Podcasts about Debt

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, explains why Americans remain uncomfortable with gold despite it hitting new highs - it implies dollar weakness after 150 years of reserve currency dominance. He reveals FDR seized the Federal Reserve's gold in 1933 with little compensation, while today US gold allocation sits under 1% of portfolios versus growing central bank accumulation. Whalen defends his call for earlier Fed cuts. He sees gold reaching $5,000+ by end of 2026 as US allocations shift from under 1% toward 2%, while warning the average person without assets continues getting screwed as the Fed will eventually monetize Treasury issuance through financial repression.Sponsor: Monetary Metals. https://monetary-metals.com/julia Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 Welcome and introduction - Chris Whalen's first in-studio appearance0:24 Julia's introduction highlighting Chris's credentials and analysis1:16 Fed takeaway - Steve Miran only governor wanting 50bp cut2:19 Housing emergency coming - Fed drove prices up, Trump faces constraint2:31 Housing scenarios - mortgage rates retreating after quarter point4:17 Monetary Metals ad read5:34 Housing psychology - homeowners trying to sell at the top6:53 Office space comparison - no longer premium asset class7:38 Fed rate cut outlook - may not see more cuts for months9:58 Bank balance sheet problems - mortgage securities underwater10:54 Politics of inflation - housing affordability crisis13:10 Viewer housing question response - Florida 1924 parallels15:32 DC trip on GSEs - still no roadmap from Treasury18:43 Fannie/Freddie trade - made 30% then got out19:54 Taking profits22:36 Watching the herd mentality25:20 Dollar/deficit thesis - weaker dollar, Treasury pressure ahead27:47 Fed restructuring vision - eliminate Board of Governors31:09 Housing emergency declaration - resuming MBS purchases discussion33:51 Mixed economy - wealthy vs bottom quartile struggling34:34 Debt myths - Americans love inflation, debt is currency36:18 Highest conviction trade - gold and strategic silver

On this episode of the BobbyCast, Bobby sits down with finance expert and CEO of Ramsey Solutions, Dave Ramsey. He shares his story of being $3 million in debt, filing for bankruptcy, and why his marriage was hanging by a thread. Dave shared his rule why he never offers to give listeners money and if he carries cash on him. Dave shares why mostly everything on TikTok is WRONG. He also talked about his coolest friend that is famous, why NFL players and professional athletes continue to go broke, and much more! Check out: RamseySolutions.com Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on YoutubeSee omnystudio.com/listener for privacy information.

Thanks to Trump unifying the party and Democrat overreach, Republicans have surprisingly held strong on the shutdown. We first delve into a new, dangerous agreement to defend Qatar in case of war. At a time of global intifada being fomented by the Muslim Brotherhood, why is there no outcry about elevating Qatar to de facto NATO status? Next, we're joined by Rep. Andy Harris (R-Md.), the chairman of the House Freedom Caucus. He notes how Republicans have a chance to win not only the government shutdown fight but the Obamacare subsidy fight by countering the narrative on health care. Sadly, they are hampered by a lack of numbers in Congress, but Harris argues that the Freedom Caucus' influence is growing. He says candidates are approaching the group a year in advance and pledging to join the merry band of conservative warriors.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Federalist Radio Hour, Veronique de Rugy, the George Gibbs chair in political economy and senior research fellow at George Mason University's Mercatus Center, joins Federalist Senior Elections Correspondent Matt Kittle to explain the conditions that led to the current government shutdown, analyze whether Congress will ever rein in the national debt, and discuss what elected officials need to do to resolve the latest spending disagreement. If you care about combating the corrupt media that continue to inflict devastating damage, please give a gift to help The Federalist do the real journalism America needs.  

Turn online alignment into an offline community — join us at TheWayFwrd.com to connect with like-minded people near you. It's the best way to support this podcast and the movement we're building together: https://thewayfwrd.com/join/ Govinda Tidball joins Alec for a conversation on sovereignty, commerce, and the hidden financial systems underlying taxes and debt. He shares how perfected filings, unrebutted affidavits, and blockchain records have been used to reclaim the Living estate, and introduces his vision for covenant-based governance and Living Credits as a successor to fiat. They discuss birth certificates as financial instruments, how assets are pledged into hidden ledgers, and why true restoration requires alignment with covenant and truth. For more details, links, timestamps and resources mentioned in this episode, visit our website: https://thewayfwrd.com/content/ Resources and Links UCC-1 CID Blockchain Record (#77): https://gateway.pinata.cloud/ipfs/bafybeid7ydnn2xtoq4omfqgml2kwqtbjgahjv67cy4ruuofdjx3zht4lxe Death of Taxes NFT: https://opensea.io/item/matic/0x1a5940410122273d81a01526f16e925f15ea44c9/1 Ministry of Health Substack: https://substack.com/@ministryofhealth   The Way Forward podcast is sponsored by: New Biology Clinic: Redefine Health from the Ground Up Experience tailored terrain-based health services with consults, livestreams, movement classes, and more. Visit https://NewBiologyClinic.com and use code TheWayForward for $50 off activation. Way Forward members get the fee waived: https://thewayfwrd.com/membership-sign-up/ ————————— Sleep Deeper with BiOptimizers Magnesium Struggling with restless nights? Magnesium deficiency may be the reason. Try Magnesium Breakthrough: https://bioptimizers.com/alec — use code ALEC10 for 10% off. ————————— RMDY Collective: Homeopathy Made Accessible High-quality remedies and training to support natural healing. Enroll: https://rmdyacademy.org/?bg_ref=MKho6KZowaExplore: https://rmdycollective.org/?bg_ref=MKho6KZowa —————————  

Financial blunders aren't new. Consider this: the web portal Excite once passed on buying Google for just $750,000. Today, Google's parent company is worth over $2 trillion. That, my friends, is a legendary missed opportunity.Most of us won't miss out on trillions, but we've all made financial mistakes. The good news is that God's Word offers wisdom for recovery and direction when we stumble.Learning from FailureScripture reminds us that falling isn't the end for those who walk with God:“For the righteous falls seven times and rises again” (Proverbs 24:16).“For you, O Lord, are good and forgiving, abounding in steadfast love to all who call upon you” (Psalm 86:5).“If any of you lacks wisdom, let him ask of God … and it will be given him” (James 1:5).Failure can be a stepping stone when we let God guide us forward. With that encouragement, here are 10 financial mistakes to avoid—and biblical wisdom to help you course-correct.1. Borrowing from Your 401(k)It feels like “borrowing from yourself,” but it often masks overspending or debt. While repaying, you may miss out on employer matches and the compounding growth that comes with them. Worse, leaving your job could trigger taxes and penalties.2. Claiming Social Security Too EarlyStarting at 62, benefits are reduced by up to 30%—for life. If possible, wait until full retirement age (or beyond) for a larger monthly check that lasts as long as you do.3. Only Paying the Minimum on Credit CardsA $5,000 balance at 20% interest can take nearly a decade to pay off with minimum payments, costing more than $8,000 in interest. Pay extra and utilize debt payoff strategies, such as the snowball or avalanche method.4. Delaying Retirement SavingsCompound interest rewards the early saver. Even small contributions in your 20s can grow into a significant nest egg. Don't panic if you're starting late—just start now.5. Overextending Yourself for Your KidsHelping with college, weddings, or down payments shouldn't jeopardize your own financial stability. Generosity is good, but if you sacrifice retirement now, you may depend on your kids later.6. Going It Alone Without Wise CounselMany sell low during downturns because they lack guidance. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” Seek out wise, faith-based financial advice.7. Co-Signing a LoanScripture warns: “One who lacks sense gives a pledge and puts up security in the presence of his neighbor” (Proverbs 17:18). About 40% of co-signers end up paying the loan themselves. Be wise in your generosity.8. Quitting School Too SoonEducation—whether a four-year degree, trade school, or certification—equips you with marketable skills. Think of it as an investment in your future, not just a cost.9. Buying a TimeshareTimeshares are marketed as affordable luxury, but often come with steep fees, little flexibility, and low resale value. They're rarely the “investment” they claim to be.10. Falling for ScamsScammers prey on fear, urgency, and greed. Whether through fake calls, emails, or investment pitches, their goal is always the same—to separate you from your money. Be vigilant and discerning.Walking Forward in FreedomJesus warned His disciples: “I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves” (Matthew 10:16).Wise stewardship isn't about never failing—it's about learning, leaning on God's wisdom, and moving forward faithfully. With His help, you can recover from mistakes and grow into a more faithful steward of His resources.———————————————————————————————————————At FaithFi, we believe money is a tool to advance God's Kingdom. When you partner with us, you help more people discover the freedom of biblical stewardship and the joy of seeing God as their ultimate treasure.Become a FaithFi Partner today with your gift of $35/month or $400/year, and you'll receive:Early access to devotionals and studiesOur quarterly Faithful Steward magazineThe Pro version of the FaithFi appTogether, we can live as wise stewards and help others do the same.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from a former employer, and I'm thinking of rolling it into a traditional IRA. Is that wise? And can I withdraw some cash during the transfer without incurring a penalty?I purchased a house in 2019 and now require a loan of $20,000–$30,000 to address basement flooding. What's the best loan option?I'm almost 80 and want to close several credit card accounts. How much would that hurt my credit score?I hold CDs jointly with my sister, but we're worried she could be liable if I get sued. Should I change the ownership before they mature?I'm considering joining Christian Community Credit Union, but I noticed that it isn't FDIC insured. Should that be a concern?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)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. Hosted by Simplecast, an AdsWizz company. 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In this episode of For the Good of the Public podcast, Michael and Phebe present a talk by Ndidi Okonkwo Nwuneli, President and CEO of ONE Campaign. Ndidi shares the vision she sees for the future of Africa and the role the ONE Campaign has played to ensure that everyone has a seat at the table. She takes us through the organization's history of fighting for justice and equity and her personal motivation that is grounded in humility, curiosity and upholding the dignity of all people. Watch the video recording of this talk on YouTube! “(Ndidi's) really one of the most compelling social entrepreneurs that I've come across in my life.” -Michael [00:26] “So much of the advocacy and the wins that the ONE Campaign has had over the last two decades of their work have been grounded in faith-based activism and have been the result of faith leaders, pastors, Christian artists coming together to advocate for the end of global poverty.” -Phebe [02:29] “What we want to do under my leadership is really invite people who are sitting across the aisle to connect in a deeply human level. A level where we see each other, where we trust each other, but where we also believe we're here on assignment. And where we are here because we have a legacy that is bigger and deeper than our own.” -Ndidi [12:20] TIMESTAMPS [00:00] Intro [04:43] History of ONE Campaign [08:07] Ndidi's vision for Africa [13:30] Humanity and equity [17:06] Outro REFERENCES For the Good of the Public Summit Ndidi Okonkwo Nwuneli, President and CEO of ONE Campaign Drop the Debt campaign President's Emergency Plan for AIDS Relief (PEPFAR) TED Talk: The role of faith and belief in modern Africa CONNECT WITH US: Website: www.ccpubliclife.org X: @CCPublicLife Facebook: Center for Christianity & Public Life Instagram: @ccpubliclife Learn more about your ad choices. Visit megaphone.fm/adchoices

In part 5 of Fuller Speed Ahead: Generational Grit, Craig Fuller sits down with trucking legend Max Fuller for a raw look at his career. Max shares shocking stories from his early days working for his father, Clyde Fuller, in the 1970s—including using questionable tactics to keep the business afloat and Max's bold move to defy his father's low-profile approach to branding. Learn more about your ad choices. Visit megaphone.fm/adchoices

Visit our website to learn more about The God Centered Concept. The God Centered Concept is designed to bring real discipleship and spreading the Gospel to help spark the Great Harvest, a revival in this generation. www.godcenteredconcept.comKingdom Cross Roads Podcast is a part of The God Centered Concept.In this conversation, T.S. Wright and Joy Suzanne Hunt discuss the critical intersection of financial stewardship and discipleship within the Christian community. Joy shares her personal journey of overcoming significant debt and how it impacted her ability to fulfill her calling. They explore the challenges Christians face regarding money, the importance of biblical principles in financial management, and the necessity of intentional planning. Joy emphasizes that getting out of debt is not just about finances but about positioning oneself to be available for God's calling. The discussion concludes with practical resources for listeners to begin their journey towards financial freedom.TakeawaysJoy Hunt paid off $106,000 in debt in three years.Financial stewardship reflects our discipleship and heart.Debt is often marketed to us, leading to mixed messages.Many pastors avoid teaching about finances due to fear.Intentionality in budgeting is crucial for financial health.Everything we have belongs to God; we are merely stewards.Contentment is key to financial peace and freedom.Planning is essential for managing finances effectively.Living within our means prevents financial strain.Community support is vital in the journey to financial freedom.Mentioned in this episode:25/40 Campaign

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00:00:00 – Cold Open, Clips & Chaos Loose intro, tech hiccups, and a fast pivot into “clips of the week,” featuring a barrage of Alex Jones soundbites (old gravelly vs. current voice), plus a quick, context-free Trump clip to set the show's tone. 00:10:00 – “It's All Happening” & Bankruptcy Theater Speculation that sheriff's deputies could seize Alex Jones/Infowars gear “as early as tomorrow,” with riffs on the supposed value of studio computers and Jones' knack for rebooting operations overnight. 00:20:00 – Area 51 Double-Header: Gunfire & a “Mysterious Aircraft” Two back-to-back incidents near Area 51/Creech/Nellis spark theories: contamination and an escape attempt, witness suppression by “making him look erratic,” or a PSYOP stress test to coordinate base responses. Hosts play a local TV hit about a drone/aircraft “incident” and connect dots with humor (and rock-lifting dares at the gate). 00:30:00 – Hollywood vs. Synthetic Stars Debate over an “AI actress” getting agent attention and a producer touting a film “helmed” by a virtual director; SAG-AFTRA pushback; the hosts argue audiences still want human experience—even if cartoons/CG are beloved. They predict an “AI first hit, then bust” cycle. 00:40:00 – Pets: Love, Debt, and Domestic Diplomacy A sobering segment on pet costs (lifetime cat/dog totals), “pet poverty,” and the real logistics of blending a dog-and-cat household; one story has a couple divorcing over warring pets. Personal anecdotes, math-y back-of-the-napkin costs, and hard-won advice. 00:50:00 – What Happens After We Die? (UVA's DOPS) Deep dive into UVA's Division of Perceptual Studies: near-death experience patterns (tunnels, life review, veridical O.R. details under anesthesia), cultural lenses, and lingering unknowns because…consciousness itself remains unsolved. 01:00:00 – Space Rocks, Nukes, and the Wow Signal An asteroid with a small chance of hitting the Moon in 2032 prompts “nuke it?” jokes and movie throwbacks (Deep Impact/Armageddon), while Avi Loeb's musing ties 3I/ATLAS to the 1977 “Wow!” signal—fun, provocative speculation. 01:10:00 – Fat Bear Season & Aisle 9: Bear Animal news palate cleanser: Fat Bear Week hype (why bulking matters before hibernation) and a baby bear wandering into an Arizona grocery store—equal parts cute and chaotic. (Video described; no injuries.) 01:20:00 – Pumpkin Spice Cabal They uncover Starbucks' “Leaf Rakers Society,” a private, all-things-autumn fan group with a tongue-in-cheek “secret handshake,” and riff about seasonal cult vibes, memes, and moderators keeping things squeaky clean. 01:30:00 – Local Roads, Bad Choices Ohio highway anecdotes and viral clips: drivers stopping in live lanes to force last-second exits; ODOT scolding; a reminder to “take the next exit” instead of causing carnage. 01:40:00 – Night-Snack Science: What Not to Eat Before Bed From aged cheeses (tyramine → stress hormones) to salty chips and sugar bombs, they run a late-night food blacklist with comedic “bedtime steak” and cereal confessions—and why those choices sabotage sleep. 01:50:00 – Sleep Killers, Continued More don'ts (donuts, spicy foods, soda, etc.), wrapped in escalating bits about in-bed snacking disasters and derailed diets—plus one last Alex-style rant cameo for good measure. 02:00:00 – Wind-Down & Housekeeping Quick recap, moderation jokes (“in moderation, my guy”), thanks to listeners, site/merch housekeeping, and a sign-off that hints at more weird news next time. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2  

Send us a textWarren Buffett is still making big moves at 95 years old. His latest play? A $10 billion bet on OxyChem, the petrochemical arm of Occidental.In this episode of Market Outsiders, Namaan and Jenny Rae unpack what makes this deal stand out. They break down the financial engineering behind it, why debt reduction matters in today's macro climate, and how it fits into the broader Buffett Playbook. From shareholder buybacks to Buffett's trademark “handshake” style, this is a masterclass in deal dynamics.Links mentioned in the episode:Occidental 10-K (FY 2024)Latest Buffett Shareholder LetterPrevious episode: What Record Stock Buybacks Signal (August 11, 2025)Previous episode: Kraft Heinz Breakup Signals the End of Scale at All Costs(September 2, 2025)Invest in Project Management Training for your teamTimestamps:00:19 Buffett at 95 makes a $10B deal01:26 The Buffett Index and Woodstock of Capitalism02:32 The Buffett Playbook: deal vs. business05:28 Breaking down the OxyChem acquisition06:18 Why stock buybacks matter08:17 Debt, interest rates, and timing the deal12:07 Berkshire's 28% stake in Occidental15:34 Buffett's secret: the handshakeGet real consulting experience from your bedroom in the November 2025 Strategy Sprint project; $200 off expires October 3 Listen to the Market Outsiders podcast, the new daily show with the Management Consulted teamConnect With Management Consulted Schedule free 15min consultation with the MC Team. Watch the video version of the podcast on YouTube! Follow us on LinkedIn, Instagram, and TikTok for the latest updates and industry insights! Join an upcoming live event - case interviews demos, expert panels, and more. Email us (team@managementconsulted.com) with questions or feedback.

What does true generosity look like? Is it measured by the size of the gift, or is it something deeper?In Luke 21:1–4, Jesus praises a widow who gave only two small coins. At first glance, her offering seems insignificant compared to the wealthy donors around her. Yet, in Jesus' eyes, her gift was greater than them all. Why? Because God doesn't measure generosity by the amount—it's the heart behind it that matters.The Scene at the TemplePicture the temple courts: the wealthy making large, noticeable contributions, drawing admiration for their gifts. Then comes a poor widow. No fanfare. No applause. Just two copper coins—economically worthless. Yet Jesus declares that she has given more than anyone else.The difference? The wealthy gave from their abundance, gifts that cost them little. The widow gave out of her poverty—all she had to live on. Her gift was not just generous; it was sacrificial, risky, and rooted in trust.This theme echoes throughout Scripture. In 1 Samuel 16:7, the Lord tells Samuel, “Man looks at the outward appearance, but the Lord looks at the heart.” Paul also affirms this in 2 Corinthians 8:12: “If the willingness is there, the gift is acceptable according to what one has, not according to what one does not have.”God doesn't call us to give what we don't have. He calls us to give cheerfully, faithfully, and with hearts surrendered to Him.God Wants Your HeartThe widow's gift also points us to the gospel itself. In 2 Corinthians 8:9 we read, “Though He was rich, yet for your sake He became poor, so that you through His poverty might become rich.” Jesus gave everything for us—holding nothing back. When we give sacrificially, we reflect His love and generosity.Maybe you've felt your giving is too small to matter. But Scripture shows otherwise. In John 6, a boy offered five loaves and two fish—and Jesus fed thousands. The issue isn't what you have, but what God can do with it.Generosity in God's Kingdom isn't about status or size. It's about surrender. A gift given in faith is never small. Whether two coins or two million dollars, the real question is: Am I giving out of abundance or out of trust?The story of the widow's mite isn't meant to pressure us into giving more. Instead, it frees us to see generosity the way God does—not as an economic equation but as an act of worship. He doesn't need your money; He wants your heart.On Today's Program, Rob Answers Listener Questions:I lost money in my 401(k) when I became disabled, and now it's sitting in an IRA that isn't earning anything. Should I transfer it to a savings account, and what taxes would I be liable for? Also, since my house is paid off, I'd like to understand how reverse mortgages work.I have just sold my house and would like to know the most prudent way to invest the proceeds. I'm trying to be a good steward, but I'm not sure if a savings account, an IUL, or something else would be best.I'm on permanent federal workers' comp and wondering if I'll still be eligible to draw Social Security when the time comes.My friend hasn't filed taxes for five years. How could that affect her children if she passes away, and what steps can she take to resolve it?I was told that if I move my mortgage into a home equity line of credit and deposit my paychecks there, I could pay it off in seven years. Is that really true?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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let everything that has best breath praise the Lord

In this episode of Wisdom's Table, I dive deep into a topic that many of us may shy away from discussing: debt. Often viewed as a dirty word, debt is something that can significantly impact not just our finances, but our freedom, peace, and ability to fulfill God's assignments in our lives. I aim to shed light on what the Bible truly says about debt, emphasizing that it is more than just a financial issue; it is a spiritual one as well. We start by acknowledging that not all debt is created equal, but all debt requires discernment. I explain how debt, in biblical terms, is essentially borrowing from tomorrow's resources to pay for yesterday's expenses, which can lead us out of alignment with God's provision. Drawing from scripture, I highlight the biblical perspective that encourages us to be lenders rather than borrowers, and I share insights from my Money Mandate e-course, where we explore the implications of debt in greater detail. Want to access the full Money Mandate e-course? It is available inside my KINGDOM LEADERS COMMUNITY. (click here)   00:00:00 - Welcome to Wisdom's Table Introduction to the podcast and its purpose. 00:00:25 - Podcast Refresh and Growth Discussion about new podcast art and the desire to grow the podcast's reach. 00:01:07 - The Dirty Word: Debt Introduction to the topic of debt and its implications in the Christian life. 00:01:38 - Understanding Debt in the Bible Exploration of what the Bible says about debt and its different forms. 00:02:52 - Comfort with Debt How family money stories influence our comfort level with debt. 00:04:27 - The Why Behind Borrowing Emphasis on understanding the reasons for borrowing rather than just the act itself. 00:05:48 - Good Debt vs. Bad Debt Explanation of the differences between beneficial and harmful types of debt. 00:07:57 - The Cost of Debt Importance of understanding what debt is costing you beyond monthly payments. 00:08:18 - Breaking the Cycle of Debt Discussion on the need for more than budgeting to get out of debt. 00:09:41 - The Burden of Student Debt A rant on the challenges posed by student loans in America. 00:10:52 - Codependency on Debt Exploration of how some individuals become reliant on debt. 00:12:10 - Partnering with God to Pay Off Debt Encouragement to seek God's guidance in managing and paying off debt. 00:13:45 - Steps to Pay Off Debt Introduction to practical steps for addressing debt. 00:14:06 - Step 1: Understand Your Debt Costs The first step in managing debt is to know its true cost. 00:14:59 - Step 2: Repent if Necessary The importance of repentance in the context of debt. 00:15:51 - Step 3: Align with God's System Deciding how to align your financial practices with God's principles. 00:16:32 - Step 4: Present Your Plan to the Lord Encouragement to bring your financial plans and debts to God. 00:18:06 - Step 5: Obey God's Guidance The necessity of following through on God's instructions regarding debt. 00:19:23 - Personal Story of Debt Rachel shares a personal experience related to credit card debt. 00:22:05 - Conclusion and Next Episode Preview Wrap-up of the episode and a teaser for the next topic on investing. 00:23:28 - Join the Kingdom Leaders Community Invitation to join the community for support in breaking free from debt.

For more of my latest content, subscribe to my YouTube channel, Dark Asia with Megan and join our awesome community. Your support means everything, and I can't wait to share more Asian cases with you! On Other Platforms: • TikTok: https://www.tiktok.com/@darkasiawithmegan • Instagram: https://www.instagram.com/darkasiawithmegan • Facebook: https://www.facebook.com/darkasiameganlee Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of What Are You Made Of? with Mike “C-Roc”, wealth strategist and iDateMoney® founder Lisa Drennon opens up about her powerful transformation—both personally and financially.Lisa shares how growing up as the only girl in a Catholic Italian household with three older brothers shaped her tough exterior and led to years of hiding her emotions behind anger. She talks candidly about hitting a breaking point in her 40s, walking away from her marriage, and the journey of self-discovery that allowed her to set boundaries, rebuild her relationship, and ultimately create a stronger partnership with her husband.On the financial side, Lisa reveals how her unconventional Money Multiplier System changed everything. After racking up $100,000 of debt, she paid it off in just six months, retired 2 ½ years early, and became a self-made millionaire—all while relocating to her dream home on the beach. She breaks down how she shifted from financial infidelity and overspending to creating a money system rooted in honesty, strategy, and freedom.From the importance of “dating your money” to understanding your money archetype, Lisa brings practical tools, fresh perspective, and hard-earned wisdom. This episode is a must-listen if you want to heal your relationship with money, strengthen your relationships, and build lasting wealth.Website: https://idatemoney.com/Social Media Links/Handles:https://www.instagram.com/idatemoneythepodcasthttps://www.linkedin.com/in/lisa-drennonidatemoney/https://www.facebook.com/lisa.sudoredrennon

962. Laura reviews strategies to reduce or avoid debt during the last quarter of the year and still have a bright holiday season.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The oldest members of Gen X are facing retirement, and many are feeling unprepared. Traditional pensions disappeared just as Gen X entered the workforce. 401(k)s weren't mainstream until much later. And along the way, they endured the tech bubble, the Great Recession, and a pandemic. No wonder headlines call Gen X “the forgotten generation” and warn of a retirement crisis. In this episode, Jean sits down with author and Yahoo Finance senior columnist Kerry Hannon to talk about her new book with co-author Janna Herron, Retirement Bites: A Gen X Guide to Securing Your Financial Future. Together, they dive into why retirement feels so daunting for Gen X, what makes this generation uniquely scrappy, and how to turn worry into optimism. You'll learn: Why Gen X was dealt such a tough financial hand, and what you can do about it now How debt, student loans, and “lifestyle creep” factor into retirement readiness The HOVER method (Hope, Optimism, Value, Enthusiasm, Resilience) for building a positive money mindset Why downsizing isn't the only answer — and how continuing to work, re-skill, and find purpose can make retirement stronger If more financial confidence sounds good to you, then you might want to try… ⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money. ⁠6-Week Pre-Retirement Program⁠: We'll help you prepare financially and emotionally for this exciting milestone.

In this episode of The Personal Finance Podcast, Andrew answers 15 listener questions ranging from Solo Roth 401k strategies and crushing $117,000 in student loans to whether a 19-year-old should build credit and how to pass brokerage accounts to your kids without tax headaches. He covers retirement account drawdowns, traditional versus Roth decisions based on tax brackets, why high-fee mutual funds usually lose to ETFs, and whether you should sell when investments jump 15%—delivering straight answers to the money questions keeping you up at night. Today we are going to answer these questions!  Solo ROTH 401K: should I max out ROTH employee side before employer pre-tax side? Or split? How long can I leave my 401k in Fidelity before needing to roll it over to a new employer's plan?If I haven't maxed out my Roth IRA, would it still make sense to open a brokerage account? I've maxed out my IRA for the past 3 years. Should I contribute more to my 457B? How can I pay off $117k of high interest student loan debt and stay motivated? Should I start a Roth IRA for my grandkids now or start them an index fund? They're 5. I'm 19 with $20k+ invested, should I start building credit? I have 2 investments — mutual fund (high fee), ETF (low fee). Both high return, should I stop the mutual? How should I go about drawing down accounts when I begin retirement? At age 30, approx what income does it make sense to invest in traditional vs Roth 401k? Should I “lock profit” every time my ROI hits >15%? Or should I leave it? (Reinvesting will 3% fee) How do you pass on a taxable brokerage account to your son? We're coast FI. Should I just do 401k until employer match and add to brokerage as a bridge?Why money market over HYSA for high yield earners? 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 DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.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 Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: 10 Ways to Prevent Identity Theft (and What to Do if it Happens to YOU!) How to Protect Your Finances Online (And Prevent Getting Scammed!) How to Protect Your Finances Online (Right Now!) 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

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? According to McKinsey & Company, by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.Key Practices Every Client Should Look ForWhen it comes to choosing a financial advisor, women don't need a different standard—they simply need the right standard done well. At Kingdom Advisors, we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care.If you're interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose.1. Clear TerminologyFinancial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward.2. A Warm and Welcoming EnvironmentWe often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable.3. Transparency in All ThingsAn advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don't hesitate to ask where you can see these details clearly documented.4. Interest in More Than MoneyWe teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God's calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That's why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions.5. Developing God's Heart for the Whole PersonThe most important practice is what we call whole-person care. Advisors aren't just money managers—they're disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women's voices should be heard and respected just as much as men's in every financial conversation.Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. If you'd like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com.On Today's Program, Rob Answers Listener Questions:Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also needed new decking, and an insurance employee told me they'd cover it once the work was finished. Now the company is threatening not to renew my policy unless I replace the roof at my own expense. How can I get them to honor their commitment?My dad passed away over a year ago, and my mom is trying to qualify for Social Security benefits. The issue is that my dad didn't have 40 credits, and neither does she. Is there any way their credits can be combined so she can meet the requirement?I heard about a provision in a new bill that allows accounts to be set up for children. Is it true that the government will put money into accounts for kids born in the next few years? If so, how would I participate?I'd like to encourage my two adult children to start investing in Roth IRAs. Where can they open accounts with low fees, especially since they'll only be making small contributions at first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Say YES! to France! It's not too late join Wendy in France in 2025. Get all the details and reserve your spot below:Paris Christmas Markets Dec. 4-9, 2025Welcome to the Say YES to Yourself! Podcast—the show for midlife women, empty nesters, and anyone navigating life after divorce, burnout, or big transitions. If you're ready to shed cultural expectations, reconnect with your true self, and put your joy first—you're in the right place.In this episode, Wendy welcomes Shellee Howard, a Certified Independent College Strategist and CEO and founder of College Ready, about supporting teens in choosing and affording the right college, without overwhelm, confusion, or regret.They explore:Why college planning often creates stress, fear, and disconnect in familiesWhat shifts when students take ownership and parents lead with values, not pressurePractical strategies for reducing college debt and helping your teen take ownership of their futureThis is a must-listen for any parent who wants to approach college planning with more confidence, clarity, and connection.Connect with Shellee:Get her books: How to Send Your Student to College Without Losing Your Mind or Money &  The College Admissions PLAN SimplifiedSchedule your FREE call: CollegeReadyPlan.infoCollegeReadyPlan.comEmpowerEducation.world________________________________________________________________________________________ Say YES to joining Wendy for her: Say YES Sisterhood PWH Farm StaysPWH Curated France TripsInstagram: @phineaswrighthouseFacebook: Phineas Wright House LinkedinWebsite: Phineas Wright HousePodcast Production By Shannon Warner of Resonant Collective Want to start your own podcast? Let's chat! If this episode resonated, follow Say YES to Yourself! and leave a 5-star review—it helps more women in midlife discover the tools, stories, and community that make saying YES not only possible, but powerful.

Follow us on Instagram:https://instagram.com/compas_unfiltered?igshid=1llpxlnpozrLa Jaivita:227 S Lincolnway St, North Aurora IL

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Jason Sharon from Home Loans Inc. about his journey in the mortgage industry, strategies for leveraging debt to build wealth, and the importance of authenticity in business relationships. Jason shares insights on helping first-time home buyers, navigating investor loans, and overcoming challenges in mortgage transactions. He emphasizes the significance of understanding clients' goals and maintaining a structured approach to business operations.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We're taking some time to highlight our best Gymsplain Episodes. In this episode Garrett and Gina are here to discuss how couples can approach money conversations, the benefits of combining finances, and practical strategies to create a financial plan that works for both partners. They talk about starting the conversation early, setting up money dates, and maintaining financial independence while working toward shared goals. Whether you're just beginning to merge finances or looking for ways to strengthen your financial partnership, this episode will make the process feel less intimidating and help you have open and honest conversations about money with your partner.     For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

In this interview, Cody Sperber real estate investing meets sales strategy, mentorship, and funnels for business scaling. Cody shares how he went from Navy service to ASU, to flipping his first wholesale deal, and eventually building and selling Clever Investor while co-founding new companies like Floor Daddy. You'll learn why mentorship beats hustle, how to build grit, and why most entrepreneurs fail by chasing too many things at once. We also break down Cody's funnel strategy that drove over $120M in online education sales, and how real estate investing mentorship and systems changed his life. Chapters (00:00) Cody Sperber's Start in Real Estate Investing (05:20) Struggles, Debt & the Mentor Who Flipped the Switch (10:22) First $40K Deal, Chip on the Shoulder & Momentum (15:42) Mentorship, Masterminds & Authentic Selling in Real Estate (20:38) Systems, SOPs & Scaling a Real Estate Education Business (25:37) Funnels, Hard Sales & $120M Online Education Model (30:24) Culture, Team Buy-In & Avoiding Entrepreneur Mistakes (36:42) Events, Masterminds & Cody's Next Chapter Originally recorded October 2024 but brought back from the vault because the insights are as relevant today as ever. Connect with Cody Sperber Instagram: https://instagram.com/officialcodysperber  YouTube: https://youtube.com/@cleverinvestor⁩   Floordaddy: https://floordaddy.com/ Got a question about sales, persuasion, or objection handling? Text me directly: +1-480-418-6755 The exact NEPQ script I used to earn $2.4M/year as a W-2 sales rep: https://nepqtraining.com/smv-yt-splt-opt-org Want the full NEPQ framework? This is what 350,000+ reps use to close more deals: https://go.nepqblackbook.com/learn-more Prefer to understand the psychology behind NEPQ first? Grab The New Model of Selling: Selling to an Unsellable Generation on Amazon: https://www.amazon.com/dp/1636980112 More Free Resources  Join the Sales Revolution Facebook Group: https://www.facebook.com/groups/salesrevolutiongroup Book a Clarity Call with my team: https://7thlevelhq.com/book-demo/ Connect with Jeremy Miner YouTube:  https://www.youtube.com/@JeremyMiner   Instagram: https://www.instagram.com/jeremyleeminer/ LinkedIn: https://www.linkedin.com/in/jeremyleeminer/ Facebook: https://www.facebook.com/jeremy.miner.52  

David and Karen Mains discuss the problem of debt and how Christians, especially the church, should deal with this problem that faces so many people, both inside and outside of the Body of Christ: “What should be done about the problem of debt is an issue with which the church should always be grappling.”

Alright, buckle up, note ninjas!

In this episode of the Print Hustlers Podcast, Stevenand Bruce sit down with Brett Bowden—founder of Printed Threads and programming lead for the 2025 Print Hustlers Conference—to talk shop.

The U.S. government just hit the shutdown switch. The debt spiral is accelerating. Gold is pumping. Bonds are dying. So… why is Bitcoin still lagging? And what does that mean heading into Q4? In today's episode, Jay sits down with macro expert and former Wall Street CFO Trajan King to unpack one of the most important setups in crypto right now.~~~~~

What's really going on today? Discover the trending stories you're not hearing anywhere else: https://rtd.newsGold Revaluation Imminent? The U.S. Treasury just crossed $1 trillion in stated gold value, but is it all smoke and mirrors? In today's Morning Check-In, we unpack the real reason gold is surging, why silver may become the true moment of truth, and how Bitcoin might be used to replace gold in a coming digital reset.Your cash is losing value. What if it could grow instead? Turn fading paper into spendable 24K GoldNotes: https://buygoldnotes.comEvery stacker needs the right tools. Don't be left without them.• Coin Storage Tube Holders: https://amzn.to/4mNtnUB• Mini Digital Scale: https://amzn.to/4m2EYh3• Magnet Tester: https://amzn.to/3V2GhBN• 30X Magnifier: https://amzn.to/463tYu9

Aubrey Masango speaks to Dr Frank Magwegwe, Head of Financial Wellness at Nedbank and GIBS faculty member on the link between one's mental wellness and their finances. They also reflect on ways to go about keeping optimal mental health in the middle of financial crisis. Tags: 702, The Aubrey Masango Show, Aubrey Masango, Financial Matters, Mental Wellness, Finances, Debt, Stress, Depression, Connection, Crisis, Repossession, Community The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Megyn Kelly is joined by Stu Burguiere, host of Stu Does America, to talk about Sec. Pete Hegseth calling out "fat" generals and troops in major address, promising to end DEI and radical progressive ideology in the military, Trump's hilarious AI video of Schumer and Jeffries, the meltdown about it being "racist," Kamala Harris rambling incoherently about her "light" with Joy Reid, reports she wants to run for president in 2028, J.K. Rowling's remarks directed at Emma Watson on the trans issue after years of silence, her powerful letter addressing the hate that has been directed her way, Ta-Nehisi Coates' hateful lies about Charlie Kirk, Coates calling out Ezra Klein for trying to lower the temperature, the left's inability to be honest about Kirk's legacy, and more. Then Britt Mayer, host of "The Britt Mayer Show," and Will Witt, author of "Do Not Comply," join to discuss the announcement of Bad Bunny as the Super Bowl halftime performer, his negative remarks about America and refusal to perform here, his history of cross-dressing and "fluid" sexuality, Rosie O'Donnell's embarrassing therapy admission about Trump, and more. Burguiere- https://www.youtube.com/StuDoesAmericaMayer- https://open.spotify.com/show/6ej8rWH1AxG6q8i00Q9Izk?si=Witt- https://purebasicscollective.com/us Birch Gold: Text MK to 989898 and get your free info kit on goldPique: Get 20% off your order plus a FREE frother & glass beaker with this exclusive link: https://piquelife.com/MEGYNDone with Debt: https://www.DoneWithDebt.com & tell them Megyn Kelly sent you!Chapter: For Free and unbiased Medicare help dial 27-MEDICARE (276-334-2273) or go to https://askchapter.org/kellyDisclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and standalone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all your options.  Follow The Megyn Kelly Show on all social platforms:YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at:https://www.devilmaycaremedia.com/megynkellyshow Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Loral Langemeier is a six-time New York Times bestselling author, world-renowned financial expert, and founder of Integrated Wealth Systems. With over 20 years of experience, she has mentored thousands of entrepreneurs and investors, built multimillion-dollar companies, and partnered with legends like Bob Proctor and Robert Kiyosaki. Known as “The Millionaire Maker,” Loral specializes in teaching people how to sequence their wealth and create financial independence through real estate, business, and smart investing strategies.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Sequencing your wealth: doing the right thing at the right time. The importance of mentors and surrounding yourself with the right team. Why databases and consistent communication are critical assets for raising capital. Real estate investors often make mistakes by chasing deals without having capital and credit lined up. Debt can be a powerful tool—being in “good debt” is essential to scale quickly.     Topics From Farm Life to Financial Expert Grew up in Nebraska, discovered Think and Grow Rich early, and hired Bob Proctor at 21. Transitioned from exercise physiologist at Chevron to working with the Rich Dad team as master distributor of the Cashflow game. Building Wealth Through Sequencing Success comes from taking the right steps in the right order—structure before deals. Real estate investors fail when they do the right things at the wrong time. The Power of Mentorship and Team Mentors open doors, but you must provide value and take action. Success is built with a strong, trusted team—not by going solo. Raising Millions Through Databases Used her database of 18,000 people to raise $16M for projects in Oklahoma. Consistent communication and investor education are essential for long-term success. Debt as a Wealth Tool Don't fear debt—leverage it wisely for higher returns. Millionaires use “good debt” to accelerate wealth, not avoid it.    

Turning Your Debt Into Equity - Queens Event

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If you have a 401(k) or an IRA, you may not realize that proxy voting gives you a voice in the companies you own—and it can be a way to live out your faith.As stewards, we're called to reflect our Christian values, even in how our investments influence the marketplace. But what does that look like in practice? Will Lofland joins us today to explain.Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone's shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.What Is Proxy Voting?Proxy voting is the right shareholders have to vote on important issues within the companies they partially own. This could include leadership changes, corporate policies, or shareholder proposals. While many individual investors never think about it, proxy voting represents a significant opportunity to shape corporate behavior.However, if your money is invested in mutual funds or retirement accounts—as is the case for most Americans—you don't vote directly. Instead, the fund company you invest with casts those votes on your behalf. That makes it critical to understand how your fund manager approaches these issues.GuideStone's Approach: A Biblical WorldviewIn 2023, GuideStone made the decision to bring proxy voting in-house. By managing votes internally, GuideStone applies a biblical worldview when exercising shareholder influence. This means promoting policies that align with Scripture while resisting agendas that undermine a Christian ethic.As a shareholder, GuideStone joined a coalition of investors to pressure these banks to change their policies. The result? Both institutions strengthened protections, ensuring that Christian organizations would not be denied access to essential financial services because of their convictions.Why Your Vote MattersDoes proxy voting really make a difference? Absolutely. The world can be transformed through Christian investing, and one way to achieve this is by utilizing all available tools as an investor to promote your Christian worldview.By engaging with faith-based investment firms like GuideStone, believers can ensure their investments not only grow financially but also advance Kingdom values in the marketplace.As Christians, we're called to shine God's light in every area of life—including the boardroom. Proxy voting is one of the practical ways we can do that.To learn more about how GuideStone integrates faith into investment practices, visit GuideStoneFunds.com/Faith.On Today's Program, Rob Answers Listener Questions:Could you explain what an irrevocable trust is and how it works?I'm 64, still working full-time, and I'm wondering: Do my HSA contributions affect my future Social Security benefits? I'm also concerned about how my earnings are being reported.I'd like to know if a Roth IRA is the best investment tool to set my children up for the future.After my mom passed away, my sister and I inherited her house. I'm living in it now, but recently lost my job, and I'm trying to decide if I should buy out my sister's share or sell the property altogether.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)GuideStone FundsBuckner Shoes for Orphan SoulsWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI is here- and it's evolving faster than most people realize.In this episode, I dive into how to use ChatGPT as a powerful wealth-building co-pilot, not a decision-maker.I share how I personally use it to accelerate strategy, generate game-changing insights, and sharpen investment thinking, plus the critical mistakes to avoid so you don't get misled by confident but wrong answers.Tune in to learn:3 powerful AI prompts you can use to uplevel your investing strategyHow to think about integrating ChatGPT into your investing processWords of caution so you don't get burned by AI “hallucinations”Some very unusual and surprising ways I use ChatGPT in my own life

Debt isn't always bad. With the latest Fed cut, it's tempting to refinance your loans, but is now the right time? The guys are going back to the basics on debt, diving into different loan types, from consolidation to building to home loans and how these different loans should be uniquely refinanced. Plus, they are ranking their favorite ice creams to determine which one reigns supreme.   LINKS cainwatters.com Submit a Question Facebook | YouTube | Instagram

From AssetBuilder's Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America's debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing. You'll learn: How much U.S. households owe (and where it sits by generation) Why mortgages can be “productive” debt—and why long car loans aren't Current rate realities (mortgage, auto, student loans, credit cards) Exactly how to calculate your DTI (with target ranges) Behavior traps: BNPL, long auto terms, monthly-payment thinking What “deficits” mean at home and at the national level—and why they compound Hosts & Credentials: Joey Badinger (Lead Advisor), Adam Morse (Director of Advising), Janet Griffith (Senior Advisor), Tommy Williams (Associate Advisor), AssetBuilder, Plano, TX. Contact the show: https://www.assetbuilder.com Chapters 00:00 Intro & Disclaimer 00:32 Welcome, Hosts & Setup (Plano HQ) 01:00 What We're Covering: Consumer vs. National Debt 02:00 U.S. Household Debt Snapshot (Totals & Averages) 03:15 Debt by Age Cohort (30–39, 40–49 peak, etc.) 05:10 Gen Z, Mortgages & Down Payments 06:00 Is Debt “Bad”? Productive vs. Dangerous Debt 07:20 National Debt vs. GDP (Post-WWII to Today) 09:40 Auto Loans Deep Dive (Long Terms, Delinquencies) 12:10 Average Loan Sizes (New vs. Used) 13:00 Deficits at Home & Nationally—What It Means 14:20 Growth Limits, Demographics & Reality Check 16:00 Rate Check: Mortgage, Auto, Credit Cards, Student Loans 18:30 Emergency Funds > High-APR Credit Cards 20:10 BNPL & Instant-Gratification Traps 21:10 Know Your Biases (Impulse, Overconfidence) 22:40 Budgeting Habits That Actually Stick 26:10 How to Calculate DTI (28/36 Rule) 28:30 Lender Approval vs. Healthy DTI 31:00 Why 70+ Debt Can Be Risky (Context Matters) 33:00 Depreciating vs. Appreciating Assets (Cars vs. Homes) 34:20 Action Steps: Start Small, Delay Gratification 36:00 How to Contact & Subscribe 36:30 Sign-Off & Disclosure Key Takeaways Debt is a tool, not a villain. Mortgages can raise quality of life; revolving/consumer debt at high APRs can snowball. Auto loans are 2nd-largest consumer debt and loan terms are stretching—be wary of “just the monthly.” Credit-card APRs >20% make balances dangerous; build emergency savings to avoid swipes under stress. DTI targets: ≤28% housing (PITI+HOA), ≤36% total debts is healthy; 50%+ is a red flag. Behavior beats hacks: budget regularly, delay gratification, prefer used cars/shorter terms, question “need vs. want.” Hashtags & Keywords Keywords: consumer debt 2025, debt to income ratio, 28/36 rule, mortgage vs rent, auto loan terms, credit card APR, student loans, national debt vs GDP, budgeting tips, AssetBuilder advisors Hashtags: #PersonalFinance #DebtFreeJourney #DTI #Mortgage #AutoLoans #CreditCards #Investing #Budgeting #KeepItSimplePodcast #AssetBuilder

Nothing Is Certain Except Debt and TaxesSee omnystudio.com/listener for privacy information.

In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A  about should you pay off debt or invest first. Today we are going to answer these questions: Question 1: Should I build my emergency fund to $20,000 first, or start paying down my mortgage and investing at the same time? Question 2: Is my bonus payoff plan the best option, or should I prioritize my 12% personal loan or Roth IRA contributions instead? Question 3: Should I use my $8,000 tax refund to max out my Roth IRA this year, or finish building my 3-month emergency fund first? Question 4: What are the best books and resources for someone getting started with real estate investing, especially in rental properties? Question 5: Should I sell my current home and use the equity for a down payment and student loans, or keep it as a rental — and how does the FHA assumable loan factor in? Question 6: [Placeholder for your next listener question] 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 DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.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 Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: The 1-3-6 Method For Building & Managing Your Emergency Fund 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

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Laura Finney. A seasoned financial literacy educator and coach. Laura shares her deeply personal journey into financial education, sparked by a lack of preparedness in her own life and a family experience that resulted in the loss of generational wealth. Through candid storytelling and practical advice, she empowers listeners to take control of their financial futures with strategic planning, budgeting, and mindset shifts.

Go to www.LearningLeader.com for full show notes The Learning Leader Show with Ryan Hawk Morgan Housel is the New York Times Bestselling author of The Psychology of Money, Same As Ever, and The Art of Spending Money. His books have sold over 10million copies and have been translated into more than 60 languages. This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. Notes: Morgan dedicated The Art of Spending Money to "Kellie the Unicorn" (his sister Kellie) after she was diagnosed with colon cancer and asked him to fulfill her long-running joke request. Sometimes book dedications "mean nothing to the reader, but they can mean everything to the author." People Who Bet on You - Brian Richards (Motley Fool boss) bet on Morgan when he didn't have to, providing unconditional support for a mediocre college writer. Craig Shapiro (Collaborative Fund) pursued Morgan for months to join his tiny VC firm as a full-time blogger when it wasn't a business necessity. What money can't buy - Morgan once heard a story from a priest that he'll never forget… It's from a priest who delivers the last rites in hospitals. He described the difference between what kids say to their parents when they're about to die. The priest tells them to tell their parents what they're most grateful for… In families with lots of problems, the kids usually talk about something that costs money. In the best families, the ones with solid relationships, the kids say the same thing every time. “Thank you for believing in me.” Making vs. Spending Money - "There are literally tens of thousands of books written on how to make money... There are virtually no books written about how to spend money." Most people assume spending needs no guidance, but wealthy people often demonstrate this isn't true. The Internal vs. External Scoreboard - Donald Crowhurst (fake sailor who killed himself seeking external validation) vs. Bernard Moitessier (expert sailor who quit before winning to avoid attention and live authentically). Modern society pushes us toward Crowhurst's external validation while we actually want Moitessier's internal satisfaction. The simplest formula for a pretty nice life: independence plus purpose. The independence to do what you want, and the wisdom to want to do meaningful things. Chuck Feeney's Wealth Example - The duty-free store billionaire first lived the stereotypical rich lifestyle, realized he didn't like it, then chose to live modestly and give away $10 billion. "I was happy when I was giving money away, and I was not happy when I wasn't giving money away." Every Dollar of Debt - "Every dollar of debt that you have is a piece of your future that someone else owns." Debt narrows the range of outcomes you can endure in an unknowable future. Money and Happiness Research - Recent studies show that earning more money only helps if you're already happy, joyful, and content. For depressed, anxious people, more money doesn't improve well-being. "It leverages whoever you are in either direction." What Money Can't Buy - The book is "40% about how to spend money to make yourself happier and 60% about realizing what money cannot do for you." Relationships, health, and personal fulfillment must come first. “Comedians are the best thought leaders because they understand how the world works, but they want to make you laugh rather than making themselves feel smart.” "Nobody gives a shit about anything other than how you make them feel." Vacation - Morgan realized while building sandcastles with his kids on the beach in Maui (10/10 experience) that building Legos at home with them was almost as good (9/10). The real value was "uninterrupted time with my family," which required travel to avoid daily distractions but pointed to what actually mattered. Ambition - Morgan's career drive crystallized while kayaking past $25 million mansions on Lake Washington in 2010: "I need to work harder. I want one of those one day." This wasn't envy but ambition - though he notes the line between inspiration and envy is thin, especially once you know the person. A high savings rate is not "saving" but is "purchasing independence." Each saved dollar buys freedom to handle life's unknowable future without someone else's schedule dictating his choices. Why Spending Is Complicated People try to fill emotional holes with material purchases Society tells us what we should like, which may not align with our actual preferences We chase peer comparison rather than personal satisfaction We overestimate the social rewards of nice possessions The Independence Framework Save money not for retirement but for freedom to handle uncertainty Debt narrows your options when life throws curveballs Independence means being able to do what you want, with whom you want, for as long as you want The Internal Scorecard "No one's watching. No one's thinking about you." When people notice your possessions, they're either imagining themselves having them or envying you for them Neither response gives you the social validation you're seeking Use money to buy independence rather than others' admiration Relationship Investments Focus on what creates "uninterrupted time with people you love" Consider how purchases enable deeper connections (bigger kitchen for family dinners) vs. impressing others Remember that belief and support matter more than material provision Purpose Morgan's purpose became clear the moment he became a father: "There. That's it... I don't matter anymore. That's the only thing that matters right there." Purpose can be parenthood, work, religion, or community, but it needs to be bigger than yourself. "Comedians are the best thought leaders because they understand how the world works, but they want to make you laugh rather than making themselves feel smart." They deliver profound psychological and social insights while focusing on how they make you feel, not their own status. Regret -- Gerontologist Carl Pillemer interviewed 1,000 Americans aged 90-100. Not a single one said, "I wish I earned more money" or "I wish I worked harder." Nearly all said "I wish I spent more time with my kids" and "I wish I were nicer to my spouse." Inspiration vs. Envy -- Morgan credits James Clear as inspiration for "The Psychology of Money" and describes him as incredibly successful yet humble and kind. This creates pure inspiration without envy, unlike other successful writers whose personalities trigger competitive feelings.