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We share our best tips for using Monarch Money to track expenses, manage separate accounts, and keep our financial lives completely organized. We discuss how to remove the friction from budgeting and expense tracking and why a consistent approach beats perfection every time. Whether you are already a Monarch power user or just looking for a better system, we are breaking down the exact strategies that work for us.Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/167-how-we-automate-and-track-our-expenses-our-favorite-monarch-tips-tricks/
"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.
In this episode, we ask: Why is the consumer sentiment rating in the basement? What is projected to run dry? What are people voting with their wallet for? Would you like to begin with capturing your monthly cashflow with No. 1 The White Belt? Would you like to continue on with the most important people in...
Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr,visit my website Are you underestimating your retirement expenses?One of the biggest mistakes I see pre-retirees make isn't poor investing, claiming Social Security incorrectly, or even tax planning mistakes. It's failing to accurately estimate what retirement will actually cost.After 18 years helping people plan for and execute retirement, I've noticed the same retirement expenses catch people by surprise over and over again.In this episode, I break down the 7 retirement expenses most retirees underestimate, including:✅ Travel and the "Go-Go Years" of retirement✅ Home repairs, renovations, and aging-in-place upgrades✅ Retirement tax planning opportunities and tax surprises✅ Financial support for adult children and grandchildren✅ Hiring help for tasks you used to do yourself✅ Vehicle replacement costs✅ Healthcare, Medicare, and long-term care expensesIf you're within 5-10 years of retirement, already retired, or trying to determine how much money you need to retire comfortably, this episode will help you build a more realistic retirement budget and avoid costly planning mistakes.Why most retirees underestimate expensesMy own experience underestimating costsThe expensive "Go-Go Years" of retirementHome repairs and renovationsTax surprises in retirementAdult children still on the payrollPaying others to do things you used to do yourselfVehicle replacement costsHealthcare and long-term care expensesWhy retirement spending isn't linearThis is for general education purposes only and shouldnot be considered as tax, legal or investment advice.
Expenses are rising everywhere, and employees and employers alike are feeling the strain. Recruiting and retention is becoming less about who can provide the top dollar, and rather who can provide the best benefits, and most safety. But many of the benefits that help the most, no one knows about. It's up to HR and Benefits leaders to not only build a comprehensive benefits package, but to research and educate both their leaders and employees on how best to utilize what's offered. It's a tough ask, but with so much uncertainty in the world, HR leaders have the chance to make the biggest impact in their employee's lives. On this week's episode of the HR Works Podcast, we'll be looking at part one of our latest benefits webinar, featuring Emma Soy, Founder and CEO of Gentle Shepherd Care, and Creator of Gentle Care Navigator, Matt Totsch, Vice President of Compensation & Benefits, Wabtec and Margaret Wortley, Executive Managing Director, Benefit Services and Payroll, Webster Bank, where we discussed how you can do your total rewards right, and supply your team with the best support available.
Money Talks is hosted by Dr Nancy Lottridge Anderson, President of New Perspectives and Ryder Taff, Managing Partner at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, Nancy and Ryder discuss the Space X IPO and share tips for cutting housing expenses.If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast. Hosted on Acast. See acast.com/privacy for more information.
20,000 Dollars, 4 Cards, 400,000 Points. Spencer Reese of the Military Money Manual podcast sits down with Taryn from The Military Travelers to break down how military families can turn PCS moving expenses into free travel — without spending a single extra dollar. From sign-up bonuses to Hyatt Globalist status, this episode is packed with practical strategies for the upcoming PCS season. Topics Covered PCS Season Spending Strategy — Why PCS moves generate $10,000–$20,000+ in spendable expenses and how to redirect that spend to hit credit card sign-up bonuses GTC vs. Personal Cards — The frustrating reality of the Government Travel Card and why (for most branches) personal cards make more sense Branch-Specific Rules — Important caveats for Navy families and other branches regarding on-post lodging forms and card usage policies The Math of Points — Why putting PCS spend on one existing card (like the Amex Platinum at 1X) leaves massive value on the table compared to opening new cards Business Cards for Military Families — How a PPM qualifies you as a sole proprietor, why business cards don't hit your personal credit report, and how the Chase 5/24 rule makes them essential for bigger families Current Elevated Offers — Hot cards highlighted: Chase Sapphire Reserve (150K points), Atmos Summit (100K points + 3X on foreign transactions), United Club, Marriott Brilliant, Hilton Aspire, and Delta Reserve TLE Maximization — Using all 21 days of Temporary Lodging Expense, loyalty numbers, and stacking hotel promos during your move Hyatt Globalist Corporate Challenge — How a .mil email address unlocks Globalist status after 20 nights in 90 days (valid through February 2028) Multiple Cards Strategy — Holding multiple Hilton Aspires and Chase Sapphire Reserves, and the tip to align annual free night certificate expiration dates Military Spouse Eligibility — A reminder that spouses are fully eligible for annual fee waivers under MLA/SCRA Resources Mentioned The Military Travelers — themilitarytravelers.com | Facebook Group: "The Military Travelers" | Instagram: @themilitarytravelers Travel Freely (travelfreely.net) — Zach's beginner's guide to business cards and sole proprietor applications IRS EIN Application — Free Employer Identification Number at irs.gov (2-minute online form) Hyatt Globalist Corporate Challenge — Search "Hyatt Globalist Corporate Challenge" and enroll with a .mil email Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
Quite frankly, it's all getting a bit much. We're all tightening our belts, we're making decisions about where we're spending our money, what we're spending it on. The rates keep rising, insurance levies keep going up, the cost of everything is through the roof. And for many, many people, there's not a lot of disposable left at the end of the day. Even people who are earning pretty good salaries are suddenly finding there's not as much left at the end of the pay cycle as there used to be. Meanwhile, our House of Representatives are seeing the members gouging the taxpayer for every last cent they can get out of us. Louise Upston is claiming the full $1,000 a week ministerial housing allowance, which she's perfectly entitled to. It's designed to support MPs based outside Wellington with the cost of maintaining two homes. And you understand that. When you become a Member of Parliament, your business is in Wellington, but you might be representing the people of Timaru. You have a home there, a family there. So where are you going to live while you're in Wellington? Your employer should pay your expenses given you're required to be there. So the employer does. It offers an allowance to MPs who are not from Wellington to live there. That is us, the taxpayer. So, fair enough. But Louise Upston owns an apartment in Wellington and according to the register of financial interests, which all MPs have to fill out, there's no mortgage on it. Again, good for her. She's paid off the mortgage on that apartment and presumably her home. But what costs does she then have to claim? There are none. She owns the apartment outright. So she's claiming a cost she's legally entitled to, but should she be? She said at the time, it's an entitlement, I'm well within the rules, I can do it. Louise Upston's case unfortunately came just a week after she reduced the eligibility of homeowners to claim the accommodation supplement payment. She said we want to target support for the accommodation supplement to those who need it most. They are renters, they're not people who are using taxpayer support to increase their own asset. Hello! Are we looking in the mirror? She's not the only one, of course. Labour's Kieran McAnulty, Jan Tinetti, they have properties in Wellington, although they may still have a mortgage. New Zealand First's Andy Foster's doing it. He was the mayor of bloody Wellington and now he's claiming an accommodation allowance for a home in Wellington. Then we find the MPs in the parties, the different political parties, and again, all of them are doing it. Yeah, we wonder why they don't work together more often. Oh, they do, when it comes to their perks and allowances. We find the MPs in parties that own commercial property, which they rent to Parliamentary Service to operate as their own electorate offices. So they own the building, they say to Parliamentary Service, have we got a deal for you? We'll rent this and you pay for it because it's our electorate office. They defend this by saying the offices are rented at below market rates, and again, everybody does it. And then there's the superannuation. Chris Hipkins has defended using a generous taxpayer funded private super scheme to buy his family's holiday home by saying it's my money, I can do what I like with it. And it is, he can. But Heather du Plessis-Allan this morning interviewed Chris Hipkins, and I think outlined in an excellent manner just how it looks. HDPA: None of us are getting $60 to $70,000 popped into our superannuation funds every year by our employer, in your case the taxpayer, which we're then able to withdraw and buy a beach house with. This is the ruling class who has a different set of standards from everybody else. It's not right, is it? HIPKINS: The superannuation provisions that Members of Parliament get are generous superannuation provisions compared to what other members of the public get. I'll absolutely agree with that. HDPA: Do you need to change it? HIPKINS: Well, look, I think Members of Parliament are in a unique role. When people put their hands up to be Members of Parliament, in many cases they're basically leaving behind jobs that they cannot go back to. And we've just talked about an example of that now. When someone puts their hand up to be an MP, it closes off a lot of future potential job opportunities for them. So for many people when they put their hand up to be MPs, it will be the last job that they do. He was referring to Rakesh Naidoo, who is no longer working for Police now that he's put up his hand to be a Labour list MP. But we're told that the reason why backbenchers and MPs have diverged so far from other public servants like police, teachers, nurses – all of the salaries used to be around about the same in the 80s, MPs, police, nurses, teachers. Oh, it's very, very different now. We're told that the reason we're paying so much money is not because they can't get a job when they leave, but because they're so special and their talents are so unique that the private sector would snap them up in a heartbeat. And that is why we give them $177,600 for a backbencher, a learner MP, $320,600 for a Cabinet Minister, and $510,300 for a Prime Minister. Plus the expenses, the living accommodation, office expenses, travel allowances, plus the superannuation. With the superannuation, they get $2.50 for every dollar that the MPs put in from us. The contribution's capped at 20% of an ordinary MP's salary, which works out at $36,240 for every MP as of July 1st when the new rates kick in. So what's it to be? We can't do that. I mean, sure, if you're in a private super scheme of your own with different terms, you can take it out and do what you want with it. But dumb shmucks like you and me who are locked into KiwiSaver are limited to what we can do. We can't buy a second property with ours until we're 65, but hey. Are MPs of every colour and hue —apart perhaps from the Greens who seem to be able to maintain a shaky kind of moral high ground— just having a laugh? Everything is completely legal. Completely legal, but is it right? We're told we have to pay them that much to prevent the private sector from snapping them up. But really, where else would most of those people get that sort of money? Very few of them would and do once they leave Parliament – that's why they keep snuffling back to the trough, looking at Stuart Nash and Michael Wood. They tried it in the public, in the private sector, wasn't nearly as good as working as an MP, so back they come. We're told that they're such brilliant stellar talents that we have to pay them that much, but then Chris Hipkins says they can't get a job elsewhere. Yeah, they can. What they do is they use their political nous and contacts to set themselves up as lobbyists or working for companies as lobbyists in other parts of the world. Once a Minister leaves office, they can't just pop up as a lobbyist because they've got all kinds of insider knowledge – it's like insider trading. Not here. Kiri Allan started her consultancy business two weeks after resigning as Justice Minister and she was still an MP. So while they're doing this job that nobody really wants to do, they're getting paid very well to do it. They're getting good expenses to do it. They're getting a healthy superannuation fund that we are paying them we're paying for everything, but we're paying the super fund as well. Plus, they're building up knowledge and contacts, insider info that they can then sell, either as individuals setting themselves up as lobbyists or to companies that act as lobbyists. It's all legal, but is it right? We're funding all this. I mean, would you do the job? You've heard about the perks, you've heard about the expenses. You'd have to be prepared to be hated by at least half of the population and probably half of your caucus if you're hard working and you've got ambition. There'd be a few people who wouldn't like that. So I mean, you know what the gig is. It's a hard job. Is this what we have to pay for democracy to be sustained? It's legally right, but is it morally right to be claiming these sorts of expenses when you just don't need to? And at a time where you're wagging your finger at other people and telling them they need to tighten their belts and oh, we can't just be giving accommodation supplements away to everybody. They can't use it to build their asset. Yeah, but you can. See omnystudio.com/listener for privacy information.
In this episode of Business Brain, we tackle a question every entrepreneur is starting to face: how do you tame your AI expenses before they tame you? It starts with a confession — burning through $15 worth of credits in a single morning by running everything on the priciest model — and opens into a bigger conversation about where the real costs hide. We talk about the difference between the static LLM on the back end and the front-end layer that actually shapes your bill, why one giant company torched $500 million in tokens in thirty days, and how much of that spend was pure duplication and waste that smarter tooling could have caught. The takeaway for your Business Brain is twofold. First, there’s a real opportunity in building smarter front ends — caching common answers, flagging redundant work, and routing to a local or lightweight model before reaching for the expensive cloud LLM. Second, and bigger, is the management problem: as your team grows, how do you give everyone AI power while keeping eyes on usage, protecting your data, and setting SOPs that prevent the same project from being built four times over? Most of us are still figuring it out, and that gap is exactly where the next charmed-life opportunity lives. 00:00:00 Business Brain – The Entrepreneurs' Podcast #759 for Casual FridAI, June 5, 2026 June 3rd: International Thank You Day 00:00:44 $15.22 in a morning – Paying $100/month for AI. I never thought… Claude vs. ChatGPT vs. Perplexity Perplexity Comet is the best AI Browser (even though Perplexity is the worst of the chatbots) Wispr Flow 00:09:23 SPONSOR: OneSkin. Born from over a decade of longevity research, OneSkin's OS-01 Peptide is proven to target the visible signs of aging, helping you unlock your healthiest skin now and as you age. Get 15% off OneSkin with the code BRAIN at https://www.oneskin.co/BRAIN #oneskinpod #ad 00:11:22 SPONSOR: Bitdefender. Keep your small business safe with Bitdefender Ultimate Small Business Security. Save 30% when you go to https://bitdefender.com/BRAIN 00:12:50 Smarter front ends for AI Customized corporate buffers Run a local LLM to manage your company's use of the (more powerful) cloud LLM A company opened up token usage and spent $500 million This episode's big takeaway: How does your organization manage AI use? Business Brain 759 Outtro Check out Business Brain Blueprints Tell Your Friends! Business Blueprints Review Business Brain Subscribe to the show feedback@businessbrain.show Call/Text: (567) 274-6977 X/Twitter: @ShannonJean & @DaveHamilton, & @BizBrainShow LinkedIn: Shannon Jean, Dave Hamilton, & Business Brain Facebook: Dave Hamilton, Shannon Jean, & Business Brain The post FridAI – Taming your AI Expenses – Business Brain 759 appeared first on Business Brain - The Entrepreneurs' Podcast.
Is your next business expense an investment or a mistake? The answer is always nuanced, but the right questions can help you make wiser spending decisions that actually align with your ROI expectations and overarching business goals. With nearly 20 years of experience across multiple sectors of the financial industry (banking, lending, and now financial planning and investment/wealth management), founder of independent adviser Divergent Financial Advisory Services, Alicia Martinez knows exactly how to navigate those tough spending decisions that move your business forward while protecting your budget. Back as a returning guest on our show, she goes meta in today's episode by walking us through her own decision tree and how she evaluated a recent marketing expense of her own (our offer, Instant Influence). What questions did she ask in the consideration process? How is she defining and tracking success? How can business owners effectively evaluate a financial commitment when the outcome isn't guaranteed? This is the episode to tune into before you make your next big purchase for your business. Connect with Alicia: https://difiadvisory.com https://www.instagram.com/difiadvisory https://www.facebook.com/DiFiAdvisory/ https://www.linkedin.com/company/difiadvisory/ Our last episode with Alicia: Apple Podcasts: https://podcasts.apple.com/us/podcast/cubicle-to-ceo/id1470966370?i=1000712399762 Spotify: https://open.spotify.com/episode/44nj7IVLPBcz3eTIXdqGPZ?si=wAu98ZqyRtWywBXSzkF7ag Loving our bonus content and want more Cubicle to CEO in your ears? Join us every Monday on our subscriber-only premium feed for case study–style interviews with successful entrepreneurs debriefing their real-time growth experiments and results. Subscribe to get insider access to what's actually been working for businesses in the last 3-18 months: cubicletoceo.co/podcast If you enjoyed today's episode, please: Post a screenshot & key takeaway on your IG story and tag us @cubicletoceo so we can repost you. Subscribe to our premium feed for case-study style interviews every Monday. Learn more about your ad choices. Visit megaphone.fm/adchoices
Don't Retire Until You Understand These ExpensesRetirement is about more than replacing your paycheck. Many retirees are surprised by the real costs that show up after they stop working.In this video, we break down some of the biggest retirement expenses people often underestimate, including:• Health insurance before Medicare• Medicare premiums and out of pocket costs• Inflation and rising everyday expenses• Housing and property taxes• Travel and lifestyle spending• Long term care concerns• Taxes in retirement• Emergency expenses and unexpected repairsIf you are planning to retire in the next 5 to 10 years, understanding these costs now could help you avoid major financial stress later.**Schedule your free virtual consultation
Anonymous has been in a relationship for 4 years, and it seems the pay gap between her and her partner is causing issues. Things got heated as 'Breakfast with Martin Bester' listeners shared their opinions:
Today on Valentine In The Morning: What is something that you didn't realize was expensive until you had to purchase it yourself? From clothing to every day household items, our listener's share perfect examples. Then, on Comouche's Court, Carrie is having doubts in her relationship because she thinks her and her boyfriend are on different pages... should she stick it out or end it? Listen live every weekday from 5-10am Pacific: https://www.iheart.com/live/1043-myfm-173/Website: 1043myfm.com/valentineInstagram: @ValentineInTheMorningFacebook: https://www.facebook.com/valentineinthemorningTikTok: @ValentineInTheMorningSee omnystudio.com/listener for privacy information.
In this episode, Dr. Peter Kim breaks down how he and his wife actually manage their money as a couple, from account structures to big financial decisions, and why most couples are running a system that leaves at least one person flying blind. If you and your partner have never sat down to map out the full picture together, what's coming in, what's going out, and what each person is actually contributing, this episode will change how you think about it. Tune in! Interested in PIMDCON? Know more by clicking here. Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD.
In this episode of the Stress-Free Dentist Podcast, Dr. Eric Block sits down with Dr. John Montoya — a dentist who practiced in La Jolla for seven years, built multiple practices in Colorado, sold down to one before COVID after burning out from operational complexity, and went on to found Dental Purchasing Partners: a group purchasing organisation that gives solo dental practices the same buying leverage as a DSO, without giving up independence. The conversation covers Dr. Montoya's full journey — from a childhood dream that nearly became a medical career to a seven-year La Jolla partnership, from the deliberate decision to simplify his practice portfolio to the origin of a business idea that came from a simple question to his vendors: how do I get those multi-location prices back as a solo practitioner? The answer became Dental Purchasing Partners — 80+ vendors, a $97/month membership, a procurement software that shops all major distributors simultaneously, and a promise that the first supply order will pay for the membership on its own. The episode also covers the cost creep problem in private practice — supplies running at 8% when the target is 4–6%, credit card processing fees that nobody audits, software subscriptions that overlap, and equipment purchased at 5% discounts when group pricing offers 20–40%. Dr. Eric Block and Dr. Montoya close with advice for young dentists and both offer the same formula: cash flow is king, engineer your schedule intentionally, and stop comparing yourself to everyone else.
This week on the show: Mark Zuckerberg's superyacht arrives in Seattle the same day Meta discloses nearly 1,400 local layoffs, robot pizza startup Picnic flames out and sells to a mystery buyer, and corporate America confronts the rising cost of AI, including the leaderboard-gaming practice known as "tokenmaxxing." And we return to the theme of billionaire yachts for our trivia challenge. With GeekWire co-founders Todd Bishop and John Cook. See omnystudio.com/listener for privacy information.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Jen is tired of feeling like every paycheck is already spent before it even hits the account. Between dance competitions, surprise expenses, kids' needs, and trying to “make it work,” she feels stuck in the constant cycle of hoping there's enough money to cover everything.In this coaching session, we walk Jen through the very first steps to stop winging it and finally create a simple system for her money. We talk about:Why your bills account should become your main accountHow to stop using “hopeful numbers” instead of real numbersThe easiest way to separate bills from spendingWhat to do when unexpected expenses keep popping upWhy getting everything on ONE piece of paper changes everythingHow to talk to your spouse about money when things feel tenseWhy savings buckets help with all those “random” expensesSnowball vs avalanche debt payoff methodsThe truth about living paycheck to paycheckIf you've ever thought: “Why do we make decent money but still feel broke?” …this episode is for you.
In 2025 in the U.S. alone, insurance companies and insurance salespeople sold almost half a trillion dollars of annuities. Today, Paul and Dan explain how so many people get sold on a product they don't fully understand and offer a real breakdown of the fees and commissions of various annuity products. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3563: Robert Morris explores how reducing unnecessary spending can lead to a richer and more intentional life. He highlights the emotional patterns behind excessive shopping, the value of investing in experiences over possessions, and how mindful spending can create more happiness, freedom, and opportunities for personal growth. His insights encourage listeners to rethink what truly adds lasting value to their lives. Read along with the original article(s) here: https://moneyminiblog.com/save-money/reasons-to-cut-expenses/ Quotes to ponder: "You'll be a lot happier spending money on experiences and personal development, not on new, fancy clothes or home decorations!" “By constantly analyzing your reaction to shopping, you understand what triggers you.” “Fill your life with experiences, not things. Do you want to have stories to tell or things to show? It's your choice.” Episode references: Japan Travel Guide: https://www.japan.travel/en/ Malaysia Travel Guide: https://www.malaysia.travel/ Costa Rica Travel Guide: https://www.visitcostarica.com/en/ Amazon: https://www.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3563: Robert Morris explores how reducing unnecessary spending can lead to a richer and more intentional life. He highlights the emotional patterns behind excessive shopping, the value of investing in experiences over possessions, and how mindful spending can create more happiness, freedom, and opportunities for personal growth. His insights encourage listeners to rethink what truly adds lasting value to their lives. Read along with the original article(s) here: https://moneyminiblog.com/save-money/reasons-to-cut-expenses/ Quotes to ponder: "You'll be a lot happier spending money on experiences and personal development, not on new, fancy clothes or home decorations!" “By constantly analyzing your reaction to shopping, you understand what triggers you.” “Fill your life with experiences, not things. Do you want to have stories to tell or things to show? It's your choice.” Episode references: Japan Travel Guide: https://www.japan.travel/en/ Malaysia Travel Guide: https://www.malaysia.travel/ Costa Rica Travel Guide: https://www.visitcostarica.com/en/ Amazon: https://www.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
You don't have an income problem… You might have a spending problem.In this episode, Ed and Andrew break down 7 things Kiwis keep buying that quietly destroy their ability to build wealth. You'll learn:The biggest “wealth killers” How small, everyday spending can quietly eat up 15% of your incomeThe 1 rule that keeps you sane … while you save moreWhat this really comes down to: building wealth isn't just about earning more, it's about what you keep. Start your path to financial freedom with a detailed financial plan for $0For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3563: Robert Morris explores how reducing unnecessary spending can lead to a richer and more intentional life. He highlights the emotional patterns behind excessive shopping, the value of investing in experiences over possessions, and how mindful spending can create more happiness, freedom, and opportunities for personal growth. His insights encourage listeners to rethink what truly adds lasting value to their lives. Read along with the original article(s) here: https://moneyminiblog.com/save-money/reasons-to-cut-expenses/ Quotes to ponder: "You'll be a lot happier spending money on experiences and personal development, not on new, fancy clothes or home decorations!" “By constantly analyzing your reaction to shopping, you understand what triggers you.” “Fill your life with experiences, not things. Do you want to have stories to tell or things to show? It's your choice.” Episode references: Japan Travel Guide: https://www.japan.travel/en/ Malaysia Travel Guide: https://www.malaysia.travel/ Costa Rica Travel Guide: https://www.visitcostarica.com/en/ Amazon: https://www.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
This Day in Legal History: Frontiero v. RichardsonOn May 14, 1973, the U.S. Supreme Court decided Frontiero v. Richardson, a major case in the development of constitutional protections against sex discrimination. The case began when Sharron Frontiero, a lieutenant in the United States Air Force, sought dependent benefits for her husband. Under federal law at the time, a male service member could automatically claim his wife as a dependent, but a female service member had to prove that her husband depended on her for more than half of his support. Frontiero argued that this rule treated women in the military as less legitimate breadwinners than men. The Supreme Court agreed that the policy violated the Due Process Clause of the Fifth Amendment. A plurality of the Court reasoned that sex-based legal classifications often reflected outdated assumptions about women's roles in family and public life.The decision came only a year after Congress passed the Equal Rights Amendment and sent it to the states for ratification, giving the case a larger political and constitutional backdrop. Ruth Bader Ginsburg, then working with the ACLU Women's Rights Project, filed an amicus brief urging the Court to treat sex discrimination with the same suspicion it applied to race discrimination. The Court did not produce a majority for strict scrutiny in sex-discrimination cases, but Frontiero still marked a sharp move away from judicial tolerance of laws based on gender stereotypes. Justice William Brennan's plurality opinion emphasized that women had long faced legal and social discrimination, including restrictions on property ownership, voting, employment, and civic participation.The ruling helped establish that administrative convenience was not a sufficient reason for the government to impose unequal burdens on women. It also signaled that servicewomen were entitled to equal treatment within institutions, including the military, that had historically been structured around male service members. In later cases, the Court would settle on an intermediate scrutiny standard for sex-based classifications, but Frontiero remains one of the key cases that pushed constitutional law in that direction.The U.S. Department of Justice has settled an investigation into PayPal over a 2020 investment program aimed at supporting Black- and minority-owned businesses. The DOJ said PayPal's Economic Opportunity Fund gave preferences based on race, color, and national origin without being tied to a specific remedy for past discrimination. PayPal did not admit liability, and the settlement says the DOJ did not make a formal finding that the company violated the Equal Credit Opportunity Act or other federal law. As part of the agreement, PayPal will create a new small business initiative that waives processing fees on $1 billion in transactions.The fee waivers are valued at about $30 million and will apply to small businesses in farming, manufacturing, and technology, as well as businesses certified through the SBA's Veteran Small Business Certification Program. PayPal must also submit plans for the initiative, train employees on ECOA requirements, and report annually to the government. Acting Attorney General Todd Blanche framed the settlement as part of the Trump administration's broader effort to challenge corporate DEI programs. PayPal said it was pleased to launch the new initiative and emphasized its long history of helping small businesses use digital financial tools. The settlement follows another recent DOJ resolution with IBM over workforce diversity-related allegations, showing continued federal scrutiny of corporate DEI practices.PayPal Settles Gov't DEI Probe With Small Biz Program - Law360The SEC and Elon Musk are scheduled to appear before a federal judge in Washington, D.C., to defend their proposed $1.5 million settlement over Musk's 2022 purchase of Twitter. The SEC's lawsuit accused Musk of delaying his disclosure that he had acquired a 5% stake in Twitter, allegedly allowing him to save about $150 million before the market reacted. Musk later bought Twitter for $44 billion.U.S. District Judge Sparkle Sooknanan has not automatically approved the deal and said she must evaluate whether it is fair, in the public interest, and free from improper collusion or corruption. She ordered both sides to appear in court and be ready to suggest a schedule for briefing in support of the settlement. The SEC filed the case in January 2025, shortly before President Biden left office. Musk has argued the case was politically motivated and has said the late disclosure was accidental.The proposed settlement would not require Musk to admit wrongdoing or surrender the money the SEC claimed he saved. Although the amount is much lower than what the SEC initially sought, a source told Reuters it was still the largest SEC penalty for that type of disclosure violation.US SEC, Musk to argue for Twitter settlement before DC judge | ReutersU.S. law firms saw strong client demand and higher billing rates in the first quarter of 2026, but those gains were limited by rising expenses and lower productivity. According to the Thomson Reuters Institute's latest Law Firm Financial Index, the quarter was healthy overall but not as financially impressive as firms might have expected given the level of demand. The report suggests that 2026 may not match the strong profit growth many firms saw in 2025, though analysts said it is still too early to draw firm conclusions. Average demand rose 2.7% from the same period last year, which the report described as an unusually strong increase. M&A work grew 4.4%, while litigation and overall corporate work each rose 2.9%. Large firms continued to push billing rates sharply higher, with Am Law 100 firms raising rates by 9.8%, while midsized firms increased rates by 5.3%. But expenses climbed almost as quickly, with direct expenses up 8.1% and overhead up 8.3%. A major driver of overhead growth was spending on technology, including artificial intelligence tools.Geopolitical instability, including the war in Iran, has also created uncertainty, with deal activity slowing in March and restructuring work not rising as expected. The report frames the market as still strong, but with enough warning signs that firms may need to watch costs, productivity, and client demand closely in the next quarter.Rising US law firm expenses offset strong demand and rate hikes in first quarter - report | ReutersA U.S. appeals court has temporarily paused a lower court ruling that had favored three challengers to the Trump administration's 10% global tariff. The pause means the tariffs remain in effect for two businesses and Washington state while the appeal continues. The U.S. trade court had ruled against the tariffs last week but did not issue a broad order stopping their collection nationwide. The Trump administration appealed that decision, and the U.S. Court of Appeals for the Federal Circuit issued a short-term administrative stay while it considers whether to grant a longer pause. The challengers now have seven days to argue against keeping the lower court ruling on hold. Washington state qualified as an importer in the case because the University of Washington, a public research institution, paid tariffs. The tariff was imposed in February under Section 122 of the Trade Act of 1974, after the Supreme Court struck down most of Trump's 2025 tariffs. Unless Congress extends it, the 10% global tariff is scheduled to expire in July.US appeals court pauses ruling against Trump's 10% global tariff | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe
Thinking about going freelance but worried about losing your Universal Credit? Good news, you don't have to choose. In this episode, I'm breaking down how Universal Credit actually works for self-employed people, and why it might be more flexible than you think. What we cover: Why Universal Credit isn't just for employed people, freelancers can claim too The Minimum Income Floor explained (and why it probably won't affect you straight away) The 12-month startup period and how it gives you breathing room to build your client base How to report your income and expenses monthly through your UC Journal What counts as an allowable business expense Why your work coach is your biggest ally, and their limitations too Action steps: ✓ Check your eligibility on Government Universal Credit Information ✓ Keep track of money actually received, not just invoiced ✓ Log your allowable expenses monthly (equipment, software, travel, home working costs and more) ✓ Consider a tool like FreeAgent to prepare for Making Tax Digital ✓ Ask your work coach about your startup period and whether the Minimum Income Floor applies to you Resources mentioned: Government Universal Credit Information | FreeAgent (affiliate link)| Order my book: The Freelance Lifestyle: Your Friendly Guide to Starting a Freelance Business ⚠️ Recorded April 2026: always double-check current rules on gov.uk as these can change. Subscribe for more quick, actionable freelance tips you can enjoy during a tea break! Timestamps: 0:00 – Introduction 0:19 – Can Freelancers Claim Universal Credit? (Overview) 0:55 – Universal Credit Eligibility for Self-Employed People 2:09 – What Is the Minimum Income Floor and How Does It Affect You? 3:24 – The 12-Month Startup Period: How to Qualify and What It Means 5:00 – How to Report Your Income and Expenses to Universal Credit 7:00 – Universal Credit as a Tool to Grow Your Freelance Business Follow me on Instagram Follow me on Bluesky Email: hello@emmacossey.com Come join us in the free Freelance Lifestylers Facebook group Want more support? Check out the Freelance Lifestyle School courses and membership. Join the Freelance Lifestyle Discord Community: https://discord.gg/RKYkReS5Cz
What if the biggest threats to your retirement aren’t market swings—but the everyday costs no one warns you about? On this episode of the Retirement Coffee Talk podcast, Charisse Rivers breaks down the surprising expenses retirees often overlook, from Social Security taxes and Medicare penalties to dental work, healthcare, and long‑term care. Using relatable comparisons and real‑world examples, this episode explores how “one‑time” events and miscellaneous costs quietly add up year after year. The conversation highlights why retirement planning isn’t just about monthly bills, but preparing for unpredictable moments—from major home repairs to milestone trips—and why those details matter more than most people expect. Like this episode? Hit that Follow button and never miss an episode!
Matt Schulz, Lending Tree's Chief Consumer Finance Analyst, joins Megan Lynch. He explains the pros and cons of utilizing personal loans vs credit cards to assist in bill paying.
Paul and Jim talk about those pesky expenses that seemed good at the moment but aren't really making your life any better. Listen along as they walk through an article that shares 10 things that aren't really worth the money anymore, and Paul discovers he has quite a few in-app subscriptions on his phone that he didn't realize he was still paying for. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.
The McKell Institute has introduced a proposal to transition away from traditional fuel excise taxes in favor of a universal road user charge for all vehicles.See omnystudio.com/listener for privacy information.
We are the Authority in free Car Repair Advice. Call the Experts for your Auto Repair needs. We do it over the phone. We're like the friend you have that's a mechanic. A good one, but he doesn't really guarantee anything, but you really like his free advice. Call us and see if we can help you in some way. How do I fix my Ford Escape Brakes with low pedal? Town and Country Van Headlights won't work? How do I start a car that sat 22 years? 62 Chevy Car is crazy after Battery change how do I fix it? 16 Buick Enclave Battery Keep-Alive power 99 Taurus
We've all heard how important it is to have an emergency fund for our personal finances. There may be a time when your car needs repairs, or you lose your job, or maybe you have an unexpected expense pop up. When you have an emergency fund set up, you are able to dip into it when you have these emergencies in your personal life, but what about in your business? Is it necessary for your business to have an emergency fund? If you do need an emergency fund in your business, how much money do you need to set aside and where should these funds be saved? These are all legitimate questions and today I am going to dive into some of the best practices for emergency funds in a small business. If you already had an emergency fund set up and funded, but unfortunately this last year left you with close to an empty fund, I am going to talk about ways you can start replenishing that emergency fund again. It doesn't matter if you are just thinking about starting a new business, or are already a solopreneur, entrepreneur, small business owner, virtual online bookkeeper, or virtual assistant, making sure you have the necessary emergency funds set aside could be what saves you from closing your business if you find yourself running into some difficult times. Listen in as we talk about what an emergency fund should look like for your small business and how it could bring you peace of mind when done correctly… Join us in a community built specifically for accountants and high-stress professionals. You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle: https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business? I have a program to help you get your business set up so that you can start making money. Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching? Schedule an Introductory Coaching Session today. You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for. Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide: 5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community: https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration! You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business? You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes: https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.
Episode Summary In this episode, Richard Lesperance sits down with financial expert and author Kim Butler to explore what it truly means to build financial competency—starting at home. Kim shares insights from nearly six decades of experience and her upcoming book Prosperity Parents, offering practical strategies for teaching children about money, creating value, and developing a prosperity mindset. The conversation dives into why traditional financial literacy falls short, how parents can lead by example (even if they feel unprepared), and why giving kids allowance may actually do more harm than good. Kim also unpacks the importance of self-knowledge in business and investing, how to handle sudden wealth responsibly, and why mindset is the foundation of long-term financial success. This episode is packed with actionable advice for individuals and families looking to reduce financial stress, build wealth intentionally, and create a legacy of smart money habits. Links & Resources Welcome To A Better Lifestyle For resources and additional information of this episode go toEmpower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler
With fuel prices expected to be impacted for at least six months, the flow on effect on household expenses is likely to last through to the new year. The Prime Minister says the conflict in the Middle East brings "huge amounts of anxiety and worry and concern," for New Zealanders. Meanwhile, ANZ spending data out on Tuesday showed an unusually large drop in grocery spending for the month of April of 1.4 percent. Not surprisingly, our spending at the petrol pump has gone up 22 per cent since February. Economist Cameron Bagrie spoke to Melissa Chan-Green.
Expert car repair advice! Call our show live 866-594-4150 and get help on the live show. Looking to save money on car repairs? Tune in to our latest episode of Under The Hood for practical automotive advice that can help you avoid costly repairs. 1. Why will my Fusion crank but not start? 2. How do I fix a steering rack knock on my Cadillac XTS? 3. How do I know if my Ford Truck clutch is bad? 4. What vehicle will a 409 Chevy engine fit? 5. How do I replace broken vacuum lines on an Astro van? 6. Equinox engine oil burning fix or not? 7. Should I use an air gap intake manifold on the street on my 383 Chrysler?
Mentor Sessions Ep. 067: The Big Lie Masking America's 50-Year Economic Collapse, Boomers Hoarding All Assets With No Buyers Left, and Why AI Demands Expertise| Michael Green & Jeffrey TuckerWhat if the problem isn't the policy — it's the system itself?Michael Green and Jeffrey A. Tucker sit down for a rare, wide-ranging conversation that cuts to the root of what's wrong with modern economics, monetary policy, and the assumptions most people never think to challenge. From the structural shifts that began in the mid-20th century to the invisible architecture of today's financial system, this discussion pulls back the curtain on ideas that mainstream economists refuse to touch.In this conversation, you'll learn why participation in the current financial system doesn't equal understanding of it, what economic data from 1950 reveals about where we are today, how the incentives baked into modern money shape behavior at every level of society, why Bitcoin represents a genuine alternative rather than just another asset, and what both Green and Tucker believe must change before any real economic reform is possible. If you've ever felt like the official explanations don't add up — this conversation will give you the framework to understand why.⏱️ Timestamps:00:00 - The Dual Income Trap: How Two Incomes Masked America's Decline00:01:02 - Introducing Michael Green & Jeffrey Tucker00:01:36 - Jeffrey Tucker: The Real Story Behind Household Income Stats00:06:33 - 1950 (20%) vs 1990s (65%): Rise of Dual Income Households00:10:05 - Michael Green on Expenses, Childcare & True Economic Health00:13:46 - $30,000/Year Childcare: The Hidden Cost Destroying Families00:17:41 - Golden Handcuffs: Corporate Jobs & Benefits Trap00:20:05 - Retirement System That Forces Boomer Asset Hoarding00:23:57 - Demographic Crisis: No Buyers Left for Boomer Assets00:27:28 - Housing Market Breakdown & Reverse Mortgages00:32:45 - Why Individualism Over Community Broke the System00:39:56 - Antitrust Failure, Consolidation & Real Capitalism00:42:33 - Corporate Consolidation Crushing Competition (Food, Healthcare, Tech)00:49:57 - Voluntary vs Coercive Exchanges: Capitalism's Hidden Flaw00:55:19 - COVID Mandates & Why Libertarianism Keeps Failing01:00:11 - How Intellectual Property Created Tech Monopolies01:02:48 - Michael Green on the Philadelphia Society01:05:13 - History of Women Entering the Labor Force01:17:02 - Future Outlook: Community Return & Economic Self-Correction01:22:25 - AI, Job Market Shifts & Deflationary Bust Warning
Save Family Farming's Dillon Honcoop says the state of Washington has created an environment for agriculture that is ALWAYS challenging!
Today, Evan brings an article that shows when people have time to plan, they make very different decisions when unexpected expenses arise. Listen along as Paul and Evan talk about how having a family changes your financial needs and priorities, and share some of the basic financial literacy tools that can help a family rise to meet their financial needs. Later in the episode, Paul shares a clip from CNBC that shows that the investing industry is celebrated for giving investors whatever they want, even when they are obviously harmful products. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.
The news of Texas covered today includes:Our Lone Star story of the day: When is it ever a time not to spend more money and create more specialty positions in public schools? One would think that declining enrollments, including from illegal immigration which increase the need for hard to find and expensive bilingual specialists, would be a time for public school districts to catch their fiscal breaths. But no, it's just another crisis that needs more money despite the fact declining enrollments vastly lower expenses.Plus other border and immigration news: CBS report marvels that once-chaotic southern border crossing has gone quiet under Trump crackdown Trump Immigration Agenda Upends West Texas US Attorney's Office Mexican Navy Cracks Down on Gulf Cartel's Fuel Smuggling Operation near Texas Border State Department Warns About Cartel Violence in Mexican Border City Following Commander's Arrest | Reynosa Wakes to Narco Blockades After Capture of Regional Metros Officer Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Dallas Fed reports: Texas service sector resumes growth in April.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com
A full SDH AM kicks off at 9:05 Eastern Looking back at #ATLUTD plus Upgraded Points Kyle Beierlein on the cost to visit a favorite FIFA World Cup cityFooty Prime's James Sharman and Craig Forrest on ATLUTD and Toronto FC Hour 2 has fuboTV's Nino Torres and Sounder at Heart/SportsPulso's Niko Moreno around the world in 60 minutes Plus, all the news and Official GHSA results
Get your speaking business finances in order with practical advice from Carl Seidman, CPA and CSP. In this episode of Speakernomics, learn the essential steps every professional speaker should take for smarter money management.* The difference between gross and net income, and why both matter for speakers* Simple methods to track your fees, expenses, and profitability* Tips for managing irregular income and planning for feast or famine cycles* Tools and AI software to streamline bookkeeping and expense tracking* Common financial mistakes speakers make—and how to avoid themBecome an NSA Member! https://nsaspeaker.org/join/#membership Join us at Influence! https://influence.nsaspeaker.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Are you making smart financial decisions, or just calling your impulses “needs” to feel better about them?In this episode, Kevin and Alan break down a practical framework for spending with more honesty, discipline, and self-awareness. They unpack why people blur the line between wants and needs, how goals change what actually matters, and why identity, dopamine, and self-deception can quietly sabotage financial progress.This conversation will help you think more clearly about money, spend with more intention, and make choices that support real peace of mind over temporary relief. Listen before your next “must-have” turns into another lesson._______________________Book Alan's Business Breakthrough Session. Your first 30-minute coaching call is FREE. Learn how to prioritize success and let your quality of life become the byproduct. - https://calendly.com/alanlazaros/30-minute-breakthrough-sessionLearn more about:Track the Work. Earn the Results. To know more about the "Next Level Fitness Accountability Group," reach out.Kevin: https://www.instagram.com/neverquitkid/Alan: https://www.instagram.com/alazaros88/_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.
Minnesotans could pay upward of $20 billion every year in a few decades if the state doesn't adapt to climate change, according to a new study from the Minnesota Pollution Control Agency.The Legislature-mandated report, which was released Monday, March 16, says the costs of not adapting to the warming climate are higher than if the state began to make necessary changes.Minnesota has seen heavier rainfall, smokier air and warmer summers in recent years as a result of climate change, according to the report.“Investing in adaptation reduces costly risks to the state and its residents,” the report said.If the state invests more in climate projects, it could cost $2.5 billion to $4.1 billion annually, considerably less than what the long-term negative effects are expected to cost Minnesota. Expenses for failure to adapt could balloon up to $57 billion by 2070.After a bill to lower license tab fees failed in the Minnesota House transportation committee, the cost is unlikely to go down anytime soon.In 2023, the legislature increased the tax rate for license tab fees, while at the same time dramatically slowing the rate of depreciation, so you pay a higher rate on an artificially high valuation on your vehicle.There's a bill in the house to lower the license tab tax rate from 1.575% of your vehicle's value to 1.285%, while also speeding up the depreciation of your car.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Minnesotans could pay upward of $20 billion every year in a few decades if the state doesn't adapt to climate change, according to a new study from the Minnesota Pollution Control Agency.The Legislature-mandated report, which was released Monday, March 16, says the costs of not adapting to the warming climate are higher than if the state began to make necessary changes.Minnesota has seen heavier rainfall, smokier air and warmer summers in recent years as a result of climate change, according to the report.“Investing in adaptation reduces costly risks to the state and its residents,” the report said.If the state invests more in climate projects, it could cost $2.5 billion to $4.1 billion annually, considerably less than what the long-term negative effects are expected to cost Minnesota. Expenses for failure to adapt could balloon up to $57 billion by 2070.After a bill to lower license tab fees failed in the Minnesota House transportation committee, the cost is unlikely to go down anytime soon.In 2023, the legislature increased the tax rate for license tab fees, while at the same time dramatically slowing the rate of depreciation, so you pay a higher rate on an artificially high valuation on your vehicle.There's a bill in the house to lower the license tab tax rate from 1.575% of your vehicle's value to 1.285%, while also speeding up the depreciation of your car.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Minnesotans could pay upward of $20 billion every year in a few decades if the state doesn't adapt to climate change, according to a new study from the Minnesota Pollution Control Agency.The Legislature-mandated report, which was released Monday, March 16, says the costs of not adapting to the warming climate are higher than if the state began to make necessary changes.Minnesota has seen heavier rainfall, smokier air and warmer summers in recent years as a result of climate change, according to the report.“Investing in adaptation reduces costly risks to the state and its residents,” the report said.If the state invests more in climate projects, it could cost $2.5 billion to $4.1 billion annually, considerably less than what the long-term negative effects are expected to cost Minnesota. Expenses for failure to adapt could balloon up to $57 billion by 2070.After a bill to lower license tab fees failed in the Minnesota House transportation committee, the cost is unlikely to go down anytime soon.In 2023, the legislature increased the tax rate for license tab fees, while at the same time dramatically slowing the rate of depreciation, so you pay a higher rate on an artificially high valuation on your vehicle.There's a bill in the house to lower the license tab tax rate from 1.575% of your vehicle's value to 1.285%, while also speeding up the depreciation of your car.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Ever look at your bank account and wonder where your money went—even though you didn't make any big purchases? You're not alone. High earners often feel like their money is disappearing, and the instinct is to budget harder or cut back. But the real problem usually isn't discipline—it's visibility. In this episode, Shari Rash, founder of GWA Wealth, breaks down the hidden expenses quietly draining your bank account. From subscription creep and convenience spending to lifestyle inflation, social comparison, and emotional micro-spending, these small, everyday costs can add up to thousands of dollars a year without you realizing it. You'll learn why these expenses are so easy to overlook, how they impact your long-term wealth, and a simple 20-minute spending audit you can do today to take back control—without turning your life into a restrictive budget. If you make good money but still feel like you're playing catch-up, this episode will help you finally connect the dots and start spending with intention. If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com **Request Tickets Via Text At (918) 851-0102 See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/
This could turn an average real estate deal into a home run, and it's nothing you can't do right now. Today, we're giving you seven tips to save thousands (if not tens of thousands) on your rental property expenses, so you keep more of your cash flow every month. Plus, we're announcing something new at BiggerPockets—something we specifically negotiated to save you hundreds, even thousands, of dollars on every rental you buy. We'll teach you how to close on your first (or next) rental property with less, get the seller to pay for your reserves or next repair, instantly save $250/year on landlord insurance, do top-tier renovations for budget prices, and save $10,000+ with just two phone calls. Want lower property taxes, too? We'll show you the completely legal (and surprisingly easy) way to get the city to charge you hundreds of dollars less per year. Get access to all the BiggerPockets Pro discounts by signing up today! In This Episode We Cover The rule of thumb that has saved Dave and Henry $10,000+ during renovations How to immediately get $1,000+ off your closing costs on your next investment property Why you always (especially now) ask sellers for a credit/assist at closing Do not let your general contractor buy the materials (rookie mistake) How Dave gets his property taxes lowered by hundreds of dollars with one phone call And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1246 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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