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Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half of the episode pivots to Parkinson's Law and its application to both time and money. Work expands to fill the time allowed, expenses rise to meet income, and luxuries become necessities. Without forced savings mechanisms like Infinite Banking and cash flow systems, lifestyle inflation will consume every raise and prevent wealth accumulation. The connection is direct: mastering money flow gives you control over time, and controlling your time means living the life you want now rather than deferring everything to a retirement that may never come.Chapters:00:35 - Opening 02:15 - Ukrainian train murder and Charlie Kirk assassination05:10 - The celebration of violence by the left09:45 - The leftist flowchart for responding to violence11:40 - The myth of "national conversation" exposed14:30 - First Amendment misunderstanding and employment consequences16:30 - Cancel culture hypocrisy: bodily autonomy vs. speech24:10 - DC transformation through force: crime to safety overnight25:20 - Parkinson's Law 26:30 - Becoming Your Own Banker30:30 - Forced savings through IBC vs. flexible premium policies32:20 - Why UL and IUL policies fail at 90%+ rates37:30 - Funneling raises into policy premiums to avoid lifestyle inflation38:00 - Tax refund strategy40:50 - Closing thoughts and call to actionKey Takeaways:- Political violence is almost exclusively a leftist phenomenon- Celebration of Charlie Kirk's murder came from mainstream sources, not fringe accounts- The "national conversation" narrative was always a lie - they want compliance, not dialogue- Losing your job for speech is not a First Amendment violation- First Amendment protects you from government censorship, not employer consequences- Same people demanding speech consequences for conservatives opposed vaccine mandate employment termination- Work expands to fill the time envelope allowed- Expenses rise to equal income without intervention- Luxuries once enjoyed become necessities (air conditioning, heated seats, smartphones)- Without forced mechanisms, lifestyle inflation consumes all income increasesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE
Life is full of financial surprises—car repairs, medical bills, home maintenance, or sudden expenses that can wreck your budget and drain your savings. What if you could cover these unexpected costs without relying on credit cards, personal loans, or tapping into your emergency fund? In this episode of Private Banking Strategies, wealth experts Vance Lowe and Seth … Continue reading Surviving Unexpected Expenses | Episode 135 →
Send us a textAre you spending money the wrong way? Every dollar is either pre-tax or after-tax money. Knowing the difference is the key to thousands in tax savings.In this episode, we cover how to turn everyday expenses into business deductions. From meals and travel to home office and even hiring your kids, you'll learn the mindset shift that could save you thousands each year.
These Expenses DO NOT Belong on Your P&L!
Gugs Mhlungu is joined by Resident Certified Financial Advisor, Paul Roelofse, about how claiming home office expenses can impact your capital gains tax when selling your primary residence. 702 Weekend Breakfast with Gugs Mhlungu is broadcast on 702, a Johannesburg based talk radio station, on Saturdays and Sundays Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.
Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Have you ever noticed how “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren’t surprises at all—we know cars break down, homes need repairs, and Christmas comes every year. On the next Faith & Finance Live, Rob West talks about how sinking funds can help you prepare with wisdom instead of panic. Then, it’s on to your calls. 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.
Image someone, 54 years old with no savings and $90,000 in debt. How can that person admit to their kid that they cannot afford to pay for college? That is the topic of this week's episode. Shawn & George talk about: Facing the reality of the situation Honesty with your kids Exploring all funding options Dealing with the situation Reworking income & expenses Making a future rebuilding plan Small wins and other stretegies Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
Naoise Ó Cearúil, Fianna Fáil TD for Kildare North; Matt Carthy, Sinn Féin TD for Cavan-Monaghan; Patricia Stephenson, Social Democrats Senator; Harry McGee, Political Correspondent with The Irish Times
When you board a plane, you trust the pilot to get you safely to your destination. Shouldn't you be just as careful about who advises you on your financial future? Financial guidance isn't just about numbers—it's about trust, worldview, and values. The right advisor can help you make decisions that align with your faith and priorities.Every advisor brings a worldview to the table. Too often, cultural definitions of success revolve around accumulation alone. But biblical stewardship points higher—toward faithfulness, contentment, and generosity. That's why this choice is not only financial—it's spiritual. You're entrusting someone with influence over how you manage God's money, and that requires discernment.Clarify What You NeedBefore beginning your search, determine what type of help you're looking for. Do you need comprehensive planning—covering retirement, insurance, taxes, estate planning, and generosity—or just investment management? Do you want a one-time plan or an ongoing relationship? The clearer your goals, the easier it will be to evaluate fit.One of the most important questions to ask is whether your advisor is a fiduciary, legally obligated to put your interests first. Compensation models vary:Commission-based advisors earn by selling products, which may create conflicts of interest.Fee-based advisors charge fees but may also receive commissions.Fee-only advisors are paid solely by clients, helping ensure objectivity.No matter the model, insist on full transparency about fees and expenses.Credentials and CharacterCredentials demonstrate an advisor's training and licensing, but character matters just as much. Evaluate potential advisors in three areas:Values – Do they share your biblical worldview?Competence – Do they have the training and experience to serve families like yours?Process – Can they explain how they build a financial plan and how they are compensated?A Practical Process for Finding the Right AdvisorBuild a shortlist – Ask trusted friends, family, or church leaders for recommendations. Explore advisors who share biblical values, like Certified Kingdom Advisors® at FindaCKA.com.Do a background check – Verify licenses, review disclosure documents, and check for disciplinary history.Interview at least three advisors – Treat this like a job interview. You're hiring for a critical role.Request a written scope and fee schedule – Get clarity in writing.Pray and take your time – Don't let anyone pressure you into quick decisions.When meeting with potential advisors, ask:“How are you compensated? Please outline every fee and expense.”“What role does faith play in your financial advice, and how do you define success?”“What's your process for creating a financial plan or investment strategy?”Proverbs 11:14 reminds us: “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.”Red Flags and Green LightsBe alert for warning signs such as:Promises of unrealistic performanceVague answers about feesPressure to move assets quicklyLook instead for encouraging signs:Transparent communicationA listening-first approachAdvice that integrates faith and family prioritiesThe right advisor depends on your season of life. Young families may need guidance on budgeting, insurance, and college savings, while retirees often seek tax-efficient withdrawals, income strategies, and estate planning. Ask potential advisors about their typical clients to see if their expertise aligns with your needs.Keeping Faith at the CenterA trusted advisor can help you avoid mistakes, manage taxes, stay disciplined during market swings, and design a generosity plan that reflects your calling. Most importantly, the right advisor will keep your focus on faithfulness, not just finances—helping you honor God with every decision.If you're ready to seek biblically wise financial advice, consider working with a Certified Kingdom Advisor®. CKAs meet rigorous standards of character, competence, and biblical training. You can start your search today at FindaCKA.com.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage. I have some credit card debt, a second mortgage, and I'd like to make home modifications for my husband, who is in a wheelchair. How exactly does a reverse mortgage work, and will it affect my credit?I'm a single mom with a limited income. What steps can I take to improve my credit score?We received a disaster loan from the Small Business Administration at 1.5% interest. My wife thinks we should invest the money instead of paying off the loan. What's your advice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistAnnualCreditReport.comChristian Credit CounselorsMovement MortgageWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Money Talks is hosted by Dr Nancy Lottridge Anderson, President of New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we share some tips for cutting household expenses and answer listener questions about investing. 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.
Dairy remains Idaho's top farm commodity … for now!!
When the subject of tariffs comes up in agricultural circles, you hear the good and the bad, but on the heels of or in the midst of harvest season, U.S. Representative Dan Newhouse says when you ask is key
THIS IS A REPLAY - MILLION DOLLAR CEO CLOSES ON SEPTEMBER 26TH, 2025Book a sales call for Million Dollar CEO HERE
Thom Dillon, owner of JT Medicare Solutions, joins John Williams in-studio to talk about how they help people with Medicare. Thom tells us what’s new with Medicare expenses, why insurance premiums are going up, and what you should do right now if you are on Medicare. Thom also answers all your Medicare questions. For all those […]
Thom Dillon, owner of JT Medicare Solutions, joins John Williams in-studio to talk about how they help people with Medicare. Thom tells us what’s new with Medicare expenses, why insurance premiums are going up, and what you should do right now if you are on Medicare. Thom also answers all your Medicare questions. For all those […]
Thom Dillon, owner of JT Medicare Solutions, joins John Williams in-studio to talk about how they help people with Medicare. Thom tells us what’s new with Medicare expenses, why insurance premiums are going up, and what you should do right now if you are on Medicare. Thom also answers all your Medicare questions. For all those […]
In this episode of Zero to CEO, I chat with Points Strategy Consultant Julia Menez about how to turn your everyday spending into luxury travel. Julia shares how business owners and high-income earners can optimize credit card rewards to save up to 90% on business class flights and 5-star hotels. We break down the biggest mistakes people make, how to choose the right credit cards, and the true value of travel hacking. If you're ready to stop leaving money on the table and start flying in style, this episode is your passport to smarter rewards.IG: geobreezetravel DM: podcast2025
You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom 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.
Have you ever been so down that you start giving away your services? How bad do things have to get for you to start considering the one thing you know you can't do? Did Nacho slip any baseball cards in his pocket? What is coming the last 3 episodes of this season? All these questions and more are discussed and answered on the Almost SideShow where we break down Better Call Saul episode by episode. This episode is Season 3 Episode 7 - "Expenses."Check back every Thursday morning for the latest episode of the Almost SideShow!Find the past seasons of the Almost SideShow here: http://almostsideways.com/Main%20Menu/Artice%20Archives%20Sub-Menus/AlmostSideways/Almost%20SideShow.htmlThe SideShow is meant to be a companion to listen to after you watch each episode, so join us on the journey! Watch the episode, then listen to our reaction and analysis. New episodes drop every week!The Almost SideShow is hosted by Terry Plucknett and Adam Daly and is a part of the AlmostSideways family.Find AlmostSideways everywhere!Websitealmostsideways.comFacebookhttps://www.facebook.com/AlmostSidewayscom-130953353614569/AlmostSideways Twitter: @almostsidewaysTerry's Twitter: @almostsideterryZach's Twitter: @pro_zach36Todd: Too Cool for TwitterAdam's Twitter: @adamsidewaysApple Podcastshttps://podcasts.apple.com/us/podcast/almostsideways-podcast/id1270959022Spotifyhttps://open.spotify.com/show/7oVcx7Y9U2Bj2dhTECzZ4m YouTubehttps://www.youtube.com/channel/UCfEoLqGyjn9M5Mr8umWiktA/featured?view_as=subscriber
In this episode, host April Walker, CPA, CGMA, Senior Manager — AICPA & CIMA, delves into the recently issued IRS Rev. Proc. 2025-28 with Mark Gallegos, CPA, MST, Partner — Porte Brown. Tune in to discover the implications of this IRS guidance and hear about the strategic decisions businesses can make to take advantage of presented opportunities. What you'll learn from this episode: Details of Rev. Proc. 2025-28 Changes made by H.R. 1, P.L. 119-21, the law known as the One Big Beautiful Bill Act (OBBBA) to Sec. 174 research & experimental (R&E) expenditures Options for small businesses to be able to retroactively take advantage of the changes Decision criteria for evaluating how to advise affected businesses How to navigate R&E expenditures going forward for 2025 returns AICPA resources Planning after tax changes Practical Insights from IRS Rev. Proc. 2025-28 Summary of IRS released R&E expense guidance under H.R. 1 and Rev. Proc. 2025-28 Keep your finger on the pulse of the dynamic and evolving tax landscape with insights from tax thought leaders in the AICPA Tax Section. The Tax Section Odyssey podcast includes a digest of tax developments, trending issues and practice management tips that you need to be aware of to elevate your professional development and your firm practices. This resource is part of the robust tax resource library available from the AICPA Tax Section. The Tax Section is your go-to home base for staying up to date on the latest tax developments and providing the edge you need for upskilling your professional development. If you're not already a member, consider joining this prestigious community of your tax peers. You'll get free CPE, access to rich technical content such as our Annual Tax Compliance Kit, a weekly member newsletter and a digital subscription to The Tax Adviser.
Hire Yourself Podcast with Pete GilfillanThe corporate tide has turned—and executives are no longer holding the cards.In this episode, Pete Gilfillan breaks down why the power in today's job market has shifted from employees back to employers. If you're a senior-level executive watching AI, downsizing, and the gig economy reshape the landscape, it's time to think seriously about your Plan B. Pete lays out five compelling reasons why entrepreneurship may be the most secure path forward.In this episode, Pete discusses:1. The Employer Now Has the Upper Hand From economic instability to corporate cost-cutting, companies are slashing executive roles and automating key functions.2. Why Executives Need a Plan B Corporate loyalty is fading fast. Pete explains why building your own safety net—before you need it—is essential.3. Greater Control Over Career and Income Entrepreneurship gives you the power to control your path, protect your income, and create long-term security.4. Leverage Your Business Acumen You've built the skills—now use them for yourself. Pete shows how your leadership experience translates into business success.5. Work-Life Flexibility and Autonomy As a business owner, you call the shots. That means creating freedom, not just income.Key Takeaways:The hiring power dynamic has changed—and executives are at risk.A Plan B gives you control, protection, and peace of mind.Franchising or entrepreneurship can help you diversify income and build equity.Your corporate background is your biggest advantage—use it.Waiting is a risk. Take the next step while you still have options.“You don't need to quit your job today—but you do need a Plan B.” — Pete GilfillanCONNECT WITH PETE GILFILLAN:
On today's Sharper Point Commentary, Jim Sharpe explores the expenses and options of childcare as a shortage of care continues to grow in the West Valley. He says the costs of running a childcare contribute to the shortage and the high prices of the facilities currently open.
This is Part 8 of Steve Coughran's book Cash Flow. Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.LinkedIn | YouTube coltivar.com
Enrique Gastelum, CEO at WAFLA, the Worker and Farmer Labor Association, says there are three big challenges that need addressed, and the first is the skyrocketing Adverse Effect Wage Rate.
We all hear about costs rising, but did you know there are 5 specific expenses that actually decrease or go away entirely in #retirement? In this episode of #MoneyGuidewithMarySterk, we shed some light on key #expenses you WON'T have to keep planning for.#inflation #costofliving #payroll #payrolltaxes #socialsecurity #medicare #assets #income #selfemployed #businessowner #commuting #starbucks #wardrobe #apparel #clothing #accessories #disability #lifeinsurance #incomegap #incomestream #investmentsFeat Mary SterkSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
Cutting your budget doesn't have to mean cutting joy out of your life. With a bit of creativity and intention, you can save money while still enjoying what truly matters. Here's how to bring more purpose—and even fun—into your spending plan.Before diving into practical steps, begin with prayer. Ask God to help you cultivate contentment, because wise spending starts with a heart that trusts Him. As Paul reminds us in 1 Timothy 6:6, “But godliness with contentment is great gain.” Budgeting isn't just about numbers; it's about aligning your heart with gratitude for what God has already provided.1. Try a “Pantry Challenge” MonthCommit to eating what you already have in your fridge, freezer, and pantry for an entire month. You'll reduce grocery spending and uncover forgotten items—maybe even a few surprises. Free apps like SuperCook or Cooklist can help you find creative recipes using your existing ingredients, turning the challenge into a fun family adventure.2. Create a Family Fun FundEntertainment doesn't have to be expensive. Set a monthly cap for fun activities and get the whole family involved in choosing them. One week could be a hike and picnic at the park; another, a cozy movie night at home with popcorn and dollar-store candy. This approach teaches that joy isn't tied to a price tag.3. Swap Babysitting with Another FamilyChildcare can be costly, but community is a gift. Partner with another family you trust to take turns watching each other's kids. One week, you get a date night, the next they do—and no one spends a dime. You'll save money, build relationships, and create margin in your budget.4. Take On One Service YourselfPick one recurring expense and try handling it yourself for a season—such as washing the car, mowing the lawn, or grooming the dog. You may save more than you expect and even gain a new skill or appreciation for the task.5. Declare a Monthly “No-Spend” WeekendChoose one weekend a month to spend nothing beyond the essentials. Use the time to rest, reconnect, and enjoy free or low-cost activities, such as playing board games, going for a hike, or visiting the library. Turn it into a family challenge by deciding together how to use the extra savings for giving, saving, or a future treat.6. Practice the 30-Day RuleWhen tempted by a big purchase—like a gadget or appliance—write it down with the date and wait 30 days. If you still want it and it fits the budget after a month, you can move forward with confidence. More often than not, the urge will pass, and you'll keep your money where it belongs.None of these ideas is earth-shattering—and that's the beauty of them. Real transformation often comes from small, consistent decisions: choosing contentment over consumption, planning over impulse. Each intentional step strengthens your financial stewardship and, even more importantly, your trust in God.When your kids see you making wise choices, they learn the importance of being a good steward. When your spouse feels included, it builds unity. And when you invite God into your day-to-day financial decisions—even the small ones—you'll see His faithfulness in significant ways.A Tool to Help You Stay on Track: The FaithFi AppIf you're ready to take the next step in intentional budgeting, the FaithFi app is a great place to start. It helps you track spending, build margin, and grow in biblical wisdom—all in one place. Visit FaithFi.com and click “App” to get started.With a little creativity and a lot of intentionality, you can cut costs without cutting out what matters most.On Today's Program, Rob Answers Listener Questions:I'd like to understand the difference between prepaid cards and credit cards—the pros and cons of each. My primary concern is avoiding debt, so I'm trying to determine which prepaid card would be the best option for me.I recently received $20,000 and need advice on the best way to invest it. My goal is to strengthen my emergency savings while still making wise financial decisions.I'm 12 and get a $100 monthly allowance. I want to learn how to save and invest my money wisely.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes For Orphan SoulsBankrate.com | NerdWalletStashWisdom 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.
After you listen:Check out Chris's article "5 Questions to Ask Before a Big Purchase."Learn more about liquidating in "3 Mistakes to Avoid When Making a Large Portfolio Withdrawal."In this episode, host Mark Riepe walks through how to prepare for major purchases, both expected and unexpected. Senior Research Analyst Chris Kawashima joins Mark to break down the key considerations when deciding whether to fund a big expense with cash, invesments, or financing and to discuss the potential trade-offs of each approach.Learn practical strategies for planning large expenses, avoiding financial surprises, and making informed decisions that fit your unique goals. Whether you're saving for a car, the down payment on a new home, or an unexpected expense, Mark and Chris provide actionable insights to help you navigate these choices with confidence.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal.Past performance is no guarantee of future results.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.0925-8CMP
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
This is Part 8 of Steve Coughran's book Cash Flow. In this section, Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.LinkedIn | YouTube coltivar.com/byfiq
Being able to control your so-called “local expenses” as an RIA, or 1099 when joining an RIA, comes with additional responsibilities, but also significant benefits to match:Only pay for the resources you actually use.The ability to run as lean or extravagant of a practice as you wish.Determine the composition of your team.Benefit from controlling your local real estate footprint.On this episode of the Transition To RIA question and answer series I expand on these benefits, and others, with respect to controlling your local expenses.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-the-benefit-of-controlling-your-local-expenses-as-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.
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
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
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-
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/
Today's Old Newscast looks at the full effect the expenses scandal had on the British public. Adam is joined again by Chris Hope and Jo Coburn to assess its legacy, and why the story had such a lasting impact on British public life.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.
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