Podcasts about Debt

The U.S. government is running it hot — and Bitcoin may be the only exit.In episode 10 of the Bitcoin Policy Hour, the Bitcoin Policy Institute team — Executive Director Matthew Pines, Head of Policy Zack Shapiro, and Associate Zack Cohen — break down what just happened with the Big Beautiful Bill and why it matters for Bitcoin, inflation, and America's fiscal future.They dive into the last-minute push to pass pro-Bitcoin tax reform (including the de minimis exemption and mining tax fixes), explain why it failed, and assess the rising importance of the Blockchain Regulatory Certainty Act (BRCA) as the next key battleground.The episode also explores deep tensions within the Republican coalition, how Bitcoin fits into U.S. national security priorities, and what the growing demand for stablecoins reveals about where the monetary system is headed.

Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment.And the same is true when it comes to your finances. Today, we'll explore what changes when you commit to managing money God's way.You've heard the saying, “Things worth doing are worth doing well.” And when it comes to your finances, there are certainly some things worth doing—like saving for the future, creating a spending plan, paying down debt, giving generously, and living with honesty and integrity.If you want to see real results in any area of life, it's going to take effort—sometimes a lot of it. And that's true for your financial life, too. Following biblical financial principles takes determination, planning, patience, and even sacrifice. So, why is it worth the effort?Because while commitment requires something of us, it also gives something to us. When we live with faith and integrity in our finances, we experience peace, contentment, and even joy. It's not just about doing the right thing—it's about being transformed more and more into who God wants us to be.Joining God in His WorkWhen you honor Him with your finances, you join in His work, bringing mercy and blessing to others. And as you experience His provision personally, your faith deepens, and your story becomes a testimony to encourage others.The Bible is filled with examples of faithful commitment. Hebrews chapter 11 is sometimes called the “Hall of Faith” because it highlights men and women who trusted God, even when they couldn't see the outcome. Abraham, Moses, Rahab—they placed their hope in God's promises before Christ ever came.But the ultimate example of commitment is Jesus Himself. Hebrews 12:2 says:“For the joy set before him, he endured the cross, scorning its shame, and sat down at the right hand of the throne of God.”A Savior who gave everything to redeem us is more than worthy of our full devotion in return.Faith lies at the heart of such a commitment, especially when it comes to finances. Hebrews 11:1 defines faith as:“Confidence in what we hope for and assurance about what we do not see.”That means trusting God's promises, even when circumstances feel uncertain.Who's Really in Charge?So, committing to manage money God's way starts with faith, but it also requires surrender. That means asking: who's really in charge—me, or the Lord?In Matthew 6:24, Jesus says:“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”That's a heavy reminder for all of us. We can't be fully committed to both God and money. One will always take priority, and when it's not the Lord, we will feel that tension.Here are a few honest questions to consider:Do financial worries consume your thoughts?Do you find yourself chasing more and more money, more stuff, more status?Is your sense of security tied to your job or investments?If you answered yes to any of those, you're not alone. Many of us wrestle with divided hearts. It's easy to lean on what we can see, especially when life feels uncertain. But money, career, or comfort can never offer the lasting peace only God provides.Choosing to follow God's financial principles takes daily trust and perseverance. Galatians 6:9 offers this encouragement:“Let us not grow weary of doing good, for in due season we will reap, if we do not give up.”Another gift of commitment is the encouragement we receive from God's people. You weren't meant to follow Jesus—or manage your finances—on your own.Colossians 3:12–15 paints a powerful picture of Christian community:“As God's chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience… Let the peace of Christ rule in your hearts, since as members of one body you were called to peace.”If you've ever felt like giving up on your budget or putting off your giving goals, you're not alone—we all face struggles. But if everything were easy, we'd never grow stronger.Walking With YouThat's why we're here at FaithFi—to walk alongside you. Whether you're just starting out or have walked this path for a long time, we want to offer help rooted in grace, wisdom, and truth.Most of all, we want you to experience the joy of following Jesus with every part of your life, including your finances. Because true freedom doesn't come from having more—it comes from trusting the One who gave everything for you.On Today's Program, Rob Answers Listener Questions:I turned 65 in March and am now eligible for Medicare; however, I remain employed and have employer-sponsored health insurance that includes an HSA, which I continue to contribute to. I've received conflicting information—can I delay Medicare enrollment and still have both my employer and I contribute to my HSA?I'm a 73-year-old widow and have been retired since 2017. When I retired, I rolled my 401(k) into an IRA, and that money is currently sitting in a Fidelity money market account. I also have an emergency fund with about $50,000. Given my situation, what would you recommend I do?I'm a recent immigrant to the U.S. and travel frequently to visit family abroad, which has led to long employment gaps. Even though I have an excellent credit score, I'm having trouble getting approved for housing because landlords and lenders want to see consistent income. Is there a way to circumvent this challenge?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What do you do when you wake up and realize you owe $169,000 in debt? If you're Leigha, you grab a spreadsheet, get honest with yourself, and start sharing your journey online. In this inspiring episode, Leigha (@millennial30something) opens up about the moment she said enough is enough and decided to not only start her debt free journey, but share it online as well.We talk about:How she balances paying off debt with still enjoying lifeThe exact numbers behind her $169K debt total (including 13 credit cards!)Why even a $3 refund check can make a difference on your debt-free journeyWhether you're just starting out or in the messy middle of your own debt-free journey, Leigha's story is the encouragement you didn't know you needed.

In these two explosive segments, the hosts break down the high-stakes political and economic battles defining Trump's presidency. First, they explore the “Big Beautiful Bill,” packed with sweeping measures—100% immediate expensing for factory construction, doubling health savings accounts, and $70 billion for deportations—that promise economic revival but carry the risk of record-breaking debt and runaway inflation if Trump can't sustain 3% growth. Next, they tackle the crisis at the southern border, as a Democrat-appointed judge defies the Supreme Court to order the reopening of asylum entry, potentially inviting cartel criminals back into the country. Alongside surging ICE attacks and political pressure, the show also dives into the curious connections tying the prosecution of Diddy to the Comey family and their history of secretive investigations. From judicial overreach to economic brinkmanship, these episodes lay bare the clashes reshaping America's future.

“He who has ears, let him hear.” – Matthew 13:9Those were Jesus' closing words after telling the Parable of the Sower—a story that invites us to listen carefully, not just with our ears, but with our hearts. Today, we'll look at this story and what it reveals about the heart behind our finances, especially the warning about “the deceitfulness of riches”.The Parable of the Sower and the State of Our HeartsThe Parable of the Sower appears in Matthew 13, Mark 4, and Luke 8. It begins with a farmer scattering seed, which falls on four types of soil. Jesus later explains that the seed is the Word of God, and the soils represent different heart conditions. Some hearts are hard, others shallow. Some are fertile and ready. But one soil in particular draws our attention today: the seed that fell among thorns.In Matthew 13:22, Jesus says,“As for what was sown among thorns, this is the one who hears the word, but the cares of the world and the deceitfulness of riches choke the word, and it proves unfruitful.”Understanding the Thorns: Worry and WealthLet's break that down.First, Jesus points to "the cares of the world"—the daily anxieties and distractions that can crowd out our trust in God. Then, He adds “the deceitfulness of riches.” It's not wealth itself that's the issue. It's the lie wealth tells: that more money will bring more peace, that possessions equal security, and that success means significance.The Bible consistently warns us about that lie:Proverbs 11:28 — “Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf.” 1 Timothy 6:17 — “Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God.”Wealth deceives us by offering the illusion of control and independence. It tempts us to believe we're self-sufficient. And when we buy that lie, we slowly stop depending on God. Like thorns in a garden, worldly cares and the lure of wealth take root in our hearts, slowly crowding out our affection for God. The space once reserved for trust and obedience becomes overrun with distraction and self-reliance.As C.S. Lewis put it:“Prosperity knits a man to the world. He feels that he is 'finding his place in it,' while really it is finding its place in him.”Time for a Heart CheckYou might be saving diligently, investing wisely, and even giving regularly. But if you're trusting in your portfolio more than God's promises—or if your finances have become a source of anxiety—then it may be time to do a heart check. What kind of soil are you cultivating?When unexpected expenses hit, what comes first—prayer or panic? When you think about the future, is your hope grounded in your retirement account or in the One who holds all things together?Jesus said the seed among thorns becomes “unfruitful.” The Word doesn't lose its power, but when wealth and worry take over our hearts, we stop responding to it. Outwardly, we may look faithful, but inwardly, our love for Him is being choked out. So, how do we respond?Jesus points to the solution just a few verses later. In Matthew 13:23, He says:“The good soil is the one who hears the word and understands it; he indeed bears fruit and yields.”Receiving God's Word deeply isn't a one-time event—it's a lifelong process of cultivating the soil of our hearts. It means creating space where God's truth can take root, thrive, and grow, without being overtaken by competing desires.Three Practices to Cultivate “Good Soil”Prioritize Your Giving—Start with generosity, not as an afterthought, but as an act of worship. Giving reminds us that money is not our master and that we trust God to provide for us. Check Your Emotional Temperature—If your peace rises and falls with your financial circumstances, that's a signal to lean into God's Word more than your wallet. Rethink Your Financial Goals—Ask Yourself: What Am I Building? And why? Is your financial plan aligned with Kingdom purposes, or is it just chasing comfort or status?As Dallas Willard said, “The main thing God gets out of your life is the person you become.” That includes how you handle money. Generosity, peace, and contentment are fruits of a life rooted in Christ, not one choked out by wealth.What Are You Trusting In?Remember that the condition of your heart matters more than the condition of your accounts. If you want to be fruitful in your finances and faithful in your walk with God, start by asking: What am I trusting in?Let the answer lead you back to Christ, because only in Him will your life bear lasting fruit.On Today's Program, Rob Answers Listener Questions:I own a two-flat apartment building valued at around $650,000. We've received an offer and are considering buying another building listed at $640,000 in a different area. Since I've never sold a property before, I'd like to understand the full costs involved in selling my current one and purchasing a new one.I recently learned that one of the index funds I invest in holds companies involved in things I don't ethically support. As someone trying to invest according to my values, is it wrong to stay in that fund?I have an IRA that's set up as an annuity, but I'm not sure what the advantages are. Is there a real benefit to holding an annuity within an IRA, or would I be better off moving it into a different type of investment?I've had a sealed monster box of Silver Eagle coins for a while now. Should I hold onto it, or would it be smarter to sell them and reinvest the money elsewhere?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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MRKT Matrix - Thursday, July 3rd Dow rises 350 points, S&P 500 hits fresh record after a better-than-expected June jobs report (CNBC) Hiring Defied Expectations in June, With 147,000 New Jobs (WSJ) Oracle, OpenAI Expand Stargate Deal for More US Data Centers (Bloomberg) Why stablecoins are shifting from crypto fringe to corporate strategy (Financial Times) CEOs Start Saying the Quiet Part Out Loud: AI Will Wipe Out Jobs (WSJ) Are bigger AI models better stock pickers? Maybe, but probably not (Financial Times) Ripple Seeks a U.S. Banking License, Adding to List of Crypto Companies (WSJ) Microsoft Scales Back Ambitions for AI Chips to Overcome Delays (The Information) Tesla Is in Disarray. Musk Has Already Moved Beyond Caring About Cars. (WSJ) Uber-Backed Moove Raising $1.2 Billion in Debt for Expansion (Bloomberg) Hedge funds seek to expand into private credit (Financial Times) A Pioneer in Private Credit Warns the Industry is Ruining Its Golden Era (WSJ) -- Subscribe to our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://riskreversalmedia.beehiiv.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

Often people burdened with debt feel bullied, hopeless and that there's no way out. But what would you do if you were in a near fatal accident and had to re-learn how to walk, talk or eat? How do you deal with trauma in your life? At 14, Nick Prefontaine suffered a traumatic, life-threatening snowboarding accident and was put in a coma. His parents were told he wouldn't ever walk, talk, or eat on his own again. He did and set a personal goal of not walking, but running out of the hospital. Nick does a lot of speaking work to help those suffering from brain injuries. Today, Nick is a 7-figure business owner, Rhode Island-based real estate investor, speaker, and Partner of Smart Real Estate Coach. Shawn, George & Nick talk about the S.T.E.P. system - Support, Trust, Energy and Persistence.  You can download Nick's S.T.E.P. system at www.nickprefontaine.com/step and you can check out Nick's Real Estate Coaching website at www.SmartRealEstateCoach.com.  Plus, we talk about the costs of hospital bills and the need for medical insurance prior to a major catastrophic event, and how Nick paid off the debt he used to start his business within three years! Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   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. 

This week on the Journey to Launch podcast, I'm joined by Lori-Sara Gauthier, a public health worker based in Toronto who is in the thick of transforming her finances and her mindset. Lori-Sara recently paid off $14,000 in consumer debt, is working on eliminating her student loans, and is intentionally charting a path toward financial freedom. Lori-Sara opens up about her spending habits, emotional triggers behind money decisions, and the moment she realized something had to change. Through self-awareness, therapy, and learning about the FIRE movement, she's rewriting her money story and embracing the power of small, consistent actions. In this episode, we discuss: How Lori-Sara fell into and climbed out of $14K of credit card debt The emotional connection between childhood scarcity and adult overspending What she's doing now: building an emergency fund, tackling student loans, and investing for the future Why she threw a party to celebrate being debt-free, and how running helped her stay on track Her evolving thoughts on FI, public service pensions, and leaving room for future flexibility Other Links Mentioned in episode:  Your Money or Your Life by Vicki Robin Clever Girl Finance by Bola Sokunbi You Need a Budget by Jesse Mecham Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

In this episode of the Personal Finance Podcast,  we are going to talk about  the five Side Hustles that can turn into a full-time business, part two. How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.  This episode is sponsored by Plaud https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don't have to take notes and make summaries anymore. Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com  Function is offering 160+ lab tests for $365 to anyone who signs up. To get started, visit www.functionhealth.com/PERSONALFINANCE   Links Mentioned in This Episode:  5 Side-Hustles That Can Turn into a Full Time Income! Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's broadcasts reveal a sweeping portrait of dysfunction at every level of American politics and media. In the first segment, Rep. Ralph Norman draws a hard line against the Senate's colossal spending package, blasting Lindsey Graham and John Thune for breaking their promises and adding over $600 billion in new annual deficit spending—fueling a debt trajectory toward $60 trillion in just a decade. The discussion shows how reckless budgets are rammed through by stuffing bills with pork to buy votes, leaving taxpayers and future generations to pay the price. At the same time, calls intensify to redo the U.S. census, as Marjorie Taylor Greene and Ron DeSantis argue that counting illegal immigrants has robbed red states like Florida and Texas of fair congressional representation. In the next segment, Lindsey Graham faces primary challenges from figures like Andre Bauer and Mark Lynch—but the host warns that splitting the opposition may ironically help Graham survive despite abysmal poll numbers. The conversation then pivots to Donald Trump's $16 million settlement against CBS and Paramount for deceptively editing Kamala Harris's interview to cover up her incoherent answers on Israel—proof, the host says, that corporate media functions as a campaign arm of the Democrats. Finally, explosive evidence emerges that the FBI not only suppressed proof of Chinese election interference and counterfeit IDs used in mass voter fraud, but also lied to Congress and destroyed records to protect Director Christopher Wray. All the while, the same FBI worked with Big Tech to censor Americans who questioned mail-in ballots and COVID policies—topics that were essential to justifying mass absentee voting and, ultimately, reshaping the election outcome. Taken together, these stories lay bare a rigged system—financially, politically, and culturally—where entrenched elites collude to maintain their power and silence dissent, leaving ordinary Americans to pay the price.

In these in-depth segments, the host exposes the accelerating crisis of unsustainable government spending and the collusion between political elites and media giants to protect their power. First, Rep. Ralph Norman explains why he's a hard “no” on the Senate's massive spending bill, calling out Lindsey Graham and John Thune for adding over $600 billion in annual deficit spending—ballooning the debt toward an unthinkable $60 trillion by 2035. The discussion underscores how bloated budgets get rammed through: senators stuffing the bills with pork to buy votes, all while the public is distracted. Meanwhile, the battle over the census is heating up. Leaders like Marjorie Taylor Greene and Ron DeSantis push to redo the census to count only citizens when apportioning House seats, arguing that fraudulent counts and illegal immigration have rigged representation in blue states and stolen power from places like Florida and Texas. In the second segment, Lindsey Graham faces primary challengers like Andre Bauer, but splitting the field may ultimately help him cling to power despite polling in the low 40s. Then, an explosive story: Donald Trump has won a $16 million settlement from CBS and Paramount after “60 Minutes” was caught deceptively editing Kamala Harris's interview to cover up her incompetence on Israel policy—a case the host calls “journalistic fraud.” Finally, the broadcast breaks down staggering new evidence that the FBI hid proof of Chinese election interference, lied to Congress, and helped censor social media posts about COVID and voter fraud—actions the host says amount to collusion to install a compromised president. Together, these revelations paint a picture of a political system that is not just broken but actively betraying the American people.

Representative Ralph Norman joins Tara to declare a firm no on the massive “big beautiful bill,” blasting Lindsey Graham and John Thune for exploding deficit spending with an extra $635 billion a year—adding up to $6 trillion over a decade. As Congress clashes over runaway spending, Norman warns that unless the U.S. sustains 3% growth for the next ten years, the nation is headed for $60 trillion in debt by 2035. Meanwhile, efforts to redo the census are gaining traction. Tara and her co-host break down how counting illegal immigrants for apportioning House seats rigged the balance of power, gifting California and blue states up to a dozen undeserved congressional districts while red states like Florida and Texas were cheated. Ron DeSantis and Marjorie Taylor Greene are leading the charge to fix the census, reassert citizenship-based representation, and reclaim the electoral votes and legislative seats that were stolen. As the debt soars and the political stakes climb higher, this broadcast exposes how fraud, pork-barrel politics, and manipulated headcounts are reshaping the future of the country—and why it's time to stand up before it's too late.

In today's Morning Manna, we unpack the entire weight of a single verse—Proverbs 6:1. What seems like a simple handshake or promise can quickly become a snare for your future. Solomon warns us about the hidden dangers of becoming surety for another person, whether in finances, relationships, or careless commitments. This isn't just ancient financial advice—it's wisdom for guarding your freedom, your integrity, and your future. Before you make promises, co-sign loans, or obligate yourself in ways God never intended—pause and listen. One verse. Big consequences.Join the leading community for Conservative Christians! https://www.FaithandValues.comYou can partner with us by visiting https://www.FaithandValues.com/donate, calling 1-800-576-2116, or by mail at PO Box 399 Vero Beach, FL 32961.Get high-quality emergency preparedness food today from American Reserves!https://www.AmericanReserves.comIt's the Final Day! The day Jesus Christ bursts into our dimension of time, space, and matter. Now available in eBook and audio formats! Order Final Day from Amazon today!https://www.amazon.com/Final-Day-Characteristics-Second-Coming/dp/0578260816/Apple users, you can download the audio version on Apple Books! https://books.apple.com/us/audiobook/final-day-10-characteristics-of-the-second-coming/id1687129858Purchase the 4-part DVD set or start streaming Sacrificing Liberty today. https://www.sacrificingliberty.com/watchThe Fauci Elf is a hilarious gift guaranteed to make your friends laugh! Order yours today! https://tru.news/faucielf

Welcome back to another episode of The Richer Geek Podcast! Today, we're exploring a revolutionary banking strategy that's completely changing how Americans save, invest, and conquer debt. Forget everything you thought you knew about traditional banking – it's time for a major financial upgrade. Our guest, Bill Westrom, co-founder and CEO of TruthInEquity.com, brings 30 years of invaluable banking and lending experience to the table. He's here to expose how the traditional financial system often fails families and, more importantly, how to fix it. Bill will explain his innovative "credit line banking" approach, a powerful method that has helped families pay off debt up to four times faster, transforming financial stress into clarity and control. In this episode, we chat about… America's Debt Reality Check: We'll challenge the common perception of $18 trillion in consumer debt and explore how modern living expenses have fundamentally shifted, making traditional financial advice less effective. The Truth About Credit Card Payments: Uncover the hidden mechanics behind how credit card companies calculate minimum payments and why strictly adhering to their terms can keep you trapped in a cycle of never-ending debt. Credit Line Banking Fundamentals: Get a clear explanation of this game-changing strategy: banking directly out of a credit line instead of a traditional checking account to leverage your income just like the big banks do. The Money Flow System: A step-by-step breakdown of how to strategically move your income into credit lines to suppress balances and dramatically slash interest costs. Bill Payday Strategy: Learn why consolidating all your bill payments to a single day each month can unleash the maximum debt-crushing power of your income. The Payoff Formula: Discover a simple, powerful calculation that allows you to predict exactly how fast you can pay off any debt: Balance ÷ Surplus = Payoff Timeline. Key Takeaways The Problem with Banks: Your money helps banks make money, while you pay high interest on your debts. The Credit Line Answer: Using a credit line lets you use your own money to lower debt faster and pay less interest. You're in Control: This method puts you in charge of your debt payoff, not the bank.   Resources from Bill      LinkedIn | TruthInEquity.com   Resources from Mike and Nichole      Gateway Private Equity Group |  Nic's guide 

“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” - Proverbs 19:17As Christians, we're called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? Today, Dr. David W. Jones joins us to explore the ethics of giving to homeless people and how to show compassion without causing harm.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.A Biblical Call to Care for the PoorScripture is clear about God's concern for the poor and His expectation that we share that concern. Jesus said, “Give to the one who begs from you, and do not refuse the one who would borrow from you” (Matthew 5:42). The apostle John echoed this, writing, “If anyone has the world's goods and sees his brother in need, yet closes his heart against him, how does God's love abide in him?” (1 John 3:17).We should want to help those in need. The real question isn't whether we help, but how.Before we give, we should examine our hearts, because our initial reaction may often be judgmental, as we may assume that the person is lazy or addicted. But Dr. Jones calls this being “middle class in spirit”. Christ doesn't call us to be “middle class in spirit”—He calls us to be “poor in spirit” (Matthew 5:3).This shift in mindset is essential. Even if someone is unworthy of help, that's the very reason we should want to help them. What if God waited until we deserved His grace?Is It Wrong to Give Cash?That leads to the practical question: Should we give cash to someone on the street? While the act of providing cash isn't inherently wrong, it could enable harmful behavior.Instead, it may be more beneficial to prepare in advance by carrying granola bars or other non-perishable food items. Offer something that meets a need without enabling sin. If you have the time, offer to buy them a meal instead.This kind of planned generosity helps believers act as good stewards, offering love without ignoring potential consequences.But what if the person uses the money responsibly? Should we just leave that up to God?There's a balance because we can't know everything about someone's situation in a brief moment, but we are still called to be wise and loving. That means doing what we can with what we know, and entrusting the rest to the Lord.When a Handout Becomes a RelationshipSometimes, opportunities arise to do more than just meet an immediate need. Perhaps that involves building long-term relationships with individuals experiencing poverty or homelessness. These acts of sustained compassion often lead to deep transformation when we take the time to build a relationship with those who are struggling. This is an example of a development-based model of helping the poor, which contrasts with an aid-based model (like giving money or food on the spot). If a natural disaster causes poverty, aid is appropriate. However, if it's due to systemic injustice or poor choices, long-term involvement—such as discipleship, mentoring, and support—may be necessary.Overwhelmed by Need? Start With What's NearA common question is: Where do I even begin? The need is everywhere.The law of moral proximity encourages that we are most responsible for those closest to us. You may not be able to fix world hunger, but you can help someone in your neighborhood, church, or community.Big problems require big solutions, but God calls us to care for what's in front of us first.Our goal isn't just charity—it's Christlike love, expressed with wisdom. When we begin by checking our hearts, planning for wise giving, and staying open to deeper relationships, we reflect God's grace in practical ways.On Today's Program, Rob Answers Listener Questions:I was affected by the Windfall Elimination Provision, but recently received a lump sum check related to that. They also increased my monthly benefit by $700, though taxes are being withheld. What should I know about how the lump sum will be treated?I'm 47 and just starting my career after being a stay-at-home mom. My new job offers a 403(b) and will match up to 3%, but only after I've been there a year. Should I start contributing now, or wait until the matching begins?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

If your investments feel confusing or if you don't actually know your returns, & you have money scattered across different accounts, this episode is for you.I walk you through what you actually need to know to simplify your portfolio and add $1.2M to your net worth, without changing your contributions.Plus, how to go from a portfolio that runs out… to one that never draws down and compounds forever. Tune in to learn:What you actually need to know about managing your investmentsHow to add $1.2M to your net worth very simply, without changing the amount you're contributingHow to shift from a portfolio that runs out to one that compounds foreverWhy the market going up 11% in 2 months is costing you tens of thousandsHow women with babies, travel, and packed schedules still make time for this

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [DS]/[CB] manipulated the people into believing we were in a climate crisis, they changed the graphics to convince you it was hotter than the past, big fail. Elon is focusing in on the [CB] system and bringing attention to it. Michael Horowitz has been named IG of the Fed. Pieces are put into place. BBB passed Senate, this is just the beginning. The [DS] was distracted with the BBB, they went after the section that Trump setup to draw them away from what he wants. Trump calls for the arrest of Mayorkas. The [DS] had Elon and used his technology. They gave the tech to Iran and NK to build rockets to be used for WWIII. It seems that Trump is setting Elon free from all that by cutting all subsidies to the the green new scam. Optics are important. All roads lead to Obama and the [CB].   Economy https://twitter.com/cruadin/status/1940008358347489779   https://twitter.com/MarioNawfal/status/1939930016306942088   the mandates would be going, and he's said repeatedly in the past that the EV subsidy should end: “If you eliminated all EV incentives tomorrow, Tesla's competitive position would improve significantly. I'll say that again. If you eliminated all EV tax credits, Tesla's position would improve immediately.” S  https://twitter.com/WarClandestine/status/1939910877563490753   https://twitter.com/WarClandestine/status/1939915436943872198 https://twitter.com/KobeissiLetter/status/1940001236108918819 https://twitter.com/elonmusk/status/1939909939037901204 The U.S. debt ceiling has been raised, extended, or revised 78 times since 1960, according to multiple sources, including the U.S. Department of the Treasury and the Council on Foreign Relations. This includes 49 times under Republican presidents and 29 times under Democratic presidents. Some sources, like USA Today, suggest it has been raised at least 100 times since 1940, but the most commonly cited figure for the modern era (post-1960) is 78. Over the years, the debt ceiling has not been an effective mechanism for stopping waste and fraud in government spending. The debt ceiling is a legislative cap on the total amount of debt the U.S. government can incur, requiring Congressional approval to raise or extend it to allow continued borrowing for existing obligations, such as funding authorized programs, servicing debt, and meeting other financial commitments. Its primary function is to limit the government's borrowing capacity, not to regulate the quality, efficiency, or integrity of spending.Why the Debt Ceiling Doesn't Stop Waste and Fraud:  The debt ceiling addresses the aggregate level of federal debt, not specific budget items or program management. It does not inherently scrutinize or eliminate wasteful or fraudulent expenditures, which occur within the budgeting and execution of individual programs.   Debt ceiling debates often serve as political leverage for broader fiscal or policy negotiations (e.g., spending cuts or tax reforms). While these discussions may occasionally highlight waste or fraud rhetorically, the ceiling itself does not directly target or address such issues. For example, during debt ceiling negotiations in 2011 or 2023, the focus was on overall spending reductions or policy concessions, not specific anti-fraud measures.  Waste and fraud are typically addressed through other processes, such as: Audits by the Government Accountability Office (GAO) or Inspectors General (IGs) within federal agencies.

MSNBC's Ari Melber hosts “The Beat” on Monday, June 30, and reports on the Senate showdown as Republicans push to advance President Trump's mega-bill and the Supreme Court's decision limiting judges on how and when they can pause presidential policies. Juanita Tolliver, Jason Johnson, Adrian Clouatre, and Melissa Murray join.

On this TCAF Tuesday, Josh Brown sits down with Joe Davis, Vanguard's Global Chief Economist and Global Head of the Investment Strategy Group to discuss Vanguard's 50th anniversary, Joe's new book, AI, megatrends, inflation, and more! Then at 48:48, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠ and ⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠ including a special appearance by IPO expert Aaron Dillon! This episode is sponsored by Public and Rocket Money. Fund your account in five minutes or less by visiting: https://public.com/WAYT⁠ Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Visit: https://rocketmoney.com/compound   Sign up for ⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠ Public disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 6/24/25. APY is variable and subject to change. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt can be a scary word, really. It keeps you up at night, brings on the stress, and makes everything feel heavier. But you’re not alone. Once upon a time, Jen and Jill were there too. So in this episode, they’re once again sharing how they got through it and reminding you that it is possible.

PREVIEW: Brokenomics | Where Does The Debt Go? by lotuseaters.com

Tara sounds the alarm on America's spiraling debt as the clock hits $37 trillion—on track to reach $60 trillion by 2035 under Trump's proposed spending, unless the economy achieves unlikely sustained 3% growth. She breaks down Kevin Hassett's justification for the massive deficits, Jerome Powell's refusal to lower interest rates, and the looming crisis of refinancing trillions in debt at punishing rates. Meanwhile, Tara turns to the culture war as the DOJ formally accuses Harvard of violating civil rights laws by persecuting Jewish students while enabling violent pro-Hamas agitators. She applauds Trump's vow to strip federal funding from universities that promote anti-Semitism and warns that Christians will be next if the left's radical agenda isn't stopped.

Tara exposes the alarming trajectory of U.S. debt projected to hit $60 trillion by 2035, despite Trump's promises of fiscal discipline and economic growth. She scrutinizes the tense standoff with Federal Reserve Chair Jerome Powell over interest rates and refinancing, calling it economic sabotage designed to undermine Trump's agenda. In parallel, she delivers a scathing indictment of the COVID vaccines—citing peer-reviewed studies and VAERS data that point to hundreds of thousands of potential deaths, fertility destruction, and severe autoimmune disease. As Trump and Elon Musk escalate their feud over deficit spending and free speech, Tara warns that fracturing this alliance could cripple the conservative movement's ability to communicate, mobilize, and fight back.

In this explosive commentary, the host unpacks Elon Musk's overnight vow to fund primary challengers against any Republican who votes for Donald Trump's massive spending bill—calling it the largest debt expansion in U.S. history. While Musk spares Trump himself, he blasts GOP members as “psychopathic whores” betraying their promises of fiscal restraint. The segment details how Lindsey Graham and other Republicans are allegedly sabotaging the bill with poison pills to derail immigration enforcement and keep millions of illegal immigrants on benefits. Simultaneously, the transcript exposes the rising embrace of socialism and communism within the Democratic Party, highlighting New York mayoral candidate Zohran Mamdani's open calls to “seize the means of production,” which Senator Chris Murphy praised as “the future of the party.” The host warns that Americans are being led toward an authoritarian future by both corrupt Republicans and emboldened socialists—and calls for voters to confront these realities before it's too late.

In a sweeping breakdown of today's most urgent issues, Tara takes aim at the $60 trillion debt bomb projected by 2035 and the political infighting threatening to derail Trump's economic recovery plan. She warns of Federal Reserve sabotage under Jerome Powell, who she claims is intentionally keeping interest rates high to cripple the Trump agenda. Simultaneously, she unpacks disturbing new vaccine data—linking mRNA shots to fertility loss, sudden deaths, and autoimmune conditions—demanding a nationwide reckoning. Tensions between Trump and Elon Musk also escalate, risking the fragile alliance that gave conservatives a digital voice on X. With universities like Harvard under DOJ fire for anti-Semitic bias and unchecked campus violence, Tara calls for accountability at every level—from public health to federal funding, from the media blackout to MAGA's internal fractures. The stakes: truth, power, and the survival of the republic.

What does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? Today, we're talking about the legacy you'll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind.Jan Thompson is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and the co-founder of One Degree Advisors with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching. Legacy Is More Than MoneyWhen people hear the word “legacy,” most think of money or assets passed down after death. But that's only one part. Here are five interconnected aspects of legacy:Financial Legacy – Assets and resources passed on to the next generation.Personal Legacy – Your character, life choices, and how you'll be remembered.Family Legacy – The stories, traditions, and values shared through generations.Business or Ministry Legacy – The mission, culture, and influence of your work.Kingdom Legacy – The eternal impact of your life through faith, generosity, and gospel-centered living.When families neglect the non-financial elements, their wealth is often left without context, and that's when legacies tend to fail. The legacy failure rate is alarmingly high when these pieces are missing.Wisdom Before WealthThe largest wealth transfer in history is currently underway, but statistics indicate that wealth rarely lasts beyond three generations. Why? Here are three reasons:Lack of trust and communication.Unprepared heirs.Absence of shared values or a clear family vision.Wealth is a valuable tool, but without wisdom and unity, it often leads to division. Psalm 78:5–7 provides a beautiful framework for legacy planning across generations:“He established a testimony in Jacob… that they should teach them to their children, that the next generation might know them… so that they should set their hope in God…”These verses highlight three keys to a lasting legacy: remember God's works, share your stories, and live in obedience. Whether through blessings or mistakes, we encourage families to reflect on the ways God has been present in their journey and to discuss it openly.Practical Tools and ResourcesTo help families start this process, you can join a weekly email list at SomewhereOnPurpose.com that will provide you with simple actions to take toward building a meaningful legacy.Remember, legacy doesn't build itself—intentional steps must be taken. And while many families delay because they don't know where to start or feel too busy, procrastination is the “silent killer” of strong legacies.Start today. Expose your family to serving others. Take a mission trip. Engage in a local service project. Let them see the joy of generosity firsthand.Become a FaithFi PartnerRight now, more people than ever are looking for biblical wisdom to navigate their finances. When you become a FaithFi Partner, you help equip believers to trust God and steward His resources for Kingdom purposes.As a Partner, you'll receive:Early access to new resourcesA print subscription to our Faithful Steward magazineThe Pro version of the FaithFi appJoin with your gift of $35/month or $400/year at FaithFi.com/Partner.Together, we can help more families leave a legacy that reflects their faith, not just their finances.On Today's Program, Rob Answers Listener Questions:My aunt was a generous giver throughout her life, but she now has dementia and is in full-time care, which is becoming increasingly expensive. As her guardian, what's the responsible way to honor her lifelong heart for generosity while also making sure her care needs are fully met?A good Christian friend of mine is buried in debt. I've tried to encourage him to experience the freedom of living debt-free, but I'm running out of ways to motivate him. Any advice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonSomewhereOnPurpose.comOne Degree AdvisorsWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever felt anxious talking about money—even when you’re doing everything “right”?Are you working hard but still not sure where your money is going?Are you afraid of investing because it feels too complicated or risky? In this episode of A Really Good Cry, Radhi sits down with Vivian Tu—former Wall Street trader and founder of Your Rich BFF—for a grounded, eye-opening conversation on money, mindset, and how financial literacy can be a form of healing. Vivian shares her journey from the pressure-cooker world of finance to becoming one of today’s most trusted voices in personal wealth education. Together, they unpack the emotional layers we carry around money—shame, scarcity, comparison—and how learning the basics can unlock freedom, confidence, and joy. This isn’t about hustle culture or rigid budgets—it’s about clarity, empowerment, and creating a financial life that supports your well-being. In this episode, you’ll learn: How to shift from financial shame to financial clarity Why debt isn’t always bad—and how to make it work for you How to build healthy money habits without sacrificing joy The most common mistakes people make with savings, credit, and investing Simple ways to get started—even if you're earning less or starting late What women should really know about financial independence If you’ve ever felt like money was too overwhelming to figure out, this conversation will help you feel grounded, informed, and empowered to take your next step—with compassion and confidence. Follow Vivian Tu:https://www.linkedin.com/in/viviantu-yourrichbffhttps://www.instagram.com/your.richbffhttps://www.tiktok.com/@yourrichbff Follow Radhi:https://www.instagram.com/radhidevlukia/https://www.youtube.com/channel/UCxWe9A4kMf9V_AHOXkGhCzQhttps://www.facebook.com/radhidevlukia1/https://www.tiktok.com/@radhidevlukiaSee omnystudio.com/listener for privacy information.

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Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

The 'Buy Now, Pay Later' option is growing in popularity and now these loans will be a factor in credit scores. Imani Moise, personal economics reporter for The Wall Street Journal, explains how it works, and listeners call in to talk about how they use the services, and whether or not it has been helpful as they manage their finances. 

A blockbuster new study out of MIT takes a closer look at the impact of writing with the help of AI. In today's episode, Cal breaks down this paper with the help of author Brad Stulberg (who made waves online recently with his reaction to its findings), picking apart the role of AI in deep work activities. Cal then answers listeners questions, and presents a twist on his typical final segment in which he now describes what he is not reading this week, which provides him a thinly-concealed excuse to rant about AI coverage.Below are the questions covered in today's episode (with their timestamps). Get your questions answered by Cal! Here's the link: bit.ly/3U3sTvoVideo from today's episode:  youtube.com/calnewportmediaDeep Dive: Should We Fear Cognitive Debt? [2:15]Can AI be creative? [44:35]What's the smallest change I can make to address my disorganization? [48:31]How do I find time for personal projects? [53:12]How should I choose my next internship? [1:06:08]How did you develop your goal-setting philosophy? [1:11:46]CALL: Inbox Zero and Notion [1:14:50]CASE STUDY: A Thoreau Schedule [1:24:01]WHAT I'M (NOT) READ: AI CEO's hot takes on work [1:32:49]Links:Buy Cal's latest book, “Slow Productivity” at calnewport.com/slowGet a signed copy of Cal's “Slow Productivity” at peoplesbooktakoma.com/event/cal-newport/Cal's monthly book directory: bramses.notion.site/059db2641def4a88988b4d2cee4657ba?fortune.com/2025/06/20/openai-ceo-sam-altman-ai-phds-entry-level-corporate-job-cuts-what-is-left-gen-z-college-gradautes/Thanks to our Sponsors: shipstation.com/deepsmalls.com (Use code “DEEP”)notion.com/calharrys.com/deepThanks to Jesse Miller for production, Jay Kerstens for the intro music, and Mark Miles for mastering.

In this episode of the Personal Finance Podcast,  we are going to talk about the 9 things you need to do to become a millionaire next door. Watch this episode on Youtube. How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off! DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.  This episode is sponsored by Plaud https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don't have to take notes and make summaries anymore.  Links Mentioned in This Episode:  How to Run the Numbers on a Rental Property (And the Mistakes You MUST Avoid) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In all things give thanks. Giving thanks keeps concern and arrogance away. Blessings will flow easier. But pettiness is forever. #pettylujah You can be courageous and scared. Tina Knowles Matriarch 2025. Why let debt rob you of wealth? Stock investments one vehicle to getting to the bag. Let your money work for you! Did you know some companies make their earning look better than reality? Check out Earning Quality from Chaikin Analytics and in this volatile market pick some winners and dump losers. Diddy Did that -ish, Real-T better than lies Phaedra take notes, #RHOA Reunion Lerwks and Trailer dropped, some mad snaps other #meh . Contact Us on: https://linktr.ee/tnfroisreading Blue Sky: @tvfoodwinegirl.bsky.social Threads: www.threads.net/@tnfroisreading Instagram: @tnfroisreading Facebook: TNFroIsReading Bookclub   You know your girl is on her hustle, support the show by navigating to: Dale's Angel's Store...For Merch Promo Code: tnfro Writer's Block Coffee Ship A Bag of Dicks Promo Code: tnfrogotjokes Don't forget to drop me a line at tnfroisreading@gmail.com, comments on the show, or suggestions for Far From Beale St additions.

[00:30] The Kingdom's Court (26 minutes)The Supreme Court's conservative majority infuriated the radical left this week with several excellent rulings. Justice Amy Coney Barrett authored a majority opinion for one case that eviscerated leftist Justice Ketanji Jackson's unconstitutional argument. [26:40] A Big, Beautiful Load of Debt (18 minutes)President Trump's “big, beautiful bill” will add an ugly load of debt to our already debt-laden economy. Meanwhile, Iranian officials are claiming that the U.S. attack on its nuclear facilities was not as destructive as originally reported—but the president is doubling down on his claim that the Iranian nuclear program is finished. [44:30] Celtic Throne Brings Joy to the UK (11 minutes) Performer Bob Vylan spewed anti-Semitic hatred at the Glastonbury music festival, streamed to the entire nation on BBC. In contrast, Celtic Throne continued its joyful tour of the UK this week.

In this episode, Tara and Lee dissect the explosive fight over the so-called “big beautiful bill”—a sprawling budget package that has splintered the GOP in Congress. They break down how Senate leaders, including Lindsey Graham, tried to slip in Medicaid funding for 1.4 million illegal immigrants, violating federal law before walking it back under pressure. Despite claims of fiscal discipline, the bill still adds $3.5 trillion to the deficit over a decade—more even than Biden's spending—and could leave America with $60 trillion in debt by 2035. Economic advisor Kevin Hassett insists the plan will pay for itself if the country can achieve 3% growth and maintain tariff revenue, but Tara notes the track record doesn't support those rosy assumptions. They also explain how Republicans hope to offset some costs with rescission bills to cut funding for agencies like NPR and USAID—but question whether Congress has the will to follow through. The segment closes with updates on Big Balls (a nickname for the investigator cracking down on Social Security fraud) and a preview of rising nuclear tensions with Iran.

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“The purposes of a person's heart are deep waters, but one who has insight draws them out.” - Proverbs 20:5Today, we're kicking off a new series on temperaments, how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and how it influences our financial decisions.Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.Traci Shepherd is our Red Temperament representative for this episode. What Are the Four Temperaments?For those who are new to the concept of the four temperaments, here is a helpful summary:Yellow (Sanguine): Speaks the language of people and fun – an extroverted, people-oriented personality.Red (Choleric): Speaks the language of power and control – an extroverted, task-oriented personality.Blue (Melancholic): Speaks the language of perfection and order – an introverted, task-oriented personality.Green (Phlegmatic): Speaks the language of calm and harmony – an introverted, people-oriented personality.Each temperament influences how we speak, listen, behave, and manage our finances.The Red Temperament: Driven and DecisiveReds are typically goal-oriented, confident, and solution-focused. They don't just talk about getting things done; they make it happen. In relationships, this drive often leads them to step in and take over when others hesitate. But that same strength can become a weakness if it turns into controlling behavior rather than collaborative leadership.The Red temperament often feels the need to fix things. This framework helps them see the strength behind that impulse and offers tools to balance their drive with empathy.Red Temperament and Money: It's All About the PlanReds tend to view money as a means to accomplish their goals. They prefer clarity, efficiency, and structure. But they may clash with other temperaments—for instance, a Yellow, who values fun, spontaneity, and experiences.Rather than labeling other spending styles as wrong, having this awareness can enable more honest conversations, especially in relational tensions within areas like finances. Strength with Compassion: Communication Tips for RedsReds bring immense value to financial decision-making. Their clarity of vision and drive for results help families and teams move forward. Reds are bullet-point, bottom-line thinkers, but that doesn't mean they've ignored the details. They're often 10 steps ahead.To foster healthier communication, Kathleen encourages Reds to:Pause before respondingAsk questions with curiosity (“What do you think?” or “How do you feel about this?”)Listen to understand, not just to replyThese simple shifts can transform conflict into connection.The Emotional Needs of a RedReds have core emotional needs that must be honored, especially in financial conversations:Loyalty—Knowing others have their back.Sense of Control—Either having control or trusting someone else is in control.Appreciation—Being valued for their strengths.Credit for Work—Recognition for their contributions.When these needs go unmet, Reds can respond with frustration or harshness. However, when those needs are met, they become dynamic and inspiring leaders.What to Remember if You or Someone You Love is a RedRemember that your wiring is a gift. But don't rush ahead. Bring others with you. It's not about controlling; it's about being prepared and feeling safe.And for those in a relationship with a Red? Remember, they're not trying to be harsh. They just want to know the plan.Want More?Reds are uniquely wired to be visionaries. When they lead with both confidence and compassion, transformation happens in conversations, relationships, and financial decisions.As we continue this series on temperaments and money, we'll explore how each personality type contributes to God-honoring stewardship. When every voice is heard, and every strength is valued, we grow not just in wisdom but in unity.Read Kathleen's full article on how the four temperaments shape our financial decisions in the latest edition of Faithful Steward. Receive your copy each quarter by becoming a monthly partner at $35 a month or $400 a year at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:My husband and I sold our primary home last year and are now looking to invest in multifamily real estate. I also run my business out of another property we own, which still has a $180,000 mortgage with a 3.75% interest rate. We're considering doubling our monthly payments to pay it off early. Would that be a wise financial move?My 68-year-old friend has a whole life insurance policy with a cash surrender value of $36,000. How can that money be accessed, and what happens to the policy if it's surrendered or discontinued?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Declare your independence! In this special Independence Day episode, Art challenges listeners to declare their own Debt-Free Independence Day—a moment to break free from the weight of debt and commit to a new financial future. Don't miss it!Resources:8 Money MilestonesMy Church Staff: StewardshipAsk a Money Question!

There's a quiet shift happening in the way we spend money and it's costing us more than we realize. Small payments, auto-splits, and “buy now, pay later” options have become the new normal, and while they seem harmless, they're creating habits that lead to quiet, creeping debt. Especially in the military community, where transitions and tight budgets are already part of the equation, these modern money habits can quickly get out of hand and lead to mounting debt. In this episode, I'm digging into the everyday spending behaviors that seem like smart choices but often backfire. I'll talk about how things like Pay Later options, subscription overload, and loan stacking are affecting military families and what you can do instead to protect your finances and build real financial stability.

Steve Gruber discusses news and headlines 

Is the economy heading toward a recession… or are we already in one and just don't feel it yet?In this episode, retail real estate economist Garrick Brown breaks down the current economic climate and its ripple effects on consumers, developers, and investors. He tackles quirky contradictions in the market: why retail sales are holding steady despite sky-high credit card debt, how tariffs haven't caused immediate pain but are a ticking inflationary time bomb, and why the construction slowdown might be more self-inflicted than cyclical. From rising interest rates to consumer spending patterns, Garrick dives into key metrics he's watching closely—like year-over-year retail sales, restaurant trends, and credit usage—to predict what's next. He offers sharp takes on howretail is evolving beyond traditional models, the dangers of overreliance on debt-fueled expansion, and how political and policy uncertainty is crippling market momentum. Plus, he reveals where growth might still be found and how investors can reposition themselves smartly in this environment. If you're a commercial real estate investor, broker, developer, or even a retail brand navigating post-COVID uncertainty—this episode is a must-listen. Garrick'sinsights are invaluable for anyone trying to understand where the market is headed in the next 12–18 months and how to spot real opportunity in the noise.Don't miss it.

Zach Abraham from Bulwark Capital joins the Chicks to break down the 8 expenses retirees wish they'd cut sooner—from car payments to bougie groceries. Daisy confesses her Starbucks mug addiction, and Zach explains why debt (especially credit cards!) is the real wealth killer. Don't wait!  Visit  https://KnowYourRiskPodcast.com to schedule your free Know Your Risk Portfolio Review with Bulwark Capital.

For this week's Bitcoin Season 2 Writer's Room, a news roundup that includes some terrible advice from the gigachad himself, and why bitcoin may soon count as an asset when you apply for a mortgage. You're listening to Bitcoin Season 2. Subscribe to the newsletter, trusted by over 16,000 Bitcoiners: https://newsletter.blockspacemedia.comWelcome back to Bitcoin Season 2! Today, Charlie and Colin break down Michael Saylor's Bitcoin Prague keynote where he tells people to leverage it all for bitcoin - including borrowing from family members (what could go wrong?). Plus, the FHFA's directive ordering Fannie Mae and Freddie Mac to recognize crypto as legitimate assets for mortgages, a new Bitcoin stablecoin launch, and the weird on-chain "clocking in" game that's creating the only regular fees on Bitcoin right now.NOTES:• Bitcoin trading at $107,000-$108,000• Michael Saylor's BTC Prague Keynote: Debt for BTC• FHFA order for recognition of crypto as an asset for mortgages• Transaction fees only 2 sats per byte • Tether market cap at $157 billion• Crypto market cap over $3 trillion total• Bitcoin market cap over $2 trillion• People clocking in 30+ days straightTimestamps:00:00 Start02:10 Saylor says leverage = good11:37 Bill Putle BTC as loan backing20:18 Stablecoins on BTC29:16 Make sure you clock in!-

Is the American Dream Dead Debt, Inflation & Crisis R. Christopher Whalen Interview by Ron Paul Liberty Report

Megyn Kelly begins the show by breaking down the historic and newsy Pentagon press conference with Secretary Hegseth, the mic drop moments of Hegseth sparring with the press, the terrible coverage of the successful Iran nuke mission, and more. Then Josh Holmes, Comfortably Smug, Michael Duncan, and John Ashbrook, hosts of the Ruthless podcast, join to discuss how the left and the media tried and failed to downplay the successful Trump Iran mission, the truth about the effectiveness of the strikes, some of the worst TDS partisan media reporting this week, Jake Tapper suddenly lecturing about the job of a journalist, Natasha Bertrand's terrible Iran strikes reporting this week and her history of awful fake spin for the intel community, Megyn's parody of Michelle Obama's podcast which will premiere tomorrow, how consistently negative Michelle sounds in her episodes, Barack Obama celebrating himself, Trump's "Daddy" moment at NATO this week, the respect he's earned from prominent world leaders, ridiculous media coverage of the trip, the rise of deranged white guilt on the left that led to Zohran Mamdani's victory in NYC, leftist youth disillusioned by capitalism, whether Eric Adams has a chance to stop Mamdani's win, and more.More from Ruthless: https://ruthlesspodcast.com/Done with Debt: https://www.DoneWithDebt.comFYSI: https://FYSI.com/Megyn or call 800-877-4000SimpliSafe: Visit https://simplisafe.com/MEGYN to claim 50% off & your first month free!Home Title Lock: Go to https://hometitlelock.com/megynkelly and use promo code MEGYN to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warrantyFollow 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