@ColdRedPodcast-tb2lb/featured PureTalk: Save on wireless with PureTalk—get unlimited talk, text, and data for just $25 a month, plus 50% off your first month at https://PureTalk.com/KELLYDone with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you!Relief Factor: Break up with pain—Relief Factor targets inflammation so you can move better and feel better; try the 3-Week QuickStart for just $19.95 at https://ReliefFactor.com or call 800-4-RELIEF.Masa Chips: Ready to give MASA a try? Get 25% off your first order by going to http://masachips.com/MK and using code MK.  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.

Opening Bible Verse: Galatians 5: 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 are working on building 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 with each passing mystery. Before moving on to decluttering in February, get your morning prayer routine going. This program builds on itself and you'll need a strong foundation of faith if you are going to succeed this year. If you're new, 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 ***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   Do you like to watch a podcast? Check out my YouTube channel here:  YouTube    For any other inquiries or guest appearances, please email me at: tightshipmama@gmail.com    

Michael Novogratz is the Founder and CEO of Galaxy Digital. He was formerly a Partner and President of Fortress Investment Group LLC. Mr. Novogratz served on the New York Federal Reserve's Investment Advisory Committee on Financial Markets from 2012 to 2015. He serves as the Chairman of The Bail Project and has made criminal justice reform a focus of his family's foundation. Follow Anthony on X: ⁠⁠https://x.com/Scaramucci⁠⁠ Follow Novo on X: ⁠⁠https://x.com/novogratz⁠⁠ Anthony Scaramucci is the founder and managing partner of SkyBridge, a global alternative investment firm, and founder and chairman of SALT, a global thought leadership forum and venture studio. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Gold and silver just experienced a sharp crash, and for a lot of women, it triggered confusion, fear, and “what do I do now?”.In this episode, I slow everything down and give you the context you actually need to understand what just happened, why commodities move the way they do, and how to think about this kind of volatility without panicking or making reactive decisions. Tune in to learn:What a commodity actually isWhat just happened with gold, silver, and other commoditiesWhy commodities can drop fast—even when nothing is “wrong”Why people buy commodities in the first placeHow to understand this kind of volatility without losing your mind

Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Tony, a couple who immigrated from Mexico with big dreams and an even bigger work ethic. In less than a decade, they've built a net worth of nearly $900,000. But beneath the surface of their impressive paper wealth, they're carrying almost $1 million in debt and are completely misaligned on their financial goals. With their second child due any day, Ramit helps them uncover the root of their money woes, from differing money styles to the profound impact of their upbringing. Can they finally get on the same page, create a financial system that works, and build a sustainable rich life? In this episode we uncover: • How Melissa and Tony built a nearly $900K net worth in 8 years • The "rollercoaster" of their financial decision-making • Why their credit card debt is actually due to real estate • Tony's “paycheck to paycheck” feeling with a $189k household income • Melissa's childhood money lessons from her dad, Mr. No • How they navigate financial planning with a baby due this month • Why they avoid combining their high incomes • The cultural influences shaping their financial narratives • What happens when Tony is “comfortable” and avoids change • The deeper reasons behind their ongoing money disagreements • Ramit's advice on how to communicate about money effectively • A surprising agreement that might change their future Chapters: (00:00:00) Introduction (00:02:28) Their chaotic financial situation (00:07:07) Melissa and Tony's real estate struggles (00:13:07) Melissa's real estate ambitions vs. Tony's pessimism (00:20:58) The cycles of making and losing money (00:26:59) The ineffective communication about debt (00:33:57) The danger of making emotional money decisions (00:37:35) Diving deep into their income and debt (00:46:01) Their unspoken rules about money and spending (00:51:56) The painful truth behind being "house poor" (01:00:43) Impact of childhood money lessons on their current finances (01:10:29) The parent-child dynamic in their financial relationship   This episode is brought to you by: Superhuman | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit. 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 Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist 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

Debt expert, Chris Miles, critically examines Dave Ramsey's 7 Baby Steps and explains why paying off your home early can backfire on your wealth, especially when it comes to liquidity, flexibility, and long-term risk. Drawing from real-world experience, past recessions, and opportunity cost, we explain how this step can trap cash, increase vulnerability, limit future options, and sabotage your wealth, even for disciplined savers who “did everything right.” Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Watch the Full Interview: How to Use Infinite Banking to Build a Real Estate Empire | Chris Miles https://youtu.be/P2hCKhL1M_k 00:00 Introduction 00:08 Baby Step 1: $1,000 Emergency Fund 00:33 Baby Step 2: Pay Off Debt (Snowball Method) 01:11 Cash Flow Index Method and High-Yield Savings 03:09 Baby Step 3: Save 3 to 6 Months of Expenses 04:11 Modified Steps 2 and 3 05:00 Baby Step 4: Invest 15% of Household Income 06:52 Baby Step 5: Save for Children's College 09:18 Baby Step 6: Pay Off Your Mortgage 09:57 Experience with Home Equity 11:02 Trapped Money and Penalties 12:11 Baby Step 7: Build Wealth and Give 14:14 Dave Ramsey's Net Worth and Investment Strategy 18:32 Investing in Your Greatest Asset ______________________________________________ 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.

Streaming live Mondays at 6pm ET on The Jack Mallers Show YouTube channel.

In this episode of the Real Estate Pros podcast, host Micah Johnson welcomes Cam, a successful real estate investor who has been making significant strides in the industry since 2019. Cam shares his journey from being a pastor in Denver to becoming a real estate entrepreneur in St. Louis. He discusses the challenges he faced, including a pivotal moment when a hospital bill for his daughter prompted him to seek financial stability through real estate. Cam explains how he built his business, Revel City, which encompasses home buying, property management, and a rental portfolio worth $20 million. He emphasizes the importance of taking action, making sacrifices, and staying committed to long-term goals, even when faced with uncertainty.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

0:00 Intro 0:04 Ruined wedding 4:55 Spanking 9:21 Fitness 11:39 Debt 14:56 Living situation Learn more about your ad choices. Visit megaphone.fm/adchoices

I pulled questions and comments from popular social media clips with tens of thousands of views and brought on Dallas Mount, owner of Executive Link and the Ranching for Profit School to address them. We discuss a wide range of topics from people management, succession planning, analyzing return on investment and much more!Interested in easy care sheep raised on pasture and crop residue. Reach out to Matthew Grimes at 402-432-5124If you are looking to add somebody to your team to help with your farm or ranch numbers, check out John Haskell and his team at ⁠⁠⁠https://www.ranchrightllc.com/⁠⁠⁠.Check out ⁠⁠⁠⁠⁠⁠www.pharocattle.com⁠⁠⁠⁠⁠⁠ for more information on how to put more fun and profit back into your ranching business! As always, check us out at Ranching Returns Podcast on Facebook and Instagram as well as at ⁠www.ranchingreturns.com⁠.For Ranching Returns shirts, hats, and sweatshirts check out https://farmfocused.com/ranching-returns-merch/

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection? Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.”Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.Why You Need to Talk About Money—IntentionallyMany couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens.On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully?That's the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable.Turning Financial Talks Into DatesThese aren't meant for finger-pointing but for course correction—a time to realign your financial goals with your values.But also, why not make it a date? Dating can be a lot of fun if you're intentional. So why not combine something enjoyable with something that's often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful.The key is consistency. Whether it's over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust.Money Date #1: Share Your Money StoryEvery person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences.Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today.Take your spouse out for dinner and share those stories. You'll gain empathy and understanding for each other's perspectives. When you know your partner's money story, their spending or saving habits make a lot more sense.Try this: Ask each other, “What's your earliest memory of money?” The answers may surprise you—and bring you closer.Money Date #2: Give TogetherGenerosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey:Set a giving goal. Track your family's progress and celebrate milestones together.Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about.Create a stretch goal. As your income grows, commit to increasing your giving percentage over time.These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact.Money Date #3: Cook the BooksThis one's both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm:Who tracks expenses?What budgeting tools or apps will you use?How often will you review spending?The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center.Money Date #4: Check Your Credit (at the Spa!)Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It's relaxing—and you can often find affordable day passes.While you unwind, discuss:How much debt do you currently carry?How did your family handle debt growing up?What boundaries would you like to establish regarding credit use?This isn't about blame. It's about caring for each other and agreeing on a plan that both of you believe in.Money Date #5: Number Your DaysThis one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.”Couples should view estate planning as an act of love and care. When you prepare a will, name a guardian, or establish a power of attorney, you're doing something deeply selfless—caring for others even after you're gone.Spend a date identifying:Who will serve as executor or guardian for your children?How do you want your assets used to bless others?What legacy of faith and generosity do you want to leave behind?Growing Together Through Financial StewardshipMoney dates are about far more than numbers. They're about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity.When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God.———————————————————————————————————————Dr. Enete's full article, “Six Great Money Dates,” appears in the 2nd issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:My employer closed over six months ago, and I've been unemployed since. My unemployment benefits are gone, and I'm paying my mortgage and bills from savings, which are running low. I've owned my home for over 30 years and have good credit. How can I protect my home, and is mortgage forbearance a good option without hurting my credit?I own a condo, and our HOA has issued two large special assessments for roof repairs—first $1,000 per unit for several months, and now another $781 per month. The original contractor was paid and disappeared. Are there government agencies that can investigate or protect owners in this situation, and what rights do I have?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Six Great Money Dates (Article by Dr. Shane Enete - Faithful Steward: Issue 2)Our Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Can We Say Anything Meaningful About a Venezuelan Debt Restructuring? Venezuela must restructure its debt if it, and its new "friends" in Washington DC, want the economy humming again. But how? The debt stock is enormous and the range of claims so vast that normal techniques are unlikely to work. And typically, before anything could happen, the IMF would need to go in and assess the actual situation on the ground. All this takes time. But we imagine that the folks in Washington DC want to declare their adventure a success, and soon. Is that impulse consistent with an orderly, comprehensive debt restructuring? For that matter, what would a restructuring look like if we also assume that Washington wants to line its own pockets with Venezuelan oil revenues, and perhaps to give preferential treatment to oil major creditors (to entice them back into Venezuela)? We don't have answers — but we suspect that those folks in DC don't either. Producer: Leanna Doty

Tommy Mello didn't start with capital, connections, or a safety net. He started buried in debt, staring down failure, and being told he was just months away from going out of business. In this episode of the Disruptors Podcast, Tommy breaks down the raw, unfiltered journey from massive financial pressure to building a billion-dollar home services company. This is not a highlight reel — it's the real story of risk, fear, hard decisions, and the mindset shifts required to scale when everything is on the line. In this episode, you'll learn: Why being “almost broke” forced Tommy to become a better operator. The moment he realized his business could scale far beyond survival. How debt, pressure, and constraint sharpen decision-making. Why systems, leadership, and trust matter more than hustle. The turning points that took him from struggling owner to industry leader. What most entrepreneurs misunderstand about scaling to nine figures and beyond. If you're an entrepreneur, business owner, or operator trying to break through the next ceiling — whether that's your first million or your next hundred million — this episode delivers hard-earned lessons you won't hear anywhere else. From leadership and systems to risk tolerance and long-term vision, Tommy Mello shares exactly what it takes to build something that lasts. Watch the full episode to understand how massive pressure can become the foundation for massive scale.

Stijn Schmitz welcomes Mario Innecco to the show. Mario Innecco is Financial and Macro Economic Analyst, and also host of the ‘Manneco64’ YouTube Channel. The discussion centers on the current bull market in gold and silver, driven by several fundamental factors. Innecco highlights four primary drivers: de-dollarization, global debt challenges, geopolitical uncertainty, and the transition from a paper to a physical precious metals market. The de-dollarization trend is particularly significant, with countries seeking alternatives to the US dollar-dominated system. Central banks are increasingly buying gold, potentially aiming to hold 40% or more of their reserves in physical gold. The massive global debt, now around 300 trillion dollars, is making it increasingly difficult for governments to manage financial obligations, leading to potential financial repression and currency devaluation. Mario emphasizes the importance of the Shanghai Gold Exchange in challenging the traditional Western paper trading markets. The exchange represents a shift towards physical trading, which could fundamentally change how precious metals are valued. He suggests that the transition from a paper to a physical market makes it harder to manipulate gold and silver prices. Looking at potential price targets, Innecco draws parallels with historical bull markets, suggesting gold could reach as high as $8,300 based on previous price movements. He also discusses the possibility of a gold revaluation by the US Treasury, which could provide a financial windfall without adding to the national debt. The conversation extends to silver, which Innecco believes will continue to outperform gold, particularly in the latter stages of the current bull market. He recommends a conservative investment approach, suggesting investors allocate 90% to physical precious metals and 10% to mining stocks. Timestamps: 00:00:00 – Introduction 00:01:12 – Gold’s Fundamental Drivers 00:04:30 – Debt and Financial Repression 00:05:10 – Paper Market Ending 00:09:42 – Silver Market Bifurcation 00:11:01 – Central Bank Buying 00:14:56 – Global Debt Inflation 00:19:51 – Gold Revaluation Potential 00:23:03 – Mystery Gold Flows 00:26:29 – BRICS Currency Remonetization 00:29:00 – Historical Bull Parallels 00:34:26 – Silver Bullish Breakout 00:39:27 – Commodity Rotation Outlook Guest Links: X: https://x.com/maneco1964 YouTube: https://www.youtube.com/c/maneco64 Mario Innecco is a seasoned financial markets and macroeconomics analyst with over 25 years of experience in the industry. He began his career in private banking in Geneva, Switzerland, before spending two decades in the City of London, specializing in exchange-traded derivatives, government bonds, interest rates, and broader economic trends. During this time, he advised major financial institutions and corporate clients on market strategies and risk management. A dedicated proponent of the Austrian School of Economics, Mario founded the maneco64 YouTube channel in November 2015, which serves as a platform for alternative economics and contrarian views. Through his videos, blog articles, and social media, he educates a worldwide audience on the intricacies of the fiat monetary system, financial markets, and the enduring value of precious metals like gold and silver.

Send us a textWhen a young woman faces a deadly diagnosis, she attends a yankee swap of maladies in hopes of swapping one deadly disease for another. She pawns her disease off on a chainsmoking podcaster hoping to win the death pool. On Episode 705 of Trick or Treat Radio our feature presentation is the folk horror flick Mother of Flies from the Adams Family! We also talk about the role belief plays in healing, how inept we feel compared to the creative output of the Adams Family, and we have our coming attraction reaction where we check out the trailers for the films Faces of Death (2026) and Dolly. So grab your sachet of herbs, don't forget to pack the snake eggs, and strap on for the world's most dangerous podcast!Stuff we talk about: Halloween, Robert Englund, Hollywood Walk of Fame, John Carpenter, Tom Savini, The Adams Family, Nipsy Russell, Children of the Damned, Venom, Necromantik, Sorority Babes in the Slimeball Bowl-A-Rama, Lobsterman from Mars, Children of the Corn, Nemesis, Matinee, American Nightmare, Chupacabra Terror, Deadline, Warm Bodies, Trashsploitation, Heather Graham, Suitable Flesh, The Outer Limits, Marc Singer, Beastmaster, Dark Shadows, Donnie Darko, Poltergeist III, House on Haunted Hill, Warriors, Amityville Groundhog's Day, Mike Vrabel, WCW, the AI dilemma, Darren Aronofsky, Faces of Death, renting rated R films while you're in 2nd grade, Traces of Death, Dead Alive Productions, banned in the UK, Dolly, Sean William Scott, old school trailer narrator, Chris Gore, Film Threat, Ethan Suplee, Max the Impaler, Betty Boop, Becky, Sal Buscema, The Incredible Hulk, Spectacular Spider-Man, John Adams, Zelda Adams, Toby Poser, The Fall of the House of Usher, H6LLB6ND6R, Dust Bunny, The Last Boyscout, tick wrangler, Yankee Swap, the phantom pain gimmick, unearthing cars out of snow, how do you ask for a testicular exam?, Silent Night Deadly Night, Rated R for Death Vaginas, Exam Seeking Behavior, and the Yankee Swap of Maladies.Support us on Patreon: https://www.patreon.com/trickortreatradioJoin our Discord Community: discord.trickortreatradio.comSend Email/Voicemail: mailto:podcast@trickortreatradio.comVisit our website: http://trickortreatradio.comStart your own podcast: https://www.buzzsprout.com/?referrer_id=386Use our Amazon link: http://amzn.to/2CTdZzKFB Group: http://www.facebook.com/groups/trickortreatradioTwitter: http://twitter.com/TrickTreatRadioFacebook: http://facebook.com/TrickOrTreatRadioYouTube: http://youtube.com/TrickOrTreatRadioInstagram: http://instagram.com/TrickorTreatRadioSupport the show

In this episode, Dylan Silver interviews Serena Holmes, a multifaceted professional in the real estate and investment space. Serena shares her journey from running Tigris Events for 20 years to becoming an investor agent and capital raising coach. She discusses her initial foray into real estate, which began with a short-term rental in Florida, and how she expanded her portfolio through various investment strategies, including syndicated mortgages and private lending. Serena emphasizes the importance of education and mentorship in navigating the complexities of real estate investing, especially for newcomers looking to raise capital.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Risk and returns are often treated like complex financial theory, but they actually follow simple rules that most people are never taught.In this episode, I break down how risk and returns really work, why “risk-free high returns” are impossible, how to spot scams instantly, and why extreme returns don't belong in your long-term plan, so you can invest with clarity, confidence, and strategy instead of guesswork.Tune in to learn:How risk and returns actually work without you having to be an economist or go get a finance degreeThe counterintuitive thing you must know about understanding risk and how it relates to your portfolioHow to spot a scam immediatelyWhy you can't build extreme returns into your long-term projectionsWhat to do instead

The US State Department has been coordinating far right separatists in Alberta--the imperialism threat to Canada is real. Denmark's debt weapon and the EU's anti-coercion instrument got Trump to temporarily back off of invading Greenland. Why is the fantasy of returning industrial manufacturing so important to the American far right (and some progressives)? The confession of a Biden administration adviser to supporting war crimes in Gaza. And just how bloody is drone warfare? New data from the Russia-Ukraine war reveals something on the order of World War I, with very little to show for it in terms of territorial conquest. Julia Gledhill, Van Jackson, and Matt Duss discuss all that and more in the latest episode of the pod.Subscribe to the Un-Diplomatic Newsletter: https://www.un-diplomatic.com/ Watch Un-Diplomatic Podcast on YouTube: https://www.youtube.com/@un-diplomaticpodcast Disclaimer: The views expressed are those of the individuals and not of any institutions.

Can 1 hour a day make you a millionaire? Bestselling author DAVID BACH reveals how the first-hour rule, retirement investing, passive income ideas, and 401k matching build financial freedom…FAST! David Bach is a 10x New York Times bestselling author and one of America's most trusted financial experts. He has helped millions become financially secure for life, and also serves  as Director of Advisor and Investor Education at AE Wealth Management. He is the consecutive New York Times bestseller with over 7 million books, including books such as: ‘The Automatic Millionaire, 20th Anniversary Edition'.  He explains:  ◼️Why saving $27 a day can outperform earning more money ◼️The phone automation trick that doubles your savings without willpower ◼️The hidden system that keeps most people in debt ◼️The real reason 70% of people stay broke despite earning more ◼️The wealth code for your 20s, 30s, 40s, and 50s (00:00) Intro (02:29) How I Helped Millions Become Millionaires (04:33) How My Grandma Became a Millionaire With an Average Job (09:25) Why Smart Women Finish Rich—And What They Do Differently (12:20) Why Boring Investments Are the Key to Long-Term Wealth (16:02) Why 50% Stay Broke—And How Just 1 Hour a Day Can Change That (19:28) The 70/30 Wealth Rule Millionaires Rely On (22:20) Are Homeowners Really Richer? What the Numbers Say (27:22) Stocks vs. Real Estate: What Builds Wealth Faster? (31:08) Is Buying a House Worth It After All the Hidden Costs? (34:39) Should You Put Your Down Payment Into the S&P 500 Instead? (36:25) Will Buying a House Limit Your Career and Mobility? (40:50) A Proven Framework to Get Out of Debt (42:39) How the Average Person Wastes $10,000 a Year (43:43) How Much You Need to Save Daily to Become a Millionaire (51:47) How to Save Tens of Thousands Without Noticing (54:00) Ad Break (55:03) The Real Dangers of Debt—And How to Escape Them (59:35) The Easiest Way to Boost Your Income Starting Today (1:02:54) Is Wealth Just a Mindset Game? Here's What to Know (1:05:19) How to Grow Your Savings Without Even Realizing It (1:10:16) This Simple Phone Hack Could Save You Hundreds a Month (1:13:24) Should You Invest in Tech Funds Right Now? (1:20:21) Ad Break (1:22:18) 6 Money Mistakes Most Couples Don't Realize They're Making (1:30:24) Why You Must Understand Your Partner's Finances (1:33:40) Why the Next Decade Is the Greatest Money-Making Opportunity Yet (1:36:10) Should You Pay Off Your Mortgage Early or Invest Instead? Enjoyed the episode? Share this link and earn points for every referral - redeem them for exclusive prizes: https://doac-perks.com  Follow David:  Website - https://bit.ly/3ZBpmbB  Instagram - https://bit.ly/3LTngkk  X - https://bit.ly/4t29SLg  YouTube - https://bit.ly/4t5y936  You can purchase ‘The Automatic Millionaire, 20th Anniversary Edition', here: https://amzn.to/4pZYBbH  The Diary Of A CEO: ◼️Join DOAC circle here - https://doaccircle.com/  ◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook  ◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt  ◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb  ◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt  ◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb  Sponsors: Function Health: https://Functionhealth.com/DOAC to sign up for $365 a year. One dollar a day for your health Vodafone - Check out the business.connected series here: https://www.youtube.com/playlist?list=PLn7S5nhm3VOzlPRcOV3ZU30hiiSJ26ozS    Factor: https://factormeals.com/diary50off with code DIARY50OFF

The 5000 Year Leap. Part 3 of 7. A Miracle that Saved the World by Cleon Skousen by W Cleon Skousen (Author) This is the best-selling Original Authorized Edition regularly featured by Glenn Beck to Fox TV viewers as a Must Read! The nation the Founders built is now in the throes of a political, economic, social, and spiritual crisis that has driven many to an almost frantic search for modern solutions. The truth is that the solutions have been available for a long time -- in the writings of our Founding Fathers -- carefully set forth in this timely book. In The 5000 Year Leap: A Miracle That Changed the World, Discover the 28 Principles of Freedom our Founding Fathers said must be understood and perpetuated by every people who desire peace, prosperity, and freedom. Learn how adherence to these beliefs during the past 200 years has brought about more progress than was made in the previous 5000 years. These 28 Principles include The Genius of Natural Law, Virtuous and Moral Leaders, Equal Rights--Not Equal Things, and Avoiding the Burden of Debt.   See all formats and editions  

The 5000 Year Leap. Part 2 of 7. A Miracle that Saved the World by Cleon Skousen by W Cleon Skousen (Author) This is the best-selling Original Authorized Edition regularly featured by Glenn Beck to Fox TV viewers as a Must Read! The nation the Founders built is now in the throes of a political, economic, social, and spiritual crisis that has driven many to an almost frantic search for modern solutions. The truth is that the solutions have been available for a long time -- in the writings of our Founding Fathers -- carefully set forth in this timely book. In The 5000 Year Leap: A Miracle That Changed the World, Discover the 28 Principles of Freedom our Founding Fathers said must be understood and perpetuated by every people who desire peace, prosperity, and freedom. Learn how adherence to these beliefs during the past 200 years has brought about more progress than was made in the previous 5000 years. These 28 Principles include The Genius of Natural Law, Virtuous and Moral Leaders, Equal Rights--Not Equal Things, and Avoiding the Burden of Debt.   See all formats and editions  

The 5000 Year Leap. Part 1 of 7. A Miracle that Saved the World by Cleon Skousen by W Cleon Skousen (Author) This is the best-selling Original Authorized Edition regularly featured by Glenn Beck to Fox TV viewers as a Must Read! The nation the Founders built is now in the throes of a political, economic, social, and spiritual crisis that has driven many to an almost frantic search for modern solutions. The truth is that the solutions have been available for a long time -- in the writings of our Founding Fathers -- carefully set forth in this timely book. In The 5000 Year Leap: A Miracle That Changed the World, Discover the 28 Principles of Freedom our Founding Fathers said must be understood and perpetuated by every people who desire peace, prosperity, and freedom. Learn how adherence to these beliefs during the past 200 years has brought about more progress than was made in the previous 5000 years. These 28 Principles include The Genius of Natural Law, Virtuous and Moral Leaders, Equal Rights--Not Equal Things, and Avoiding the Burden of Debt.   See all formats and editions

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lisa Mulrain. Summary of the Interview On Money Making Conversations Masterclass, Rushion McDonald interviews Lisa Mulrain—CEO of Legacy Building LLC, a financial literacy and legal services entrepreneur with more than 30 years of federal government experience as a securities attorney. Lisa’s mission is to empower individuals and small businesses through financial education, credit repair, debt management, estate planning, and investment strategy. The interview highlights her transition from government attorney to entrepreneur, the purpose behind Legacy Building LLC, and the unique combination of her legal expertise and financial coaching. She breaks down how underserved communities can close knowledge gaps, develop stronger money mindsets, repair credit, invest wisely, and protect assets through estate planning. She also explains the emerging opportunities in tokenized real estate, fractionalized Ginnie Mae securities, and the importance of research before investing. The conversation is highly practical—covering everything from budgeting to Roth IRAs, 401(k) matches, brokerage accounts, credit consolidation, and asset protection through trusts and wills. Lisa stresses empowerment through education and long-term wealth building. Purpose of the Interview 1. To introduce Lisa Mulrain’s financial literacy and legal services mission The interview showcases how Legacy Building LLC helps clients improve credit, manage debt, understand investments, and plan estates. 2. To educate listeners about emerging financial trends Lisa explains tokenized real estate, fractional Ginnie Mae securities, and policy changes that create new wealth-building opportunities. 3. To emphasize financial empowerment for underserved communities She focuses on shifting money mindsets, breaking cycles of scarcity, and building generational wealth. 4. To highlight the importance of estate planning She stresses that wills, trusts, and powers of attorney are foundational—not optional. 5. To offer actionable investing and credit strategies Listeners gain practical tools to start improving their finances immediately. Key Takeaways 1. Financial literacy begins with mindset Before fixing credit, individuals must understand their past beliefs about money and scarcity.Many financial mistakes originate from “lack mentality.” 2. Credit repair requires root-cause analysis Lisa teaches clients to: Identify how they fell into debt Negotiate with creditors Remove charge-offs when possible Avoid repeating harmful financial behaviors 3. Estate planning is essential for everyone—not just older adults A proper estate plan includes: A trust (primary document) A “pour-over” will for missed assets Healthcare proxies & POAs Instructions for managing assets during incapacity or after death Common tragedies—Prince, Aretha Franklin, Michael Jackson—show how lack of planning complicates estates. 4. Invest intentionally and consistently Key investment tools Lisa recommends: Maximize 401(k) contributions, especially employer matches Favor S&P 500 index options in retirement plans Fund a Roth IRA for tax-free growth Open brokerage accounts with established firms (e.g., Schwab, Fidelity) Buy fractional shares to invest even with small amounts Focus on time in the market, not timing the market 5. Tokenized real estate and fractionalized Ginnie Mae securities are groundbreaking Lisa explains how changes in federal policy and crypto infrastructure enable new low-barrier investment opportunities—such as Ginnie Mae-backed fractional securities for as little as $50. 6. Research, research, research Before buying any stock, investors should monitor: Long-term trends Earnings calls Layoffs (strategy vs. crisis) Market cycles Influential investors’ moves 7. Legacy Building LLC merges financial education + legal protection Her dual firms allow clients to: Learn how to build wealth Legally protect their assets Create generational stability 8. Wealth building requires discipline—not brand-driven spending She warns against sinking money into luxury goods without appreciating assets to match. Notable Quotes (All pulled directly from the transcript.) On why she does this work “Helping people has always been at my core.” “I wanted to get involved in finance because that was the one central factor that made the difference between the haves and the have nots.” On mindset & credit “Let’s examine your money mindset.” “We adopt a lack mentality… we already start from a place of ‘we don’t have it.’” On estate planning “Whatever you’ve accumulated… you don’t have a plan.” “It could take years for it to go through probate.” “Your trust is the main document.” On investing “You are leaving money on the table if you don’t get that 401(k) match.” “Don’t time the market… it’s about time in the market.” “Scare money don’t make money.” On financial habits “Be diligent in your acquisitions.” “You cannot make any money if you are not investing. Period.” On opportunities in new investment tech “Tokenized real estate is very new and novel… real physical assets backing crypto.” “Ginnie Mae securities are now eligible for fractionalized shares… with guaranteed repayment.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lisa Mulrain. Summary of the Interview On Money Making Conversations Masterclass, Rushion McDonald interviews Lisa Mulrain—CEO of Legacy Building LLC, a financial literacy and legal services entrepreneur with more than 30 years of federal government experience as a securities attorney. Lisa’s mission is to empower individuals and small businesses through financial education, credit repair, debt management, estate planning, and investment strategy. The interview highlights her transition from government attorney to entrepreneur, the purpose behind Legacy Building LLC, and the unique combination of her legal expertise and financial coaching. She breaks down how underserved communities can close knowledge gaps, develop stronger money mindsets, repair credit, invest wisely, and protect assets through estate planning. She also explains the emerging opportunities in tokenized real estate, fractionalized Ginnie Mae securities, and the importance of research before investing. The conversation is highly practical—covering everything from budgeting to Roth IRAs, 401(k) matches, brokerage accounts, credit consolidation, and asset protection through trusts and wills. Lisa stresses empowerment through education and long-term wealth building. Purpose of the Interview 1. To introduce Lisa Mulrain’s financial literacy and legal services mission The interview showcases how Legacy Building LLC helps clients improve credit, manage debt, understand investments, and plan estates. 2. To educate listeners about emerging financial trends Lisa explains tokenized real estate, fractional Ginnie Mae securities, and policy changes that create new wealth-building opportunities. 3. To emphasize financial empowerment for underserved communities She focuses on shifting money mindsets, breaking cycles of scarcity, and building generational wealth. 4. To highlight the importance of estate planning She stresses that wills, trusts, and powers of attorney are foundational—not optional. 5. To offer actionable investing and credit strategies Listeners gain practical tools to start improving their finances immediately. Key Takeaways 1. Financial literacy begins with mindset Before fixing credit, individuals must understand their past beliefs about money and scarcity.Many financial mistakes originate from “lack mentality.” 2. Credit repair requires root-cause analysis Lisa teaches clients to: Identify how they fell into debt Negotiate with creditors Remove charge-offs when possible Avoid repeating harmful financial behaviors 3. Estate planning is essential for everyone—not just older adults A proper estate plan includes: A trust (primary document) A “pour-over” will for missed assets Healthcare proxies & POAs Instructions for managing assets during incapacity or after death Common tragedies—Prince, Aretha Franklin, Michael Jackson—show how lack of planning complicates estates. 4. Invest intentionally and consistently Key investment tools Lisa recommends: Maximize 401(k) contributions, especially employer matches Favor S&P 500 index options in retirement plans Fund a Roth IRA for tax-free growth Open brokerage accounts with established firms (e.g., Schwab, Fidelity) Buy fractional shares to invest even with small amounts Focus on time in the market, not timing the market 5. Tokenized real estate and fractionalized Ginnie Mae securities are groundbreaking Lisa explains how changes in federal policy and crypto infrastructure enable new low-barrier investment opportunities—such as Ginnie Mae-backed fractional securities for as little as $50. 6. Research, research, research Before buying any stock, investors should monitor: Long-term trends Earnings calls Layoffs (strategy vs. crisis) Market cycles Influential investors’ moves 7. Legacy Building LLC merges financial education + legal protection Her dual firms allow clients to: Learn how to build wealth Legally protect their assets Create generational stability 8. Wealth building requires discipline—not brand-driven spending She warns against sinking money into luxury goods without appreciating assets to match. Notable Quotes (All pulled directly from the transcript.) On why she does this work “Helping people has always been at my core.” “I wanted to get involved in finance because that was the one central factor that made the difference between the haves and the have nots.” On mindset & credit “Let’s examine your money mindset.” “We adopt a lack mentality… we already start from a place of ‘we don’t have it.’” On estate planning “Whatever you’ve accumulated… you don’t have a plan.” “It could take years for it to go through probate.” “Your trust is the main document.” On investing “You are leaving money on the table if you don’t get that 401(k) match.” “Don’t time the market… it’s about time in the market.” “Scare money don’t make money.” On financial habits “Be diligent in your acquisitions.” “You cannot make any money if you are not investing. Period.” On opportunities in new investment tech “Tokenized real estate is very new and novel… real physical assets backing crypto.” “Ginnie Mae securities are now eligible for fractionalized shares… with guaranteed repayment.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

In this episode, I talk with Cody Berman and Sean Mulaney about what it really takes to reach early financial independence. Cody shares how he built a $4.8 million net worth by 29 through frugal living, intentional spending, and creating multiple income streams, while Sean breaks down the smartest tax strategies early retirees use to access money sooner and keep more of what they earn. We cover how to effectively use 401(k)s, Roth IRAs, HSAs, and taxable accounts together, plus key tactics like the Rule of 55, Roth conversions, and tax arbitrage that can dramatically lower your lifetime tax rate. Sean makes complex tax planning simple and actionable for anyone pursuing FIRE. Whether you're just starting your wealth-building journey or planning an early retirement, this episode delivers practical strategies to grow wealth faster and design a flexible, purpose-driven financial future. CHAPTERS