Podcasts about debt first

Are you struggling with debt and unsure if you should start investing? In this episode of Horizon Adviser Unleashed, hosts Ryan and Alex tackle this common dilemma head-on. They explore why paying down debt should be your top priority and provide practical strategies to help you become debt-free before diving into the world of investing.

This week: Farnoosh offers her best relationship insights after 11 years of marriage (not financial advice, but hey!) Plus, several investing questions from the audience, including whether to cash out a low-performing portfolio, how to balance investing for retirement and paying off debt. Also, what's the deal with pet insurance? Worth it? Sign up for Farnoosh's newsletter Pre-order A Healthy State of Panic and immediately access her Scared Smart video and workbook lesson plan. Questions on this episode originally aired on Feb 3. Learn more about your ad choices. Visit megaphone.fm/adchoices

Reddit rSlash Storytime r amithejerk? where AITA for denying an older woman shelter from a storm? **AITA for asking someone to silence their phone at a restaurant **AITA for reporting a mother and her glitter monster to a flight attendant? **AITA for yelling at my (F27) wife for taking our two young kids into poor air quality after she was warned not to? **AITA for taking a Bluetooth speaker with me when I camp? **AITA My best friend picked her wedding date on the one date I couldn't do **AITA For putting realistic fake spiders all over my room to stop my cousins from barging in? **AITA for not letting my parents visit my son for a month after he was born **AITA for telling someone i'm not friendly when their dog came up to me **AITA for not going to my brother and now SIL's Wedding and for calling my SIL a fat bench? **AITA for telling my half brother the reason why my mom wants nothing to do with him? AITA for not wanting my girlfriend to repay her school loans to her parents? Hosted on Acast. See acast.com/privacy for more information.

Mark Dennis with Financial Finesse asks if you should save for retirement or pay off debt first Episode 2285: Should You Save More For Retirement Or Pay Off Debt First? by Mark Dennis After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2018/03/29/should-you-save-more-for-retirement-or-pay-off-debt-first/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Dennis with Financial Finesse asks if you should save for retirement or pay off debt first Episode 2285: Should You Save More For Retirement Or Pay Off Debt First? by Mark Dennis After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2018/03/29/should-you-save-more-for-retirement-or-pay-off-debt-first/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Dennis with Financial Finesse asks if you should save for retirement or pay off debt first Episode 2285: Should You Save More For Retirement Or Pay Off Debt First? by Mark Dennis After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor's. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They've helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2018/03/29/should-you-save-more-for-retirement-or-pay-off-debt-first/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever found yourself with multiple debts and struggled to decide which one to pay off first? Should you focus on paying off high-interest debt, the smallest balance, or 0% interest debt? Paying off 0% interest debt first can be a dilemma for some people. While it may seem logical to pay off high-interest debt or the smallest balance first, there are situations where paying off 0% interest debt makes more sense. In this episode, Ashley will discuss when it may be beneficial to pay off 0% interest debt before high-interest debt or the smallest balance debt, and how to determine if this strategy is the right choice for your individual financial situation. Hosting Today: Hey, I'm Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I'm a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “General advice, you know, the debt snowball method, which is focusing on the smallest balance works for most people and a lot of different situations, but it's not a one size fits all. Right? And so sometimes we want to follow the rules so to speak and do things the right way, but that's not always the case because we have different situations. So it's okay to deviate from the plan to fit your situation better.” - Ashley Patrick Timestamps: 00:00 - Introduction to today's episode 01:46 - Meet Jen 05:46 - Feeling stuck and falling behind 07:21 - Paying off 0% interest debt first 10:36 - Building up an emergency fund 11:22 - Jen's 24 hour action steps 16:18 - Paying by paycheck 18:18 - Last words of wisdom If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes Resources and Links Mentioned: * Money Success Club waitlist - www.budgetsmadeeasy.com/msc * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Trying to manage and pay down past debt can be intimidating, but there are some simple steps you can take to get the process started. Your Money Briefing's week-long series on getting yourself out of debt kicks off with My Financial Planner founder Stephanie Genkin, who joins host J.R. Whalen to discuss ways of approaching the process while still paying your current bills and even setting aside some money for savings. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are in a serious inflationary spiral right now and as real estate investors, we need to understand that the effects we are seeing and experiencing vary from one market to another.    Listen to this episode to learn more about what these factors are, what's really going on, and what we should be expecting in the months to come!   Key Talking Points of the Episode 01:11 What is the NAR saying about home prices? 03:23 What are new home builders experiencing today? 07:58 How can you see what's really happening in different markets? 09:50 What news do we have on Wall Street and the crypto market? 11:10 What is the importance of investing directly? 14:06 How can income properties save your money? 15:56 Should the government continue getting involved in the rental market? 17:46 What are the bubble possibilities in different markets today? 21:40 What is the Hartman Comparison Index? 24:59 What are the 3 types of markets in the country? 30:20 What are the dogs that aren't barking today? 33:35 What does housing inventory look like today in the US? 36:50 Why is it unlikely that a crash will happen soon? 40:58 Are we in a similar situation as the recession in 2008? 43:45 What can you compare real estate values with? 48:48 What happened to the economy during COVID? 51:33 Why should you be careful with your comparisons? 54:58 What makes the CPI misleading? 57:38 Where can you find the real inflation numbers? 01:01:36 Why do we feel like housing prices are unreasonable? 01:04:16 Does house pricing really matter? 01:06:12 What does affordability have to do with the rental market?   Quotables   “With income property, you're going to make money and even if you don't, even if you breakeven, at least you're not gonna lose.” - Jason Hartman   “The game of real estate, as we all know for a season, is that over time, the prices are going to be higher than they are today.” - Jason Hartman   “People are so myopic because they are making bad comparisons. They're comparing things to the way they were a year or two years ago, that is not the right comparison.” - Jason Hartman   “Anything in the world can be valued by 2 things – utility and scarcity.” - Jason Hartman   “The thing you always need to understand is that rents lag prices by a good 2 years, maybe really 3 years or more, it depends where.” - Jason Hartman   Links   Website: Empowered Investor Live https://www.empoweredinvestor.com/live   Website: Jason Hartman https://www.jasonhartman.com   Book: Debt: the First 5000 Years https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290   Website: Shadow Government Statistics http://www.shadowstats.com/

Afinal, o que é o dinheiro? Qual a sua relação com a ideia de "token"? Só seres humanos compreendem a troca de dinheiro por coisas? O que a ciência tem a dizer sobre isso tudo?Confira o papo entre o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.> OUÇA (54min 07s)*Naruhodo! é o podcast pra quem tem fome de aprender. Ciência, senso comum, curiosidades, desafios e muito mais. Com o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.Edição: Reginaldo Cursino.http://naruhodo.b9.com.br*PARCERIA: ALURAAprofunde-se de vez: garantimos conhecimento com profundidade e diversidade, para se tornar um profissional em T - incluindo programação, front-end, data science, devops, ux & design, mobile, inovação & gestão.Navegue sua carreira: são mais de 1300 cursos e novos lançamentos toda semana, além de atualizações e melhorias constantes.Conteúdo imersivo: faça parte de uma comunidade de apaixonados por tudo que é digital. Mergulhe na comunidade Alura.Aproveite o desconto para ouvintes Naruhodo no link:https://bit.ly/naruhodo_alura*REFERÊNCIASLong-run Effects of Lottery Wealth on Psychological Well-beinghttps://www.nber.org/papers/w24667The measurement of welfare and well-being: the Leyden approachhttps://pure.uva.nl/ws/files/3148285/8399_The_measurement_of_welfare_and_well_being_The_Leyden_Approach_Praag_.pdfBuying time promotes happinesshttps://www.pnas.org/doi/10.1073/pnas.1706541114We'll Always Have Paris: The Hedonic Payoff from Experiential and Material Investmentshttps://static1.squarespace.com/static/5394dfa6e4b0d7fc44700a04/t/547d571fe4b094d782c0e634/1417500738967/Gilovich+Kumar+%28in+press%29+Always+Have+Paris+Advances.pdfStigmatizing Materialism: On Stereotypes and Impressions of Materialistic and Experiential Pursuitshttps://journals.sagepub.com/doi/abs/10.1177/0146167210362790?journalCode=pspcWaiting for Merlot: Anticipatory Consumption of Experiential and Material Purchaseshttps://journals.sagepub.com/doi/abs/10.1177/0956797614546556?journalCode=pssaSpending Money on Others Promotes Happinesshttps://www.science.org/doi/10.1126/science.1150952Does spending money on others promote happiness?: A registered replication report.https://psycnet.apa.org/doiLanding?doi=10.1037%2Fpspa0000191Prosocial Spending and Well-Being: Cross-Cultural Evidence for a Psychological Universalhttps://dash.harvard.edu/bitstream/handle/1/11320609/aknin%2Cet-al_prosocial_JPSP.pdf?sequence=1Making a difference matters: Impact unlocks the emotional benefits of prosocial spendinghttps://www.sciencedirect.com/science/article/pii/S0167268113000176TOKEN REINFORCEMENT: A REVIEW AND ANALYSIShttps://onlinelibrary.wiley.com/doi/abs/10.1901/jeab.2009.91-257?casa_token=zQyRLtltys4AAAAA:G_UotK2fXK44D8yPDqzlmXZW_CKusBjH9ocK6JMyfYDHzV7dFFywyg6GuBfh26fr0nksYEX-VvSlXBvwPreference Transitivity and Symbolic Representation in Capuchin Monkeys (Cebus apella)https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0002414RISKY CHOICE IN PIGEONS: PREFERENCE FOR AMOUNT VARIABILITY USING A TOKEN-REINFORCEMENT SYSTEMhttps://onlinelibrary.wiley.com/doi/abs/10.1901/jeab.2012.98-139?casa_token=AO_1inAQE3oAAAAA:6Q6PM7i6St3zaqUHmvxyYUK61yAVdzM1zLt9LR5dCWGSBWSWfZxuYafny1dyfXfUINVOF4laNzglmQJMSubstitution effects in a generalized token economy with pigeonshttps://onlinelibrary.wiley.com/doi/abs/10.1002/jeab.231?casa_token=dl0Q1BUkfpIAAAAA:m8S3VXAUx7CscNLsW5iGrWy8mwZEmmEO5O8ZAnnDAQ7h2bnyn1aXTPm7Jtf4jZAcf7RB3REp1TPj7SCmA meta-analytic investigation of consumer over-indebtedness: The role of impulsivityhttps://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12570?casa_token=576VSF7GUDcAAAAA:-icBOH3mqjCwQJnJsafk8Nf9y23bxnZKJClQ-ouSzG47PEBia7Gqk6_HEu8rnr4EfxkN0Ba9TMb_zesdVideo game loot boxes are psychologically akin to gamblinghttps://www.nature.com/articles/s41562-018-0360-1Adolescents and loot boxes: links with problem gambling and motivations for purchasehttps://royalsocietypublishing.org/doi/full/10.1098/rsos.190049On the Psychology of TikTok Use: A First Glimpse From Empirical Findingshttps://www.frontiersin.org/articles/10.3389/fpubh.2021.641673/fullThe Myth of the Myth of the Myth of Barter and the Return of the Armchair Ethnologistshttps://bellacaledonia.org.uk/2016/06/08/the-myth-of-the-myth-of-the-myth-of-barter-and-the-return-of-the-armchair-ethnologists/Viewing personalized video clips recommended by TikTok activates default mode network and ventral tegmental areahttps://www.sciencedirect.com/science/article/pii/S1053811921004134How Physical Education through TikTok Makes a Difference: The Use of TikTok to Promote Learning Activitieshttps://www.researchgate.net/profile/Eka-Novita-Sari/publication/359669497_How_Physical_Education_through_TikTok_Makes_a_Difference_The_Use_of_TikTok_to_Promote_Learning_Activities/links/624a3b8221077329f2f04ad8/How-Physical-Education-through-TikTok-Makes-a-Difference-The-Use-of-TikTok-to-Promote-Learning-Activities.pdfDebt: The First 5,000 Yearshttps://www.amazon.com/Debt-First-5-000-Years/dp/1933633867Naruhodo #64 - Salário maior significa mais felicidade?https://www.youtube.com/watch?v=0t4c3kR1WEw&ab_channel=Cient%C3%ADstica%26PodcastNaruhodoNaruhodo #261 - O que a solidão pode causar nas pessoas?https://www.youtube.com/watch?v=02dPRPGcqVs&ab_channel=Cient%C3%ADstica%26PodcastNaruhodoNaruhodo #341 - Cooperação entre seres vivos é algo inato?https://www.youtube.com/watch?v=N4mL78Sm-_8&ab_channel=Cient%C3%ADstica%26PodcastNaruhodo*APOIE O NARUHODO PELA PLATAFORMA ORELO!Um aviso importantíssimo: o podcast Naruhodo agora está no Orelo: https://bit.ly/naruhodo-no-oreloE é por meio dessa plataforma de apoio aos criadores de conteúdo que você ajuda o Naruhodo a se manter no ar.Você escolhe um valor de contribuição mensal e tem acesso a conteúdos exclusivos, conteúdos antecipados e vantagens especiais.Além disso, você pode ter acesso ao nosso grupo fechado no Telegram, e conversar comigo, com o Altay e com outros apoiadores.E não é só isso: toda vez que você ouvir ou fizer download de um episódio pelo Orelo, vai também estar pingando uns trocadinhos para o nosso projeto.Então, baixe agora mesmo o app Orelo no endereço Orelo.CC ou na sua loja de aplicativos e ajude a fortalecer o conhecimento científico.https://bit.ly/naruhodo-no-orelo

S A U N A I E Presents D E B T DON'T LiVE HERE ANYMORE Quotes: Wake Up With Determination & Go to Sleep with Satisfaction. 2nd: Regret is the thing we should fear most. Failure is an Answer. Rejection is an Answer. Regret is an Eternal Question you will never have the answer to. S E G M E N T S: DEBT DON'T LiVE HERE ANYMORE & 8 Tips - Americans are BURiED in Debt from Mortgages, Credit Cards, Personal Loans, Bills, and Student Loans, and the amount owed in total is on the rise. - In 2020, Experian reported that the average American owes approximately $92,727 in Total Debt—that's highest amount on record in the U.S. - Members of Generation X owes about $140,643, followed by Baby Boomers ($97,290) and Millennials ($87,448). Financial experts often recommend two ways to tackle debt. - The "Avalanche" method and the "Snowball" method. - An Avalanche approach means you Pay Off your Loans or Credit Cards with the Highest interest Rates First. You throw as much money as you can at them, and pay only the minimum on all your other loans. - The Snowball approach has you Tackle the Lowest Amount of Debt First, Pay it Off, and then Tackle the Next Loan. 2ND SEGMENT: Tips On Eliminating Debt 1. F A C E F A C T S - If you've been trying to make bills vanish by throwing them away unopened, then the 1st step is Accountability. You knew what you signed up for, this isn't your 1st rodeo or maybe it is but avoiding your bills won't make them go away. - Clear off your Desk or kitchen table and get out all your Loan Statements, Bills, & Budget—basically everything you can think of that relates to your Finances. Start Adding. 2. R E P A Y M E N T - Not all Debts are Created Equal. When making Your Plan, You'll need to Establish a Hierarchy among Your Debts & make a Plan Of Attack. Experts say to Target the High-interest Debt 1st; Non-Deductible, Low-interest Debt Next; and Tax-Deductible Debt Last. 3. Get The Damage Report - Check your credit Score and review your credit report for inaccuracies or patterns of bad behavior. You can get your credit rating the same way lenders, and landlords do—from each of the three credit bureaus - Experian, Equifax, and TransUnion. 4. Gaining Control - Get rid of Troublesome Accounts and Pay Down your overall debt on time. Use Automatic Payments & Tighten Up your Budget to get your debt under control. This will keep your credit rating from getting worse and, over time, will improve it. 5. Doubling Down - Whenever possible, Double Up the payments on your highest-interest debt. Although it's not quite as efficient as consolidating, Doubling Up on payments can speed up the payback period. Once you've eliminated the highest-interest debt, double up payments on the next-highest debt. This strategy is called a Debt Avalanche. H o u s e k e e p i n g New Merch is out - > www.SAUNAIE.com/store/ Digit Link - > https://digit.co/r/Z1jPwzPBzN?ad&twb=true --- Send in a voice message: https://anchor.fm/saunaie/message Support this podcast: https://anchor.fm/saunaie/support

Dear Dave, My husband and I have paid off all our credit card debt, and we are following your Baby Steps plan. We still owe about ,000 on two cars, and our combined income is around 0,000. Since we have a good income, we were thinking about finishing our emergency fund and contributing to our IRAs while we finish off the car payments. Under the circumstances, is this okay? Paola Dear Paola, I understand the temptation you guys are facing. But there's a power in behavior modification on a short-term basis that supersedes the power of mathematics. Stick to the...Article Link

We've been hearing about blockchain and Web3 for years now, but its heyday is sooner than you think. In this episode, Will and Jonathan discuss why NOW is the time to dig into blockchain, how those in Dev Ops can approach these new technologies (and not get overwhelmed), and what Jonathan learned from a, well, “crazy” interview. In This Episode Why RIGHT NOW is the time to understand block chain (it's not a fad anymore!) How Dev Ops peeps should think about and approach blockchain (free resources!) The KEY difference between blockchain and crypto What Jonathan learned from an oddball interviewer (and the ethics of blockchain in general) Sponsors Top End Devs (https://topenddevs.com/) Coaching | Top End Devs (https://topenddevs.com/coaching) Links The craziest interview ever - Jonathan Hall (https://jhall.io/archive/2021/08/23/the-craziest-interview-ever/) Picks Jonathan- Debt: The First 5,000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1933633867/ref=sr_1_3?keywords=Debt%3A+The+First+5000+Years&qid=1643334909&s=books&sr=1-3) Jonathan- “Bad Hair Day” by Weird Al (https://amzn.to/3r649Go) Will- The Tim Ferris Podcast with Naval Ravikant and Chris Dixon (https://tim.blog/2021/10/28/chris-dixon-naval-ravikant/)

Welcome to episode one hundred of Activist #MMT. Phew! Today I talk with standup comedian and progressive video podcaster, . When there's not a global pandemic, Ron and Graham Elwood join together for a comedy tour. They've traveled all over the United States as well as Australia. I had the pleasure of seeing them twice in Philadelphia in 2019. The third time would have been October 9th, 2021, were it not for the Delta variant... and our government not doing anything about... well, anything. Today, Ron and I talk about how he discovered MMT, especially through . It was recommended to him by Steven Hail, over beers the day after a live show with Graham in Adelaide, Australia, in late 2019. After describing his journey to MMT, Ron then expresses two of his concerns about MMT, regarding how to apply the theory and also with some of the practices of a small amount of its supporters. Among many other things, Ron and I dig into the major (but cordial!) disagreement we've had ever since . Despite knowing that taxes don't pay for stuff at the national level, Ron believes strongly that leveraging the idea is a valuable political messaging tool. I say it's counterproductive. Really counterproductive. Take a listen and see what you think. Beyond economics and politics, Ron and I share a love of music. For the past three years, I've been a small part of nearly every Ron Placone video and podcast, providing harmony for his theme song. In fact, the day this episode was recorded was the first that a new, more laid-back version of his theme, with new harmony, was debuted. Finally, at the very end of today's episode, after the closing theme music, you will hear Ron and my live performances in Philadelphia. We sing (the original version) of , and then . Ron is on the guitar and lead vocals, and I sing harmony, whistle, and play percussion. (With a big thanks to Geoff Ginter, the person who introduced me to MMT, for the guitar.) You'll find links to several episodes of Ron's show over the past three years, with both me and Steven Hail, in the show notes. A final thing regarding today's episode: a minor kind-of correction: the person with Steven Hail in Australia was Phil Lawn. I also want to mention that, as always, you will a find a duplicate of today's spoken introduction at the very (very) end of the episode. (It normally comes after the closing theme music.) This is for those who wish to hear it without even quiet music in the background. I started this more than a year ago at listener request. You can contact me directly on Twitter or at . If you like what you hear, please consider becoming a monthly patron of Activist #MMT. For as little as a dollar a month, all patrons get super-early access to nearly every episode. They also get the opportunity to ask my academic guests questions, and they also support the development of my , among several other things. To become a partition, you can start by visiting . Thanks. And now, onto my conversation with Ron Placone. Enjoy. Resources The where this episode comes from. Ron interviews Steven Hail in October, 2020: Some of my appearances on Ron's show:

Welcome to episode one hundred of Activist #MMT. Phew! Today I talk with standup comedian and progressive video podcaster, Ron Placone. When there's not a global pandemic, Ron and Graham Elwood join together for a comedy tour. They've traveled all over the United States as well as Australia. I had the pleasure of seeing them twice in Philadelphia in 2019. The third time would have been October 9th, 2021, were it not for the Delta variant... and our government not doing anything about... well, anything. Today, Ron and I talk about how he discovered MMT, especially through David Graeber's 2011 book DEBT. It was recommended to him by Steven Hail, over beers the day after a live show with Graham in Adelaide, Australia, in late 2019. After describing his journey to MMT, Ron then expresses two of his concerns about MMT, regarding how to apply the theory and also with some of the practices of a small amount of its supporters. Among many other things, Ron and I dig into the major (but cordial!) disagreement we've had ever since meeting in August of 2018. Despite knowing that taxes don't pay for stuff at the national level, Ron believes strongly that leveraging the idea is a valuable political messaging tool. I say it's counterproductive. Really counterproductive. Take a listen and see what you think. Beyond economics and politics, Ron and I share a love of music. For the past three years, I've been a small part of nearly every Ron Placone video and podcast, providing harmony for his theme song. In fact, the day this episode was recorded was the first that a new, more laid-back version of his theme, with new harmony, was debuted. Finally, at the very end of today's episode, after the closing theme music, you will hear Ron and my live performances in Philadelphia. We sing (the original version) of Ron's theme song, and then our cover of Tom Petty's Last Dance for Mary Jane. Ron is on the guitar and lead vocals, and I sing harmony, whistle, and play percussion. (With a big thanks to Geoff Ginter, the person who introduced me to MMT, for the guitar.) You'll find links to several episodes of Ron's show over the past three years, with both me and Steven Hail, in the show notes. A final thing regarding today's episode: a minor kind-of correction: the person with Steven Hail in Australia was Phil Lawn. I also want to mention that, as always, you will a find a duplicate of today's spoken introduction at the very (very) end of the episode. (It normally comes after the closing theme music.) This is for those who wish to hear it without even quiet music in the background. I started this more than a year ago at listener request. You can contact me directly on Twitter or at activistmmt@gmail.com. If you like what you hear, please consider becoming a monthly patron of Activist #MMT. For as little as a dollar a month, all patrons get super-early access to nearly every episode. They also get the opportunity to ask my academic guests questions, and they also support the development of my large collection of learn-MMT resources, among several other things. To become a partition, you can start by visiting patreon.com/activistmmt. Thanks. And now, onto my conversation with Ron Placone. Enjoy. Resources The original unedited video where this episode comes from. Ron interviews Steven Hail in October, 2020: Full video Segment: An MMT Q and A Segment: Do politicians pretend to not understand MMT? Segment: The importance of MMT for a Green New Deal Segment: How to push for an MMT future outside of electoral politics Some of my appearances on Ron's show: My original appearance: August, 2018 May 2020 MMT Monday, July 2021

When you are thinking of planning for retirement, or even financial freedom, is a marathon. That's why is highly important to break down your financial into small goals. Have complete strategic plan on your whether you are thinking of saving for car, house, education etc. For some you might be thinking of investing into ETFs, property etc. Whatever the reason might be consider it a marathon. In this video I will be sharing some personal tips I used and learn from my mentors regarding setting myself for success with saving, investing, get out or staying debt FREE. WATCH ON YOUTUBE *Business inquiries | neeceelexy@gmail.com ▼ ▽WHAT TO WATCH NEXT ▼ ▽ Subscribe Now | www.youtube.com/c/neeceelexy If you find the content helpful. You can support our channel growth by donating. Thank you for your support.

Do you want to save or pay off debt first? It's a tough question and one that we all need to answer. I go over the pros and cons of both options in this episode, so you can make the best decision for your personal situation!Grab your FREE money tracker at http://trackingmycoins.com

Last week, Tesla announced they will no longer accept Bitcoin as payment for vehicles. In a timely episode, Alex Gladstein, chief strategy officer at the Human Rights Foundation, and James McGinniss, CEO and co-founder of David Energy, come onto the show to discuss Bitcoin, the petrodollar, and how to contextualize the energy usage of the first cryptocurrency (BTC) versus the leading fiat currency (USD). Show highlights: their backgrounds and how they became interested in the intersection of currency and energy usage why Alex and James really think Tesla stopped accepting BTC as payment why James thinks Bitcoin's energy intensity is a “feature, not a bug”  Alex on the history of the petrodollar and how the USD in recent decades has been tied to fossil fuel production comparing the carbon cost of a dollar to Bitcoin's energy consumption what both James and Alex think of the Square and Ark Invest research paper saying renewable energy production could be tied with Bitcoin mining why measuring Bitcoin's energy usage is difficult how Bitcoin mining in China is changing for the better how the Biden administration might impact Bitcoin where to find more information on Bitcoin and energy consumption   Thank you to our sponsors!   E&Y: https://ey.com/globalblockchainsummit  Crypto.com: https://crypto.onelink.me/J9Lg/unchainedcardearnfeb2  Kyber Network: Dmm.exchange    Episode Links   People: Alex Gladstein Twitter: https://twitter.com/gladstein Human Rights Foundation: https://hrf.org/  James McGinniss Twitter: https://twitter.com/James_McGinniss David Energy: https://www.davidenergy.com/    Recommended Reads: “Uncovering the Hidden Cost of the Petrodollar” by Alex Gladstein https://bitcoinmagazine.com/culture/the-hidden-costs-of-the-petrodollar  “Think BTC is a Dirty Business? Consider the Carbon Cost of a Dollar” by Susan Su https://susanfsu.medium.com/think-btc-is-a-dirty-business-consider-the-carbon-cost-of-a-dollar-c38122fb55c5  “Bitcoin is Key to an Abundant, Clean Energy Future” by Square and Ark Invest https://assets.ctfassets.net/2d5q1td6cyxq/2D2BnksJjavw4a6SUvAPwZ/c42a9e3a520b0cc3b230cda3b43eead5/BCEI_White_Paper_.pdf  Elisabeth Steyn thread on Tesla and energy credits https://twitter.com/Elisabeth_Steyn/status/1392799067986554880 “Tesla seeks entry into U.S. renewable fuel credit market” by Reuters https://www.reuters.com/business/sustainable-business/exclusive-tesla-seeks-entry-into-us-renewable-fuel-credit-market-sources-2021-05-12/ “Debt” by David Graeber https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290  Others: Bitcoin energy consumption index https://digiconomist.net/bitcoin-energy-consumption/ Cambridge study on cryptoassets https://www.jbs.cam.ac.uk/wp-content/uploads/2021/01/2021-ccaf-3rd-global-cryptoasset-benchmarking-study.pdf Triffin Dilemma https://dailyreckoning.com/the-triffin-dilemma/   Alex Gladstein's Recommended Follows: Nic Carter https://twitter.com/nic__carter Lyn Alden https://twitter.com/LynAldenContact Susan Su https://twitter.com/susanfsu Luke Gromen https://twitter.com/LukeGromen Michael Hudson https://twitter.com/michaelwhudson

Last week, Tesla announced they will no longer accept Bitcoin as payment for vehicles. In a timely episode, Alex Gladstein, chief strategy officer at the Human Rights Foundation, and James McGinniss, CEO and co-founder of David Energy, come onto the show to discuss Bitcoin, the petrodollar, and how to contextualize the energy usage of the first cryptocurrency (BTC) versus the leading fiat currency (USD). Show highlights: their backgrounds and how they became interested in the intersection of currency and energy usage why Alex and James really think Tesla stopped accepting BTC as payment why James thinks Bitcoin’s energy intensity is a “feature, not a bug”  Alex on the history of the petrodollar and how the USD in recent decades has been tied to fossil fuel production comparing the carbon cost of a dollar to Bitcoin’s energy consumption what both James and Alex think of the Square and Ark Invest research paper saying renewable energy production could be tied with Bitcoin mining why measuring Bitcoin’s energy usage is difficult how Bitcoin mining in China is changing for the better how the Biden administration might impact Bitcoin where to find more information on Bitcoin and energy consumption   Thank you to our sponsors!   E&Y: https://ey.com/globalblockchainsummit  Crypto.com: https://crypto.onelink.me/J9Lg/unchainedcardearnfeb2  Kyber Network: Dmm.exchange    Episode Links   People: Alex Gladstein Twitter: https://twitter.com/gladstein Human Rights Foundation: https://hrf.org/  James McGinniss Twitter: https://twitter.com/James_McGinniss David Energy: https://www.davidenergy.com/    Recommended Reads: “Uncovering the Hidden Cost of the Petrodollar” by Alex Gladstein https://bitcoinmagazine.com/culture/the-hidden-costs-of-the-petrodollar  “Think BTC is a Dirty Business? Consider the Carbon Cost of a Dollar” by Susan Su https://susanfsu.medium.com/think-btc-is-a-dirty-business-consider-the-carbon-cost-of-a-dollar-c38122fb55c5  “Bitcoin is Key to an Abundant, Clean Energy Future” by Square and Ark Invest https://assets.ctfassets.net/2d5q1td6cyxq/2D2BnksJjavw4a6SUvAPwZ/c42a9e3a520b0cc3b230cda3b43eead5/BCEI_White_Paper_.pdf  Elisabeth Steyn thread on Tesla and energy credits https://twitter.com/Elisabeth_Steyn/status/1392799067986554880 “Tesla seeks entry into U.S. renewable fuel credit market” by Reuters https://www.reuters.com/business/sustainable-business/exclusive-tesla-seeks-entry-into-us-renewable-fuel-credit-market-sources-2021-05-12/ “Debt” by David Graeber https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290  Others: Bitcoin energy consumption index https://digiconomist.net/bitcoin-energy-consumption/ Cambridge study on cryptoassets https://www.jbs.cam.ac.uk/wp-content/uploads/2021/01/2021-ccaf-3rd-global-cryptoasset-benchmarking-study.pdf Triffin Dilemma https://dailyreckoning.com/the-triffin-dilemma/   Alex Gladstein’s Recommended Follows: Nic Carter https://twitter.com/nic__carter Lyn Alden https://twitter.com/LynAldenContact Susan Su https://twitter.com/susanfsu Luke Gromen https://twitter.com/LukeGromen Michael Hudson https://twitter.com/michaelwhudson

This episode contains amazing updates from around the world of Soccer, Champions League, Europa League, Updates and fixtures from the top 5 Leagues in the World. Transfer updates on the hottest player in the transfer market presently! As DORTMUND SLAMS DOOR ON BARÇA's interest on Haaland. Not forgetting updates from the ongoing NSF (National Sports Festival) on the home scene. Simply the best as always! #HTWWGP

Deep-Dive into Modern Monetary Theory (00:00) Intro (04:19) What is Money? How is it created? Why do we never seem to have enough of it? We all have a story we tell ourselves, and it's mostly negative. Money is not the root of all evil, nor is the love of it going to destroy your soul, nor is being in debt sinful, despite what the Bible may have said about that. Star-Trek forecasts that money will be eliminated in the 24th century. But this is a pipe dream, even for the Federation. Fantasy think-tank The Venus Project cannot and will not ever eliminate money. "Resource Based Economy" is a re-branding of the failed idea of anarcho-communism. (22:34) The fake story of money. You probably think money originated to help replace barter-economics, and is a valuable commodity such as gold or silver. That's false. (29:36) The real story of money. Money is record keeping, not a commodity. It's a matter of law, not fixed value. It relies on a government promise to take back the currency it issues. Currency-creation is the most important function of a sovereign government. (01:01:43) Debt is not sin. Repayment of debt is not redemption. The biblical concepts of sin and redemption most likely originated from the involvement of ancient temples in issuing currency. Government is not like a household. Issuers of currency can't go broke. Government debt serves a valuable function. (01:12:45) How does the government spend? The grievous opportunity cost of spare economic capacity. Failure of any currency-issuing government to spend enough public funds to unlock all economic resources and labor is moral failure. (01:27:48) There is no debt-free money, and therefore Bitcoin is not money, and can never be money. Risks and opportunities of Modern Monetary Theory. The true limit on government spending: available economic resources. (01:42:07) The red-herring of hyperinflation. Cannot exist so long as currency issuers keep the money supply less than or equal to the available economic resources. (01:47:09) The relationship between budget deficits and trade deficits. Nations with large trade surpluses can afford to have a balanced budget or budget surplus. While nations with trade deficits must also run budget deficits to remain at or near full employment. Capitalist economies simply need large government participation to operate at peak efficiency. Social security will always remain solvent. The biggest risk to future retirees is failing to keep the economy running at maximum productivity by failing to spend sufficiently. (01:55:13) Deficits save the world. The incredible value and power of US Treasury bonds. The government's red ink is the economy's black ink, and vice versa. Running government budget surpluses leads to economic disaster. (02:03:11) Can we afford to keep paying interest on the national debt? What if China stops lending us money? Can (or should) the US national debt ever be paid off? A thought experiment. (02:13:36) Pony politics. Ending the "pay for" conversation, and shifting the discussion to how to allocate maximum economic resources for best outcomes. (02:18:31) Outro ____________________________ Show notes: https://www.thevenusproject.com/ (The Venus Project) https://youtu.be/7sd-ElKMbPI (Everything you wanted to know about Modern Monetary Theory with L. Randall Wray) https://youtu.be/E5JTn7GS4oA (L. Randall Wray - Modern Money Theory for Beginners) https://youtu.be/cUTLCDBONok (MMT vs. Austrian School Debate: Warren Moseler vs. Dr. Robert Murphy) https://youtu.be/c6ss3p4jjI4 (Stephanie Kelton: Rethinking fiscal policy) https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 ("Debt: The First 5,000 Years" by David Graeber) ________________________________ Email: theradicalsecular@gmail.com Instagram: @radical_secular https://www.facebook.com/theradicalsecular (Facebook) Twitter: @RadicalSecular https://the-radical-secular.captivate.fm/ (Podcast) All standard podcast venues: Apple, Google,...

The importance of putting a high interest debt first person’s love interest in the balance that --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Are you ready to invest? Do you think it is a good time to invest? Or just want to take advantage of a market downturn? For the next 6 episodes I will be discussing 6 things to consider before putting money into investments. You may be ready to invest in the current environment, but investing is only a piece to an overall financial plan. Be sure you are on solid financial footing before investing. The third consideration is should you pay off debt and how to determine your debt to income ratio.

Should homeowners eliminate their Private Mortgage Insurance (PMI) payment or focus on high-interest balances? Getting it right is essential to a healthy financial bottom line. TRANSCRIPT: https://quickanddirtytips.com/money-finance/loans/pmi-or-high-interest-debt | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

There is always an element of risk when it comes to borrowing money. While some small businesses might be able to turn a profit, thanks to the additional investment capital, there are others that will only accrue a crippling amount of debt from these substantial loans. So, how do you decide whether your business is in a position to borrow money or if you are better off staying out of debt? In this episode, Gene Marks and Elizabeth Larkin help small business owners determine their best financing options by assessing their ultimate goals. Continue reading Is it Better to Borrow Money Or Pay Down Debt First? at .

The post Getting Free From Debt // First Fruits (Part 2) appeared first on The Courageous Church.

Sam Radocchia is back for her second appearance on the podcast in today’s episode. She is part of the Chronicled team, a company which builds blockchain protocols for supply chain management in the pharmaceutical industry.  Because of the misinformation that exists in the blockchain space, Sam wrote the book Bitcoin Pizza to educate newcomers about it. She says that writing this book was one of the hardest things she has ever done. We hear about an interesting method that Sam used to write some parts of her book. While Bitcoin is ever-changing, Sam discusses how she attempted to write Bitcoin Pizza as a timeless piece that focused on culture. This means that there are several Bitcoin cultural references in the book, and Sam shares a few with us. With privacy concerns on the internet growing, a conversation begins about how blockchain can help with big data. Aside from her book, Sam knows a lot of good blockchain informational resources which she shares. Bitcoin Pizza presents insight on the different segments of people involved in the space, so Sam provides a brief overview of some. Sam then discusses the benefits of meeting up with like-minded cryptocurrency users. Topics covered: - Sam’s background and how Chronicled has grown. - Reasons why Sam wrote Bitcoin Pizza. - The difficult process of writing the book after blogging for so many years. - Intimidation that some people feel when entering the cryptocurrency space. - The different feelings of publishing something on the internet versus publishing a book. - Headings used in the book and some sneak peeks. - The story behind the name Bitcoin Pizza. - Reliving the internet’s past with Bitcoin. - Dangers of automation and false data. - Resources that Sam recommends learning about cryptocurrency from. - A live directory that Sam is working on. - The Twitter culture surrounding blockchain. - How Sam’s attitude of storing cryptocurrency has evolved. Links to Resources: Buy Sam’s Book, Bitcoin Pizza, on Amazon: https://amzn.to/2YnJ3GL Sam’s first appearance: https://cryptotokentalk.io/podcast/episode-120-sam-radocchia-talks-non-finance-blockchain-use-cases/ Chronicled: https://www.chronicled.com/ Bitcoin Pizza: https://samantharadocchia.com/bitcoin-pizza-book The Collective Future: http://collectivefuture.io/ Sam on Twitter: https://twitter.com/samradofficial The Bitcoin Standard: https://www.amazon.com/Bitcoin-Standard-Decentralized-Alternative-Central/dp/1119473861 Debt: The First 5,000 Years: https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290

Welcome to a very special episode of Adding Up with Serena Dot Ryan. Yes, that’s me and I’m dedicated to sharing my debt free journey with the hope of helping people like me. Especially if you’ve wanted to become better educated about financial education and haven’t known where to start. I’m using my financial failures and learnings to help you see you’re not alone and demonstrate there are incredibly positive things you can do about it. And if you’re an Accountant or Bookkeeper tuning in, my aim is that you gain insight into the financial challenges In this special episode is extra special because it’s my very first interview and it’s with one of my mentors and dear friends, Cliff Ravenscraft. If you don’t already know, Cliff is the Mindset Answerman and he also happens to be a very successful Online Entrepreneur. I’m a regular listener of his podcast, The Cliff Ravenscraft Show. As I’ve discovered from listening to his content, he is also very successful in clearing debt from his life. In fact $80,000 of unsecured debt. I love how he shares insight into his learning about clearing debt and how he challenges me on my beliefs holding me back. Mentioned in this episode: Cliff Ravenscraft https://cliffravenscraft.com Free The Dream Conference https://www.cliffravenscraft.com/free-the-dream Thou Shall Prosper by Rabbi Daniel Laplin https://www.amazon.com/Thou-Shall-Prosper-Commandments-Making/dp/0470485884/ Debt The first 5,000 years by David Graeber https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 Stephanie Ravenscraft https://stephanieravenscraft.com --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message

Wealth Tactic Rebels is a unique podcast because there are few people out there looking to help people think differently about their money. Mark Willis, of Lake Growth Financial Services (http://lakegrowth.com/) , is one of those people. In this episode we talk about market performance the “Roaring 20’s,” why hope is not a good plan, what’s more important than rate of return, why liquidity and control is so important, what is safe money, about how to use debt (leverage) to your advantage, a great value bomb and the most important decision you will make. Ingenious tactics to accumulate wealth, for people who see things differently. Mark Willis markwillis@lakegrowth.com Not Your Average Financial Podcast (http://nyafinancialpodcast.com/) Lake Growth Financial Services (http://lakegrowth.com/) LinkedIn (https://www.linkedin.com/in/marklakegrowth) Facebook (https://www.facebook.com/lakegrowth/) Twitter (https://twitter.com/lakegrowth) YouTube (https://www.youtube.com/channel/UC52KUaX0L1kSNUF99Ql7uOw) Resource:   Debt: The First 5,000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290) (#) Transcript [0:12] Welcome to another interview with Wealth Tactic Rebels, the podcast for people who see things differently. I'm your host, Kevin Dumont, I've been thinking differently in the wealth field for well over 10 years now. Today I am joined by a guest, Mark Willis. Hey Mark, how are you today? Doing fine, thanks. [0:33] Fantastic. Thanks for being on our show today. Mark, is, well I'd say he's a kindred spirit in the thinking differently field of finances and non-mainstream thinking. Right Mark? Oh man, yeah. It's like a breath of fresh air. Right? So Mark is, like us, on a mission to try to help people think differently about their finances over how banks in Wall Street typically makes people think about their money in their financial, what does it do? Creates a of financial insecurity, or uncertainty, right? So after graduating with six figures of student loan debt, like many people today due, and discovering a way to turn his debt into real well, he's watched a lot of other people lose their retirement Investments and a home equity, you know 2018 2009 when the market crashed, and he decided to find a way, find a sane way to help his [1:32] clients and other people meet some of those financial objectives, including his own. Mark has become a certified financial planner. And is a number one best-selling author and the owner of Lake Growth Financial Services, a financial firm in Chicago Illinois, But over the years he's helped hundreds of his clients Take Back Control, key word there, "control," of their financial future and build businesses with sophisticated tax-efficient Financial Solutions. Now he specializes in building Custom Tailor Financial strategies that are unknown to the typical stock brokers and typical financial planners attorneys and other financial gurus that we typically see in mainstream media. He's also co-host of Not Your Average Financial Podcast, where he shares a lot of these strategies for thinking differently about wealth and finances That's just a little background on, on Mark's but Mark is the expert on Mark so I'll let him talk a little bit more about where he came from and how he got to where he is with those philosophies today. [2:33] That may be more than what folks any anyone want to hear so that's thank you for that Kevin I appreciate a folks are still listening after that then great welcome to the Matrix you know you've taken the red pill if you've found this Podcast helpful, man, it's only going to get more interesting. Your episodes of an awesome so far I've really enjoyed a lot of the content and the interviews you guys have shared. [2:53] Thanks. The one on the qualified plans was just dead on so well done. Right. and you know again it's the rear thing to find any...

Kirsty wants to save for a home however she has a personal loan.Things you need to know & places you need to go!-Need personal help? Get it here: https://www.sortyourmoneyout.com/reach-out-Insta https://www.instagram.com/mymillennialmoney/-Facey https://www.facebook.com/mymillennialmoney/-Our private facey group for listeners: https://www.facebook.com/groups/mymillennialmoney/-Check out Glen's online money course here: https://www.sortyourmoneyout.com/online-course/ (use coupon code "m3x" for 20% discount)Feel like giving us a good review if you like the show (if you listen on Apple Podcasts)?

Nima and Dylan discussion a diversified investment strategy called the "Permanent Portfolio", conceptualized by former Libertarian Party presidential candidate, author, and radio host Harry Browne.Sources:Failsafe Investing: Lifelong Financial Security in 30 Minutes (https://www.amazon.com/Fail-Safe-Investing-Lifelong-Financial-Security/dp/031226321X)A Portfolio For All Occasions (https://beinglibertarian.com/growing-your-wealth-in-all-economic-cycles/)Debt: The First 5000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290)Regarding the Kalecki Equation: What Does the Market’s Response to Trump’s Election Tell Us About Investor Expectations?(https://www.economicsjunkie.com/markets-response-trumps-election-tell-us-investor-expectations/)

Nima and Dylan discussion a diversified investment strategy called the "Permanent Portfolio", conceptualized by former Libertarian Party presidential candidate, author, and radio host Harry Browne. Sources: Failsafe Investing: Lifelong Financial Security in 30 Minutes (https://www.amazon.com/Fail-Safe-Investing-Lifelong-Financial-Security/dp/031226321X) A Portfolio For All Occasions (https://beinglibertarian.com/growing-your-wealth-in-all-economic-cycles/) Debt: The First 5000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290) Regarding the Kalecki Equation: What Does the Market’s Response to Trump’s Election Tell Us About Investor Expectations? (https://www.economicsjunkie.com/markets-response-trumps-election-tell-us-investor-expectations/)

Nima and Dylan discuss criticisms of MMT.Sources:MMT: A Rebuttal To The Theory & It’s Primary Stances (https://think-liberty.com/opinion/mmt-challenged/)Debt: The First 5,000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290)

Nima and Dylan discuss criticisms of MMT. Sources: MMT: A Rebuttal To The Theory & It’s Primary Stances (https://think-liberty.com/opinion/mmt-challenged/) Debt: The First 5,000 Years (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290) Tragedy & Hope (https://www.infowarsstore.com/infowars-media/books/tragedy-hope.html)

In today's episode of Tax Savers' University Tyler explains whether it is a good idea to pay off your debt first or invest. --- Support this podcast: https://anchor.fm/taxsaversuniversity/support

In Episode 2 Nima of EconomicsJunkie.com and Dylan of the Volitional Science Network discuss Modern Monetary Theory (MMT), in particular the so called Federal Job Guarantee. Topics discussed: What is unemployment? Does the state have a responsibility to address it? Can such a program work in a libertarian small government? And who's going to pay for it all? References: Modern Money Theory: A Primer on Macroeconomics for Sovereign Monetary Systems, by L. Randall Wray (https://www.amazon.com/Modern-Money-Theory-Macroeconomics-Sovereign/dp/0230368891) Debt: The First 5,000 Years, by David Graeber (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290) How Government Budget Surpluses Can Cause Economic Depressions (https://www.economicsjunkie.com/government-budget-surpluses-can-cause-economic-depressions/)

In Episode 2 Nima of EconomicsJunkie.com and Dylan of the Volitional Science Network discuss Modern Monetary Theory (MMT), in particular the so called Federal Job Guarantee. Topics discussed: What is unemployment? Does the state have a responsibility to address it? Can such a program work in a libertarian small government? And who's going to pay for it all? References:Modern Money Theory: A Primer on Macroeconomics for Sovereign Monetary Systems, by L. Randall Wray (https://www.amazon.com/Modern-Money-Theory-Macroeconomics-Sovereign/dp/0230368891) Debt: The First 5,000 Years, by David Graeber (https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290) How Government Budget Surpluses Can Cause Economic Depressions (https://www.economicsjunkie.com/government-budget-surpluses-can-cause-economic-depressions/)

Erin B. Taylor is an economic anthropologist with experience both in the applied financial sector and in the academic sector. She holds a PhD in Socio Cultural Anthropology from Sydney University and was a postdoctoral researcher on financial mobility at the University of Lisbon. She is the co-founder of Canela Consulting, an ethnography-driven research and consulting group focused on finance and technology. Currently, she works as a senior researcher for Holland Fin-tech where she researches the changing fin-tech landscape, including insur-tech, identity & security, payments, regulations, and financial inclusion. In today's episode we talk to Erin about her experience of applying anthropology to research the financial technology sector (like mobile payments), both in Haiti and The Netherlands. We also explore what is money, what types of relationships people build with it and its financial service providers, and how fin-tech fits into that. We explore the ethics and methods of asking people about their relationship to money (quick tip - ask for stories and not data). Lastly, we talk about the relationship between regulation and design, and the spaces of convergence between ethnographic and design research in the business sector. Mentioned in Podcast: Graeber, David, Debt: The First 5000 years https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 Sibel Kusimba on mobile money in Kenya: Video - https://www.youtube.com/watch?v=Sywez6yKEbo&feature=youtu.be Article - https://www.imtfi.uci.edu/files/kusimba_working_paper_final.pdf Ethnoborrel, networking for professional ethnographers, https://ethnoborrel.eu Koos Service Design, https://www.burokoos.com Erin's work: Taylor, E.B. and H.A. Horst. 2017. Designing Financial Literacy in Haiti. In Design Anthropology: Object Cultures in Transition, edited by Alison J. Clarke. Springer. Taylor, E.B. 2015. Mobile money: Financial globalization, alternative, or both? In MoneyLab Reader: An Intervention in Digital Economy, edited by Geert Lovink, Nathaniel Tkacz and Patricia de Vries, pp.244-256. Amsterdam: Institute of Network Cultures. Taylor, E.B. and H.A. Horst. 2014. The aesthetics of mobile money platforms in Haiti. In Routledge Companion to Mobile Media, edited by G. Goggin and L. Hjorth, pp.462-471. Oxon and New York: Routledge. #applied-anthropology #ethics #fintech #mobilemoney

As a Licensed Insolvency Trustee, I'll always advise that you prioritize debt repayment. Why is it important to pay off debt first? So that you are no longer burdened by it. While that is the most prudent course of action, not everyone wants to wait until they are debt free before pursuing their dreams. For example, if you are a recent graduate, you might not want to delay starting a business until you've paid off all your debt. This is exactly the decision that my guest, Alex Grodnik, made. Still owing $75,000 in student loan debt, he left a stable job to follow his passion. But, should you follow in his footsteps? Alex says it depends on the kind of person you are and if you're willing to take risks. More on Alex’s story, and some practical advice, on today’s podcast.

Dylan Moore of the Volitional Science Network and Nima Mahjour of EconomicsJunkie.com go over the basics of MMT: what you've never been told about the economy. -The concept of Credit Money and the Statist origins of money -Sectoral Balances: how foreign trade can affect money supply and economic conditions -Floating vs. Fixed Currency Systems: the arbitrariness of the gold standard -Why do governments sell bonds? Do they actually fund spending? No. They are essentially risk-free assets for rich people. -What do federal reserve interest rates do? Nothing. -If interest rates do nothing, why does the Fed control them? -What does Quantitative Easing do? Turns out it's nothing to worry about. -The basics of the private banking system Real Progressives Steven Grumbine interview with Nima Mahjour: http://tinyurl.com/y9qtu9o8 Debt: The First 5000 Years by David Graeber https://amazon.com/Debt-First-5-000-Years/dp/1612191290 How Government Surpluses Can Cause Economic Depressions: http://www.economicsjunkie.com/government-budget-surpluses-can-cause-economic-depressions Capacity Utilization: Total Industry fred.stlouisfed.org/series/TCU Source: https://youtube.com/watch?v=H-61nMYXsWs

The Federal Job Guarantee - What Heresy is This? Dylan Moore of the Volitional Science Network and Nima Mahjour of EconomicsJunkie.com go over the basics of libertarian and Austrian thought on the role government plays in the economy. A philosophical analysis of negative and positive rights tells us that any time the government gets involved in PROVIDING something, it must be inherently oppressive because someone need merely demand it to create an obligation on the government to provide it, and the government must provide it by taking it from someone else. The Bill of Rights enshrined the concept of negative rights in the US Constitution. However... there's a weird one. The 6th Amendment. The government guarantees a right to a speedy trial. That sounds kind of like a positive right, doesn't it? (NOTE: Dylan totally said 4th Amendment in the video. Doh.) Libertarian philosophy argues: if the government causes the problem, then the government has to provide the solution. If the government arrests you (problem), it has to give you a means to deal with that arrest (speedy trial). Thus it doesn't fit the category of a positive right. ...but what happens if government causes the problem of requiring citizens to pay taxes with money? Nima and I discuss this problem in the video. Debt: The First 5000 Years by David Graeber https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 How Government Surpluses Can Cause Economic Depressions: http://www.economicsjunkie.com/government-budget-surpluses-can-cause-economic-depressions/ Source: https://youtube.com/watch?v=NOsAawM9JAA

Are you heavy in debt and don't know what to do first? Listen to Host and Rebound Financial Coach Lynn Demmons give important information on how to invest your money and rid that debt.

MJS 025: Helen V. Holmes This episode features a My JavaScript story with Helen V. Holmes. Helen has never before been a guest on the show. She is both a designer and front-end programmer who previously worked for Mozilla. In January, she started her own freelancing business. Listen to Charles Max Wood and Helen discuss how she got into programming, what made her decide to open a freelance business, and more! How did you get into programming? Helen started by making themes for herself and friends in LiveJournal using other people's CSS themes. Once she got to college she realized that although this wasn't a career, it was an aspect of a career. She then majored in graphic design, going on to do internships in both front-end development and design. Since college, she has gone back and forth between front-end development and design work. How long ago was that? Helen graduated college in 2013. Did you graduate in computer science? Helen did not even minor in computer science. At the time, she was focused on making stuff. The computer science major was too heavily focused on theory. She did take a couple of classes in it, but the graphic design major was more focused on building prototypes. Her graphic design major didn't teach her how to do anything - she said that you're on your own, and you have to figure out how to show off your ideas. The major appealed to her at the time because of that reason. Now Helen thinks majoring in computer science would have been really helpful for her career. Charles points out that you don't have to have a computer science degree to do this work. Helen agrees; it can be wasted on you if you don't have the right enthusiasm to learn everything. Both say that you can get the education you want through self-education. Helen explains that so much of successful programming is good communication - this can be learned in college, while the specifics of how to code can be learned later. How do you get from a graphic design major to "serious programming?" Helen doesn't know how serious the programming she does is now. Her first real job was at Capital One as a front-end developer on their design team. She was doing prototypes and communicating between the design and production/engineering teams. She realized that nobody knew how to write JavaScript when trying to communicate between the two teams, so she decided that she should learn. A lot of the engineers came to the same realization at the same time. She started to write React as she was leaving Capital One. Everyone was trying to improve his or her JavaScript chops at the same time. Did you get into Angular or React at Capital One? When she first started at Capital One everyone was writing Angular. She wrote a lot of Angular in the beginning of her work. Most of the prototypes could be solved with React. Near the end of her time, she started using a lot of React. What do you see is the difference between Angular and React? Angular solves a lot more problems than React. It brings logic to the client side. React is only about solving visual problems. That's why it appealed to Helen. The design team she worked with was all about solving visual problems. Why did you choose the front end? Helen mainly chose it because she was a graphic design major. She believes that because the web is so accessible that it is the easiest thing. She also thinks the front end is fun. How'd you wind up at Mozilla? She met James Long through a mutual friend. Once they met, he thought she'd be a good addition to their team. He told her why it'd be a good switch for her - they were doing React work and they were looking for someone to understand problems that engineers go through. What do they use React on? She was on the browser team. The front-end of the developer tools was a JavaScript application that wasn't Angular. They were working on moving it to become a more documented framework. They wanted to use Redux and React. The team was converting it panel by panel. What made you decide you were going to go freelance? Helen had been missing things that she had done in college such as branding and illustration work. She had done some illustration work while at Firefox. She ultimately wanted to do a variety of different things instead of just product work. What gave her courage to go into freelance work was that James Long was also going freelance at the same time, so she thought that she was in good company. She also is related to a lawyer, so it wasn't as scary filing the paperwork because she had someone to ask for help during the process. What contributions do you feel like you've made to the JavaScript community? Helen believes that the highest impact work she has done has been on the Firefox browser. She didn't write a lot of code, but feels like what she did write is being used by a lot of people. She is most proud of the CSS grid because she says that it is exciting for people who do layout stuff on the web. What are you working on now? Helen started her own business at the beginning of the year. She is figuring out how she wants her skills to grow and with what kind of clients she wants to work. She has a lot of side projects, one being what she calls an art project. She is translating JPEG to Pixel art. She is taking NeoPixels, which are little programmable LEDs, and taking a matrix of values and displaying them on a sight board. With everything that's out there in JavaScript, how do you keep current? Helen answers that she doesn't. She tries to stay current with the tools she is using, which is React. She doesn’t try to be good at everything because she is also a designer, so she says that she has to pick and choose what she stays current on. Charles says that is what he tells people to do. There is so much out there that there is no way that anyone is going to stay current on everything. He says to keep current on what you are doing specifically. Picks          Helen: Wonder Woman http://wonderwomanfilm.com Debt: The First 5,000 Years https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 Charles: JavaScript Jabber Slack Room https://devchat.tv/javascript-jabber-slack Monthly Webinars  https://devchat.tv/webinars Angular Remote Conf https://devchat.tv/conferences/angular-remote-conf-2017 Links Helen V Holmes Twitter https://twitter.com/helenvholmes

MJS 025: Helen V. Holmes This episode features a My JavaScript story with Helen V. Holmes. Helen has never before been a guest on the show. She is both a designer and front-end programmer who previously worked for Mozilla. In January, she started her own freelancing business. Listen to Charles Max Wood and Helen discuss how she got into programming, what made her decide to open a freelance business, and more! How did you get into programming? Helen started by making themes for herself and friends in LiveJournal using other people's CSS themes. Once she got to college she realized that although this wasn't a career, it was an aspect of a career. She then majored in graphic design, going on to do internships in both front-end development and design. Since college, she has gone back and forth between front-end development and design work. How long ago was that? Helen graduated college in 2013. Did you graduate in computer science? Helen did not even minor in computer science. At the time, she was focused on making stuff. The computer science major was too heavily focused on theory. She did take a couple of classes in it, but the graphic design major was more focused on building prototypes. Her graphic design major didn't teach her how to do anything - she said that you're on your own, and you have to figure out how to show off your ideas. The major appealed to her at the time because of that reason. Now Helen thinks majoring in computer science would have been really helpful for her career. Charles points out that you don't have to have a computer science degree to do this work. Helen agrees; it can be wasted on you if you don't have the right enthusiasm to learn everything. Both say that you can get the education you want through self-education. Helen explains that so much of successful programming is good communication - this can be learned in college, while the specifics of how to code can be learned later. How do you get from a graphic design major to "serious programming?" Helen doesn't know how serious the programming she does is now. Her first real job was at Capital One as a front-end developer on their design team. She was doing prototypes and communicating between the design and production/engineering teams. She realized that nobody knew how to write JavaScript when trying to communicate between the two teams, so she decided that she should learn. A lot of the engineers came to the same realization at the same time. She started to write React as she was leaving Capital One. Everyone was trying to improve his or her JavaScript chops at the same time. Did you get into Angular or React at Capital One? When she first started at Capital One everyone was writing Angular. She wrote a lot of Angular in the beginning of her work. Most of the prototypes could be solved with React. Near the end of her time, she started using a lot of React. What do you see is the difference between Angular and React? Angular solves a lot more problems than React. It brings logic to the client side. React is only about solving visual problems. That's why it appealed to Helen. The design team she worked with was all about solving visual problems. Why did you choose the front end? Helen mainly chose it because she was a graphic design major. She believes that because the web is so accessible that it is the easiest thing. She also thinks the front end is fun. How'd you wind up at Mozilla? She met James Long through a mutual friend. Once they met, he thought she'd be a good addition to their team. He told her why it'd be a good switch for her - they were doing React work and they were looking for someone to understand problems that engineers go through. What do they use React on? She was on the browser team. The front-end of the developer tools was a JavaScript application that wasn't Angular. They were working on moving it to become a more documented framework. They wanted to use Redux and React. The team was converting it panel by panel. What made you decide you were going to go freelance? Helen had been missing things that she had done in college such as branding and illustration work. She had done some illustration work while at Firefox. She ultimately wanted to do a variety of different things instead of just product work. What gave her courage to go into freelance work was that James Long was also going freelance at the same time, so she thought that she was in good company. She also is related to a lawyer, so it wasn't as scary filing the paperwork because she had someone to ask for help during the process. What contributions do you feel like you've made to the JavaScript community? Helen believes that the highest impact work she has done has been on the Firefox browser. She didn't write a lot of code, but feels like what she did write is being used by a lot of people. She is most proud of the CSS grid because she says that it is exciting for people who do layout stuff on the web. What are you working on now? Helen started her own business at the beginning of the year. She is figuring out how she wants her skills to grow and with what kind of clients she wants to work. She has a lot of side projects, one being what she calls an art project. She is translating JPEG to Pixel art. She is taking NeoPixels, which are little programmable LEDs, and taking a matrix of values and displaying them on a sight board. With everything that's out there in JavaScript, how do you keep current? Helen answers that she doesn't. She tries to stay current with the tools she is using, which is React. She doesn’t try to be good at everything because she is also a designer, so she says that she has to pick and choose what she stays current on. Charles says that is what he tells people to do. There is so much out there that there is no way that anyone is going to stay current on everything. He says to keep current on what you are doing specifically. Picks          Helen: Wonder Woman http://wonderwomanfilm.com Debt: The First 5,000 Years https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 Charles: JavaScript Jabber Slack Room https://devchat.tv/javascript-jabber-slack Monthly Webinars  https://devchat.tv/webinars Angular Remote Conf https://devchat.tv/conferences/angular-remote-conf-2017 Links Helen V Holmes Twitter https://twitter.com/helenvholmes

MJS 025: Helen V. Holmes This episode features a My JavaScript story with Helen V. Holmes. Helen has never before been a guest on the show. She is both a designer and front-end programmer who previously worked for Mozilla. In January, she started her own freelancing business. Listen to Charles Max Wood and Helen discuss how she got into programming, what made her decide to open a freelance business, and more! How did you get into programming? Helen started by making themes for herself and friends in LiveJournal using other people's CSS themes. Once she got to college she realized that although this wasn't a career, it was an aspect of a career. She then majored in graphic design, going on to do internships in both front-end development and design. Since college, she has gone back and forth between front-end development and design work. How long ago was that? Helen graduated college in 2013. Did you graduate in computer science? Helen did not even minor in computer science. At the time, she was focused on making stuff. The computer science major was too heavily focused on theory. She did take a couple of classes in it, but the graphic design major was more focused on building prototypes. Her graphic design major didn't teach her how to do anything - she said that you're on your own, and you have to figure out how to show off your ideas. The major appealed to her at the time because of that reason. Now Helen thinks majoring in computer science would have been really helpful for her career. Charles points out that you don't have to have a computer science degree to do this work. Helen agrees; it can be wasted on you if you don't have the right enthusiasm to learn everything. Both say that you can get the education you want through self-education. Helen explains that so much of successful programming is good communication - this can be learned in college, while the specifics of how to code can be learned later. How do you get from a graphic design major to "serious programming?" Helen doesn't know how serious the programming she does is now. Her first real job was at Capital One as a front-end developer on their design team. She was doing prototypes and communicating between the design and production/engineering teams. She realized that nobody knew how to write JavaScript when trying to communicate between the two teams, so she decided that she should learn. A lot of the engineers came to the same realization at the same time. She started to write React as she was leaving Capital One. Everyone was trying to improve his or her JavaScript chops at the same time. Did you get into Angular or React at Capital One? When she first started at Capital One everyone was writing Angular. She wrote a lot of Angular in the beginning of her work. Most of the prototypes could be solved with React. Near the end of her time, she started using a lot of React. What do you see is the difference between Angular and React? Angular solves a lot more problems than React. It brings logic to the client side. React is only about solving visual problems. That's why it appealed to Helen. The design team she worked with was all about solving visual problems. Why did you choose the front end? Helen mainly chose it because she was a graphic design major. She believes that because the web is so accessible that it is the easiest thing. She also thinks the front end is fun. How'd you wind up at Mozilla? She met James Long through a mutual friend. Once they met, he thought she'd be a good addition to their team. He told her why it'd be a good switch for her - they were doing React work and they were looking for someone to understand problems that engineers go through. What do they use React on? She was on the browser team. The front-end of the developer tools was a JavaScript application that wasn't Angular. They were working on moving it to become a more documented framework. They wanted to use Redux and React. The team was converting it panel by panel. What made you decide you were going to go freelance? Helen had been missing things that she had done in college such as branding and illustration work. She had done some illustration work while at Firefox. She ultimately wanted to do a variety of different things instead of just product work. What gave her courage to go into freelance work was that James Long was also going freelance at the same time, so she thought that she was in good company. She also is related to a lawyer, so it wasn't as scary filing the paperwork because she had someone to ask for help during the process. What contributions do you feel like you've made to the JavaScript community? Helen believes that the highest impact work she has done has been on the Firefox browser. She didn't write a lot of code, but feels like what she did write is being used by a lot of people. She is most proud of the CSS grid because she says that it is exciting for people who do layout stuff on the web. What are you working on now? Helen started her own business at the beginning of the year. She is figuring out how she wants her skills to grow and with what kind of clients she wants to work. She has a lot of side projects, one being what she calls an art project. She is translating JPEG to Pixel art. She is taking NeoPixels, which are little programmable LEDs, and taking a matrix of values and displaying them on a sight board. With everything that's out there in JavaScript, how do you keep current? Helen answers that she doesn't. She tries to stay current with the tools she is using, which is React. She doesn’t try to be good at everything because she is also a designer, so she says that she has to pick and choose what she stays current on. Charles says that is what he tells people to do. There is so much out there that there is no way that anyone is going to stay current on everything. He says to keep current on what you are doing specifically. Picks          Helen: Wonder Woman http://wonderwomanfilm.com Debt: The First 5,000 Years https://www.amazon.com/Debt-First-5-000-Years/dp/1612191290 Charles: JavaScript Jabber Slack Room https://devchat.tv/javascript-jabber-slack Monthly Webinars  https://devchat.tv/webinars Angular Remote Conf https://devchat.tv/conferences/angular-remote-conf-2017 Links Helen V Holmes Twitter https://twitter.com/helenvholmes

In GBA 296 we get better acquainted with Susie. She talks about financial systems, international trade, the influence of empire, Adam Smith, comedy, walking tours of capitalism, dualism, class, Simon Amstell, awkwardness and so much more. It's a fun and awkward conversation about a whole range of really big topics containing a description of meeting me where I give the most On Brand first impression ever and one of my favourite goodbye to the audience moments. Susie plugs: Walking Tour of Capitalism - Heroes: https://tickets.edfringe.com/whats-on/susie-steed-money-walks-the-unofficial-story-of-capitalism @SussStead: https://twitter.com/sussteed I plug: The Family Tree: http://thefamilytreepodcast.co.uk/ We mention: Stand Up Tragedy: http://www.standuptragedy.co.uk/ Brixton Pound: http://brixtonpound.org/ David Graeber: https://twitter.com/davidgraeber Debt: https://www.amazon.co.uk/Debt-First-5-000-Years/dp/1612191290 Adam Smith: https://en.wikipedia.org/wiki/Adam_Smith Keynes: https://en.wikipedia.org/wiki/John_Maynard_Keynes Churchill: https://en.wikipedia.org/wiki/Winston_Churchill Marxism: https://en.wikipedia.org/wiki/Marxism Militant Labour / Socialist Party: http://www.socialistparty.org.uk/militant/ Quakers: https://www.quaker.org.uk/ Unitarians: https://www.unitarian.org.uk/ Lee Mack: https://en.wikipedia.org/wiki/Lee_Mack Simon Amstell: https://en.wikipedia.org/wiki/Simon_Amstell SA's Mockumentary: https://en.wikipedia.org/wiki/Carnage_(2017_film) Eddie Izzard: https://en.wikipedia.org/wiki/Eddie_Izzard The Office: https://en.wikipedia.org/wiki/The_Office_(UK_TV_series) Ricky Gervais: https://en.wikipedia.org/wiki/Ricky_Gervais Simon Amstell - bbc breakfast: http://www.bbc.co.uk/news/av/entertainment-arts-11811548/why-did-simon-amstell-quit-buzzcocks Ghandi: https://en.wikipedia.org/wiki/Mahatma_Gandhi Occupy Movement: https://en.wikipedia.org/wiki/Occupy_movement Louis CK: https://en.wikipedia.org/wiki/Louis_C.K. Susie @ SUT: https://soundcloud.com/standuptragedy/selected-tragedy-vol-9-tragicomedy 50 Shades of Grey: https://en.wikipedia.org/wiki/Fifty_Shades_of_Grey Citizen's Income: http://citizensincome.org/ WTF with Simon Amstell: http://www.wtfpod.com/podcast/episodes/episode_465_-_simon_amstell Marc Maron: https://en.wikipedia.org/wiki/Marc_Maron Help more people get better acquainted. If you like what you hear why not write an iTunes review? Follow @GBApodcast on Twitter. Like Getting Better Acquainted on facebook. Tell your friends. Spread the word!

Today, we continue the Early Retirement FAQs series with Arebelspy, one of the lead moderators in the Mr. Money Mustache forums. We tackle the question of “Should I pay off debt first or invest first?” from every angle we can think of. This show is packed with ideas and perspectives, many of which I’ll bet […]