Podcasts about Expense

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

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 

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.

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

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

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

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

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

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

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

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

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!

Fluent Fiction - Swedish: Gift Dilemma at Stockholm Arlanda: Choosing Heart Over Expense Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sv/episode/2025-08-12-22-34-02-sv Story Transcript:Sv: Flygplatslärkan sjöng melodier i sina högtalare, medan resenärer skyndade mot sina destinationer.En: The Flygplatslärkan sang melodies in its speakers, while travelers hurried toward their destinations.Sv: Stockholm Arlanda Internationella Flygplats var full av liv och rörelse.En: Stockholm Arlanda Internationella Flygplats was full of life and activity.Sv: Mitt i vimlet stod Linnea, en nyfiken resenär med ögon stora av förväntan.En: Amidst the crowd stood Linnea, a curious traveler with eyes wide with anticipation.Sv: Hon var på väg till en länge efterlängtad semester, men först var hon tvungen att lösa ett dilemma.En: She was on her way to a long-awaited vacation, but first, she had to solve a dilemma.Sv: Hennes syster, som redan väntade på semesterdestinationen, förtjänade den perfekta gåvan.En: Her sister, who was already waiting at the vacation destination, deserved the perfect gift.Sv: Linnea gick in i den livliga duty-free-butiken.En: Linnea entered the busy duty-free store.Sv: Doften av parfymer fyllde luften och hyllorna böjde sig under trycket av färgglada flaskor och paket.En: The scent of perfumes filled the air, and the shelves were strained under the pressure of colorful bottles and packages.Sv: Johan, en gammal barndomsvän som nu jobbade i butiken, vinkade glatt.En: Johan, an old childhood friend who now worked in the store, waved cheerfully.Sv: "Behöver du hjälp, Linnea?"En: "Need help, Linnea?"Sv: frågade han med ett leende.En: he asked with a smile.Sv: Linnea nickade och suckade.En: Linnea nodded and sighed.Sv: "Jag måste hitta något perfekt.En: "I have to find something perfect.Sv: Men det finns så mycket här!"En: But there's so much here!"Sv: Johan log och pekade mot en exklusiv parfym som han visste att hennes syster brukade älska.En: Johan smiled and pointed toward an exclusive perfume he knew her sister used to love.Sv: Samtidigt skymtade Linnea ett unikt svenskt hantverk på en annan hylla.En: At the same time, Linnea glimpsed a unique Swedish craftwork on another shelf.Sv: Det var en handgjord Dalahäst, prydd med traditionella mönster.En: It was a handmade Dalahäst, adorned with traditional patterns.Sv: Emil, en annan resenär som lyssnade på deras samtal, gick förbi och viskade, "Det där är riktigt speciellt, du vet."En: Emil, another traveler who was listening to their conversation, walked by and whispered, "That's really special, you know."Sv: Klockan tickade vidare, och Linnea kände pressen av tiden.En: The clock ticked on, and Linnea felt the pressure of time.Sv: Boarding skulle snart börja.En: Boarding would soon begin.Sv: Hon närmade sig parfymflaskan, men stannade.En: She approached the perfume bottle but stopped.Sv: Hennes syster hade alltid uppskattat det genuina och personliga.En: Her sister had always appreciated the genuine and personal.Sv: Med ett djupt andetag sträckte hon sig istället efter Dalahästen.En: With a deep breath, she instead reached for the Dalahäst.Sv: Den kändes rätt, en symbol för allt som deras svenskhet stod för.En: It felt right, a symbol of everything their Swedishness stood for.Sv: Linnea skrattade och kramade Johan.En: Linnea laughed and hugged Johan.Sv: "Tack, det här är perfekt.En: "Thank you, this is perfect.Sv: Inte bara dyrt, utan meningsfullt."En: Not just expensive, but meaningful."Sv: Med sitt val gjort och sitt hjärta lättade, rusade Linnea mot gaten.En: With her choice made and her heart lightened, Linnea rushed toward the gate.Sv: Hon hann precis i tid, med en känsla av tillfredsställelse och en nyvunnen tilltro till sitt eget omdöme.En: She made it just in time, with a sense of satisfaction and a newfound trust in her own judgment.Sv: I det ögonblicket förstod hon att de bästa besluten inte alltid var de mest uppenbara, utan de som kom från hjärtat.En: In that moment, she understood that the best decisions weren't always the most obvious, but those that came from the heart.Sv: Det elektriska surret från flygplatsens energi följde henne in på flyget, där hon slog sig ner med ett leende.En: The electric buzz of the airport's energy followed her onto the plane, where she settled in with a smile.Sv: Semestern hade ännu inte börjat, men hon hade redan lärt sig något värdefullt.En: The vacation had not yet begun, but she had already learned something valuable. Vocabulary Words:melodies: melodierspeakers: högtalaretraveler: resenäranticipation: förväntandilemma: dilemmadeserved: förtjänadescent: doftenstrained: böjde sigpressure: trycketpackages: paketcheerfully: glattexclusive: exklusivglimpsed: skymtadecraftwork: hantverkhandmade: handgjordadorned: pryddpatterns: mönsterwhispered: viskadeboarding: boardingappreciated: uppskattatgenuine: genuinapersonal: personligasymbol: symbolsatisfaction: tillfredsställelsenewfound: nyvunnenjudgment: omdömeenergy: energivaluable: värdefulltlife: livactivity: rörelse

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

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

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

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

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

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

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

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

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

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

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

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

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.

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