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Snag a FREE copy of my book, and get connected to the Military Millionaire community on all of your favorite platforms: https://www.frommilitarytomillionaire.com/free-book
Try Journal free for 14 days: https://www.bookkeepersmarketing.com/ Take part in our Summer Survey: https://6fbsummer.scoreapp.com/p/summer2025 In this episode of The Bookkeepers' Podcast, we take a fresh, practical look at what bookkeepers actually do—end to end. We walk through the real workflow for small businesses: choosing cloud software and connecting bank feeds, coding sales and expenses with proper evidence (especially for VAT), handling accruals and prepayments, running credit control and payment runs, dealing with payroll journals, staying compliant with AML, and turning up-to-date data into useful management reports and cash flow forecasts. You Will Learn The true purpose of bookkeeping (decision-ready info first, tax compliance as a result). Why we recommend moving clients to cloud software (Xero, Sage, FreeAgent, QuickBooks) and specialising in one platform. How to keep business and personal spend separate and reconcile from the bank statement out. Sales workflows: invoicing, POS, online sales via Stripe/PayPal—and why you must “gross up” fees. Expenses, approvals, and smooth supplier payment runs (with director approvals). Payroll boundaries: when to outsource vs in-house, and how to post payroll journals correctly. AML responsibilities and the “bookkeeper as detective” mindset. Building monthly/quarterly reporting rhythms, KPIs, and cash flow forecasting clients can act on. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.
On this insightful episode of the “NASM-CPT Podcast,” host, and NASM Master Instructor, Rick Richey, tackles a nuanced listener question from Ellie about the financial realities of going independent as a personal trainer. Rick dives into the classic advice that many entrepreneurs should expect to reinvest their profits for the first three to five years and puts this into perspective for trainers considering going out on their own versus opening a brick-and-mortar facility. He breaks down what it actually costs to work independently, and why it usually doesn't take years to “pay yourself back”—unlike running a physical gym, which often requires a significant upfront investment and years of profit reinvestment. Rick also sheds light on important yet often confusing tax responsibilities for self-employed trainers, gives practical advice on setting aside money for business expenses and retirement, and shares stories from his own experience growing multiple gyms in New York City. With relatable anecdotes—like his wife asking, “When do we get to keep the money?”—and actionable tips (hint: get a business credit card just for work expenses), Rick makes the numbers approachable. He also details the pros and cons, both financial and lifestyle-wise, of working for yourself versus for someone else. If you're considering taking the leap into independent training or even opening your own facility, this episode is packed with real-world financial advice, hard truths, and encouragement for trainers at every stage of entrepreneurship. If you like what you just consumed, leave us a 5-star review, and share this episode with a friend to help grow our NASM health and wellness community! The content shared in this podcast is solely for educational and entertainment purposes. It is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek out the guidance of your healthcare provider or other qualified professional. Any opinions expressed by guests and hosts are their own and do not necessarily reflect the views of NASM. Introducing NASM One, the membership for trainers and coaches. For just $35/mo., get unlimited access to over 300 continuing education courses, 50% off additional certifications and specializations, EDGE Trainer Pro all-in-one coaching app to grow your business, unlimited exam attempts and select waived fees. Stay on top of your game and ahead of the curve as a fitness professional with NASM One. Click here to learn more. https://bit.ly/4ddsgrm
Send us a textIs your aesthetic practice unknowingly letting profit slip away? In today's competitive market, running an efficient operation is just as critical as delivering exceptional results. Small inefficiencies can quietly drain your bottom line and limit growth.In this episode of Shorr Solutions: The Podcast, host and award-winning consultant Jay Shorr reveals eight proven strategies to cut costs, maximize profitability, and protect patient satisfaction. Drawing on decades of experience in aesthetic practice management, Jay shares real-world tactics that keep quality high while ensuring every dollar works harder for your business. Schedule your free consult with our expert, Jay Shorr, here. To sign up for our Conversion Cascade 2.0 online course, click here. Don't forget to enter code PODCAST at checkout for 20% OFF! Connect with us:Website: https://shorrsolutions.com/Instagram: https://www.instagram.com/shorrsolutionsFacebook: https://www.facebook.com/shorrsolutionsLinkedIn: https://www.linkedin.com/company/shorrsolutionsYouTube: https://www.youtube.com/user/TheBestMBS1/featured
Saving for your child's college education can be a daunting task, especially given the rising cost of tuition and other expenses. However, with careful planning and smart financial decisions, you can ensure that your child has access to quality education without the burden of debt.If you're interested in a one-on-one with David, visit westreet.org/wealth-management
In part two of the Sports Cards Live stream from Saturday, August 23, 2025, we explore the evolving collector–investor debate with Brent Weyer (@deepvalueinvestor). Brent discusses how his approach has expanded from chasing only apex cards to also embracing what he jokingly calls “bum collecting” — acquiring elite cards of overlooked stars. The conversation digs into whether sports cards are best viewed as investments or expenses, sparking thoughtful discussion around balance sheets, assets, and hobby perspective. We also examine the rise of high-net-worth individuals entering the hobby, often through breaking as their initial gateway before shifting into serious collecting and targeted investments. Brent shares how he's working with these new buyers, what types of cards they're seeking, and why education and guidance are critical in helping them navigate the market. Highlights include: Collecting for passion vs. investing for return Viewing cards as assets vs. expenses Nostalgia, aesthetics, and personal collecting rules Breaking as a gateway for wealthy newcomers How high-net-worth collectors are being onboarded into the hobby Whether you see yourself as a collector, an investor, or somewhere in between, this segment brings valuable perspective on how the hobby continues to evolve. Learn more about your ad choices. Visit megaphone.fm/adchoices
HOUR 1- Ally's Mush Power, Fat Expenses and MORE full 1910 Mon, 25 Aug 2025 15:46:00 +0000 TPAljhZMRRnBBup8mn6JtyYB0aiAgjDc society & culture Klein/Ally Show: The Podcast society & culture HOUR 1- Ally's Mush Power, Fat Expenses and MORE Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-
Fat Expenses full 371 Mon, 25 Aug 2025 15:22:00 +0000 PLUKtAEk9wE6T97HxMjPF1Gi4bdKZtpC society & culture Klein/Ally Show: The Podcast society & culture Fat Expenses Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwave.net
Feeling the post-summer financial fog? You're not alone—but now's the perfect time to reset.Summer is a season of rest, family, and fun—but it can also knock our financial habits off course. That's why fall is an ideal time to pause, reflect, and get back on track. Let's explore six small but meaningful steps that can help realign your finances with your goals—and your faith.Summer Spending Can Leave You Off BalanceSummer often brings looser schedules and, sometimes, looser spending. That's okay—we need time to rest. But if your finances feel off-center, it may be time for a reset.1. Review Your Summer SpendingBefore moving forward, look back. Did your summer spending reflect your values or just your impulses? Whether it was vacations, eating out, or spontaneous purchases, reviewing where your money went brings clarity. Think of it as an act of stewardship—learning from the past so you can plan better for the future.2. Revisit Your BudgetSeasons change—and so do financial rhythms. Back-to-school costs, higher grocery bills, or other expenses may have shifted your cash flow. Revisit your budget to ensure it reflects your priorities: generosity, saving, and wise spending.A helpful tool: The FaithFi app makes budgeting a daily reminder that every dollar belongs to God. It helps you plan and track your finances in alignment with your faith.3. Check for Missed PaymentsLife gets busy, and bills sometimes slip through the cracks. Go back and confirm you haven't missed any payments. Even one late bill can hurt your credit. Also, review your autopay accounts to ensure everything is running smoothly. A little attention here prevents bigger headaches later.4. Catch Up on Your GivingGenerosity sometimes takes a backseat in busy seasons. If that happened this summer, take time to prayerfully revisit your giving. Ask yourself: Has God blessed me in a way that calls for deeper generosity? Whether to your church, a ministry, or a neighbor in need, giving is more than duty—it's an expression of trust in God as your ultimate provider.5. Tackle That Financial To-DoWe all have one thing on our financial to-do list that gets pushed aside—reviewing insurance, starting a will, or scheduling a meeting with an advisor. Stewardship often looks like taking the next step, even if it's small or unglamorous.6. Look Ahead with WisdomFall is a season of preparation. Anticipate upcoming costs, such as school expenses, open enrollment, holiday shopping, or tax planning. Mark dates and set reminders now so you won't be scrambling later. Wise stewardship is proactive, not reactive.One Step at a TimeDon't feel pressure to fix everything in one day. Growth—financial and spiritual—comes through steady, faithful diligence. Proverbs 4:26 reminds us: “Give careful thought to the paths for your feet and be steadfast in all your ways.”Wherever you're starting from—catching up, starting over, or just resetting—God meets you there. He isn't after perfection; He's after your heart, and He promises to walk with you every step of the way.At FaithFi, we're committed to equipping Christians to integrate faith and financial decisions for the glory of God. If you believe in this mission, we'd love to invite you to become a monthly partner.A gift of $35 or more per month (or $400 per year) helps us continue this vital work. As a thank-you, you'll receive exclusive benefits, including our quarterly Faithful Steward magazine, Pro Access to the FaithFi app, and early access to our devotionals and studies.Learn more or become a partner today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:Is life insurance really necessary? I've been paying about $100 a month for a few years, and I'm wondering if the benefit justifies the cost.My husband and I are dual citizens of the U.S. and Canada. We've farmed for 40 years without any retirement accounts or formal plans. We're debt-free, but we're unsure where to start with retirement planning, especially since our income and pensions come from both countries. Is there a kingdom-minded advisor familiar with agriculture and cross-border planning, or should we begin elsewhere?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)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.
Are you obsessing over life insurance expenses and expense ratios? You might be focusing on the wrong thing. In this episode, we explain why expenses in life insurance policies matter far less than you think. We break down the difference between expense ratios and load fees, and why neither should be your primary concern when evaluating life insurance. You'll learn why the most successful buyers focus on outcomes rather than costs. We also reveal what the typical expense ratio actually is for cash-focused life insurance policies (spoiler: it's probably lower than you expect). More importantly, we discuss why knowing the precise value of your cash in 10, 15, or 20 years matters more than knowing exact expense breakdowns. You'll discover why people who achieve the best results with life insurance spend zero time negotiating or worrying about expenses they can't control. We share real observations from years of working with clients about who succeeds with these strategies and who doesn't. If you're evaluating life insurance for cash accumulation or want to understand how to make better financial decisions, this episode will change how you think about expenses. Stop driving while looking in the rearview mirror and start focusing on what actually matters: whether the policy meets your goals. ______________________________ Ready to evaluate life insurance the right way? Contact us to discuss your specific situation and see if a properly designed policy makes sense for your goals.
The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com
Send us a textHey everyone! This month's live Q&A was packed with so many golden nuggets for your bookkeeping business. We covered everything from client management to getting started with confidence - basically all the real stuff you're dealing with day-to-day.In this episode you'll hear:Getting Clients in Niche MarketsHandling Unresponsive ClientsRecording Startup ExpensesBookkeeping Practice TestsUsing Airtable, Asana, and DubsadoClient Management and Team StructureMigrating New Clients to Xero from QBOConnecting Credit Unions to XeroAnd More!Resources mentioned in this episode:Bookkeeping Business Accelerator: https://www.ambitiousbookkeeper.com/vipBookkeeping Biz Workshops: http://bkworkshops.online/One-on-one mentoring sessions: https://www.ambitiousbookkeeper.com/contactXero: https://xeroamericas.partnerlinks.io/79afz10exu7dDubsado: https://www.dubsado.com/?c=shoupcpaOpen Phone: https://openph.one/referral/XA0kFFRExcel, Asana, Airtable, QBO, Jet ConvertThanks for listening. If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram stories and tag me @ambitiousbookkeeperFor more information about the Ambitious Bookkeeper Podcast or interest in our programs or mentoring visit our resources below:Visit our website: https://www.ambitiousbookkeeper.comFollow the Blog: https://www.ambitiousbookkeeper.com/blogConnect on Instagram: https://www.instagram.com/ambitiousbookkeeperConnect on Threads: https://www.threads.net/@ambitiousbookkeeperConnect on Facebook: https://www.facebook.com/serenashoupcpaThank you for your support of our show. If you haven't left a review yet it's super simple. Please go to ambitiousbookkeeper.com/podcast and leave your review.Podcast Publishing Tools we use:Editing → Sabr Media LLC: https://www.iangilliam.com/sabr-media-llcDescript: https://get.descript.com/u7lubkx09073 (affiliate link)Buzzsprout: https://www.buzzsprout.com/?referrer_id=1753696 (affiliate link)Join this cohort of The Bookkeeping Business Accelerator®️>Register for the Information Session HERE>August 26th - 5 PM PST
Most franchisees focus on revenue. The smart ones focus on profit. In this episode, Jeff Herr and Eric dive into the financial truths franchisors and franchisees must understand—from staffing costs to KPIs—if they want to scale and succeed. Profit isn't optional. It's survival. Timestamps 00:00 – Welcome + Jeff's birthday talk 00:41 – From franchisee beginnings to franchisor support 02:31 – Why revenue isn't the real measure of success 05:52 – Expenses vs. profitability explained 08:21 – Staffing: the biggest profitability lever 10:49 – Robert Kiyosaki & going back to basics 13:38 – Scaling smart: fewer employees, bigger profits 22:41 – Tools & KPIs every franchisee should demand 26:27 – Opening 3 locations at once: lessons learned 29:14 – Profit vs. vanity metrics 40:18 – “Raise your hand” and learn your numbers Connect with Erik Van Horn:
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Allie and Logan talk about accruing for annual expenses and if it's better to pay down debt than set aside funds for those expenses.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Snag Our Simplified Budget System!Budget besties — you know that feeling when a big bill pops up out of nowhere and completely wrecks your monthly budget? We've been there too, and we're here to tell you: it doesn't have to be that way.In this episode, we're breaking down:What counts as an “annual bill” (and why they always feel like a surprise)How to list and track every big bill you pay only once or twice a year (auto insurance, property taxes, memberships, car registration, etc.)Why separating these expenses into their own account changes everythingHow to use our Annual Bills Savings Bucket system to divide the cost into manageable monthly savingsWhat to do if you're just getting started and don't have a full year saved yetWhether it's your auto insurance, Amazon Prime, or that massive property tax bill, this system takes the chaos out of budgeting for them — and helps you breathe easier knowing the money will be there when you need it.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"
This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash, common investing misconceptions, US vs. international stock investing, and more.Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/124-listener-qa-with-andrew-us-vs-international-investing-457b-plans-roth-conversion-ladders-when-to-stop-contributing-to-your-401k-tracking-hsas-expenses-and-more/
On this episode of Chit Chat Stocks, Brett and Ryan speak with Andrew Marshall from Capital Mindset about Dave Inc. (Ticker: DAVE). They discuss:(03:48) The History of Dave: From SPAC to Recovery(08:56) Understanding the Business Model: Micro Lending Explained(16:15) Competition and Market Positioning: Who Does Dave Compete With?(16:54) Operational Structure: Partner Banks and Expenses(22:08) Future Outlook: Pricing Models and Growth Potential(26:17) Assessing Risks and Opportunities for Dave(30:15) Market Potential and Growth Projections(34:36) Management Integrity and Company Culture(37:10) Navigating Bankruptcy Risks and Financial Health(39:50) Capital Allocation Strategies(42:36) Valuation Insights and Market MisunderstandingsCapital Mindset: https://www.youtube.com/@CapitalMindset*****************************************************JOIN OUR NEWSLETTER AND FREE CHAT COMMUNITY: https://chitchatstocks.substack.com/ *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: https://www.interactivebrokers.com/ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: https://fiscal.ai/chitchat *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.
Ever feel like you're stuck in a loop where unexpected expenses always ruin your budget?In this episode, I break down what I call the “This Always Happens” Money Fix, a two-step process that helps my clients stop spiraling and start building real budgeting confidence. If you've ever looked at your account and thought, “Ugh, how did this happen again?” this is for you.I'll show you how to shift from shame to strategy using my signature process: Respond and Recalibrate. These simple but powerful questions will help you navigate unexpected charges, stop the guilt cycle, and actually make your budget more responsive to your real life.If you've ever paid a surprise dental bill, forgotten about a recurring charge, or panicked over a financial “oops,” this episode will help you move from frustration to freedom without ditching your budget.[01:04] Why unexpected charges don't mean you're failing with money[02:20] The “This Always Happens” Money Fix: Respond and Recalibrate[06:10] Real client examples and how we tackled hidden expenses[10:23] What a dental emergency taught my client about budgeting on purpose[14:55] How to build a money system that grows with youTune in to learn how to make your money system sustainable so you're not just budgeting for the month but building financial resilience for life.Get full show notes and the episode transcript: https://wealthovernow.com/a-better-way-to-handle-unexpected-expenses/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Today's National Days. The army has gone back to "yelling" at recruits. Janice Spooner on common mistakes people make when cutting expenses. Steadmans Lil Sports Corner Rory O'Neill on the expensive experience that is the NFL. New indoor sports complex in Sanford expected to enhance sports tourism.
Stash Graham sees health care lagging but eyes opportunities in banks (preferring regional) and energy (natural gas especially). He also prefers stocks over ETFs or other investment vehicles. The “impulse for inflationary pressures is intensifying,” in the White House, he argues. This makes it less appealing for the Fed to cut rates, but with a weakening labor market and the “inflection point” of tariffs for many businesses, he thinks there could be 1-2 cuts this year.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
Accurate expense coding is critical to building a clean SaaS P&L that drives investor confidence, valuation discussions, and clarity in internal metrics. In episode #303, Ben Murray explains exactly where SaaS operators should code executive-level expenses (CMO, CRO, VP of Services, CFO, etc.) and why coding accuracy is a non-negotiable for both SaaS metrics and investor metrics. Ben also highlights the common mistake of letting G&A become a dumping ground, which can distort key financial metrics, including your gross profit margin, OpEx profile, and overall SaaS valuation. What You'll Learn: Where to code executive salaries and expenses in your SaaS P&L Why department-level cost centers (Sales, Marketing, Services, etc.) are crucial for accurate SaaS metrics How misclassifying expenses can hurt your valuation and confuse investors during due diligence The golden rule: G&A should not be a dumping ground Tips on ensuring your bookkeeping process supports clean financial reporting Why It Matters for SaaS Operators & Investors: Accurate SaaS P&L structures are essential for clean reporting to boards and investors. Incorrect coding can skew key investor metrics like gross margin and operating expense ratios. A well-coded SaaS P&L provides the foundation to benchmark your business, manage spend, and maximize company valuation during fundraising or exit processes. Resources Mentioned: How to Properly Structure Your SaaS P&L (Blog Post + Example Template) Quote from Ben:“As a CFO, G&A isn't a catch-all—it should only hold true G&A costs. Every expense needs to follow the people creating it.”
As the price of food continues to increase, so does the cost of our weekly shop. Kel Galavan, money coach tells us how to how to cut food expenses and budget our meals during the era of inflating prices.
Today's Old Newscast focuses on 8 May 2009 - the day that The Daily Telegraph publishes the first in a long series of stories about MPs expenses. We hear how the information that changed the way the British public view politics was leaked.Adam is joined by two people who were reporting at the heart of the story - former Whitehall Editor of the Telegraph, Chris Hope, and Jo Coburn - then of the BBC. This episode tells the story of what led to that day - disgruntled off duty soldiers, a ‘bunker' of journalists on a secret mission, and a disk full of information kept under high security.You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereNew episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Rufus Gray. The technical producer was Dafydd Evans. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.
When it comes to money, most people look for two things: security and peace of mind--and that’s understandable. Life is unpredictable. Expenses pop up. Markets swing. But here’s the question: What if peace or security isn’t found in your circumstances at all? What if the foundation on which you’re building isn’t as solid as you think? On the next Faith & Finance Live, Rob West shares the real secret to financial wisdom. Then, he addresses your questions on various financial topics. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.
JPMorgan Chase ended up spending at least $20 million in legal fees as part of its $75 million settlement with the U.S. Virgin Islands over allegations of facilitating Jeffrey Epstein's sex trafficking operations. This settlement included $55 million for local victim and enforcement programs, $10 million dedicated to mental health services for survivors, and $20 million explicitly earmarked for covering legal expenses tied to defending those claimsIn addition, the bank incurred substantial legal costs defending itself in a class-action lawsuit by Epstein's victims, which resulted in a separate $290 million settlement. Although detailed breakdowns of legal fees for that settlement aren't public, internal figures indicate that JPMorgan paid over $1 billion in total legal expenses over a recent six-month period, driven in large part by litigation related to Epstein and other controversies.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:JPMorgan legal fees in Jeffrey Epstein sex traffick cases revealed (cnbc.com)
I want to scream at you But even standing at my shoulder length My eye at your chest. You'd be a million miles away Look what I make of you. I have no mistakes left and still The fate of it is that, You have my gratitude, your gracious And yet they eat away At all the things I have And maybe there'll be more of me For now the morbid days are just as caving in as Any other making that we make of it Don't thank me, Just outrank them. Banking on your every moment Effervescent, tragic endings Waiting on your every scent and center Don't disintegrate just yet And now we enter impact Stand for circumstances Do work faster Horror horror Do you know the motive of her Former engines? Motive, motive Steer the plot or rear the message m Fritter fritter Audiences get disinterested So effing quickly. Would you mild or would you mold Or would you wake to fold the eggs into the bacon, Bread, and then tomato— Would you fear her message? Would you quick forget you're on her planet? Surely safe to know But know but knots And no but not again You bought it with your faux and auctions Hallmark cards And feathers fauxes Don't you know The faucet's only running water Oh you're hard predictable And chlorinated Oh the poison Dripping at your ways And wilting at your guilt The James The reckon gestures Reckon, Avery Severed by the check Or just the ever ending Never get there Message to a friend To just keep going When she ends it It is just another death You'll get on with it In the end Never friends. Never. Good I hate you Could you maybe Find me ugly? That's your money in my Every reaching corner Every angling cent And harsh presentations of Skin that's aging and Wages which haven't Coverage to front the Expenses, Crash diets Go broken Ugly cause you're course Everything fits But still empty on the inside I live in shredded Shambles of service But there's no gratitude My breath is only your own And this bread is my headache I haven't a sermon Or diamond Or unworthy Sex appeal And really only Ever off when Only ever on You're still demolishing the board You're still diminishing the severs Yet you neglected Each and every Crevice of this Never ending friendship— But did I ever mention there is a glass slipper For each and every person ever Just to wish one? Did it ever occur to you The circumstances you are under r Live for it Or get lost There's really only porridge in her oven If the gas or turning off or over Don't turn over now The resin's covered in the Corvette. Only cause I had to Sense when is it Blood sense. Get laid Don't flinch Get paid Gold finch Get reckless I call spirits north for dinner South for lunch And up for porridge at breakfast I've passed on I've been awake You're mortal girl The one you're on is Really only such a small pond That I should think To cover up With dirt. Start over. —and Skrillex is just in the corner the whole time playing video games. Worst dream ever. But why's Seth Meyer's mad at me? I'm guessing he always was! He's people are just like that All conservative, conformed— Again, it's not your fault It's just uncomfortable! Again I only ever approached it wanting to know If the l broach l fits But even Lucille Ball won't come if I call her— Probably don't even got the right number Code of arms Or helm of awe, huh. Fuck, man. When's Tonight Show in hiatus Need you off the island, off In Prague And out my anus, Don't remind me I've been Jamie Lee Curtis Just recently enough That I miss it. Ugh. I know, I resent that. Find a line to draw Or fly a kite past I'm past my reckoning Just for tonight, The suffering ends Surely not enough to past the time Before my electrolytes fly in But tonight Just tonight I want to dine in my mind Or die alone Without trying to find the light— The neighbor simply seems to follow it. (At least I got her ought to not slam the door now, Police interventions, There really are cause for those.) What is a warfare! Buy me a checkmark! My question mark seems to go off a lot All for it God, You're remarkable I gift a heart or though I out all my crystals in the Rockerfeller plaza But still held on to an amethyst for Dillon Francis? There those eyes are again; I hate to hurt you North; But I'm no mother board Or mother ship Or Mother Earth Broke my focus long enough to call you up, But sure, I'm just short of even past conscious. Nothing's safe for us, you know. One one to call; No code of conduct– No safety in numbers, or color guard No home, and no love in our times For our kind– We're all here now And the wrong time Is all time. {Enter The Multiverse} Do you see me? I don't not see you. Well. Well. I thought there'd be more having to say. There's nothing to say. Not nothing… Nothing. Huh. —unless you say it. I've nothing to say. Then say nothing. The frog croaks, The oak leafs, The custard leaves its corridors The hark leaps The oath melts, The sworn have sworn To never mark. To no remose, To no remark; The carrier, and carry her— The fierce need, For Vegabonds, For every caper read Amen. All is spoken; And all in thought also in words All is listened And all has heard not in her form Stiff. You're horrified. You're horrifying. Sure, but— Brother— Broken— Nothing that I've never heard before Capable. Half-friend. Northerner. Cape cod. Hamptons. Fair straights. Ancient. Sacred. R I T U A L S LEGENDS: R I T U A L S OH GOD. No! NO! NO! It just keeps going! Thank you! Thank God. I thought it was over. You were invoked. I was implicated. Fun fact: Here's the thing. You were murdered. Ah, gains. Why the fuck do I never get to just choose when this happens? Cause you don't. This isn't fair! I watch 2 segments of— STEPHEN COLBERT enters. *shattered. Shithead. STEPHEN COLBERT enters shattered. —I was shattered when I heard about it. What's that? Never you mind. I didn't— I just— asked. He finds his way to the round table in the center of the dark room. He seems twisted; it's as if he's been blindsided. Capable. And still there's nowhere In here The city we share I can go To make the sound Eager to leave my soul As how I know you. Awkward! Just wait. You've been betrayed! I— know that already. Is this your card? {Enter The Multiverse} GET OFF THE TRAIN. — Lil bitz Fool. Why every time I see you, you look guilty. Why. You never look innocent at all. If something went down — I know it was you. Hide a lie; Can't hide a lie Can't tell a tell Can't roll the ball Can't bowl the strike Can't run at all Can't fool the hare Can't skin the cat Can't dance a bit Don't row the boat Can't play the role Don't know the tune Can't trim the tree Can't hold the bowl Can't kill the fowl Don't tell the tale. Hide a lie. Run a mile Taste the bile Fill the basket Now you're moron Now you're mortal That's immoral Jimmy Fallon —that's a turtle. Tell the lie. Hide the fold. Kill the curse; Sail the ark Fill the void Hate the gap Kill the king Tell the tale Tell a lie Hide the [The Festival Project ™] knife. In for life, or what? Info wars at most. Live to tell the tale? Learn to spike the punch Learn to punch the wall Lean up on the door Learn to most of all Shut the fuck up Keep your mouth shut I love New York Give the bad news Put a smile on Oh you gotta love it I get close to nothing once a month And then come back To pull the puffer out the dragon Goddammit what you want me for I learned another lesson Don't devour her All I wanted was Just a sour odor Give the last call I go heroin blind For heroine times And by the time it all gets darker I will have pulled the plug and written on the wall in Permanent marker. ugh. Fuck you. Fuck The Doors. Fuck your chorus. Fuck your archer. Fuck, you found I. I all for her, Shoot the wombat; —But the door shuts on its own Without it getting harder, now. Don't it? Donut. i don't— Belt buckle. Belt buckle. Belt buckle. Belt buckle. I— Belt buckle. Belt buckle. Belt buckle. Belt buckle. I— Belt Buckle Belt buckle. Belt buckle. Belt buckle. I don't— Belt buckle— Belt buckle. Belt buckle. Okay. I— Belt buckle. Belt buckle. Belt buckle. Belt buckle. I— Belt Buckle Belt buckle. Belt buckle. Belt buckle. I don't— Belt buckle— Belt buckle. Belt buckle. Can I contour? Not even one episode Or epicenter Even for a lonely I got the warning For your magnitude before So what you want It's just a test Pacific coast Or night crawler Nightmare or Nightfall You swore you won't I do desire not a lover But a hand to hold And father for my own So. Shove it up your Probably want a I don't need disaster warning What you wanted Limoncello Light waves And light gave a damn I have a dance I cave to for And there you are Just a horrible oar, Now I row the boat But you don't disaster Nor could you decide to divorce her Even if I ever worked At Art gallery Organizers God, you wore her sweater Just to make it all seem rather backwards If perchance I ran my hand just over All the soft Love in the world Are you not a dozen roses? To far my flames I gave you my heart Flower Done moving Don't moon Did you really pay the neighbor Just to hate me Haven't you heard On our earth There's turf war? So far, white doves But no lost wolves, Poor pigeons, following Of course you were hard wired I hate not once But all times the hurt Each time I struck Sure I want for California And Equinox saunas And then no more do I run the tub! But for now as I soak and the roach prowls, I get my motion under the water, Sure form and no more fire till the moon comes up who rose at dusk? Likely or lite brawl Sire, You care to hard work But you desire awful I was right in all forms Now I die here Your knife and all you are Feels right as blood pours out I want but only suffer Your call could only burden My tie to fall a lark Cries Out In To Her Arms you fall and I desire I desire I now Have a heart to cry I died, sir. You won. How awful. Just a nugget of truth, This window of lies, A mask so broken And yet in the cracks there, my mirror My shadow My hard times Out to work And off to war And what you wanted No, not outside Inside love But nevermind that Now the blood pours out and sweet, I thank to this relief and finally Rest, I. No longer shall I mourn your love to not And know the guilt is slain in you anew, my heart Dear shadow, youth becomes my blood And dear far cry, Dear boy you, Wait to know me in again another There came and withered and your force Now knows mine, Never end and tethered, There I wait, then Now I blood and dreaming, sleeping in Your pure, Decency. I have strike and so wait my end; And you, go on, Now without my voice. A harp. Welcome to Ecuador. What are you doing here? I grow bananas. Every once in awhile I have you over For a cocktail Or five. Every night I tighten my eyes on you, Thoughts. Every space in time Is just a collar Dog A bark. Every time you call I still come over Though you do not want, I opposite. You see, You are time. I see you now, God. I feel your heart, I Can involve My lips quaking Your worried me My fall, right? Why— I belong in your eye, Why, Heart my home, I, Never go. Never not. Bullet to a gun For to wish I'm not awake And to dream though seek, I call And to worry Wishes swimming Thunder rolls and Hard I fall So wait and weather Weather storm And feather. You know I'm locked, and fault Too consumed by news cameras Noise tied around my, Neck your beck and call My battered back And there is she All I am not And movement, You controller Red and virtuous Are thy neither my friend, Nor foe, Nor narrow and the neck, dripping The feet, and defeated I am in my shallow Your wish is my make her I make thy for glory She the golden trophy, Truth, you will not with, These, you will decanter Encounter; or I slay you in my motion I say your name and sheild thy slain And there you are, a force And here she comes, a brain My greying matter; Your Tuesday, Wednesday She fears me not One, two, four blue eyes I'm nothing now Six blondes, four heartaches I rung, you wanted I eat, you shatter I starve, you know me Then in the waste My waist till not your honor And so, I go And she And she And she And she Eighty five and one divine But all are yours And yours are mine So then. We have killed her. And there, she lay slain, And ye, we rejoice And yet, we became To seize, none has not To breathe, yet remains— The truth comes our time, As body decays. Fuck. I don't think that was it. Nevermind. *fixed it . {Enter The Multiverse} The Complex Collective © [The Festival Project ™] -Ū.
JPMorgan Chase ended up spending at least $20 million in legal fees as part of its $75 million settlement with the U.S. Virgin Islands over allegations of facilitating Jeffrey Epstein's sex trafficking operations. This settlement included $55 million for local victim and enforcement programs, $10 million dedicated to mental health services for survivors, and $20 million explicitly earmarked for covering legal expenses tied to defending those claimsIn addition, the bank incurred substantial legal costs defending itself in a class-action lawsuit by Epstein's victims, which resulted in a separate $290 million settlement. Although detailed breakdowns of legal fees for that settlement aren't public, internal figures indicate that JPMorgan paid over $1 billion in total legal expenses over a recent six-month period, driven in large part by litigation related to Epstein and other controversies.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:JPMorgan legal fees in Jeffrey Epstein sex traffick cases revealed (cnbc.com)Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
This week's topics: • Having enemies or being an enemy • Making enemies unwittingly • Asking people why they don't have children • The best superman • Fantastic Four movie v Superman movie • The best Joker • Does it mean more for a manager to pay for a trip for their employees than to use company money • Is it wrong to pay for a date with company money • Is it wrong to pay for an engagement ring with company money • Lux Afrique Polo Rundown • African models over African American models • AITA for not telling my friend with benefit about our loss • #StavrosSays : K-Pop Demon Hunters [https://www.netflix.com/title/81498621] Connect with us at & send your questions & comments to: #ESNpod so we can find your comments www.esnpodcast.com www.facebook.com/ESNpodcasts www.twitter.com/ESNpodcast www.instagram.com/ESNpodcast @esnpodcast on all other social media esnpodcast@gmail.com It's important to subscribe, rate and review us on your apple products. You can do that here... www.bit.ly/esnitunes
The game of golf is challenging, but it's also extremely expensive. But how expensive is it? Join host Jeff Hartman as he breaks down all the fees associated with the game on the Tuesday Fairways & Dreams podcast. That and the latest news and notes in the game of golf. This podcast is a part of the Golfer Gang Network of podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices
JFDI with The Two Lauras | For Freelance Social Media Managers
Expenses – they don't have to be complicated! You're probably already spending money on the 6 things we're discussing in today's episode, but haven't realised they count as business expenses, so it's time to change that.From The Social Media Managers' Toolkit, to your phone bill (yes really), there might be some things on this list that you weren't expecting to see. Tune in now to reduce your tax bill!In this episode, we're chatting about:Why you want to expense as much as you can affordHow you can easily keep track of your expensesWhat you need to bear in mind when working out if something can be expensedIdeas of things you use daily that you should be able to expense as a social media managerCheck out the full show notes here!Connect with usIf this episode has resonated or inspired you, take a screenshot and tag us in your stories @thetwolauras!We would love to continue the conversation with you, so come and chat with us on your preferred platform by searching for @thetwolauras.
Tax Pro Nation | The Podcast For Independent Tax Professionals
Daren Gress EA leads the conversation on how to report general expenses on Schedule E, covering key topics like depreciation, repair regulations, and the distinctions between business and residential rental properties. For more information about the episode visit us at prontotaxschool.com or email us to support@prontotaxschool.com
It's not uncommon for small law firm owners and solo practices to struggle with cash flow and bills. Expenses for running a law firm are often high and unpredictable. Incoming cash flow can be irregular. So how can business owners achieve financial freedom? Darren Wurz, Founder of The Lawyer Millionaire Founders Network, sits down with LAWsome co-hosts Tanner Jones and Matt Smyers to share tips and tricks about law firm finances. They discuss why maximizing profit is just as important as growing your revenue. One of Darren's philosophies is to treat savings like you are paying a bill. Non-negotiable. Tune in to find out how to stay ahead of the cycle. You can connect with him on his websites here - Lawyer Millionaire Founders Network: https://www.lawyermillionaire.com/ Wurz Financial Services: https://wurzfinancialservices.com/ His Podcast: https://the-lawyer-millionaire.blubrry.net/ His Book: https://www.amazon.com/Lawyer-Millionaire-Maximizing-Minimizing-Confidence/dp/1639051473 TLDR: In this episode, you will learn how to Pay yourself first to build financial stability. Plan for cash flow gaps with forecasting and reserves. Treat savings like a monthly bill.
Nick Maggiulli is an author, the creator of Of Dollars And Data and the Chief Operating Officer at Ritholtz Wealth Management. Today on the show we discuss: why buying a house could be a terrible decision, how to build wealth even when you are broke, common money myths you need to stop believing, what it actually takes to hit $10M, how to enjoy your wealth guilt free, why cutting down on expenses won't make you rich and much more. ⚠ WELLNESS DISCLAIMER ⚠ Please be advised; the topics related to mental health in my content are for informational, discussion, and entertainment purposes only. The content is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek the advice of your mental health professional or other qualified health provider with any questions you may have regarding your current condition. Never disregard professional advice or delay in seeking it because of something you have heard from your favorite creator, on social media, or shared within content you've consumed. If you are in crisis or you think you may have an emergency, call your doctor or 911 immediately. If you do not have a health professional who is able to assist you, use these resources to find help: Emergency Medical Services—911 If the situation is potentially life-threatening, get immediate emergency assistance by calling 911, available 24 hours a day. National Suicide Prevention Lifeline, 1-800-273-TALK (8255) or https://suicidepreventionlifeline.org. SAMHSA addiction and mental health treatment Referral Helpline, 1-877-SAMHSA7 (1-877-726-4727) and https://www.samhsa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices
Join host Shaye Wanner on the Casual Cattle Conversations podcast as she chats with Patrick Jones from the Noble Research Institute about strategies for ranch profitability. Learn how to set realistic financial goals, manage overhead and direct costs, and avoid common accounting pitfalls to ensure your ranch thrives. Learn more about Noble: https://bit.ly/3DD7uG0 Timestamps: 00:00 - Introduction 02:15 - Meet Patrick Jones 05:30 - Setting Financial Goals 10:45 - Understanding Overhead Costs 15:20 - Direct Costs and Common Mistakes 20:00 - Resources and Courses for Ranchers 25:30 - Patrick's Reflections and Advice Hashtags: #RanchProfitability #CattleConversations #SustainableRanching
![Thoughts On Money [TOM]](https://ivyfm.s3.amazonaws.com/i320/653741.jpg)
This week's blogpost - https://bahnsen.co/44SfyfP Mastering Your Finances: The Importance of Understanding Expenses In this episode of the 'Thoughts On Money' podcast hosted by Trevor Cummings and his colleague Blaine Carver, the duo delve into the intricacies of managing and understanding expenses. They emphasize the importance of recognizing different types of expenses, including small, big, recurring, and one-time expenses, and introduce a new category called collateral expenses. The discussion aims to provide listeners with practical insights on how to categorize their expenses effectively, understand their spending patterns, and ultimately strengthen their financial plans. Listeners are advised to study their top expenses, consider collateral costs, use aggregation tools to get a full picture of their finances, and ensure they are not making repeated financial mistakes. The episode concludes with wisdom on using past financial experiences to guide future decisions. 00:00 Introduction and Podcast Theme 00:24 Understanding Expenses: An Overview 02:49 Small Expenses: The Big Debate 09:49 Big Expenses: The Real Game Changers 17:19 Recurring Expenses: The Hidden Costs 21:26 Understanding Collateral Expenses 22:29 The Domino Effect of Home Purchases 23:24 Hidden Costs of Vacation Rentals 26:40 The Reality of One-Time Expenses 30:09 The Importance of Budget Buffers 34:07 Learning from Financial Mistakes 38:41 Final Thoughts and Practical Advice Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com
Thanks to our Partners, NAPA Auto Care and NAPA TRACS This episode features Alex and Bob Saladna, father and son founders of WickedFile, as they share how their software helps auto repair shops boost profitability by tracking parts, returns, and credits. WickedFile uncovers hidden losses from uncredited returns, missing parts, and even employee theft. A standout feature, Navigator, is an AI assistant that answers questions about shop data, offering insights into declined jobs, inventory, and customer trends. The system also streamlines audits and generates custom reports, freeing up shop owners to focus on growth. Whether you're looking to reduce losses or gain better control of your business, this episode offers practical, high-impact tools for shop success. Alex and Bob Saladna, WickedFile Show Notes Watch Full Video Episode Tracking Parts and Expenses with Data Mining: Discover Your Weaknesses: https://remarkableresults.biz/remarkable-results-radio-podcast/e970/ Introduction (00:00:00) WickedFile's Impact and Updates (00:02:25) Parts Management Challenges in Shops (00:03:40) Examples of Loss and Vendor Issues (00:04:46) Supplier Accountability and Credit Assurance (00:05:27) WickedFile's Profitability Impact (00:06:13) Tracking Every Dollar and Credit Recovery (00:07:54) WickedFile's Dashboard and Red Flags (00:09:45) Clarifying Profit Metrics (00:10:44) Catching Bad Actors and Expense Matching (00:11:02) Audit Readiness and Transaction Transparency (00:12:17) Introduction of Navigator AI Assistant (00:17:26) Navigator in Action: Declined Jobs Analysis (00:17:47) Using Navigator for Inventory Optimization (00:22:00) Deeper Business Insights and Marketing (00:25:27) Ease of Document Input and Adoption (00:26:01) A Origin Story of WickedFile (00:27:09) Custom Reports Feature (00:30:10) I High-Risk Repair Orders Example (00:32:16) Behavioral Impact and Operational Efficiency (00:33:58) Thanks to our Partners, NAPA Auto Care and NAPA TRACS Learn more about NAPA Auto Care and the benefits of being part of the NAPA family by visiting https://www.napaonline.com/en/auto-care NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Connect with the Podcast: Follow on Facebook: https://www.facebook.com/RemarkableResultsRadioPodcast/ Join Our Virtual Toastmasters Club:
Retirement Lifestyle Show with Roshan Loungani, Erik Olson & Adrian Nicholson
Summary: In this episode of the Retirement LifestyleShow, Adrian Nicholson discusses the often-overlooked topic of living expenses in retirement. He breaks down major recurring costs such as housing, healthcare, food, subscriptions, and travel, providing practical tips formanaging these expenses effectively. The conversation emphasizes the importance of understanding and planning for these costs to maintain financial stability in retirement.Hashtags: living expenses, retirement planning,healthcare costs, food expenses, subscriptions, travel planning, financialtips, budgeting, cost of living, retirement lifestyle, investing, stock marketChapters00:00 Understanding Living Expenses04:37 Healthcare Costs in Retirement06:55 Food and Grocery Expenses08:51 Creeping Costs and Subscriptions10:47 Travel Expenses and Planning13:07 Conclusion and Key TakeawaysFollow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.comhttps://www.youtube.com/@retirementlifestyleshowhttps://twitter.com/RoshanLounganihttps://www.linkedin.com/in/roshanlounganihttps://www.facebook.com/retirewithroshanhttps://www.linkedin.com/in/adrian-nicholson-74b82b13bAll opinions expressed by podcast hosts and guests aresolely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for generalinformational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional
Discover why homeowner's insurance premiums are increasing. It may surprise you what states they are and aren't increasing a lot. Find out the reasons why. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters! INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here. #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. (Some links are affiliate links. There is no additional cost to you.)
Join host Shaye Wanner on the Casual Cattle Conversations podcast as she chats with Patrick Jones from the Noble Research Institute about strategies for ranch profitability. Learn how to set realistic financial goals, manage overhead and direct costs, and avoid common accounting pitfalls to ensure your ranch thrives. Learn more about Noble: https://bit.ly/3DD7uG0 Timestamps: 00:00 - Introduction 02:15 - Meet Patrick Jones 05:30 - Setting Financial Goals 10:45 - Understanding Overhead Costs 15:20 - Direct Costs and Common Mistakes 20:00 - Resources and Courses for Ranchers 25:30 - Patrick's Reflections and Advice Hashtags: #RanchProfitability #CattleConversations #SustainableRanching
In today's world, it's easier than ever to spend money, but what if we told you that keeping your expenses low is one of the most powerful financial moves you can make? This episode dives into the "why" behind frugality, revealing how it unlocks financial freedom, reduces stress, and allows you to build wealth faster. CONQUER SHYNESS
This week, we have some updates on Trump's appeal in the E. Jean case and the case against Alex Jones brought by the families of the Sandy Hook massacre. Trump pardons are costing American taxpayers over $1.3B. The DoJ is asking for life in prison for Edward Kelley for the January 6th insurrectionist's FBI murder plot. Plus, we have some comings and goings, and a little more on the Proud Boys' lawyer Augustus Sol Invictus.Thank you, CB Distillery.Use promo code CLEANUP at CBDistillery.com for 25% off your purchase.Specific product availability depends on individual state regulations. Allison Gillhttps://muellershewrote.substack.com/https://bsky.app/profile/muellershewrote.comHarry DunnHarry Dunn | Substack@libradunn1.bsky.social on BlueskyWant to support this podcast and get it ad-free and early?Go to: https://www.patreon.com/aisle45podTell us about yourself and what you like about the show - http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=short
In this two-part episode, we're diving into strategies for building wealth as a modern parent. First, Kelly Palmer—a financial planner and founder of The Wealthy Parent—joins the show to break down how to choose a 529 plan. She shares the pros and cons of different education savings options, the impact of the new SECURE Act updates, and why she's a proud 529 mom herself. If you've been feeling overwhelmed by college savings decisions, this segment is full of clear, practical guidance. Then, in our Net Worth Win segment, Shang Saavedra from Save My Cents reveals how she and her husband built a net worth north of $2 million by age 39. From a revenge-of-the-nerd money mindset to embracing FIRE, Shang's story is packed with lessons on frugal living, dual-income saving strategies, and long-term thinking. Whether you're focused on education planning or financial independence, this episode delivers actionable tips and real-life inspiration. EPISODE RESOURCES Nectarine (Advice Only Financial Planners): https://marriagekidsandmoney.com/nectarine (affiliate) The Wealthy Parent: https://thewealthyparent.com Wealth is a Mindset (Book): https://amzn.to/3FQT0nh (affiliate) Save My Cents (Shang Saavedra's Website): https://savemycents.com/ CHAPTERS 00:00 – Introduction01:00 – How to Choose a 529 Plan05:20 – Tax Benefits and State-Specific Rules09:00 – SECURE Act Updates and New Roth IRA Rollovers13:45 – 529s vs UTMAs and Roth IRAs for Kids18:00 – Final Thoughts from Kelly Palmer20:30 – Net Worth Win: Shang Saavedra24:15 – The Mindset Shift Behind Wealth Building29:30 – Living on One Income and Saving the Other33:00 – Renting by Choice and Real Estate Insights36:00 – Teaching Generational Wealth Through Habits38:30 – Future Goals and Advice for Parents MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free. YouTube: Subscribe for free to watch videos of these episodes and interviews. RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES): Monarch Money - Best Budget App for Families & Couples Empower - Free Portfolio Tracker Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link Ethos - Affordable Term Life Insurance Trust & Will - Convenient Estate Planning HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices
How do the Mariners balance a need to be aggressive at the trade deadline with the lack of top tier talent expected to be available? Then, Joon Lee joins us to talk about his NYT piece on how private equity and streaming services are making it more expensive and less communal to be a sports fan.
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