Podcasts about emergency funds

In this episode, we dive into a topic that's becoming more and more urgent: how healthcare professionals can financially prepare for the possibility of career burnout. We know from data and personal experience with clients that burnout is hitting this sector hard—over 50% of healthcare professionals report symptoms, and a significant number are considering stepping away from their roles entirely. So, we tackle this issue head-on, not from a medical standpoint, but from a financial planning perspective.We start by emphasizing that prevention is key. Just like in medicine, the best remedy for burnout is early action, and that begins with building a solid financial foundation. We explore how consistent savings habits—even when it feels unnecessary—can offer crucial flexibility down the line. Setting aside 20% or more of each paycheck, creating an emergency fund with 6–12 months of expenses, and maintaining liquidity outside of retirement accounts are all smart, actionable steps. We also stress the importance of not delaying financial planning because you assume higher income gives you more time to catch up later. That's a trap we see too often.Next, we look at how to create income flexibility if burnout leads to reduced hours, a role change, or even early retirement. We talk through the importance of evaluating disability insurance—especially with mental health in mind—and how thinking ahead about possible career pivots like consulting or teaching can reduce stress. We also dive into the importance of building passive income streams and using investment strategy to bridge income gaps without needing active work.For those considering early retirement, we advise updating retirement plans immediately to identify any needed changes, recalibrating spending, and optimizing the timing of account withdrawals to minimize taxes. We also cover how to smartly use pensions and healthcare benefits, especially when considering stepping away. Timing really matters here, and small adjustments can have outsized financial impacts.Finally, we go over tactics to manage financial obligations during a career break—reducing debt, refinancing, and communicating with lenders. We talk about using COBRA, marketplace insurance, and HSAs to maintain healthcare coverage. The bottom line is that being proactive with money gives healthcare professionals the power to make the best choices for their well-being—financially and mentally—before burnout forces their hand. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Don't just brace for a recession, prepare to come out stronger. This conversation is about turning Canada's economic uncertainty into an opportunity for financial growth (or, at least, stability). We'll equip you with proactive strategies for managing debt, finding new income streams, and building a mindset of resilience. Learn how to take decisive control of your financial future, no matter what the economy throws at you. (00:00) – Prediction: How We Knew a Recession Was Coming  (02:30) – Rising Costs & Reduced Work Hours Impacting Households  (04:00) – Forecast: Hitting Recession Thresholds by End of Summer  (05:30) – Managing Money vs. Managing Debt: Good Times vs. Bad  (07:45) – First Steps When You Feel Financial Pressure  (11:00) – Side Hustles 101: Pros & Cons of Supplemental Income  (14:00) – Leveraging Networks & Community Support  (15:45) – How to Start (and Grow) an Emergency Fund  (18:00) – Recession-Proofing Strategies for Homeowners  (19:15) – Top Tips for Canadians in Debt as Recession Hits  (27:00) – Building Mental Resilience & Setting Realistic Goals  Reducing Tax Debt in Ontario Planning For Retirement When You Have Debt Why You Absolutely Need An Emergency Fund Sign Up For The Monthly Debt Free Digest 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 personal guidance from 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, strategies, or digital tools/apps discussed.  

Tripp Limehouse discusses the critical differences between saving and investing, emphasizing the importance of liquidity and emergency funds. He explores the balance between saving for short-term needs and investing for long-term growth, while also introducing the concept of phased retirement as a strategy to ease into retirement. The Green Line Principle is presented as a safe money strategy that protects against market losses while providing growth potential. Listeners are encouraged to evaluate their financial strategies and consider personalized retirement planning. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Kevin Brucher discusses the critical balance between saving and investing for retirement. He emphasizes the importance of having an emergency fund, understanding sequence risk, and the role of guaranteed income in retirement planning. The conversation also delves into the evaluation of annuities and investment strategies, providing insights on how to navigate the complexities of financial planning for a secure retirement. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

In this episode of Boldin Your Money, Steve Chen talks with Andy Hill, creator of Marriage, Kids and Money, about Andy's journey from having a negative net worth to achieving financial independence through intentional saving, living on one income, and aligning money decisions with family goals. Andy shares how reaching “Coast FI” allowed his family to work less and enjoy life more, the importance of early financial conversations with a partner, and his strategies for teaching kids about money by making it a regular, open topic. He also reflects on how purposeful time use can lead to a happier, healthier life and discusses his upcoming book Own Your Time, which helps parents build financial security while prioritizing family.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.

In this episode, homesteader and content creator Tony Barlow of Barlow Roots Market discusses the value of being fiscally prepared before transitioning from employment to running a business.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Kung may isinuksok, may madudukot.Isa ito sa mga kasabihan nating mga Pilipino tungkol sa halaga ng pag-iimpok. At dahil na rin sa hirap at pabago-bagong takbo ng buhay, we need to save smart. All Rights Reserved, CBN Asia Inc.https://www.cbnasia.com/giveSupport the show

Eoin McGee, financial expert, on building an 'emergency' fund

On this episode of Retire Texas Style Podcast, Steve and Derek discuss the importance of strategic planning for retirement, focusing on tax strategies, the role of annuities, and the psychological aspects of financial planning. They emphasize the need for a comprehensive plan to ensure financial security and address common concerns such as inflation, taxes, and the fear of running out of money in retirement. The discussion highlights the significance of having a written plan and the benefits of stress testing financial portfolios to prepare for market fluctuations. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

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What do control, perfectionism, and money have in common? For many of us, they're deeply rooted in childhood wounds, and they're the very blocks standing between us and our manifestations.In this heartfelt Q&A episode, Lacy and Jessica respond to powerful community questions that crack open the real energetics behind love, money, motherhood, and glass ceilings. Whether you're navigating burnout, trying to call in more income, or craving peace while juggling life's many demands, this conversation offers guidance, tools, and expansion to help you move forward. You'll hear personal revelations from Lacy and Jessica about their own inner child programming around control; how it shows up in work, relationships, and even wedding planning. And they offer expansive, grounded advice to two listeners: one manifesting full-time motherhood and another trying to break through a financial glass ceiling while living paycheck to paycheck.This episode is for anyone working through the TBM Money Challenge, or anyone asking: “Why do I still feel stuck?” Because often, the block isn't what you think—it's what you've normalized. So tune in for deep permission to slow down, reassess, and come back into alignment with what's truly authentic for you. The abundance you're calling in might just require a little less effort—and a little more letting go. Stay tuned for Part 2 in a few weeks!Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE$22/monthJoin the Pathway MembershipSale ends July 20th at 11:59pm PST Join our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMNeed motivation during the Money Challenge? Join Jessica's Free IG Money Challenge Chat!Join our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are atJoin the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Seed - Use 25MAGNETIC at checkout for 25% off your first month@seed's DS-01® Daily Synbiotic Bon Charge - 15% off with code MAGNETIC Red Light Neck and Chest Mask Everyday Dose - Go to everydaydose.com/TBM and use code TBM for 45% off your first order.Get 45% off your first subscription order of 30-servings of Coffee+ or Bold+. You'll also receive a starter kit with over $100 in free gifts. In This Episode We Talk About:How perfectionism and control are rooted in childhood trauma and old patterningThe connection between love and moneyThe inner child belief: "If I let go, it will all collapse"Defining your authentic “why” for abundanceReframing beauty as spiritual and energetic nourishmentThe abundance found in nature and somatic peaceConnecting to sensory environments that regulate and groundRevisiting authentic code to reflect internal expansionNavigating motherhood, generational trauma, and money energeticsBreaking consumerist hypnosis to create true financial freedomUsing “the opposite is the medicine” for financial and personal growth Mentioned In the Episode: Channeling with Lacy - 2025 EnergeticsTake our Free Money Quiz - find out what level of wealth consciousness you are atShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode!Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Stripped DI, Embodied DI, and Inner Child DI) Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

Still think divorce is just emotional? Think again—your finances are on the line. In this eye-opening episode, Erica sits down with the powerhouse mother-daughter team behind Purse Strings, Dr. Barb Provost and Maggie Nielsen, to break down the critical financial steps women need to take before saying the D-word out loud.From uncovering hidden accounts to understanding your post-divorce budget, Barb and Maggie are on a mission to help women stop getting left behind when it comes to money. They share personal stories, expert-backed tools, and the exact steps to feel secure, smart, and financially empowered—no matter where you are in the divorce process.If you're feeling overwhelmed by bank accounts, budgets, or just the sheer emotional toll of separation, this episode will help you find calm in the chaos—and maybe even a few dollars you didn't know you had.Because financial freedom is the ultimate closure.

The latest read on the local housing market, back-to-school shopping starts NOW, and why everyone needs an emergency fund - NO exceptions.

Saving for a rainy day doesn't always spark motivation. That's why in this episode, I introduce the concept of the Side Eye Fund—a money stash that empowers you to say “no thanks” to toxic jobs, burnout, and financial fear.If traditional emergency funds haven't inspired you to save, this episode will reframe what savings can mean for your life. It's not about disaster prep, it's about options.I'll share how my clients use the Side Eye Fund to build financial peace on their own terms. Whether you want to walk away from a draining job, take an unpaid break, or support a loved one without stress, this episode will help you start saving for the life you actually want.You'll also hear a real-life example from a client working toward her $24,000 fund goal and why slow, intentional saving beats hustle and sacrifice.Listen to learn how to build a savings system that puts you in control of your choices…[00:36] Why I want you to have options, not just budgets[02:04] What a Side Eye Fund is and why you need one[06:14] Rethinking the traditional “emergency fund”[08:45] What the Side Eye Fund allows you to do in real life[10:30] A client story: growing a $24,000 Side Eye Fund[13:35] How to start your own Side Eye Fund today[15:22] Why you don't need a crisis to start savingTune into this episode of Money Files to discover how a Side Eye Fund can give you the freedom to walk away, say yes to yourself, and save without fear.Get full show notes and the episode transcript: https://wealthovernow.com/emergency-funds-are-out-side-eye-funds-are-in/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

On this episode: Moving on from the scarring of the 2008 financial crisis. Where is your comfort zone with cash, and what should that account be used for? Retirement laws are constantly changing. How do you stay ahead? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

What if your financial story was something you felt empowered and excited by?In this episode, Jessica sits down with Britt Baker, seasoned investor and co-founder of Dow Janes. Britt has a background in consulting and a degree from Harvard Business School, however, it wasn't until years later, when she saw many of her close friends struggling with their own finances that she realized how many women lacked the financial literacy to build wealth.In this conversation, Britt breaks down the exact steps she teaches to get out of debt, build an emergency fund, invest with confidence (even if you've never done it before), and move from financial fear into financial freedom. – basically, everything you wish you learned in school. This is more than a conversation about saving and investing—it's a holistic look at how healing your relationship with money unlocks manifestation. If you've ever felt stuck in survival mode, afraid to look at your bank account, or convinced investing “just isn't for you,” this episode is for you. Get ready to rewrite your money narrative and step into the identity of someone who is not only financially secure, but magnetic.Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE! $22/monthJoin the Pathway MembershipJoin our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMJoin our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are at Join the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Bon Charge - 15% off with code MAGNETIC Infrared PEMF MatThe BON CHARGE Infrared PEMF Mat is my absolute go-to product! I use it almost daily to ground my nervous system, drop in deeper into my meditations & help my body recover after big hikes. The highest quality and most biohacking stacked mat I've seen on the market! Use code MAGNETIC at checkout for 15% off. us.boncharge.com/MAGNETIC Sundays for Dogs - 40% off with code TBMGet 40% off your first order of Sundays. Go to sundaysfordogs.com/TBM or use code TBM at checkout. In This Episode We Talk About:Navigating unemployment and finding income portalsThe power of non-dream jobs to shift financial energyConscious and values-aligned spendingShame, money stories, and how to rewrite your financial narrativeThe truth about credit card debt and how to escape the cycleRetirement accounts demystified (Roth IRA, 401k, SEP IRA)Investing for beginners: ETFs, funds, and dollar cost averagingWhy community can be essential for financial transformationUnderstanding emotional triggers behind impulse spendingBuilding an FU fund and setting financial boundariesThe mindset shift from survivor to creatorAligning money habits with long-term manifestation goals Mentioned In the Episode: Blog Post: Stress-Free Investment Strategy: Dollar Cost AveragingTake our Free Money Quiz - find out what level of wealth consciousness you are at Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Validation DI and Inner Child DI) Connect with Dow Janes!Join the Money Reset Retreat - use coupon code EXPANDED for $10 off their virtual seminar@dow.janes on IGFollow Dow Janes on Youtube Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

In this episode of the Personal Finance Podcast,  we are going to talk about  how much should be in your emergency fund by age? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off!  Links Mentioned in This Episode:  How to Invest In Yourself and Earn More (THIS YEAR!) How I would Invest Large Sums of Cash - Money Q&A Pay Off Debt or Keep Investing? (Money Q&A) The 1-3-6 Method For Building & Managing Your Emergency Fund The Insurance You MUST HAVE and What You Don't Need Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this thought-provoking episode of The 7th Cents Podcast, Mike Macklin and Coach R.L. Simmons challenge one of the most widely accepted personal finance rules: Do emergency funds actually help—or do they keep us stuck in a scarcity mindset?They dig into: 

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA  think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas. Free financial resources & episode transcript: https://bit.ly/ymyw-533 WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment The origins of Will the Gas Siphoner (audio only) ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint 11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA) 14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner) 24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors 25:53 - ESOP and NUA Explained (Tess & Finn, TX) 31:53 - Tribute to Betsey Clopine, 1933 - 2025 33:17 - YMYW Podcast Outro

This week on Check Your Balances, we tackle a listener question: Should your Roth IRA double as an emergency fund? We'll explore the pros and cons. We'll also demystify the critical difference between correlation and causation in personal finance. Understanding this distinction is key to making sound financial decisions, ensuring you build a robust financial plan based on true cause-and-effect, not just coincidental relationships.Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Life is unpredictable, and unexpected expenses can derail your finances if you're not prepared. That's where an emergency fund comes in! In this episode, we'll discuss why having an emergency fund is crucial, how much you should save, and simple strategies to build and maintain it—no matter your income level.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

In this episode Brian chats with Charlie about starting an emergency fund. 

Are you ready to change the way you think about savings?

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Let's set the record straight: Revenue is not the goal. Profit is. If you've ever felt like you're doing everything—chasing more sales, more clients, more offers—but still coming up short on cash and clarity, this episode is your permission slip to pause, stop worrying about sales numbers alone and start focusing on what generates profit.  In today's episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., dives into the 12 money truths that successful CEOs live by to grow smarter, more sustainable businesses not just bigger ones.  Key Takeaways:  Revenue ≠ Success: Profit is the real goal, not revenue. Chasing sales without watching expenses can leave your business cash-strapped and stressed. Focus on the bottom line.  (01:16 – 02:42) Align Your Personal & Business Finances: Your personal finances impact your business. Owner's draws and misaligned personal spending can drain your business's resources and future growth. (02:47 – 04:24) Money Goes Where Focus Flows: You don't need 3-4 revenue streams. The most successful CEOs stick to one core offering and master it before expanding. (04:24 – 05:51) Filter Your Advice Wisely: We love our friends and family, but unless someone has real experience running a business, their advice may do more harm than good. (05:51 – 06:47) Listen to Your Numbers: Your financials are trying to tell you something. Learn to read and review them regularly to help you avoid repeat mistakes and make smarter, future-focused decisions. (06:48 – 07:43) More Money Isn't Always the Fix: More capital won't fix a broken strategy. Think 2-3 times longer than you normally would before taking on debt or outside investors. (07:44 – 09:05) Spending is Investing: When aligned with your goals, every dollar spent should help your business grow or strengthen. (09:05 – 09:52) Permission to Say No: Saying yes to everything leads to burnout—successful CEOs protect their time and energy. (09:56 – 10:55) Emergency Funds are a Must: A “just in case” or rainy day fund can be the difference between panic and peace when the unexpected happens. You never know when a new opportunity will pop up! (10:56 – 11:52) Invest in Your Education: You don't have to do it all, but you do need to understand your business's financial health. (11:53 – 13:01) FOMO is a Distraction: This goes back to “money goes where focus flows”—stay grounded in your vision, not someone else's highlight reel. (13:01 – 14:10) Money is a Game—Play It Smart: Use your financial statements as tools to track your growth, not just your income. (14:12 – 14:50) ⭐Bonus Rule: When things get uncomfortable, lean in further. Successful CEOs step outside their comfort zones, because they know that's where the real growth happens.    Resources: Kickstart Accounting's CFO Services | kickstartaccountinginc.com/cfo  Kickstart Accounting's Tax Services | https://ksataxpartners.com/   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Let's set the record straight: Revenue is not the goal. Profit is. If you've ever felt like you're doing everything—chasing more sales, more clients, more offers—but still coming up short on cash and clarity, this episode is your permission slip to pause, stop worrying about sales numbers alone and start focusing on what generates profit.  In today's episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., dives into the 12 money truths that successful CEOs live by to grow smarter, more sustainable businesses not just bigger ones.  Key Takeaways:  Revenue ≠ Success: Profit is the real goal, not revenue. Chasing sales without watching expenses can leave your business cash-strapped and stressed. Focus on the bottom line.  (01:16 – 02:42) Align Your Personal & Business Finances: Your personal finances impact your business. Owner's draws and misaligned personal spending can drain your business's resources and future growth. (02:47 – 04:24) Money Goes Where Focus Flows: You don't need 3-4 revenue streams. The most successful CEOs stick to one core offering and master it before expanding. (04:24 – 05:51) Filter Your Advice Wisely: We love our friends and family, but unless someone has real experience running a business, their advice may do more harm than good. (05:51 – 06:47) Listen to Your Numbers: Your financials are trying to tell you something. Learn to read and review them regularly to help you avoid repeat mistakes and make smarter, future-focused decisions. (06:48 – 07:43) More Money Isn't Always the Fix: More capital won't fix a broken strategy. Think 2-3 times longer than you normally would before taking on debt or outside investors. (07:44 – 09:05) Spending is Investing: When aligned with your goals, every dollar spent should help your business grow or strengthen. (09:05 – 09:52) Permission to Say No: Saying yes to everything leads to burnout—successful CEOs protect their time and energy. (09:56 – 10:55) Emergency Funds are a Must: A “just in case” or rainy day fund can be the difference between panic and peace when the unexpected happens. You never know when a new opportunity will pop up! (10:56 – 11:52) Invest in Your Education: You don't have to do it all, but you do need to understand your business's financial health. (11:53 – 13:01) FOMO is a Distraction: This goes back to “money goes where focus flows”—stay grounded in your vision, not someone else's highlight reel. (13:01 – 14:10) Money is a Game—Play It Smart: Use your financial statements as tools to track your growth, not just your income. (14:12 – 14:50) ⭐Bonus Rule: When things get uncomfortable, lean in further. Successful CEOs step outside their comfort zones, because they know that's where the real growth happens.    Resources: Kickstart Accounting's CFO Services | kickstartaccountinginc.com/cfo  Kickstart Accounting's Tax Services | https://ksataxpartners.com/   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

How global is your portfolio, really? This week in the basement, Joe Saul-Sehy, OG, and the gang zoom out from the U.S. markets and take us on a whirlwind trip around the investing world. Spoiler alert: the case for international investing is stronger than you think—and it's not just about chasing higher returns. It's about risk reduction, smart diversification, and maybe even admitting that the U.S. isn't always the world's MVP. You'll hear how developed and emerging markets fit into a well-balanced portfolio, how correlation works in your favor (yes, this time that's a good thing), and what history tells us about going global. Joe and OG share practical advice for how to get started, when to rebalance, and how much international exposure might make sense for the average Stacker. Then in the second half, we pivot from markets to money buffers: listener Jeff from Cleveland wonders how to set insurance deductibles based on the state of his emergency fund. We break down how to think about the real return on your rainy-day stash—because spoiler: it's not about the interest rate, it's about your resilience. To wrap things up, we share timeless wisdom from Stackers across the country on what they'd tell new graduates about money, life, and how not to blow that first paycheck on a jet ski. Why international investing may improve both your returns and your risk profile How much of your portfolio to allocate internationally—and what history suggests What "correlation" really means and why it's your friend (at least in investing) Risks and common misconceptions of investing overseas How to choose between developed vs. emerging markets Portfolio tools to visualize your asset mix and expected outcomes Why your emergency fund's best ROI might be peace of mind How to align insurance deductibles with your liquidity cushion What our community of Stackers wishes they had known after graduation FULL SHOW NOTES: https://stackingbenjamins.com/making-the-case-for-international-investing-1690 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

We're taking some time to highlight some of our best Gymsplain Episodes, like this one detailing exactly what an emergency fund is and why everyone needs one! Life throws curveballs when we least expect them, and having a safety net can make all the difference. But what exactly is an emergency fund, and why should you have one? We'll break it down in simple terms and show you how these funds can be your financial cornerstone in times of crisis.  From unexpected medical bills to car repairs that catch you off guard, having an emergency fund is crucial. Garrett and Sam will guide you through the process of determining the right amount to save based on your budget, where to keep your emergency fund, and discuss saving vs. paying down debt.   For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.   Resources  BFF Approved High-Yield Savings Accounts  When Should You Use Your Emergency Fund   How to Save Your First $1000 in Emergency Savings   How to Build an Emergency Fund and Why You Need One    Meet The Trainers  Meet Garrett Faulconor, Level 3 Certified Financial Trainer  Meet Sam Cash, Level 2 Certified Financial Trainer      

How AmeriCorps Cuts Threaten Our Civic FutureTens of thousands of AmeriCorps service positions are being eliminated. In this episode, we explore how cuts to national service programs are affecting communities, civic engagement, and the future of democracy in America.Maureen Eccleston, Chief Impact Officer at Service Year Alliance and longtime AmeriCorps alum, joins David Beckemeyer to break down what these cuts mean, who's being impacted, and why service years matter now more than ever.We talk about the civic impact of AmeriCorps, how national service bridges political divides, and why protecting service opportunities is critical to lowering the temperature and rebuilding trust in our country.Links & Resources:Service Year Alliance: https://serviceyearalliance.orgVoices for National Service: https://voicesforservice.orgDonate to the Emergency Fund: https://statecommissions.orgText me your feedback and leave your contact info if you'd like a reply (this is a one-way text). Thanks, DavidSupport the showShow Notes:https://outrageoverload.net/ Follow me, David Beckemeyer, on Twitter @mrblog or email outrageoverload@gmail.com. Follow the show on Twitter @OutrageOverload or Instagram @OutrageOverload. We are also on Facebook /OutrageOverload.HOTLINE: 925-552-7885Got a Question, comment or just thoughts you'd like to share? Call the OO hotline and leave a message and you could be featured in an upcoming episodeIf you would like to help the show, you can contribute here. Tell everyone you know about the show. That's the best way to support it.Rate and Review the show on Podchaser: https://www.podchaser.com/OutrageOverload Intro music and outro music by Michael Ramir C.Many thanks to my co-editor and co-director, Austin Chen.

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

Quint and Allie talk about emergency funds and how much should be set aside for the inevitable emergency.

Why Saving Money Feels Hard (And How to Make It Easy) Ever check your bank balance and think, Wait—where did all my money go?! One minute, payday hits, and the next, your hard-earned cash has vanished—eaten up by bills, surprise expenses, and everyday spending. It's like your money is playing hide and seek… and winning. But here's the good news: saving money doesn't have to feel impossible. You don't need to overhaul your lifestyle, live on instant noodles, or give up everything fun. A few smart tweaks can turn saving from a dreaded chore into something effortless—maybe even a little exciting. Let's break it down. Why an Emergency Fund is a Game-Changer Life has a knack for throwing expensive surprises your way—your car breaks down, a medical bill pops up, or your fridge decides to call it quits. Without a financial cushion, these moments can turn into full-blown crises, leaving you scrambling for a solution. That's where an emergency fund comes in. Think of it as a financial safety net. Instead of reaching for a credit card, borrowing money, or selling investments at the worst possible time, you can handle unexpected expenses stress-free. No panic, no debt—just peace of mind. How Much Should You Save? Think of your emergency fund like a financial airbag—you hope you never need it, but you'll be glad it's there. Here's a good rule of thumb: Steady paycheck? Aim for at least three months' worth of expenses. Self-employed or income varies? Six months is a safer bet. Retired? Keeping up to a year's worth of expenses in cash can help you avoid selling investments during a market downturn. And don't stress about saving it all at once. Start small, set aside what you can each month, and watch it grow. Where to Keep Your Emergency Fund Not under your mattress, that's for sure. And not in a checking account earning zero percent interest, either. The goal is to keep it safe, accessible, and ideally, earning a little something. If your expenses are in dollars, a U.S. money market fund could be a great option. Some are even insured, similar to FDIC-backed bank accounts. Unlike a regular checking account, which earns almost nothing, money market funds often provide a variable return, so be sure to check with a financial professional to understand the risks and details. If you need shekels, Israeli banks may not offer great interest on regular accounts, but some allow you to lock your money for short periods (daily, weekly, or monthly) to earn a little extra. Even a small return is better than letting your money sit idle. Beyond the Emergency Fund: Making Your Money Work for You An emergency fund is your financial safety net, but long-term security requires more than just stashing away cash. At some point, you'll want to stop working—or at least have the option to stop. Many people assume that between Social Security (U.S.), Bituach Leumi (Israel), and their pension, they'll be fine. But the reality? Those sources often fall short. To maintain your lifestyle in retirement, you need investments that grow over time. Building an Investment Portfolio Investing can feel intimidating, but it doesn't have to be complicated. A broad, diversified portfolio—such as an index fund tracking the S&P 500—can be a straightforward way to grow wealth over time. Others prefer a mix of stocks, bonds, or managed portfolios tailored to their goals and risk tolerance. The key is consistency. Even small contributions, made regularly, can grow significantly over time. And while markets fluctuate, history suggests that long-term investors tend to fare better than those who sit on the sidelines. Important note: Investing involves risk, and past performance does not guarantee future results. Always consult a licensed financial advisor to determine what strategy makes sense for your situation. Plugging the Financial Leaks: Where is Your Money Going? You might think you have your spending under control, but when you actually track where your money is going, the results can be surprising. Many people waste thousands each year without realizing it—on subscriptions they don't use, high-fee services, and impulse spending. A quick self-check: Are you paying for things you don't actually use (streaming services, gym memberships, premium banking fees)? Do you regularly eat out or order takeout but can't seem to save for bigger goals? Are you overspending on insurance or other recurring expenses without shopping around for better rates? You don't have to cut everything fun out of your life—you just need to be intentional about where your money goes. A simple spending review can help you redirect money from waste to wealth-building. The Secret to Saving More Without Thinking About It One of the easiest ways to build wealth? Automate your savings. Set up an automatic transfer so that every month, a portion of your paycheck goes straight into savings before you have a chance to spend it. You can do this with your emergency fund, investment accounts, or even a retirement account. The less you have to think about saving, the more likely you are to actually do it. Over time, those small amounts add up in a big way. Small Changes, Big Impact Financial security isn't about being rich—it's about being prepared. An emergency fund gives you the freedom to handle life's unexpected expenses without stress, turning financial shocks into minor inconveniences. Investing wisely allows your money to grow over time, so you're not just stashing cash but actually building long-term wealth. At the same time, cutting out unnecessary expenses doesn't mean giving up what you love—it means making sure your money is working toward what truly matters. The easiest way to stay on track? Automate your savings. When saving happens in the background, it becomes effortless—and over time, those small, consistent contributions can add up to real financial security. If you want to make sure your U.S. brokerage and IRA accounts are positioned to support your financial future, schedule a free Cross-Border Financial Evaluation today and get a clear, customized plan for managing your investments while living in Israel. www.profile-financial.com/call

Be A Better You Annual Challenge Day 135: Emergency Fund And Your Financial Health! Do one thing every day to be a better you! Join us every day in 2025 for a quick challenge that is all about you improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #beabetteryouannualchallenge #finances #emergencyfund #mindsetshift #financialhealth #beprepared

Don't make these emergency fund mistakes! In this episode, Art dives into the most common “oops” moments people have when saving for a rainy day—and how you can avoid them. Plus, he answers listener questions about budgeting and picking a high-yield savings account.Resources:8 Money MilestonesAsk a Money Question!

Dr Boyce speaks on the shocking calculation made by Investopedia about emergency funds

If you don't know who you are, the world will tell you. Dr. Gabe takes a deep dive into one of life's major crossroads: what should you focus on after turning 30? With wisdom and practical advice, he lays out seven essential shifts to make as you enter your thirties—from prioritizing your true identity over outward image and applause to seeking purpose above society's pressures. Dr. Gabe urges listeners to choose stability over flexing, stack our skills for the digital age, and build a lasting legacy rather than chasing fleeting lifestyle trends. Need relationship advice? Text Dr. Gabe. Text bandwidth to 94000 to stay up-to-date on all things Bandwidth.Gabriel Powell MerchUse the code BAND10 for 10% off.WebsiteSupport the Bandwidth PodcastCash App $bandwidthpodcastConnect with Bandwidth Facebook | Instagram | TikTok | Twitter Connect with Dr. GabeInstagram | YouTube | WebsiteIf you are interested in advertising on this podcast or having Dr. Gabe as a guest on your Podcast, Radio Show, or TV Show, reach out to info@gabrielpowell.co

Rising costs and economic uncertainty make financial preparedness more important than ever. Today's Stocks & Topics: JEPQ - J.P. Morgan Nasdaq Equity Premium Income ETF, Market Wrap, AZO - AutoZone Inc., APP - AppLovin Corp., Why Your Emergency Fund Should Be $35,000 in 2025, VEMT - Vanguard USD Emerging Markets Government Bond UCITS ETF, CRWV - CoreWeave Inc. Cl A, Supply Chain, FOUR - Shift4 Payments Inc., CCJ - Cameco Corp., MOD - Modine Manufacturing Co., Corporate Buybacks.Advertising Inquiries: https://redcircle.com/brands

Quint and Allie talk through whether to tap your emergency fund to pay off outstanding debt.

Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead.You'll learn:Why experts now recommend a 12-month emergency fundHow to separate wants vs. needs when calculating your savings targetWhy investments ≠ emergency savings (and what to do instead)5 practical strategies to build your fund faster—without burnoutHow to turn a daunting goal into doable milestonesWhether you're starting from scratch or leveling up, this episode gives you a clear, no-fluff plan to create real financial security in uncertain times.Listen now and take the first step toward peace of mind and real financial freedom.Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.Notes from the show:Ready for your own HYSA, use our Ally link Open your high yield account with Wealthfront

Holding too much cash can be a drag on your gains. You shouldn't have too much of it sitting in your account without a specific purpose. Today you'll learn answers to questions such as: How much is too much? Where should I keep my cash? What should I do today if I have too much cash? Links from today's episode: Erik Baskin at Baskin FP Past podcast episodes with Erik Baskin include episode 72, episode 129, and episode 168. Erik Baskin on LinkedIn The Veteran Finance podcast with Erik Baskin For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

We're back with answering YOUR questions and you gave us some good ones. Brian and Bo break down affordable life insurance strategies for high earners with health challenges, how to prioritize saving when adopting a child, and what to do with multiple retirement plans like 401(a), 403(b), and 457s. You'll also learn how the Rule of 55 really works (and how to avoid losing it), plus how to assess the true opportunity cost of going back to school to boost your income. Don't worry, though, we still had plenty of fun along the way. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this timely episode of Ready Your Future, we dive deep into the realities of economic uncertainty facing many Americans today. Drawing from historical perspectives and current insights, Todd explores why economic fears are surging and what practical steps you can take to protect your family’s financial future. The episode examines proven strategies for building resilience during economic stress, including financial preparedness techniques that worked during previous downturns and might serve you well in today’s challenging economic landscape. Visit the Episode Page on Ready Your Future. Of Interest Check Out RYF on YouTube For more about Todd and RYF Join the Exclusive Email Group' Join TPA The Christian Prepper Podcast Buy Me a Coffee: https://www.buymeacoffee.com/prepperwebsiteSee omnystudio.com/listener for privacy information.

On the surface, emergency funds sound like a very prudent idea. You set aside cash for unknowable, unforseeable events so that you aren't strapped when you really need it. We're not disagreeing with the idea, but an emergency fund is somewhat counter to the core principle of YNAB: giving every dollar a job. In an emergency fund, dollars are given a job, but it's a vague one.   Jesse likens it to a football coach yelling at his defense to "just stop the other team from scoring!" The coach is identifying the basic goal of the game, but there's nothing specific to help the players actually accomplish that task. A good coach instead instructs players what to do at an individual level, adjusting their positioning, technique, key reads etc. so that they can more effectively play their role on the team. The net result is the same -- stopping the other team from scoring -- but the results are far more effective.   The same is true with your dollars. While yes, we do want to set aside money for larger, less frequent expenses, the truth is many of these expenses are knowable, we just don't plan for them. New roof, new tires, plumbing repair, etc. Including these items into your plan and saving for them accomplishes what the emergency fund accomplishes, but with more clarity.   So, consider just deleting your emergency fund. Or at least make it smaller, and give those dollars more specific, effective jobs.     Watch The Jesse Mecham Show on Youtube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial   Tickets to YNAB Fan Fest 2025 are on sale now! Coming to San Diego, Minneapolis, and NYC: YNAB.com/events