Podcasts about finances

Join us on Average Joe Finances as our guest Tracey Lundell, a wealth advisor, shares her unconventional journey from aspiring diplomat to financial industry expert. Calling in from Canada, Tracy offers insights into her varied career, the importance of diversified income streams, and the necessity of taking that first step toward financial literacy. She emphasizes creating customized financial plans based on individual values and the significance of actionable steps in achieving long-term financial goals. Tracy also provides tips on navigating the complexities of investing and the importance of building a supportive team of advisors, mentors, and resources.In this episode:Pick up how financial flexibility can empower you to adapt and thrive through life's unexpected turns.See why diversifying both your investments and income streams is key to long-term freedom.Realize that financial planning isn't rigid—it's a living strategy built around your values and goals.Take note that the hardest step in wealth-building is simply starting—progress begins with action.And so much more!Key Moments:Find Tracey LundellWebsite: www.seaglasswealth.comFacebook: https://www.facebook.com/seaglasswealth/LinkedIn: https://www.linkedin.com/in/traceylundell/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSend us a textSupport the show

As the iconic movie line reminds us, “Life is like a box of chocolates; you never know what you're gonna get.” And sometimes, what you get isn't what you hoped for, but that doesn't mean the story ends there. In today's episode, “The Result Wasn't What I Wanted: But, I'm Not Discouraged,” host Jacquette dives into the power of embracing disappointment, not as defeat, but as a stepping stone. She invites listeners to honor their feelings, recognizing disappointment as a natural, fleeting emotion that can offer valuable insight. With a simple shift in perspective, we can turn setbacks into fuel, keep discouragement at bay, and tap into the wisdom that every moment, sweet or bittersweet, has to offer.www.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode explores the struggle of giving during seasons of financial scarcity and the spiritual truth that generosity is about trust, not money. Through Scripture and testimony, it explains how obedience and faith in God's provision—especially when resources are limited—invite unexpected provision and deepen your relationship with God.

Au programme dans l'actu des nouvelles technologies et de l'accessibilité dans cet épisode : Du côté des applications et du web Jaws, Zoomtext et Fusion 2026 sont disponibles. NVDA 2025.3.1 est disponible au téléchargement : correction d'une faille de sécurité. HumanWare travaille sur des fonctions IA sur les lunettes Ray-Ban Meta. Nombreuses annonces IA chez Microsoft / Windows Hey Copilot, Vision, Actions : le guide pratique des nouvelles fonctions IA qui arrivent sur Windows 11. Fabrice - Voici Mico, le nouveau visage de l'IA sur Windows. Préparez-vous à beaucoup lui parler. Philippe - Copilot Vision sur Windows s'ouvre au texte. 10 000 agents publics vont expérimenter un assistant IA « souverain ». Accessibilité numérique : la DGFIP (Ministère de l'Économie des Finances et de la Souveraineté) … mise en garde par l'Arcom. Le site impots.gouv.fr ne respecte pas l'obligation d'accessibilité numérique qui s'applique aux services publics. Le reste de l'actu Plus fort que le GPS, Orange et Totem veulent la géolocalisation au centimètre près sur toute l'Europe. Samsung va venir concurrencer les Ray-Ban Meta en sortant ses propres lunettes connectées. lignes directrices sur l'accessibilité des services audiovisuels par l'Arcom. Deux associations s'allient pour l'accessibilité numérique pour les DV. Un appel au peuple depuis l'Espagne sur un travail de recherche à propos des dictionnaires numériques. Adresse email de [Maria : mailto:mariagarciagarmendia@gmail.com. Témoignage Cette semaine Michel revient sur notre questionnement à propos de l'accessibilité de l'application Tchap, application de messagerie gouvernementale destinée aux agents de l'état. Foire Aux Questions Cette semaine, une question de Éric à propos de l'audiodescription des services SVOD. Remerciements Cette semaine, nous remercions Éric, Leonardo et Michel pour leurs infos ou leur dons. Si vous souhaitez vous aussi nous envoyer de l'info ou nous soutenir : Pour nous contactez ou nous envoyez des infos, passez par le formulaire de contact sur la page oxytude.org/contact. Pour nous soutenir via Paypal, c'est sur la page paypal.me/oxytude. Pour vos achats sur Amazon, passez par notre lien affilié oxytude.org/amazon.. Pour animer cet épisode Alain, Fabrice et Philippe.

How rich are you? How do you define richness in the context you are in? On episode #453 of “Let's Talk Money with Dave and Reb”, Rebecca challenges Dave and guest host Ray Borg to consider their richness, both financially and spiritually. The co-hosts spend time challenging their visions of what rich means, how a scarcity mindset influences these visions, and discuss tools to grow towards contentment rather than pursuing richness. Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. #morethanenough #finances #money #financialfitness #rich #temptation #contentment

Le ministre des Finances, François-Philippe Champagne, a annoncé hier matin qu’il comptait mettre fin au phénomène « Chauffeurs Inc. », une faille avec laquelle plusieurs compagnies de camionnage pouvaient sous-traiter leurs services à des chauffeurs qui n’avaient pas forcément l’expérience nécessaire. Entrevue avec Benoît Therrien, président de Truck Stop Québec. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Halloween : faites bien attention durant votre cueillette de bonbons ! | Chauffeurs inc : le président de Truck Stop Québec affirme qu’on a besoin d’une formation universelle au Canada | Le ministre du Travail n’a pas l’intention de reculer devant les syndicats | Les étudiants en médecine poursuivent le gouvernement | Une employée qui a perdu son emploi chez Paccar s’inquiète pour l’avenir de son conjoint Dans cet épisode intégral du 31 octobre, en entrevue : Benoît Therrien, président de Truck Stop Québec. Jean Boulet, ministre du Travail. Félicia Harvey, vice-présidente de la Fédération médicale étudiante du Québec. Maude Lauzon Boucher, ex-employée de Paccar. Linda Boivin, médium et conférencière. Une production QUB Octobre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Deuxième partie de la série qui nous permet de réfléchir sur notre qualité de vie et de la place qu'on laisse à notre travail sur les marchés financiers. Plusieurs sujets et outils pertinents seront explorés. Pourquoi automatiser nos tâches? La qualité vs la quantité. Quel(s) marché(s) prioriser? Doit-on devenir un expert dans un produit ou développer une approche généraliste? Pourquoi et comment raffiner son plan? Bref, que du plaisir à apprendre et partager la passion du trading.---------------------------------------------------------DIVULGATION DE RISQUE La négociation d'actions, Forex ou tout autre produit financier comporte un niveau de risque élevé et peut ne pas convenir à tous les investisseurs. Les performances passées ne représentent pas les résultats futurs. Le degré élevé d'effet de levier peut être profitable et aussi vous nuire. Avant de décider d'investir, vous devez examiner attentivement vos objectifs d'investissement, votre niveau d'expérience et votre appétit pour le risque.  La possibilité existe que vous puissiez subir une perte de tout ou d'une partie importante de votre investissement initial et donc vous ne devriez pas investir de l'argent que vous ne pouvez pas vous permettre de perdre. Vous devez être conscient de tous les risques associés aux opérations boursières et demander un avis à un conseiller financier indépendant si vous avez des doutes.   Le contenu de ce podcast est à titre informatif et éducatif seulement et n'est pas et ne doit pas être interprété comme un conseil professionnel, financier, d'investissement, fiscal ou juridique. D*TRADING ne peut être retenu responsable de pertes financières dues aux décisions personnelles du client.  #bourse #investissement #trading #finance #argent #investir #libertefinanciere #investisseur #trader #actions #business #stockmarket #motivation #bitcoin #independancefinanciere #stocks #forex #titre #epargne #formation #formationboursiere #marchesfinanciers #daytrading #swingtrading #tradingview #investissementlongterme #apprendre #Patrick Gaulin #François Joly-Dubois #Michel VillaHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

In this episode of Kelley's Bull Market News, Kelley Slaught discusses essential strategies for retirement planning, focusing on business succession, financial legacy, and income generation. She emphasizes the importance of having a clear exit strategy for business owners, getting one's financial house in order, and planning for long-term care. The conversation also covers the significance of creating a personalized income plan, addressing debt management, and the risks associated with holding cash. Listener questions provide further insights into practical retirement strategies. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty breaks down the five pillars of retirement that every retiree should have in their plan. They are the income, tax. Investment, healthcare, and estate plan pillars. He also reviews some tax changes that are coming in 2026 and discusses the transition from accumulation to decumulation in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Join Randy Adams on Learn to Buy and Sell Cars — God’s Way, where faith meets the car business. With over 60 years of experience, Randy shares the good, the bad, and the ugly truths about buying, selling, and financing vehicles — all through a biblical lens. Learn how to protect your money, your budget, and your peace of mind while navigating a world that’s often out to take advantage of you. Honest talk, real stories, and faith-driven wisdom for life on and off the road.See omnystudio.com/listener for privacy information.

Les mises à l'écart des opposants, menaces potentielles pour les hommes ou les partis au pouvoir, sont devenues monnaie courante sur le continent… Qu'elles soient le fait du prince ou qu'elles engagent le vernis de la légalité, ces mises à l'écart interrogent sur la bonne santé de la démocratie en Afrique. Dernier exemple en date, le Bénin : « Renaud Agbodjo, comme un feu de paille ! », s'exclame le site béninois Afrique sur 7. « À peine apparu, l'opposant s'efface sans traces de la scène politique. Ce retrait illustre la désillusion que révèle la confrontation avec la rigidité d'un système politique bien ficelé ». En effet, tout est allé très vite : il y a 15 jours, Renaud Agbodjo, avocat de 43 ans, est désigné par son parti comme candidat à l'élection présidentielle d'avril prochain ; mercredi dernier, la Commission électorale invalide sa candidature, faute d'un nombre de parrainages suffisant ; son parti, Les Démocrates, saisit alors la Cour constitutionnelle ; lundi, celle-ci se déclare incompétente et valide la liste provisoire des candidats ; et hier mercredi, l'opposant annonce qu'il jette l'éponge, qu'il arrête la course à la présidence. Divisions « Bis repetita pour Les Démocrates, constate Jeune Afrique. Comme en 2021, la principale formation d'opposition au Bénin ne sera pas sur la ligne de départ pour la présidentielle d'avril 2026. Cette décision douche définitivement les espoirs présidentiels des Démocrates, parti dirigé depuis 2023 par l'ancien chef de l'État, Thomas Boni Yayi. Elle a également rencontré fin au feuilleton politico-judiciaire entamé le 14 octobre, avec la désignation de Renaud Agbodjo ». Un feuilleton qui met en lumière les divisions au sein des Démocrates. En effet, précise Jeune Afrique, « le fait que le choix se soit porté sur Renaud Agbodjo, l'avocat personnel de l'ex-président, à l'issue d'une primaire, au détriment d'Éric Houndété qui faisait figure de favori, avait très vite été contesté par Michel Sodjinou, député de la ville de Porto-Novo. Ce dernier avait alors refusé de parrainer le candidat officiel ». Et comme pour être qualifié, il fallait 28 parrainages d'élus et que Les Démocrates en comptent exactement 28, cette défection leur a été fatale… Un «  plan de déstabilisation et de débauchage  » ? L'ancien président Thomas Boni Yayi, à la tête des Démocrates, a donc bien tenté de convaincre le président Talon de faire participer son parti aux élections générales de l'année prochaine, incluant les législatives, les communales et la présidentielle. Peine perdue… C'est ce que souligne La Nouvelle Tribune à Cotonou. « Boni Yayi a déclaré percevoir (chez son interlocuteur) une tendance à la concentration du pouvoir, pointe le journal. Il a évoqué l'existence d'un "plan de déstabilisation et de débauchage" visant certains responsables du parti Les Démocrates, par le biais de pressions et, à l'en croire, de promesses d'avantages matériels ». Conséquence, pointe Le Monde Afrique, en l'absence du principal parti d'opposition, « une voie royale s'ouvre donc pour la majorité au pouvoir, représentée par le ministre des Finances, Romuald Wadagni. Patrice Talon, président depuis 2016, arrivant au terme de son deuxième mandat, le maximum autorisé par la Constitution ». Un jeu de verrouillage électoral « Pour un pays, le Bénin qui, depuis la Conférence nationale de 1990, s'enorgueillit d'un pluralisme politique exemplaire, la situation s'interroge profondément, soupire Afrik.com. Comment parler de démocratie lorsque le jeu électoral semble verrouillé au point d'exclure des forces politiques d'envergure ? (…) Le Bénin d'aujourd'hui donne le sentiment d'un pluralisme sous tutelle, déplore encore le site panafricain. Les voix dissidentes, souvent muselées, peinent à trouver un espace d'expression libre. Les manifestations sont encadrées, les dirigeants politiques critiques font face aux poursuites judiciaires, et les médias indépendants doivent composer avec un environnement de plus en plus hostile. Tout cela contribue à instaurer un climat de peur et de résignation, incompatible avec la vitalité démocratique qui avait jadis fait la fierté du pays ». Certes, pointe encore Afrik.com, « les défenseurs du pouvoir en place invoquent souvent l'argument de la légalité : "les règles sont les mêmes pour tous". Mais la démocratie ne se réduit pas à une stricte conformité juridique, affirme le site. Elle repose avant tout sur l'esprit du jeu démocratique, sur la compétition équitable, sur la possibilité pour chaque sensibilité politique de se faire entendre et de se mesurer aux urnes ».

The next time you see something you want to buy, don't buy it. Give it 72 hours! That's according to Certified Financial Planner™ Eoin McGee. A three-day pause could completely change how you think about spending and save you a lot of money in the long run. Eoin, known for his straight-talking financial advice, is bringing his live show “How To Tackle Your Finances” to Limerick and Dublin this January. To find out more, Alan Morrissey spoke to Eoin McGee on Thursday's Morning Focus. Image (c) Eoin McGee via X

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Most financial mistakes happen because people don't see the full picture. My Net Worth Worksheet helps you track everything in one place—so you stay informed. Get it now. ------ Money talks fall apart when couples keep score. In this episode, Heather and Doug Boneparth show how fairness—not 50/50—actually works in real life, and how power shows up through invisible labor, access, and decision rights. You'll hear practical ways to reset the dynamic so conversations feel collaborative instead of adversarial. Listen now and learn: ► A fairness framework to replace 50/50 splits and tit-for-tat bean counting ► How to surface invisible labor and shift from "tell me what to do" to true task ownership ► The anatomy of a money date (time/place, start with wins, then goals → cash flow → net worth) ► Reconciling different risk appetites by agreeing on shared capacity, timelines, and one step outside each comfort zone Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (00:00) Introduction (02:45) Fairness vs. Equality in Couples' Finances (11:24) Resentment Red Flags in Relationships (13:47) Invisible Labor to Task Ownership (18:26) Financial Transparency for Couples (21:49) Money Dates That Don't Derail (26:48) Different Risk Tolerances in a Relationship (31:00) Co-Authoring Money Together (33:32) Lightning Round for Couples Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

Louisiana Senate President Cameron Henry discusses three of the hottest topics in Louisiana

Is everyone around you planning dream retirements while you're wondering if you'll be working forever? If you're lying awake at night worried about finances, feeling like you're the only one who didn't figure out this money thing, you're not alone, and this episode is your wake-up call + your action plan rolled into one. I invited my friend, an accomplished investor and financial savvy expert, Bret Johnson to share the exact strategies he used to transform his financial future later in life. From being behind the eight-ball to traveling abundantly and living without money stress, Bret breaks down the no-BS approach to building wealth when you think it's too late. We dive into the uncomfortable truths about why you're behind (spoiler: you were living life while others were investing), the simple 5-15% rule that changes everything, and why index funds might be your secret weapon for catching up fast. He discusses practical strategies for paying off debt, investing wisely, and building wealth, even if you feel you've started late. From addressing common concerns about feeling financially stuck to providing actionable steps you can take today, Bret's advice is invaluable. Plus, he shares his "stocks are on sale" mindset that transformed market crashes from disasters into opportunities. Whether you're starting from zero or trying to accelerate what you've already begun, this conversation delivers the practical steps, mindset shifts, and resources you need to stop worrying and start building the retirement you deserve.   Catch the full episode on YOUTUBE HERE: https://bit.ly/MidlifeConversationsYouTube    Learn More About Bret Johnson:    Instagram ➜ https://www.instagram.com/bretjohnson11 Website ➜ https://www.patreon.com/cw/TheChaleneShow   Thank you to our show sponsors! TIMELINE:  Timeline is offering 20% off your order of Mitopure! Go to timeline.com/NATALIEJILL  Free Gifts for being a listener of Midlife Conversations! Mastering the Midlife Midsection Guide: https://theflatbellyguide.com/ Age Optimizing and Supplement Guide: https://ageoptimizer.com   Connect with me on social media! Instagram: www.Instagram.com/Nataliejllfit Facebook: www.Facebook.com/Nataliejillfit   For advertising inquiries: https://www.category3.ca/  Disclaimer: Information provided in the Midlife Conversations podcast is for informational purposes only. This information is NOT intended as a substitute for the advice provided by your physician or other healthcare professional. Do not use the information provided in this podcast for diagnosing or treating a health problem or disease, or prescribing medication or other treatment. Always speak with your physician or other healthcare professional before making any changes to your current regimen.  Information provided in this podcast and the use of any products or services related to this podcast does not create a client-patient relationship between you and the host of Midlife Conversations or you and any doctor or provider interviewed and featured on this show. Information and statements may have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent ANY disease. Advertising Disclosure: Some episodes of Midlife Conversations may be sponsored by products or services discussed during the show. The host may receive compensation for such advertisements or if you purchase products through affiliate links. Opinions expressed about products or services are those of the host and/or guests and do not necessarily reflect the views of any sponsor. Sponsorship does not imply endorsement of any product or service by healthcare professionals featured on this podcast.

Due to the government shutdown, millions of Americans are likely to miss their Supplemental Assistance Nutrition Program (SNAP) paychecks starting this Saturday. On Today's Show:Grace Yarrow, food and agriculture policy reporter for POLITICO and author of POLITICO Pro's daily Morning Agriculture newsletter, reports on which states will be most impacted and how recipients are preparing. Plus, Karen Yi, WNYC and Gothamist reporter covering homelessness and poverty, explores how local and state resources are responding to the expected needs of NYC's communities.  

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she breaks down the common financial mistakes that cost women physicians thousands of dollars each year. She shares how to shift from scarcity to abundance, rethink what being a “millionaire” truly means, and make smarter money decisions that actually align with your life and goals.Key Takeaways:You need more than one million to retire comfortably.Avoid letting fear and scarcity drive your money choices.Financial peace starts with clear goals and planning.Timestamps: 00:40 Why women physicians lose money02:18 The illusion of being “just fine” financially04:05 Why $1M isn't enough for doctors06:10 Overcoming the scarcity mindset08:22 Building wealth that fits your values10:30 Common money traps in medicine12:12 How fear limits financial growth14:28 Reframing wealth and success16:45 Becoming a multi-millionaire on purpose18:52 First steps to fixing your money habitsRelated Episodes:The Secret To Making Your Money Work For You!Why Women Physicians Avoid Money ConversationsYou're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

Do you ever open your bank account and feel that pit in your stomach — even though you know God provides? You pray, quote Scripture, and say you trust Him… but when income slows down or another unexpected bill shows up, peace still feels out of reach. In this episode, I'm sharing how to stop financial anxiety by uncovering three hidden mindset traps that keep you in fear — and how to renew your mind with biblical truth so you can finally trust God with your finances. You'll discover: ✨ Why self-reliance quietly fuels anxiety (and how to release control) ✨ The difference between performance-based faith and faithful dependence ✨ How to shift your sense of security from your savings to your Savior ✨ A simple faith-based practice to build peace and confidence with money I'll also share a powerful story of one of my clients who went from constant worry about her numbers to actually looking forward to her weekly “Money Date” with God. If you're ready to move from pressure to peace — this episode will help you see your finances through the lens of faith, not fear.  

You've heard me talk about The Money Table, The Money Edit, and The Money Rhythm, but today, I'm closing this series with the final piece of my four-part framework: The Money Legacy.The Money Legacy is where true sustainability begins. It's not about budgeting or cutting back, it's about building trust with your money and creating long-term possibilities that reflect your values. This is the phase where my clients go from managing debt and expenses to setting bigger goals, investing in their future, and building a financial legacy that changes what's possible for them and their families.In this episode of Money Files, I share how The Money Legacy helps you move beyond financial survival mode and into a space of grounded confidence. You'll hear how clients like Lynae and Clara used this process to redefine their goals, from paying off debt to building savings, changing careers, and even buying their first home.When you build your Money Legacy, you stop operating from urgency and start living from intention. You make decisions based on what matters most and begin to see yourself as someone who manages money well.Listen in to learn:[01:25] What The Money Legacy is and why it's the key to sustainability[03:40] How to build financial trust and confidence that lasts[05:00] Client story: How Lynae moved from debt payoff to freedom and choice[08:25] Why expanding your goals starts with managing what you already have[10:40] How to plan for your next financial chapter with clarity and confidence[12:10] Why your relationship with money shapes your opportunities[12:45] The truth about shame, perfection, and trusting yourself with moneyTune into this episode of Money Files to learn how to build a Money Legacy that expands your possibilities, strengthens your trust with money, and creates a financial foundation that grows with you.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-legacy-building-trust-and-expanding-possibilities-with-your-finances/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

If you're curious as to whether you have any stored emotions or trauma that might be causing your illness, preventing you from achieving your goals, or even just showing up as the best, authentic version of yourself, I invite you to take my free Stored Emotions and Trauma QuizWhat if fixing the world starts with how we lead ourselves today?In this episode, I call out the heaviness that's crept into everyday life and how division keeps us small. Personal responsibility becomes the antidote, not the burden. The six areas of self-leadership hold the blueprint for real change. “As within, so without” isn't just a saying; it's the standard. When we protect our energy, choose decency, and do the inner work, the world outside starts to shift. This is where leadership begins, one person, one choice, one act of integrity at a time.You'll Learn:Self-Responsibility and Heart-Led LeadershipThe real reason division feels so heavy right now and how it feeds disconnectionWhat happens when personal leadership becomes the foundation for healing the worldThe six areas that reveal how aligned you are with your values and your lifeWhat it feels like to live from “as within, so without” and watch your outer world shiftThe practical ways to bring respect, grace, and awareness back into everyday lifeHow bridging the spiritual and the practical creates real, sustainable changeTimestamps:[00:00] Introduction[06:14] The rising heaviness and how division erodes connection[10:27] Choosing personal responsibility as the path to healing[14:45] The six key areas of self-leadership to master[18:52] Why spirituality anchors the other areas of life[22:06] How to rate your alignment across the different areas of your life[25:41] The power of “as within, so without” in daily life[28:15] Bridging the practical with the energetic side of leadership[30:42] Integrating personal stories and shifting the podcast's directionFind More From Dr. Stephanie Davis:Dr. Stephanie Davis | WebsiteQuantum Rx | InstagramQuantum Rx | Skool

Why does the end of the year always feel like a race against the clock—and what does that mean for your finances? Mike Douglas dives into the essential year-end financial checklist, from maximizing retirement contributions and health savings accounts to the power of quarterly goals and charitable giving. Discover practical strategies to declutter your financial life, make smarter decisions, and end the year with gratitude and purpose. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Today we have Josh. He is 48 years old, from Sarasota, FL and took his last drink of alcohol on September 23rd, 2023.   This episode brought to you by:   Better Help – 10% off of your first month #sponsored Café RE – the social app for sober people.   This is the last week to sign up for Café RE during Sober October. For the next four days when you join, you will receive a free month!     [02:28] Thoughts from Paul:   Paul was having a talk with his good friend Dusty the other day and he mentioned that when he quit drinking, nothing got worse. Which leads us to the conclusion that everything got better?   This whole thing is complicated but also it isn't. We are sold a bundle of lies from big alcohol. It just takes time to get the message to all parts of us that when you quit drinking nothing will get worse. When you quit drinking, everything will get better. Finances improve, and we start to feel better about ourselves, just to name a few things.   The word alcohol in Arabic and other languages references alcohol as a spirit or living entity. Several languages in the East, alcohol is literally translated into “mind and body eating spirit”. Nothing will get worse when you quit drinking, and to flip it, everything will get better when you're not consuming a body and mind eating spirit.     [08:45] Paul introduces Josh:   Josh is 48 and lives in Sarasota, FL. He is married with three children, he works in sales and marketing for a wellness company which he enjoys and for fun he enjoys cooking and spending time with his family.   Josh never had any alcohol until he was 20 years old. It wasn't an issue for him for a very long time until it began creeping up on him shortly before COVID. Josh says it was around this time that he was having issues with his job and found himself drinking around the clock in order to cope with it.     During COVID it only got worse. Josh says there was a lot of internal conflict around his drinking, and he says he was drinking more than he was sober and the alcohol was always corrupting him. It was hard for him to stop on his own as he had become physically dependent on it.   Josh's wife gave him an ultimatum after his first attempt at sobriety didn't work and told him to go to inpatient treatment or they were done. Josh went, didn't take it seriously and only stayed four of the ten days because he was able to convince a doctor to let him leave early. Everything in Josh's life was hanging by a thread when he left for a work trip in Italy that ended up being his rock bottom moment.   Josh drank on the flight over and did not stop after he arrived. He missed the work event and was admitted to the hospital that evening. When he awoke, he had lost his job and proceeded to drown his sorrows with whiskey and trazodone. Josh's wife had found out about him going to the hospital and came to Italy without Josh knowing. She and their friend (who was a nurse) found Josh on the floor of his hotel room without a pulse and saved his life. Josh feels that was divine intervention.   Upon returning home, Josh attended a 30-day inpatient treatment where his life changed. He met other men that were going through treatment at the same time that helped him learn new skills that would help shape his life going forward. Josh always had a hard time asking for help so learning to surrender in all ways has been important to his healing.   Josh began to learn what a gift being present can be after spending so much of his life running from things. Josh is actively working on healing his relationship with his family and friends and is also beginning to explore his spiritual side.   Josh's parting piece of guidance: surrender and you have to be willing to do the hard work.     Recovery Elevator You took the elevator down, you gotta take the stairs back up. We can do this   RE on Instagram Recovery Elevator YouTube Sobriety Tracker iTunes     

Special Patreon Release: Teaching our Children about Finances with Markie Castle   1 Timothy 6:6-10 (NIV) "But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."   *Transcription Below*   Markie Castle is a wife of 41 years, mother of 3 and is blessed with 7 grandchildren. After teaching at ICC for 20 years, she retired to help take care of all those blessings! Her husband Bob and she have been living in Peoria and attending Bethany Baptist Church for 24 years.  She has been coaching on finances and families for over 30 years.   Questions and Topics We Discuss: What is one key to managing our personal relationship with finances? What have been the most unexpected benefits of coaching your sons on wise financial stewardship? How did you teach your children to allocate percentages their money?   Thank You to Our Sponsors: WinShape Marriage   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:10 - 1:20) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   I'm thrilled to introduce you to our sponsor, WinShape Marriage. Their weekend marriage retreats will strengthen your marriage while you enjoy the gorgeous setting, delicious food, and quality time with your spouse. To find out more, visit them online at winshapemarriage.org/savvy.   I first met Markie Castle through a local mom's group that was gathering at a church, and she was the speaker.   I was drawn to her sense of humor, her storytelling, and her wise practices. Her practical applications that she's going to explain near the end of this episode are practices that my husband Mark and I plan to implement beginning today. I'm so excited to share all of that with each of us listening now.   Here's our chat. Welcome to The Savvy Sauce, Markie.   Markie Castle: (1:21 - 1:22) It's a pleasure to be here.   Laura Dugger: (1:22 - 1:34) Well, will you just start us off by sharing more about your family and, specifically, the parenting piece that you say you got right by intentionally focusing on it?   Markie Castle: (1:35 - 4:13) I'd love to. I am incredibly blessed to be married to my husband, Bob, and we had three children that blessed us with wonderful wives and grandchildren. My husband and I started our marriage with him in school and me on a beginning teaching salary.   Today's dollars, it would be worth about $38,000. The two of us were living on $38,000 a year with him in school at the U of I and paying significant tuition. We were paying the tuition as well as supporting ourselves on that salary.   We were blessed to have a son three years later and then another son two years after that. My husband was holding a two-year-old and a two-week-old in his cap and gown. I remember showing our three sons' pictures of us saying, don't do this.   We supported ourselves entirely. We also did not see that we were in dire straits. We made my salary work by living in small apartments.   With one landlord, we made an agreement with him that we would do extra work around the property for a deduction in rent. We just made it work. We never saw any of this as a negative.   We also did not see that putting purchases on a credit card that we could not pay off at the end of the month as an option. We were happy where we were at and we loved it. My husband got a job and we moved out of the area.   We were at the time in Champaign-Urbana area. We moved to the Peoria area. We had a third son, which gave us three children in four years.   We still saw the need to keep our budget under control. Our meals were determined by what was on sale, what we had coupons for. Clothes were only bought on sale or from consignment shops.   Again, we never saw credit card debt as an option. If we didn't have the money, we didn't buy it. We wanted to raise our children to have a respect for money and to have an awareness of contentment.   We also wanted to have them experience the joy of having money to give away. This is what helped us. This is how we felt and we wanted to share that with our sons.   Laura Dugger: (4:14 - 4:37) I love that and I can just imagine all of the character building that comes out of really seeking to be wise stewards of what the Lord's entrusted to you. I'm wondering if you had some guiding scriptures on this topic of finances that really gave you insight into godly wisdom rather than the worldly kind.   Markie Castle: (4:38 - 9:05) As we know, besides love, money is written more in the Bible than anything else. It is so wise to go to the Bible for this. Luke 14:28 is such a good verse for a base.   It says, “Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?” This is stating that we should budget our money and plan before we build a tower or buy a car or even buy a new blouse that you may want.   Another verse, 1Timothy 6:6-10 speaks to another extremely important part of leading a God-centered life, being content. It states, “But godliness with contentment is great gain for we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is the root of all kinds of evil. Some people eager for money have wandered from the faith and pierced themselves with many griefs.”   It reminds us of where our minds should be. We have heard many talks on finances, budgeting, etc. Very little time, if any, is spent on being content.   Even in the Christian financial counseling speakers, they do not spend time on this. Not only is it scriptural, it is something that makes budgeting and spending so much easier. If you are content, you don't feel that need to spend and let alone overspend.   It just makes budgeting so much easier. Matthew 6:24 is very blunt to the point. It says, “No one can serve two masters. Either you will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”   It's not just what you have in your bank account. It's are we serving the Lord or are we serving money by needing a bigger house or whatever. Serving money over God can mean so many things. It can mean making secret purchases that you are hiding from your spouse.   I had a friend who used to have her sister buy her shoes that she wanted. And then she would bring them into the house without her husband knowing. But she had her sister buy it so her husband didn't see it on the credit card.   Or it can mean buying a brand-new car you can't afford and you go into debt for it. There is scripture that addresses this also in Romans 13:8 states, “Owe no one anything except to love each other.” And Proverbs 22:7 states, “The borrower is the slave of the lender.”   This is not to say a person should never have a loan. We needed a loan for our house. It was a smart move because we would have just paid rent forever.   But we needed a house and at the time we didn't have money for a house. Especially since my husband just got out of school. But when we were going looking at houses, the realtor said, “But you can afford this.”   And it was a much bigger house than we needed. And we said, “No, we don't need this.” “Yes, but you can get this.”   “Yes, I know, but this one's just fine.” We bought a house that we were able to pay off quickly. And we were very happy with it.   Laura Dugger: (9:07 - 9:30) I love hearing how you've applied scripture to your own lives, because really the ones that you shared, those are so practical and actionable. And we didn't even scratch the surface of all, like you said, that the Bible has to speak about money. But if you kind of had to boil it down, what would you say is one key to managing our personal relationship with finances?   Markie Castle: (9:30 - 13:58) I truly, truly believe that being content is truly key. It's so easy to become frustrated and discouraged with what you have. And many, many people watch HGTV.   And I personally love it. There are times that I cannot watch HGTV because I start wanting this or wanting that. When I watch it, it makes me start thinking if I only had a bigger kitchen or buying new furniture would transform this room.   All of these things can distract us into thinking about all the things I don't have, rather than seeing the things I do have. It can be a very dark road. But there's ways of overcoming that too.   I love for people to write down things that you do have, especially the important things like your family, your friends, your church community. Those are the things that are far more important than a bigger kitchen. I know for me, our house, when I moved into our house, I didn't even see our house when we purchased it because we thought we'd only be here three to four years max.   So, I figured three to four years, I don't need to see a house. I wanted it in a certain area and I needed four bedrooms for all of us. And that was about it.   Well, I knew I'd be here three to four years. And I think we're coming up to 25 years in August of being here. God had other plans for us.   And that was it. The kitchen is not what I would have chosen. It's rather small.   And do you know when I get most frustrated is when our family is over and we have 20 people and they're all in the kitchen. And I've got all these grandkids running around getting in the way. And I get frustrated over the smaller kitchen.   Think about it. I have my family here making memories. It's wonderful.   I'll take a small kitchen with all my family before I take a big kitchen without them. It was interesting. I taught at ICC.   And I walked into class one time and all the students were talking about how little they had, how poor they were. And I just listened to them for a while. And they were saying they didn't have any money.   And I said, “I don't mean to brag, but I am really, really wealthy.” And they looked and they said, “Really?” And I said, “Yeah, really wealthy.”   And he said, “Must be nice.” I said, “Yeah, it really is.” I said, “Do you realize that my husband and I, we have two cars?”   And they kind of looked at me and they said, “Yeah.” I said, “No, no, no, no. Do you understand that when I walk into my house, I have heat in the winter?   And, and air conditioning in the summer.” And they kind of looked at me and go, “Yeah.” And I said, “And I can go to this faucet and I can turn this handle and fresh water comes out.”   They all looked and said, “Yeah.” And I said, “That is how wealthy I am.” And they all kind of looked and they said, “We get it.”   And we are very wealthy in this country. We are very wealthy. See, having what you have could be seen as extremely wealthy in many countries.   Even when it's their norm. But with war-torn countries, it's even worse. It's just all about perspective.   Laura Dugger: (13:58 - 14:10) Well, I think you're highlighting the keys to contentment. It's all about perspective and also gratitude. How would you define stewardship?   Markie Castle: (14:11 - 14:19) I would just say it's taking great care of what God has given us and using it for his glory.   Laura Dugger: (14:19 - 14:27) Well, and what has been the most unexpected benefit of coaching your sons on wise financial stewardship?   Markie Castle: (14:28 - 17:52) That is such a great question. I would say the independence that they had as teenagers and adults. It was incredible to see how they were independent with money and other ways because of it.   Each son also married women who were financially aware. We never really talked about that. When our children got married, we had one stipulation that they married a believer for us to bless the marriage.   But it was amazing that they all married women who were financially conservative. We have never had any trouble or issues with any of our children with money. I know that some people will say, you never lend relatives money, you give it to them because you know you'll never get it back.   Well, we have lent our kids money for certain predicaments when they first started off and they started paying us back immediately. There's a lot of talk about whether you should let your children move back into your house. Now, I know people have said, “Nope, once my kids are gone, they're gone.”   And I don't think that's very loving. I think that anybody is allowed back, you know, if they need to come back and live with us, even if it's somebody in our church family, they would be welcomed. All three of our boys at some point came back to live with us for a while for different reasons.   And we actually charged them rent. And they were very good with that. In fact, they liked it because then they weren't freeloading.   Now, they didn't know it at the time, but we took their rent and put it away and kept it separately. And then when they moved out, they had a nice little sum there that they could use for a down payment for their house or for moving costs or whatever. I think it's important to watch your children grow, to give them.   And these are the things that we have seen that we didn't expect. All of our boys are very financially secure. And they only have mortgage debt, which they are all paying off quicker than what was scheduled.   And this is just a mindset. They are not suffering because they don't have the new car. In fact, our one son and his wife, they bought our old van 10 years ago, and they still have it.   They're at 195,000 miles on the car. Now, I think she wears this like a badge of honor. She's going to make it to 200,000.   They have been putting money away for a new car. They have enough money to buy a new car, but they're going to wait until they need it. And when they need it, they're going to be able to go in and say, here is the money for the car.   I don't need a loan. Those are the things that kind of surprised me.   Laura Dugger: (17:53 - 17:58) I think oftentimes there's a lot of joy when we have limits.   Markie Castle: (17:59 - 18:04) Exactly. I agree with you. It does give you joy to know that you have that freedom.   Laura Dugger: (18:06 - 18:22) Well, and we've spoken kind of about big picture, and I'd love to move in the funnel now down to actionable and practical. So, when you look back, how old were your children when you and Bob began training them on finances?   Markie Castle: (18:24 - 19:08) Truly, as soon as our children understood the meaning of money, we started. We started our oldest son when he was five years old by giving him allowance. The others started when they were four because they saw what was happening with the older child.   And I know a lot of people relate to this and they wanted to be a part of it. You know, your younger ones sometimes learn faster because of the older ones. It was important to start when they were wanting things at the stores, whether it was toys or candy at the checkout aisle, etc.   They needed an awareness that everything costs money and they couldn't have everything.   Laura Dugger: (19:09 - 19:32) Well, and I remember you coming to speak to our mom's group one time. And even if somebody is wondering, well, how do I keep this fair between children? You even had a solution for that because with your kids at the different ages, I remember you saying you started them with one dollar per year old they were per week.   So, the four-year-old only made four dollars for the five-year-old made five.   Markie Castle: (19:33 - 21:21) That's right. Well, and it's funny you say about the fairness. Even when our children, so we had three boys, they were all two years apart, so they were really involved with one another.   They were great friends. But I remember going to my husband's mom was watching our children when we ran to get something to do a few errands. And we came back with a pair of shoes that our oldest child needed.   And she looked at us and said she didn't get anything for the other boys. And I said, but they didn't need new shoes and they don't need anything. And she goes, but you can't bring something in for one child without bringing in something for the others.   And I reiterated, but they didn't need anything. And do you know what? Our boys, we never thought anything of that.   Our boys have never said, well, why didn't I get anything? And if they did, we'd say, “Well, you didn't need this or you didn't need that.” Our children never counted what the other ones have.   Now saying that when it came to the birthdays, we gave the same monetary value to all of them when it came to Christmas, when it came to things. But when it really came to that, one son needed a pair of shoes, but the others didn't. We didn't go out and get shoes for all of them.   And they just were raised with that. And to this day, they all know that it all comes out fairly in the end. You know, we don't bring home things just for one, the same child every time.   Does that make sense?   Laura Dugger: (21:21 - 21:32) Yeah, absolutely. And I appreciate that perspective. I'm also curious, were there any other memorable phrases you and your husband taught your children?   Markie Castle: (21:33 - 26:37) You know, there were many. One of the things we had said to them was we can afford anything. But we can't afford everything.   So, we would impress upon them how fortunate we were to afford things. But we certainly can't afford everything. We had friends who would never purchase soda and we did the same thing.   But they really like to travel and the kids like to travel. And so, they wouldn't buy a soda in a restaurant or buy a snack at the mall because they wanted to travel. And they would ask their kids, you know, would you rather purchase a soda or snack now or enjoy the soda or snack in Europe?   And it made the kids think. OK, so again, this is all in what you choose. I was listening to someone at a talk and actually at a moment at our church that said, “You know, what could you save if you didn't get your daily latte from Starbucks?”   And I'm thinking, OK, and his point was at six dollars per drink. You could say. And I figured this out, two thousand one hundred and eighty-four dollars per year.   After two years, you could have enough money to go to Hawaii. Now, that's great. This particular person loves to travel and he doesn't like coffee.   So, to him, it was a no brainer. But if someone doesn't like to travel. But enjoys that daily vacation of going to Starbucks.   This may be the one they would choose. So, we're all different in what we like and what we want. But.   The important thing is, is that you're not adding this to a debt that you're paying 24 percent interest because that six dollar cup of coffee is actually going to cost you much more than the six dollars. Also, I was teaching a group of nearly married couples about finances and. Someone brought up that they can't afford a date night.   I mean, after babysitting, after dinner at the restaurant, etc. they can't afford that. And babysitting nowadays is ridiculously expensive. And another couple said that they have date nights every other week.   What they do is they trade off with another couple for babysitting and they pack a dinner and go on a picnic. So, basically, their date night costs them nothing. Not being able to afford an expensive dinner for a date night.   That puts you in a mindset that you're doing without. Instead, look at what you have. You know, taking a hike.   Visiting a museum on a free day. Getting a membership to places that you could then feel like you're going for free. Walking along the river.   All of these are wonderful ways to have a date night. My husband and I would have a date night in our home. We would feed the boys their favorite chicken nuggets and macaroni and cheese.   And we put them to bed. We would then, I would get out and have tablecloth and have candlelight. And we would have a quiet adult meal by candlelight.   It was a wonderful date night. And it cost us nothing. Now, where we were, we could not afford babysitting.   And we did not have people who could babysit. We didn't have a community that we could share babysitting. We did find that as the kids got older.   And we utilized that, which was wonderful. We used to share a Friday night with a family. This is when the kids were a little older.   And we would switch with them. Every other Friday night, we would switch kids. We would take their kids for one of the Fridays.   And then two weeks later, they would take our kids. And they took them overnight. So, we had, you know, Friday evening and Saturday morning.   And it cost us nothing. And the joy of that was when we took their kids, it was a blast. Because we always planned on doing extra special things.   Because it was like one big party. It worked very well. And we were able to have free babysitting just because we exchanged.   As opposed to paying for a babysitter.   Laura Dugger: (26:38 - 29:02) And I love the creativity. How you problem solved that to still go for your date night. Because that was a value.   And I think you're empowering all of us that these options are possible. And we do have a choice in this situation. And then also the reality that we're going to operate within the reality of trade-offs.   And now a brief message from our sponsor.   Friends, I'm excited to share with you today's sponsor, WinShape Marriage. Do you feel like you need a weekend away with your spouse?   And a chance to grow in your relationship together at the same time? WinShape Marriage is a fantastic ministry that provides weekend marriage retreats to help couples grow closer together in every season and stage of life. From premarital to parenting to the empty nest phase, there is an opportunity for you.   WinShape Marriage is grounded on the belief that the strongest marriages are the ones that are nurtured even when it seems things are going smoothly. So, they're stronger if they do hit a bump along their marital journey. These weekend retreats are hosted within the beautiful refuge of WinShape Retreat perched in the mountains of Rome, Georgia, which is a short drive from Atlanta, Birmingham, and Chattanooga.   While you're there, you will be well fed, well nurtured, and well cared for. During your time away in this beautiful place, you and your spouse will learn from expert speakers and explore topics related to intimacy, overcoming challenges, improving communication, and more. I've stayed on site at WinShape before, and I can attest to their generosity, food, and content.   You will be so grateful you went. To find an experience that's right for you and your spouse, head to their website, winshapemarriage.org/savvy. That's W-I-N-S-H-A-P-E marriage dot org slash savvy, S-A-V-V-Y. Thanks for your sponsorship.   And as you and Bob continued to train your children with finances, how did you see this play out with each of their different personalities?   Markie Castle: (29:04 - 32:55) Although we raised our boys within the same manner, we were blessed with three totally different children. Totally. When it came to money, one was a saver, one was a spender, and one was a minimalist.   And although they all were different, they all needed the structure of financial awareness. So, our eldest wanted to save every dime that he was given. And you know what?   He's still that way. He wants to save, save, save, save, save. Our middle child would spend every dime that he would receive.   It would not be in his pocket for more than a couple of minutes. Then our youngest child didn't care about buying anything, which was very different from the saver. He was just a minimalist.   I don't need anything. It just doesn't matter. And he is still that way.   So, our spender needed to learn the importance of budgeting and saving. They all needed to learn it, but it was extremely important for him. And he did learn.   When he was about 10 or 11, he lost some money for not doing certain chores. And he looked at us and said, the only reason you had children was to make money. My husband and I were literally speechless.   We kind of just looked at him and we didn't know what to say. And then he just looked at us after a couple of moments and he said, that's the stupidest thing I've ever said. And yep, we all had a good laugh.   He did learn to budget and it was interesting. So, when he was in high school and starting to date, he took this girl that he wound up dating for several years. And he was going to go to the movies and he was a gentleman.   He was absolutely a gentleman. And they walked into the movies and he paid for the movies because that's what you do. And then as they were walking past the concession stand, he said, “Well, do you want popcorn?”   And she said, “Oh, that'd be nice.” And he said, “Okay, well, you're going to need to get it yourself. I'm not paying those prices.”   And she was kind of, ”Okay.” Now we needed to teach him a little bit more about dating with that. But it was like he paid for the movies.   He wasn't going to pay $10 for a box of popcorn. So, he had learned the value of money. When you can get into the movie for less money than a box of popcorn, there's something to be thought about that.   I am happy to say that while he did not marry her, but I'm happy to say that he did marry someone and he learned to budget. And she is all about budget, budget, budget. But that also means that they are able to enjoy, enjoy, enjoy.   I think budget gets a really bad name because you think that means that you can't buy things if you budget. And I see it as the exact opposite. If I budget $50 for entertainment, for the month, for the week, for whatever, you can enjoy having that entertainment because that's money that is free and clear for you to use.   Laura Dugger: (32:56 - 33:14) Yeah, I'm with you on that too, because I do think that self-control that really is a fruit of the spirit, but that discipline and self-control leads to freedom eventually. And so, again, those limits provide joy and freedom, which is counterintuitive, but the Lord's economy.   Markie Castle: (33:14 - 33:34) That's right. But once you do it, you realize, and we have seen this happen, that they go, “Oh, I feel better about going to the movies because it's already been planned, which goes back to when you build a tower, you should plan that.”   Laura Dugger: (33:35 - 33:43) You've mentioned that you did offer an allowance. So, what were your allowance or commission guidelines?   Markie Castle: (33:44 - 35:58) So, there's many trains of thought with this. We felt that there were certain chores that needed to be done as part of the household. So, making your bed, setting the table, helping with dinner, cleaning up the dishes, sweeping the floor.   Obviously, our children were expected to do more as they got older. I would give them opportunities, though, to do over and beyond, and then they could make extra money. So, there were certain expectations on a daily basis, and that was part of being part of the household, being part of the family.   But to go over and beyond would give us the time. Now, I do know some people pay for everything that they do, and I understand where they're coming from with that, but then they may choose not to make their bed or choose not to set the table because they don't want the money, but then other people need the table to be set. So, that can cause issues, too.   We never, when it came to grades, I know that's something that's talked about, we never paid for certain grades in school. We did allow them, you know, at the time it was, well, if you get this many A's, you can get a pizza or something, you know, from Pizza Hut or something. We would do that, but we never paid for specific grades for our kids.   There was an expectation that they would do well, not for the money. But we would all go out and celebrate when they all had good report cards. So, I know that there's different trains of thought with that.   You know, there are some others who will put a price on certain chores and have the allowance reflect that money they made. Our boys received their allowance, but there were times that we charged them when we needed to do their chore, like pick up their clothes in the bathroom after they've been asked to do so. So, if we did something, we kind of charged them for it.   And that's when our son said, well, you just had children to make money.   Laura Dugger: (35:59 - 37:14) Guess what? We are no longer an audio only podcast. We now have video included as well.   If you want to view the conversation each week, make sure you watch our videos. We're on YouTube and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com.   With our family, our daughters currently are nine, eight, six, and four. And so, they have the understanding of give, save, spend. But just this summer, our sweet and very generous neighbor, Jillian, James and Jillian, have hired our oldest two, Sayla and Shiloh, to water their plants while they're traveling. And so, this is their first paid job opportunity.   And so, my plan with my husband is to train our girls with this podcast. And there's a question I want to ask you next that I believe will even guide us with our conversation and how to train them. So, when your children were earning money or making this allowance, even from a young age, how did you teach them to split their money?   Markie Castle: (37:16 - 42:21) So, we set up our allowance that they were given one-dollar times their age, which you had alluded to early on. So, each week, a five-year-old would get five dollars a week, which sounds like a lot, right? Or a ten-year-old would get ten dollars.   And that sounds awesome, right? But it was broken down. So, we first would take ten percent which goes to charity.   We wanted to teach the children about tithing. And that was the first. The next, we had ten percent that was taken for taxes.   And we used that for family fun night, which made those nights special to them. Now, what they learned from having their taxes taken, when they went to get their first job, like when they were 16 or 17, and our oldest son got a job at the Zoli's when it was there. And he was not in shock when he was given his paycheck and taxes were taken out.   He understood that. All his other friends were complaining about them taking it. But our children knew there were taxes, and taxes went for the good of the community.   We also took ten percent for retirement. And that was just good habits to form. We kept it.   We kept account of how much it was. And when they got out of college, we gave them their retirement. Wow.   Now in their 30s, they have a financial guy and he is shocked at how set our children are for the future. Then 20 percent went to college. Once again, this was kind of a mindset.   Now, if you don't think your children are going to go to college, I would still recommend at least going to community college or a trade or whatever. We saved this and gave it to them to put towards their expenses when they went to college. So, we literally gave them their money and said, this is what you have saved over all these years.   Now you have 50 percent left. So, 25 percent went to savings. And they had to put this in a separate category, and they needed to buy something with it that was $25 or more.   We wanted them to learn how to save up for that special whatever they wanted. They could spend that on whatever. So, that would make for a five-year-old, fifty cents went to church, fifty cents for taxes, fifty cents for retirement, a dollar for college, a dollar twenty-five for savings.   And what they got at the end, they got a dollar twenty-five for the week, which is a good amount for a five-year-old. But let me just say, when I say so they can spend it, if you're the parent, it is okay to say no to what they are purchasing. Our middle son at a point, now he was older, but he wanted to get 10 piercings in one ear.   We didn't think this was a wise decision, not all at the same time. He respectfully stated that he was old enough that he didn't need our permission and that he could pay for it. Now, mind you, he was living with us at the time, but he said he didn't need our permission.   And he said it respectfully. We did tell him no, and that as long as he was living with us, reaping the benefits of our house, utilities, food, vacations, he still needs to abide by our parental decisions. And you know what?   It wasn't an issue. He said, okay. And when he was on his own, you know what?   He had become wiser over those couple of years and he didn't do it. So, it's okay to say no to some things. And saying that, doing this allowance, it makes going places so much nicer.   I never said no to my kids. And it was funny because when we talk about moms' groups or whatever, I said, “Oh, I never tell my children no. They can have, you know, what they asked me for things, I never tell them no.”   And they go, “Really?” And I said, “Yeah.” I'd say, “Do you have the money for it?”   Oh, okay. And then it wasn't me saying no. They needed to make that decision.   This sounds so negative and it truly is not. Our boys took great pride in paying for their own things. I mean, they used discernment in their choices.   And they took great care of those toys that they bought. There was a sense of ownership and responsibility to it. This was not negative.   It was truly positive and taught them much more than just about money.   Laura Dugger: (42:22 - 42:41) Well, and it's such a great real-world experience. I've never heard someone teach like this before, where you broke it down so specifically. But really, it reflected how they would handle money as adults.   And so, I think it's brilliant. And I'm wondering if you have any other practical recommendations that we haven't covered yet.   Markie Castle: (42:43 - 45:07) I would give a few. So, in their allowance, I put the cash in clear containers labeled so that they could see what they had. When they were older, we moved it to paper because I wanted them to be taught about how banks work.   Another couple of things. We never had issues going through candy aisles or going to events. We would pay for the tickets.   If they wanted to buy a snack like at Six Flags or something, they could. But they'd have to use their own money. Now, we're not cruel.   We would buy lunch for them. But if they wanted that $10 soft pretzel, they needed to buy it. Another thing, if they received money for a birthday gift, we felt that that was all theirs to spend.   Because to me, that gift, you know, if they were given a toy, we wouldn't split that toy up and give 10% to charity. So, they could keep all the money and go and buy what they wanted. One other thing, and some people may find this controversial, but I would suggest getting a credit card for your children as soon as you can while they are living with you.   And then you can give them the guidance that they need. Our son learned from an early age that you only charge items that you know you will be able to pay off at the end of the month. A debit card is good too, that they need to have that money in there.   But we liked setting the habit of paying off the credit card every month. A debit card would say, you can't slide this card unless you have that money in the bank. Either way, I would highly recommend you get your children something so you can give them the guidance of how to use it.   We knew people who wouldn't allow their children to date until they were 18. And my thought was, I don't want to give my children the go ahead to date when they go off to college. I wanted to be able to guide them.   So, we said, when you're 16, you can date. And then we were able to guide them and teach them along the way.   Laura Dugger: (45:08 - 45:14) That's so good. And can you think of anything else that you want to make sure we don't overlook today?   Markie Castle: (45:15 - 45:51) After counseling and mentoring many couples who have asked us for help, I realized that financial difficulties and marriage issues go hand in hand. That puts a stress in a marriage that comes out in other ways. If someone is having financial issues, you need to get help.   I would also say to teach your children so they are raised with a God-honoring respect for money. 1 Timothy 6:10 doesn't state that money is the root of all evil. It states that “the love of money is the root of all evil.”   Laura Dugger: (45:52 - 45:59) Well, I love all of the practical tips you've shared. And do you have any other favorite stories that come to mind?   Markie Castle: (46:00 - 48:23) One that is particularly close to me is we had very, very close friends who actually my husband worked under him for many years. But we were very close. And in fact, we moved together and with my husband's job and very close.   He was an exec, a cat, very high up. And making more money was the most important thing. Climbing that corporate ladder.   And suddenly he just realized how unhappy he was. He also put his children at bay because he worked so much. He needed to have the better cars, the better house, the better everything.   And one evening, there's a knock at the door. We weren't expecting him. And they were just standing there.   And he just said, “Can we talk?” And he came in and he looked at us and said, “When is enough??” And he had tears in his eyes.   And he knew that money was driving him at the cost of his marriage, although they were still together, but at the cost of the relationship with his children. And he said, “When is enough? And we talked to him.   We again shared the gospel, which we had shared before. And when you have Christ in your life, for me, that's enough. That's all I need is Christ.   He turned his life over to the Lord. He became a believer. He quit his job, which he had planned on.   And financially, he was great. And what he does now, he does a lot of mission work. He goes to different places that have been hit by a tornado.   And he's with the group that goes all over taking care of other people. And he is far, far wealthier than he ever was.   Laura Dugger: (48:24 - 48:48) Wow, Markie, that is so powerful. And what an incredible story to start to close our time together with. But I still have one final question for you, because our podcast is called The Savvy Sauce, because savvy is synonymous with practical knowledge or discernment.   And so, this is my final question for you today. What is your savvy sauce?   Markie Castle: (48:49 - 49:28) I would say beware of giving your children everything they want. And everything you think they need. Wanting is a great lesson to learn.   And as we've been told in the Bible, patience is a virtue. Having children earning their own money and spending it teaches them independence and develops them to be adults who are secure with the choices they have learned to make. This is far more than just teaching them about money.   Much more is developed within them.   Laura Dugger: (49:28 - 50:00) That is so good. And truly, Markie, this conversation, I can't wait to share it with all of our girls, with Isla and Kessler, too, being even just six and four. I think you have so many helpful practical takeaways.   And you're such a gifted teacher. So, it's been a joy to learn from you during this time. So, thank you, not only for applying scriptures to the way you interact with finances, but thank you for also sharing those applications with us today.   And thank you for being my guest.   Markie Castle: (50:01 - 50:10) Laura, it's truly been my pleasure. I appreciate you and I appreciate how God-centered you are and with this podcast.   Laura Dugger: (50:11 - 53:29) Wow, thank you so much. That encouragement means a lot. One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

Ready to set your fee? You choose the dream, we'll do the math.

On this episode of CFO at Home, Vince and his guest, Kyle Gabhart, author of "Legends Don't Retire and Neither Should You"., discuss creating a meaningful legacy, financial and otherwise. They discuss the importance of living a meaningful life in the present, and how wealth can amplify influence but is not the essence of one's legacy. Kyle also challenges the conventional notion of retirement, advocating instead for a life of engagement and purpose throughout our lives, and shares strategies for integrating passion into our lives while preparing for the future. For more about Kyle and his work, visit KyleGabhart.com. Key Topics: The Meaning of Legacy: Living vs. Leaving Challenging Conventional Retirement Notions The Importance of Community and Engagement Balancing Financial Planning with Life Fulfillment Understanding the Role of Wealth in Legacy Strategies for a Holistic Approach to Budgeting Key Links: Kyle Gabhart.com Legends Don't Retire and Neither Should You Kyle Gabhart | LinkedIn Bluegrass Legacy Group | Facebook Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

Les ETF attirent de plus en plus d'investisseurs particuliers. Mais quel outil utiliser pour investir dans des ETF ? Le PEA est-il le meilleur support ?Gaëtan Delculée est Directeur Monde de la distribution digitale et des ventes ETF chez Amundi. Au micro de Matthieu Stefani, il nous explique pourquoi et comment investir dans des ETF via un PEA.Découvrez :Les avantages des ETFLes frais liés aux ETFLes atouts du PEA pour investirLes risques à éviter lorsqu'on investit dans des ETFL'importance de la diversification et du long termeRéférences :ETF indicielPlan d'Épargne en Actions (PEA)AmundiCAC40S&P 500NASDAQ 100MSCI WorldLa Martingale est un média podcast et vidéo d'‪@orsomedia‬ qui parle d'argent, mais pas que. Finances personnelles, investissement, épargne, patrimoine - tous les sujets sont abordés sans tabous pour aider chacun à y voir plus clair dans la gestion de ses actifs. Si l'épisode vous a plu, retrouvez La Martingale sur :Instagram : / lamartingalepodcastLinkedIn : / lamartingalepodcast TikTok : / lamartingale_media X : https://x.com/MartingaleLaNotre site : https://lamartingale.ioNotre Linktr.ee : https://linktr.ee/lamartingale_mediaPour en savoir plus sur Amundi, rdv sur amundi.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

I sit down with my friend Stephen De Silva, creator of The Prosperous Soul and former CFO at Bethel Church. We talk about something most men never realize — that our financial struggles are rarely about money. They're about what's happening inside our hearts and minds. Stephen helps us unpack the connection between the soul and wealth, revealing how your mindset and theology can either limit or multiply what God wants to do in your finances.I share a bit of my own story — moments when I thought “we just need more money,” but the truth was, I hadn't planted any new seeds. There was no stewardship, no multiplication, just waiting for a miracle. Stephen challenges that mindset head-on, teaching how to align our internal world with the mind of Christ, and how to grow capacity through protection, provision, and identity. We talk practicals too: creating multiple streams of income, overcoming fear around money, and learning to be both shrewd as a serpent and innocent as a dove.If you've ever felt stuck financially or wondered how to build true prosperity that lasts for generations, this conversation will light a fire in you. Whether you're trying to climb out of debt, launch a new income stream, or teach your kids how to steward money God's way, this is your roadmap to becoming a man who prospers from the inside out.

In this final message of our Blessed to be a Blessing series, Pastor Josh Blair teaches on God's perspective of money — not as something to fear or worship, but as a tool that can be used to advance His Kingdom. This week's sermon dives deep into biblical financial principles, showing how generosity, stewardship, and trust in God lead to lasting peace and purpose. From the dangers of misplaced trust in wealth to the freedom that comes from faithful tithing, this message challenges us to invite God into our finances and to live with financial peace and generosity.

On this episode, Darren sits down with Scott Gates (President of Awake Window & Door Co.) to discuss his company's bold hiring model: more than half its workforce is made up of formerly incarcerated individuals. 

In the latest episode of Parents & Professors Podcast, Dr. Marjorie Dorime-Williams and Dr. Michael Steven Williams dive deep into one of the most sensitive yet essential topics in co-parenting: finances.

-Join Pastor Brian Episcopo at Alliance Church in Appleton, WI, as he delivers a powerful sermon on applying faith to your finances. Drawing from Hebrews 11 and the story of Abraham's test with Isaac, this message explores how God tests our trust, especially in money matters, and invites us to take bold steps of generosity toward the church's 100X vision for growth in Appleton, Hortonville, and Neenah.In this inspiring talk from October 26, 2025, learn why faith means reasoning with God's promises, overcoming financial anxiety, and participating in His mission through giving, serving, and praying. Whether you're facing stress in your budget, marriage, or life regrets, discover assurance and confidence in what you can't see.Key highlights:-The 100X Vision: Praying for gospel multiplication in marriages, families, and communities (Luke 8).-Big impacts: 197,000 kids in Discoveryland globally, 538 professions of faith, and over $2.5M given globally in 2 years.-Practical steps: Give once if new, give regularly if occasional, or aim for tithing (10%) if consistent.-Church growth: From YMCA meetings in 1920s to thriving locations today.If you're searching for Christian sermons on money, stewardship, biblical generosity, or faith tests, this is for you! Subscribe for more uplifting messages from Alliance Church.

-Join Pastor Brian Episcopo at Alliance Church in Appleton, WI, as he delivers a powerful sermon on applying faith to your finances. Drawing from Hebrews 11 and the story of Abraham's test with Isaac, this message explores how God tests our trust, especially in money matters, and invites us to take bold steps of generosity toward the church's 100X vision for growth in Appleton, Hortonville, and Neenah.In this inspiring talk from October 26, 2025, learn why faith means reasoning with God's promises, overcoming financial anxiety, and participating in His mission through giving, serving, and praying. Whether you're facing stress in your budget, marriage, or life regrets, discover assurance and confidence in what you can't see.Key highlights:-The 100X Vision: Praying for gospel multiplication in marriages, families, and communities (Luke 8).-Big impacts: 197,000 kids in Discoveryland globally, 538 professions of faith, and over $2.5M given globally in 2 years.-Practical steps: Give once if new, give regularly if occasional, or aim for tithing (10%) if consistent.-Church growth: From YMCA meetings in 1920s to thriving locations today.If you're searching for Christian sermons on money, stewardship, biblical generosity, or faith tests, this is for you! Subscribe for more uplifting messages from Alliance Church.

It's spooky season with a financial twist with Mesirow! Every Monday, a specialist from Mesirow joins Jon Hansen to share the spookiest things you can do for your finances. Noah Bloch, Vice President and Wealth Advisor at Mesirow, talks about life insurance and making sure you're covered for everything you might need. For more information, […]

Alors que la Russie peut potentiellement compter sur une réserve active de deux millions de soldats, pour éviter la mobilisation très impopulaire. L'Ukraine est face à un problème insoluble... celle d'une démocratie qui rechigne à enrôler de force... pour l'instant, pas question d'abaisser l'âge de la mobilisation au-dessous de 25 ans, le gouvernement a même assoupli la loi martiale et permis aux hommes de 18 à 22 ans de traverser la frontière librement. Résultat : Berlin a vu le nombre d'arrivées de jeunes hommes en provenance de Kiev bondir depuis fin août 2025.   Dans l'est de l'Ukraine, près du front, Anastasia Becchio a rencontré des divisions en manque de soldats.   Le débat autour du service militaire en Allemagne  Et alors que l'ensemble de l'Europe se réarme pour faire face à la menace russe et au désengagement américain, la question du service militaire n'est plus un tabou. En Allemagne, il doit être réintroduit dès le premier janvier prochain, mais sous quelle forme ? C'est toute la question, Delphine Nerbollier.     En Irlande du Nord, la désillusion après le procès du Bloody Sunday C'est un procès emblématique qui s'est terminé en fin de semaine dernière, en Irlande du Nord, à Belfast. Celui d'un soldat britannique, le soldat F, qui comparaissait 53 ans après les faits pour avoir tiré sur la foule des manifestants, lors du tristement célèbre Bloody Sunday. Accusé de deux meurtres, il a finalement été acquitté, faute de preuve.   Dans une région meurtrie par la guerre civile, la mort de 14 militants pacifistes abattus par les parachutistes, le 30 janvier 1972, à Londonderry, reste une blessure.  Dans cette ville que les Irlandais appellent Derry, Clémence Pénard a pu rencontrer les familles des victimes qui ne se faisaient de toute façon guère d'illusion.   Les enquêtes autour des «affaires» de l'homme politique belge Didier Reynders. La chronique de la revue d'investigation Medor  Un homme politique belge central, Didier Reynders, ancien ministre des Finances pendant dix ans, puis ministre des Affaires étrangères et enfin commissaire européen à la Justice, est aujourd'hui accusé de blanchiment d'argent. 700 000 euros sont en jeu. On en parle avec Philippe Engels, journaliste à la revue d'investigation belge Medor.  

Episode en partenariat avec Allianz La retraite touche à votre qualité de vie, à vos envies de demain. Dans cet épisode, on aborde ensemble les craintes, les tabous et surtout les solutions concrètes pour vous aider à construire votre projet de retraite sereinement.Ce podcast a été enregistré en septembre 2025. Les propos qui y sont tenus s'appuient sur la réglementation en vigueur à cette date, qui est susceptible d'avoir évolué depuis. Nous vous invitons à vérifier les éventuelles évolutions réglementaires avant toute prise de décision. Allianz Vie – Entreprise régie par le Code des assurances – Société anonyme au capital de 681 879 255 € – 340 234 962 R.C.S. Nanterre.Allianz Retraite – Fonds de Retraite Professionnelle Supplémentaire régi par le Code des assurances – Société anonyme au capital de 101 252 544, 51 € - 824 599 211 R.C.S. Nanterre.Siège social : 1 cours Michelet - CS30051 – 92076 Paris La Défense Cedex. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

More money. More clothes. More house. More everything. But when is it ever enough? Finding contentment doesn't come from chasing what's bigger and better. Because even when you do get more, it will never compare to what God has to offer.

Join us on Average Joe Finances as our guest Tim Dwyer,shares his 20+ years of experience in business coaching, detailing his journey from a corporate career at Telstra to running his own business coaching company. He emphasizes the importance of passion, purpose, and capability in building a successful business and introduces his innovative 'Toly Map' system for business growth. Tim also discusses the impact of AI on business landscapes and the significance of aligning with one's true passion to navigate future changes. Through various anecdotes, he sheds light on why trusting instincts and fostering a growth-oriented and passionate team are crucial for long-term success.In this episode:Gain clarity on how aligning passion with strategy can turn a business into both a purpose and a profit engine.Uncover how Tim Dwyer's Tmy Map offers a structured path to scale, sell, or sustain your business with intention.Recognize the power of building culture and leadership that evolves alongside your growing team.Take away timeless lessons on decision-making, self-awareness, and serving with joy in an ever-changing business world.And so much more!Key Moments:00:41 Meet Tim Dwyer: From Corporate to Coaching01:20 Tim's Business Journey and Coaching Philosophy03:40 The Google Maps of Business Success08:56 Inspiration vs. Opportunity in Business11:15 The Importance of Passion and Capability15:17 Building a Passionate Team19:21 Success Story: Passion-Driven Growth22:52 The Importance of Passion and Capability in Business23:44 Building and Managing a Successful Team28:27 The Role of Culture in Business Growth29:48 Final Round: Personal Insights and Lessons Learned33:57 Tips for Aspiring Entrepreneurs35:34 Book Recommendations and Final ThoughtsFind Tim DwyerWebsite: https://www.timdwyer.net.au/LinkedIn: https://www.linkedin.com/in/timdwyer11/?originalSubdomain=auAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSend us a textSupport the show

In this sermon from October 26th, 2025, Pastor Robby Gallaty explains the importance of generosity in the believer's life. Speaker: Robby Gallaty

More money. More clothes. More house. More everything. But when is it ever enough? Finding contentment doesn't come from chasing what's bigger and better. Because even when you do get more, it will never compare to what God has to offer.

In this sermon we look at 1 Chronicles and talk about how to be good stewards of what God has given us.For more teaching, visit citizenscharlotte.com/teaching

We're living at a time of tremendous INSTABILITY and UNCERTAINTY. And, when facing the unknown, we tend to respond with fear and with faith. Fear says that we're not sure of the outcome, but we have a feeling it's going to be bad. Faith says that we're not sure of the outcome, but that we know God is with us and for us and will take care of us. So we (simply) take another step. Another breath. In this message, Max Vanderpool spells out why God's people have ALWAYS had a hard time trusting God - and why, despite how we might feel internally - God CAN be trusted.

  "Tomorrow you can... meet somebody, and your whole life changes. And that's so beautiful." - Silvia Resnik   Sylvia Resnik is a Fulfillment and Purpose Coach, focusing on empowering high-achieving women to break free from perfectionism and align with their soulful purpose. Deeply connected to the Maasai in Tanzania, she merges coaching with Maasai wisdom and leads initiatives against FGM while advocating for education and self-determination for Maasai women. Her transformative journey now enables her to guide others in achieving lives filled with freedom and purpose.   Episode Summary: In this episode of "All My Health, There Is Hope," host Jana Short interviews Sylvia Resnik, a renowned fulfillment and purpose coach. Sylvia's journey from a structured life in human resources to a transformative path of coaching, intertwined with Maasai wisdom, unravels a unique narrative. Her efforts focus on empowering women both in Western societies and among the Maasai, advocating for education and against female genital mutilation (FGM). The episode provides valuable insights into how Sylvia's experiences instill hope and promote self-discovery through empowerment and subtle transformations. Sylvia Resnik illustrates the striking similarities and differences between Western women's empowerment and Maasai traditions. She shares personal stories about discovering her identity as a vanished twin and the revelations that led her to Tanzania and her work with Maasai women. The episode emphasizes grounding practices, such as interactions with nature and meditation, to maintain balance in high-paced environments. Sylvia's storytelling combines with actionable insights to paint a vivid picture of creating community-focused changes and grounding techniques to foster personal growth.   Key Takeaways: Subtle Transformations: Incremental changes can lead to significant progress in finding personal and professional fulfillment. Community Importance: Community support plays a critical role in women's empowerment across different cultural settings. Grounding Techniques: Practicing grounding techniques like walking barefoot and meditation can reduce stress and enhance emotional regulation. Empowerment Beyond Career: Empowerment includes diverse lifestyle choices, not just career advancement, but embracing roles like stay-at-home parenting. Maasai Cultural Richness: The traditions and challenges of the Maasai people, especially concerning women's rights, offer rich lessons in cultural preservation and advocacy.   Resources: www.silviaresnik.com www.simple-life-journey.com info@simple-life-journey.com https://www.instagram.com/coachsilviaresnik/ https://www.facebook.com/silvia.simple.life.journey https://www.facebook.com/silvia.simple.life.journey     Get in touch with Jana and listen to more Podcasts: https://www.janashort.com/   Show Music ‘Hold On' by Amy Gerhartz https://www.amygerhartz.com/music.   Get the Best Holistic Life Magazine Subscription! One of the fastest-growing independent magazines centered around holistic living. https://bestholisticlife.info/Subscription Grab your gift today: https://www.janashort.com/becoming-the-next-influencers-download-offer/ Connect with Jana Short: https://www.janashort.com/contact/

George Khalaf, managing partner at the Resolute Group, and President of Data Orbital Consulting, discusses The Wall Street Journal Piece, “Democratic Donors Sit on Sidelines as Party Schism Persists,” the factions within the Democratic Party, the redevelopment of the East Wing of the White House, and what fatherhood means.See omnystudio.com/listener for privacy information.

Everyone Needs an Aquarius is back this episode Dom and D discuss: 4:35 Anthony Edwards' Creative Award Show   9:39 Derrick Groves caught in Atlanta  19:15 Brandi & Monica Tour Is heating up 28:55 Brian McKnight wins lawsuit over wife? 34:03  D'Angelo Tribute 49:04 Nicki Minaj is still tweeting 56:44 Kevin McCall's financial issues with Chris Brown Subscribe to the Everyone Needs an Aquarius Patreon https://bit.ly/3tXnnCz  Go cop your candles from Dom at www.saint-angeles.com/candles and use the promo code: Aquarius Email the show at straightolc@gmail.com           Follow SOLC Network online Instagram: https://bit.ly/39VL542                                    Twitter: https://bit.ly/39aL395                                     Facebook: https://bit.ly/3sQn7je                            To Listen to the podcast Podbean https://bit.ly/3t7SDJH                                YouTube http://bit.ly/3ouZqJU                                Spotify http://spoti.fi/3pwZZnJ                                Apple http://apple.co/39rwjD1                                                         IHeartRadio http://ihr.fm/2L0A2y 

In this Dad Edge Podcast episode, I'm joined by my son Ethan for a powerful father-son conversation about money, mistakes, and mindsets. But this episode goes way beyond budgeting tips. It's about the deeper fear, pressure, and responsibility men feel when it comes to providing and preparing the next generation.   We explore everything from cost of living fears to smart saving habits, early investing, and the emotional rollercoaster of becoming financially independent. Ethan shares candid reflections about what worries him most as a 19-year-old and the surprising movie that inspired his money mindset. This episode is filled with laughs, lessons, and the kind of intentional parenting that creates legacy.     EPISODE HIGHLIGHTS [0:00] – Introduction [1:02] – Why talking to our kids about money matters more than ever [3:49] – Celebrating transformation: The First Form Dad of the Month [15:21] – What scares Ethan most about adulting and financial independence [19:36] – The 20% rule and why most people never start saving [29:23] – Ethan's frugal mindset shift (inspired by a Jim Carrey movie!) [38:58] – Understanding assets vs. liabilities and why real estate matters [46:34] – Passive income, investing in apartments, and building wealth young [49:11] – The challenge to aggressively save while you have no bills [55:12] – New resource: 25 questions to spark deeper conversations in the car     5 KEY TAKEAWAYS   1. Start Financial Conversations Early Your kids are already forming money beliefs—talking about finances now sets them up with real tools and confidence. 2. Fear of Failing as a Provider Is Real Ethan opens up about the weight of becoming a provider and why young men need reassurance and education, not shame. 3. Saving While You Have No Bills is a Superpower We talk about how living at home can be a golden window to stack savings, invest early, and get a head start on life. 4. Assets Build Freedom—Liabilities Drain It From real estate to investments, we break down the difference between money that works for you vs. money you spend for status. 5. Legacy is Intentional, Not Accidental These conversations are how we pass down values, strategy, and strength. The way you talk about money sets your family's future.       LINKS & RESOURCES   25 Questions to Spark Connection with Your Kids: https://www.thedadedge.com/kidquestions Join the Dad Edge Alliance: https://www.thedadedge.com/alliance First Form Products: 1stphorm.com/dadedge Dad Edge Podcast Episodes: https://www.thedadedge.com/1391       If this episode sparked new conversations at your dinner table—or made you rethink your financial game plan—please rate, review, follow, and share the podcast. Let's raise strong, wise, and prepared men.

"You have to become the thing you want to become before it comes." – Lisa M. Easton   Lisa M. Easton is a trailblazer in the field of financial empowerment, particularly for women. She is the founder of All A L L, the number one all-female investment club in the United States, and the creator of the Millionaire Morning Mamas program. Lisa's work revolves around closing the gender wealth gap by guiding women in building wealth, gaining financial independence, and investing with confidence. Her investment club focuses on empowering women through innovative investment strategies and financial education.   Episode Summary: Join host Jana Short in an enlightening conversation with Lisa M. Easton, a leading advocate for women's financial empowerment, on the "All My Health, There Is Hope" podcast. Lisa shares her journey from facing a tumultuous personal and financial crisis to becoming the founder of the largest all-female investment club. Her passion for financial literacy and women's wealth-building is evident as she discusses the transformative power of mindset, wealth creation, and financial independence for women. Lisa opens up about her story of hope, emphasizing how a strategic morning routine and a reprogrammed mindset can create wealth and success. She breaks down the myths surrounding women and money, inspiring listeners with her own journey of overcoming challenges to build a million-dollar business. The episode delves into the importance of investing and creating generational wealth, highlighting the groundbreaking work of Lisa's investment club, which allows women of all financial standings to participate in syndication deals. Her insights and experiences serve as a powerful testament to what's possible when women support each other in the financial realm.   Key Takeaways: Mindset Over Circumstance: Lisa emphasizes the significance of reprogramming one's subconscious mind to envision success before it materializes. Financial Empowerment: Understanding and engaging in investments is crucial for women to achieve financial independence and freedom. Collaborative Wealth-Building: Lisa's investment club exemplifies how collective resources can lead to substantial financial growth and success for women. Overcoming Limiting Beliefs: Busting myths such as “I'm not smart enough” or “wealth isn't for me” is essential to embrace and attain financial goals. Investing for the Future: Real estate syndication as an investment strategy can yield high returns, providing a practical approach for women to grow wealth.   Resources: Website: www.lisameaston.com IG: https://www.instagram.com/lisameaston/ TikTok: https://www.tiktok.com/@lisameaston1     Get a free subscription to the Best Holistic Life Magazine, one of the fastest-growing independent magazines centered around holistic living: https://bestholisticlife.info/BestHolisticLifeMagazine.   Get in touch with Jana and listen to more podcasts: https://www.janashort.com/ Show Music ‘Hold On' by Amy Gerhartz: https://www.amygerhartz.com/music. Grab your FREE gift today: https://bestholisticlife.info/BestHolisticLifeMagazine Connect with Jana Short: https://www.janashort.com/contact/