Podcasts about Expense

Nico Echavarria wins the Cognizant Classic after Shane Lowry blows a 3 shot lead. Kevin Kisner is now a YouTube golfer. Jon Rahm decides to not sign a deal to remain a DP World Tour member. The Arnold Palmer Invitational kicks off this week for the 3rd Signature Event of the season. #golf #pgatour #Cognizant #ArnoldPalmer #TGL #Kisner #Rahm #DP

ResourcesApply for 1:1 Business MentorshipGet the book Radical Self-HonouringRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠Threads:⁠ @sigma.wmn⁠Over the past few years, after working with more than 530 women business owners in coaching, clear patterns have emerged. Different industries. Different personalities. Different stages of growth. Yet the same underlying themes continue to surface again and again.In this episode, I break down the most common patterns that hold women back from aligned business growth, sustainable success, and deeper self-trust. From black and white thinking to self-abandonment through comparison, these behaviours subtly sabotage confidence, clarity, and revenue.If you've ever felt stuck, resentful, burnt out, or secretly envious of someone else's success, this conversation will help you understand what that really reveals about your alignment. We explore how radical self-honouring, boundary setting, and using envy as data can transform your business and move you into your most abundant era.Tune in to hear:How black and white thinking quietly sabotages creativity, growth, and aligned business decisions.Why fitting in, following trends, or masking your true self disconnects you from your most magnetic positioning.How comparison, envy, and jealousy can become powerful tools for clarity and expansion instead of self-sabotage.And how radical self-honouring shifts everything.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:Why trying to belong at the expense of being yourself keeps your business small and misaligned.How self-abandonment shows up through people-pleasing, comparison, and avoidance stories.The difference between unhealthy comparison and healthy envy, and how to use it strategically.How radical self-honouring creates confidence, boundaries, clarity, and long-term aligned business growth.Themes & Time Stamps:0:00 Introduction: Pattern Recognition in Business Coaching.0:45 Why Pattern Recognition Matters and 500+ Client Insights.2:27 Pattern #1: Black and White Thinking in Business Growth.5:50 Authenticity vs Fitting In: Belonging at the Expense of Being.7:27 Pattern #2: Self-Abandonment Through Comparison and People Pleasing.8:27 Pattern #3: Avoidance Stories and Not Following Through.9:29 Using Envy as a Strategic Signal for Expansion.11:06 Moving from Comparison to Radical Self-Honouring.

A Clare TD claims energy companies are "laughing all the way to the bank" while families are forced to choose between heating and eating. The Commission for the Regulation of Utilities has revealed the number of people unable to pay their electricity bills in December rose to 320,000. This was up 20% on the same month in 2024, with the data showing 26% of domestic gas customers were in arrears while 14% of electricity customers couldn't pay their full bill. Shannon Sinn Féin TD Donna McGettigan has been telling Clare FM's Seán Lyons she believes the Government must intervene and ensure firms' savings are being passed onto customers.

Had Esther's intervention not succeeded, would Mordechai THEN bow down to Haman to save the Jews?

I've seen firsthand how practices double production, retain team members long-term, and charge more than their competitors—not because they bought more ads, but because they built a culture that people want to be part of.In this episode, I sit down with Brian Wright, founder of New Patient Group, serial entrepreneur, and one of the sharpest business minds working in orthodontics today. We go deep into what truly separates average practices from elite ones. And spoiler alert—it's not brackets, aligners, or even clinical skill alone.If you've ever struggled with team turnover, price shoppers, inconsistent case acceptance, or feeling stuck at the same production number year after year… this episode will challenge your thinking in the best possible way.Quotes“If you're struggling with team issues, it's not an HR problem. It's a leadership problem.” — Brian Wright“There's a difference between being a business owner and being an entrepreneur. Entrepreneurs implement ideas even when everyone else says no.” — Brian WrightKey TakeawaysHow elite practices “destroy competition” without talking about competition (01:00)Entrepreneur vs. business owner mindset shift (13:00)Why orthodontists misuse the word “scale” (16:00)The real reason price shoppers exist (24:00)Why culture—not advertising—is the true growth engine (29:00)Expense vs. investment: The accounting mistake killing growth (20:00)How leadership determines team retention (33:00)Why good orthodontics alone won't justify premium fees (39:00)What iconic practices do differently than everyone else (44:00)Additional ResourcesGrowth doesn't start with ads. It starts with leadership. Are you running a practice… or are you building a business?And if you're serious about becoming the latter, start investing in yourself the way elite entrepreneurs do.NPG Iconic: https://iconic.newpatientgroup.com Brian Wright: https://newpatientgroup.com/book-brian-wright/ Register for the Make More Money Meeting: https://ortho4m.com/home - For more information, visit: https://orthopreneurs.com/- Join our FREE Facebook group here: https://www.facebook.com/groups/

The debate over immigration reform and ag labor has some big holes on both sides of the argument.

Jen Psaki points to examples of Donald Trump manipulating tariffs against other countries for reasons that have nothing to do with economics and everything to do with his own personal enrichment or petty grievances. And while Trump abuses his power in order to serve himself, American taxpayers foot the bill by paying for the consequences of Trump's tariffs. Illinois Governor JB Pritzker discusses how Americans can get their money back after footing the bill for Donald Trump's unconstitutional tariffs. Jen Psaki looks at the role tariffs have played in Donald Trump's quest to acquire and assert power, and points out a familiar pattern in Trump's behavior at a press conference after the Supreme Court rules his tariff scheme is yet another violation of the Constitution.  Senator Elizabeth Warren talks with Jen Psaki about what comes next now that the Supreme Court has pulled the plug on Trump's tariff scheme. To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of 'Yours Truly, Johnny Dollar', insurance investigator Johnny Dollar embarks on a thrilling case involving the mysterious disappearance of Barton Drake, a man suspected of grand larceny. As Dollar navigates through a web of deception, he encounters Mrs. Drake, who is torn between hope and despair upon learning that her husband may still be alive. The investigation leads to unexpected twists, including a disguise and a dramatic confrontation at Penn Station, culminating in a humorous yet insightful expense account summary that highlights the absurdities of the case.Most insurance investigations are routine—until they aren't. Johnny Dollar's latest case unravels a seven-year-old disappearance, a suspected death, and a daring double-cross that puts everything on the line. When a missing man presumed dead reappears, the stakes skyrocket—will you uncover how a nearly perfect disappearance can unravel? Or better yet, how a con artist's pretense is exposed by a clever radio trick?This episode reveals how deceit and disguise collide in a thrilling game of mental chess. Johnny digs into cold case clues—testimony, disguises, and even a fake boat ride—to connect the dots. You'll discover:The shocking truth behind Barton Drake's presumed death and recent sightings at a boxing match—clues that suggest he's still alive after all these years.How a well-orchestrated con involving fake luggage, a forged signature, and clever disguises creates a perfect alibi—until Johnny uncovers the cracks.The secret of how a simple radio record and a trick with a phone number expose an elaborate insurance fraud.The importance of attention to detail and how one man's cunning plan nearly escapes justice, only to be foiled by Johnny's meticulous approach.We break down how con artists use disguises, deception, and psychological manipulation to evade capture—risks that can cost them everything. This isn't just a story about one man's disappearance; it's a lesson in reading between the lines, spotting the telltale signs of deception, and the power of quick thinking.Why does this matter? Because in a world where appearances deceive, knowing the tricks of the con can save you from falling for similar scams. Whether you're in insurance, investigation, or just love a good mystery, understanding these tactics sharpens your instincts—saving you time, money, and heartbreak.Perfect for true crime aficionados, detectives in training, or anyone fascinated by clever deceptions and how they're busted. Johnny Dollar's sharp eye and resourcefulness remind us: even the most elaborate cover-up can crack under careful scrutiny.This episode isn't just entertainment; it's a masterclass in deduction and deception. Hit play to see how one man's plans are dismantled by a detective with a radio record, a keen mind, and a shot of good old-fashioned ingenuity.TakeawaysJohnny Dollar is a skilled insurance investigator.The case revolves around the disappearance of Barton Drake.Mrs. Drake's emotional turmoil adds depth to the story.The investigation reveals unexpected twists and turns.Disguises play a crucial role in the plot.The climax occurs at Penn Station with police involvement.Humor is interwoven throughout the narrative.Expense accounts highlight the absurdities of the investigation.The story reflects themes of deception and truth.The conclusion ties up loose ends while maintaining suspense.insurance investigation, Johnny Dollar, Barton Drake, mystery, crime, detective, life insurance, fraud, New York, suspense

Entertainment is not a deductible law firm expense! U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com

Petra Durnin shares her insights on data strategy, AI adoption pitfalls, and what firms must do to thrive in the next era of commercial real estate.The Crexi Podcast connects commercial real estate (CRE) professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode, host Adam Siegel sits down with Petra Durnin, a 25-year commercial real estate veteran and tech-to-impact strategist, to discuss the latest trends, insights, and strategies shaping the industry. They explore Petra's journey from liberal arts temp to research and data leader at some of CRE's most prominent firms, including CBRE and Raises Commercial Real Estate, which was acquired by JLL.They also delve into the critical importance of clean data foundations before layering in AI, the evolving role of researchers and analysts, and why firms that invest in strong data infrastructure will define the next era of the industry. Petra shares her contrarian take that the industry doesn't need more technology tools — it needs to better utilize the ones it already has.Introduction to The Crexi Podcast How Petra Got Her Start as a CRE Temp Becoming Indispensable: Taking Over Market Reports Growing from Analyst to Director Pushing the Curve: Technology and Data Visualization Moving to Raise Commercial Real Estate How Clean Data Drives Better Broker Decisions Finding the Aha Moment with Technology Adoption Building a Ground-Up Tool Nobody Had What Made Raises Different from the Competition Listening to Clients and Reducing Friction Seeing the Client Through the Broker's Eyes JLL Acquisition: Validation of the Vision Moving Upstream: Product and Data Strategy Curiosity as a Career Superpower Making Research Teams Strategic Partners Career Advice: Stay Curious The Universal Data Challenges Across CRE Firms Why AI Won't Fix Bad Data Data Silos and the Danger of Hoarding Information What AI Does Best — and Where It Still Falls Short The Bridge Between Brokerage and Technology The "Tech-to-Impact Strategist": Connective Tissue Getting Brokers to Actually Adopt New Tools Is Technology an Expense or an Investment? Why Brokers Lose Touch with Clients After the Deal The Power of Aggregation Over Individual Deals Fix Your Data Foundation Before Layering in AIHow Researcher and Analyst Roles Are Evolving Hiring for Curiosity Over Pedigree Rapid Fire Questions & Contrarian TakesWhat Makes Petra Optimistic About CRE in 2026  About Petra Durnin:Petra Durnin is a 20-plus-year commercial real estate veteran who has spent her career growing and supporting some of the most successful brokers and analysts in the industry. She has led research, data, and product strategy across global firms, helping organizations translate technology, market intelligence, and data into practical tools that drive better decisions and stronger performance.Petra's superpower lies in connecting technology, research, and human behavior. From startups to global platforms, she has built and scaled data and insight strategies that enable teams to work smarter in an increasingly complex market, turning information into actionable insight and insight into impact.She believes commercial real estate is entering a critical period of transformation, and that firms who invest in strong data foundations and insight-driven strategy will define the next era of the industry. For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

home profit Make Your Home Work Harder (Profit + Remodel Strategy) | Episode 589 Hey, it's James from SurvivalPunk.com. It's 39 degrees, and today we're talking about making your home work harder. This one's twofold. Part one: remodeling strategically in a broken housing market.Part two: turning your house from a pure expense into something that actually produces. The housing market sucks right now. That's just reality. But that doesn't mean you're powerless. The Housing Market Is Skewed — Use That Starter homes are struggling. Lower-tier houses are sitting. But higher-end houses? Selling like crazy. Million-dollar homes are moving because people with that kind of money don't care about rates the same way. That skews the data. People see $400k homes selling and assume everything is hot — but that doesn't help someone trying to get into their first house. If you're buying right now, one strategy is simple: buy under your ceiling. Know your range. Don't stretch yourself to death. Look at homes that need a little TLC. Cosmetic stuff. Cabinets. Paint. Fixtures. Appliances. Flooring. Those are solvable. Over time, you remodel intelligently and build equity yourself. If you're already in a house, the same concept applies. Pick one room at a time. Kitchen. Bathroom. Flooring. Do it in phases. At the end? You either: Have a fully remodeled home you love Or you sell at a higher value and move up But your strategy matters. If your goal is resale, you remodel based on trends — not your personal taste. Sage green cabinets? Trendy. I hate them. Doesn't matter. If the goal is ROI, you follow market taste. Black kitchens? Also trendy. Not my thing. If it's your forever home? Then build for you. Two totally different goals. Yard = Wasted Opportunity Most people see yard work as a chore. Leaves? Trash.Rainwater runoff? Waste.Space? Decorative. Wrong mindset. Leaves are free compost input. Not just your leaves — your neighbors' leaves too. Compost them down and: Stop buying compost Sell compost Sell compost tea Turn a waste stream into revenue You're literally converting trash into product. That's how you make a home work harder. Gardening Isn't Just Food — It's Leverage Growing your own vegetables reduces grocery bills. But microgreens? That's a business. The profit margins on microgreens are insane if you run it correctly. Small greenhouse. Controlled setup. Scalable. You need to run the numbers. But the ceiling is there. Even if you don't sell: Growing salads = not buying salads Growing vegetables = not buying vegetables Saving seeds = compounding future production If you're watering plants with rainwater you collected off your own roof, from seeds you saved from food you grew? You're basically printing your own money at that point. Water Runoff Is Money Going Down the Drain Rain barrels and cisterns are underrated. Every time it rains, your roof is producing water. Most people just let it run off. Collect it. Use it for: Gardening Lawn irrigation Emergency supply Water bills are going up. Ours doubled recently. It's still affordable, but it won't always be. Reducing dependency now is smart. Indoor Production: Mushrooms and Niche Products Growing mushrooms indoors is exploding. Lion's Mane. Reishi. Specialty varieties. The science on mushroom benefits is still unfolding, but the demand is real — and they're expensive to buy retail. If you're already spending money on them, growing them yourself cuts cost massively. Get good at it? Sell excess. There are tons of small indoor side hustles you can start from your home. Some are simple. Some are more technical. The common thread: Reduce retail markup. If you can make something yourself that normally carries huge markup — that's leverage. There's nothing wrong with profit. But there is a line between fair markup and straight-up exploitation. If you can eliminate the middle layer, your cost drops dramatically. That's power. Remodel vs Production — Pick Your Angle Your home can: Build equity through smart remodeling Reduce expenses through production Generate income through niche products Or do all three Most people treat their house as: Mortgage.Utilities.Expense. That's it. But if you treat it like a tool — like an asset that works — it changes the math. Final Thoughts The housing market might be rough. Interest rates might suck. Starter homes might be overpriced. But you still control: What you buy How you improve it What you produce from it What you stop paying retail for Make your home work harder. This is James from SurvivalPunk.com.DIY to survive. Amazon Item OF The Day VEVOR Collapsible Rain Barrel, 100 Gallon/380 L Portable Water Tank, PVC Rainwater Collection Barrel with Spigots and Overflow Kit, Water Barrel for Garden Water Catcher Think this post was worth 20 cents? Consider joining The Survivalpunk Army and get access to exclusive content and discounts! Don't forget to join in on the road to 1k! Help James Survivalpunk Beat Couch Potato Mike to 1k subscribers on Youtube Want To help make sure there is a podcast Each and every week? Join us on Patreon Subscribe to the Survival Punk Survival Podcast. The most electrifying podcast on survival entertainment. Itunes Pandora RSS Spotify Like this post? Consider signing up for my email list here > Subscribe Join Our Exciting Facebook Group and get involved Survival Punk Punk's The post Make Your Home Work Harder | Episode 589 appeared first on Survivalpunk.

G.R.A.C.E. – God's Riches at Christ's Expense. How is God's grace shown through the act of communion? How are we to respond? “Every tomorrow has 2 handles. We can take hold of the handle of anxiety or the handle of faith.” What will you choose? ________________________________________________________________________________________________ Look for HOPE is Here: - at www.HOPEisHere.Today - on Facebook - https://www.facebook.com/HOPEisHereToday - on Instagram - https://www.instagram.com/hopeisherelex/ - on X (Twitter) - https://www.x.com/hopeisherelex - on TikTok - https://www.tiktok.com/@hopeisherelex - on YouTube - https://www.youtube.com/channel/UCtJ47I4w6atOHr7agGpOuvA Help us bring HOPE and encouragement to others: - by texting the word GIVE to 833-713-1591 - by visiting https://www.hopeisheretoday.org/donate   #Lexington #Kentucky #christianradio #JesusRadio #Jesus #WJMM #GregHorn #GregJHorn #suicideprevention #KentuckyRadio #HOPEisHere #Hope #HopeinJesus #FoodForThoughtFriday #MondayMotivation #FridayFeeling #Motivation #Inspiration #cupofHope #FYP #ForYouPage #SuicideAwareness

A majority of young adults believe that they will not be as well off as their parents. In other words, they are falling behind. And the economic data bears it out. The average age of first time homebuyers is 40. But in the 1980s it was 30. What can the average young man or woman do to build wealth ?

Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here     Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.

On this episode: Whether you have $5 million or $500 thousand, everyone seems to be asking THIS question. Interest rates are down. Should you give up on bonds? People are more worried about THIS than the price of food and housing in retirement. Like this episode? Hit that Follow button and never miss an episode!

Transformers are robots in DECLINE. Transformers sales are down per Hasbro's earnings report, and even Transformers sites are asking why. Expense? Lack of good moves and series? Ideology? Yes to all of the above?Watch the podcast episodes on YouTube and all major podcast hosts including Spotify.CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles.Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/On YouTube - https://www.youtube.com/c/ClownfishTVOn Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvgOn Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629

https://alphaluxcleaning.com/our-services/recurring-cleaning/Wondering what commercial cleaning costs, and whether it's worth it? This episode breaks down pricing, ROI, and the hidden savings most businesses overlook. AlphaLux Cleaning City: Melville Address: 251 Altessa Blvd Website: https://alphaluxcleaning.com/ Phone: +1 631 366 8565 Email: info@alphaluxcleaning.com

Find out the best time to go home shopping and whether shared housing bills can affect your plans to retire together. Should you buy a house in the winter or wait for spring? How can you split housing costs and plan for retirement when you and your partner are on different timelines? Hosts Sean Pyles and Elizabeth Ayoola discuss equitable money management for couples to help you understand how to plan a shared future without losing sight of your own financial security. But first, Anna Helhoski joins Sean and Elizabeth to discuss winter homebuying and selling with mortgage Nerds Abby Badach Doyle and Kate Wood. They discuss why winter can mean less competition for buyers, what snow and cold weather can hide during a walkthrough or inspection, and why February can be the moment to get preapproved before the spring rush. Then, listeners Claire and Robbie join Sean and Elizabeth to discuss how to share expenses when one partner owns the house, and how to aim for retirement at the same time despite a 16-year age gap. They discuss ways to rethink “50-50” so it feels fair, what semi-retirement options like barista FIRE can look like when health insurance is a concern, and how life insurance and basic estate planning can protect both partners if life takes an unexpected turn. Use NerdWallet's free calculator to see how far your homebuying budget could take you: https://www.nerdwallet.com/mortgages/calculators/how-much-house-can-i-afford  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Medicare's 20% coinsurance costing you more than you realize? In this episode, we break down how the 20% gap in Original Medicare works—and why there's no cap on what you could owe in a major medical year. Learn how a Medicare Supplement plan can help shield you from potentially unlimited bills, giving you greater financial protection and peace of mind in retirement. 

One surprise expense can throw a retirement budget into chaos—and it’s rarely the one you expect. Michigan’s Retirement Coach Mike Douglas breaks down why unplanned costs are so common in retirement and how they quietly disrupt even well‑built plans. From home repairs and medical issues to liquidity gaps and “variable” expenses that never feel predictable, this episode focuses on planning for what can’t be forecasted. It’s a practical conversation about cash reserves, flexibility, and why preparing for the unexpected is just as important as planning for monthly income. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Washington State Tree Fruit Association members and staff gathered in Olympia recently to try and help close the ag knowledge gap between lawmakers and growers. WSTFA lobbyist, David Ducharme ...

In this episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell break down how wealthy agents actually think about money—and why most people struggle to build lasting wealth despite high incomes.Together, they walk through practical financial models the wealthy use to make better decisions around spending, saving, housing, investing, and retirement. Brett and Katelyn explain how to calculate the net worth and passive income you truly need to live your ideal life, why burn rate matters more than you think, and how expectations play a major role in happiness.This conversation is a step-by-step guide for agents and entrepreneurs who want clarity, structure, and confidence in their financial decisions—so money supports freedom, not stress.

Send us a textOn this weeks episode I got to sit down and speak with an expert on finances. Mr. Mike Milligan is the lead investment advisor of one oak financial. He prides himself and his firm on being different than the typical investment advisor. As you will hear in our conservation, he quickly points out the largest single expense any of have  as professional and business owners is our tax liability. Mike give us several ways to legally reduce your tax burden in ways you've probably never heard of until now.  I found my interview with him to be incredibly insightful, educational and informative. I hope you enjoy this interview with Mr. Mike. Milligan. 

We are continuing our annual expense review tradition by digging even deeper into our 2025 spending. In part two, we move beyond the totals to examine the specific categories that often make or break a budget—from rising insurance premiums to the actual cost of our cell phone plans. We also explore how we're investing intentionally in our health and fitness to ensure our wealth includes wellness. Plus, we're serving up the delicious details of what we ate and drank in 2025, comparing our grocery hauls and restaurant tabs—including exactly how much sushi and snacks it takes to fuel our growing kids.Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/148-2025-expense-review-part-2-the-real-cost-of-food-fitness-phones-and-more/

Dennis Thankachan, Co-Founder and CEO of Lightyear, joined Doug Green, Publisher of Technology Reseller News, to discuss how Lightyear is redefining enterprise telecom management through AI-native automation, data transparency, and end-to-end lifecycle control. Thankachan explained that Lightyear positions itself as a “telecom operating system” for the enterprise, automating the full lifecycle of telecom services—from procurement and installation to inventory management, expense tracking, renewals, and decommissioning. The platform integrates with enterprise systems via APIs and provides a single system of record for services, circuits, costs, and contracts. In 2025, Lightyear expanded this vision with the launch of its AI-native telecom expense management offering, designed to modernize a category long dominated by legacy, invoice-centric tools. Telecom billing, Thankachan noted, remains uniquely complex and error-prone, with multi-carrier invoices, usage-based charges, taxes, and frequent discrepancies obscuring true costs. Lightyear's AI-native approach goes beyond invoice digitization by categorizing charges, reconciling invoices against verified network inventory, auditing discrepancies, opening tickets, and enabling natural-language queries such as cost analysis by site or service. “We're not just answering questions,” Thankachan said. “We also take the action—buying circuits, managing installs, paying invoices, and handling tickets.” By combining AI tooling with first-principles software design and a large, continuously growing dataset spanning quotes, carrier performance, and billing history, Lightyear delivers both operational automation and actionable intelligence. Enterprises typically see meaningful ROI within the first year, with ongoing savings driven by reduced manual effort, improved visibility, and proactive cost control. The conversation also highlighted Lightyear's strong business momentum. Following record customer growth and product expansion, the company secured additional funding at a higher valuation, enabling increased investment in engineering, AI-driven R&D, customer support, and go-to-market efforts. According to Thankachan, this capital ensures that “everything we do for the enterprise will get better and stronger.” More information about Lightyear's platform and its AI-native telecom expense management capabilities is available at https://lightyear.ai/.

Credit Card Expert Eli Facenda shows how entrepreneurs can turn everyday business expenses into first class flights and luxury hotels using these credit card point hacks. He breaks down how to unlock 700,000-points with a special 400,000 bonus and also covers how paying payroll, rent, life insurance premiums, and potentially mortgages with these credits cards, can become a tax-efficient way to fund unforgettable travel experiences. Access All of Eli's Free Resources - https://www.freedomtravelsystems.com/betterwealth Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Introduction 01:04 Eli Facenda | CEO at Freedom Travel Systems 01:34 New Credit Card Strategy 02:20 Getting $30,000 in Value in 60 Seconds 02:42 Four Buckets of "Points People" 06:04 How to Achieve the $30,000 Return with the Capital One Venture X Business Card 08:25 Analyzing Fees for Using Credit Cards for Payroll and Mortgage 10:49 Tax Benefit of Credit Card Points 17:40 Points Arbitrage Without International Travel 19:38 Other Recommended Cards and 2026 Bonuses 24:45 The Hilton Black Market Points Story 28:33 Gifting Points to Employees and Friends 31:00 Thoughts on the Built Card for Rent and Mortgage Payments 37:16 Script for Hacking Hotel Upgrades 42:02 Purpose of Experiential Wealth and Five Regrets of the Dying 48:00 Experiential Millionaire Framework 52:08 Final Thoughts ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Analyzing where every dollar goes provides the ultimate leverage for financial independence, and in this annual tradition, we're pulling back the curtain on our 2025 household spending. From finished decks and water filters to personal trainers and pilates, we break down the total expenses for all four co-host households. We explore how intentionality often trumps deprivation, whether that means slashing Amazon spending by 90% or investing in quality athletic gear. Join us for an honest look at what it actually costs to live life on your own terms in today's economy—and find out who spent the lowest and highest this year (it might not be who you'd guess!).Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/147-2025-expense-review-from-93k-to-192k-a-tale-of-four-households/

In this episode of the Real Estate Pros podcast, host Michelle Kesil sits down with Michael Needleman, founder of Exceedia Group, to discuss how businesses—particularly in real estate—can improve cash flow and profitability through effective expense and spend management. Michael explains the importance of benchmarking expenses, avoiding operational complacency, and closely scrutinizing spending to uncover cost-saving opportunities. The conversation also explores AI's growing role in business operations, long-term real estate investment strategies, and why continuous improvement and transparency are essential for sustained financial success.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Reddit rSlash Storytime r maliciouscompliance where Really seals in the flavor You won't let me leave when I'm obviously sick? Let's see what YOUR boss has to say. Another story of a manager getting their well deserved malicious compliance Angry boss refuses expense claim and tells me to read the policy for guidance. A heavy compliance. Expense report you say? Hosted on Acast. See acast.com/privacy for more information.

Opening a restaurant requires careful budget planning across dozens of expense categories. Understanding the real costs helps you avoid running out of money halfway through. Go to https://www.posusa.com/restaurant-startup-cost-calculator/ for more information. POS USA City: Arlington Address: 2000 E Lamar Blvd #600 Website: https://www.posusa.com Phone: +1 888 243 3831

In this episode of The Catholic Money Show, Jonathan and Amanda respond to a question many Catholic families and students are asking after this year's SEEK Conference. Drawing from their experience as former FOCUS missionaries, they share insights on the evolution of SEEK, its rising costs, and the importance of the event in fostering community and spiritual growth among young Catholics. They discuss why cost alone shouldn't determine whether something is God's will, how fundraising can actually teach responsibility and stewardship, and why encounters with Christ, vocation, and conversion can't always be measured in dollars. Along the way, they address common concerns about debt, budgeting, and financial integrity in Catholic ministry—while affirming the importance of prudence, boundaries, and saying no when needed.Feeling overwhelmed by money decisions or debt? Join our free workshop, From Panic to Peace on Jan 21st.

In this episode, host Don Adeesha joins Colin Carr, founder and CEO of CARR, to audit the second-largest expense on a practice's P&L: real estate. Colin challenges the assumption that rent is a fixed cost, arguing that a lease is actually a flexible financial instrument capable of funding renovations and boosting valuation. He exposes the hidden costs of the standard dual-agency model, explaining why unrepresented tenants frequently lose $200,000 to $400,000 by failing to understand landlord psychology and the "fear of loss" negotiation tactic. Colin breaks down the hidden opportunities in lease renewals, debunking the myth that loyal tenants aren't entitled to new concessions. He details how to reset escalating lease rates to market value and leverage long-term commitments to secure significant Tenant Improvement (TI) allowances, effectively getting the landlord to fund your next build-out. He also advises on the critical 12 to 18-month timeline required to maximize leverage, warning that starting too late forces owners into a position of weakness. Finally, Colin highlights the specific lease clauses that can instantly kill a private equity exit, specifically pointing to poorly written assignability rights. He contrasts old-school "gut feeling" site selection with modern patient heat-mapping data, allowing practices to identify "Blue Ocean" locations with high demand and low competition. He concludes by urging owners to stop treating real estate as a DIY project and to engage expert representation to protect their most valuable physical asset.

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

Is Your Business Thriving at the Expense of Your Family?In this episode of Your Big Next, I'm asking a question that might sting a little, but one we need to face as founders and leaders: Is the way you're running your business costing you more than you realize at home?I share my own wake-up call. It was the moment I realized I was chasing business growth that didn't actually align with how I wanted to show up for my family. From that breaking point came a deep pivot toward identity-led leadership, where business strategy doesn't compete with your values.We talk about:Why traditional leadership models often create tension at homeThe subtle ways your business can begin to override your core identityHow I began simplifying everything — structure, offers, and expectationsA case study from a client who completely changed her leadership postureHow the Big Next Operating System helps founders lead with clarity and convictionWhether you're a CEO, coach, or service provider, this episode is your invitation to lead differently. Not by doing more, but by getting anchored in who you really are and what matters most.

G.R.A.C.E. – God's Riches at Christ's Expense. How is God's grace shown through the act of communion? How are we to respond? “Every tomorrow has 2 handles. We can take hold of the handle of anxiety or the handle of faith.” What will you choose? ________________________________________________________________________________________________ Look for HOPE is Here: - at www.HOPEisHere.Today - on Facebook - https://www.facebook.com/HOPEisHereToday - on Instagram - https://www.instagram.com/hopeisherelex/ - on X (Twitter) - https://www.x.com/hopeisherelex - on TikTok - https://www.tiktok.com/@hopeisherelex - on YouTube - https://www.youtube.com/channel/UCtJ47I4w6atOHr7agGpOuvA Help us bring HOPE and encouragement to others: - by texting the word GIVE to 833-713-1591 - by visiting https://www.hopeisheretoday.org/donate   #Lexington #Kentucky #christianradio #JesusRadio #Jesus #WJMM #GregHorn #GregJHorn #suicideprevention #KentuckyRadio #HOPEisHere #Hope #HopeinJesus #FoodForThoughtFriday #MondayMotivation #FridayFeeling #Motivation #Inspiration #cupofHope #FYP #ForYouPage #SuicideAwareness

Send us a textIdentifying and Addressing Common Financial Blind Spots for High EarnersIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses six common financial blind spots that high-income earners often face. Using a metaphor of a surgeon's pattern recognition, he explains how financial planning works and highlights the importance of coordinating financial actions to ensure a strong plan. The blind spots covered include confusing high income with a strong plan, overfunding retirement accounts, optimizing for taxes at the expense of life, focusing on net worth instead of flexibility, over-optimizing, and waiting for confidence before making changes. Hunter emphasizes the importance of having a clear plan, understanding trade-offs, and striving for flexibility to achieve financial goals and live a better life.00:00 Welcome to The Retire Early Retire Now Podcast01:30 Understanding Financial Blind Spots02:10 Blind Spot #1: Confusing High Income with a Strong Plan04:08 Blind Spot #2: Overfunding Retirement Accounts06:43 Blind Spot #3: Optimizing for Taxes at the Expense of Life07:57 Blind Spot #4: Focusing on Net Worth Instead of Optionality10:56 Blind Spot #5: Over Optimizing and Analysis Paralysis12:47 Blind Spot #6: Waiting for Confidence Before Making Changes15:22 Bringing It All Together16:12 Conclusion and Contact InformationCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm talking about an expense that most people don't have the courage to really scrutinize - their housing expenses.

QOTD: What's your ultimate “take all my money” expenditure?

Wall Street is pitching “fixed-maturity ETFs” as the perfect solution for retirees who want certainty, income, and peace of mind—but are they actually solving a problem that already has simpler answers? In this episode, Don and Tom break down what bonds and CDs really do, why fixed-maturity funds are being pushed so hard right now, and how fees quietly eat away at the promised benefits. Along the way, they explain the real role of bonds in a portfolio, why chasing yield is a trap, and how diversification and simplicity still beat clever packaging. Listener questions tackle fiduciary responsibility in 401(k) plans, loaded mutual funds, and how much international exposure makes sense in retirement. 0:04 New year opener, time anxiety, and refusing to acknowledge large numbers 1:05 What a bond actually is—and what it guarantees (and doesn't) 1:54 CDs vs. bonds: fixed maturity products that already work 2:37 Why Wall Street suddenly “needs” fixed-maturity ETFs 3:22 BulletShares, yields, and the quiet problem of fund expenses 4:45 Larry Swedroe's blunt answer: skip the fund, buy the bonds 5:24 Yield fixation and how investors ignore cost and complexity 6:05 When fixed-maturity ETFs might make sense—and when they don't 7:14 I-Bonds, TreasuryDirect, and Don's practical reality check 7:48 A simple solution: total bond fund plus a CD ladder 8:28 Why fixed maturity doesn't mean fixed safety 10:09 Expense ratios compared: broad bond funds vs. sliced products 10:35 The real purpose of bonds in a portfolio 12:04 Putting 2022's bond losses in proper historical context 12:58 Eugene Fama on Wall Street “innovation” 13:20 Listener question: fiduciary responsibility in a 401(k) plan 16:30 Listener question: A-shares, B-shares, loads, and advisor honesty 19:14 Why high fund expenses hurt more than exit fees 20:52 Listener question: international exposure in retirement portfolios 22:18 Practical global diversification without precision theater 23:02 Why Don is flexible on allocations—but not on insurance sales 23:22 How to send in questions and closing banter Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy New Year Friend!   I really enjoy a fresh New Year! After several years of trying to figure out how to simplify this online business space and after creating my first paid digital product in July, I finally feel like I have cracked the code and learned to make it simple and profitable with very little expenses and very little tech.  In 2024, I had to step back as so many people were hustling and always chasing and that is the opposite of my simplicity brand and I didn't want to get sucked into that. Sometimes I think people are so focused on business, that they truly forget the meaning of intentional time. I want Jesus and family first and my business running on its own so I have less of it.  Once I stepped back, God dropped a business that taught me how to resell high ticket affiliate items after several months of being quiet.  It opened my eyes to how simple it can be. I also created digital products of my own which this course taught me as well.  In 2025, I learned from a few creators how to set up almost everything on automation through just 1 simple platform and a free instagram account scheduling 5-7 second reels.  It was a total game changer and I made my first paid product. This is not a get rich quick scheme as it has taken me hours of learning and creating the past few years, but I now feel very confident in teaching you how to do the same even if you have never had an online business before.  These 4 steps are key to setting up a profitable business & making it simple.    You need to have an idea of a product.  AI can create the products for you so you don't even need to worry about learning Canva and if you want to learn about something new coming with AI that you haven't seen before, make sure to get on my waitlist in the link below because it has saved me so many hours not only in my business, but also my personal life and there is a free class you aren't going to want to miss so you can see how simple it is and how little time it can take you to run a business. Once you have a product, set up a Stan Store account (I wouldn't set this up until you have at least one product done unless you plan to do a membership or something you don't need a product for so you can get the 2 week free trial and test it out and make sure you like it.  My free trial will be below as well. Start making 5-7 second reels and posting them with SEO friendly messaging-this can all be scheduled out, so you really don't even need to be on the app.  You need to be authentic~there is nothing curated on my account, believe me-sometimes it is a little cringe & embarrassing, but I am always real & honest. Seriously, it can be making your bed, grabbing your laundry out of the dryer, or pouring a cup of coffee-just make a video of something you do daily.  It really is that simple. Set up Many chat so everything can be delivered automatically and they can buy straight from your store even while you sleep and you can do this for free as well.  I was so excited to get my first sale, but I was even more excited to wake up to sales!  My first sale was $27 and my husband couldn't understand why I was so excited since it was less than I make as a nurse in 1 hour.  It was because the system works, it wasn't at all about the $27, it was about the simple automated system.     Lets make this year, your best year yet! Monica Q&A Live Call here -> https://stan.store/ClaimingSimplicity/p/learn-to-make-money-online-waitlist FREE Stan Store 2 week trial (scroll to bottom) -> https://stan.store/ClaimingSimplicity AI Waitlist -> https://stan.store/ClaimingSimplicity/p/early-access-waitlist-urcpg715 Please reach out if you have any questions at all! Monica    

Reaction 4: Disneyland Is NOT an Educational Expense If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

One Law Firm Expense You MUST Prepay in 2025 If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

Larry Winget delivers a hilarious, no-nonsense lesson on customer service, personal responsibility, and common sense. Through stories about cheeseburgers, Sonic Drive-In, rude clerks, and “company policy,” he shows why flexibility beats rules, customers always vote with their money, and service businesses live or die by how they treat people.JOIN QOD CLUB. Ready to find your people? Join QOD Club and connect with a community of likeminded QOD listeners. Get weekly Monday Mentorship calls, Wednesday Book Club discussions, ad-free QOD episodes, and access to Money Mind Academy. Plus, online business trainings — marketing, social media, podcasting, and more — coming in January. Start your 30-day trial today for only $9!GET MY TOP 28 BOOK RECOMMENDATIONS: Click here to get your free copy of “28 Books That Will Rewire Your Mindset for Success and Self-Mastery” curated by yours truly!Source: Larry Winget Opryland Hotel 2000 Hosted by Sean CroxtonFollow me on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you curious about what my business finances looked like this year? In today's episode, I'm recapping where I spent my money in 2025. Plus, how I more intentionally invested based on my “why.” Clocking In with Haylee Gaffin is produced by Gaffin Creative, a podcast production company for creative entrepreneurs. Learn more about our services at Gaffincreative.com, plus you'll also find resources, show notes, and more for the Clocking In Podcast.Find It Quickly: Tools (3:20)Travel (5:16)Coaching (13:12) Communities (15:27)Paid visibility (16:58)My team (18:24)Looking ahead to 2026 (20:12)Mentioned in this Episode:Get on the waitlist for Mic Check Retreat: gaffincreative.com/retreatEpisode 152 What My Year of Investing in My Business Looked Like: gaffincreative.com/152-what-my-year-of-investing-in-my-business-looked-likeConnect with Haylee:Gaffin Creative: gaffincreative.comInstagram: instagram.com/hayleegaffinSoundboard Society: gaffincreative.com/soundboardReview the Transcript: https://share.descript.com/view/9UwGoZaM7LF Hosted on Acast. See acast.com/privacy for more information.

Algorithms and automations have been buds for a decade plus.

Why does it feel like the harder you work, the further ahead others get—and the further behind you fall? In this explosive episode, Paul Musson, author of Capital Offence and host of the Paulitical Economy™ podcast, joins Lisa G. on the WholeCEO Podcast to break down the real reasons ordinary people are losing wealth in a system designed to favor a select few. Paul is known for turning mind-bending economic concepts into clear, simple truths—and this conversation uncovers the hidden mechanics shaping your financial life, your future, and your freedom. If you've ever felt the system wasn't built for you… you need this episode.

In this episode, Don and Tom saddle up for a tour through Schwab's “Good, Bad, and Ugly.” They applaud CEO Rick Wurster's warning about the growing overlap between gambling and investing, take a hard look at Schwab's retail-side conflicts and non-fiduciary sales practices, and then recoil at the truly ugly: Schwab's acquisition of Forge Global and its push to open private-company speculation to everyday investors. From there, they field listener questions about crypto's pointless search for a purpose, how to implement a disciplined 5 percent retirement withdrawal strategy, the ins and outs of tax-free Vanguard mutual-fund-to-ETF conversions, and whether a younger spouse should convert a large TSP balance to Roth. It's classic Talking Real Money: skeptical, practical, consumer-first, and mildly exhausted by the Wild West of modern finance. 0:04 Investing as the Wild West and why caveat emptor still defines the industry 0:24 Schwab's role as custodian vs. broker and how they reshaped trading costs 1:14 Schwab's discount-broker origins and institutional dominance 2:37 Free trades, market influence, and why Schwab became the industry's leader 3:52 CEO Rick Wurster's warning about gambling creeping into investing 4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead 5:54 The “bad”: Schwab retail selling and the fiduciary confusion 6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation 7:23 Why private equity is riskier, pricier, illiquid, and over-hyped 8:17 The myth of private companies outperforming public ones 9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors 10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem 13:00 Currency concerns and why crypto still solves nothing 13:50 5 percent withdrawal strategy: when and how to draw from your portfolio 15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline 16:47 Why withdrawals should follow rebalancing, not lead it 17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they're useful 20:10 Expense-ratio savings vs. capital-gains distributions 20:55 TSP-to-Roth conversion question: tax-rate timing matters 22:44 Only convert if you can pay taxes from outside savings 23:08 Reminder: free adviser meetings, no sales pressure 24:10 TRM's longevity and approaching episode 2,000 Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textAaron unloads on the Air Force Special Warfare leadership with the fury of a thousand ignored NCOs. If you're wondering why morale is in the toilet and retention's circling the drain, look no further than the clown show running the pipeline overhaul. Instructors? Ignored. Functional managers? Ghosted. Messaging? Nonexistent. This isn't just poor leadership—it's sabotage disguised as progress. If you're in charge and this episode hits a nerve… maybe that's the point. Fix it—or get out of the way.

Are you stuck over-analyzing your first storage deal? Wondering whether to wait for the big 30,000+ sq ft opportunity or just pull the trigger on something smaller? In this episode, Alex breaks down the real truth behind deal size, what actually matters, what doesn't, and how to figure out which type of facility fits you. Whether you're brand-new or already shopping for your next building, this framework will help you move faster, think clearly, and stop missing opportunities. You'll Learn How To: Know if you should start with a small facility or swing bigger on deal one Underwrite a small deal without getting trapped by tiny margins Spot the hidden upside in mom-and-pop operations most buyers overlook Build confidence, credibility, and deal flow one win at a time Use momentum as fuel to scale instead of waiting for the perfect deal What You'll Hear in This Episode: [00:55] Why most new investors stall out deciding between small vs big deals [02:30] The 3-factor framework to pick your ideal first facility [05:45] Why small deals create confidence, cash flow, and momentum fast [07:15] The upside in mom-and-pop facilities and how to unlock it [10:40] Expense ratios, risk, and the one mistake rookies make most [14:20] The rule of thumb for underwriting small storage facilities [17:50] Real stories: how members used small wins to scale into bigger deals [25:10] When going big actually makes more sense [27:45] The Buy Box Blueprint that removes guesswork and saves months Who This Episode Is For: New investors stuck in research mode and scared to make the wrong move Anyone debating deal size and unsure where to start Operators who want clarity, confidence, and forward motion Investors ready to stop watching others win, and start stacking their own Why You Should Listen: Because the wrong first deal isn't a small one or a big one, it's no deal at all.This episode gives you the clarity and framework to move, decide, and finally step into your first or next storage win. Whether your path starts small or launches big, the key is momentum, and today's episode shows you how to build it. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/