Podcasts about eliminate debt

Did you know the price of your dinner tonight might be tied to decisions made in the US? Doug and Ted explain the surprising impact of the Canadian dollar on your everyday spending. They'll break down how this affects your wallet, from filling up your gas tank to putting food on the table. Discover the surprising upsides and downsides of our tightly linked economy, and as always, arm yourself with practical tips to manage your debt and build lasting financial security. Tune in to understand the forces shaping your everyday spending! (0:00) – What's happening with the Canadian dollar right now? (3:30) – What makes the Canadian dollar rise and fall? (5:00) – How interest rates affect the Canadian dollar (7:45) – The “reserve” currency and maintaining buying power (8:50) – How currency changes impact the average Canadian (12:00) – How US food and gas prices affect Canadians (14:00) – The pros and cons of connected economies (20:00) – Why are so many things priced in US dollars? (25:00) – The benefits of shopping Canadian (27:30) – Strengthen your finances by managing debt (29:00) – Practical tips to protect your money Trump's 25% Tariffs: Financial Survival Guide for Canadians Myths About Credit Card Debt in Canada How to Eliminate Debt in Ontario Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Debt Repayment Calculator Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized guidance from a qualified financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Debt often gets a bad rap, but what if you could use it to your advantage? This episode unlocks the power of strategic debt! Learn to leverage other people's money, distinguish between good and bad debt, and manage borrowing effectively. Doug and Ted, co-founders of Hoyes Michalos, provide practical strategies for building wealth with debt, including a look at crypto's role. Learn how to make debt work for you, not against you. (0:00) - Using Debt as a Wealth-Building Tool (4:00) - Understanding Leverage and Margin: Risks and Rewards of Investing with Borrowed Money (7:00) - Good Debt vs. Bad Debt: Identify the Difference (15:45) - Building Wealth While in Debt, Is It Possible? (17:30) - Opportunity Cost and Interest Rates (20:00) - The Challenge of Paying Interest While Building Assets (22:40) - Cryptocurrency and Debt: A Viable Investment Strategy? (24:00) - Practical Debt Management Strategies for Wealth Growth (26:30) - Strategic Borrowing: Using Debt for Investments? Myths About Credit Card Debt in Canada How to Eliminate Debt in Ontario Is Another Loan a Good Idea? Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Debt Repayment Calculator  Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Polly lists the ten ways that you can leave your lender!  Listen for the many ways that life can affect your finances in this episode!

As the year winds to a close and we shift our attention to the new year that's about to begin, the next few weeks may be the right time to assess our existing financial situations and consider what new plans we'd like to implement for the following year. For many Americans, one of those plans could be to finally get debt-free.   Links: For a more visual explanation of the debt snowball method watch this short debt snowball explainer video on YouTube Watch our Pay Off Debt: Your Path to Financial Freedom webinar  Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Getting out of debt is a noble goal, one worth pushing towards. If you're feeling the burden of debt, one very effective method can help you pay down that debt and reach financial success. But when it comes to this venture, where does one start? How do you know the plan will be a success? That's what this debt snowball method is for.    In this tip, I'll explain the debt snowball, how to use it to eliminate debt, and share a few additional thoughts to keep in mind while following the plan.   One of the biggest challenges many people face when paying down multiple debts is determining which debts take priority. Do you pay off the oldest debt first? The largest debt first? A certain type of debt first? This often paralyzing decision can make it hard to advance toward the goal. Juggling different bills with varying balances can be tricky to organize, so you need a solid and practical plan to focus on and eventually eliminate debt.    That's where this plan comes in. The debt snowball works by organizing your payoff plan to pay down your lowest debt first, then using that freed-up cash to put towards the next largest balance, and so on.    Start by putting all your debts in order by total balance from smallest to largest. Then focus on making larger payments to the smallest debt while making only the minimum payments on the other ones.   For example: If you have three debt balances, one for $3,000, one for $8,000, and one for $10,000, focus on paying more towards the 3K one and pay just the minimums for the 8k and 10k ones. Keep paying your bills this way until that lowest debt is completely paid off.   With one debt gone and out of the way, take all the money you were paying towards it and now put it towards the $8k one, continuing to pay the minimums on that $10k debt.    Keep doing this until the 8K bill is gone.  Then, put all that freed-up cash from both eliminated debts towards that last 10k debt.    The effectiveness of this strategy is that it increasingly builds your cash contributions towards debt every time one balance is paid. So, by the time you're on that last debt, you're shoveling money at that balance, and it will decrease at a more rapid pace.  For anyone prepping to give this a go, here are a few things to keep in mind when you work your own debt snowball:   This plan works best with a budget. Your debt snowball method won't work if you don't budget. The budget provides a framework that distributes your income in a specific manner. To pay off debt, you need to know how much money you have coming in and going out. It'll also help you determine how much to allocate toward each balance as you build your snowball, putting every free dollar toward your debt.  Get organized and stay organized. Even though you have a budget, keeping all your information organized is essential. Set up dedicated folders in your email for electronic bills or statements, so you know exactly where to go to see them. If you get paper bills, store them in a dedicated folder or envelope so they don't get lost. Also, create a spreadsheet or use a debt payoff app to keep all your balances logged and up to date. It'll also allow you to watch each bill as it gets paid down and eventually eliminated.  Keep your focus with visual reminders. Find a way to keep your goal top of mind. Some people write it on an index card and leave it by a mirror or on a fridge so they'll see it every day. Keep one in your car or on your phone as a constant reminder that you're working towards something important.   Celebrate the small wins. The journey isn't any fun when you can't enjoy the process. When you pay off a debt, celebrate the victory. Find a way to treat yourself for your hard work and accomplishments. Just make sure to keep it within budget.    Be patient. A system like this doesn't work immediately. It takes time and diligence to get rolling. Keep a steady pace and understand that with some time, patience and perseverance you'll reach your goal and look back on the long journey that brought you there.    For a deeper explanation of paying down debt and a visual walkthrough of the debt snowball method, check out our Paying Down Debt webinar and our Debt Snowball Method video clip on our YouTube channel.    If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org, and don't forget to like and follow our Making Money Personal FB page and look for our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.    Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.    Have a great day! 

David García Aceves, born and raised in Guadalajara, Mexico, embodies resilience and innovation. His story traces his journey through building two companies that didn't quite work out before creating a new rocket ship, drawing valuable lessons from his failures. David's latest venture, Digitt, has raised funding from top-tier investors like Clocktower Ventures, Gilgamesh, New Stack Ventures, FJ Labs, and Treville.

Pastor Christina taught part three of our "Can I Speak To The Manager?" Series. In her message "Leaving a Legacy," she teaches about leaving a legacy of generosity by storing up our treasures in heaven. She gave us five ways that we can prepare for legacy:• Talk About Money• Prioritize Values• Set Goals• Eliminate Debt• Make A Plan

YFP Co-Founders Tim Baker and Tim Ulbrich discuss essential negotiation skills inspired by Chris Voss's book Never Split The Difference, covering key strategies to boost your financial plan, mindset, and confidence. Summary In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich have a valuable conversation on negotiation—an essential skill that impacts not only finances but also mindset and confidence. Inspired by Chris Voss's book Never Split The Difference, Tim and Tim explore negotiation techniques drawn from Voss's experience as a former FBI hostage negotiator and break down why negotiation is vital for your financial plan, key goals, and practical strategies for navigating each step.  About Today's Guests Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Your Financial Pharmacist Book a Discovery Call Never Split the Difference: Negotiating as if Your Life Depended on It by Chris Voss SHRM (Society for Human Resource Management) Journal of Experimental Social Psychology YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Tim Ulbrich, YFP CEO, explores five often-overlooked areas of financial planning from credit, tax planning, emergency funds, insurance, and estate planning. Summary YFP CEO Tim Ulbrich dives into five critical—but often overlooked—areas of financial planning that deserve more attention. While these topics might not be as thrilling as investing, making big purchases, or debt reduction, they're essential for a strong financial foundation. Tim covers the importance of: building and maintaining credit; proactive tax planning; establishing an emergency fund; reviewing health, life and disability insurance policies; and estate planning.  Learn how to give these areas the attention they deserve, helping you create a more resilient and well-rounded financial plan. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Episode 380: Understanding and Improving Your Credit IRS Form 1040 (Individual Income Tax Return) YFP 309: Top 10 Tax Blunders Pharmacists Make YFP Blog: Life Insurance for Pharmacists: The Ultimate Guide YFP Blog: Disability Insurance for Pharmacists: The Ultimate Guide Caring.com 2023 Wills and Estate Planning Study Episode 310: Dusting Off the Estate Plan YFP Legacy Folder Checklist YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

Welcome to this week's Money and Investing Show with your hosts Andrew Baxter and Mitch. In this episode, we address the pressing issue of debt, a challenge many are facing in today's economic climate. We'll walk you through five practical steps to help you not only get out of debt but also develop habits to avoid slipping back into it. We kick off by discussing the importance of understanding the root causes of your debt, identifying the difference between good and bad debt, and prioritising your repayments. Consolidation and side hustles are highlighted as effective strategies to manage and reduce your debt load. We also look at common mistakes to steer clear of, such as getting caught in store credit traps and balance transfer pitfalls. Lastly, we stress the importance of changing your spending habits and seeking assistance from financial institutions when needed. Tune in for actionable advice and begin your journey towards financial freedom today. Don't forget to take notes and, most importantly, take action! Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1   FREE Online Training with Andrew Baxter: https://bit.ly/cod-online   Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/   The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/  The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387  

Gathering wisdom from his own journey and those of many other pharmacists, Tim Ulbrich, YFP CEO, shares ten moves that are key in building a strong financial foundation. Summary YFP CEO and Co-Founder, Tim Ulbrich, distills the lessons learned from his own financial journey and from speaking with thousands of pharmacists about their financial plans into a list of ten moves that are key in building a strong financial foundation.  Whether you're just getting started and have the opportunity to build a strong foundation from the beginning or you've been at it for a while and sense the need to reinforce that foundation, this week's episode is for you. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show YFP Financial Fitness Test YFP Podcast 376: From Student Debt to Financial Freedom: How Brandon Paid Off $160k YFP Podcast 375: Breaking New Ground: Emmanuel Ayanjoke's Vision for Altev Community Pharmacy  YFP Podcast 365:Millionaire Theme Hour: From $0 to 7 Figure Pharmacist Rich Dad Poor Dad by Robert Kiyosaki I Will Teach You to Be Rich by Ramit Sethi The Millionaire Next Door by Tom Stanley Money Master the Game by Tony Robbins Seven Figure Pharmacist by Tim Church & Tim Ulbrich Studentaid.gov YFP Toolbox YFP Life Insurance for Pharmacists: The Ultimate Guide YFP Disability Insurance for Pharmacists: The Ultimate Guide The Go-Giver by Bob Burg YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Dr. Lynn Richardson. The popular financial expert Dr. Lynn Richardson returns to the Money Making Conversations Master Class to dispatch another round of financial advice. In this episode, Dr. Lynn explains the significance of building generational wealth in the African American community and how to start investing for your future even if you don't have that much money. She also touches on the importance of having a life insurance policy and discusses ways to start taking control of your financial future while avoiding financial pitfalls. She breaks down how life insurance can be used as an investment and an asset.  Topic Covered How to pick life insurance How to make your life insurance work for you. What are some ideas for getting some extra income? Eliminating debt Increasing income Saving more #AMI #BEST #STRAW  See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Dr. Lynn Richardson. The popular financial expert Dr. Lynn Richardson returns to the Money Making Conversations Master Class to dispatch another round of financial advice. In this episode, Dr. Lynn explains the significance of building generational wealth in the African American community and how to start investing for your future even if you don't have that much money. She also touches on the importance of having a life insurance policy and discusses ways to start taking control of your financial future while avoiding financial pitfalls. She breaks down how life insurance can be used as an investment and an asset.  Topic Covered How to pick life insurance How to make your life insurance work for you. What are some ideas for getting some extra income? Eliminating debt Increasing income Saving more #AMI #BEST #STRAW  See omnystudio.com/listener for privacy information.

The 2024 Pharmacist Authors Series concludes today with Part 3 of 3.  The goal of the series is to inspire you to write a book.    Who is the third author in this series?  It's me (Kim Newlove, RPh/Podcast Host)! Today we're talking about my eBook and audiobook. The title is Pharmacist Podcaster: A Podcast-Planning Guide for Pharmacy Professionals.  It's a 59-page ebook with 12 worksheets. The audiobook is 92 minutes long at 1X speed, and the introduction is included in this episode. I'll tell you what it's about, where you can find it, advice for pharmacist authors, and more.   I also have three guests in this episode.  The first two are my publishers: Dr. Janan Sarwar and Dr. Theary Chhim from Publishing in Doses.  We share a 30-minute conversation.  Then, my third guest is audio engineer Julie Walthers from Whole Story Studio. Our conversation is about 30 minutes as well.  Julie helped me with the audiobook.     Thank you for listening to episode 293 of The Pharmacist's Voice ® Podcast.  If you know someone who would like this episode, please share it with them!   To read the FULL show notes (including all links), visit https://www.thepharmacistsvoice.com/podcast.  Select episode 293.   If you know someone who wants to write a book or narrate an audiobook, please share this episode with them.  Subscribe for all future episodes.  This podcast is on all major podcast players and YouTube.  Some popular podcast player links are below.   Apple Podcasts   https://apple.co/42yqXOG  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt   Bio - Janan Sarwar, PharmD   Janan Sarwar, PharmD is a seasoned publisher and pharmacist with over a decade of experience in the publishing industry. Janan combines her attention to detail, deep knowledge of publishing, and passion for storytelling to empower healthcare providers to share their unique perspectives with the world.   As the co-founder of Publishing in Doses, Janan leverages her extensive background in both pharmacy and publishing to guide clients through the steps of the publishing process. Her goal is to make publishing accessible and rewarding, providing the tools and guidance needed for success in today's competitive market.   Bio - Theary Chhim, PharmD (Theary is the UX/UI designer who did the graphic design and illustrations for my ebook.)   Publishing in Doses Co-Founder | Pharmacist | UX/UI Designer   Meet Theary “Teery” Chhim, a visionary pharmacist turned UX/UI designer with an innate passion for creativity. Theary has always been driven by her artistic instincts. Embracing a career pivot, she merged her healthcare background with her love for design and hasn't looked back since.   As the co-founder of Publishing in Doses, Theary leverages UX/UI design, graphic design, and illustration skills to transform manuscripts into engaging and accessible digital and print experiences, including turning books into business cards.    In addition to her design work, Theary also brings her expertise to life through her graphic design and illustrations, as featured in my eBook. Bio - Julie Gold Walthers Julie is the owner and lead editor of Whole Story Studio, an audiobook post-production company. With a background in both sound engineering and education, Julie combines her experiences working in a Detroit-area recording studio and as a high school English teacher into a fulfilling career editing and producing audiobooks. Julie has worked with Eljin productions for editing and QC, which has included dozens of titles from major publishing companies such as Simon and Schuster, Penguin Random House, and Harper. She has also worked as part of the AppleNews audio stories engineering team. Other clients have included BenBella Books, Chelsea Green Publishing, Blackstone Publishing, and a number of incredible independent authors and narrators. In addition to editing and mastering audiobooks, Whole Story Studio offers producing services to help independent authors navigate the audiobook production process. In her spare time, Julie enjoys running, reading, and cuddling with her old pup Neffi, and two new kitties, Maud and Norman.    Links from this episode Janan Sarwar, PharmD on LinkedIn https://www.linkedin.com/in/janansarwar/  Theary Chhim, PharmD on LinkedIn https://www.linkedin.com/in/thearychhim/  Publishing in Doses https://www.publishingindoses.com/  Julie Gold Walthers on LinkedIn https://www.linkedin.com/in/jgwalthers/  Julie's email: julie@wholestorystudio.com Julie's Facebook: https://www.facebook.com/WholeStoryStudio Instagram: @WholeStoryStudio / https://www.instagram.com/wholestorystudio/ LinkedIn: https://www.linkedin.com/in/jgwalthers/ The Pharmacist's Voice Podcast Episode 222 featuring Julie Gold Walthers Whole Story Studio Steve Leuck, PharmD on LinkedIn https://www.linkedin.com/in/steveleuck/  Steve's Book

Debt Redemption (+1-800-971-4060) makes it easy to explore options to escape the cycle of debt you're in, with customizable plans that can help you resolve debt in as little as 24 to 48 months! Find out more at https://debtredemption.com/ Debt Redemption Texas Debt Relief City: San Antonio Address: 40 NE Interstate 410 Loop, Suite 565 Website: https://debtredemption.com/ Phone: +1 800 971 4060

Explore essential financial topics and practical advice to overcome debt and achieve financial stability. If you're struggling with high-interest debt, considering installment loans, or exploring mortgage refinancing, this compilation video offers valuable tips and actionable advice. Financial expert Doug Hoyes, co-founder of Hoyes Michalos, and his guests provide insights into effective debt management strategies, including the benefits and pitfalls of various financial tools and methods. Discover expert guidance on avoiding high-interest traps, practical steps for debt repayment, and effective strategies for reducing debt. Timestamps: 0:00 Understanding Debt: What You Need To Know 2:55 What Are Installment Loans for Credit Cards? 8:30 Expert Credit Card Advice: Secrets Banks Don't Share 10:45 Variable vs. Fixed Mortgage Rates Explained 11:45 Should You Sell Your House to Eliminate Debt? 16:00 Consumer Proposals: Mortgages and Home Equity 18:40 Considering Refinancing Your Mortgage 20:40 Avoiding High-Interest Debt Traps 21:50 Debt Consolidation Loans: Problems and Pitfalls (feat. Scott Terrio) 24:20 Installment Loans and Payday Lender Risks (feat. Scott Terrio) 28:10 Effective Ways to Start Paying Off Debt - Snowball vs. Avalanche 33:10 What to Do When Debt Repayment Methods Fail   Never miss a practical tip on improving your financial health. Subscribe below where you listen to podcasts: YouTube Apple Spotify Podbay Deezer Amazon Music Resources: Credit Card Debt Consolidation in Canada: What You Need to Know Dealing With Debt Living Paycheque to Paycheque Consumer Proposal FAQ's Answered Hoyes, Michalos and Associates YouTube Channel How To Deal With Higher Interest Rates When Debt Consolidation Doesn't Go As Planned Rising Interest Rates And Debt: What Can You Do? Special Thanks: Scott Terrio - Manager, Consumer Insolvency at Hoyes Michalos https://ca.linkedin.com/in/scott-terrio Disclaimer The information provided in the Debt Free in 30 podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Tim Ulbrich, YFP Co-Founder and CEO shares five wealth-building strategies to include in your own financial plan. Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO, shares five wealth-building strategies you can incorporate into your own financial plan. Drawing from his own financial journey, these strategies have been tested, refined, and used by Tim and his wife, Jess. From setting savings goals to tracking net worth monthly to increasing your financial IQ, Tim makes setting up your financial path for success more attainable. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Toolbox: https://yourfinancialpharmacist.com/toolbox  YFP Planning The Millionaire Next Door by Tom Stanley YFP Compound Interest Calculator YFP Podcast Episode 351: Legacy Planning 101: How to Build Your Legacy Folder and Why It's Important The Compound Effect by Darren Hardy YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

This is the first of our new “Jumpstart Your Wealth” series to help first-time home buyers and investors jumpstart their real estate experience. And the first topic we'd like to address is “Getting Out of Debt.”  We had an amazing husband-and-wife team on the show last year to talk about their efforts to eliminate debt and get into real estate, so we're reposting that interview as the first Jumpstart episode.   Meet Ali & Josh Lupo, better known as “The FI Couple.” The FI stands for “financial independence” which they have now obtained. But in this interview you'll hear what they were up against and how they restructured their financial world to fix that problem and gain financial independence. If you listened to it before, it's worth listening to again! It's THAT good!   Ali & Josh talk about their humble beginnings as college students pursuing degrees in social service and a wedding that provided a big wake-up call about their finances. It was bad. They had a whole lot of debt and knew they had to do something about it. You'll get all the details in this interview along with another important part of their strategy – to make sure they have a shared vision and goals.   You may have seen them on social media. They love to share their experiences on Instagram as The FI Couple and have amassed a huge following. Once you are enchanted by them in this interview, you can find out more at their website www.theficouple.com or @theficouple on Instagram.    My hubby and partner, Rich Fettke, is co-host in this episode. He is a long-time coach who loves to help people realize their dreams and live their best lives. He recently published a book called “The Wise Investor” that also offers lessons about money management and financial freedom. Check it out at Amazon!    Thanks for listening! Kathy Fettke   LINKS: ~~~~ JOIN RealWealth® FOR FREE

Welcome to part 2 of 3 in the 2024 Pharmacist Authors Series! The goal of the series is to inspire you to write your first book.     Dr. Helen Sairany is my guest.  She is an expert on trauma.  As we discuss her book, The We you Don't See:  Understanding the Long Shadows of Trauma, she shares the following:   Her background as a trauma survivor Why she wrote The We you Don't See: Understanding the Long Shadows of Trauma What the book is about Her target audience When to read the book What she wants you to do with the information [after you read the last page] Where you can buy the book Advice for pharmacist authors   During our interview, Helen also reads two excerpts from the book.     Bio - written by Helen Sairany, PharmD (July 2024)   As a 7-year-old Kurdish child in Iraq, a country torn by war and conflict, I was spotted by a U.S. Marine deployed to my country with a grenade in my hand, who saved my life by exchanging the grenade for a bag of candy. He later escorted my family and I out of war to seek refuge in the U.S.   Because of my turbulent childhood, I was diagnosed with complex PTSD in 2013. Thus, I aspire to live in a world where the vast majority are trauma-informed, feel psychologically safe and valued for the work they put out, and return home fulfilled.   Since the outbreak of the COVID-19 pandemic began, I have been open about my dormant childhood trauma. I have been traveling worldwide to give talks on topics such as trauma-informed care, leadership, and the workforce.    After having traveled to more than 100 countries worldwide, I developed an appreciation for the diverse mix of cultures, people, and traditions.    My interest in trauma stems from personal experiences of living through wars, navigating complex relationships, and continually learning what it means to be human.   Thank you for listening to episode 288 of The Pharmacist's Voice ® Podcast.   To read the FULL show notes (including all links), visit https://www.thepharmacistsvoice.com/podcast.  Select episode 288.   If you know someone who wants to write a book or needs to learn about trauma, please share this episode with them.  Subscribe for all future episodes.  This podcast is on all major podcast players and YouTube.  Some popular podcast player links are below.   Apple Podcasts   https://apple.co/42yqXOG  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt   Links from this episode Helen's website/newsletter/programs - https://helensairany.com/  Helen Sairany, PharmD on LinkedIn https://www.linkedin.com/in/helen-sairany/  Helen's Instagram Page: https://www.instagram.com/dr_sairany/  The We You Don't See:  Understanding the Long Shadows of Trauma by Dr. Helen Sairany

Strategies to Eliminate Debt and Supercharge Your Retirement Finances

The Pharmacist Authors Series is back!  One episode/month will be published in June, July, and August 2024.  Are you a pharmacist?  Do you need some inspiration to write a book?  Listen to this year's Pharmacist Authors Series! Dr. Steve Leuck is my guest today.  In this episode, Steve talks about his book A Pharmacist's Story:  An authentic tale of true love, family, addiction, and the practice of pharmacy.  Our conversation covers addiction, recovery, family, the practice of pharmacy, why he wrote the book, who should read it, where you can buy it, and more.     Thank you for listening to episode 282 of The Pharmacist's Voice ® Podcast.   To read the FULL show notes (including all links), visit https://www.thepharmacistsvoice.com/podcast.  Select episode 282.   If you know someone who wants to write a book, please share this episode with them.  Subscribe for all future episodes.  This podcast is on all major podcast players and YouTube.  Some popular podcast player links are below.   Apple Podcasts   https://apple.co/42yqXOG  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt   In July, Dr. Helen Sairany will talk about her second book:  The We You Don't See:  Understanding the Long Shadows of Trauma.  During the interview, Dr. Sairany explains why she wrote the book, her target audience, what she wants her readers to do with the information in the book, and more.     In August, Dr. Janan Sarwar and Dr. Theary Chhim from Publishing in Doses will be on the show to talk about the ebook/audiobook combo they are helping me publish this summer.  It's called Pharmacist Podcaster.  Both the ebook and the audiobook are a lead magnet for the podcast planning service I offer through The Pharmacist's Voice.  I'm working on setting up the newsletter and automations that will offer the ebook and audiobook this summer.  Want to write a book?  Need a publisher?  Listen to this episode in August 2024 to learn how Publishing in Doses can help you too.   Steve Leuck, PharmD Bio (June 2024) After graduating University of the Pacific school of pharmacy in 1987, Steve began his practice in a local community hospital pharmacy where he stayed for the 8 years. For the following 18 months, Steve completed a 28-day drug and alcohol treatment program, worked through licensing stipulations with the board of pharmacy, and attended a yearlong course of study to become a certified addiction counselor.  Steve successfully transitioned back to pharmacy where he worked the next 25 years in a clinic pharmacy for a local community hospital. During this time, Steve developed and implemented a bedside education and meds-to-bed program in order to help educate patients as well as assure they acquired their new medications upon discharge from the hospital. Throughout this time, Steve founded and developed AudibleRx; an internet-based patient medication education platform designed specifically for those challenged with literacy or visual impairment. In 2023, AudibleRx was donated to a medical information based non-profit organization. After nearly 33 years of practice with the same institution, Steve retired and took a half-time position for another hospital which allows him time to travel with his wife, ride his bike through the Santa Cruz mountains, and write. Links from this episode Steve Leuck, PharmD on LinkedIn https://www.linkedin.com/in/steveleuck/  Steve's Book

Do you understand your net worth, and how to build it in order to create true financial freedom? My guest today is here to help! Allegra Brantly is the CEO + founder of Factora, a financial education company + community with the mission to lead 1 million women to over $1 million in net worth. We're taking the taboo out of talking about money, and breaking down the most important numbers you need to know in order to build wealth, as well as the mindset shifts to help you eliminate debt and create freedom. You'll hear some of Allegra's biggest money failures, and her journey from living in debt to creating a net worth of over $1 million (spoiler alert: anyone can achieve this if they follow a few simple steps!) HIGHLIGHTS 02:30 How to calculate your net worth, investment rate, + other wealth factors. 08:25 Three ways to turn negative net worth into over six figures. 13:45 What are the main asset classes to build wealth? 17:35 The difference between financial freedom + financial flexibility. 20:45 Why is it important to normalize talking about money and sharing our failures? 27:25 How to build a healthier money mindset + avoid overwhelm. 35:45 Celebrating Allegra choosing service over ego. RESOURCES + LINKS Grab your ticket for the 2024 Powerhouse Women Event August 9-10th in Scottsdale! powerhousewomenevent.com Click HERE to text the word MENTOR to (602) 536-7829 for weekly business + mindset tips delivered straight to your phone! Powerhouse Women is a COMMUNITY and YOU are part of it! Take a screenshot of this episode and tag us on Instagram so we can keep the conversation going and create more of the episodes you need! FOLLOW Factora Wealth: @factora_wealth Learn more about the Factora Wealth Circle: https://www.factorawealth.com/wealth-circle Powerhouse Women: @powerhouse_women Lindsey: @llindseyschwartz Visit the Powerhouse Women website: powerhousewomen.co Join the PW Community Facebook Group: facebook.com/groups/powerhousewomencommunity

Tim Ulbrich, PharmD (YFP Co-Founder & CEO) covers five questions that you should ask related to your emergency fund to determine whether or not it is adequately funded and optimized.  This episode is brought to you by First Horizon. Summary This week we're diving deep into a financial fundamental that often flies under the radar: the emergency fund, also known as the rainy day fund. Saving for unexpected expenses isn't easy. It requires discipline, patience, and a leap of faith to stash away money for something you can't predict. Especially when other financial goals, like paying off debt or investing, are competing for your attention. In this week's episode, we explore why having an emergency fund is crucial. From unexpected medical bills to home repairs or sudden job loss, life throws curveballs when we least expect it. But having a well-stocked emergency fund isn't just about having the dollars to cover these surprises; it's about gaining peace of mind and confidence. Join host, Tim Ulbrich, PharmD, as he covers 5 questions you should ask related to emergency fund to determine whether or not it is adequately funded and optimized.  Remember, when life throws you a curveball, your emergency fund will be there to catch you.  About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Your Financial Pharmacist First Horizon Pharmacist Home Loan YFP+ Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Disclaimer

Tim Ulbrich, PharmD (YFP Co-Founder & CEO) digs into how to successfully navigate finances with your partner and shares 25 questions you can use to frame conversations around money.   This episode is brought to you by First Horizon. Summary On this episode, we're talking about love and money! Discussing finances with your spouse, partner or significant other can be tricky sometimes. Tim Ulbrich shares 25 financial discussion questions to help you navigate these important conversations along with a free resource you can download to help get you started. From reflecting on your “money classroom” and the way you were raised to understand money to how you feel about debt, savings, and other important goals, Tim guides you through these important conversations. There is no one-size-fits all to managing finances in a relationship - but sharing the same vision and goals with your partner can set you up for success. This episode is brought to you by First Horizon. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Money Couple Money Personality Assessment 25 Financial Discussions for Partners I Will Teach You to Be Rich by Ramit Sethi Learn more about YFP Planning First Horizon Pharmacist Home Loan YFP+ Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Disclaimer

Sponsored by YFP+, YFP Co-Founder Tim Ulbrich shares five key elements for building a strong financial foundation after graduation. Summary On this episode sponsored by YFP+, host Tim Ulbrich outlines five key elements for building a strong financial foundation. Whether you are a pharmacy student looking ahead, a soon to be 2024 graduate, or a resident, fellow, or new practitioner trying to find solid financial footing, Tim shares what it means to build a strong financial foundation, no matter where you are in your career.   With the average pharmacist facing staggering student loan debt and often lacking financial knowledge, Tim shares practical strategies to help pharmacists to begin to navigate debt management, investing, insurance coverage and retirement planning. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show YFP+ YFP Gives Scholarship April 25, 2024 YFP Home Buying Webinar YFP Budget Template YFP Financial Fitness Test YFP Podcast Episode 165: The Power of a Health Savings Account (HSA) YFP Blog: Why I'm Not Using My Health Savings Account to Pay for Medical Expenses YFP Podcast Episode 272: How Much is Enough (Retirement Planning) YFP Planning Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Disclaimer    

In this conversation, Brennan shares the eight things he did to escape the rat race. He was motivated to make a change after witnessing his boss prioritize work over family. The chapters cover various aspects of achieving financial independence and living a fulfilling life. Brennan emphasizes the importance of surrounding oneself with the right people, setting clear goals, partnering with a supportive spouse, being committed and willing to make sacrifices, eliminating debt, saving a significant portion of income, building a community of like-minded individuals, and finding a meaningful mission beyond financial success. Takeaways Surround yourself with people who inspire and align with your goals. Set clear and specific goals, and write them down. Choose a supportive partner who shares your vision. Be committed and willing to make sacrifices to achieve your goals. Eliminate debt to gain financial freedom. Save at least 20% of your income for future goals. Build a community of like-minded individuals who support and motivate you. Find a meaningful mission that goes beyond financial success.   Chapters:  00:00Introduction and Motivation 03:25Chapter 1: Stop Listening to the Wrong People 06:19Chapter 2: Get Clear on Your Goals 07:14Chapter 3: Partner with the Right Person 09:10Chapter 4: Be Willing to Do Whatever It Takes 13:24Chapter 5: Eliminate Debt 14:50Chapter 6: Save at Least 20% of Your Income 16:44Chapter 7: Build Community 17:38Chapter 8: Find Your Mission

Tim Ulbrich discusses the importance of creating a legacy folder to organize essential financial documents for access during emergencies and peace of mind. Summary In this episode, YFP Founder and CEO, Tim Ulbrich, delves into the critical aspect of establishing a "legacy folder" to efficiently organize essential financial documents and accounts. This folder serves as a vital resource in emergencies, streamlining access for loved ones and averting confusion or delays. Drawing from personal experience, Ulbrich shares how he and his wife maintain their financial plan and essential documents in a shared electronic folder and a secure physical safe at home, ensuring accessibility and peace of mind during unforeseen circumstances. Tim explores the contents of the legacy folder, which encompass a comprehensive checklist, electronic copies, and hard copies of vital papers such as birth certificates and social security cards and other critical documents like insurance policies and estate planning materials. Learn how to proactively organize your financial affairs to safeguard against unforeseen events, ultimately fostering financial peace of mind and security. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show YFP Legacy Folder Checklist YFP 222:Why Estate Planning is Such an Important Part of the Financial Plan YFP 310: Dusting Off Your Estate Plan  YFP Net Worth Tracking Sheet The Millionaire Next Door by Tom Stanley Check your Social Security Statements  Financial Peace University Subscribe to the YFP Newsletter YFP Planning Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

This week we had the opportunity to interview Adam Carroll, a leading voice and educator in financial literacy. Adam has decades of experience working with families and business owners who are interested in creating massive efficiencies when it comes to their income and wealth building capacity. Adam Carroll has spent 15 years helping people do more with the money they make. He focuses on the importance of liquidity, hammering away debt, making your money work for you, and compound interest.He is an author of three Amazon best-sellers, a two-time TED talk speaker with over 6 million views on YouTube and TED.com, and is the creator of the Broke, Busted & Disgusted documentary which aired on CNBC and is shown in hundreds of high schools and colleges across the country.Adam is also the host of the Build A Bigger Life podcast, the curator of MasteryOfMoney.com and the founder of The Shred Method™. We spend most of our time talking about The Shred Method and how this fintech tool that Adam created can help people eliminate debt such as mortgages and student loans at a rapid pace.As a quick preview, this is a strategy is where one deposits their discretionary income into a home equity line of credit (HELOC) and makes strategic payments based on an custom algorithm allowing them to dramatically cut down their debt payoff time horizon. If your interest is piqued, stick around for the entire interview where Adam goes in depth on how this process works and how it allowed him to payoff his mortgage twice!

In this podcast episode, financial educator Adam Carroll shared insights on slashing debt and building wealth outside of your cabinet shop. Adam is the financial wizard behind "The Shred Method," whose viral TED Talk has accumulated 6.2 million views!  Discover how he turned his financial life around in just 26 months and learn why money problems often stem from a bad mindset. Get ready to challenge conventional debt beliefs, embrace strategic financial planning, and unleash the power of "The Shred Method." No need to pinch pennies or sacrifice the joy of life – it's about being smart with your money. Don't miss out on this transformative episode!

Tim Ulbrich shares the importance of setting a budget for achieving your financial goals and five steps to help you get started. Summary In this week's episode, we learn all about one of the key first steps to mastering your money: creating a budget. You'll learn how to implement a budgeting system that not only works, but is also enjoyable. Tim Ulbrich, YFP Founder and CEO shares a practical five-step process to help you get started. A budget isn't a restrictive tool, but an important instrument that can empower you on your journey toward financial well-being and help align your money with your vision for a rich and fulfilling life. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Your Financial Pharmacist Financial Fitness Test YFP Budget Template Budgeting Blueprint Webinar YFP 341: 5 Financial Moves to Make in 2024 The Millionaire Next Door by Dr. Thomas Stanley Subscribe to the YFP Newsletter YFP Planning Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

Tim Ulbrich reviews seven impactful finance books he recommends for both seasoned investors and beginners to gain strategies and inspiration for success. Summary In this episode, Tim Ulbrich continues the discussion from Episode 341 on "5 Financial Moves to Make in 2024." The fifth "move" was about "setting a plan for your personal finance learning," and this week, Tim dives into seven personal finance books that have profoundly influenced his financial journey. With no particular order in mind, Tim shares insights from each book and how he has implemented key takeaways into his own financial plan. You can find links to all these recommended books in the show notes. Tim emphasizes that these are not just any books – they are ones he frequently recommends or gifts to others, and they have played a crucial role in his and his wife, Jess',  journey towards achieving financial freedom. Whether you're a seasoned investor or just starting on your financial journey, these books are a must-read (or re-read) in 2024. Tune in for valuable insights and inspiration to help you pave your way to financial success! About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show YFP 341: 5 Financial Moves to Make in 2024 YFP 200: An Interview with Sarah Fallaw of The Next Millionaire Next Door I Will Teach You To Be Rich by Ramit Sethi  Die with Zero by Bill Perkins Rich Dad, Poor Dad by Robert Kiyosaki Tax Free Wealth by Tom Wheelwright The Millionaire Next Door by Dr. Thomas Stanley The Next Millionaire Next Door by Dr. Sarah Stanley Fallaw The Compound Effect by Darren Hardy The Total Money Makeover by Dave Ramsey Happy Money: The Science of Happier Spending by Elizabeth Dunn and Michael Norton Subscribe to the YFP Newsletter YFP Planning Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

Tim Ulbrich, YFP CEO, shares 5 key moves for financial success, emphasizing automation, proactive tax planning, document organization, and continuous learning. Summary In the first episode of the New Year, YFP CEO and financial educator, Tim Ulbrich, unveils a financial roadmap for 2024, emphasizing five key moves for achieving financial success and living a rich life. Tim highlights the pivotal role of automation in financial planning, proactive tax planning, the importance of organizing financial documents and the significance of continuous learning. He shares his personal financial goals and the systems he uses to organize and prioritize his financial goals. Tune in to gain insights and actionable steps for mastering your finances in 2024. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio StateUniversity College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show January 8th webinar YFP Bonus Episode: How A Couple Left Their Careers to Travel the World YFP 079: Is It Time to Redefine Retirement w/ Nick Ornella IRS Form 1040 (2023) YFP 309: Top 10 Tax Blunders Pharmacists Make YFP Tax Subscribe to the YFP Newsletter I Will Teach You To Be Rich by Ramit Sethi Financial Peace University Ally Banking YFP Disclaimer Tim Ulbrich on LinkedIn

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#088 - In this episode, Mayra shares how to effectively eliminate debt! It takes more than budgeting, it also requires strategy! Imagine a life where every paycheck stays in your pocket. It's possible! Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at https://www.instagram.com/debtfree.latina/

#088 - In this episode, Mayra shares how to effectively eliminate debt! It takes more than budgeting, it also requires strategy! Imagine a life where every paycheck stays in your pocket. It's possible! Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at https://www.instagram.com/debtfree.latina/

TPV Episode 235:  Pharmacist Authors Series Wrap-Up (Summer 2023) 15 episodes went by fast!  The Pharmacist Authors Series was my 2023 summer project.  Some take-aways: I liked the series so much that I want to do it again. Hearing pharmacist authors share samples of their books was awesome! The pharmacist authors liked the series too. You may have found/read a book from this series. You may have been inspired to write a book too. You may have connected with a pharmacist author and/or followed them on social media. Behind the scenes info:  

Next up on my Pharmacist Authors Series is Tim Ulbrich, PharmD.  Today, we're discussing Seven Figure Pharmacist:  How to Maximize Your Income, Eliminate Debt, and Create Wealth by Tim Church, PharmD and Tim Ulbrich, PharmD.     This episode includes a bonus at the end.  Tim Ulbrich narrated a sample of Seven Figure Pharmacist.  Enjoy! Please share this episode with others, especially pharmacists and student pharmacists.  Thank you for listening to episode 233 of The Pharmacist's Voice ® Podcast! To read the FULL show notes, visit https://www.thepharmacistsvoice.com/podcast.  Select episode 233. Subscribe to or follow The Pharmacist's Voice ® Podcast to get each new episode delivered to your podcast player and YouTube every time a new one comes out!   Apple Podcasts   https://apple.co/42yqXOG  Google Podcasts  https://bit.ly/3J19bws  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt Bio, Tim Ulbrich, PharmD (Spring 2023) Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 100+ organizations to provide personal finance education.  Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master's in Health-System Pharmacy Administration Program.  Tim is the co-author of Seven Figure Pharmacist and host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. He has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. 

In this episode of Money Talkies, once again we're speaking to Jennifer Streaks. Jennifer is a Senior Personal Finance Reporter and Spokesperson for the Personal Finance vertical at Business Insider. She started her career covering personal finance at Black Enterprise Magazine, went on to CNBC where she covered personal finance, women and money and tech and then Forbes, where she reported on personal finance, business, tech and money matters related to the economy, investing, credit and entrepreneurship. Jennifer is also the author of Thrive!...Affordably: Your Month to Month Guide to living your Best Life without breaking the bank. And today Jennifer will be talking to us about how we can eliminate debt and save for the summer. Let's find out! And if you want to upgrade your money mindset, then click on the link https://www.millionairefoundations.com/ and watch my free training. Connect with Jennifer here: LinkedIn: https://www.linkedin.com/in/streaksesq/ Facebook: https://www.facebook.com/jstreaks/ Twitter: https://twitter.com/jstreaks Instagram: https://www.instagram.com/jstreaks/ Business Insider: https://www.businessinsider.com/author/jennifer-streaks Ready to rewrite your money story? Register to my Five Day Millionaire Mindset Makeover Workshop here: https://www.abundancemindsetmakeover.com/ Visit our website for more information: http://gullkhan.com/

On this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney, discuss retirement planning and demystify the "right amount of money to retire" expectation.How much money do you really need to retire comfortably? It's a tough question to answer, and the truth is, there isn't a one-size-fits-all solution. Join us in this episode as we explore the factors determining each individual's unique retirement needs, why online retirement calculators can't provide a blanket response, and how evaluating your expenses and time left before retirement can clarify your financial planning.We also dive into financial strategies to help you achieve your retirement goals, such as freeing up cash flow and saving mortgage interest. Learn how to use the mortgage payoff calculator to maximize the benefits of low mortgage rates and ensure you have a solid emergency reserve in place. Plus, discover the critical importance of maintaining two years' worth of expenses in a cash account during retirement.Finally, we break down the 4% rule as a starting point in calculating your retirement needs, taking into account expenses, income sources, and taxes. Unveil the impact of inflation and learn how to properly account for it, as well as the importance of grossing up for taxes when using the 4% rule. Listen in as we share our insights on using conservative numbers and considering various factors such as market performance when planning for your golden years.Podcast Episodes Referenced:- Ep 158: How much can you spend in retirement?- Ep 115: What Could Happen if You Don't Prepare for RetirementYouTube Videos Referenced:-  How much money is enough to retire?Other Links:- https://wiserinvestor.com/mortgage-payoff-calculator/- https://wiserinvestor.com/budget-calculator/ Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"Click here to schedule a consultation with one of our financial advisors.Connect With Us:Our WebsiteYouTubeFacebookLinkedInInstagramTwitterPodcastBlog This podcast was produced by Wiser Wealth Management. Thanks for listening!

Welcome to episode 6 of 15 in my Pharmacist Authors Series!  My guest is Tony Guerra, PharmD.  Join us as we discuss his Pharmacist Residency and Career Series (8 books).  Stay tuned until the VERY end of the episode to hear Tony narrate a sample from Book 1 in the series.   Thank you for listening to episode 225 of The Pharmacist's Voice ® Podcast! To read the FULL show notes, visit https://www.thepharmacistsvoice.com/podcast.  Click on episode 225. Subscribe to or follow The Pharmacist's Voice ® Podcast to get each episode delivered to your podcast player and YouTube each time a new one comes out.   Apple Podcasts   https://apple.co/42yqXOG  Google Podcasts  https://bit.ly/3J19bws  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt Bio  Tony Guerra, PharmD, originally from the Baltimore-Washington corridor, has combined creative writing work with his experience to author over 30 books.  He's either written and/or produced books in four major categories, pharmacology, pharmacotherapy, career/residency, and professional school admissions and interviews. He has taught college pharmacology and chemistry for over a decade and a half and lives in Ankeny, Iowa, with his wife Mindy and triplet daughters Brielle, Rianne, and Teagan. You can work with him at https://residency.teachable.com/courses/ or hear his podcasts at pharmacy.libsyn.com and memorizing.libsyn.com  Highlights from our interview Tony is an English major. His expertise is in writing and helping people tell their story.  He's more of a writing expert than than a residency expert.  Tony helps pharmacy students one-on-one write a Letter of Intent.  The goal is to find a pharmacist residency that's a good fit.  According to Tony, it's very hard for pharmacists to talk about themselves and to do a “humble brag."  The audience for this 8-part books series is pharmacy students, namely P2's for 3-year programs and P3's for 4-year programs.  Students, read these books as you start those years of school! Tony loves audiobooks, and he understands the need for them for his readers.  However, depending on the length of the book, Tony sometimes hires narrators instead of narrating the books himself.  Tune in to hear his advice for pharmacist authors who want to narrate their own audiobooks.   Pharmacist Residency and Career Series (8 books) amazon.com links The Strong Residency Letter of Intent: Writing to Be Interviewed with a Cover Letter that Earns the Invite (Pharmacist Residency and Career Series Book 1)  by Tony Guerra Residency Interview Help: In Case of Interview Invitation, Break Glass (Pharmacist Residency and Career Series Book 2) by Tony Guerra https://bit.ly/44876qx  100 Strong Residency Interview Questions, Answers, and Rationales for the Residency Match (Pharmacist Residency and Career Series Book 3) by Brandon Dyson and Tony Guerra (audiobook available)  Phone Interview Survival Tips: Job Interview Questions and Answers for Introverts and Extroverts (Pharmacist Residency and Career Series Book 4) by Tony Guerra Crushing the Phase 2 Pharmacy Residency Match: Proven Tactics to Earn a Clinical Pharmacist Training Position (Pharmacist Residency and Career Series Book 5) by Tony Guerra Finding Your Unicorn Job for Pharmacists: Financial Freedom, Flexible Hours, and Personal Fulfillment Beyond the Pharmacy Counter (Pharmacist Residency and Career Series Book 6) by Tony Guerra READ THIS BEFORE PHARMACY RESIDENCY: The Right Moves on the Road to a Residency Match (Pharmacist Residency and Career Series Book 7) by Tony Guerra, Chase DiMarco, and Gene Rodden Strong Ambulatory Care Residency Letter of Intent: Writing Cover Letters that Earn Multiple Interview Invites (Pharmacist Residency and Career Series Book 8) by Callie Abramowitz and Tony Guerra Links from this episode The Pharmacist's Voice ® Podcast Episode 156 featuring Tony Guerra, PharmD Pharmacy Residency Podcast

Up first in my Summer 2023 Pharmacist Authors Series is Salam Kabbani, PharmD.  She wrote COVID Long-Hauler:  My Life Since COVID and narrated the audiobook.  A sample of her audiobook is included at the end of the episode.   Bio Salam Kabbani, PharmD is an infectious diseases pharmacy specialist at Olathe Medical Center in the greater Kansas City area. Her experience with long-COVID disability motivated her to write a memoir about her experiences so she can spread empathy by sharing her honest human experience. She is very passionate about advocating for patients and is currently working on a new series highlighting long-COVID symptoms and different strategies to mitigate them. Outside of pharmacy she is an avid reader and shares book recommendations on her Bookstagram and blog. She loves to be outdoors and takes every opportunity she can to go hiking when her health permits. She works part-time at Club Pilates and considers this her “fun job”, and she truly believes that reformer pilates has helped recover some of her strength after long-COVID. She lives with her cat Luna and feels grateful for every experience life has to offer her. She loves connecting with people, and especially long-haulers, and would love to hear your stories, answer any questions, or just chat through any of the links below! Website www.authorsalam.com Email: salam@authorsalam.com Instagram: @theunabridgedlifeofsalamacita, @longhaulerchronicles, @lunathemarblekitten (just for fun, follow Salam's cat on Instagram!) Tiktok: @theunabridgedlifeofsalam Linkedin: www.linkedin.com/in/salamkabbani Thank you for listening to episode 221 of The Pharmacist's Voice ® Podcast! To read the FULL show notes, visit https://www.thepharmacistsvoice.com.  Click on the podcast tab, and search for episode 221. Subscribe to or Follow The Pharmacist's Voice Podcast! Apple Podcasts Google Podcasts Spotify Amazon/Audible COVID Long-Hauler:  My Life Since COVID is available in print and audio.  Visit Global Bookshelves International (publisher), Amazon, or Barnes and Noble to purchase your printed copy today!  The audiobook is available through Audible and iTunes.  I listened to the audiobook, and I enjoyed it!  ⭐️ ⭐️ ⭐️ ⭐️ ⭐️ During the second half of our interview, Salam talked about her experience narrating her audiobook.  Because it's a memoir, she wanted to narrate it herself.  According to Salam, it was a challenge, but she's glad she did it.  Her goal was to release the print and audiobook versions at the same time, but the print version was first to market.  Her 3 hour audiobook took 6 hours of recording time (not all in one day).   Salam's advice to other pharmacist authors who want to narrate their own audiobook: Prepare:  Practice, hydrate, and allow plenty of time to record. Pick your most energetic/refreshed time of the day to record.  (Avoid recording after your work day.) Pick a studio you're comfortable with.  Make sure you can sit comfortably and place your reading materials in front of you.   Find an engineer who is experienced with recording, editing, and producing audio files to the specifications you need.  Cautionary tale:  The first engineer Salam worked with recorded the entire book, but he did not finalize her files to specs; he was inexperienced.  Salam needed help from a second audio engineer - Julie Walthers from Whole Story Studio.  With Julie's help, Salam's files passed ACX specs, and publishing the audiobook went smoothly.   Can you help the author out?   If you know of a book group or support group who might like COVID Long Hauler:  My Life Since COVID, recommend it to them.  They could read it and have a discussion.   If you know of a podcast that could interview Salam about her book, please nominate her to the host or let Salam know about the podcast.  LinkedIn messages work well.   If you know someone who would like Salam's book, please share it with them.  Thank you! Links from this episode (links are throughout this blog post too) Global Bookshelves International https://globalbookshelves.com/ COVID Long-Hauler:  My Life Since COVID (Amazon link for print and audio versions) Audiobook can be purchased through iTunes and Audible. ✅Business website https://www.thepharmacistsvoice.com ✅The Pharmacist's Voice ® Podcast https://www.thepharmacistsvoice.com/podcast ✅Pronounce Drug Names Like a Pro © Online Course https://www.kimnewlove.com  ✅LinkedIn https://www.linkedin.com/in/kimnewlove ✅Facebook https://www.facebook.com/kim.newlove.96 ✅Twitter https://twitter.com/KimNewloveVO ✅Instagram https://www.instagram.com/kimnewlovevo/ ✅YouTube https://www.youtube.com/channel/UCA3UyhNBi9CCqIMP8t1wRZQ ✅ACX (Audiobook Narrator Profile) https://www.acx.com/narrator?p=A10FSORRTANJ4Z ✅Start a podcast with the same coach who helped me get started (Dave Jackson from The School of Podcasting)! **Affiliate Link - NEW 8-21-22**    Dates, authors, and book titles in the Pharmacist Authors Series on The Pharmacist's Voice Podcast: June 5, Introduction to the Pharmacist Authors Series (Episode 220) June 9, Interview with Salam Kabbani, PharmD about her book: COVID Long-Hauler:  My Life Since COVID June 12, Interview with audio engineer Julie Walthers from Whole Story Studio: https://www.wholestorystudio.com/  June 16, Interview with Erin L. Albert, PharmD on her book The Life Science Lawyer June 19, Interview with Sue Ojageer, PharmD on her children's book The Pharma Heroes:  The Power of Precision Medicine June 23, Interview with Tony Guerra, PharmD about his Pharmacist Residency and Career Series (8 books) June 26, Interview with Christina Fontana, PharmD about her book Moving Beyond the Counter:  Elevating into Heart-Centered Health Care through Entrepreneurship June 30, Interview with Jade L. Ranger, PharmD, about her book Mustard Seed Mentality July 7, Interview with RDML Pam Schweitzer, PharmD and her daughter Amy Graves about their children's book Alice and Jack Hike the Grand Canyon July 10, Interview with Cory Jenks, PharmD about his book Permission to Care:  Building a Healthcare Culture That Thrives in Chaos July 14, Interview with Donna Bartlett, PharmD about her book MedStrong:  Shed Your Meds for a Better, Healthier You  July 17, Interview with Frieda Wiley, PharmD about her book Telecommuting Psychosis:  From Surviving to Thriving While Working in Your Pajama Pants.  Plus, we touch on her 3 children's books in development. July 21, Interview with Tim Ulbrich, PharmD about his book Seven Figure Pharmacist:  How to Maximize Your Income, Eliminate Debt, and Create Wealth  July 24, Interview with LaQuoia Johnson, PharmD about her book How Rxacism Manifests Inside the Small World of Pharmacy July 28, Pharmacist Authors Series wrap-up (solo show) Thank you for listening to episode 221 of The Pharmacist's Voice ® Podcast!

In June and July 2023, I'm publishing a 15-part Pharmacist Authors Series.  Listen to the interviews.  Then, check out the books.  This series might also inspire you to write a book! Thank you for listening to episode 220 of The Pharmacist's Voice ® Podcast! To read the full show notes, visit https://www.thepharmacistsvoice.com/podcast, and click on episode 220. Subscribe to or Follow The Pharmacist's Voice Podcast! Apple Podcasts Google Podcasts Spotify Amazon/Audible See below for dates, authors, book titles, and links:

In this video, you'll learn how to effectively deal with chargebacks and overcome the roadblocks that come with them. Our experts share their top tips for eliminating debt and getting back on track financially. Don't let chargebacks hold you back any longer - watch now and start winning the battle against them!In this video, you'll learn how to effectively deal with chargebacks and overcome the roadblocks that come with them. Our experts share their top tips for eliminating debt and getting back on track financially. Don't let chargebacks hold you back any longer - watch now and start winning the battle against them! Hosted by Albert Lau, John Bacaron & Yoel Aynalem

If you are in debt, should you still continue investing and putting your money into life insurance? Colton and Joel McGriff continue with their discussion of the topics of IBC, infinite banking, and the teachings of R. Nelson Nash. Together, they talk about how the book and the author argue why you should start getting out of debt now. They also share their stand on the limit of your financial capabilities, especially if you have other money obligations. Colton and Joel discuss how insurance can help resolve your issues with your finances, but the biggest step should start with YOU. Highlights: How to start if you're currently in a certain amount of debt Why should you start right away When the best way is to get out of debt Is there a limit to your financial capabilities? What the power of coaching is and why do we need it What the steps of IBC are To learn the basics of financial literacy, what are your two jobs? Resources and Links: https://www.themcgriffalliance.com colton@tmafamily.com kierson@tmafamily.com joel@tmafamily.com Phone: 205-991-4448 FREE eBook: Why Life Settlements Make Sense Schedule a Free Consultation by clicking here How to Listen: Subscribe on Apple Podcasts Follow on Spotify Listen on Stitcher

YFP Co-Founder & CEO, Tim Ulbrich, PharmD, shares ten lessons he has learned on his journey from employee to entrepreneur.  Links Mentioned in Today's Episode Register for the YFP Employee to Entrepreneur Virtual Summit Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance I Was a Confused, Trapped Pharmacist Living Paycheck to Paycheck Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt, and Create Wealth by Tim Church, PharmD and Tim Ulbrich, PharmD Start.: Punch Fear in the Face, Escape Average, and Do Work That Matters by Jon Acuff Start with Why: How Great Leaders Inspire Everyone to Take Action by Simon Sinek How I Built This Podcast Chris Caldwell Conscious Growth Coach The Partnership Charter by David Gage Delivering Happiness: A Path to Profits, Passion, and Purpose by Tony Hsieh YFP 145: How Samm Built Doc Station to Increase Value-Based Care The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It by Michael E. Gerber Traction: Get a Grip on Your Business by Gino Wickman Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine by Mike Michalowicz The End of Jobs: Money, Meaning and Freedom Without the 9-to-5 by Taylor Pearson The Four Agreements: A Practical Guide to Personal Freedom (A Toltec Wisdom Book) by Don Miguel Ruiz The Big Leap: Conquer Your Hidden Fear and Take Life to the Next Level by Gay Hendricks Procrastinate on Purpose: 5 Permissions to Multiply Your Time by Rory Vaden The Entrepreneur Roller Coaster: It's Your Turn to #JoinTheRide by Darren Hardy The War of Art: Break Through the Blocks and Win Your Inner Creative Battles by Steven Pressfield The Surrender Experiment: My Journey into Life's Perfection by Michael Singer A New Earth: Awakening to Your Life's Purpose by Eckhart Tolle The Secret by Rhonda Byrne Changes That Heal: Four Practical Steps to a Happier, Healthier You by Henry Cloud Your Financial Pharmacist Disclaimer and Disclosures

#042 - On this episode, Mayra goes back to basics. Reviews how we can easily take steps to eliminate debt.   Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @debtfree.latina and/or @mayra.alejandra.garcia

#042 - On this episode, Mayra goes back to basics.  Reviews how we can easily take steps to eliminate debt.   Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @debtfree.latina and/or @mayra.alejandra.garcia

Join David Befort and Paul Fugere on Episode 10 of the Wealth Warehouse. Can the infinite banking concept eliminate your debt? With an astounding 'yes!' David and Paul explain how eliminating debt through IBC can mean as easy as changing the pattern of how your money flows. In this episode, David and Paul lay down how you can retain your cash value permanently instead of giving it away permanently. In this episode you will learn: It's all about your spending pattern Your policy keeps your money, provides you benefits, and is working for you forever Some people just don't know better where to put their capital Paul Fugere – about a client with a buuuunch of debt So does IBC mean more debt to pay for debt? and so much more! About your hosts: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.  David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul on: Website: https://infinitebanking.org/agents/Fugere494 (https://infinitebanking.org/agents/Fugere494) https://infinitebanking.org/agents/Befort399 (https://infinitebanking.org/agents/Befort399) LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ (https://www.linkedin.com/in/david-a-befort-jr-09663972/) https://www.linkedin.com/in/paul-fugere-762021b0/ (https://www.linkedin.com/in/paul-fugere-762021b0/) Email: davidandpaul@theibcguys.com Survivor Benefit Plan Summary: https://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Overview/ (https://militarypay.defense.gov/Benefits/Survivor-Benefit-Program/Overview/) Self-directed IRA Summary: https://www.investopedia.com/terms/s/self-directed-ira.asp (https://www.investopedia.com/terms/s/self-directed-ira.asp)