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Matt Ohrt is the Executive Director of the Free Market Medical Association. He tells Bob various stories from his experience in helping companies save millions by opting out of the conventional government/insurance health care system.Mentioned in the Episode and Other Links of Interest:The YouTube version of this interview.The Free Market Medical Association (FMMA) homepage.Matt Ohrt's book, Save Your Company! Don't Feed the Beast.The link for this episode's sponsor, Monetary Metals.Help support the Bob Murphy Show.
Are you focused on cutting expenses or increasing income?In this episode of The Jared Briggs Show, Jared explains why saving alone will never make you wealthy and how to shift your mindset to growth, opportunity, and abundance. Learn how to raise your income, multiply your results, and stop playing small with your finances.In this episode you'll learn:Why saving doesn't build long-term wealthHow to think like a wealth creatorThe difference between cutting back and growing forwardHow to find opportunities to increase your income todayListen now and start creating your financial freedom.Follow and rate the show for more episodes every Wednesday.
Nick Maggiulli is the COO and data scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is the author of two books, Just Keep Buying and The Wealth Ladder, and Of Dollars and Data, a blog focused on the intersection of data and personal finance. His work has been featured in The Wall Street Journal, CNBC, and the Los Angeles Times. Get his brilliant new NYT bestselling book The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life here: https://amzn.to/4qpBJE5 Also, check out his first absolutely phenomenal book, Just Keep Buying: Proven ways to save money and build your wealth here: https://amzn.to/4nIONSx Anthony Scaramucci is the founder and managing partner of SkyBridge, a global alternative investment firm, and founder and chairman of SALT, a global thought leadership forum and venture studio. He is the host of the podcast Open Book with Anthony Scaramucci. A graduate of Tufts University and Harvard Law School, he lives in Manhasset, Long Island. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Most entrepreneurs chase revenue, then wonder why there's no profit left at the end of the year. In this episode, Profit First author Mike Michalowicz joins hosts John St. Pierre and Rich Hoffmann to break the cycle. Mike explains why flipping your formula to “Revenue minus Profit equals Expenses” changes everything.You'll learn how to:Expose hidden inefficiencies and pricing mistakesBalance profit and culture without sacrificing eitherBuild a team using his “teach first” hiring methodIdentify and fix the weakest link in your businessMike also shares fresh insights from his books Profit First, Fix This Next, and All In, helping you create a business that serves you, not the other way around.
Paul Jamison and Mr. Producer explore the concept of lifestyle creep, offering practical advice on controlling expenses to ensure they don't outpace your growing income.
How are you handling the rising cost of health care for your parents? How can you talk to your mother & father about the rising costs of health care and senior living? Should your parents age at home or in an assisted living facility? This week, Shawn & George talk to Rachel Aguanno, owner of Home Care Assistance Tampa Bay. Rachel's company assists seniors to live at home. Rachel was a HUGE help to Shawn when his wife was in hospice at home at the end of 2023. Specifically, we talk about: Care-giving as a side job; What a home care assistance company can or cannot do; Any tax breaks, insurance, government programs, or veteran benefits available to help pay for home health care; Hospice v. Home Health Care v Assisted Living; Expenses people don't think about; and other budget considerations. Rachel can be reached at RAguanno@HomeCareAssistance.com or her website www.HomeCareAssistanceTampaBay.com. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026
In this episode, Ryan Spalding, Consulting Partner at Era Group, joins the podcast to share how hospitals and health systems can uncover savings in non-labor expenses through forensic cost reviews, smarter vendor negotiations, and a strategic approach to cost optimization that supports reinvestment in patient care. Learn more here. https://usc.eragroup.com/beckers-healthcare/
Mark Hamrick, Senior Economic Analyst for Bankrate.com, joins Lisa Dent to discuss Bankrate’s recent survey that shows 52 percent of Americans expect to rely on Social Security Benefits for expenses when they retire.
Paul Shannon sits down with lender-turned-operator Ryan Duff to unpack how lenders really size risk and how LPs can use the same lens. Ryan financed ~$4B+ across cycles before launching Seaport, and he explains why trailing 3–6 month economic occupancy (physical vacancy + concessions + loss-to-lease) tells you more than any glossy OM. Join us to dive into debt yield, DSCR reality vs. pitch decks, the broker-driven “falsified inputs” fiasco and subsequent lender cleanup, and why he prioritizes local, vertically integrated operators with disciplined leverage and cash buffers. Key Takeaways: Underwrite like a lender: focus on economic occupancy (vacancy, concessions, loss-to-lease), not just IRR/EM multiples Expenses are mostly knowable; deals are won/lost on the top-line and honest reporting of rent integrity Debt terms follow the inputs: DSCR, debt yield, and recent trailing performance drive survivability Protect yourself: vet the GP first (local, cycled deals, vertical ops, conservative leverage, transparency) Industry shift: tighter lender verification post-froth (less room for “massaged” rent rolls), more equity skin-in-the-game Bridge debt isn't evil, operator fit + execution speed must match the capital structure Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.
Global Investors: Foreign Investing In US Real Estate with Charles Carillo
Why do older multifamily properties cost more to operate and do they still make investors money? In this episode of Strategy Saturday, Charles Carillo breaks down the truth behind older vs. newer multifamily investments, comparing operating expenses, CapEx budgeting, rent collection trends, and insurance costs across property vintages. Key Insights: Aging buildings often hide deferred maintenance that kills cash flow Insurance premiums increase as properties age Utility inefficiency drives tenant turnover and rent loss With the right CapEx plan, older properties can outperform newer ones
What should you do when clients don't reimburse you for out-of-pocket expenses? Today, we're talking about the importance of managing out-of-pocket expenses for clients to protect your financial stability and business operations. I'll share my own personal experiences of being left unreimbursed, highlight the distinction between service fees and expenses, and I offer some legal insights on setting clear boundaries and payment terms in client contracts. Key issues include creating enforceable agreements, understanding opportunity costs, and avoiding financial risks by establishing up-front payment practices and clear consequences for nonpayment. 00:00 Free Resource for Managing Clients 01:51 Personal Story: Learning the Hard Way 03:04 Understanding the Real Cost of Fronting Expenses 04:04 Setting Boundaries and Clear Expectations 06:29 Legal Insights and Practical Tips 10:10 Final Thoughts and A Plan for You Resources Which client-pleasing pattern is holding you back? Take the Quiz! Free Interactive Guide: “12 Simple Tweaks to a Clearer Client Contract” >>> Hi! I'm Sheila, your guide to a Joyful and Thriving™ creative life! I have lots of titles: attorney, social worker, coach, consultant, keynote speaker, educator. And while I'm proud of those titles, I am a human first and a title second – just like you. I want to help you reset expectations, set boundaries, and make aligned decisions, so you can streamline and focus your energy on the people, projects, and pay that actually matter to you. Instagram: @sheilamwilkinson | LinkedIn Rate this podcast/episode on Apple Podcasts, or leave feedback here, and be sure to leave me a voice note with a question for me to answer in a future episode!
Clean Biz Network Podcast | How To Start a 7-Figure Commercial Cleaning Company
Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Get your Cleaning Business Automated! Visit https://cleanbizuniversity.com/automa...Join this channel to get access to perks: / @ajsimmonsonline Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsLet my lead generation company to set bid appointments for you! Click here https://www.cleanbizcrm.com/leadgener...Follow: @AjSimmonsOnline on Instagram / ajsimmonsonline Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Need Business Credit? Apply at this linkhttps://americanexpress.com/en-us/ref...Thank you for watching, subscribing, liking, sharing, and commenting!!!!
**In this Episode of the Becoming a Badass Pharmacy Owner Podcast; Dr. Lisa Faast with Dr. Jamie Wilkey talk about Monetizing PGx** **Show Notes:** 1. **Introduction and Overview of the Webinar** [0:00] 2. **Discussion on Location and Real Estate** [3:23] 3. **Evaluating Pharmacies with Contracts Only** [6:59] 4. **Role of Brokers in Pharmacy Transactions** [10:28] 5. **Legal and Financial Considerations** [16:54] 6. **Impact of Expenses on Pharmacy Value** [25:24] 7. **Making a Pharmacy Attractive to Buyers** [34:12] 8. **The Role of Care RX in Pharmacy Valuation** [42:14] 9. **Joining Care RX and Its Benefits** [50:00] 10. **Conclusion and Additional Resources** [1:01:15] **Links mentioned in this episode:** [How To SignUp] (https://wo4qver7.pages.infusionsoft.net/)Websites Mentioned: https://www.drlisafaast.com/----- #### **Becoming a Badass Pharmacy Owner Podcast is a Proud to be Apart of the Pharmacy Podcast Network**
Hey my wonderful sweet babies, Follow Me:Instagram- fabvictoria94Twitter- VictoriaB_94Snapchat- fabvictoria94TikTok: FabVictoria94Facebook: Victoria BishopFacebook Page- Fabulous Victoria BroadcastsPatreon: Fabulous Victoria PodcastPodcast Name- Fabulous Victoria PodcastYouTube Main Channel: Fabulous VictoriaCashApp: $fabvictoria (optional)Music from Simply Kee Simone, Dessie Style, and Kaysie Amya on YouTube.Email me for business inquiries only:bishopvictoria94@gmail.comTHIS VIDEO IS NOT SPONSORED.
It's becoming harder for workers to get higher pay as the cost of living goes up. Bankrate's Sarah Foster tells us what workers are doing to try and catch up.
The Chinese government announced it would curb critical mineral exports to countries like the U.S., sparking an immediate response from the White House, and Farmers are facing a difficult farm economy, as crop prices continue to decline and production expenses remain high.
The Chinese government announced it would curb critical mineral exports to countries like the U.S., sparking an immediate response from the White House, and Farmers are facing a difficult farm economy, as crop prices continue to decline and production expenses remain high.
Cutting expenses sounds smart - but it's not always the path to growth. In fact, it can hold you back. In this episode of the Peace & Profits Podcast, I'm busting the myth that trimming costs is the key to scaling. You'll hear: Why cutting ads or team members may cost you more in the long run How to align expenses with your bigger goals Why time and money must work together for growth The power of delegation in creating peace and profit Listen in and let's rethink the “expense-cutting” advice together.
David and Nick talk to Steve Osborn, a former high school and travel coach. We discuss coaching stories as well as whether travel ball is a good investment to get college paid for. Thanks to MLVC for the great Theme Song! You can find them at https://www.instagram.com/mlvc_91/ If you have questions for either Nick or David please contact us at: bucksandbrewsllc@gmail.com
Depending on how soon the government shutdown ends, American Farm Bureau Federation President Zippy Duvall says it has the potential to impact next year's crops for farmers across the country.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Snag Our Simplified Budget System!Most people say their budgets get blown by “surprise” expenses — but let's be real: Christmas isn't a surprise. New tires? Not a surprise. Your dog's annual vet visit? Definitely not a surprise. These are expected expenses that just don't happen every month.In this episode, we're tackling how to stop the rollercoaster of “I was fine last month, now I'm swiping the credit card.” The solution? Savings buckets. When you create separate savings accounts for predictable but irregular expenses, you save today to avoid borrowing tomorrow.Why most “surprise” expenses aren't really surprisesHow savings buckets can bring stability to your monthly budgetThe exact steps to set up your own bucketsReal-life stories from clients who've transformed their finances using this method
"Other" Expenses are Not a Law Firm Owner P&L Category
You look at your metrics… and your stomach drops. Sales are down. Engagement's flat. Expenses crept up. Maybe even your email list took a hit. Suddenly, you're questioning everything you've been doing. If this sounds familiar, you're not alone. So many solopreneurs dread checking their metrics because it feels like they're staring straight at failure. But what if those “bad” metrics were actually pointing you toward your next growth opportunity? In this episode, I'm walking you through exactly what to do when your numbers don't look the way you hoped and how to turn that frustration into clarity and direction.
The traditional retirement model was never built for your freedom, it was built for your dependence.In this episode, Jessica Giles (CPA and creator of the SF-15™ Masterplan) exposes why waiting for “someday” is the most expensive financial mistake you can make, and reveals the new path to independence, one you can create in 15 years or less.You'll discover:The hidden design of the traditional wealth system — and who it really serves.Why deferring freedom until 65 is no longer realistic (or necessary).How to create financial independence within 15 years using the SF-15™ Financial Masterplan.The five levers that build wealth faster: Income, Assets, Equity, Liabilities, and Expenses.Because freedom isn't something you wait for.It's something you design, fund, and live into, right now.Explore the SF-15™ Program → www.sf-15.comConnect with Jessica on Instagram → https://www.instagram.com/selffundedin15years/
This episode breaks down the hidden costs of closing a commercial real estate deal, showing investors exactly what to budget beyond the down payment to avoid surprises and protect their capital. TIme Stamps: 0:00 – Introduction 0:11 – Podcast energy & banter 0:21 – Sponsor pitch / OSU joke 1:06 – Criterion updates & distributions 1:51 – Closing sale & project recap 3:16 – IRR, returns, risk in development 4:01 – Newsletter & investor communications 5:15 – Gateway acquisition update 7:29 – Cost items: loan charges, appraisal 9:53 – Title & escrow charges 13:04 – Title endorsements, easements 15:19 – Survey, property condition, closing summary 16:33 – Second deal cost comparison 18:21 – Using “points” and closing cost buckets 20:54 – Operating capital, over‑raising 22:06 – Final advice & wrap Join our investor list today: https://www.thecriterionfund.com/join-our-investor-list CommercialRealEstate #CREInvesting #ClosingCosts #EquityRaise #RealEstateDevelopment #TitleInsurance #OperatingCapital #CREFinance #InvestorReturns #DealStructuring
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
It's the Ranch It Up Radio Show Herd It Here Weekly Report! A 3-minute look at cattle markets, reports, news info, or anything that has to do with those of us who live at the end of dirt roads. Join Jeff 'Tigger' Erhardt, the Boss Lady Rebecca Wanner aka 'BEC' by subscribing on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. Cattle Anthrax In North Dakota & USDA Farm Expenses More Anthrax In North Dakota Last weekend, the state of North Dakota confirmed its second case of anthrax this year in a beef cattle herd in Stark County, according to the state veterinarian's office. North Dakota State Veterinarian Dr. Ethan Andress urged producers in counties with past cases to consult veterinarians about vaccination and to be alert for unusual livestock deaths. He emphasized that effective vaccines are available but require more than a week to build immunity, with boosters needed annually for continued protection. North Dakota Agriculture Commissioner Doug Goehring noted that while anthrax occurs most often in northeastern, southeastern, and south-central North Dakota, it has been detected across nearly every part of the state. A few cases are typically reported each year, though some outbreaks have been much larger, such as in 2005 when more than 500 livestock deaths were confirmed. REFERENCES: https://www.ksjbam.com/2025/09/29/another-case-of-anthrax-confirmed-in-north-dakota/ https://www.rrfn.com/2025/09/29/more-anthrax-in-nd/ USDA Addresses Farm Expenses Earlier in the week, in Kansas City at the Agriculture Outlook Forum, U.S. Secretary of Agriculture Brooke L. Rollins spoke on the current state of the farm economy in the United States and addressed the ways President Trump is supporting American agriculture. U.S. farm production inputs are significantly more costly than four years ago, putting pressure on farmers' bottom line. Between 2020 and now, seed expenses have increased 18%, fuel and oil expenses increased 32%, fertilizer expenses increased 37%, and interest expenses increased by a whopping 73%. Additionally, labor costs increased 47% since 2020. REFERENCES: https://www.nationalbeefwire.com/ag-secretary-rollins-announces-suite-of-actions-to-support-american-farmers Upcoming Bull & Heifer Sales On RanchChannel.Com Lot's of bull and heifer sales coming up on the RanchChannel.Com sale calendar. Check out the full line up HERE. SPONSORS American Gelbvieh Association https://gelbvieh.org/ @AmericanGelbvieh Axiota Animal Health https://axiota.com/ @AxiotaAnimalHealth Jorgensen Land & Cattle https://jorgensenfarms.com/ @JorLandCat Ranch Channel https://ranchchannel.com/ @RanchChannel Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/ Rural America is center-stage on this outfit. AND how is that? Because of Tigger & BEC... Live This Western Lifestyle. Tigger & BEC represent the Working Ranch world by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/
As Pennsylvania enters its fourth month without a state budget, at least six counties are exploring lines of credit to cover essential services, according to Spotlight PA reporters Katie Meyer and Stephen Caruso.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.
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!
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.
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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
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.
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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
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-