Podcasts about debtthe

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!Nii sits down with Trevor Cabrera, who completed his residency training in General Pediatrics at the University of Texas Health Science Center in Houston and then transitioned to working as an exclusive Locum Tenens provider. Listen in as Dr. Cabrera, also known as The Nomadic Pediatrician, talks about his first locum job, paying off student loans, the lifestyle locum work affords him, and his blog that documents his travels and experiences.Things to expect in this episode:Trevor discusses why he pivoted to locum workThe early, lean locum daysConsistent locum work and paying off student loansThe lifestyle of a locum, especially the benefitsGrowing through locum workCheck out The Nomadic Pediatrician Blog: www.thenomadicpediatrician.comAdditional Dr. Cabrera writings:5 ways to make locums housing feel like homeFrom medical school to residency to…locums?Paying off medical school debtThe social life of a locum physicianWE WANT TO HEAR FROM YOU!!!!TELL US WHAT YOU WANT TO HEAR ON FUTURE EPISODES!!!!FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)WATCH THIS EPISODE ON YOUTUBE!Join our communityText word PODCAST to 833-230-2860Twitter: @drniidarkoInstagram: @drniidarkoEmail: team@drniidarko.comPodcasting Course: www.docswhopodcast.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is edited by: Your Podcast PalThis episode is sponsored by:Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them outHERE!

Every Soul Knows is a ground-breaking documentary that explores the idea that who we really are is much more than our physical bodies and human personality. Featuring interviews with more than 60 experts in the fields of near-death and other spiritually transformative experiences, the film focuses on remembering our true nature as eternal spiritual beings and how we can use that knowledge to improve our lives while we're still in the physical.IN THIS EPISODE, YOU'LL HEAR ABOUT THINGS LIKE: Near-death experiencesThe concept of the SoulThe purpose of life on the physical planeThe life review process after transitioningKarma and karmic debtThe role of guides, angels, and spiritual supportSOME QUESTIONS IRENE ASKS PETER, KAREN, SILVIA, AND SETA: What is the Soul?What is the purpose of life on the physical plane? Are there contracts for agreements between souls?What is death?What's the life review like after we transition and what is its purpose?How will the documentary help raise consciousness on our planet? WATCH ON YOUTUBE: https://www.youtube.com/watch?v=eblo2Ro4pJw&list=PL7judgDzhkAWmfyB5r5WgFD6ahombBvoh&index=1&t=2864s✨ Irene's new anthology book, Good to the Last Drop! Embracing Your Life's Third Chapter, is now available on Amazon.✨ Get the audiobook version of Irene's book, They Serve Bagels in Heaven for FREE when you sign up for Audible's FREE 30-day trial using her link: https://amzn.to/4dG4l4w✨ For a curated collection of Irene's favorite books, music, healing events, and self-care essentials, head over to kit.co/GriefandRebirth.✨ Find your next source of healing and inspiration at the Grief and Rebirth Bookshop.Listen to all episodes of the Grief and Rebirth Podcast HERE:● Apple Podcast● Spotify● Grief and Rebirth Podcast PageFind Irene on social media:● Instagram● Facebook● X● TikTok✨ Get your copy of Irene's book: They Serve Bagels in Heaven: One Couple's Story of Love, Eternity, and the Cosmic Importance of Everyday LifeGet access to The Live Your Most Evolved Life Summit Replay, where we showcase a synergy of talent that will heighten your intuition and will undoubtedly illuminate, enlighten, and spark your soul on your evolutionary journey towards ascension.✨ Sign up for the Grief and Rebirth newsletter to stay up-to-date on forthcoming episodes, events, healing tools, and announcements.Grief and Rebirth LLC is an affiliate, and we may earn a commission from purchases made through recommendations of products and services mentioned on the website, email, and social media channels including Facebook, Instagram, TikTok, and YouTube. This commission helps to support the podcast and allows us to continue providing valuable information and resources to our audience. We only recommend products and services that we have personally used or thoroughly researched and believe will be helpful to our community. It will never cost you more to use our affiliate links and sometimes it will even save you money. Thank you for your ongoing support.

In today's episode of Mad About Money, ADHD coach and comedian Suzi Payton shares her journey from being £20,000 in debt to becoming debt-free. Suzi opens up about the financial chaos she faced, including avoiding bills, ignoring letters, and living in denial - until the wake-up call that changed everything.Suzi dives deep into her experience of spiraling debt and how a budgeting exercise with StepChange helped her take control of her finances. She reveals how the journey out of debt wasn't just about the money - it was about overcoming shame, shifting her mindset, and learning valuable financial lessons that she wishes she'd been taught in school.Through it all, Suzi's ADHD and autism were an underlying factor that she didn't fully understand at the time. Now, she's using her journey of self-discovery and personal development to help others navigate similar challenges.Listen to the full episode to hear how Suzi turned her financial life around, and how she's stayed debt-free by tackling her money mindset head-on.What's coming up:Suzi's story of living in denial about her debt and the moment she had to face the reality of her financesHow a budgeting exercise revealed the small expenses adding up to big debtThe importance of self-awareness, especially in understanding ADHD and autism in relation to financial habitsHow overcoming shame around money and debt was key to Suzi's journeyWhy traditional education skipped financial literacy, and what we should have been taught insteadPractical tips for getting out of debt and staying debt-freeResources Mentioned:StepChange (budgeting tool and support)Visit Suzi's websiteFollow Suzi on Instagram---------------------- Visit Maddy's ⁠⁠⁠Stan Store⁠⁠⁠ Follow Maddy on ⁠⁠⁠Instagram⁠⁠⁠ and ⁠⁠⁠TikTok⁠

In this powerful episode of the Confident Sober Women podcast, host Shelby John sits down with Linda Parmar, a financial coach specializing in helping women in recovery achieve financial sobriety. With raw honesty, Linda shares her journey from being a financial advisor managing millions while secretly drowning in credit card debt and engaging in "blackout shopping."Key Topics Covered:Understanding financial sobriety and breaking free from spending addictionThe emotional connection between money behaviors and recoveryHow childhood money stories impact our current relationship with financesPractical strategies for creating a sustainable spending plan without restrictionBreaking the shame cycle around financial literacy and money managementTips for avoiding spending triggers and establishing healthy money boundariesNotable Insights:Linda's personal journey of paying off $130,000 in credit card debtThe concept of "financial infidelity" and its impact on relationshipsWhy traditional budgets often fail and how spending plans offer a better alternativeThe importance of addressing emotional triggers and money mindsetPractical solutions like grocery pickup and removing shopping apps to avoid triggersResources Mentioned:Rocket Money app for spending tracking (US)Strategies for building a personalized spending planTips for maintaining financial sobriety while in recoveryConnect with Linda Parmar:Website: lindaparmar.comInstagram: @lyndaparmarmoneycoachPodcast: Financial Sobriety SchoolWhether you're in recovery or simply looking to develop a healthier relationship with money, this episode offers valuable insights into breaking free from financial shame and creating lasting change. Linda's story proves that no matter how deep in debt you may be, recovery is possible with the right support and tools.Share this episode with someone who might be struggling with their relationship with money or anyone interested in learning more about financial sobriety.Support the showSupport the showOh, and by the way, if you didn't know, my remote Neurofeedback Therapy program is up and running. Learn more here! If you aren't part of the Confident Sober Women Facebook group, it's a great place to be. There are over a thousand other sober women there building lives they don't want to escape from. Come on over and join us.And if you haven't read my memoir, grab a copy today and maybe a second one for a friend. There is so much hope in recovery, and I shared my story so raw and vulnerable so that others would know they aren't alone and that there is a way to live well, manage relationships, parent your kids, and have a healthy body, all while staying sober. Grab a copy of Recovering in Recovery: The Life-Changing Joy of Sobriety wherever books are sold.

It's December, and you know what that means! It's holiday time, and between moving into my new house (yes, again!) and celebrating, I'm one busy gal, so I'm taking a much-needed break from writing and recording the podcast. This year, we are celebrating our FIFTH year of the Wealth Woman Lawyer podcast by sharing with you the most popular episodes in 2024, starting with number four on our list of the top episodes. We hope you enjoy it as much as we have and that you are ending your year on a happy note.*****In today's episode of the Wealthy Woman Lawyer® podcast, I'm bringing back my friend, Darren Wurz, creator of The Lawyer Millionaire. We had so much to discuss in our first interview last year that I knew I needed to bring him back for more.Darren Wurz is a fee-only financial advisor and co-owner of Wurz Financial Services, a family business he runs with his dad and younger brother. He is a CERTIFIED FINANCIAL PLANNER™ and earned his master's degree in financial planning from Golden Gate University.Darren has developed expertise in the unique financial planning needs of those in the legal profession, and he now specializes in serving attorneys and law firm owners. His mission is to help his clients achieve financial independence as they define it. As a small business owner himself, he particularly understands the challenges of solo practitioners and small firm owners.He hosts The Lawyer Millionaire Podcast, which is available wherever you get your podcasts. He is also the author of The Lawyer Millionaire: The Complete Guide for Attorneys on Maximizing Wealth, Minimizing Taxes, and Retiring with Confidence, published by the American Bar Association. Darren is a member of the American Bar Association and the Financial Planning Association.In today's episode, Darren and I discuss…How decision fatigue may be holding you back from building wealth (and how to alleviate it)Need-to-know basics for wealth-building, plus Darren's favorite wealth-building “trick”How to build wealth even when you are in debtThe number one mistake people make with paying off debtWhat it means to buy or create assets (and why it is critical to build wealth)The big lie we tell ourselves about building wealthThe first thing you should include when creating your business planTax leverage strategiesAnd much more! Links to Love:  ***Check out The Lawyer Millionaire podcast on Apple Podcasts and connect with Darren and his team at The Lawyer Millionaire, or grab your copy of Darren's book, The Lawyer Millionaire on the ABA website.***Book a Practice Growth Assessment call with me.***Head over to our website and add yourself to our email list by grabbing a copy of our popular guide: What Wealthy Woman Law Firm Owners Know That You Don't. www.wealthywomanlawyer.com***Please Leave a Review and Share. If you love the Wealthy Woman Lawyer® Podcast we'd be ever so grateful if you'd: 1) Leave us a review on Apple Podcasts, and 2) Share your favorite episode with another woman law firm owner you know will benefit from it!*** Is 2025 the year you want to make more money in your law firm business without being overloaded with “hard work”? Register for my *new* free training and watch it now. It's called: How to Build a Wealth-Generating Law Firm: 3 Strategies for Women Law Firm Owners That Double Your Revenue Without Doubling Your Workload. 

When is the best time to sell your dental practice? What factors should you consider to get the best price for your practice and have the best quality of life in retirement?On this episode of the Dental Board Room Podcast, recurring guest Matt Odgers joins host Wes Read to explain why you want to start the process of selling your practice when collections are on the upswing.Matt and Wes discuss the challenges of planning for a practice sale before there's a crisis, challenging you to consider the financial and psychological aspects of retiring from dentistry.Listen in for insight around selling your practice for reasons other than retirement and learn how to time the sale of your dental practice to get the best deal and ensure a smooth transition to the next phase of your life!Topics CoveredWhy you want to start the process of selling your practice when it's on the upThe psychological challenge of planning for a practice sale before there's a crisisWhy you should know what your practice is worth (even if you have no intention of selling)Crises that require an immediate sale vs. crises that expedite the timeline for a saleWhy financial independence is a primary factor in timing the sale of a practiceHow to know if you're psychologically ready to stop working as a dentistWhy Matt & Wes suggest planning what to do with your time once you retireHow rising collections impact the price of a practice and speed of its saleWhy it's easier to sell a million-dollar practice as opposed to a $500,000 oneWes' advice on paying off a 10-year practice loanWhat differentiates buying a dental practice from buying real estateSelling your practice to retire vs. selling your practice to pay off debtThe benefits of selling your dental practice when interest rates are lowWhy Matt recommends timing the sale of your practice with your leaseConnect with Matt OdgersOdgers Law GroupOdgers Law on LinkedInConnect with Wes Read & Drew PhillipsPractice OrbitEmail wes@practiceorbit.com or drew@practiceorbit.com Practice CFOPractice CFO on InstagramPractice CFO on FacebookPractice CFO on YouTube

Can the government really affect prices on everyday products we buy?In this episode of Queer Money, we talk with Heather Boushey, one of three members of President Biden's Council of Economic Advisors and Chief Economist for the Investing in America Cabinet. This episode focused on the state of the economy and how the Biden administration plans to tackle rising costs across the board for all Americans.Boushey offers her perspective on the state of the economy during the pandemic and the recovery that followed. She emphasizes the administration's focus on creating good jobs and ensuring that markets are fair and competitive, highlighting the importance of growing the economy from the middle out.She addresses concerns about the cost of housing, especially for millennials and Gen Z, outlining the administration's plan to create more affordable housing options. Boushey also discusses the Biden administration's efforts to lower healthcare costs, especially for older Americans, by capping insulin costs and negotiating drug prices.The episode also explores the rising costs of education and the administration's commitment to tackling student loan debt. Boushey shares her own experiences of receiving gratitude from people who have benefited from student loan forgiveness programs.Throughout the conversation, Boushey emphasizes the importance of democracy and the challenges of implementing economic policy. She concludes by sharing her optimism about the potential for positive change and the importance of working together to create a more equitable and prosperous future. Topics CoveredState of the economy during and after the pandemicThe Biden administration's economic agendaThe importance of creating good jobs and fair marketsAffordable housing initiatives for millennials and Gen ZEfforts to lower healthcare costs, especially for older AmericansAddressing the rising costs of education and student loan debtThe challenges of implementing economic policy in a democracyThe importance of working together for a more equitable futureFor the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us:Queer Money InstagramQueer Money YouTubeQueer Money on TiktokDownload your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial IndependenceMentioned in this episode:Join us in Detroit for Queer Money Bingo!Queer Money Bingo is coming to downtown Detroit, August 15th at 5:30 pm. There will be free coffee drinks, swag and prizes! Click the link below to RSVP and make sure you bring a friend. Queer Money Bingo - Detroit - August 15th

This episode of the Professional Services Pursuit is a recording from a recent TSIA webinar hosted by John Ragsdale, Distinguished Researcher, Vice President, Technology Ecosystems at TSIA. In it we discuss the hidden costs associated with technical debt—the cumulative consequences of using outdated or overly customized technology— and how it blocks predictable value delivery across the professional services lifecycle. Other topics discussed include:Understanding technical debtThe cost of outdated technology and the impact it has on employee and customer experienceHow to identify technical debt within your organizationStrategies for prioritizing and addressing these challengesHow to leverage AI and other emerging technologies to enhance forecasting, resource management, and decision-making processes Hosted on Acast. See acast.com/privacy for more information.

Bottom Barrel Scraping - Marketing Bad PublicityWebsite: http://www.battle4freedom.comNetwork: https://www.mojo50.comStreaming: https://www.rumble.com/Battle4Freedomhttps://www.facebook.com/share/v/tnm2ouEsWTtoVrnx/?mibextid=ox5AEWRep. Thomas Massie - TikTok Ban is a worse cure than the diseasehttps://www.dailymail.co.uk/news/article-13189443/Candace-Owens-french-lady-brigitte-macron-born-man.htmlCandace Owens says she'll stake her 'entire reputation' on debunked theory that French First Lady Brigitte Macron is a manThe conservative commentator took to Twitter to tout the controversial theory, hours after outlining it on an episode of her Candace Owens Podcast on MondayThe false theory goes that French First Lady Brigette Macron, 70, was actually born Jean-Michel Trogneux, before eventually transitioning at the age of 30It further states that she did not give birth to any of her three children, and that her first husband, a 69-year-old banker said to have died a recluse in 2020https://www.dailymail.co.uk/sport/nfl/article-13194339/Aaron-Rodgers-conspiracy-theories-Sandy-Hook-school-shooting.htmlAaron Rodgers 'shared deranged conspiracy theories about the 2012 Sandy Hook school shooting not being real in private conversations with journalists'... claiming the children 'never existed' and were 'all actors'Kennedy confirmed he spoke with Rodgers about possibly being his VP pickRodgers has a long history of flirting with debunked conspiracy theories https://www.dailymail.co.uk/news/article-13190363/Las-Vegas-teens-brawl-outside-casino-Santa-Fe-Station-Shutdown.htmlShocking moment dozens of Las Vegas teens brawl outside casino during 'Santa Fe Station Shutdown' eventhttps://www.dailymail.co.uk/news/article-13192277/new-jersey-father-arrested-teen-photo-paulsboro-school.htmlNew Jersey father is arrested for storming into a classroom and confronting a teenager he accused of harassing his daughter by sharing photosAaron Thomas, 38, charged with assault and making terroristic threats He stormed class at Paulsboro High School, New Jersey, to confront teen studentVideo showed Thomas exchanging words and scuffling with the studenthttps://www.dailymail.co.uk/news/article-13193851/Parents-Michigan-girl-hits-boy-school-bus-video.htmlParents' horror as sickening footage shows fifth-grade girl beating six-year-old boy on Michigan school bus as kids cackle and record on their phoneshttps://www.dailymail.co.uk/news/article-13193839/parents-california-school-board-secret-lgbtq-club.htmlFurious parents rip California school board after elementary teacher set up 'secret' LGBTQ club for children without informing themThe unidentified teacher teaches third-grade at Pleasant Grove Elementary UBU - stands for 'you be you' was club's named open to grade third through sixth On March 5, parents voiced their concerns for the school's lack of transparencyhttps://www.dailymail.co.uk/news/article-13194009/Nex-Benedict-cause-death-suicide-trans-Oklahoma-overdose-medical-examiner.htmlNex Benedict cause of death revealed by medical examiner as SUICIDE: Trans teen took fatal cocktail of antihistamine and anti-depressants, medical examiner rulesThe medical examiner said Nex Benedict died by suicide from a drug overdoseTheir death was cause by a combination of of Diphenhydramine and Fluoxetinehttps://www.dailymail.co.uk/news/article-13189159/New-wife-debt-married-pay-not.htmlMy new wife never told me she is $160K in debt - now we are married she wants me to clear it for herA bride, 29, revealed to her new husband, 24, on their wedding day that she is in serious debtThe groom revealed in a March 11 Reddit post that he didn't know what to do He currently has $120,000 in investments and $30,000 in his savingshttps://www.dailymail.co.uk/news/article-13192041/deep-sea-explorer-amelia-earhart-plane-donate-smithsonian.htmlDeep sea explorers didn't realize they'd 'found' Amelia Earhart's missing plane for 68 DAYS due to corrupted computer file...and now hope to RAISE iconic aircraft and donate it to SmithsonianDeep Sea Vision CEO Tony Romeo and his brother Lloyd claimed to have found Amelia Earhart's plane in JanuaryBut the image of their discovery was very nearly deleted when they thought the file was corrupted

In today's episode of the Wealthy Woman Lawyer® podcast, I'm bringing back my friend, Darren Wurz, creator of The Lawyer Millionaire. We had so much to discuss in our first interview last year that I knew I needed to bring him back for more.Darren Wurz is a fee-only financial advisor and co-owner of Wurz Financial Services, a family business he runs with his dad and younger brother. He is a CERTIFIED FINANCIAL PLANNER™ and earned his master's degree in financial planning from Golden Gate University.Darren has developed expertise in the unique financial planning needs of those in the legal profession, and he now specializes in serving attorneys and law firm owners. His mission is to help his clients achieve financial independence as they define it. As a small business owner himself, he particularly understands the challenges of solo practitioners and small firm owners.He hosts The Lawyer Millionaire Podcast, which is available wherever you get your podcasts. He is also the author of The Lawyer Millionaire: The Complete Guide for Attorneys on Maximizing Wealth, Minimizing Taxes, and Retiring with Confidence, published by the American Bar Association. Darren is a member of the American Bar Association and the Financial Planning Association.In today's episode, Darren and I discuss…How decision fatigue may be holding you back from building wealth (and how to alleviate it)Need-to-know basics for wealth-building, plus Darren's favorite wealth-building “trick”How to build wealth even when you are in debtThe number one mistake people make with paying off debtWhat it means to buy or create assets (and why it is critical to build wealth)The big lie we tell ourselves about building wealthThe first thing you should include when creating your business planTax leverage strategiesAnd much more!Links to Love:***Check out The Lawyer Millionaire podcast on Apple Podcasts and connect with Darren and his team at The Lawyer Millionaire, or grab your copy of Darren's book, The Lawyer Millionaire on the ABA website.***Book a Practice Growth Assessment call with me.***Head over to our website and add yourself to our email list by grabbing a copy of our popular guide: What Wealthy Woman Law Firm Owners Know That You Don't. www.wealthywomanlawyer.com***Please Leave a Review and Share. If you love the Wealthy Woman Lawyer® Podcast we'd be ever so grateful if you'd: 1) Leave us a review on Apple Podcasts, and 2) Share your favorite episode with another woman law firm owner you know will benefit from it!***Want to Scale Your Law Firm to 1MM or More? The Wealthy Woman Lawyer® Podcast is sponsored by Wealthy Woman Lawyer, LLC. We help women law firm owners scale their law firm businesses to and thru 1MM with total ease. If you'd like help to scale your law firm business, we invite you to JOIN US IN THE WEALTHY WOMAN LAWYER LEAGUE or, if you have already reached $500K or more in gross annual revenue, but haven't yet hit that $1M mark, to apply for private coaching with me.

Welcome to Thailand! In this video, we're bringing you the latest news from the Songkran Festival in Pattaya and Bangkok. This year's Songkran Festival has been extended for a whole month, and we've got the best of the best pattaya news show for you!Don't miss out on all the festivities - follow our blog and social media pages for the latest updates on the Songkran Festival in Thailand!--National park e-ticket suspension draws criticismThe decision, by the National Park, Wildlife and Plant Conservation Department, to suspend e-ticketing for tourists visiting six national parks from today is being criticized as untimely and poorly planned.Source - Thai PBS WorldNo news on ex-PM Thaksin VIP treatmentSomchai Srisutthiyakorn, an adviser to the Committee on Budgeting Study and Budget Administration Follow-up of the Parliament, is demanding that the government provide an update on the health of convicted...Source - The Bangkok PostSongkran set to 'go globalThailand will transform Songkran into a month-long global water festival next year to boost its "soft power" and attract international tourists.Source - The Bangkok PostDebtors snub government's aid with debtThe government's nationwide initiative for debtors needing help to settle debts with their non-bank creditors received a lukewarm response on Friday as many appeared reluctant to sign up for assistance...Source - The Bangkok Post--Want to support the show? Then why not buy me a coffee! You can do so by following the link belowhttps://www.buymeacoffee.com/thaiexpatshow--Interested in starting your own podcast like the Thai Expat Daily Show? I use Buzzsprout and I can't recommend it highly enough. It makes everything super easy. Sign up today to get on the path to making great podcasts!https://www.buzzsprout.com/?referrer_id=1751572--Check out our website and forum - https://www.thaiexpatdailyshow.com--LIKE & SUBSCRIBE for new videos every dayhttps://www.youtube.com/channel/UCB8khQ_NapVMDiW09oqL-rw--Listen to our podcast on Spotify, Apple, and Amazon or on our podcast website: https://thaiexpatdailyshow.buzzsprout.com--Facebook - https://www.facebook.com/thaiexpatdailyshow--#thaiexpatdailyshow #thailandnews #newsinthailandSupport the show

Creating a budget can often feel restrictive, but with the right approach, it can ensure you have the freedom to spend on what you want while still being confident you can reach your money goals.Sydney helped Kristen create her budget and they share the process in this episode.Tune in to see: How to get out of feelings of anxiety around moneyHow to find the right person where you feel fully comfortable to be open about your full business and personal financial situations How to get a snapshot of your realistic spending habits to best plan your budgetUsing an Over/Under system to contribute more to your Sexy Money GoalsThe Credit Card Payoff Calculator template in Excel and Google Sheets to help you create a payoff plan for credit card debtThe value of automatic savings and investing (plus a suggested app to use to keep it simple)Why you should set up a separate saving account at your bank

“Debt does not mean you are bad with money, that you don't know how to do business, that you are not worthy. It is not something to be ashamed of. It's not something to feel guilty about. It just is.”- Shelagh CumminsToday we're talking about debt, and the first thing I want to share with you is that it doesn't need to be a word that brings on feeling of shame or guilt - debt is a tool, and in this episode of The Road To Seven Podcast I'm going to show you how to master it.I'm going to share with you a few examples of what bad debt is, and what can happen if you take on loans with high interest rates, and no opportunity for return on investment, or ROI. I'm also going to share examples from clients that I've worked with, who leveraged good debt in order to grow their businesses.No matter what, we all take on some form of debt at some point in our business journey, what's important to remember is that you take on debt strategically, and you find a way to release the shame and guilt around any debt that you currently have, or will have in the future.In‌ ‌this‌ ‌episode of the Road to Seven podcast,‌ ‌you'll discover:‌ ‌The difference between good and bad debtThe type  of debt you may take on in order to grow your businessStrategies to pay down debt and let go of the guilt attached to itHighlights:‌ ‌00:01 Intro01:57 An invitation04:49 Bad debt09:18 The state of lending today10:40 Leveraging good debt13:09 Micro-lending13:51 Let go of the story attached to your debtLinks:‌To work with me and make your next power move, visit:https://theroadtoseven.comStay ConnectedLike what you're hearing? Click here to follow on Apple Podcasts for more episodes to boost your Road to Seven today! I have more episodes with great tips and conversations with women that are revolutionizing the way we do business - don't miss it!You can also join the Road To Seven Facebook group to meet other like-minded entrepreneurs who want to band together and help each other rise up.I would be really grateful if you left a review on iTunes so that others can find and boost their business too! Just click here to review, select “Ratings and Reviews” and “Write a Review” I'd also love to hear what your favourite part of this episode is in the comments below. Thank you!Follow me!Instagram: @shelaghcumminsTwitter: @shelaghcumminshttps://facebook.com/ShelaghCumminshttps://linkedin.com/in/shelaghcummins 

In this episode of Money Made Simple, Liv and Jennie are tackling debt! This episode is part one of two, focusing first on what we call the "bad" type.  Acknowledging that things aren't always as black and white as "good debt" or "bad debt", they explain why they are making this distinction and what the implications of bad debt are, in the short and long term.This week's episode covers:What exactly we mean by "bad" vs "good" debt The long-term impacts of bad debtThe pros and cons of credit cards and buy now pay later (BNPL) schemes like Laybuy or Afterpay Some handy (and maybe not so obvious) tips for tackling debtHow credit cards MIGHT sometimes be useful (hint - you need to be REALLY disciplined!) Resources we mention in this episode:Sam Stubbs' Money Made Simple ebookWe hope that by the end of this episode, you can start to differentiate between different types of debt, and their impacts on your finances over the long term. In this way you can start to cut bad debt out of your life, for good! And live happily ever after (too far, we know, felt cute). %) ---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

You made it to the final part of Heal Your Debt! On the final part I'm sharing with you some EPIC practical tools to end any unhealthy relationship with money you may have. I share with you...What the "end of history illusion" is and how it impacts your relationship with debtThe fact that as humans, we suck at knowing what the future holds (the study showed it!) and what that means for you My favourite money action step to take with the $100 cash you took out Last but not least, my top tip for changing your relationship with moneyPLUS, go listen to the MOST popular episode on my podcast (and the talk that got me on the TEDx stage): $1 Day Debt Repayment Method Podcast

Dopamine debt or dopamine deficiency as most experts call it, often presents as a constant state of apathy & a lack of enthusiasm towards things you would normally enjoy or be interested in. In this episode we explore:The signs & symptoms of dopamine debtThe links between dopamine debt & burnoutThe role addiction plays in dopamine debtAnd what to do if this is something you are (or might be) experiencing. For more support visit: xenajones.com/coaching

Is it possible to feel successful with money when you have unwanted debt? You bet!Join me in this brief episode where I walk through the ways my clients feel amazing with money even when they're still carrying old debt that they would love to have GONE.I'm sharing:The specific mindset that helps my clients feel confident and certain about their money choices even when they have unwanted debtThe most important thing to focus on when you have unwanted debt (hint: it's not pay it off as quickly as possible)How to approach debt when you're trying to build wealthJoin Overflow, the free workshop/coaching event happening August 24th: www.katyalmstrom.com/overflow

Description:In this solo episode I am talking about the risks in having cash in the bank. With 3 banks going down in the last few months its more important than ever you understand the banking system and risks in holding cash. Its not the safe option your taught to believe it is.Highlights:The History of MoneyMoney is printed as debtThe strength of our currency is a measure of confidence in our government. Our Government is insolvent.inflation erodes the value of cash in the bank.If inflation is higher than the interest your getting on your cash, your cash is a liability.When you have money in the bank, the bank take your money and invest it. They only have to hold 10% of your money. Banks aren't the safe option.Only £85k of your cash is insured per financial institution.No one ever gets rich by leaving money in the bank.Balance Risk with return. The banks are now inherently riskier with 3 banks recently going down, but the return hasn't increased to reflect this. Resources:Our story on Starting Real Estate Wealth Development and going for 0-200 properties in two and a half years: https://rewdtraining.co.uk/essentials-course-page/-        Following Real Property Training, for more tips on property investing:o   You tube: https://www.youtube.com/channel/UC1JmktMGRuEpPalLqndDRRwo   Facebook: https://www.facebook.com/profile.php?id=100089657347374-        Join our Real Property Community on Facebook: https://rewdtraining.co.uk/the-real-property-community/-        Our Book: Fast track to Property Millions: Fast-Track to Property Millions: Amazon.co.uk: Duncan, Laurie, Robertson, Alex, Tracey, Conar: 9781739854379: Books - Our audiobook:  Your Host: Alex Robertson is a self-made property investor and businessman. He comes from a financial background, gaining a degree in Accounting and Finance and then going on to qualify as a chartered management accountant. Alex is one of Co-Founders of Real Estate Wealth Development, a group of companies in the property industry, with over 200 buy to let properties, training company, construction company and development business. He is also the co-author of the book Fast Track to Property Millions. Contact:Instagram: @rewdgroupalexFacebook: (4) Alex Robertson | FacebookLinked in: (2) Alex W Robertson | LinkedInEmail: info@therealwealthpodcast.com 

From financial ruin to financial freedom, award-winning author and speaker Chris Felton shares his expert advice on ending financial stress to save money. Raw and real Chris shares his own life experience that will challenge you to look at what you really believe about money and how the truth can set you free.  IN THIS EPISODE YOU WILL LEARN:Practical tips to save while escaping debtThe holistic healing of forgivenessHow to unlock the limiting beliefs about money you didn't know you hadThe best way to set financial goalsUnderstanding the concept of managing moneyRESOURCES/LINKS MENTIONED:Think & Grow You by Chris Felton - Paperback: https://amzn.to/3mi5hH5, Hardcover: https://amzn.to/3SDgrlECouples Money by Marlow Felton and Chris Felton - Paperback: https://amzn.to/3QCDqwkRich Dad Poor Dad by Robert T. Kiyosaki - Paperback: https://amzn.to/3ZAC8G37 Tips To Establish An Early Morning Routine - https://hammersnhugs.com/7-tips-establish-early-morning-routine/Secrets of the Millionaire Mind by T. Harv Eker - Paperback: https://amzn.to/3Z9ebVO, Kindle: https://amzn.to/3y2NKFt, Hardcover: https://amzn.to/3ZyvHCTABOUT: CHRIS FELTONChris is an outstanding facilitator on sales and much more. He is one of the most sought-after presenters at the SBDC Small Business Development Centers. Chris Felton is a bestselling author, personal finance expert, and professional speaker. He has grown a successful financial services business, which has put them in the top 1% of one of the largest financial services companies in North America and more than tripled their income during the Great Recession. After almost 20 years in the financial services industry and over a decade of personal development, he has learned that wealth is built from the inside out! He is a highly sought-after speaker within the financial services industry for their unique approach to creating wealth.CONNECT WITH: CHRISWebsite: Chris Felton: https://wealthwave.com/chrisfeltonLinkedIn: Chris Felton: https://www.linkedin.com/in/chfelton/CONNECT WITH US:Website: http://www.hammersnhugs.comYouTube: https://www.youtube.com/c/AhnaFulmerHammersNHugsInstagram: https://www.instagram.com/ahnafulmer/Facebook: https://www.facebook.com/hammersnhugsContact The Show!Website: https://hammersnhugs.com/imperfectly-empowered-podcast/Email: ahna@hammersnhugs.com*NEW* IG: https://www.instagram.com/ahnafulmer/

If you're a business owner, it's really important to know what your responsibilities are when it comes to tax or GST debts. In today's episode, I discuss the importance of lodging your activity statements on time and run through what you need to know about ATO debt. We know things can take a turn in the world and economy, often when we least expect it. Should anything go wrong and you want the government to assist you, it will serve you well to stay up to date with lodgements and payments. This will cause the ATO to look favourably towards you and your history. While I have found the ATO to be very helpful, there are strict dates around lodging your business activity statements on time and making payment of any debts owed to them. Today I give you an overview on:What ATO debts actually areThe 2 different types of activity statements and what your responsibilities are with them  The different timeframes for lodging when you are doing so on your own behalf or using a tax agentPenalty rates for late lodgements or payments of debtSetting up payment plans when you're unable to pay your debtThe importance of making super payments to staff, and how this is considered even more important than tax debtsAs the ATO actually says on its website, please don't put your head in the sand. When it comes to making  payments of any debts you owe, communicating with the ATO transparently will help them help you. And it will absolutely serve your business in the long run. I hope you enjoy today's episode and find it helpful in understanding the importance of staying up to date and in control of any of your ATO debts. LINKS:Register your interest in the Bookkeeping it Real Mentoring Program here.Check out my course Bookkeeping it Real here!Where to Find Bec:Website:https://straightupbookkeeping.com.au/ Instagram: @straightup_bookkeepingFacebook: @straightupbookkeepingLinkedIn: @straight-up-bookkeeping

We have so many misconceptions about debt. We have stories about what it means to be in debt. The goal of debt freedom. Here I break down what debt is and a unique way to think about good and bad debt. Don't miss out on:How to think about debt and what it means to have good vs. bad debtThe best and easiest way to pay down debtHow you can pay off debt and invest at the same time 

Everyday there are more signs that Canadians are struggling with inflation and the skyrocketing cost of borrowing, finding it increasingly difficult to make ends meet. Many are leaning on credit. But when is it time to acknowledge the fact that you are in over your head and need to reach out for help? Leigh Taylor has been a Licensed Insolvency Trustee for over 40 years. His experience helping people with their unmanageable debt has given him a solid understanding of the stresses and emotional toll being in deep debt causes. Leigh talks about:Warning signs that you are in over your headRelationship problems caused by debtThe embarrassment financial difficulties causesTax and repayment requests - financial fallout from COVIDWhen and where to seek helpAdvantages of dealing with a local Licensed Insolvency TrusteeIf you are struggling with insurmountable debt and need someone to talk to, a Licensed Insolvency Trustee should be your first call. They are licensed and regulated by the Canadian government and adhere to strict ethical guidelines.About Leigh TaylorLeigh began his career as an Official Receiver with the Office of the Superintendent of Bankruptcy. He is a Certified Professional Accountant and attained his license as a  Licensed Insolvency Trustee in 1980. LCTaylor's mission is to help people get out of debt through compassionate care and professional service. With over 40 years experience in the insolvency field, Leigh and his staff have helped over 50,000 Manitobans solve their debt problems. Additional Resources LCTaylor Licensed Insolvency TrusteeA Local Licensed Insolvency TrusteeDon't Let a Money Problem Turn Into a Debt Crisis

On today's episode, I'm joined by Joe Cianciolo, Founder & CEO of HomePace.HomePace's mission is to enable homeowners to gain financial flexibility. They do this by allowing homeowners  to unlock the equity in their homes.HomePace's innovation gives homeowners more financial freedom without taking on more debt and gives institutional investors access to the real estate asset class.Joe and I talked about where the HomePace idea originated from, his time at SecondMarket and FutureAdvisor, the typical use of funds through this transaction, how the overall real estate market impacts their business, playing football at Penn State, raising capital, and much more.If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.Without further ado, Joe Cianciolo, Founder & CEO of HomePace.. I hope you enjoy the show.Episode highlights include:Joe's journey to HomePaceLesson's learned from FutureAdvisor & BlackRockHomePace's modelCorrelation to the broader housing marketsEquity v. DebtThe education gap for equity housing transactionsRaising CapitalHis time playing football at Penn StateRecommend reading for kids: Charlie and the Chocolate Factory by Ronald DahlRecommend reading for founders: Moneyball by Michael LewisAnd much more…Connect with Joe on LinkedInConnect with PitchIt:Tweet me @ToddFintechConnect with me on LinkedInFind previous PitchIt episodesEmail me at todd@fintechnexus.comUntil next time.

On today's episode, I'm joined by Joe Cianciolo, Founder & CEO of HomePace.HomePace's mission is to enable homeowners gain financial flexibility. They do this by allowing homeowners to unlock the equity in their homes.HomePace's innovation gives homeowners more financial freedom without taking on more debt and gives institutional investors access to the real estate asset class.Joe and I talked about where the HomePace idea originated from, his time at SecondMarket and FutureAdvisor, the typical use of funds through this transaction, how the overall real estate market impacts their business, playing football at Penn State, raising capital, and much more.If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.Without further ado, Joe Cianciolo, Founder & CEO of HomePace.. I hope you enjoy the show.Episode highlights include:Joe's journey to HomePaceLesson's learned from FutureAdvisor & BlackRockHomePace's modelCorrelation to the broader housing marketsEquity v. DebtThe education gap for equity housing transactionsRaising CapitalHis time playing football at Penn StateRecommend reading for kids: Charlie and the Chocolate Factory by Ronald DahlRecommend reading for founders: Moneyball by Michael LewisAnd much more…Connect with Joe on LinkedInConnect with PitchIt: Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at todd@fintechnexus.com Until next time.

My story with Party CityPE of 4 is meaningless if the E doesn't growBe extremely careful around debtThe moat was weaker than it appearedNot all debt is equalDistressed equity investingI look at portfolio debtWhere was the innovation?New checklist item - Does management have a massive stake in the business? Are they in the same boat as me?Follow Jason - https://twitter.com/afterinvestorWelcome to CyrusOne Connects Join us to uncover the latest insights and advances in the data center sector and beyond.Listen on: Apple Podcasts Spotify The Socialers Podcast - Stories Of Social Media ProsThe podcast for social media professionals discussing the latest trends, tech, & news.Listen on: Apple Podcasts Spotify Dive deep into the motivations and mechanics behind some very successful people.Risk takers, dreamers, business folk and believers discuss the journey toward their goals.Listen on: Apple Podcasts Spotify

Naseema is a published author and the founder of Financially Intentional, a platform about personal finance and living life intentionally. Naseema discusses how taking control of her finances has enabled her to overcome bankruptcy, divorce, and break the cycle of living paycheck to paycheck. She shares her lessons along her path to help others benefit from the freedoms of financial independence. Outside of encouraging people to get their financial act together, Naseema is a mother and a Labor & Delivery Nurse. Though making six figures for years, she struggled with money. Finally realizing she couldn't out-earn her financial ignorance, she knew she had to make some changes.  By shifting her mindset around money, being consistent and intentional, She has paid off $1 million in debt and grew a six figure net worth in three years without living in deprivation. In this episode you'll learn: How she shifted her mindset to take control of her financesThe steps she took to pay off a million dollars of debtThe strategies she is using to build wealth for her children  Connect with Naseema: Social Media: https://www.instagram.com/financiallyintentional/Website: https://www.financiallyintentional.com/*This episode is sponsored by Bask Bank*Open a Bask Interest Savings Account, a Bask Mileage Savings Account or both. Learn more at: https://www.baskbank.com/ Disclaimer:  *National average rate as of August 15, 2022 per FDIC.gov. APY as of November 2, 2022. APY is variable and subject to change after account opening. No monthly account fees or minimum deposit required. Must fund within 15 days of account opening. Bask Bank is a division of Texas Capital Bank, Member FDIC.Connect with us: Instagram: @richbyintention Twitter: @richbyintention Topics referenced in this episode: Learn more about the FIRE Community, check out episode 11Check out our episode with Rich and Regular about their new bookGet our FREE Cheat Sheet to Get on the Same Page about Money with Your Partner, Click Here. Check out our website: Richbyintention.com

“I've had women tell me - ‘I went from homeless to homeowner because of you.' That's the legacy I want to leave.” Our community has been loving conversations around finance – so we're thrilled to share this week's guest, Tiffany Aliche, aka The Budgetnista! Get out your note pad for tips on saving, budgeting, investing, and getting out of extreme debt. Hear about Tiffany's personal financial rock bottom and how she emerged stronger— from being broke in her 30s, living at her parents to making seven figures, running a successful business in her 40s! You will get step-by-step advice for how to budget your whole life, cultivate a positive money mindset, spend according to your core values and more!Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast In This Episode We Talk About:All things financial education with our guest: Tiffany Aliche, aka The Budgetnista!Tips on saving, budgeting, investing!Her own financial rock bottom and how she emerged strongerLiving outside your meansStep-by-step advice for how to budget your whole lifeThe path Tiffany took to start The BudgetnistaSavvy ways to get out of extreme debtThe importance of discussing money in a family unitSaying no to opportunities that don't light you upCore values! Their importance and connection to financesDifferent tactics to save for retirement at any ageHow to cultivate a good money mindset! Resources: Text Us: +1-213-423-5226 - (texting is only for US, Canada, & Puerto Rico)Alexis Smart x TBM EXPANDED Flower RemedyTBM Manifestation Journal  Resentment Digital Masterclass - Pre Sale  In The Episode:Bon Charge - 15% off with code MAGNETICIce RollerRed Light MiniExpanded Ep 72 x Andy Mant of Bon ChargeExpanded Ep. 36 x Andy Mant Bon Charge BITE Toothpaste Bits - 20% off your first order with code TBMToothpaste BitsDeodorant  Expanded x Ep. 208 - How To Create Financial Freedom Part 1 with Lacy, Jessica & GraceExpanded x Ep. 211 - How To Create Financial Freedom Part 2Get Good With Money - Tiffany Aliche (book)Get Smart With Money (Netflix)The BudgetnistaThe Budgetnista Financial Wholeness QuizMint  Budgeting Capital One Online BankAllyMagnifyMoney.com Where To Find Tiffany!@thebudgetnista - IGGet Good With Money - Tiffany Aliche (book)The BudgetnistaThe Budgetnista - YouTube Disclaimer - This podcast is for entertainment purposes only and is not meant to be taken as direct financial advice. Please consult your own financial advisor and do your own research before making any financial decisions. Our Offerings:Looking To Start Your Membership? - Use code EXPANDED for $20 off your first month of The Pathway or $20 off any a la carte workshop.The Pathway - 12-month all-access membership includes ALL of our a la cartes + more!How To Manifest, Unblocked Inner Child, Unblocked Shadow, The Love Bundle, Unblocked Money+ The Daily Practice includes our Deep Imagining Library with over 18+ DIs+ Unblocked Boundaries + Unblocked Full Moon+ Uplevel - 3 in 1 includes Rut, Rock Bottom & Next Level workshops+ Monthly Supported Class+ Community Group to connect with fellow manifestors+ Automatic access to any new offering or DI that becomes available as well! A La Carte - Not ready for a membership? Try an individual workshop with 3 months of access.The Basics Bundle - How To Manifest, Unblocked Inner Child & Unblocked ShadowUnblocked Inner Child Unblocked Shadow The Love Bundle - Unblocked Love & Relationships Reflection Mini-WorkshopUnblocked Money Free Offerings to Get You StartedThe MotivationFree Clarity Exercise - Journal prompt + 1 Deep ImaginingExpanded Podcast - Manifestation 101  SubmitSubmit to Be a Process Guest

Debt can be a useful tool for growth in your construction business when handled correctly. This week we're discussing the different types of debt, when it makes sense to use it, and the best ways to pay down debt without negatively affecting your cash flow and profitability. Topics we cover in this episode include:What is smart debt?Debt, starting a new business, and survival modeHow much debt is too much when it comes to bonds and banks?How Profit First looks at debtLong-term vs. short-term debtThe best strategies for getting out of debt LINKSVisit the episode page at https://contractorsuccessforum.com/debt for more details and a transcript of the show.Find all episodes and related links at ContractorSuccessForum.com.Join the conversation on our LinkedIn page: https://www.linkedin.com/company/contractor-success-forumFIND US ONLINERob Williams, Profit Strategist | IronGateESS.comWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | McWins.comFIND US ONLINERob Williams, Profit Strategist | IronGateESS.comWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | McWins.comFIND US ONLINERob Williams, Profit Strategist | IronGateESS.comWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | McWins.com

Debt can be a useful tool for growth in your construction business when handled correctly. This week we're discussing the different types of debt, when it makes sense to use it, and the best ways to pay down debt without negatively affecting your cash flow and profitability. Topics we cover in this episode include:What is smart debt?Debt, starting a new business, and survival modeHow much debt is too much when it comes to bonds and banks?How Profit First looks at debtLong-term vs. short-term debtThe best strategies for getting out of debt LINKSVisit the episode page at https://contractorsuccessforum.com/debt for more details and a transcript of the show.Find all episodes and related links at ContractorSuccessForum.com.Join the conversation on our LinkedIn page: https://www.linkedin.com/company/contractor-success-forumFIND US ONLINERob Williams, Profit Strategist | IronGateESS.comWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | McWins.com

2 Kings 6:5-7 When they came to the Jordan, they cut down trees. But as one was felling a log, his ax head fell into the water; he cried out, "Alas, master! It was borrowed." Then the man of God said, "Where did it fall?" When he showed him the place, he cut off a stick, and threw it in there, and made the iron float. He said, "Pick it up." So he reached out his hand and took it.This story of the ax is the last in a series of stories which describe the interaction between Elisha and “the company of prophets.What is the significance of the floating axe head? Was it just to show that Elisha did great miracles by the power of God? Was it to demonstrate that God cares about His people being in debt? The debtThe servant of God losing the axe head in the river Jordan signifies the man owe a great debt, and are under the judgment of the law for it. This truth characterized by it falling into the river that separates the people of God from the promised land. The axe head lost causing debt, and the law requiring that debt must be paid.Elisha is divinely inspired to cut a stick from a tree, that through the power of God it would bring up the axe head, removing the judgment by removing the debt. When the axe head is restored, the servant is now free from debt. It signifies that debt is no longer owed and God's servant is no longer under judgment of the law concerning it. The stick and the crossWhen the prophet shows Elisha the place where the axe was lost, Elisha then went and cut a piece of wood or stick from a tree and he cast it into the water at the place the prophet confessed the axe head fell. That stick represents the work of Christ on the cross to remove the curse of the law, the debt that requires judgment. That Hebrew word in 2nd Kings 2:6 [ets] that is translated stick, is the exact same word that is translated "gallows" (Esther 5:14), representing the tree, a tool of hanging. Likewise it is the same word translated tree in Deuteronomy chapter 21:22 and if a man have committed a sin worthy of death, and he be to be put to death, and thou hang him on a tree:The stick or tree (translated both) represents the power or work of Christ in the redemption of the debt. It was for this reason that Christ died on the tree.Galatians 3:13 Christ hath redeemed us from the curse of the law, being made a curse for us: for it is written, Cursed is every one that hangeth on a tree:Debt ForgivenessMatthew 18:26-27 The servant therefore fell down, and worshipped him, saying, Lord, have patience with me, and I will pay thee all.Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt. This is the compassion of God, and we should be just as compassionate to those who are indebted to us. The compassion Elisha had on his disciple for his dept is a portrait of the compassion God has upon us for ours. This story of the miracle of Elisha raising the lost axe-head that is recorded in 2nd Kings 6:1-7, is the sign (miracle = sign) of the debtor's recovery and restoration through Christ Jesus.We see through this story that Elisha used the wood to remove this student's debt, and this redemption was made through the water of Jordan. This whole episode demonstrates to us the condescension of the Son of God in humbling himself that he might be nailed to a tree (become a curse for us) and come through the waters of death to provide solution for our debt. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit myeveningdevotional.substack.com

Real estate investing is for everybody. Not doing it full-time like me. But everybody can buy one property a year or every other year and it still adds up in a major way. - Attiyah BlairAccording to this week's guest, it doesn't matter where you start from, with the right information and focus, you can build  wealth through real estate.This week's Dreamer, Attiyah Blair, shared her journey from purchasing her first house at 23 to now owning close to sixty units.For Attiyah, it's important to have your fundamentals in check, knowing your numbers, being a disciplined investor and using your time wisely. According to Attiyah, real estate investing is not ‘get rich quick', but it is ‘get rich for sure'!In this episode, Attiyah Blair discusses:   The strategies she used to grow her real estate portfolio to 60 unitsHow you can use leverage your first property to start your journey as a real estate investor The 65% rule to avoid over-leveraging debtThe 1% rule to evaluate real estate cash flow The smart way to leverage other people's money in real estate to build wealth The 1031 exchange: one of the best tax loopholes to accumulate wealth in real estate Her best tips to get started as a real estate investor If you enjoyed today's episode, here's what you can do to support me and help more Dreamers discover the podcast:Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen NotesShare the podcast with your family, friends, and co-workers.Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you're at it, click the bell to subscribe so you can get notified when a new episode comes out.Dreamers' Wealth of Wisdom:We have to get out of our feelings and get into the numbers. - Attiyah BlairFeeling like you have to come up with all that money by yourself is one of the common misconceptions that keep people from getting started at all.  - Attiyah BlairSuccess is not hard, it's just that being mediocre and average is easy. - Attiyah BlairConnect with Anne-Lyse:Website InstagramInstagram (Personal) 

Get ready to welcome one of my very first guests to the show, Bobby Goodwin, who was part of my “money plan workshop”. Today we're discussing how this workshop helped him get on his journey to financial freedom.You'll hear about how he turned the tables and grabbed ahold of his financial ship, little by little, by creating a plan, tackling debt, and starting to work on creating wealth.Bobby is sharing all the steps he took to go from his “drowning point” to his “breakthrough point”. As Bobby, the steps you take don't have to be big, because small steps become grand overtime and make a real difference in the whole process of your financial journey.Today our conversation includes: What our current financial situation looks likeThe steps towards our financial freedomHow to face debtMaking the best plan to get out of debtThe concept of leapfrog funding, and we take some of our income to make different paymentsResources mentioned:Episode 040 Getting Out of Debt the Affluence Way: https://podcasts.apple.com/us/podcast/040-getting-out-of-debt-the-affluence-way/id955356128?i=1000545517792Ready to set an unshakeable financial foundation?Join the VIP EXCLUSIVE LIVE Experience called The Affluent Entrepreneur LIVE. It is totally FREE and it will be a 3-part deep dive into money, wealth, and the exact process you need to take control of your financial destiny. Go here to get on the priority VIP list www.AffluenceLive.com Connect with me:Website: MelAbraham.comYouTube: MelAbraham.com/tube/Instagram (@melabraham9): MelAbraham.com/ig/Facebook Group: MelAbraham.com/group/TikTok:https://www.tiktok.com/@melhabraham Connect with Bobby Goodwin:Website: https://www.cosmicrecode.com/homeFacebook:  https://www.facebook.com/thebobbyagoodwin Check out my book:“The Entrepreneur's Solution The Modern Millionaire's Path to More Profit, Fans, & Freedom” - melabraham.com/book/

What a week! This week, Americans saw the unveiling of the “Inflation Reduction Act of 2022,” Biden's assurances the inflation rate in July was zero, and the shocking FBI raid of Mar-a-Lago. We discuss all the latest news surrounding this and what it means.You can leave a rating/review of our podcast here: https://lovethepodcast.com/ProLifeAmerica Topics Discussed:Biden says there was ZERO inflation in July!The Reduce Inflation ActThe FBI raid of Mar-a-Lago Links Mentioned:Kamala Harris says “Inflation Reduction Act” will be “largest investment made to address the climate crisis”Breakdown of the Federal Government's Debt5 Countries That Own the Most U.S. DebtThe market's biggest winners and losers in the Inflation Reduction Act - CNBCIRS: 87,000 new agents will ‘absolutely not' target middle-income Americans - New York PostJustice Department settles with conservative groups over IRS scrutiny - ReutersThe Unresolved IRS Scandal - WSJ OpinionDetails Emerge About What FBI Agents Were Searching For In Raid On Trump Home, Report Says - The Daily WireQuestions swirl about what exactly the F.B.I. was looking for, and why - NY TimesPresident's son says agents REFUSED to hand over warrant, kicked lawyer off the property, searched Melania's clothes - and how Mar-a-Lago staff refused to turn off security cameras - DailyMailTrump ally Rep. Scott Perry says the FBI seized his cellphone one day after Mar-a-Lago raid - Fox NewsRate & Review Our Podcast Have a topic you want to see discussed on the show? [Submit it here.]To learn more about what Life Dynamics does, visit: https://lifedynamics.com/about-us/Support Our Work Be Sure To Follow Life Dynamics:Our WebsiteFacebookTwitterInstagramYouTubeRumble

Nii sits down with Trevor Cabrera, who completed his residency training in General Pediatrics at the University of Texas Health Science Center in Houston and then transitioned to working as an exclusive Locum Tenens provider. Listen in as Dr. Cabrera, also known as The Nomadic Pediatrician, talks about his first locum job, paying off student loans, the lifestyle locum work affords him, and his blog that documents his travels and experiences.Things to expect in this episode:Trevor discusses why he pivoted to locum workThe early, lean locum daysConsistent locum work and paying off student loansThe lifestyle of a locum, especially the benefitsGrowing through locum workCheck out The Nomadic Pediatrician Blog: www.thenomadicpediatrician.comAdditional Dr. Cabrera writings:5 ways to make locums housing feel like homeFrom medical school to residency to…locums?Paying off medical school debtThe social life of a locum physicianWE WANT TO HEAR FROM YOU!!!! TELL US WHAT YOU WANT TO HEAR ON FUTURE EPISODES!!!!FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)WATCH THIS EPISODE ON YOUTUBE!Join our communityText word PODCAST to 833-230-2860Twitter: @drniidarkoInstagram: @drniidarkoEmail: team@drniidarko.comPodcasting Course: www.docswhopodcast.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is edited by: Your Podcast PalThis episode is sponsored by:Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them outHERE!Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out at HERE!

With clients like Royal Caribbean, Adobe, Coinbase, and Twitter...Dave Fox is certainly an entrepreneur to watch. He is the Founder & CEO of Focus GTS, a specialty tech staffing agency and placement firm with a focus on four areas of technology. The sectors they focus on are IT Solutions, Artificial Intelligence and Data Science, Digital Transformation, and Cloud Services. In this conversation, you'll hear Dave and Omar discuss:How they met at a Tai Lopez MastermindRecruitment Companies & MarketingCreating a Positive Work EnvironmentTools of Personal DevelopmentChristian Culture and DebtThe "Hour of Power"IncantationsFighting the Fear of SurvivalFocus GTS Culture & LeadershipDave's Morning RoutineDave's goal with FocusGTS & other businessand much, much more!Check out Omar's upcoming Webinar here!Join the What if it Did Work Movement here.About Dave Fox:Dave's journey in the IT staffing and recruitment industry started back in New York City in 2010. Where he stumbled upon a Craigslist Ad for a global staffing agency that was expanding their reach to the U.S. For the next 8 years, Dave moved from trainee IT recruiter to running an entirely new market. Dave Fox is dedicated to creating the most innovative IT staffing and recruitment agency in the United States.

Women have made gigantic strides toward equality in recent years but still face financial challenges that men don't. It's hard to believe that, in this day and age, women are still not considered equals when it comes to money management. This podcast takes a look at the myths surrounding women and money. Licensed Insolvency Trustee, Francyne Myers shares her insights gathered over the 20 years she has been working with people in debt. Along with busting the myths around women's poor money management skills, she also discusses:How women (and men) get into debtThe influence social media has on young womenWhy you're not responsible for the financial health of othersHow to teach kids about money and how to stand on their own 2 feetHaving difficult conversations and setting boundaries with your kidsWhat is disposable income and how to increase it Licensed Insolvency Trustees like Francyne Myers are federally regulated and approved by the Canadian government. With their extensive financial knowledge, they will give you honest advice about how to deal with unmanageable debt.About Francyne MyersIn 2012, Francyne left her 23 year public service career and joined Allan Marshall & Associates where she completed her education and became a Licensed Insolvency Trustee in 2013. Alongside with her work she is actively involved in her local Trustee Association. In her spare time Francyne can be found fishing and spending time with her family.Additional ResourcesAllan Marshall & Associates Licensed Insolvency TrusteeMyths About BankruptcyConsidering Hiring a Financial Advisor to Help Manage Your Money? Here's What You Need to Know

Visit our sponsors: Stack sats at Swan Bitcoin or earn sats at Fold CardMax and Stacy discuss: Blast from the Max & Stacy past with a clip reel of Max Keiser from 13 years ago discussing the black hole of financial debtThe bond markets continue to sell off, which way next? Max finds a Modigliani on the bookshelf

Today's guest is Jaspreet Singh, otherwise known as the Minority Mindset. Singh is an attorney, investor, and CEO of both Market Briefs and Market Insider. Although he didn't receive any formal financial education - he is on a mission to make financial education fun and accessible. His brand has helped countless people get out of debt, start investing, and create a plan towards building wealth.In this episode, you will learn:The difference between Tax Avoidance and Tax EvasionThe biggest lies we're told about money growing upWhy it's important to question the status quoHow to manage debtThe pros and cons of investing in real estateFor more, go to lewishowes.com/1257How To Prepare For Financial Freedom In A Changing Economy - EP 1254Overcome Your Beliefs Around Money w/ Grant Cardone - EP 1229Make These Smart Money Moves w/ Gino Wickman - EP 1225See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What we covered:The power of intentional sellingWhat is soul-centered sellingLearn the process and criteria for getting a venture debtThe difference between debt facility and term loanThe ideal client profile for equity financingWhat to expect during the equity financing processThe difference between a community bank and a national bankHow Pacific Western Bank works, and how they work with some of their clients.The importance a good introduction can give when you want to work with certain clients.How a “competitive” business model can do more harm to both your employees and sales.The value of breaking generational trauma to make a better future for our children.How letting go of your anger can be the best thing that you can be and the best thing you can do for yourself.Tweetable Quotes:“People like to do business with people that they know, like, and trust.”“It's hard to get from know to trust on a zoom call, you need people to be there, to experience people's energies and connections, and be able to look them in the eye and see a smile on their faces.”“You got to be who you are. You be you!”“Great salespeople have always been leaders, and great leaders have been great salespeople.” “Sales is a service, it's helping people and serving others.”  “What's amazing about listening is that so many of us are listening to respond as opposed to listening to understand. And when you're listening to respond, you're thinking of what it is you want to say and respond to whatever you're hearing as opposed to listening to understand where you are focused on what the person is saying and asking good follow-up questions.” “When you talk about transformations, sometimes there are bigger ones, sometimes there are smaller ones. Sometimes, it takes two seconds, sometimes, it takes 20 years.” Links Mentioned:Kurt's TwitterKurt's InstagramKurt's LinkedIn

This week's bonus episode is a live stream from my free community, The Simplified Budget. It is all about how to decide when to save, and when to pay off debt. Every woman's situation is unique, but what's universal is the need to feel like you're gaining some momentum, like you've got some traction under you.As we dig into the question, “Should I save or pay off debt?”, you'll learn:The #1 key to paying off debtThe habit you need to practice before paying off debt Why you need to learn to sit with the feeling of having money.

You Need a Budget is the expense tracker/budgeter that requires no introduction…but we'll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for a financially stress-free future. Jesse may have been the perfect person to build a product like this—he started tracking his expenses at age sixteen for fun!As Jesse grew older, he continued to track his expenses regularly, allowing him to have a tight hold on his money and fight back the urge to go into debt. When his wife decided to take a backseat on working and have children, Jesse started to work harder at converting YNAB from a simple spreadsheet to a full-blown business. He was so conservative that three years into the business when he was making twice as much as his accountant salary, he continued to reinvest almost every cent of profit so he could have a strong financial foundation behind him.Now, some eighteen years after launching, Jesse still holds the principles that he started YNAB with. He lives a simple lifestyle, enjoying “parlor time” with his seven children, keeping a strong emergency fund, and investing in a very, very conservative manner. Take it from someone like Jesse who has “made it”—budgeting can change your life. In This Episode We CoverWhy budgeting and expense tracking are important at an early age How simple expense tracking allows you to save and invest more while starving off debtThe four money rules that will change the way you think about your finances Where to keep the money that you're saving for emergencies, down payments, and moreHow to know it's the right time to quit your job and pursue your passionsRunning your real estate business through YNAB's intuitive budgeting Why Jesse refuses to invest in high-risk assets while building his businessAnd So Much More!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do so. But, this type of lifestyle can only be achieved by being mindful and proactive about where your money is going, as today's guest Kevin, knows very well.Kevin's story was posted on the BiggerPockets Money Facebook Group, where he relived the horror of his credit card being declined at his girlfriend's birthday dinner. This struck Kevin, since he made a decent salary and was relatively responsible with his money. He contributed to retirement accounts and kept a lean emergency fund, so where was all his money going?In today's discovery, Scott and Mindy walk Kevin through which parts of his budget need a tune-up, and whether or not aggressive loan paydown is worth it for optimal financial flexibility. So where can you tweak your budget to maximize flexibility while minimizing credit-card-induced stress? In This Episode We CoverHow to pay off bad debt fast and work your way to debt-free status Achieving “financial flexibility” before financial independence and the steps to get there Tracking your expenses and budgeting for spending (every single month!)How to cut food and eating out spending so your stomach and wallet stay happy What to do with extra income once you've paid off all your debtThe importance of a strong emergency fund and always having a safety reserveAnd So Much More!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

According to the latest Stats Canada report there was $1.73 in ‘credit market debt' for every $1.00 of household disposable income. Canadians are taking on more debt. But taking on debt is fine as long as most of it is ‘good debt'.  In this podcast Licensed Insolvency Trustee, Derek Chase takes a look at different kinds of debt. What is classified as ‘good debt' and what is ‘bad debt'. Derek also offers advice on how to conquer bad debt. Other topics covered are:How to avoid bad debtHow good debt can turn badWhy income tax debt is considered bad debtThe most popular option to deal with tax debtLicensed Insolvency Trustees are federally regulated and approved by the Canadian government. They are the ones that will give you honest advice about all the options available to you. About Derek ChaseDerek Chase is a Licensed Insolvency Trustee in British Columbia. He has been helping individuals and corporations restructure their debt since 1997. His areas of practice include personal and corporate insolvency including Consumer Proposals and Bankruptcy. The best part of his work is to be able to witness lives change for the better when the heavy burden of unmanageable debt is lifted.  Additional ResourcesDerek L Chase & Associates Ltd. Licensed Insolvency TrusteeGood Debt vs Bad Debt: Understanding the Difference5 Debt Warning Signs & How to Deal With Them

020. Earning six figures is a pretty big motivator, but you know what's even more compelling? Needing to pay off six figures worth of debt...That's exactly what Debbie Gartner of The Flooring Girl blog was facing back in 2016, when she lost her flooring company, and suddenly found herself staring down the barrel of impending financial doom. Debbie actually started her first blog to help her get local clients to her physical business. She was a flooring consultant that helped people, mostly women, navigate the complexities of choosing and installing new flooring in their homes. She didn't have a care or a thought in the world about actually monetizing the site itself.But through a series of unfortunate events (that she can't even discuss in detail due to a non-disclosure agreement), she found herself suddenly with no job, almost no money, and more than $238,000 in debt. Oh, and to top things off, she lived just outside of New York City, so she needed to be making $10,000 a month just to manage the debt and put food on the table. *Cue the panic attack!*With few options in front of her, Debbie turned to her online blog for answers. She didn't know anything about monetizing it at the time, but she had learned a lot about SEO in her efforts to use her website to bring in more physical clients to her business.So, from there, she learned. And through a lot of hard work and what Debbie refers to as “grit,” she was able to: become a highly sought-after SEO consultant, make $1,100 her first month with ads and affiliate sales, write two very successful ebooks on SEO techniques, and grow her blog to over $20,000 per month in income.Debbie's journey to blogging success was anything but smooth, and she's sharing all the gritty details with me in today's podcast episode. In this episode, Debbie and I are discussing:Debbie's journey from flooring salesperson to full-time bloggerHow she dug herself out of over $238,000 of debtThe major role SEO played in her successAffiliate marketing pro tipsSome big failures and bigger successes along the wayAnd more.For additional resources and show notes, visit the episode podcast page on our website.Resources and Mentions:Debbie's Blog: TheFlooringGirl.com Debbie's books, courses, resources, and moreDebbie's free SEO courseDebbie's free Amazon Associate guideCourse Mentioned: Six Figure BloggerTutorial: How to Start a Successful BlogStart your first blog with our Free 5-Day Blogging BootcampFor more information and resources, check out the podcast page on our website.

020. Earning six figures is a pretty big motivator, but you know what's even more compelling? Needing to pay off six figures worth of debt...That's exactly what Debbie Gartner of The Flooring Girl blog was facing back in 2016, when she lost her flooring company, and suddenly found herself staring down the barrel of impending financial doom. Debbie actually started her first blog to help her get local clients to her physical business. She was a flooring consultant that helped people, mostly women, navigate the complexities of choosing and installing new flooring in their homes. She didn't have a care or a thought in the world about actually monetizing the site itself.But through a series of unfortunate events (that she can't even discuss in detail due to a non-disclosure agreement), she found herself suddenly with no job, almost no money, and more than $238,000 in debt. Oh, and to top things off, she lived just outside of New York City, so she needed to be making $10,000 a month just to manage the debt and put food on the table. *Cue the panic attack!*With few options in front of her, Debbie turned to her online blog for answers. She didn't know anything about monetizing it at the time, but she had learned a lot about SEO in her efforts to use her website to bring in more physical clients to her business.So, from there, she learned. And through a lot of hard work and what Debbie refers to as “grit,” she was able to: become a highly sought-after SEO consultant, make $1,100 her first month with ads and affiliate sales, write two very successful ebooks on SEO techniques, and grow her blog to over $20,000 per month in income.Debbie's journey to blogging success was anything but smooth, and she's sharing all the gritty details with me in today's podcast episode. In this episode, Debbie and I are discussing:Debbie's journey from flooring salesperson to full-time bloggerHow she dug herself out of over $238,000 of debtThe major role SEO played in her successAffiliate marketing pro tipsSome big failures and bigger successes along the wayAnd more.For additional resources and show notes, visit the episode podcast page on our website.Resources and Mentions:Debbie's Blog: TheFlooringGirl.com Debbie's books, courses, resources, and moreDebbie's free SEO courseDebbie's free Amazon Associate guideCourse Mentioned: Six Figure BloggerTutorial: How to Start a Successful BlogStart your first blog with our Free 5-Day Blogging Bootcamp

Welcome to Surviving Tomorrow, a podcast, newsletter, and publication that helps you navigate life in an age of democratic destruction, ecological collapse, and economic irrelevance, available for FREE on Substack, Spotify, Apple Podcasts, Facebook, and Youtube.Superpowers aren't impressive.Italy, Greece, Ethiopia, Egypt, Britain, Spain, Portugal; they've all ruled the world for a time before sliding back to just regular-ol'-nation status.Now it's America's turn.The United States is going to collapse.This isn't a fear-mongering statement.Just a fact.Everyone knows it.Whether in five years or fifty, the days of America-as-global-superpower are numbered.In the same way that Rome pulled back its troops from Alexandria in Egypt and the Scottish borders in Britain, the American military-industrial complex will continue the work started in Afghanistan and eventually withdraw its 800 global military bases in order to make a last-ditch effort to enslave its own people in a soft-totalitarian panopticon surveillance state.And then it will collapse.Diehard nationalists insist it could never happen, but the signs of American collapse are obvious:1. Wealth inequalityAmerican income inequality is growing, too.Higher than the Roman Empire's, in fact.The stats on wealth inequality are crazy. Please read them all.Nevermind the Gilded Age of corporate tyrants like Vanderbilt and Carnegie and Rockefeller — today's billionaires control more wealth and political power than the monopolists of the past could ever have dreamed.And while extreme right-wingers are quick to shout “Communism! Socialism!” they fail to realize we're not advocating central ownership or central control of the economy. That's what billionaires are working on.2. DebtThe numbers are staggering:America has nearly $29 trillion in federal debt.Total consumer debt sits at $14.9 trillion.Half a million American families are systemically forced into bankruptcy every year.Don't listen to those nutty Modern Monetary Theory boosters who think we can pile up debt forever and it will never destroy our society.The bell will toll, and it will toll for us.Don't get me wrong, the MMTers are technically right — we can print money forever. But every unbacked printed dollar erodes trust and purchasing power.When society is built on a literal lie, it's only a matter of time before it falls.3. Economic InstabilityBecause of how hyper-elites have structured the economy, we're stuck with permanent economic instability — insane asset bubbles, followed by massive crashes that hurt those who a.) didn't benefit in the good times, and b.) suffer most in the bad times.While it's never occurred to the corporations who control our countries, people want to live in economically stable places.Because America refuses to deliver on true, long-term economic stability for the majority, it's no wonder we're currently seeing a national strike, and why many of us with the power to do so have already moved overseas.4. Homeownership in CrisisRentership, too.I've been sounding the alarm on this one for a while — people have no idea the tidal wave that's about to shatter the American middle class once and for all.House prices are going to $10 million in our lifetime, and if we don't ban for-profit residential real estate investment and overthrow the corrupt zoning boards that keep young families from building homes they can afford, we will see a houselessness crisis never witnessed before in human history.5. Crony Corporate PoliticsDemocracy, of course, has never existed in America, but the corporate oligarchy now owns Congress lock, stock, and barrel.There's honestly no point in voting unless it's with your money.6. Environmental InstabilityWhen I was younger, my wife and I visited Tikal in Guatemala, the New York City of the pre-Columbian Maya civilization.They destroyed their environment, and then it destroyed them.It's really simple: Nations that don't protect people, wildlife, soil, water, and air eventually go extinct.It's not personal, it's science.As commenter Nikos Papakonstantinou put it:You can't eat, drink, or breathe money.It takes 1,000 years for nature to grow 3cm of topsoil, and America has managed to burn through several feet in the past century.Now, America only has sixty harvests left.(An excellent book on the topic is Empires of Food: Feast, Famine, and the Rise and Fall of Civilization.)7. The Vampire EconomyLet's face it, the American productive economy is dead.Most of the major brands are zombie companies that burn cash and have never been profitable a day in their short-lived corporate lives.Rather than producing products and services of real value, corporate America is just a giant game of extractivism, a dung pile of rent-seeking skimmers who blood-suck time and wealth from the productive poor while contributing nothing of real value:LandlordsBankersStock investorsCrypto speculators who would rather treat Bitcoin as a Ponzi scheme instead of freedom money to stave off abhorrent central bank surveillance currencies.When a nation stops creating real value and starts eating itself like a snake, its days are mathematically numbered.8. Mass HysteriaLooking at you, anti-vaxxers.And Q-Anoners.And cancel culturists.And people who vote for Republicans and Democrats.America is now filled with conspiracy theorists and people who draw the line and refuse to dialogue with people outside of their own box. This signals a total breakdown in personal understanding, civic goodwill, institutional trust, and national unity.9. Screen AddictionThe invention of the smartphone will surely go down in history as one of the most destructive pieces of technology ever invented.Homo sapiens are in no way adapted for the super-stimulus of digital outputs.Between social media, streaming, porn, gaming, and shopping addictions, we're breaking our necks, frying our eyes, and shattering any sense of offline meaning or belonging.Just wait until Gen Z and Gen Alpha are in charge.10. IndividualismAmerica is a culture (from the Latin cultus, where we derive the word “cult”) built on the myth of rugged individualism, of “one for me, and all for me.”It's a dog-eat-dog, survival-of-the-fittest, winner-take-all, loser-dies-in-poverty cult where the rich prey on the poor and the masses suffer so the elites can live a little better a little longer.America is a piece of glass that has been shattered into 331 million shards, each stabbing the next in a frantic fight for survival.Only a hard fire can forge the pieces back together.There are those who believe a Canadian living in Europe shouldn't have the right to comment on America at all, but of course, those people are usually nationalists who fail to see we live in a hyper-connected world where everyone's choices affect everyone else. The failure to understand this is yet another symptom of hyper-individualism.America is a fractured, atomized nation, with each member so hell-bent on self-actualization, obsessed with concocting a singularly unique identity, and blinded by the idea that autonomy and freedom are the same thing.Because the nation cannot fathom it shares one common freedom, it simply cannot surrender any amount of selfhood to the collective, despite the fact that human togetherness is the #1 thing correlated to human happiness.The end isn't the endAll empires fall. It's a non-negotiable. It's just a matter of when, how, and how hard.Collapse doesn't mean disappearance.And it doesn't necessarily mean a total dystopian hellscape like the Book of Eli.But it does mean a loss of global superpower status and all the unfair advantages that came along with it, like currency supremacy and cheap goods. It means a country seriously diminished, greatly impoverished, wracked with crime and disease and exploitation, and subject to the whims of foreign corporatists hell-bent on extraction.You know, like much of the rest of the world.Normally, my articles outline a challenge facing society and offer some proposals for how to fix it. This is one of those rare posts that just points out the macro factors that will lead to the inevitable fall of America.Collapse shouldn't sit well with readers.Everyone needs to be working on solutions. (And yes, peacefully turning the American landmass into a dozen or so new nations is highly preferable to a bloody second civil war.)The goal, of course, shouldn't be to maintain a hyper-violent military empire and coercive global economic grasp on others. It's time for new ideas, and ancient ideas, and real servant-hearted leadership, and working together.We shouldn't mourn the loss of corporate-controlled America as the global superpower. It's a monstrous menace to global freedom and widest-spread wellbeing.Now, does that mean this is China's century?Maybe.They already own America's largest pork producer, and Canada's largest dairy farm, but a third of their domestic economy is a giant real estate bubble that could seriously slow their growth.China's rise to global super-power will all depend on their continued colonization of Africa and their ability to debt-trap the world via their Belt and Road Initiative — practicing capitalism abroad to enforce fake communism at home.Clearly, the world doesn't need or want a conformist culture to dictate global policy. People often say that America is still the world's “best hope for freedom.” But as billions of people who've endured the heavy hammer of the American military-industrial complex can attest, it's simply not true.Modern corporate America doesn't equal hope. No self-centered human institution can ever deliver the freedom that people truly need.Don't worry, America itself isn't going anywhereAfter all, Rome's as gorgeous as ever.And Athens is amazing, albeit under-maintained.America the superpower is waning, but that doesn't mean Concord won't always be a gorgeous place to visit.Texas will probably always be the BBQ capital of the world (or at least until the radical left bans meat or the radical right makes beef-raising an environmental impossibility.)Maybe Canada or Mexico will annex America and finally provide free healthcare to the poor?And if the fifty states decide to split up, which they almost certainly will in time, you never know if a united Maine and New Hampshire might rule a world in desperate need of lumber and freshwater.Or maybe we just don't need superpowers anymore.Maybe it's time for Tinyism and a million little democracies.Either way, the United States of America won't be around to see it happen. Get full access to Surviving Tomorrow at www.surviving-tomorrow.com/subscribe

Hello brothers and sisters, welcome to Future Faith, a podcast, newsletter, and publication about living faithfully in an age of democratic destruction, ecological collapse, and economic irrelevance, available for free on Substack, Spotify, and Apple Podcasts. I'm your host, Jared Brock, and today we're going to discuss ten signs that America is headed for certain collapse.Superpowers aren't impressive.Italy, Greece, Ethiopia, Egypt, Britain, Spain, Portugal; they've all ruled the world for a time before sliding back to just regular-ol'-nation status.Now it's America's turn.The United States is going to collapse.This isn't a fear-mongering statement.Just a fact.Everyone knows it.Whether in five years or fifty, the days of America-as-global-superpower are numbered.In the same way that Rome pulled back its troops from Alexandria in Egypt and the Scottish borders in Britain, the American military-industrial complex will continue the work started in Afghanistan and eventually withdraw its 800 global military bases in order to make a last-ditch effort to enslave its own people in a soft-totalitarian panopticon surveillance state.And then it will collapse.Diehard nationalists insist it could never happen, but the signs of American collapse are obvious:1. Wealth inequalityAmerican income inequality is growing, too.Higher than the Roman Empire's, in fact.The stats on wealth inequality are crazy. Please read them all.Nevermind the Gilded Age of corporate tyrants like Vanderbilt and Carnegie and Rockefeller — today's billionaires control more wealth and political power than the monopolists of the past could ever have dreamed.Christians, of course, live by a different economic policy: From each according to his ability, to each according to his need.And while extreme right-wingers are quick to shout “Communism! Socialism!” they fail to realize we're not advocating central ownership or central control of the economy. That's what billionaires are working on.2. DebtThe numbers are staggering:* America has nearly $29 trillion in federal debt.* Total consumer debt sits at $14.9 trillion.* Half a million American families are systemically forced into bankruptcy every year.Don't listen to those nutty Modern Monetary Theory boosters who think we can pile up debt forever and it will never destroy our society.The bell will toll, and it will toll for us.Don't get me wrong, the MMTers are technically right — we can print money forever. But every unbacked printed dollar erodes trust and purchasing power.When society is built on a literal lie, it's only a matter of time before it falls.Because only the truth can set us free.3. Economic InstabilityBecause of how hyper-elites have structured the economy, we're stuck with permanent economic instability — insane asset bubbles, followed by massive crashes that hurt those who a.) didn't benefit in the good times, and b.) suffer most in the bad times.While it's never occurred to the corporations who control our countries, people want to live in economically stable places.Because America refuses to deliver on true, long-term economic stability for the majority, it's no wonder we're currently seeing a national strike, and why many of us with the power to do so have already moved overseas.4. Homeownership in CrisisRentership, too.I've been sounding the alarm on this one for a while — people have no idea the tidal wave that's about to shatter the American middle class once and for all.House prices are going to $10 million in our lifetime, and if we don't ban for-profit residential real estate investment and overthrow the corrupt zoning boards that keep young families from building homes they can afford, we will see a houselessness crisis never witnessed before in human history. There is a massive opportunity for the real-estate-rich Western church to become a global leader on affordable homeownership, but sadly, the church is asleep at the wheel.5. Crony Corporate PoliticsDemocracy, of course, has never existed in America, but the corporate oligarchy now owns Congress lock, stock, and barrel, including the Federal Reserve which is in charge of the economy.There's honestly no point in voting unless it's with your money.6. Environmental InstabilityWhen I was younger, my wife and I visited Tikal in Guatemala, the New York City of the pre-Columbian Maya civilization.They destroyed their environment, and then it destroyed them.It's really simple: Nations that don't protect people, wildlife, soil, water, and air eventually go extinct.It's not personal, it's science.As commenter Nikos Papakonstantinou put it:You can't eat, drink, or breathe money.It takes 1,000 years for nature to grow 3cm of topsoil, and America has managed to burn through several feet in the past century.Now, America only has sixty harvests left.(An excellent book on the topic is Empires of Food: Feast, Famine, and the Rise and Fall of Civilization.)Some Christians are starting to realize the importance of creation care and the huge opportunities it could afford us to connect with people on their way to God, but sadly, strong leadership has yet to emerge on this front.7. The Vampire EconomyLet's face it, the American productive economy is dead.Most of the major brands are zombie companies that burn cash and have never been profitable a day in their short-lived corporate lives.Rather than producing products and services of real value, corporate America is just a giant game of extractivism, a dung pile of rent-seeking skimmers who blood-suck time and wealth from the productive poor while contributing nothing of real value:* Landlords* Bankers* Stock investors* Crypto speculators who would rather treat Bitcoin as a Ponzi scheme instead of freedom money to stave off abhorrent central bank surveillance currencies.When a nation stops creating real value and starts eating itself like a snake, its days are mathematically numbered.There have been several seasons in history where Christian businesspeople have practiced nobless oblige — the obligation to help those in need, and we certainly need a renaissance of that holy task.8. Mass HysteriaLooking at you, anti-vaxxers.And Q-Anoners.And cancel culturists.And people who vote for Republicans and Democrats.America is now filled with conspiracy theorists and people who draw the line and refuse to dialogue with people outside of their own box. This signals a total breakdown in personal understanding, civic goodwill, institutional trust, and national unity.9. Screen AddictionThe invention of the smartphone will surely go down in history as one of the most destructive pieces of technology ever invented.Homo sapiens are in no way adapted for the super-stimulus of digital outputs.Between social media, streaming, porn, gaming, and shopping addictions, we're breaking our necks, frying our eyes, and shattering any sense of offline meaning or belonging.Just wait until Gen Z and Gen Alpha are in charge.10. IndividualismAmerica is a culture (from the Latin cultus, where we derive the word “cult”) built on the myth of rugged individualism, of “one for me, and all for me.”It's a dog-eat-dog, survival-of-the-fittest, winner-take-all, loser-dies-in-poverty cult where the rich prey on the poor and the masses suffer so the elites can live a little better a little longer.America is a piece of glass that has been shattered into 331 million shards, each stabbing the next in a frantic fight for survival.Only a hard fire can forge the pieces back together.It's quite telling that the period of largest church attendance in history — and the greatest period of peace and wealth and democracy — came out of the ashes of World War II.Naturally, there are those who believe a Canadian living in Europe shouldn't have the right to comment on America at all, but of course, those people are usually nationalists who fail to see we live in a hyper-connected world where everyone's choices affect everyone else. The failure to understand this is yet another symptom of hyper-individualism.America is a fractured, atomized nation, with each member so hell-bent on self-actualization, obsessed with concocting a singularly unique identity, and blinded by the idea that autonomy and freedom are the same thing.Because the nation cannot fathom it shares one common freedom, it simply cannot surrender any amount of selfhood to the collective, despite the fact that human togetherness is the #1 thing correlated to human happiness.God made us for each other.The end isn't the endAll empires fall. It's a non-negotiable. It's just a matter of when, how, and how hard.Collapse doesn't mean disappearance.And it doesn't necessarily mean a total dystopian hellscape like the movie The Book of Eli.But it does mean a loss of global superpower status and all the unfair advantages that came along with it, like currency supremacy and cheap goods. It means a country seriously diminished, greatly impoverished, wracked with crime and disease and exploitation, and subject to the whims of foreign corporatists hell-bent on extraction.You know, like much of the rest of the world.Normally, my articles outline a challenge facing society and offer some proposals for how to fix it. This is one of those rare posts that just points out the macro factors that will lead to the inevitable fall of America, and how Christians simply aren't rising to the task at hand.Collapse shouldn't sit well with Christians, because human beings who are made in the image of God will suffer.Everyone needs to be working on solutions for challenges big and small. (And yes, peacefully turning the American landmass into a dozen or so new nations is highly preferable to a bloody second civil war.)The goal, of course, isn't to maintain a hyper-violent military empire and coercive global economic grasp on others. It's time for new ideas, and extremely ancient ideas, and real servant-hearted leadership, and working together.We shouldn't mourn the loss of corporate-controlled America as the global superpower. It's a monstrous menace to global freedom and widest-spread wellbeing.I remember attending the Catalyst Conference many years ago. Dave Ramsey was speaking, and in a moment of passion he declared, “our allegiance is to the cross, not the flag!” Our small group of Canadians cheered — and we were the only ones in an audience of ten thousand Christian leaders.To Christ-centered people, nation-states are irrelevant. Jesus couldn't have cared less about a legal fiction called Rome. All he cared about was people, and we should do the same.Now, does that mean this is China's century?Maybe.They already own America's largest pork producer, and Canada's largest dairy farm, but a third of their domestic economy is a giant real estate bubble that could seriously slow their growth.China's rise to global super-power will all depend on their continued colonization of Africa and their ability to debt-trap the world via their Belt and Road Initiative — practicing capitalism abroad to enforce fake communism at home.Clearly, the world doesn't need or want a conformist culture to dictate global policy. People often say that America is still the world's “best hope for freedom.” But as billions of people who've endured the heavy hammer of the American military-industrial complex can attest, it's simply not true.Modern corporate America doesn't equal hope. No self-centered human institution can ever deliver the freedom that people truly need. That's why the church of Jesus Christ still is and always will be the hope of the world. 1 Peter 1:25 says that “The word of the Lord will endure forever.” Do you believe it? I certainly do. As Peter said to Jesus, “To whom else shall we go? Only you have the keys to eternal life.”This world belongs to God. America is just a temporary guest in His house.But don't worry, America itself isn't going anywhereAfter all, Rome's as gorgeous as ever.And Athens is amazing, albeit under-maintained.America the superpower is waning, but that doesn't mean Concord Massachusetts won't always be a gorgeous place to visit.And Texas will probably always be the BBQ capital of the world (or at least until the radical left bans meat or the radical right makes beef-raising an environmental impossibility.)And maybe Canada or Mexico will annex America and finally provide free healthcare to the poor?And if the fifty states decide to split up, which they almost certainly will in time, you never know if a united Maine and New Hampshire might rule a world in desperate need of lumber and freshwater.Or maybe we just don't need superpowers anymore.Maybe it's time for Tinyism and a million little democracies. It's certainly time for Christians to start building alternative societies by the thousands, like we did for 1,700 years, places that can give the world a glimpse of the life that is truly life, and the kingdom that is and is to come.Either way, the United States of America won't be around to see it happen.Thanks for listening to Future Faith. If you think this episode is important, please email the link to your friends or share it on social media.We are 100% follower-supported, so if you'd like to help us grow this community, please visit jaredbrock.com. Get full access to Future Faith at jaredbrock.substack.com/subscribe

Not everyone sails off into the retirement sunset on a luxury yacht. More and more seniors are carrying substantial consumer debt into their retirement. These are challenging financial times and if you are carrying debt into your retirement, you are not alone. In this reassuring podcast Licensed Insolvency Trustee Bonnie Hooley with LCTaylor & Associates in Winnipeg, discusses senior debt. She is a beacon of hope for anyone who might be hesitant about seeking help.  Today's topic covers many of the most common debt issues that affect seniors - whether you are thinking about your retirement or you have retired.Common reasons why seniors retire with debtThe effects of filing Bankruptcy as a seniorWhat happens to your debt when you dieAddressing the stigma of debt that keeps seniors from getting helpLicensed Insolvency Trustees are federally regulated and approved by the Canadian government. With their extensive knowledge of financial services, they will give you honest advice and help you find a solution to your debt problem. About Bonnie HooleyBonnie Hooley has worked in the insolvency field for over 40 years. She attained her Licensed Insolvency Trustee license in 1999 and is the Past President of the Manitoba Association of Insolvency and Restructuring Professionals (MAIRP). Over the years, she has served on various boards within her community.Additional Resources LCTaylor - Licensed Insolvency Trustee in Winnipeg | Bankruptcy Trustee CanadaBankruptcy Winnipeg & Bankruptcy Trustee Winnipeg - Bankruptcy ServicesSenior Citizen Debt in Canada | Seniors Debt Management, Relief & Forgiveness

From growth in Lightning Network capacity to outstanding stablecoin supply, a numerical tour.This episode is sponsored by NYDIG.NLW looks at the current state of crypto markets through numbers, including:Bitcoin illiquid supply Lightning Network capacity Evergrande's debtThe total value of CryptoPunks And more-NYDIG, the institutional-grade platform for Bitcoin, is making it possible for thousands of banks who have trusted relationships with hundreds of millions of customers, to offer Bitcoin. Learn more at NYDIG.com/NLW.-“The Breakdown” is written, produced by and features NLW, with editing by Rob Mitchell and additional production support by Eleanor Pahl. Adam B. Levine is our executive producer and our theme music is “Countdown” by Neon Beach. The music you heard today behind our sponsor is “Tidal Wave” by BRASKO. Image credit: Vertigo3d/E+/Getty Images, modified by CoinDesk.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Infrastructure Bill that Couldn't Build a ThingAs the Democrats hurdle towards pushing through a $1.2 trillion dollar "infrastructure" bill, coupled with a $3.5 trillion dollar "human infrastructure" bill, after already spending $1.9 trillion on a covid relief bill earlier this year... We have to take a step back and look at the big picture.https://tv.gab.com/media/611a1381e0ee3bad542b1fd2?viewKey=321ae3f7-b742-4807-b864-afaca9e09136&r=1080pIf Democrats have their way, we're going to spend $6.6 trillion dollars this year. As a reference point, in 2020 the U.S. collected about half that amount in taxes. So where does the rest of the money come from?Our national debt currently sits at $28.6 TRILLION dollars. When numbers get so high, they become arbitrary. So let's give that some perspective: The national debt is more than $220,000 per householdIn 2020, the U.S. GDP was $20.93 trillion - 2/3 of our national debtThe following is from Stephen Moore, a former Trump economic advisor:"This is a scary time for our country. Democrats are drunk with power. They have adopted a new dingbat economic theory they call Modern Monetary Theory, which predicts that the government can borrow from now until kingdom come at ever-larger amounts and nothing bad will happen because we are the world reserve currency and foreigners are willing to lend us money at low-interest rates.Except history is replete with stories of great empires collapsing because of runaway debt and spending. The Modern Monetary Theory principles have been test-driven in more recent times by the Argentines, Venezuelans, Puerto Ricans, Bolivians, Zimbabweans and Greeks. There was no pot of gold at the end of that rainbow — just poverty, despair and bankruptcy."I don't write all of this to scare you. Instead, I want to activate you. There's a showdown coming and I want to make sure you understand what we're fighting for.Republicans plan to use the Debt Ceiling as a tool to stop the spending spree. In order for us to take on more debt (and pass their $3.5 trillion bill), the Debt Ceiling cap has to be raised. Democrats can't do that without Republicans voting for it in the Senate. So the GOP looks like they're going to hold out to kill the $3.5 trillion dollar bill.Democrats and the media are going to tell you it's an assault on our Democracy. Don't listen to them. The stakes are too high.GOP CAN KNEECAP BIDEN'S AGENDA......but instead, they're enabling him.The GOP is on the verge of handing Joe Biden a major win by passing the $1.2 trillion "bipartisan" infrastructure bill, right as his political capital is spiraling down the toilet. If they had the spine, there is a major tool they can use to their advantage: the debt ceiling. The debt ceiling is the amount of money the United States is allowed to borrow. Under the constitution, only Congress can authorize that the debt ceiling be raised. Our debt is currently over $28 trillion dollars.How the GOP can use the debt ceiling: If Democrats want to add more to the debt via the various spending bills they're proposing, Congress would need to raise the debt ceiling. They literally cannot pass more bills that add to the debt, unless the ceiling is raised. And they need 60 votes in the Senate to do that. So 10 GOP Senators would need to be on board. They should use this to their advantage.Former President Trump weighed in over the weekend saying: “Joe Biden's infrastructure bill is a disgrace. If Mitch McConnell was smart, which we've seen no evidence of, he would use the debt ceiling card to negotiate a good infrastructure package.”Not just politics: It's not just about preventing a political win for Biden. From left-wing economist, Larry Summers to Jamie Dimon, the CEO of JP Morgan, they are warning about growing inflation risks. In June [we don't have July data yet], inflation rose by the highest percentage in 30 years. Falling off the edge: This $1.2 trillion infrastructure package, along with the $3.5 trillion liberal wish-list bill the Democrats plan to pass next [without a single GOP vote], will push us over the inflation cliff. I cannot understand why 18 GOP Senators want to be complicit in this. If they pass a bill and inflation takes off, they are on the hook just as much as the Democrats. What's in the bill: To start, it's 2,700 pages long. Here's some of what's in itA plan to add a new tax on drivers by the mileIt would force all new cars to have alcohol monitors installedOnly 15% of the bill, around $175 billion, goes to actual roads, ports, bridges, and even digital infrastructure.Over $100 billion goes to bailing out the highway trust fund.The rest goes to things like subsidies for electric vehicles. Electric vehicle production benefits countries like China, which make the parts that go into these cars.Adding to the debt: The non-partisan Congressional Budget Office just put out an estimate that the bill would add $256 to the national debt. Our country is already $28 trillion dollars in debt. Over the past 18 months, we've continued to add to that debt through massive, trillion-dollar covid-spending bills. We literally cannot afford to keep spending money on left-wing wish-list items.SENATE GOP HANDED BIDEN A BIG WIN, AND SOLD YOU OUT19 Republican Senators voted with all 50 Democrats to pass a $1.2 trillion-dollar slush fund disguised as an 'infrastructure' bill. The bill now moves on to the Democrat-controlled House, where the only chance that it can be derailed is if progressives like AOC make extreme amendments that the 19 Senate cowards won't sign off on. Here's the list of GOP Senators who voted for this bill. If they're your Senator, make sure you question their reasons.Roy Blunt (Mo)Richard Burr (N.C.)Shelley Moore Capito (W.Va.)Bill Cassidy (La)Susan Collins (Maine)Kevin Cramer (N.D.)Mike Crapo (Idaho)Deb Fischer (Neb.)Lindsey Graham (S.C.)Chuck Grassley (Iowa)John Hoeven (N.D.)Mitch McConnell (Ky) Lisa Murkowski (Alaska)Rob Portman (Ohio)James E. Risch (Idaho)Mitt Romney (Utah)Dan Sullivan (Alaska)Thom Tillis (N.C.)Roger F. Wicker (Miss.)Left-wing news outlet Axios is calling it "a massive win for President Biden" as the Senate is headed towards passing a $1.2 trillion dollar infrastructure bill before the weekend. I have one question: Why? Why are Mitch McConnell and the GOP playing ball on this massive spending bill, where less than 15% of the spending goes to ACTUAL INFRASTRUCTURE?Senator Ted Cruz summed up the bill: “This bill is bloated with spending we cannot afford... It is nothing more than a down payment for a liberal wish list.”Call to action: Here's what you can do. Call or e-mail your senator. Tell them you why are they wasting YOUR tax dollars on an "infrastructure" bill that only spends 15% on infrastructure.If Anything Let's focus on two Senators in particular and blow up their phone lines and e-mail inboxes.Remind them that we are fiscal conservatives.Remind them that they are giving a lifeline to a President in free-fall.Remind them that they are about to be complicit in rapidly increasing inflation.Ask them why there is no border wall funding in their "bipartisan" infrastructure bill?Call on them to use the debt ceiling as a tool to stand up for the American people and stop Democrats from dangerously spending our money [and adding to our debt].Mitch McConnell: ☎️ (202) 224-2541

Damola shares her story of immigrating from Nigeria to Texas, United States to study law school. She talks about the struggles of getting a work visa, PR, and how her job as a lawyer was soul sucking. She recently left her job as an attorney where she sued people for debt and started a coaching business to help people navigate their way out of debt.In this episode we talk about:Immigrating to the United StatesBecoming a LawyerDebt in AmericaMedical, student loans, and credit card debtThe intricacies of suing people for their debtMoney mindsets and financial freedomEntrepreneurshipPodcast Resources:Fiverr Affiliate Link: HEREConnect with Damola: HEREConnect with Jenelle Tremblett: HEREConnect with the Podcast: HERE

Children are not getting the financial education in school that they need before they enter adulthood. But there are a few things you can do as a parent to help prepare your children for financial success before they are on their own.In this episode, Jeff Green and Lauren Smith share some tips to help parents get into the mindset of preparing their children before they enter the financial world.Jeff and Lauren discuss: Why your children need to build a credit historyThe importance of teaching your children to have a sense of savingsWhy your children should be aware of good debt and bad debtThe idea of networking to make connectionsAnd more!Resources: The Green Zone: 25. Tech Tools to Make Your Life EasierConnect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren Smith

Children are not getting the financial education in school that they need before they enter adulthood. But there are a few things you can do as a parent to help prepare your children for financial success before they are on their own.In this episode, Jeff Green and Lauren Smith share some tips to help parents get into the mindset of preparing their children before they enter the financial world.Jeff and Lauren discuss: Why your children need to build a credit historyThe importance of teaching your children to have a sense of savingsWhy your children should be aware of good debt and bad debtThe idea of networking to make connectionsAnd more!Resources: The Green Zone: 25. Tech Tools to Make Your Life EasierConnect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren Smith

Have you ever thought about the cost of not starting a private practice? Have you thought about it both in terms of the money you could be earning and also the time you could be spending doing things you love?One reason why SLPs put off starting private practices is that they worry that they need a lot of money for startup costs.In this episode, I am flipping the script and talking about the cost of not starting your private practice.We tend to think about financial costs, but there are also time costs, psychological costs, and emotional costs. I am breaking down each of these!In Today's Episode, We Discuss:The monetary cost of starting a private practiceWhat you do need to pay for to start a private practiceUsing your private practice to speed up the process of paying off debtThe cost associated with telling people noHidden costs of private practiceConsidering what you are missing out onBy saying no and deciding not to get set up, you have lost out on some income that you could have had in your bank account!I want you to commit to starting your private practice now. Stop waiting! You are qualified and I can help you with the business aspect of it.If you want help starting your speech therapy private practice, head on over to www.startyourprivatepractice.com/waitlist . You will be notified as soon as we open the doors again! I cannot wait to help you.If you are not sure if The Start Your Private Practice Program can help you, DM me on Instagram @IndependentClinician to talk about it!Resources Mentioned: www.startyourprivatepractice.com/waitlisthttps://www.instagram.com/independentclinician/Where We Can Connect: Subscribe to the PodcastFollow Me on InstagramFollow Me on Facebook See acast.com/privacy for privacy and opt-out information.

The average American takes a long time to pay off debt, especially student loan debt. These amounts can vary, some people have a few thousand in student loan debt, others have tens of thousands, but what about $521,741 in student debt? Would you be able to pay off over half a million dollars in student loans, all while trying to buy a house and regularly invest? This is exactly what Ty from Debt Ascent did, and he did it quite successfully.Ty is an engineer and his wife is a dentist, so they both are in high-income careers with advanced degrees. Ty makes the argument that their degrees are a good investment, as they’ve been able to make $400,000+ as a couple, years after finishing school. This is a very high income, and with smart money management (as you’ll hear in the show), the high debt can be easily argued as being worth it.You’ll also hear from Ty on the importance of tracking your spending (something both Mindy and Scott have been fans of for a long, long time). Tracking the spending for Ty and his wife made it simple and easy for them to live off of one income alone, while dedicating the other income completely towards paying off debt and setting up other income streams.As of now, they are debt-free, with another $500,000+ in assets! Talk about financial efficiency! In This Episode We CoverWhen student debt is (and isn’t) worth it for a future careerWhy it’s harder for lower-income households to pay off debtThe importance of tracking your spending (via YNAB or manual tracking)Paying for your future self, your current self, and your past selfStaying away from the “two-income trap” And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterMr. Money MustacheYNABBiggerPockets Money Podcast 106 with Megan GormanBiggerPockets Money Podcast 20 with JL CollinsDebt Ascent Net Worth Check the full show notes here: https://www.biggerpockets.com/moneyshow199

So how do you REALLY get better sleep? Joining us in this week's episode of the Less Stressed Life Podcast is Jeff Kahn, Co-Founder & CEO at Rise Science sharing his expertise on getting the benefits of sleep, which not only impact our health but our performance and energy production.Jeff shares her expertise on:The impact of sleep debtThe connection between ATP production (energy) and circadian rhythm Calculating your sleepBrain manipulation of sleepLess Stressed Life is hiring a Podcast Operations Manager! We're looking for an enthusiastic podcast lover to help with all aspects of planning & production of The Less Stressed Life Podcast for health-savvy women. Flexible, remote & room to grow. To apply head to lsljobs.com.Mentioned in this episode:The Oxford Handbook of Sleep and Sleep Disorder by Charles M. Morin and Colin A. Espie   Rise Apphttp://www.drowsinessisredalert.com/Jeff and his Rise Science co-founder were the first to publish research on technology-enabled sleep behavior modification over a decade ago, and have recently completed the largest known study on sleep and real-world job performance across the NFL and sales teams.Jeff's research and work have been featured in The New York Times, Harvard Business Review, and The Wall Street Journal, and on ESPN, NBC, CBS, and Fox Sports. Jeff holds a B.S. in Health Systems Engineering and an M.S. in Engineering Design & Innovation from Northwestern University.Assess your Adrenals, Detox, or Get my Guidechristabiegler.com/linksJoin us on Instagraminstagram.com/anti.inflammatory.nutritionist/Shop our Favoriteschristabiegler.com/shopLoving the podcast? Leave us a review!reviewthispodcast.com/lessstressed

Debt is a pretty polarising concept. Some people love it, and it lures them into a lifestyle they can't afford. Others use it to accelerate their wealth. Others still avoid all forms of debt like the plague. In this episode, Ryan and Terry explore the various properties of debt and how the concept of debt interacts with our psychology and our circumstances.Also in this episode:The two different types of debtThe simple rule of thumb to know whether debt will be painful or usefulWhy and how debt can be a magnifier in the short term, but an accelerator in the long term.The debt quadrant: a simple tool for making informed decisions about debt.The four principles of proper lending: how to avoid financial suicide.Click here for  Show notesClick here for FREE insiders trainingFollow us on Instagram

As is always true with the economy, there is both good and bad news at once.On episode 111 of the CUES Podcast, Steve Rick says some of the good news is that the jobless rate has dropped back to a rate of 6.3%, after spiking to 14.7% at the height of the pandemic shutdown last year.Director and chief economist at CUESolutions Platinum provider for executive benefits CUNA Mutual Group, Madison, Wisconsin, Rick says economists believe that 4.5% is the “long-run natural employment rate” in the U.S. He is forecasting reaching that rate again by the end of 2022.“We do believe we will reach herd immunity, probably by the fourth quarter of this year … where … 75 to 80% of our population has been vaccinated and is … immune,” he says. “So, we're hoping by the end of this year to have the unemployment rate down to 5.5%.”Some of the bad news Rick cites includes the hard hit taken by retail businesses during the government-mandated shutdowns early in 2020. Many stores, restaurants and movie theaters have been severely disrupted or even permanently shut down in what Rick calls a “retail apocalypse.” While those that closed may never reopen, there is a glimmer of hope here, too. In the January retail sales report, Rick says, “We saw sales pick up 5.3% compared to December. Now, that's a huge jump. … if we can compare this January of 2021 … to January 2020 … before the pandemic, we're up 7.4%. Now, that is a huge increase, 7.4% in spending. … So we're actually seeing a nice recovery already.”Rick projects a jump in gross domestic product this year of about 4.5 percentage points. “So we're going to be making 4.5% more stuff, if you will, then we did last year,” he says. “And last year … we dropped 3.5% in the production of goods and services. So, a nice recovery for 2021. “… if we get another $1,400 stimulus check sometime this spring, you know, if President Biden gets his 1.9 trillion stimulus,” he adds, “we could see a really strong economy going into the second half of this year.”The show also gets into:More on the potential impact of any additional federal stimulus checksIdeas about retraining workers to help counteract unemploymentThe huge surge in member depositsThe answer to a question from CUES member Cynthia Ryan, EVP/COO of Connect Credit Union, Fort Lauderdale, Florida, about how to handle the boost in liquidity from the increase in member depositsThe mortgage refi boom and how many loans to sell on the secondary market in these timesThe potential impact of any forgiveness of federal student loan debtThe importance of cost control and managing net interest margin right nowLinks for this show:Email Steve RickCUESolutions Platinum provider for executive benefits CUNA Mutual Group, Madison, WisconsinCU Management magazine’s monthly CFO Focus columnsCUES Advanced Management Program from Cornell UniversityPartial transcript for Episode 111

In this episode Liran Haimovitch, CTO and co-founder of rookout is in conversation with Chitra from PM Power Consulting. Liran shares his experiences onWorking across multiple technologies & roles Having a computer at age 6 and writing programs since then2 impacts from his cybersecurity experience - (1) the importance of understanding software & its complexity (2) doing something beyond just writing codeAging systems, lost design intent, and the most common form of tech debtThe 3 reasons for tech debt and what drives fear in engineersHow he co-founded Rookout, born out of his own frustration trying to understand how software worksThe idea of seeing code live, running in the actual environment to understand whats happening, rather than static codeMaking life easier for software engineers & enabling them to see flow of code How Rookout is helping customers reduce cycle time for new builds & adding new codeInfrastructure complexities of cloud and spinning up 1000's of servicesSimplicity in software engineering & the philosophy on building simple componentsThoughts on starting small & working agile & Ways of working for agile teamsFocusing on creating short, frequent feedback loopsA message for anyone taking up software engineeringLiran is the Co-Founder and CTO of Rookout. He’s an advocate of modern software methodologies like agile, lean, and DevOps. Liran’s passion is to understand how software actually works. When he’s not thinking of code, he’s usually diving or hiking.Social Media Handles:Twitter- @liranlastLinkedIn- https://www.linkedin.com/in/liran-haimovitch-652bba95/This podcast was created on Hubhopper studio. If you wish to start your own podcast for free, visit www.hubhopperstudio.com. Hubhopper is India's leading podcast creation platform. Start your podcast with Hubhopper studio & get your voice heard across platforms like Spotify, Gaana, Google podcasts, Wynk Music and more. Click on the link in the episode description or visit www.hubhopperstudio.com

Rob Moore is the Founder of The Rob Moore Foundation. He is an Entrepreneur, Investor, Prolific Podcaster, Author of 6 Amazon and Audible Bestsellers, and two-time Public Speaking World Record Holder. Rob lives and loves entrepreneurship and property investing, he runs several businesses and is the host of two successful podcasts. He lives up to his brand and disrupts as an entrepreneur, with interests ranging from property development to public speaking and digital media.Let’s dive right into the episode and learn about Rob’s mission to change the way people think about business.Things you will learn in this episode:[00:01 - 06:14] Getting to know RobI Introduce my guest, Rob Moore, to the showRob as an Entrepreneur[06:15 - 13:31] The Disruptive Entrepreneur The concept of being disruptiveReinventing yourselfRob’s Growth MindsetTaking action to create his own brand and shake up the status quoBecoming a multi-millionaire at the age of 30Growing his brand[13:32 - 28:45] Rob’s Journey Rob’s beginnings as an entrepreneurDesire to get out of debtThe quest of desiring moreBeing useful and adding value to other people’s lives and making a global impactFinding the right balance of being selfish and selflessGrowing your business and giving back to societyFinding your destination and deciding you’ve achieved enoughEntrepreneurs hunger for evolution and continuous growth[28:46 - 33:50] Goals and PrinciplesSetting goalsBeing flexible to pivot in the right situationsLiving by a set of guided principles[33:49 - 40:20] The FOCUS FIVE SegmentWhat book have you gifted most often? The Rise and Fall and Rise Again - Gerald RatnerIf you can get an hour of somebody's time and ask questions, who would that be and why?Arnold SchwarzeneggerThe Dalai LamaWhat is one thing you believe that most people would disagree with you:Learning from your mistakesMorning routine; How do you start your day?Wake up around 5 AMGrab coffeePlan and do my strategy for the dayEat breakfastWorkoutWhat is the best place we can connect with you online?See below for Social links Final words from Jeremy and meTweetable Quotes:“It’s important to learn from your mistakes, but I think it’s far better to learn from the mistakes of other people vicariously, so you don’t have to make them yourself.” - Rob Moore“I think it’s better to disrupt yourself, than to be disrupted by the market, a competitor, or a virus. It’s about staying fresh, continually innovating and reinventing yourself.” - Rob Moore“I think now more than ever, the ability to reinvent yourself is vital. A lot of people think that money in the bank or a pension is security, I disagree. I think it’s the ability to be resourceful and reinvent yourself constantly.” - Rob Moore“If you’re wise, you’ll set a lot of goals. And if you’re a proper entrepreneur, you will hit all of them.” - Rob MooreResources mentioned in the episode:Rob Moore FoundationReinvent Yourself - Gerald Ratner with Rob MooreTo learn more, connect with Rob on Instagram and Twitter, or visit his website https://robmoore.com/. Be sure to check out his podcast. LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.Are you working HARD but not really moving the needle on anything? You should check out my POWER LIST and find out how you can get more done to move your business, project, or relationship closer to where you want it to be. Let’s go!To know more about me and all the real estate opportunities you can find, check out my website at Hansstruzyna.com and follow me on Instagram. Get the chance to talk with me for FREE. Set up a call using this link https://calendly.com/h-struzyna/15min See acast.com/privacy for privacy and opt-out information.

In This Episode:Balance sheet lendersSecuritized lendersBridge LoansHow to match the deal to the debtThe pros and cons of each type of debtGuest Info:Mike is the founder and President of Veritas Capital providing debt and equity solutions to multifamily and self-storage acquisitions professionals in the Southeast. He started Veritas Capital in 2018 after leading the debt team for a high-volume mortgage brokerage firm where he lead their originations group focused on multifamily, self-storage, and hospitality lending. Contact Info:Mike's Email: mike@vcap.usMike's LinkedIn: https://www.linkedin.com/in/mikemosher/Resources our Guest Recommends:This interview was recorded before I stared asking my guests for their recommended resources. But reach out to Mike and I'm sure he'll be happy to recommend some business/investing resources!About The Storage Investor Show:This show is about finding, funding, and closing self-storage deals. ACTIVE investors will learn how to close self-storage deals and avoid mistakes. PASSIVE investors will learn how to qualify deals, markets, and self-storage sponsors. Download our self-storage pros and cons guide:https://cornerstonecapre.com/SUBSCRIBE so you don't miss an episode!

This week on Opinions That Don't Matter we find ourselves wandering through the ideas of debt, fancy restaurants, ugly Christmas trees and stolen miniature owls...* California Lockdown / Gavin Newsom / Purple Stage?* White House Covid Briefing… Vaccine update, FDA, Moderna, Pfizer, and Dr. Faucci* Hip Restaurant Names* STK - It’s either stick or steak… I don’t eat sticks* Sqirl? Are they advocating eating them? Who eats squirrels you may ask yourself* Owl Rescued from Rockefeller Center Christmas Tree* https://www.nbcnews.com/news/animal-news/tiny-owl-rescued-rockefeller-center-christmas-tree-travelled-170-miles-n1248166* Canadians like to tell Americans about who in the US is a Canadian* The EMP Museum in Seattle Washington* Jimi Hendrix collection* Where in Michigan are you from? Show me on the hand* Talking about French Culture* Creole Louisiana French impression* The gift of an automobile for Christmas* Dying with a lot of credit.* Kati’s Student Loans* How we built credit as younger people* How we built our business from credit* Talking about DebtThe video version of Opinions That Don't Matterhttps://www.youtube.com/opinionsthatdontmatterAsk Kati Anything! (2nd podcast)audio: https://askkatianything.buzzsprout.com/ Kati TikTok & Twitter @KatimortonInstagram @katimortonSeanTikTok @hatori_seanzoTwitter & Instagram @seansaintlouisBUSINESS EMAIL linnea@toneymedia.com MAIL PO Box #665 1223 Wilshire Blvd. Santa Monica, CA 90403

There are a variety of ways to passively invest in real estate. The different structures that people use and our guest today, Hunter Thompson, has an innovative strategy to take advantage of the real estate market.Hunter is a full-time real estate investor and founder of Asym Capital, a private equity firm based out of Los Angeles, CA. He is the host of the Cash Flow Connections Podcast which is frequently listed in the top 200 investing Podcasts in iTunes. [00:01 – 05:25] Opening SegmentI talk briefly about great values that await you in this episodeI introduce the guest, Hunter ThompsonHunter talks a bit about his background and how he got into investing in real estate [05:26 – 33:31] Various ways to passively invest in real estateHunter talks about the Active approach to investingThe tendency and danger of overallocationHunter talks about the Passive approach to investingInvesting through debtThe joint ventureLP Investing in syndicationsATM BusinessHunter shares his tips on how to reach out and connect to people that are successful [33:32 – 43:24] Closing SegmentQuick break for our sponsorsWhat is the best investment you've ever made other than your education?Investing through debtWhat is the worst investment you ever made?Purchasing non-performing notes with test funds of Family and FriendsWhat is the most important lesson that you've learned in business and investing?It’s important to learn from the success of others and share your own success storyConnect with Hunter. See the links below. Tweetable Quotes:"The first thing that I look at, when I look at most deals, is I wanna see what the debt structure looks like. Because that’s gonna dictate to a large degree whether or not the money is going to be protected.” - Hunter Thompson“If you're a passive investor, you're not exposed to property liability and that drastically changes the risk profile of the real estate investment and you don’t have to worry about that or credit risks.” - Hunter Thompson Resources Mentioned:Cash Flow Connections PodcastYou can connect with Hunter through his website https://asymcapital.com/. Grab a copy of his book at https://www.raisingcapitalforrealestate.com/rcfr.LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.

The Fall of the US Post Office looks at how a disastrous law, bureaucratic mismanagement, and executive overreach have placed the post office in a precarious position.  In this episode, we look at:  The 2006 law that has placed the US Post Office in billions of dollars of debtThe appointment of new Postmaster General Louis DeJoy and his many controversies.The role the post office will play in this year's election due to COVID.The removal of sorting machines across the country including in many pivotal battleground states.The Trump Administration's attempts to politicize the post office.Please subscribe to Next Gen Voter to not miss out on future episodes:https://podcasts.apple.com/us/podcast/next-gen-voter/id1486673177

To invest – or to grow wealth – or to build anything for that matter, you need to get the foundations down right – otherwise whatever you build may need to be torn down. One of the foundations we all need to sort out, and to check periodically, is our own personal financial management skills – this is where we need to delve into the topic of personal finance or money management.If you're self-employed, please check out the other episodes:Wealth -building when you're self-employedFinancial exclusion and the independent earnerMainstream thought around personal finance could somewhat be summed up as follows:- Save yourself wealthy- Aim for 'rich enough'- Don't pursue wealth as much as keeping to your budget.What I’ve observed in my life and especially in the lives of those I work with who’ve done well with money, is that if you want to move to a place above average, shrinking back is not the best strategy – taking ground is.  Often the strategy to  'take ground' can be messy, contrarian, and personal to you . This is something that's hard to cover in detail to any great extent, but it's important to try and not shrink back from the topic, so as to not offend those easily offended.In this episode, I aim to offend members of the cult of frugality, those who strive to repay their mortgage, everyone with a side hustle that involves making jam, and everyone not named Sue. We're covering principles like:Getting a real jobStarting at the endPaying yourself firstThe magical power of giving and receivingGood debt vs bad debtThe magical power of wordsGood buffers, bad buffers, and other peoples' buffersBeing accountableGetting into obscene levels of debt, as fast as you can.Most of what I say you can take seriously in this episode, but some of it is simply to annoy those who take themselves too seriously - hope you enjoy!PS: You may have also noticed, I didn't include 'budgeting' in this episode. Budgeting IS actually very important, but apparently not so important to include here - I promise to cover this somewhat 'sexy' topic in future episodes!____________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________Where to find Darcy Ungaro:Ungaro &Co (authorised) financial advisersWant to chat, then you can schedule in a free 15 min conversation just click on this linkFacebookInstagramLastly, you can also subscribe to our newsletter to ensure you are receiving  the latest updates.

Ashley Kehr married a dairy farmer. With a dairy farm comes farm equipment. And with farm equipment comes farm equipment loans—to the tune of around $169,000.Three years ago, she read Total Money Makeover by Dave Ramsey, and it CHANGED. HER. LIFE.Ashley knew she needed to get rid of their debt, but her husband wasn’t totally on board with the plan. So she tackled her student loan debt first—and proved to her husband that this was the right financial plan for their family.She quit the job she didn’t like and transitioned into property management, which introduced her to her current love of real estate.Real estate started providing a very generous income stream to help supplement her family’s income. When she didn’t have her own money to invest, she partnered with someone who did. When she didn’t have experience to do the project at hand, she partnered with someone who did.Ashley’s story is a delight to listen to. She walks us step by step through the process she took to find these partners, find these properties, and generate this income stream for her family.If you’re thinking about getting into real estate as a source of passive income, this is a must-listen episode!In This Episode We Cover:Ashley's money journeyHow Ashley and her husband accumulate both rental properties and debtThe moment she purchased her first rentalHow her rental income helps her to be more conscious about moneyAshley and her partner's agreement on their investments2 rules to analyze markets for rentalsWhat a portfolio loan is and how to use itAshley's method of recycling her cash to buy more propertiesWhat her lifestyle looks like after reading Dave Ramsey's bookDebt snowball methodHow Ashley managed her various properties with various partnersAnd SO much more!Links from the ShowBiggerPockets ForumsBiggerPockets Real Estate PodcastBiggerPockets Business PodcastBiggerPockets CalculatorsBiggerPockets Podcast 348: Full-Time Job, Full-Time Mom, and Full-Time Wealth From Rentals with Ashley KehrBiggerPockets Money Podcast 20: The Simple Path to Wealth—Index Funds Explained with JL CollinsBiggerPockets Money Facebook GroupBiggerPockets Money Survey

This week we sit down with Bianca DiValerio, a flight attendant who makes an hourly wage, has no college degree, experienced THREE short sales during the economic downturn, and yet is STILL financially independent—all before turning 40.How did she do it?She saved her money. She didn’t spend it on things that didn’t matter to her.There is literally NO secret sauce to her story. In fact, she thought she had her future planned out! She had purchased three rental properties to provide a stream of passive income—only to lose them to short sale when unexpected special assessments of $5,000 each became too much for her to afford.And yet, she saved her money. She didn’t spend it on things that didn’t matter to her.And she dug herself out of the financial hole that the short sale pushed her into. She pulled herself back up and started her nest egg over, saving enough to pay cash for a unit in the same building, so she’d never lose her home again.She’s turned that into a rental, lives in a caboose five months out of the year (yes, a TRAIN CABOOSE), and while she has enough money to never HAVE to work again, she enjoys her job, can literally choose when she works, and is living her best life.Bianca is proof that you can recover from an unplanned financial catastrophe, thrive, and STILL reach financial independence—all before you turn 40. You just have to follow the proven path to financial freedom.In This Episode We Cover:Bianca's journey with moneyHow she avoid on having debtThe problem with not having a college degreeWhat happened after she got her job as a flight attendantHow she got into real estateHer thoughts on investmentThe importance of having cash reservesHer credit score after her three short salesThe moment she came across the FIRE movementHer experience living in a train cabooseReasons to not quit your jobAnd SO much more!Links from the ShowBiggerPockets ForumsBiggerPockets Money Facebook GroupBiggerPockets Money Survey

Jen Hemphill was born in Colombia and lived there for the first eight years of her life. The economy was really bad, and her earliest memories were of a scary time when her educated father did whatever he had to do to make money.Her redheaded dad stood out in Colombia, and it wasn’t a safe place for him to be. So, they moved to the U.S. Jen remembers being embarrassed for not having money, knowing her friends had it.She attended the same college where her mother was a professor. Discounted tuition coupled with scholarships and a bit of parental help allowed her to graduate with no debt. She bought a car, paid it off quickly, and felt very proud of herself for doing so.Then, she met and married her husband. They took 15 years to pay off his $40,000 in student loan debt. She thought they were doing great, but a deeper look at their finances about 10 years in revealed a huge mess.Thinking back to her childhood, she realized she needed to make big changes in order to get ahead. Her family went on a budget, cutting out all unnecessary spending to focus on paying off the debt. Jen uses a series of labeled bank accounts to ensure they stick to their budget and now saves for purchases rather than raiding the emergency fund to pay for things.Jen took what she learned and became an Accredited Financial Counselor, knowing that there are so many others who need to be pointed in the correct direction. She calls herself a Money Confidence Coach, because when you have confidence in your money management skills, you can tackle any problem.In This Episode We Cover:Jen's money storyHow she made money to buy things she likesHer position entering and leaving collegeThe reason why she got a discount on collegeHaving a mindset of being an extremely frugal personHow long it took to pay off her family's debtThe reason why she took a hard look at finances within her marriageHer financial awakeningHer upbringingHer Thrift Savings Plan and emergency fundThe importance of accepting and understanding individual money storiesHaving 15 separate bank accountsWhat her future plans areMoney issues that she sees repeatedly in her clientsExamples of variable expensesAnd SO much more!Links from the ShowBiggerPockets ForumsWaffles on Wednesday: Make Your Own Free Mobile Expense Tracking App in 30 MinutesBiggerPockets Money Facebook PageBiggerPockets Money SurveyCheck the full show notes here: https://www.biggerpockets.com/moneyshow105

Welcome to the Making Margin podcast! Greenway’s team is here to discuss common financial mistakes and to help you navigate them. Meet the voices behind Making Margin:NickAllie  JeffToday’s topic is credit cards. Should you use them? How should they be used? Do they lead to excessive spending and impulse buys?As of February, Americans have over $4 trillion in consumer debtThe average American has a credit card balance of $4,293, according to the latest Experian data.At the same time, credit card interest rates have never been higher. The average card interest rate is currently 17.41 percent, according to CreditCards.com’s latest report. That’s up from 16.15 percent one year earlier and 15.22 percent two years ago.Studies have suggested that people spend 12-18% more when they use credit cards instead of cashMcDonald’s reported that the average ticket is $7 when people use credit cards, $4.50 for cash.Discussion topics:There is nothing inherently wrong with credit cards, but they may lead to impulse buying, which can often lead to discontentment. This doesn’t necessarily mean that you are unhappy with your purchase, but usually that purchase takes money away from an area that would have added more value to your life. Little things can quickly add up to big money.Internet buying makes impulse buying/over spending that much easier. One click versus the hassle of getting to a store.One tip to help with this is to not store your credit card data on any sites; sometimes having to enter it is too much of a burden.Take Away:Choose your credit cards wisely and pay them off each month. If used in this way then they can be a great tool for free money, assuming you can control your spending.Resources:Greenway’s Spending PlanGreenway’s Goal Setting Workbook

In this episode, David interviews author, real estate investor, and business owner of 100 Percent Financed, Juan Pablo. Juan reveals how to use credit cards to buy multi-family properties to grow wealthThings you will learn in this episode:How to convert your credit score into money to purchase income-producing assetsThe two types of business funding optionsHow to access business funding with no collateral, tax returns, or bank statementsThe requirements to access business funding to purchase multi-family investmentsHow to liquidate business credit cardsThe importance of having multiple exit strategies to pay off your good debtThe importance of mentorship and reading books on self-development & increasing your skill setsHow you can access free tools & resources on real estateResources mentioned in this episode:100percentfinanced.comBooks to read:Quit Your Day Job, Juan PabloThink & Grow Rich, Napolean HillRich Dad, Poor Dad, Robert Kiyosaki7 Habits of Highly Successful People, Stephen Covey4 Hour Work Week, Tim FerrissScience of Getting Rich, Wallace WattlesConnect with Juan:100 Percent Financed YouTube channelJuan Pablo (LinkedIn)@100percentfinanced (IG)@people_mentor (Twitter)

When Melissa found out she was pregnant, she was a sophomore in college. Her counselor gave her a pretty alarming statistic: a frighteningly small number of women who get pregnant in college actually end up graduating. Melissa threw herself into her studies, and prepared as much as she could for the birth of her son. And while her plans may have been changed by this unexpected addition, she pushed on and beat the odds - in more ways than one!Not only did Melissa graduate on time, she graduated with a degree in Mechanical Engineering while working an internship in California and attending school in Michigan.Melissa’s story shows that bumps in the road of life do not have to define your path and that financial independence is STILL achievable even if life throws you a curveball.In This Episode We Cover:Melissa's money journeyThree situations that set up her money mindsetWhat her life looks like during her college yearsWhat her school program looks like during her college yearsHow she handles the situation when she got pregnant during her college yearsOn childcareHer goal after collegeAll about her medical debtThe reason why she opens up her 401kWhat her lifestyle looks like and the sacrifice she made to make things possibleOn paying off her debtHow does her situation changed after she got marriedThe moment she discovered the FIRE movementAnd SO much more!Links:BiggerPockets Money Podcast 79: Financial Freedom Through Decades of Hard Work and Hustle with Carol ScottBiggerPockets Money Podcast 82: Early Money Lessons Create Healthy Money Experiences with Aditi ShekarBiggerPockets Money Podcast 35: Hacking Your Life to Live for (Almost) Free with Craig CurelopBiggerPockets Money Podcast 26: Graduating College on Track for Financial Independence with Cody BermanBiggerPockets Money Podcast 22: How to Pay Off 6-Figure Student Loans While Pursuing Financial Independence with Travis HornsbyStudent Loan PlannerSoFiMr. Money MustacheMindy's emailConnect with Melissa:Traveling WalletMelissa's Twitter

Real Brave Selves - with Aime HuttonAime is a true miracle survivor, being born 3 months early was only the start of the challenges Aime has overcome in her lifetime. Hailing from Calgary, Alberta Canada, Aime today as a Girls Empowerment Leader and Trainer is on a mission to have 1 million girls live their real brave selves.She does this by training women to work with girls often covering themes that are not taught in schools. As an international speaker and writer, Aime shares hope, healing, inspiration, and motivation that audiences can also live their real brave selves.Important Topics:Survivor of emotional dating violenceThe importance of forgivenessWhat changed her after she did the big brave thingHer disempowering moment in an abusive relationship and how she moved through thatOn finances and how she paid off her debtThe reason she is on a mission to empower 1 million girls to live their real brave selvesWhat S.A.L.T. meansHow she speaks her truth even if her voice shakesQuotes:"I don't want to hide anymore behind this mask.""Be brave and be bold."Connect with Aime:Website - http://inchbyinchempowerment.com/Email - aime@inchbyinchempowerment.comFacebook - https://www.facebook.com/ibiempowerment/
Twitter - https://twitter.com/ibiempowerment?lang=enOther links and resources:Free Gift from Diane (Life Reset Quiz) - https://liferesetquiz.comBANKCODE - https://MyBankCode.com/VictoryDiane Halfman's website - http://www.DianeHalfman.comWant to know more about yourself?Some people ask me how to RESET their life.Some people ask me how to be more sensual.Others are wondering how to make more money. How to be more successful. How to start a business. All of these questions and more are what I answer in my programs.Come see me at http://www.DianeHalfman.com

Real Brave Selves - with Aime HuttonAime is a true miracle survivor, being born 3 months early was only the start of the challenges Aime has overcome in her lifetime. Hailing from Calgary, Alberta Canada, Aime today as a Girls Empowerment Leader and Trainer is on a mission to have 1 million girls live their real brave selves.She does this by training women to work with girls often covering themes that are not taught in schools. As an international speaker and writer, Aime shares hope, healing, inspiration, and motivation that audiences can also live their real brave selves.Important Topics:Survivor of emotional dating violenceThe importance of forgivenessWhat changed her after she did the big brave thingHer disempowering moment in an abusive relationship and how she moved through thatOn finances and how she paid off her debtThe reason she is on a mission to empower 1 million girls to live their real brave selvesWhat S.A.L.T. meansHow she speaks her truth even if her voice shakesQuotes:"I don't want to hide anymore behind this mask.""Be brave and be bold."Connect with Aime:Website - http://inchbyinchempowerment.com/Email - aime@inchbyinchempowerment.comFacebook - https://www.facebook.com/ibiempowerment/
Twitter - https://twitter.com/ibiempowerment?lang=enOther links and resources:Free Gift from Diane (Life Reset Quiz) - https://liferesetquiz.comBANKCODE - https://MyBankCode.com/VictoryDiane Halfman's website - http://www.DianeHalfman.comWant to know more about yourself?Some people ask me how to RESET their life.Some people ask me how to be more sensual.Others are wondering how to make more money. How to be more successful. How to start a business. All of these questions and more are what I answer in my programs.Come see me at http://www.DianeHalfman.com

In this episode, JC catches up with Adrian Karzon who is a passionate Digital & Technology leader thriving in business facing roles, making the connection between business strategy, digital innovation and technology platforms to deliver success for the organisation.We talk about:His career from accounting to chief technology officer at KidsoftWhy there is a need for balancing features and technical debtThe importance of having a 'customer-first' approach.With experience across large corporates, leading Australian brands as well as green field start-ups, Adrian brings a wealth of experience in the digital and technology space including designing, implementing, developing & improving processes & platforms.He is so much more than just a traditional Information Technology Manager, Adrian is a highly strategic and forward-thinking leader whose passion and drive to succeed has seen him achieve great accomplishments in his career.Adrian enjoys working with all levels of the team, from senior management, to front line team members, he is a natural people person and communicates well. Team growth and development, alongside a positive and inclusive culture are very important to Adrian and he strives to foster his passion and leadership amongst his team.

Americans owe over $1.56 trillion in student loan debt - and that number is rising each year. So, what would you do to get your student loans paid off? Would you do something that seems scary just to wipe away your debt?Today's podcast guest, Grant, and Ally from the new CollegeHumor show, Total Forgiveness, join us to have a lively discussion around student loan debt and the lengths they are willing to go to wave bye-bye to their debt.What You'll LearnHow Grant and Ally came up with the idea for Total ForgivenessHow student loan debt impacts our everyday lifeIs college still a viable optionHow to approach paying off your student loan debtGrant and Ally's money story around student loan debtThe crazy lengths they went to in order to pay down their debtLinksTotal ForgivenessCollegeHumorStudent Loan Debt StatisticsSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!If you loved this episode, don’t forget to share it with your friends on your favorite social channel and tag @shannahgame.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram

Melinda is responsible for the direct and indirect supervision of the Sales Associates, Customer Support Associates, Customer Service Manager, Marketing Manager at Denefits. She's climbed to the top of the food chain through her innovation, creativity, and leadership over her colleagues. She has a knack for customer service and created numerous customer support strategies which continue to increase representative's performances. Now, she's the Vice President of Operations at Denefits, the BEST SaaS tool for medical providers and patients. Tune in for this week's episode of the Garlic Marketing Show and learn why Denefits is increasing medical providers revenue and decreasing the stress of medical bills! What You'll Learn:Why monthly payments are better for your practiceHow to charge more without turning patients awayHow to increase patient-doctor relationshipHow to finance medical procedures without going into debtThe best SaaS tool for medical providers See acast.com/privacy for privacy and opt-out information.

On today’s episode of the BiggerPockets Podcast, we are excited to bring you an interview with a prolific investor (and author of one of the world’s biggest real estate books, HOLD: How to Find, Buy, and Rent Houses for Wealth), Linda McKissack! Linda currently owns 108 single family homes — but she didn’t start out that way. Learn how Linda discovered the power that real estate can have on a lifestyle and the mindset needed to make your dreams a reality. This show will blow you away with Linda’s honesty, integrity, and story of excellence. Don’t miss a second of it!In This Episode We Cover:Who Linda is and how she started investing with huge debtThe size of her portfolioWhy she dropped out of college to become an entrepreneurHow she bought property without money or good creditA look at financing back in the ’80sHow to recession-proof your lifeA discussion on speculation vs. investingHow every market is differentWhat her freedom number isHow to get deals by helping others build wealthPartnerships and whether newbies should seek them outWhy freedom means having optionsThe importance of taking the next step and avoiding analysis paralysisLinda’s formula for finding good dealsHow to figure out the best criteria for youWhat keeps her continuing to invest despite reaching her goalsTips for forming a teamAnd SO much more!Links from the ShowBe a Guest on the PodcastFinding Your “Freedom Number” with Clayton MorrisBooks Mentioned in this ShowHOLD: How to Find, Buy, and Rent Houses for Wealth by Steve ChaderBrandon Turner’s The Book on Investing with No or Low Money DownRich Dad Poor Dad by Robert KiyosakiRich Dad’s CASHFLOW Quadrant by Robert KiyosakiThe ONE Thing by Gary Keller and Jay PapasanBuilding Wealth One House at a Time by John SchaubThe Millionaire Real Estate Investor by Gary KellerThe Book on Rental Property Investing by Brandon TurnerTweetable Topics:“If you do the right activities, the money shows up.” (Tweet This!)“The more money you make, the more options you have and the more good things you can do.” (Tweet This!)Connect with LindaLinda’s BiggerPockets ProfileLinda’s Website

Jayson Gaignaird created an online product business to over 6 million dollars a year. Like many entrepreneurs, he built his business at the expense of his health. Eventually, he realized that money and happiness scale differently, and decided to focus on doing work that lit him up.Growing an online product business to 6 million dollars a yearLooking at success through Maslow's hierarchy of needsWhy money and happiness scale very differently How Jason navigated the challenges of 250,000 dollars in debtThe start of the Mastermind Dinner series The large financial commitment that put Jayson's back against the wallFinding the things that cause you to lose track of timeThe perfect day exercise to help you identify your ideal lifeBuilding your business off of what you want your perfect day to look likeWhy we must take action in the absence of clarity Setting up your day in order to gather small winsThe space between stimulus and response that can determine our freedomWhy Jayson doesn't focus his efforts on building connections with big namesThe ROI of going to higher priced events with influential people Identifying our greatest fears and worst case scenariosWhy Jayson's core goal is to put 100 amazing people in a roomThe mind necessary to take on a very big goalThe power of surrounding yourself with the high caliber individualsViewing everything through the lens of incredible experiencesJayson Gaignaird is the founder talent scout of Mastermind Talks and the host of the #1 Rated Business Podcast, The Early to Rise Podcast. He spends his days sharing value, inspiration, resources, and ideas with fellow entrepreneurs. See acast.com/privacy for privacy and opt-out information.