Podcasts about Expense

Looking for a fractional CFO to help you regain control over your business finances? In this powerful conversation, Justin Boyd, founder of Cashflow Copilot, reveals actionable strategies that help business owners overcome financial chaos and drive sustainable profitability.This episode is essential for high-income professionals and entrepreneurs seeking clarity on:How to build a winning financial blueprintMastering cash flow strategy and financial forecastingIdentifying and improving gross profit margin and net incomeReal-world applications of the Profit First methodWhat most service providers get wrong with their pricing strategyNavigating seasonal downturns and preparing for economic uncertaintyIf you're a doctor, dentist, lawyer, or service business owner wondering why your revenue doesn't translate into actual profit — this episode answers that exact question. Justin's work as a fractional CFO goes beyond the numbers; he delivers financial clarity and becomes your strategic co-pilot, guiding you through the numbers, metrics, and margins that matter most.Justin breaks down key frameworks and tools that small businesses need to forecast future growth, make informed decisions, and get ahead of cash flow issues — all while keeping your pricing aligned with market demands and internal profitability needs.Get answers to these burning questions:Why is my business generating 7 figures but still not profitable?How do I calculate the right price strategy for my services?What financial KPIs should I track monthly?How can I avoid running out of cash during slow months?What makes Profit First more than just a buzzword?

Tom kicks off with a check-in on bond market returns, reminding listeners that bonds are about stability, not yield-chasing. He's joined by advisor Roxy Butner, who helps answer listener questions about fixed-allocation vs. target-date funds, how much international exposure is enough, Ameriprise “CL” fund share classes with high fees, and whether hybrid long-term care annuity products are worth considering. Together they emphasize cost awareness, simplicity, and aligning investments with real-life needs instead of sales-driven products. 0:04 Intro and bond returns update (BND, DFIGX, SWSBX) 2:30 Why bonds belong in portfolios despite modest returns 2:47 Mailbag intro with Roxy Butner 3:13 Shelly asks about fixed-allocation vs target-date funds 5:34 Balanced vs LifeStrategy funds and international exposure 7:01 Frank asks about U.S. vs international allocation split 8:23 AVGE, DFAW, and “overthinking” the international percentage 10:39 Decades of U.S. vs international performance 11:15 Angie asks about Ameriprise “CL” fund share classes 13:32 Expense ratios and fiduciary concerns 14:54 Comparing low-cost index alternatives 15:18 Ford asks about hybrid LTC annuity products 17:30 Income planning first vs peeling off money for LTC 18:34 Real-life client experiences with LTC riders 20:33 Policy complexity, surrender decisions, and care costs Learn more about your ad choices. Visit megaphone.fm/adchoices

It's a subject that many find uncomfortable, but is a necessity - how to handle the end of life. Kathryn is Treza Gallogly, she's the chair of the End of Life Doula Alliance Aotearoa.

Visit our website: https://www.thewealthwarehousepodcast.com/Welcome back to another episode of Wealth Warehouse!Welcome back to another addition of Wealth Warehouse – in this week's special episode, you get yet another sneak peek into the IBC webinar that Dave and Paul run each and every month.In this month's webinar, Dave dives into policy design and what it looks like to actually run your policy in year 1, year 2 and beyond. What will it look like? Additionally, from the other webinar members, Dave and Paul field questions on policies and divorces, what a “big expense” counts as and much more!Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Teaser1:51 - Episode beginning3:15 - Capturing big annual expenses7:37 - Diving into policy design13:13 - Year 1 of your policy15:55 - End of Year 116:57 - Year 219:05 - Year 325:45 - Other expenses32:05 - “What about loan interest?”34:25 - Looking at everyday purchases/expenses43:18 - Policies and divorces48:29 - Starting a policy for debt consolidation50:59 - Best way to introduce IBC to your friends/family56:43 - What financial advisors tell you about 401k1:00:54 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

In this thought-provoking episode, Paul Musson, President of Paddington Capital Management and author of Capital Offence: Why Some Benefit at Your Expense, breaks down how flawed monetary systems impact us all. From distorted interest rates to rising housing prices, Paul reveals why future generations bear the cost—and what we can do to fix it.00:35- About Paul MussonPaul is the President of Paddington Capital Management Inc.He's an author of a book titled Capital Offence: Why Some Benefit at Your Expense.

Welcome back to Belk on Business! I'm Josh Belk, and in this episode, we're continuing our series on the recent legislative updates within the “Big Beautiful Bill.” Today, I'm breaking down two major topics that will impact a wide range of business owners: updates to the Research & Experimentation (R&E) credit, and new thresholds and requirements for issuing 1099 forms.If you're engaged in any kind of product development, software design, or custom business solutions, the R&E credit could unlock meaningful tax savings. And if you're working with contractors or freelancers, the new 1099 rules are essential to stay compliant in 2025 and beyond.3 Key TakeawaysR&E Credit Refined and Expanded: Businesses with under $31M in annual receipts can now fully expense domestic R&D costs in 2025 and 2026—no amortization required.1099 Thresholds Increased: Starting in 2025, the threshold for issuing 1099s (NEC and MISC) increases from $600 to $2,000, reducing compliance headaches for many small businesses.Startups Can Offset Payroll Taxes: Eligible startups may use R&E credits to offset up to $250,000 in payroll tax liability—an excellent benefit for growth-stage companies.Episode Timeline & Highlights[0:00] - Intro to today's focus: R&E credits and 1099 compliance[1:10] - What qualifies as R&E: The four-part test explained[5:20] - Expense vs. amortization rules based on company size[6:03] - Retroactive application for expenses dating back to 2021[7:06] - What qualifies for the credit and what doesn't[8:27] - How R&E credits can be used against payroll taxes[9:13] - New 1099 thresholds and what's changed[10:17] - Why collecting a W-9 is critical before paying contractors[11:02] - 1099-K rules for online sales and merchant accountsLinks & ResourcesIRS R&E (R&D) Credit Details: https://www.irs.gov/credits-deductions/individuals/research-creditForm W-9 (Request for Taxpayer Identification): https://www.irs.gov/forms-pubs/about-form-w-91099 Filing Guide: https://www.irs.gov/forms-pubs/about-form-1099-necIf this episode helped clarify these tax changes for you, be sure to follow, rate, and review Belk on Business. And don't forget to share it with another business owner or financial leader in your network. Stay sharp and compliant—until next time!

Welcome to a new episode of Business Lunch! Today, hosts Roland Frasier and Richard Lindner dive deep into a practical framework for optimizing business expenses—perfect for founders, business owners, and financial leaders. Whether you're facing a cash flow crunch or simply want to boost your bottom line, this episode is packed with actionable strategies to help you identify, analyze, and cut unnecessary costs while maintaining business momentum.Highlights:"Every extra million dollars helps, every extra $100,000 a month helps.""Profit dies by a thousand cuts, especially with forgotten subscriptions.""Don't wait for things to get bad to make things better.""If you're operating on a 25% profit margin, cutting $100,000 is like adding $400,000 in sales."Timestamps:00:00 – The Payment Terms Dilemma: Cash Flow vs. Sales Velocity01:32 – Why Every Business Needs a Bottom Line Review03:10 – Testing 12-Month Payment Terms: Results & Risks06:24 – The Impact of GAAP Accounting on Revenue Recognition08:40 – The STOP Framework: Where to Start Cutting13:24 – Evaluating Team ROI: Scorecards & Underperformance15:39 – Tools & Tech: The Hidden Cost of Subscriptions18:59 – Operations & Overhead: Renegotiating Leases and Utilities26:46 – The SAVE Process: Scan, Analyze, Verify, Execute34:56 – Why Quarterly Expense Reviews MatterCONNECT • Ask Roland a question HERE.RESOURCES:• 7 Steps to Scalable workbook • Get my book, Zero Down, FREETo learn more about Roland Frasier

Grant is back reacting to new storylines from Packers Training Camp and NFL trade requests. The Brewers beat the Cubs 7-0 and Grant has fun with sound from Chicago media outlets. See omnystudio.com/listener for privacy information.

Venus Williams returned to tennis—for the health insurance. In this episode, Mike Douglas uses her story to spotlight a major retirement blind spot: healthcare costs. From Medicare premiums to long-term care, Mike shares real-life examples and four key strategies to help retirees plan for medical expenses without sacrificing their lifestyle. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Guest: Claire Newell, founder and President of Travel Best Bets Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Know Your Numbers REI Podcast! In this episode, host Chris McCormack, founder of Better Books, dives deep into the often-overlooked benefits of insurance from a tax perspective.Are you an entrepreneur, investor, or business owner feeling overwhelmed by taxes and accounting? Chris shares valuable insights on how to turn insurance from a mere expense into a powerful financial tool. Discover how cash value life insurance and captive insurance can help you save thousands in taxes, protect your assets, and even transfer wealth tax-free to your beneficiaries.Whether you're just starting out or looking to optimize your financial strategy, this episode is packed with actionable advice to help you navigate the complexities of insurance and taxes.Don't forget to follow for more insights on managing your finances and reducing your tax burden!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

Tune in as we unpack how IT Asset Disposition can be so much more than a necessary expense. In this episode, we share practical examples and market benchmarks that show how the right approach can cut costs, minimise waste, and even turn a profit. Hear how forward-thinking organisations are transforming their ITAD strategies — and get ideas you can put into action in your own. Want to know more? Well, why not watch our on-demand webinar. Register here: https://us06web.zoom.us/webinar/register/WN_8qtY8p0CQpm3C1FQgCa8RA#/registration

Join us for ⁠BookThinkers LIVE 2025⁠! Happening Novemeber 9, 2025!⁠https://www.bookthinkers.com/book-thinkers-live-2025In today's episode, we have the pleasure to interview Paul Musson, author of Capital Offense: Why Some Benefit At Your Expense.Paul is a veteran investment expert and the founder of Paddington Capital Management. With over 30 years in the financial industry—most notably as the lead portfolio manager for the Ivy Funds at Mackenzie Investments—he brings a deep, insider understanding of how our economic system truly works. Through his blog, Paulitical Economy, Paul breaks down complex economic issues into clear, actionable insights for everyday people.In this episode, you'll learn why inflation is a hidden form of wealth transfer, how central bank policies distort real value, and what every citizen needs to understand about the money system before it's too late. Paul also shares why he believes education—not conspiracy—is the key to systemic change.Now get ready to learn and enjoy this incredible conversation with Paul Musson.To Learn More about Paul and buy his book visit: The Book: https://a.co/d/dn2UPLVWebsite/Socials: https://paddingtoncapitalmgmt.com/https://x.com/paddingtoncap Chapters: 0:00 Intro1:34 Problems for investors bad policies makers and short-term views8:09 Understanding motivations of key financial agents11:23 Becoming aware of what is going on17:28 How to communicate relevant information with simplicity21:40 What is money and capital creation?28:46 Benefits from inflation for the government30:54 The problem with the housing market and redistribution of wealth without capital creation39:31 Consequences of current economic policies for young adults47:31 “Be free & do no harm”________________________________________________Join the world's largest non-fiction Book community!https://www.instagram.com/bookthinkers/The purpose of this podcast is to connect you, the listener, with new books, new mentors, and new resources that will help you achieve more and live better. Each and every episode will feature one of the world's top authors so that you know each and every time you tune-in, there is something valuable to learn. If you have any recommendations for guests, please DM them to us on Instagram. (www.instagram.com/bookthinkers)If you enjoyed this show, please consider leaving a review. It takes less than 60-seconds of your time, and really makes a difference when I am trying to land new guests. For more BookThinkers content, check out our Instagram or our website. Thank you for your time!

Tourism development in West Sumatra turned out to be carried out without considering the ecological or environmental side. - Pengembangan pariwisata di Sumatera Barat ternyata dilakukan tanpa mempertimbangkan sisi ekologi atau lingkungan.

Lee Cockerell was Disney World's Executive Vice President of Operations for over a decade There he oversaw the daily operations and guest experience for all of its theme parks, hotels, and properties. He is often brought in to an organization looking to improve its customer service. He famously once told a potential client, "If you think of this as an expense and not an investment, don't use me." In the episode, we reframe the process of recovery as an investment, not an expense. Get the full show notes here: https://recoveredman.com/356   PLUS: Whenever you're ready... here are 4 ways I can help you in your recovery:   Porn Free This Year (Free video course) http://recoveredman.com/thisyear   Buy the book, Porn Free by Matt Dobschuetz http://pornfreebook.com Join a REV Group http://recoveredman.com/rev   1-on-1 Coaching with Matt Dobschuetz https://recoveredman.com/coaching

Dentist, optician, teeth, glasses... Stone the crows! Expense! Local councils might be selling off allotment for developers to build houses. Sacrilege! I hope you're keeping well. Let's have a good old moan!

On this episode of Fox Across America, Jimmy Failla gives his take on Massachusetts Senator Elizabeth Warren proudly endorsing Zohran Mamdani and his socialist policy proposals while appearing alongside the mayoral candidate at an event in New York City. Fox News Political Analyst Gianno Caldwell shares his thoughts on your radio buddy's suggestion that Bud Light should hire Sydney Sweeney to save face following the beer company's disastrous partnership with transgender influencer Dylan Mulvaney in 2023. PLUS, host of Outkick's “Tomi Lahren Is Fearless” Tomi Lahren sheds light on the Democratic Party's worsening problems with voters. [00:00:00] Sen. Warren touts Mamdani's socialist policies [00:37:50] How Bud Light can right the wrongs of the Mulvaney disaster [00:56:55] Gianno Caldwell [01:15:40] DOJ starting grand jury probe into the Russiagate hoax [01:34:10] Tomi Lahren Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you ever faced an upcoming surgery—not just anxious about the procedure itself, but also wondering how you'll cover the cost?Imagine if someone stepped in to guide you through the process, coordinating the details and helping you navigate the expenses. Good news: that kind of support is available, and Lauren Gajdek is here to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. A New Offering: The Complete Surgical Care SolutionAs the nation's longest-serving faith-based health cost-sharing ministry, CHM has helped Christian families with over $12 billion in medical bills over the past 40 years. CHM operates as a biblically based nonprofit organization, offering believers a unique way to meet healthcare needs—through the power of community, compassion, and cost-sharing.At no additional cost to members, CHM has launched a groundbreaking program called the Complete Surgical Care Solution (CSCS). This service guides members through the entire process of having surgery or a medical procedure—from finding the right surgeon to managing paperwork and bills.It's a “curated experience” designed to walk alongside members during a challenging time. It's personalized, turnkey, and stress-free—requiring nothing more than active CHM membership.A Real-Life Story: Chloe's Journey to HealingChloe is a teenage softball player who struggled with recurring hip and leg pain. When surgery was recommended, her family turned to CHM and its surgical solution program.Through CHM's help, Chloe was connected with a top-quality surgeon for a hip replacement. The ministry even covered some of the family's travel expenses. Ultimately, CHM covered more than $145,000 in eligible medical bills. Plus, Chloe's family received a $1,250 credit toward their out-of-pocket costs.The family described the entire experience as feeling like they were “surrounded by family.” That's the kind of ministry CHM strives to be.How to QualifyThe process is simple. Members need:A diagnosis from a healthcare providerA recommendation for surgeryIf the procedure qualifies, members can reach out directly to CHM—and from there, the ministry handles the rest.Whether you're facing a surgery or seeking a faith-based alternative to traditional insurance, CHM offers compassionate, biblically grounded support every step of the way.Visit CHMinistries.org/FaithFi to explore CHM's offerings and see how this ministry can walk with you through life's medical challenges.On Today's Program, Rob Answers Listener Questions:I'm in danger of losing my home. The mortgage company offered me a forbearance and a loan modification, but I still can't afford the payments. Now they're telling me to wait for a denial and reapply, but I'm concerned they might be pushing toward foreclosure since there's a lot of equity in the home. What are my options?I'm the executor of my parents' estate, which was settled about three years ago. How long do I need to keep the estate's tax returns and supporting documents?My daughter and her husband want to buy a house, but their credit has been affected due to some late car payments. They've asked me to cosign the mortgage. I love them and want to support them, but I'm not sure if cosigning is the right move. What should I consider?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)CHM's Complete Surgical Care Solution (CSCS)HUD.gov (U.S. Department of Housing and Urban Development)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, Alex wraps up his powerful 4-part training series by tackling a topic most agents avoid—budgeting and expenses. He breaks down what it really means to run your real estate career like a business. From marketing and CRM systems to coaching and assistants, Alex shares how smart, intentional investments have helped him cut work hours in half while growing his brand. If you're ready to shift from hustle to strategy, this episode delivers the roadmap.

Are you ready to learn how to get out of debt while cutting expenses without hating your life? In this episode of the Get Out of Debt Guy Show, I'm joined by Damon Day to unpack simple, sustainable debt advice that makes saving money feel manageable. We explore realistic spending habits that can sabotage your financial goals—like trying to impress others—while providing smarter choices such as buying a used car at the right depreciation point and understanding how technology is transforming car ownership. Additionally, we delve into how leasing can actually make sense, how small thermostat tweaks can lead to significant savings, and how to stop wasting money on things that don't contribute to your happiness. This episode is filled with real talk, effective strategies, and all the actionable advice you need to give your bank account a well-deserved breather without going full monk mode.This one's about real talk, real strategy, and giving your bank account a breather—without going full monk mode.For more resources, visit https://getoutofdebt.orgWant help figuring out your next best step? Reach Damon at https://damonday.com

Exhausted or Just Underpaid? How to Know When It's Time to Raise Your RatesIf opening your laptop fills you with dread, you're not alone—and you're not lazy. You might just be undercharging.In this episode, Shanté breaks down the very real difference between burnout and a broken business model. Because sometimes it's not your work ethic that's the issue—it's your pricing. And until you fix that, no productivity hack will save you.Whether you're maxed out on deliverables, stuck in client churn, or afraid you'll lose everyone the second you raise your rates, this episode walks you through the mindset, math, and systems to make a sustainable change.We'll cover:How to tell the difference between burnout and undercharging (and when it's both)Why easily booking clients might be a red flag—not a winThe real math behind rate increases—and why fewer clients at higher rates is the moveWhat systems you actually need to justify a premium priceBurnout isn't a rite of passage. It's a sign. And often, that sign is pointing toward pricing that doesn't support the business—or life—you want to build.If you're ready to stop running on fumes and actually build margin into your model, check out the Pricing & Packages Masterclass. It includes:The Profitable Pricing Calculator (so you know your exact rates)Expense checklists most creatives forgetPre-designed package menu templatesConfidence-building pricing scriptsIt's the toolkit to help you stop guessing—and start charging what you need to thrive.Mentioned in this episode:The Back OfficeYour free resource hub with 7 years of Shanté's best trainings, templates, and field notes organized by topic. Everything that's helped her clients and mentees build profitable social media businesses—now in one searchable place. Get instant access: https://community.sugarpunchmarketing.com/

Episode 4661: On The Verge Of AI Bank; Empowering Government At The Expense Of The Private Sector

Want to live a better balanced life and win in marriage AND business at the same time? Purchase our (audio) book Tandem: The married entrepreneurs' guide for greater work-life balance. https://www.thetandembook.com/ Download the 5 Daily Habits to Thrive in Tandem https://marriedentrepreneur.co/5-daily-habits-download  Need some insight into how to balance it all? Schedule a free discovery call. https://marriedentrepreneur.co/lets-talk In this deeply vulnerable and inspiring episode of Thriving in Tandem, we're joined by Krystal Parker, President of the U.S. Christian Chamber of Commerce. Krystal shares her raw journey from corporate executive climbing the ranks of a Fortune 200 oil and gas company to discovering the devastating cost of success when it came at the expense of her marriage and family. What looked like professional triumph on the outside masked a crumbling home life and personal disconnection from what mattered most. As Krystal takes us back to the peak of her corporate climb—fueled by power, ambition, and external validation—she candidly reveals the blind spots that hurt her marriage ending and relationship with her young daughter. But in the aftermath of that breaking point, Krystal discovered what true leadership and intentional living looked like. From restructuring her work-life rhythms to raising up her team, and ultimately placing God and family at the center, her story offers hope and a powerful reminder that redemption is possible. Whether you're in a season of hustle or navigating growing pains in business and marriage, Krystal's testimony is a call to evaluate where your time and heart are going. She shares practical boundaries she and her husband now implement, how she keeps her daughter a priority, and the critical difference between using work as worship instead of worshiping work. This is a must-listen for married entrepreneurs who don't want to succeed in business only to lose what truly matters most. Key Takeaways: Success without alignment can destroy what matters most. Krystal's corporate rise came with sacrifices she didn't fully see until her marriage and family unraveled. You are irreplaceable at work but you not at home. Delegating empowered Krystal's team and freed her to re-engage with her daughter and home life. Boundaries and intention create lasting connection. Krystal and her husband carve out intentional moments—even in busy seasons—to stay united and keep God at the center of their marriage. Chapters 00:00 Introduction to Thriving in Tandem Podcast 02:01 Crystal Parker's Journey in the Oil and Gas Industry 10:11 Challenges of Balancing Career and Family Life 12:00 The Turning Point: Becoming a Solo Parent 18:07 Finding Balance in a New Marriage and Career 23:53 Lessons Learned and Final Thoughts  

Don and Tom dive into the new “big, beautiful” tax bill with humor and skepticism, covering changes to Social Security taxation, tips and overtime exemptions, expanded SALT deductions, and the controversial $1,000 baby bonus. They also tackle listener questions on Roth vs. IRA asset protection, portfolio rebalancing confusion, and lazy robo-advisory allocations. Bonus: helium speculation, trade school love, and a jab at politicians who pander. 0:04 Intro: “Dearly beloved…” it's tax time 1:10 Overview of the “Big Beautiful Bill” and $4T impact 1:25 Tips and OT tax exemptions starting in 2025 2:09 Social Security tax break: $6K per person if under income limits 3:28 Standard deduction and new child tax credits 4:13 $1,000 newborn savings account—free government money 5:17 SALT deduction expanded to $40K for four years 6:44 Property and sales tax deductions clarified 7:48 Guilt over tax breaks? Try a Roth gift for the grandkids 8:27 The “kid account” vs. 529 plans vs. UGMA 10:58 Trade school > AI: real jobs that can't be outsourced 12:42 Don rants on political pandering in the bill 13:47 Listener Q1: 401(k) rollover and asset protection in Washington 16:17 IRA protections state-by-state 16:52 Listener Q2: Does rebalancing mean switching investments? 18:34 Rebalancing means returning to plan, not chasing trends 20:04 Show plug: Owen Wilson's helium speculation on “Stick” 21:28 Listener Q3: Is this Vanguard robo-portfolio too lazy? 22:47 Why it's impossible to rebalance between Roth and IRA accounts 23:58 Listener Q4: What's really inside DFAW? Core 1 vs. Core 2 27:26 Core 2 = more small/value tilt; DFAW ≈ AVGE 28:26 Expense ratio difference between DFAW and AVGE is negligible Learn more about your ad choices. Visit megaphone.fm/adchoices

Lloyd Howell was expensing trips to strip clubs (and the ATM), and colluding the league, unbeknownst to the players

Can we fully know and understand what grace is and what grace brings us. I've heard it said grace is God's Redemption At Christ's Expense as well as, grace is God's unmerited favor. What does that mean? How do we explain what grace is? I'm not sure we can fully but we try our best in this podcast. Paul starts out chapter one with grace and he ends it with grace. There's a lot of things sandwiched in between that may help explain what grace is and does. One thing for sure, without God's grace, we wouldn't even be alive to listen to this podcast! Don't take grace for granted!

From the archive - This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Nate Meadows is the Head of Marketing for ClearSpend. He carefully crafts marketing campaigns, voice, and reputation with the ease of folding a burrito. Prior to Nate's career in marketing, he was in Weapon Systems Intelligence for the United States Air Force. Top 3 Value Bombs 1. If you have the right DNA, are passionate, and are driven, then you can be successful. 2. One of the biggest challenges a small business has is Cash Flow. 3. We have to find ways to automate the trivial things to make our lives easier. Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Wix - Ready to create your own website? Go to Wix.com to start building your website today. Public - Build a multi-asset portfolio of stocks, bonds, options, crypto, and more. Go to Public.com/fire to fund your account in five minutes or less. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA and SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability - verify independently before use. Rate as of 6/24/25. APY is variable and subject to change. Terms and Conditions apply.

The Transport Minister insists he won't allow Dublin Airport to grow at the expense of Shannon. The Dublin facility recorded its busiest ever June last month with a total of 3.5 million passengers passing through its gates. Shannon meanwhile has seen a 7% increase in passenger numbers from January to June compared to the same period in 2024. Speaking in the Seanad, Minister for Transport Darragh O'Brien says while Dublin requires considerable investment to accommodate rising numbers, Shannon won't be left behind.

Send us a textIn this episode of the Private Practice Survival Guide, we discuss the key performance indicators (KPIs) that private practice owners should track when evaluating Total People Expense (TPE). We explain how to analyze fixed vs. variable costs, calculate expense-to-revenue ratios, and measure employee productivity to ensure your staffing costs align with overall business goals. The episode also explores how to use KPIs to identify inefficiencies, optimize workforce allocation, and improve profitability. By consistently tracking these metrics, you can make smarter staffing decisions that support long-term financial stability. Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

A story about choosing overlooked markets—and winning by design.For SaaS founders who feel stuck chasing trendy markets—and anyone wondering if there's more money in solving unglamorous problems than building the next shiny thing.Most SaaS companies chase crowded markets because they seem exciting.They fail because they're fighting for scraps in oversaturated categories.Marne Martin, CEO of Emburse, took a different path.After 30 years in software, she chose the "unsexy" expense management space when everyone else was chasing AI startups and flashy consumer apps.At Emburse, she's helping finance teams to elevate their work by applying the focus and discipline of elite athletes to modernize spend in their organizations.And this inspired me to invite Marne to my podcast. We explore how treating your company like an elite athlete creates sustainable competitive advantage. Marne shares insights about choosing markets others avoid, building profitable unit economics in private equity environments, and applying AI where it actually drives revenue. You'll discover her simple filter that eliminated wasted innovation.We also zoom in on two of the 10 traits that define remarkable software companies: – They master the art of curiosity – They offer something valuable and desirableMarne's story is proof that traction often starts by doing what most others avoid.Here's one of Marne's quotes that captures her investment philosophy:"There are a lot of cool things that I wouldn't be willing to pay for, right? So you have to make sure you're not just doing things because you're cool or you're curious, but because there's a market for that."By listening to this episode, you'll learn:Why choosing "boring" markets eliminates competitionWhat elite athlete principles mean for SaaS companiesWhen AI investments actually drive profitable growthWhy unit economics matter more than cool featuresFor more information about the guest from this week:Guest: Marne Martin, CEO of EmburseWebsite: https://www.emburse.com/

BREAKING NEWS! Transfer guru Fabrizio Romano has confirmed that Olympique Lyon have won their appeal against relegation, securing their place in Ligue 1 for the 2025/26 season! In this electrifying live episode of Forest Fan TV, Wolfie dissects the massive implications of this decision for Nottingham Forest's European hopes, as the Reds were in line for a potential Europa League spot if Lyon's relegation had been upheld. With Crystal Palace's Europa League status now likely secured due to Lyon's survival, Wolfie explores how this affects Forest's ambitions in the Europa Conference League and whether Nuno Espirito Santo's squad can still make waves in Europe. Jump into the live chat and share your thoughts—how does Lyon's Ligue 1 lifeline change Forest's season outlook? Wolfie dives into the ripple effects of Lyon's successful appeal, discussing how it could influence Forest's transfer strategy, including their pursuit of Lyon's star winger Malick Fofana, who was linked with a £60m move to the City Ground. With Lyon no longer facing a fire sale, will Forest still push for Fofana or pivot to other targets like PSV's Johan Bakayoko to bolster their attack after Anthony Elanga's £55m-£60m exit to Newcastle? Join the live conversation to debate what this means for Evangelos Marinakis' vision and Forest's squad depth as pre-season training begins. Don't miss out—get in the chat, let us know your reactions to this game-changing news, and hit like, subscribe, and the notification bell for all the latest Forest Fan TV updates! #nffc #lyon #nottinghamforest Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textIn this episode of the Private Practice Survival Guide, we discuss how to calculate and manage your Total People Expense (TPE) to ensure your private practice remains financially healthy and operationally efficient. We break down all the components that make up TPE—including wages, benefits, taxes, software costs, and compliance-related expenses—and how these costs directly impact your revenue. The episode also highlights best practices for keeping your TPE within a healthy percentage of gross revenue while still offering competitive compensation and benefits. Understanding TPE is essential for making informed hiring decisions and optimizing profitability. Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

In a world spiraling into darkness, one man stood out—not by strength or status, but because he found grace in the eyes of God.

And the Browns get everything they asked for Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom tear into the lunacy of financial predictions—starting with famed doomsayer Nouriel Roubini suddenly turning optimistic (is that a good sign or a terrifying one?). Then it's onto Ron Baron and his wildly volatile, high-fee Barron Partners Fund, which beat the QQQ—barely—by taking massive concentrated bets on Tesla and SpaceX. Finally, they answer listener questions about portfolio diversification, international exposure, and outrageously overpriced 401(k) fund options (Nationwide, we're looking at you). It's a full-on roast of Wall Street's ego-driven nonsense with a side of smart, actionable advice. 0:04 Predicting markets is impossible—so why do people still listen to those who try? 1:50 Dr. Doom (Nouriel Roubini) turns into Mr. Boone—predicting good times ahead 3:35 Roubini blames AI and nuclear fusion for his new optimism 4:57 Don's rule: All predictions are a prehistoric brain trap 5:20 Ron Baron and his Partners Fund—poster child for active management hype 6:41 Nearly half the fund is in two holdings: Tesla and SpaceX 8:44 From $10K to $6.5K in 6 months: the cost of extreme concentration 9:47 Expense ratio: 2.25%—with $7.5B in assets? Outrageous 10:54 Why high-flyer funds are built to crash hard, too 11:39 Investing in Barron = trying to beat the market (and probably failing) 13:14 Lost 43% in 2022—twice the S&P's loss 13:48 But in 2020? Up 150%. Thanks, Tesla 14:51 Listener Q: Army major wants to clean up his Roth portfolio 16:10 Don and Tom: Scrap the mid-cap clutter—go global with VT 17:59 Listener Q: New job, horrible 401(k) fund choices—can he still contribute? 19:03 Nationwide's 93-basis-point index fund sparks full-on Don rant 20:14 High fees vs. tax breaks: what wins? 21:31 Why the financial industry is addicted to greed 22:11 Appella's no-pressure offer to review your portfolio 23:04 Don's publisher's clearinghouse FaceTime scam story Learn more about your ad choices. Visit megaphone.fm/adchoices

China says it firmly opposes any country making trade deals with the United States at its expense. It cautioned that if such a situation arises, the country will take countermeasures to safeguard its legitimate rights and interests.

Mary Jo lays out why premiums belong in your budget—not on the back burner. Protecting your future shouldn't be an afterthought. Audio Production by Podsworth Media - https://podsworth.com 

How to write your weekends off as a business expense when you travel.

Don and Tom unpack Morningstar's latest “5 of the Best” investing methods, praising the simplicity of balanced and target-date funds but warning against high-fee versions. They emphasize that no portfolio fits everyone and push for low-cost index solutions. Listeners call in with 401k rollover questions and political discomfort around financial firms—sparking a candid, occasionally funny chat about ethics, emotions, and retirement realities. The episode wraps with a challenge to fix Social Security and a request for more five-star Apple Podcast reviews before Don dies on the mic. 1:07 Morningstar's ‘5 of the Best' investing methods reviewed 1:48 Balanced funds and target-date funds: pros and cautions 2:48 Three-fund and custom-fit portfolios discussed 4:08 Critique of Morningstar's recommended balanced funds 6:19 Expense ratios of target-date funds and better alternatives 7:17 Morningstar's risky allocation advice near retirement 9:17 Why one-size-fits-all portfolios don't work 10:14 Caller Sally: Should we move from T. Rowe Price 401k? 12:56 T. Rowe Price vs. Vanguard fee comparison 14:03 How to roll over a 401k into an IRA 17:39 Custom portfolios vs. simplicity and human behavior 21:42 Caller Lynn: Political discomfort with Schwab as custodian 26:26 Keeping an advisor despite ideological concerns 28:38 Raising the retirement age: Denmark vs. U.S. 32:48 Fixing Social Security: remove the wage cap 35:29 Listener reviews, crypto hate, and ETF conspiracy theories Learn more about your ad choices. Visit megaphone.fm/adchoices

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Yield-bearing stablecoins have had decent growth, now topping $6 billion in supply and paying out nearly $600 million to users, according to data from Stablewatch. But just as these products go mainstream, the U.S. Senate is moving forward with a stablecoin bill that could ban them outright in America. In this episode, NYU professor and Zero Knowledge Consulting founder Austin Campbell joins Laura to break down: Why yield-bearing stablecoins are under fire in Washington Why Dems are pushing for the ban and who stands to benefit How this bill could give foreign issuers an edge over U.S. ones Whether yield-bearing stablecoins are securities under U.S. law And what the future holds for projects like Ethena, Sky, and others Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Bitkey: Use code UNCHAINED for 20% off Focal by FalconX Austin Campbell, NYU Stern professor and founder and managing partner of Zero Knowledge Consulting Unchained:  How the Senate Stablecoin Bill Enriches Corporations at the Expense of Consumers Stablecoin Bill Passes Key Hurdle: Dems Join GOP to Deliver a Crypto Win Tether in the Clear? Yes, Under This New Republican-Led Senate Stablecoin Bill Stablecoin Bill Stalls in Senate as GOP Cries Foul Over Dem Resistance Timestamps: 0:00 Introduction

Al & Jerry: Does Al have to pay for the show dinner and can he expense it? --plus warm up To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Ever feel like money is a never-ending game of not enough? Today, we're rewiring that thinking. Our special guest, Leisa Peterson—author of The Mindful Millionaire and now The Money Catalyst—joins us to talk about abundance, scarcity, and how to stop living life like you're budgeting for armageddon. (Hint: It's okay to order the nice wine now.) Joe Saul-Sehy and OG also shine a light on the resurgence of alternative investments. Is it innovation... or just Wall Street's way of sneaking in high fees through the back door? Plus, we roll into Doug's trivia, a TikTok Minute that flips the script on a certain “draft pick,” and, of course, a few stories that prove—yet again—that golf is no game for the frugal. “Am I YOLO-ing or just broke?” Why framing matters more than frugality From scarcity to satisfaction: How one moment in Paris changed Leisa's relationship with money You call that a tip? The surprisingly deep conversation behind street musicians, champagne, and generosity Alternative investments are back (again?) Why your advisor might pitch you on ditching the market... and why you should think twice Personal growth through fiction: Leisa's surprising journey from nonfiction burnout to a book that might just fix your wallet and your heart When the camel arrives with a skeleton on its back: Doug's trivia gets weird (and somehow financial) TikTok Minute: What happens when a 50-year-old thinks he just got drafted into the NFL OG's rule of thumb: Volatility isn't the villain—it's the entrance fee

In times of trial and difficulty, Christians may be tempted to doubt God's love for them. Today, Derek Thomas shows how, in Christ, we see the extravagant love that the Lord bestows on His people, no matter the cost. Get Derek Thomas' teaching series Romans 8 on DVD, plus lifetime digital access to all 12 messages and the study guide, for your donation of any amount. We'll also send you his book How the Gospel Brings Us all the Way Home: https://gift.renewingyourmind.org/3980/donate   Live outside the U.S. and Canada? Request digital access to the Romans 8 teaching series and study guide, plus the ebook by Dr. Thomas, for a gift of any amount: https://www.renewingyourmind.org/global   Meet Today's Teacher:   Derek Thomas is a Ligonier Ministries teaching fellow and Chancellor's Professor of Systematic and Pastoral Theology at Reformed Theological Seminary.   Meet the Host:   Nathan W. Bingham is vice president of ministry engagement for Ligonier Ministries, executive producer and host of Renewing Your Mind, and host of the Ask Ligonier podcast. Renewing Your Mind is a donor-supported outreach of Ligonier Ministries. Explore all of our podcasts: https://www.ligonier.org/podcasts

My guest is Dr. Mark Hyman, M.D., a physician and world leader in the field of functional medicine. We discuss a systems-based framework for diagnosing and treating the root causes of disease, rather than simply managing symptoms. We also cover cutting-edge health and longevity tools such as peptides, NAD/NMN, exosomes, proactive blood testing and cancer screening, as well as nutrition, supplementation, detoxification, and strategies for addressing specific diseases and health challenges. This discussion will benefit anyone seeking to improve their vitality or combat specific health concerns. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Joovv: https://joovv.com/huberman Eight Sleep: https://eightsleep.com/huberman Function: https://functionhealth.com/huberman ROKA: https://roka.com/huberman Timestamps 00:00:00 Dr. Mark Hyman 00:01:48 Functional Medicine, Chronic Fatigue Syndrome, Mercury; Systems Medicine 00:08:51 Metabolic Psychiatry; Medicine, Creating Health vs Treating Disease 00:12:19 Sponsors: Joovv & Eight Sleep 00:15:06 Wholistic View of Body, Root Causes 00:19:48 Medicine & Research; “Exposome”, Impediments & Ingredients for Health, Whole Foods 00:26:30 Seed Oils, Starch & Sugar, Ultra-Processed Foods; Obesity Rise 00:36:27 Sponsors: Function & ROKA 00:40:05 Tool: Ingredients for Health, Personalization; Multimodal Approach 00:46:25 Essential Supplements, Omega-3s, Vitamin D3, Multivitamin, Iodine, Methylated B12 00:56:54 Supplements & Traditional Medicine; Limited Budget & Nutrition 01:02:54 Air, Tool: Air Filters; Tap Water Filter; Tool: Health, Expense & Whole Foods 01:09:03 Food Industrialization, Processed Foods 01:14:23 Sponsor: AG1 01:16:18 Declining American Health & Nutrition, Politics, MAHA 01:26:03 Toxins, Food Additives, Generally Recognized As Safe (GRAS) 01:29:25 SNAP Program & Soda, Food Industry & Lobbying 01:36:58 Big Food, Company Consolidation, Nutrition Labels 01:44:21 GLP-1 Agonists, Doses, Risks; Food as Medicine, Ketogenic Diet 01:51:29 Cancer, Diets & Alcohol 01:54:03 Blood Markers, ApoB, Cholesterol, Tool: Test Don't Guess, Individualization 02:02:54 Mercury; Tool: Detoxification, Sulforaphane, N-Acetylcysteine (NAC) 02:04:56 Endocrine Disrupting Chemicals, Fertility, Tool: Hormone Panels; Heavy Metals 02:11:36 Upregulate Detox Pathways, Gut Cleanse, Tools: Cilantro Juice, Fiber 02:17:08 Peptides, PT-141 (Vyleesi), BPC-157, Thymosin Alpha-1; Risks, Cycling 02:22:03 Cancer Screening, Data & Personalized Health; Alzheimer's Disease 02:30:45 Longevity Switches, NAD, NMN; Exosomes, Stem Cells 02:39:50 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures