Podcasts about Expense

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

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.

The following article of the Health industry is: “Trends in the Demand for Medical Expense Insurance” by Fernando Lledó, CEO, Bupa Mexico.

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

Most business owners treat marketing like an expense. Marti Amos treats it like his biggest asset, and it's helped him build a global business.In this episode of the Marketing 4 Business podcast, Scott chats with Marti Amos, founder of The Professional Builder, about the mindset shift that helped him scale a global coaching company, and how you can apply the same thinking to grow your own business faster.Marti shares why so many business owners stay stuck at 6 or low-7 figures, the real reason most marketing doesn't work (hint: it's not the ads), and how to identify your number one constraint using data, not guesswork. You'll also learn why “hope marketing” is dead, how to build a team that thinks like founders, and why Marti spends over $250K a month on marketing with confidence.If you're ready to stop winging it and start scaling with intent, this one's for you.If you find our content valuable and informative, please help us reach more business owners by sharing it with a friend who might benefit. Additionally, please ensure that you're following our podcast on your preferred platform, and if you enjoyed the latest episode, consider leaving us a five-star review. Your support is highly appreciated.See below for ways to get in touch with us…Follow the Marketing 4 Business podcast on Instagram hereFollow Digital Influence on Instagram hereConnect with Scott on LinkedIn hereConnect with Marti on LinkedIn hereEager to enhance your marketing strategy? Book in for a complimentary strategy chat with our team to discuss your marketing here.Have Fun & Take Action

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

If you're facing a major expense - like a wedding - it may be wise to call your financial advisor first. Without guidance, many couples overspend and start married life already playing financial catch-up. Ed Gjertsen, Certified Financial Planner and Founder of Engage Wealth Group in Chicago, joins Andy Dahn on the WBBM Noon Business Hour to discuss.

Feed is the single largest expense on any dairy, and how it's managed can make or break both cow performance and your bottom line. In this episode of the Progressive Dairy Podcast, host Frederic sits down with VAS farm performance consultant team leaders, Melissa Freitas and Char Handschke, to talk about the biggest challenges in feed management and how new technology is helping farms of all sizes optimize their investment. They introduce FeedComp, a new cloud-based app from VAS designed to simplify feeding workflows, bring consistency to every mix and reduce waste – so your feed dollars go further. From mixing and delivering rations to tying feed data back to herd performance, this conversation highlights how better management and the right tools pay off. If you've ever wanted more clarity around your feed costs or a simpler, more accessible way to run your daily feed program, this episode is for you. Here is the episode breakdown: 01:35 - Melissa and Char introduction05:30 - Today's most common feeding challenges08:15 - Taking the complexity out of feed management12:36 - How feeders can utilize FeedComp15:16 - Keeping producers, consultants and nutritionists connected18:43 - Tying feed with herd data to see the bigger picture21:07 - Keys to feeding success25:00 - What's next: Other new VAS tools to power your dairy This episode is sponsored by VAS. VAS is focused on your dairy's future with software and information solutions that help collect and connect your farm's data. Contact your local farm performance consultant or reach out to VAS' support team to see how their herd and feed management tools can support your dairy's success. Visit VAS.com for more.

If you are looking to put your self-employed health insurance deduction down as a business expense, it may be time to think twice. Here is what you need to know about reporting your self-employed health insurance deduction.Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief   

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

The Cheating Wife, My Wife's Career Came First, Even At My ExpenseBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2025-true-cheating-stories-podcast--5689182/support.

The Cheating Wife, My Wife's Career Came First, Even At My ExpenseBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2025-true-cheating-stories-podcast--5689182/support.

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:

Paid leave has transformed from a nice-to-have into a powerful retention and engagement tool for employers seeking to attract and keep top talent. Seth Turner of AbsintheSoft shares insights on how properly structured leave programs can create positive employee experiences that drive loyalty and productivity.• 86% of employees look for paid leave when job hunting, and 42% won't apply without it• Well-designed leave programs should address diverse workforce needs across life stages• Employees who feel supported during leave are more likely to return engaged and become brand ambassadors• The regulatory landscape is growing increasingly complex with 13 states now mandating paid family leave• Technology helps streamline administration, maintain compliance, and improve employee experience• Utilization rates vary by industry, ranging from 10-40% of employees taking leave annually• Effective programs consider both compliance requirements and strategic business objectives• Modern systems use AI and mobile communications to simplify processes for all stakeholdersTo learn more about managing paid leave effectively, visit absensesoft.com or contact Seth directly at seth@absencesoft.com

The price of attaining the truth is worth the cost. Spare No Expense to Have Christ and His Wisdom.

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

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

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.

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!

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

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.

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

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

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.