Podcasts about Expense

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

Fail forward, buy smarter. In this solo deep-dive, Taylor breaks down real-world STR underwriting—no hype, just numbers. If you've ever “made a spreadsheet sing” to justify a deal, this one's for you. Learn the exact framework he's used to evaluate hundreds of thousands of properties over the past four years and how to stay disciplined when emotion wants the win.What you'll learnThe anatomy of a winning pro forma: purchase price, debt structure, closing costs, and true Total OOP (down payment, reno, amenities, furniture, vendors).Building an optimization list that actually moves RevPAR (from paint to pickleball).Revenue the right way: comping like-for-like, using data tools (AirDNA/Rabbu), and modeling Low / Mid / High scenarios.Expense reality check: utilities, supplies, PM software, cleaning fees in vs. invoices out, HOA, taxes, insurance, CapEx & reserves.NOI vs. Free Cash Flow: what lives “above the fold,” why debt service ≠ mortgage, and how to compare deals apples-to-apples.Return stack 101: cash-on-cash, principal paydown, long-view appreciation (why you should zoom out 20–25 years), and a primer on the STR tax play.The baseball mindset: why looking at hundreds of deals to land a few great ones is normal—and healthy.__Episode Sponsored By:STR SearchSTR Search is the industry leading property finder service. They've helped investors acquire over 265+ profitable STRs across the US. If you'd like the data professionals to help you find your next STR, reach out to STRsearch.com

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.

How can you effectively prepare your SaaS for an exit? And what should you know about the valuation drivers, buyer types, and metrics that matter most? In a live episode of the Grow Your B2B SaaS podcast recorded at SaaS Summit Benelux, host Joran sat down with René de Jong to unpack what it takes for SaaS companies to scale and prepare for a successful exit in 2026. René helps entrepreneurs—specifically SaaS founders—design effective exit strategies and navigate the full process of selling their businesses to third parties. Across the conversation, he offered clear and pragmatic insights on what separates the SaaS businesses that grow and sell well from those that struggle, how buyers evaluate companies in the current market, and why topics like the rule of 40, net revenue retention, AI-driven scalability, and deal structure matter now more than ever. From early-stage focus at 0 to 10K MRR to strategies for moving toward 10 million ARR, René shared guidance grounded in what he sees every day in the market.This episode turns the full discussion into a clear, actionable narrative that stays true to the original conversation and is easier to follow and revisit.Key Timestamps(0:00) - SaaS Summit Benelux intro, B2B SaaS scaling 2026, Rule of 40, NRR, ARR multiples, Earnouts, Strategic buyers, 0-10K MRR, 10M ARR(0:50) - Guest intro, SaaS M&A advisor, SaaS exit strategy, SaaS acquisition process(1:14) - Scaling your SaaS for 2026(1:20) - What separates SaaS winners in 2026(1:26) - Rule of 40, Efficient growth, ARR multiple valuation(2:18) - Go-to-market strategy, New business team, Net Revenue Retention (NRR), Expense efficiency(3:05) - NRR benchmarks, Churn, Customer concentration, Market standards(4:01) - Efficient growth vs spend, AI scalability, Revenue per employee(5:06) - AI native SaaS costs, VC vs mature SaaS valuation, EBITDA vs ARR(6:38) - VC backing for AI native startups(6:48) - Freemium model 2026, Valuation cycles, EBITDA focus, AI hype, ARR multiples(8:05) - Sponsor: B2B SaaS affiliate marketing, Reditus(8:49) - SaaS valuation benchmarks, ARR multiples range(9:01) - 3.5x ARR cash at close, Earnout, Reinvest, Deal structure(10:34) - Venture capital vs Private equity(10:43) - Strategic buyers, One plus one equals three, Synergy valuation(11:22) - Build list of strategic acquirers, Exit planning(11:29) - Headline valuations vs reality, Purchase price, Earnouts, Deal terms(11:51) - Earnout as bonus, Cash at closing, Burnout risk(13:05) - 2026 growth loop, AI in land and expand, Product-led growth, AI agents(14:10) - 0–10K MRR advice, Founder mindset, Learn fast, Mentors, SaaS community(15:35) - Smart capital, Operator investors, Non-dilutive help(16:06) - 10K MRR to 10M ARR, Focus, Buy-and-build strategy, Autonomous growth, 3–5 year plan(17:43) - Contact info, LinkedIn, anno9082.nl(18:03) - Outro, Subscribe, Sponsor the show, Reditus call-to-action

The Digital Marketing Success Plan — Building Predictable, AI-Ready Growth in 2025In this week's episode, Sacha sits down with Corey Morris—award-winning marketer, best-selling author, agency CEO, and creator of the Digital Marketing Success Plan®—to break down what most companies get wrong about digital marketing (hint: it's not the tactics… it's the lack of a real plan).From early SEO days and the rise of social to today's AI-powered search landscape, Corey shares insights from 20 years of building ROI-driven strategies for brands across North America. His work at VOLTAGE, a premier search & web agency, has helped companies align their marketing, analytics, and execution for sustainable, revenue-focused growth.We dig into:Strategy vs. tactics: why most teams jump straight into doing instead of aligning on business outcomesThe START Planning Process®: the 5-step framework (Strategy, Tactics, Application, Review, Transformation) that makes marketing accountableThe hidden cost of random acts of marketing: why posting “just because” drains time, clarity, and ROISEO in an AI world: zero-click searches, AI overviews, and why “SEO is dead” is still a mythContent overload & quality control: how to use AI without creating junk that damages trustReporting that leaders actually believe: tying marketing → pipeline → profit instead of stopping at clicksTrigger events: CEO drive-bys, rebrands, algorithm shifts & how to stay agile without losing directionScaling predictably: why diversified tactics + disciplined planning beat shiny-object growthThe real risks of tool overload: subscriptions, automation traps, and the false promise of shortcutsBuilding credibility in your niche: how to differentiate, not commoditize, your marketing

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/  

A light Black Friday edition tackles four listener questions covering Vanguard's Digital Advisor, the timing of Social Security versus IRA withdrawals, whether to swap target-date funds for a VT/BND mix, and the wisdom (or lack thereof) of adding managed-futures ETFs. The show ends with a look at whether international bonds meaningfully improve diversification (answer: barely). The through-line? Keep investing simple, avoid expensive complexity, and stick with risk-appropriate, broadly diversified portfolios—holiday weekend or not. 0:09 Don debates doing a Black Friday episode but decides to keep listeners company 1:58 How to submit questions on the website and call on Saturdays 2:16 Q1: Is Vanguard's Digital Advisor worth using? 2:56 Pros and cons: low cost, limited choices, avoid the active-fund version 4:29 Transition to Q2 4:55 Q2: Should a spouse take Social Security at 62 or delay and live off an IRA? 5:50 Pension changes the math—delay for the 8%/yr benefit 7:13 Target-date vs. VT/BND performance and Roth allocation logic 8:32 Risk tolerance matters more than account type 9:09 Actual performance: 2035 fund vs. VT/BND nearly identical 9:42 Q3: Adding managed-futures ETFs as a diversifier 10:23 Why Don strongly opposes adding complexity and high-expense hedges 11:36 Expense ratios make them non-starters 11:56 Q4: Should investors add international bonds? 12:46 Tiny diversification benefit; generally not worth it for DIY investors 14:38 Correlation improvement maxes out around one-tenth of one percent Learn more about your ad choices. Visit megaphone.fm/adchoices

Banks classify your life insurance as an asset, so why do so many people treat it like an expense?  In this episode, we break down how dividend-paying whole life can be your warehouse of wealth without feeding inflation like the banking system does.

Uh-oh!See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

The partnership is financially unbalanced. OpenAI absorbs the cost burden. The leak reignited debate.Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustleSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Learn more about your ad choices. Visit megaphone.fm/adchoices

What if something you already own could start paying for itself?In this episode of The Catholic Money Show, Jonathan and Amanda share how they turned their family RV from a personal purchase into a profitable rental—all while keeping faith, family, and stewardship at the center.After just one year of listing their RV for rent, they recovered the entire cost of the vehicle. But beyond the numbers, this episode is about what they learned: managing logistics, handling risks, serving others, and seeing possessions as opportunities for generosity and wise stewardship.You'll hear:

National School Chaplain Association has published its latest article in response to public questions about who bears the cost. Cost benefit analysis weighs in on a significantly higher downstream cost to tax payers if the value of chaplain care is ignored. Read the article https://www.nationalschoolchaplainassociation.org/editorials/therealcostofignoringschoolchaplains National School Chaplain Association City: Norman Address: PO Box 720746 Website: https://www.campuschaplains.org

H3 - Segment 3 - Tue Nov 11 2025 - New Ordinance City of Greenville Anti Camping ordinance previous caller said there aren't enough beds If you don't want to change and don't want to get a job why should you get a bed at my expense.

Have you ever wondered what happens when a wedding feels too good to end, but you're not quite ready for the party to be over? Maybe you've noticed how after-parties are suddenly cropping up in everyone's wedding plans, or you're curious why couples are making space in their budget for this bonus round of celebrating.On today's episode, we'll dig into the real reasons after-parties are getting so much love lately, plus some surprisingly creative ways to throw one: whether you want a rooftop cocktail hour, a backyard bonfire, or just a cosy lounge for late-night snacks and stories. If you're looking for inspiration well beyond the usual dance floor, you're in the right place.And if you listen all the way through, there's a little something extra: a behind-the-scenes idea for making even the simplest after-party truly unforgettable, no matter your budget or style, that might just become your new favourite wedding memory. RESOURCESSend Unbridely a 90-second audio message on Speakpipe: https://www.speakpipe.com/unbridelypodcast*The Unbridely Podcast is sponsored by its listeners. When you purchase products or services through links on our website or via the podcast, we may earn an affiliate commission.*------This episode of the Unbridely Modern Wedding Planning Podcast is brought to you by WedSites.com, Unbridely's recommended all-in-one wedding website builder, guest management platform & wedding planning tool.Visit WedSites.com to get started on your FREE wedding website and use code UNBRIDELYPOD to get 10% off any of their paid plans.-----Unbridely acknowledges the Traditional Owners of the Land we record this podcast on, the Kaurna People. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander cultures.Support the showFollow us on Instagram: https://www.instagram.com/unbridely/or TikTok: https://www.tiktok.com/@unbridelyEmail the Unbridely Podcast:hello@unbridely.com

Don and Tom unpack why even smart, financially literate people sometimes need a financial advisor — prompted by Morningstar's Christine Benz explaining why she hires one. They explore the value of second opinions, professional organization, tax guidance, spending permission, and succession planning. The conversation also draws lines around who doesn't need an advisor (DIY investors under 50 with good discipline) versus who does (retirees, disorganized investors, and anyone over 65 facing complexity). Later, they tackle listener questions about small-cap value ETFs — comparing AVUV, DFSV, and SLYV — and close with a retirement scenario review for a disciplined 77-year-old federal retiree. A lighthearted finish touches on long-term care insurance, empty nesting, and the Raiders' black hole stadium. 0:04 Reintroducing the need for financial help (but not that kind of help) 1:17 Christine Benz's surprising admission: she has a financial planner 2:27 The value of a “responsible second opinion” 3:25 Why Benz says peace of mind has real value 3:50 Reasons to hire an advisor: second opinions, tax guidance, rebalancing, perspective 4:54 When hourly financial advice makes sense 6:38 Organization and accountability as hidden benefits 8:08 The disinterested spouse problem 8:40 Why succession planning matters more than you think 9:32 “Permission to spend” — an underrated role of advisors 10:19 Who doesn't need an advisor: young savers and disciplined investors 11:27 When to get a second opinion even if you're DIY 12:18 Spotting bad advice and hidden annuities 13:03 Who does need an advisor: hodgepodge portfolios and over-50 investors 14:09 Complexity and the need for help beyond 65 14:47 The problem of small investors being preyed upon by salespeople 15:52 Listener question: adding small-cap value exposure 16:47 Comparing AVUV, DFSV, and SLYV performance and structure 19:00 Expense ratios and diversification differences 20:18 Don and Tom's ETF verdict 21:10 Retirement checkup: 77-year-old with pension and LTC coverage 22:06 Evaluating liquidity, income, and survivorship 23:48 The vanishing quality of long-term care policies 24:56 Tom's empty-nest plans and aching knee 25:43 Raiders jokes and the black-painted stadium Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're looking at marketing as an expense in your business, that mindset is actually holding you back from real growth. In this episode you will learn how to reframe your mindset around marketing and begin thinking about it as an engine that powers your business. The truth is, without marketing, sales dry up, opportunities fade, and growth stalls. When you invest strategically, every corner of your business benefits. From attracting dream clients and top talent to freeing up your time and increasing your company's valuation, Emma explains how marketing multiplies your results far beyond the dollars you spend. She also shares practical ways to recognize if you're still stuck in a scarcity mindset and how to shift into a long-term growth perspective that fuels sustainable success. This is the mindset shift that takes your brand from survival to unstoppable momentum. Listen in as Emma explains: Why founders fail when they treat marketing as a line-item expense The ROI metrics that truly show your marketing's value Practical signs you need to shift from scarcity to investment thinking And so much more!   Connect with Ninety Five Media: Check out our website: ninetyfivemedia.co Follow us on Instagram: instagram.com/ninety.five.media    Grow your brand's social media presence with us:  Tell us about your business goals and explore how our social media management services can help you reach them! ninetyfivemedia.co/stop-scrolling-start-scaling-inquiry

In this week's episode, we're exploring one of the most important — and sometimes misunderstood — areas of modern technology: cloud computing. This invisible backbone powers everything from the apps on our phones to the systems that run global enterprises. The cloud has transformed how we store, process, and protect data, bringing huge benefits in speed, scalability, and innovation. But, those advantages come with some tough challenges — from managing security risks and compliance to keeping costs under control as cloud usage grows. Three of Moser's resident experts are bringing their unique perspectives to us this week to discuss strategies, operations, innovations, and cost management.

In this special episode of Takeaway Chinese, we're going to learn how to say "expense" in Chinese.

What happens when powerful insiders face public scrutiny—from John Bolton's indictment to Bill Gates' climate comments and the socialist plans threatening America's largest cities? Today on https://RushToReason.com, John Rush, Andy Peth, and guests pull back the curtain on political agendas, media manipulation, and the growing divide inside the Democratic Party. Are billionaires rewriting the climate narrative? Could new labor laws give bureaucrats control over private business? And what does all this mean for the future of freedom and the economy? Tune in and decide for yourself.

Using the Kansas City Federal Reserve’s farm loan summary data, the economists at Agricultural Economic Insights measured how much it costs to borrow $1,000 for farm machinery. NAFB News ServiceSee omnystudio.com/listener for privacy information.

In this episode of the Massive Passive Cashflow Podcast, I sit down with investor and operator Jack Martin, Co-Founder & Chief Investment Officer of 52TEN, to break down why mobile home parks (MHPs) can be the most stable cash-flowing real estate when structured as tenant-owned homes (TOH) on leased land. From renovating SFRs and scaling multifamily to building an institutional-grade MHP platform, Jack explains the playbook: buy quality assets, stabilize, return capital, then keep the long-term coupon—with powerful bonus depreciation along the way. An Army veteran turned entrepreneur, Jack co-founded 52TEN, an Arizona-based, vertically integrated investment firm specializing in the acquisition and repositioning of mobile home parks. The firm manages 1,800 lots across 5 states with $60M in private investor capital, helping clients invest with confidence using a long-term, tax-favored strategy. Jack's broader background spans $450M+ in acquisitions/dispositions across residential and commercial assets, general contracting and development, and capital management. We discuss how to underwrite institutional-quality parks (often 100+ lots), why TOH beats POH for durability and maintenance, what markets and regulations to watch, and how agency debt (Fannie/Freddie) and expense discipline (often ~30–40%) shape returns. If you're an investor seeking durable income, low turnover, and smart tax planning, this episode is your blueprint. What You Will Learn: How Jack “tripped” into mobile home parks—and why he never looked back Why tenant-owned homes (TOH) create exceptional stability & low turnover (avg. stays can approach ~15 years) The supply reality: for every 1 park built, ~10 are redeveloped—how scarcity impacts value A simple market screen: affordability gap (median home price ≈ $300k+), plus job & population growth Regulation & rent control: why owner-friendly jurisdictions matter—and how policy affects capex and community outcomes Underwriting the deal: target lot counts, quality thresholds, and getting agency-eligible debt Expense & utilities 101: typical 30–40% expense ratios; power direct-billed; water/sewer sub-metered & billed back The 52TEN playbook: buy great assets → stabilize → refi/supplemental → return capital → hold the coupon Tax angle: how bonus depreciation can create meaningful passive losses on K-1s (consult your CPA) Who can invest (accredited only) and the minimum check size ($100k) Links & Resources: Website: https://52ten.com/ LinkedIn: https://www.linkedin.com/in/jack-martin-52ten/ Attention Investors and Agents: Are you looking to grow your business? Need to connect with aggressive, like-minded people like yourself? We have the tools, knowledge, and coaching to help you thrive and positively impact your bottom line.

Tariffs Harm Consumers, Reduce Hiring, and Cause Customs Backlogs. Veronique De Rugy explains how tariffs are costing American consumers and businesses over 80% of the expense, leading to higher prices and reduced corporate margins. The tariff policy is harming the job market, causing 40% of CEOs to pause hiring and investments. Customs authorities are overwhelmed by the volume of small packages now requiring assessment, causing significant backlogs and lost goods for consumers. Special interests are expanding the tariff application to derivative products, such as peanut butter packaged in metal containers. 1931

Are you ready to rethink retirement? Discover why the biggest expense in retirement isn’t what you expect—and how “thinking outside the box” can transform your financial future. Steve Hoyl and Derrick Caldwell break down tax strategies, income planning, and the surprising pitfalls that catch retirees off guard. Learn how to avoid common mistakes, create sustainable income, and retire with confidence—Texas style. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

SCOTUS Appears Poised To Gut the Voting Rights Act Again to Give Republicans 10 to 12 New House Seats at the Expense of Black Voters Before Votes Are Cast in the Midterms | Younger Candidates Challenging the Gerontocracy Ruling Our Politics | The Weak and Vindictive Case Trump Has Ginned Up Against Leticia James backgroundbriefing.org/donate twitter.com/ianmastersmedia bsky.app/profile/ianmastersmedia.bsky.social facebook.com/ianmastersmedia

In this episode, Scott Becker reflects on a viral tweet about financial discipline.

In this playful and insightful episode, Don and Tom explore how the beloved Friends characters might fare financially if they were retiring today. Using their signature mix of humor and practical investing wisdom, they analyze each character's fictional career, personality, and spending habits to project their retirement readiness. The second half of the show returns to real-world money matters, answering listener questions about blending withdrawal strategies and fund choices in employer retirement plans. 0:04 Why this episode starts with a Friends reference—and yes, it's copyright-friendly 0:31 Monica and Chandler Bing as retirement savers: organized, driven, but maybe too perfectionist 3:25 Monica's obsessive planning vs. Chandler's possible risk aversion 4:22 Overthinking portfolios and the emotional toll of too much tweaking 5:01 Savers who struggle to spend: how Monica might hoard instead of enjoy 5:56 Chandler's likely financial behavior and their combined million-plus portfolio 7:03 Ross: neurotic, divorced, and probably pension-supported 7:54 Why pensions are psychologically powerful for retirees 8:35 Ross would need an advisor to keep him calm and invested 9:14 Rachel: spender, low earner, fashion industry job—not retirement ready 10:30 Joey: the actor's feast-or-famine finances and SAG-AFTRA pension potential 12:22 Real SAG-AFTRA pension expectations: modest but helpful 13:09 Joey's likely retirement: modest income, limited comfort outside major cities 13:54 Phoebe: quirky, lovable… financially reckless? 14:28 Phoebe's imaginary downfall: alimony, bad investing, busking in Times Square 15:20 Big picture takeaways: personality, income, and circumstance aren't destiny—but they shape outcomes 16:48 The Bings win the retirement game… Phoebe's husband probably doesn't stay married 17:30 Listener Q1: Combining fixed and flexible withdrawal strategies 18:52 30-year portfolio simulation using 60/40 and AI tools 20:24 Hybrid strategy results: high survival rate, smoother ride, and growing payouts 21:21 Comparison of 4% vs. 5% withdrawal income over time 22:36 Listener Q2: Replacing expensive international funds in a union 401k plan 24:00 Replace EuroPacific and Developed with Fidelity's low-cost international index fund 25:17 Expense ratio showdown: PigWX vs. FSPSX 26:32 Closing chaos: how to contact Tom and the long-lost newsletter phone number 27:49 Origins of 800-FUND-004 and how someone just walked into the Bellevue office 29:42 End credits and final laughs—yes, even Tom held back the dad jokes (mostly) Learn more about your ad choices. Visit megaphone.fm/adchoices

I introduce TRP backstory in this episode by beginning a fair use and a transformative reading of a book I encountered in high screwel at Chatfield High Screwel in Jefferson County, Littleton, Colorado in 1991. I wrote an article about it in my high screwel newspaper, the Chatfield Charter. This is a first in a series of TRP backstory episodes on The Republican Professor podcast. I believe I originally used my paper route money to buy the book myself at Summit Ministries in Summer 1991 in Manitou Springs, Colorado. Thanks to my Grandpa Mather for sending me those 4 years. The book is "Illiberal Education: The Politics of Race and Sex on Campus" (NY, New York: Free Press, 1991) by a very young Dinesh D'Souza. We want to encourage you to buy the book either used or new. Throw some money at the publisher for the book to reward them for publishing good books. Follow D'Souza on social media and check out his films as well as his books. Get the book and follow along. We want to thank Free Press for making this material available and thank D'Souza for writing it. Thank you, Dinesh. This episode includes a reading of Psalms 42 and 43 (KJV) as well as the January 12th selection from Streams in the Desert (Cowman, Los Feliz Lost Angeles, 1925). Warmly, Lucas J. Mather, Ph.D. The Republican Professor Podcast The Republican Professor Newsletter on Substack https://therepublicanprofessor.substack.com/ https://www.therepublicanprofessor.com/podcast/ https://www.therepublicanprofessor.com/articles/ YouTube channel: https://www.youtube.com/@TheRepublicanProfessor Facebook: https://www.facebook.com/TheRepublicanProfessor Twitter: @RepublicanProf Instagram: @the_republican_professor

In this episode, Scott Becker reflects on a viral tweet about financial discipline.

Your Law Firm Car Payment is Not an Expense

What if one random podcast episode on a Tuesday completely changed your career trajectory? Agne Maria Moa is a content strategist at Notus, one of Europe's leading personal branding agencies, where she helps founders build their LinkedIn presence. Her journey started when she accidentally listened to a podcast by Rory Vaden about how personal brands impact sales. The next day, she posted her first piece of content. While still a university student in Lithuania, Agne worked unpaid for six months at an early-stage agency while her peers worked as baristas. Agne takes a different approach that goes beyond chasing virality. She's learned that breakthrough comes from pushing through when you have zero engagement and nobody's responding. She starts with deep interviews to understand clients' backgrounds and goals before creating anything. Rather than copying what works for others, she helps founders figure out what makes them unique and builds strategies around their personal experiences. This conversation gets into building a personal brand from scratch. Agne shares how she dealt with impostor syndrome as a student with no experience, why she did things differently when everyone questioned her, and how focusing on value attracted opportunities.  Key Takeaways: Do Something Different to Build Success. Building an extraordinary life means doing what others aren't doing, even when it feels uncomfortable. Push Through the Uncomfortable Period. Breakthrough happens after you gain momentum, but you have to keep posting when nobody's engaging. Strategy Before Content. Understand your goals, target audience, and what makes you unique before creating posts or chasing engagement. Personal Stories Beat Tactical Advice. Content that ties personal experience to insights performs significantly better than generic how-to posts. Don't Chase Virality at the Expense of Positioning. High engagement doesn't matter if it positions you wrong or attracts people who won't become clients. Test Different Content Pillars. Mix tactical advice, personal stories, industry insights, and aspirational content to find what resonates. Listen to the full conversation here: YouTube: https://www.youtube.com/@risingtidestartups Apple Podcast: https://podcasts.apple.com/us/podcast/rising-tide-startups/id1330525474 Spotify: https://open.spotify.com/show/2eq7unl70TRPsBhjLEsNZR   Connect with Agne: LinkedIn: https://www.linkedin.com/in/agnemokrikaite/ Calendly: https://calendly.com/agne-mokrikaite/30min   Closing thought: "In order to be successful in life, you need to do something completely different to what other people are doing." Please leave us an honest rating on Spotify, YouTube, or Apple Podcasts. Shoutout to our Great Sponsors: Naviqus Virtual Services - Hassle-free administrative support services that are efficient, affordable, and tailored to your needs. Check out https://naviqus.com now to jumpstart your business for 2026! Podbrand Media - Have you ever considered starting your own podcast for your company or brand? Podbrandmedia.com can help. Affordable and effective content creation and lead generation!  

What is the real reason 90% of businesses fail? What are some bookkeeping or CFO mistakes most business owners make that can tank your business? On this week's episode of The Crushing Debt Podcast, George and Shawn talk to Emily Handren, owner and founder of Besty Bookkeepers (www.BestyBookkeepers.com).  For over two decades, Emily has helped individuals and businesses improve their financial situations through banking, investing, lending, and insurance guidance. She has owned both life/health and P&C agencies, and has plenty of real-world stories about helping people reduce costs and increase their net worth. Emily recently wrote a book "The Real Reason 90% of Businesses Fail: 101 Bookkeeping and CFO Mistakes You Can't Afford to Make"  that hit #1 in three categories: Small Business Bookkeeping, Entrepreneurship Management, and Business Planning & Forecasting. It focuses on practical money management strategies for businesses that could tie perfectly into debt reduction discussions. Here's the link if you'd like to check it out: https://a.co/d/2JDV3So In this episode, we talk about: Fractional CFO Bookkeepers v. Accountants Tech stacking Financial Forecasting Some of the 101 Mistakes, like: Exponential growth without a plan or foundation Improperty business structure knowing your expenses and your numbers using an outdated accounting system not paying yourself. You can reach Emily at her website www.BestyBookkeepers.com or Emily@BestyBookkeepers.com. Make sure you take the "Need a Better Bookkeeper" quiz on her website! Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

Vancouver City Council approves mass Broadway-Cambie rezoning, at expense of public input (0:48) Guest: Mike Mangan, retired real estate lawyer Ken Sim promises ‘zero means zero' property tax increases, at what cost? (10:40) Guest: Tom Davidoff, Director of UBC's Centre for Urban Economics and Real Estate Premier David Eby speaks on concerns about Danielle Smith's pipeline push (20:22) Guest: David Eby, Premier of B.C. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your Law Firm Loan Repayment is Not an Expense

Too many business owners treat marketing like a slot machine, hoping for instant wins without tracking the numbers. In this Purpose Chasers Podcast episode, Allie Bloyd & Mark Crandall of Scale to Sale Consulting (Podcast also) break down why good marketing is always an investment, how to design offers that actually convert, and why tracking ROI is the real growth lever. If you've ever said “word of mouth is enough,” this one's for you. (Originally shot in 2019)

A CMO Confidential Interview with Dwight Hutchins, Senior Managing Director of Boston Consulting Group (BCG) and a Northwestern Adjunct Professor, previously Managing Director at Accenture focused on Consumer Products, Health Care and Public Service. Dwight shares his thinking on why marketers should be prepared to reduce expenses and shift resources into a re-imagined future versus incrementally evolving spend and structure. Key topics include: his belief that the complexity of marketing has resulted in many instances of wasted spending; the importance of "unaided first brand response;" why it's important to be "ahead of the expense reduction game;" and how to focus on working versus non-working dollars. Tune in to hear how about reducing $1B in spend to fund new initiatives and a "wild west" story about a battery on-pack promotion.The Fine Art of Reducing Marketing Expense in an AI WorldThis week on CMO Confidential, Mike Linton sits down with Dwight Hutchins—Senior Partner & Managing Director at Boston Consulting Group and adjunct professor at Northwestern—to tackle the question every CMO hears from the CFO: “Keep the top line growing… and cut your budget.”Dwight explains how to find waste without hurting performance, where AI actually improves efficiency (and where it doesn't), how to test into cuts with confidence, and why many brands still miss “sufficiency” by spreading spend like peanut butter. We dig into frequency capping, working vs. non-working ratios, zero-based budgeting (used sanely), org design, insource vs. outsource, and a real-world case where a company freed up billions and redeployed it to growth channels. Stay for his “Wild West” in-store marketing story—complete with batteries taped to milk.Sponsored by Typeface — the AI-native, agentic marketing platform that turns one idea into thousands of on-brand assets across channels, safely integrated with your MarTech stack. See how leaders like ASICS and Microsoft scale personalized content with Typeface.⸻⏱️ Chapters00:00 – Intro & guest: Dwight Hutchins (BCG)02:05 – The market reality: uncertainty, shifting buyer values06:10 – CFO pressure: “grow and cut” in the same breath09:20 – AI spend vs. payoff: recalibrating expectations12:25 – Media fragmentation & the “peanut butter” budget problem15:55 – Where AI helps most: measurement, targeting, creative ops19:10 – Forensic cuts case study: freeing up massive dollars23:10 – Finding waste: frequency caps, ad length, quality controls27:05 – “First Fast Response”: demand spaces & brand power30:20 – Sufficiency & focus: stop starving campaigns33:05 – Working vs. non-working: ratios that actually move results35:20 – Zero-based budgeting (in moderation, with data)37:10 – Org & ops: redesigning execution, in/outsourcing lines38:55 – Fun story: the “batteries-on-milk” promo & promo ROI40:00 – Final takeaways & sponsor⸻CMO Confidential, Mike Linton, Dwight Hutchins, Boston Consulting Group, BCG, marketing efficiency, reduce marketing spend, AI in marketing, marketing analytics, media mix optimization, frequency capping, working vs non-working, zero-based budgeting, ZBB, demand spaces, brand strategy, executive leadership, CFO CMO alignment, budget cuts, marketing operations, insource vs outsource, creative operations, measurement and attribution, marketing governance, content at scale, Typeface, Typeface AI, generative AI for marketing, agentic AI, MarTech integration, CMOs, marketing leadership, board expectations, growth and efficiency, case study, social media shift, campaign sufficiencySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Roman Alekhine caused a scandal in the Z-Vatnik blogosphere by (shockingly) getting exposed as totally corrupt - this has resulted to a series of events that have been as lucky for everyone who supports Ukraine as hitting the jacpot in Vegas!Please, donate for an armoured car for the Revanche group of the Ukrainian army:https://car4ukraine.com/campaigns/autumn-harvest-eastern-borderSupport this show http://supporter.acast.com/theeasternborder. Hosted on Acast. See acast.com/privacy for more information.

Don and Tom tackle the “big three” global equity ETFs—Vanguard VT, Dimensional DFAW, and Avantis AVGE—breaking down their diversification, costs, risk/return assumptions, style tilts (small/value vs large/growth), and geographic/sector weights. They highlight how DFA and Avantis add microcaps and factor tilts that Vanguard's index omits, why fees are “pennies” but differences in construction matter, and why “rules-based” is more accurate than “active.” Listener questions cover lottery winnings (lump sum vs annuity), the collapse of Publishers Clearinghouse payouts, and Ameriprise's pricey SMA accounts. The theme: investing lives in the middle ground—balancing risk, cost, and logic. 0:04 Middle-dweller banter and show open 0:54 Why ETFs replaced mutual funds as the easy route 1:23 The “big three” global ETFs: VT, AVGE, DFAW 2:34 Which is “better”? Spoiler: none—or all 2:56 Diversification: DFAW 13,700 stocks vs VT's 10,000 4:00 Expense ratios: Vanguard's cost advantage 4:32 Risk/return projections and why they're guesses 6:22 Microcaps explain much of the differences 7:55 Why small/value stocks historically outperform 8:55 Style box breakdown: small vs large allocations 9:45 U.S. vs international exposure: “pandering portfolios” 10:57 Tech vs financials: sector allocations diverge 12:09 Recent performance snapshots, short vs long term 13:34 Index (VT), Factor (DFAW), Rules-based tilt (AVGE) 15:25 Long-term results: Avantis beats Vanguard despite higher fee 16:15 Risk/return symmetry: you could make a lot, lose a lot 16:45 Listener Q&A: $2B Powerball jackpot—lump sum or annuity? 18:01 Publishers Clearinghouse collapse leaves winners unpaid 21:07 Listener Q&A: Ameriprise SMA fees and pitfalls 23:48 Why Ameriprise's “nice” advisors are still costly Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Smart Real Estate Coach Podcast, I sit down with Tim Francis, founder of Great Assistant. Tim has helped over 800 entrepreneurs and investors hire trusted, high-level domestic executive assistants—not virtual assistants overseas, but real partners who become an extension of you.   Tim's story is remarkable. From losing $350K in the 2008 crash, to developing a rare illness that left him unable to walk for months, he had to rethink everything about business and life. That journey led him to discover the right way to hire and lead executive assistants, and ultimately, to build Great Assistant.   We dive into his hiring process, why most entrepreneurs fail with assistants, and how the right assistant can free you up to focus on strategy, high-level skills, and relationships—the “surgeon in the room” work that only you can do.    If you've ever felt overwhelmed juggling all the moving pieces of your real estate business, this conversation will show you how to scale sustainably.   Key Talking Points of the Episode   00:00 Introduction 00:53 Who is Tim Francis? 02:35 The 2008 crash, $350K loss, and developing a rare illness 04:24 Spiritual turning point: chasing truth and mastery, not fame and fortune 05:40 Failing with five assistants and discovering a new hiring process 08:22 Hiring Sarah—the paralegal who changed everything 10:16 The Great Assistant formula: pairing trained assistants with trained leaders 13:15 Hiring volume: why they review 50–200 candidates per role 17:06 The difference between VAs and executive assistants 19:21 What makes a great assistant: complement, not clone 20:50 The surgeon vs. nurse analogy—strategy, skill, and access vs. admin 22:15 Practical example: prepping comps and organizing negotiation notes 25:28 Why you must live out of your calendar, not your inbox 26:49 Expense vs. revenue mindset—why an assistant is a profit center 29:53 Tim's upcoming book: arranging life to minimize regret 32:45 How to connect with Tim and Great Assistant   Quotables   “Your assistant will always be an expense on paper. But your relationship with your assistant will be the biggest profit center of your career.”   “We don't want a clone of you—we want a complement. You throw the balls in the air, and they catch them and close the loops.”   “A great assistant isn't about saving time, it's about helping you fulfill your potential in this lifetime.”    Links   Episode 152: Discover the Power of a Great Assistant, with Tim Francis https://sites.libsyn.com/101440/episode-152-discover-the-power-of-a-great-assistant-with-tim-francis   Get a Great Assistant by Tim Francis https://greatassistant.com/book   Great Assistant https://smartrealestate.com/greatassistant   Apply for a Discovery Call with Great Assistant https://greatassistant.com/apply   Tim Francis https://www.instagram.com/realtimfrancis   QLS Live + QLS 4.0 at $199 smartrealestatecoach.com/qlspodcast    Just QLS 4.0 at ½ off smartrealestatecoach.com/qls  Coupon code: pod   Apprentice Program 3paydaysapprentice.com Coupon code: Podcast   Masterclass smartrealestatecoach.com/masterspodcast   Wicked Smart Books wickedsmartbooks.com/podcast   Strategy Session smartrealestatecoach.com/actionpodcast   Partners smartrealestatecoach.com/podcastresources

Fidelity released their 24th annual Retiree Health Care Cost Estimate, which revealed that a 65-year-old retiring in 2025 can expect to spend an average of $172,500 in health care and medical expenses throughout retirement. We walk you through our thoughts on Fidelity's study and talk through how to financially plan for the retirement of your dreams. Then stick around as we answer your financial questions! Please note: this episode was recorded live on September 16, 2025. The Financial Mutant survey referenced is now closed! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NordVPN.com/MONEYGUY⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we delve into the intricacies of the Adoption Tax Credit, a vital financial support for adoptive families. Discover who qualifies for this credit, the specific requirements you need to meet, and how it can significantly ease the financial burden of adoption. Whether you're in the early stages of adoption or finalizing the process, understanding these details can make a world of difference. Tune in to ensure you're fully informed and ready to take advantage of this beneficial credit.Randy's Social MediaInstagram: @randygmz.mbaFacebook: Randy Gomez Mba EALinkedIn: Randy Gòmez, MBA, EA#AdoptionTaxCredit #AdoptionJourney #FamilySupport #TaxBenefits #AdoptionAwareness #AdoptiveFamilies #FinancialAid #TaxRelief #AdoptionProcess #ParentingSupport #AdoptionResources #FamilyFinance #AdoptionCommunity #TaxCredits #AdoptionHelp

Are you tired of sourcing the same mass-produced furniture pieces your clients can find anywhere?Imagine offering them something truly unique—a custom furniture solution that not only fits their space perfectly but also reflects their personality and lifestyle.In this episode, I explore how interior designers can elevate their projects through custom furniture with builder Michael Brinkley. Michael shares how designers can turn client frustrations, like the wrong size, finish, or style in mass-produced pieces, into opportunities by collaborating with a custom furniture maker. He walks us through his creative process, from sketching and 3D modeling to building functional, heirloom-quality pieces that solve real design challenges. Through stories of unique projects, like a dining table made from wine crates and a barn door with a built-in TV, Michael highlights how custom furniture isn't just a design upgrade; it's a powerful way for interior designers to stand out in a competitive market.If you're an interior designer looking to deliver distinctive, tailor-made solutions for your clients while elevating your business, this conversation will give you the insider's perspective you need.Featured Guest:Michael Brinkley is the owner and master craftsman of Brinkley Furniture, a nationally recognized custom furniture studio in Redding, California. With over 30 years of experience in cabinetry and furniture design, he specializes in creating heirloom-quality, one-of-a-kind pieces that blend timeless design with modern functionality. His work is celebrated nationwide for its craftsmanship, innovation, and ability to bring designers' and clients' visions to life.What You'll Learn in This Episode✔️ How partnering with a custom furniture builder can help you deliver one-of-a-kind solutions for your clients.✔️ The process of transforming client ideas into functional, beautifully engineered custom pieces.✔️ Why communication and collaboration between designers and builders are key to a successful project.✔️ Real examples of standout custom furniture projects.✔️ Tips on sourcing materials locally and navigating budget-conscious options without sacrificing style.✔️ How custom furniture can help you differentiate your design business in a competitive market.✔️ Why investing in custom furniture is a long-term value for clients, offering heirloom-quality pieces.Read the Blog >>> ⁠The Impact of Custom Furniture in Your Interior Design Projects ⁠NEXT STEPS:

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

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

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

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