Podcasts about financial

This week, Jason is joined by Executive Vice President and General Manager at Intuit's Consumer Group, Mark Notarainni! Mark leads customer success and expert platforms for products like Credit Karma and TurboTax. Mark's story is a powerful example of long-term career growth and leadership evolution from his early days managing teams and customer experience to now overseeing global strategy at one of the world's leading financial technology companies. His career is built on a people-first leadership, what it takes to thrive inside a major organization, and the lessons he's learned about mentorship, career resilience, and defining success.  Mark opens up about his very first job at Baskin Robbins in high school and how those early lessons stuck with him throughout his career. He reflects on the pivotal decision that reshaped his professional path, the power of intellectual curiosity, and how he learned to stop being intimidated by others—remembering that everyone is “just people.” Mark walks through what a typical day looks like for him at Intuit, why staying close to the technology is essential, and how generative AI is transforming the way Intuit's Consumer Platform serves customers with speed, personalization, and scale. He touches on what causes him anxiety, the strict prioritization system he uses to manage his time, and why taxes represent the largest paycheck moment for many Americans. Mark also breaks down how Intuit's suite of companies helps consumers make smarter decisions around debt, tax returns, and the blend of human expertise and AI. He shares how customer-centricity guides every product improvement, where he recommends people begin their financial journey, and wraps with rapid-fire personal finance questions. Mark reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: Mark Notarainni + https://www.intuit.com/ - includingCreditKarma.com and TurboTax.com, both of which are ready to help you make smart money moves ahead of tax season.  Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group  All Access: Free 30-Day Trial  Trading Secrets Steals & Deals!

Beijing's Economic Desperation: The Triangular Debt Crisis — Andrew Collier — Collier interprets Beijing'spublic calls for state-owned enterprise and private sector cooperation as unmistakable indicators of governmental financial desperation, as the Chinese state systematically fails to compensate private suppliers and contractors. Collier documents that China is experiencing a debt crisis structurally analogous to the "triangular debt" phenomenon of the 1990s, wherein private firms accumulate mounting insolvency as Chinese banking institutions systematically privilege lending to state-backed entities over private sector enterprises, constraining private sector growth essential for technological advancement. 1959

Russia's Financial Desperation: Failed Bond Issues and Discounted Oil — Michael Bernstam — Bernstamdocuments Russia's systematic struggle to finance its expanding budget deficit and war costs through issuance of "Panda bonds" denominated in Chinese renminbi, efforts that have largely failed as Chinese investors regard Russian sovereign debt as excessively risky. Bernstam documents that Russia's oil revenue is severely constrained by Western sanctions enforcement, forcing Moscow to sell crude petroleum at approximately $40 per barrel compared to global market prices exceeding $60, while the European Union remains gridlocked regarding authorization to utilize frozen Russian assets for Ukrainian defense funding. 1906 NORTHSIDE PEKING

In this engaging conversation, Bob Castellini shares his journey as a successful entrepreneur and the founder of a virtual family office. He discusses the importance of planning for business exits, the six forms of capital that contribute to wealth, and the unique investment strategies employed by family offices. Bob also reflects on his family's legacy in the produce industry and emphasizes the significance of community stewardship through sports ownership. Ultimate Show Notes: 00:01:30 - Overview of Bob Castellini's Background and Experience 00:03:50 - Explanation of Sentinel Private Wealth Group and Its Services 00:08:10 - Discussion on the Six Forms of Capital and Their Importance 00:10:30 - Common Pitfalls for Business Owners During Exits 00:13:50 - Insights on Investment Strategies of High Net Worth Families 00:24:00 - Bob Castellini's Personal Story and Family Business Legacy 00:27:30 - Community Involvement and Impact of the Cincinnati Reds Connect with Bob on Social: https://www.linkedin.com/in/bobcastellini/  Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/  Access eBook: https://accountableequity.com/case-study/#register  Turn your unique talent into capital and achieve the life you were destined to live. Join our community!We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. LinkedinFacebookInstagramApple PodcastSpotify

Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance isn't just about the money—it's an emotional, relational, and identity-level shift. Whether it's an inheritance, equity payout, stock options vesting, or another financial surprise, the "right" next step can feel overwhelming. Many people think the challenge is how to invest a large sum… but the real challenge often begins much earlier: Who am I now that money is no longer the limiting factor? In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® break down how to prepare for, navigate, and thoughtfully plan through sudden wealth. They talk about the emotional side of receiving money, how to avoid rushed decisions, the importance of building the right team, tax considerations, and how to align a windfall with your goals, values, and relationships. With the largest wealth transfer in U.S. history underway, this is a conversation every generation needs to hear. If you've received a windfall, expect one, or simply want to understand how to handle one wisely, this episode will help you slow down, think clearly, and make decisions you won't regret. What you'll learn in this episode: Why sudden wealth creates emotional, identity, and relational shifts—not just financial ones The most common types of windfalls and why they require different planning strategies How to avoid rushed decisions and use a "90-day pause" to regain clarity The key professionals you need on your team before making major moves How taxes, investment priorities, and giving strategies change when a windfall enters the plan Mentioned on the Show Mom and Dad, We Need to Talk by Cameron Huddleston Cerulli Associates "Great Wealth Transfer" data "Die With Zero" by Bill Perkins YFP Episode: 5 Key Questions to Ask Before Hiring a Financial Planner

Dr. Boyce Watkins is a Finance PhD and one of the most respected voices in Black economics. He has been featured in USA Today, The Wall Street Journal, BET, CNN, and The Breakfast Club, helping millions learn the keys to wealth, investing, and Black economic empowerment. As the founder of The Black Business School, he has taught over 10 million students worldwide through his books, courses, and daily broadcasts. His podcast and social commentary reach a global audience seeking financial clarity and cultural truth.To learn more or join one of his wealth-building programs, visit DrBoyceWatkins.com.And to receive a free list of his favorite AI stocks, just text the word Stock to 87948.

A viral hoodie prank forces a real debate on compassion, addiction, and public safety while AI memes reshape campaign tactics in real time. We also break down Minnesota's fraud scandal and a bold plan to seed kids' accounts with long-term, compounding benefits.• Yellow sweatshirt stunt as political gamesmanship• Candidate reactions and debate exchange on “Sweatshirt Gate”• Tough-love approach to addiction and homelessness• Personal recovery story illustrating forced treatment debates• AI deepfakes and meme warfare entering local races• Early voting timelines and runoff reminders• Immigration rhetoric vs border vetting and oversight• Minnesota social services fraud scale and accountability• White House response and political risk for Tim Walz• Trump accounts concept and access at 18• Michael and Susan Dell's $6.25b gift and compounding• Financial literacy for kids through seeded accounts• Wildlife note on Wisdom the albatross and longevityPlease sign up for our emails at nodoubtaboutitpodcast.com to get updates on shows and upcoming newsIf you'd also like to make a donation to our campaign, we'd be thrilled to have your support to keep this show runningLike and subscribeWebsite: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

When two faith-based financial institutions come together, the goal isn't simply to grow in size—it's to grow in Kingdom impact. That's precisely what's taking place with the launch of AdelFi Christian Banking, a newly unified identity shaped by a shared mission to honor Christ and serve His people.Recently, we sat down with Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking, to talk about how this merger came together, why the new name matters, and what it means for Christians who want their finances to reflect their faith.A New Identity Rooted in ScriptureAccording to Caid, the new name is much more than rebranding—it's a declaration of purpose.“Our new name and identity are a visual representation of what we desire to accomplish with the merger,” he explains. The name AdelFi is derived from the Greek word adelphos, which is used more than 300 times in the New Testament to describe brothers and sisters in Christ.“That's who we are,” Caid says. “Staff, members, and ministries—coming together as a family of believers to build a financial institution centered on Christ and dedicated to advancing God's Kingdom.”The addition of the phrase “Christian Banking” is equally intentional—a bold statement about who they serve and the mission that drives them.The merger was completed on December 1, and throughout 2026, AdelFi Christian Banking will progressively roll out its new brand identity. Milestones include a new website in Q2 and an enhanced digital banking experience in Q3.Combining Strengths for Greater Kingdom ImpactWhat happens when two long-standing Christian credit unions combine their gifts and experience? Caid says the result is far more powerful than the sum of its parts.Both AdelFi and Christian Community Credit Union (CCCU) bring decades of ministry-focused service—over 125 years combined. Each also carries a unique tradition of generosity:AdelFi tithes 10% of its earnings to Christian ministries and mission-sending organizations.CCCU donates a portion of every debit and credit card swipe to Christian causes—over $6.5 million given to date.“Together, we will amplify our giving,” Caid notes. “And with our union, we will form the nation's largest Christian credit union, creating a digital-forward banking experience that honors God and meets members wherever they are.”The merger also expands lending capacity for churches, ministries, and Christian businesses—allowing more Kingdom-minded projects to flourish.Strengthening the Christian Banking MovementChristian banking is still a small, often overlooked sector. But Caid believes this merger marks a turning point.“Most Americans don't even know a Christian banking option exists,” he says. “By merging, we're aligning resources to create more awareness, more growth, and more impact.”With AdelFi Christian Banking emerging as the clear leader in this space, Caid hopes believers increasingly see banking as an area of stewardship—not just convenience.“Our desire is to be the go-to financial solution for Christ followers who seek to align their finances with their faith,” he says. “We want to help steward God's resources to His glory.”Why Christian Banking Is Countercultural—and NeededCaid acknowledges that choosing a Christian financial institution is, in many ways, a countercultural move.“We've seen a major shift among Christians who are fed up with secular banks using their funds for causes that don't align with their values,” he explains.Believers want their money—God's money—to be managed with integrity and used to advance gospel-centered work.“That's why we're boldly stating there is a quality alternative,” Caid says. “A place where your finances are stewarded in ways that reflect biblical priorities, not worldly ones.”The creation of AdelFi Christian Banking reflects a unified vision, a strengthened mission, and a renewed commitment to serving Christ's people well. For those seeking to align their financial lives with their faith, this merger offers a meaningful way forward.To learn more about AdelFi Christian Banking or explore opening an account, visit: FaithFi.com/Banking.On Today's Program, Rob Answers Listener Questions:I was offered a $45,000 loan at 8.675% for 20 years. I could use it to pay off two loans—one at 10.44% and one at 9.84%—and still have $15,000 left over. If I then put an extra $300 a month toward the new loan, is this a good deal?I'm 65 with a little over $1 million in a traditional IRA. Should I start converting some of it to a Roth before I have to take RMDs at 73?I budgeted $25,000 for a remodel. The contractor offered 0% financing for 72 months, bringing the cost to $21,000 with a $3,000 down payment—or I could pay cash and get an extra 5% discount by putting $6,000 down. Should I take the 0% option to keep more cash on hand? And will it affect my credit score?We owe $56,000 on our mortgage. I could pull from my retirement to pay it off, but that would nearly drain the account. Would it be wise to do that and then redirect the mortgage payment into investing?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)AdelFi Christian BankingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode Summary: Christmas is often described as the most wonderful time of the year, but for many, it doesn’t feel that way. Whether because of grief, loneliness, financial strain, or painful memories, the holidays can intensify sadness instead of joy. Today on Your Hope-Filled Perspective, Jessica Van Roekel and I want to talk about what we call a ‘Blue Christmas.’ Together, we’ll explore why it’s important to give ourselves and others permission to grieve during the holiday season, how God meets us in our pain, and ways to navigate December with compassion and hope. Quotables from the episode: For some, Christmas brings laughter, lights, and loved ones. But for others, it’s a season that magnifies loss, heartache, or isolation. If you or someone you know is struggling this Christmas, you’re not alone. On today’s episode of Your Hope-Filled Perspective, Jessica Van Roekel and I will share how to give space for what we call a ‘Blue Christmas’—a time when we acknowledge that the holidays can be hard, while also discovering God’s gentle presence and the hope He offers, even in the midst of sorrow. I wanted to acknowledge that while Christmas is often referred to the most joyous time of year, it isn’t for everyone, and it’s important for us to acknowledge our thoughts and feelings, but simultaneously continue to put our hope in God. Often, Christmas is portrayed as magical, joyous, and full of peace. But for many, that’s simply not the reality. Grief, depression, loneliness, or broken family relationships can make Christmas feel heavy. And pretending everything is fine when it’s not only deepens the ache. God invites us to bring Him our honest emotions. Think about the Psalms—David poured out his sorrows, and yet found hope in God’s presence. Let’s name some reasons people might struggle at Christmas: Grief from losing a loved one. Family estrangement or broken relationships. Loneliness, especially for singles, widows, or those far from family. Financial hardship that makes gift-giving stressful. Mental health battles like depression or anxiety. Unmet expectations. Christmas can amplify those pains. Lights and carols may remind us of what we don’t have. But Jesus came into a world of darkness. Isaiah 9:2 says, “The people walking in darkness have seen a great light.” His presence is especially near to the brokenhearted (Psalm 34:18). Sometimes we pressure ourselves to “put on a happy face.” But it’s okay to grieve at Christmas. Lament is part of worship. Jesus Himself wept (John 11:35). If the Son of God cried at loss, then tears are holy too. Giving yourself permission to be real is not a lack of faith. We can also set boundaries. Maybe we can’t attend every party. Maybe we create new traditions that feel gentler for our souls this year. Sometimes the best gift is presence, not presents. Just sitting with someone, listening, or sending a simple “thinking of you” note can mean the world. And don’t say, “You should be happy, it’s Christmas.” Instead, validate their feelings. Romans 12:15 says, “Rejoice with those who rejoice; mourn with those who mourn.” Another practical tip—invite them into your traditions in small ways, without pressure. Even a quiet cup of cocoa together can bring comfort. At the heart of Christmas is Emmanuel—God with us. That truth doesn’t change, whether our Christmas is merry or blue. We can both acknowledge sorrow and cling to hope. One way is through Scripture meditation. Even reading Luke 2 slowly and remembering that Christ entered a broken, chaotic world can remind us we’re not alone. Some practical things that help: Create a memory box or light a candle in honor of a loved one. Simplify expectations. You don’t have to do all the traditions. Prioritize rest and self-care. Spend time with safe people who encourage your heart. And when emotions overwhelm, breathe a prayer like: “Lord, hold me in this moment.” God doesn’t require eloquence—He wants our honesty. Friend, if you’re facing a Blue Christmas, know this: You are not broken because you feel sorrow. God sees you, loves you, and promises to draw near. He is “Immanuel—God with us.” That’s the real miracle of Christmas. Whether your Christmas is filled with joy or tears, His presence is your anchor. Scripture References: Psalm 42:11 “Why, my soul, are you downcast? Put your hope in God…” Matthew 1:23 “They will call Him Immanuel, which means ‘God with us.’” Ecclesiastes 3:4 “a time to weep and a time to laugh, a time to mourn and a time to dance” Isaiah 9:2 “The people walking in darkness have seen a great light.” Psalm 34:18 His presence is especially near to the brokenhearted. Romans 12:15 “Rejoice with those who rejoice; mourn with those who mourn.” Recommended Resources: Reframing Rejection: How Looking Through a Different Lens Changes Everything By Jessica Van Roekel Sacred Scars: Resting in God’s Promise That Your Past Is Not Wasted by Dr. Michelle Bengtson The Hem of His Garment: Reaching Out To God When Pain Overwhelms by Dr. Michelle Bengtson, winner AWSA 2024 Golden Scroll Christian Living Book of the Year and the 2024 Christian Literary Awards Reader’s Choice Award in the Christian Living and Non-Fiction categories YouVersion 5-Day Devotional Reaching Out To God When Pain Overwhelms Today is Going to be a Good Day: 90 Promises from God to Start Your Day Off Right by Dr. Michelle Bengtson, AWSA Member of the Year, winner of the AWSA 2023 Inspirational Gift Book of the Year Award, the 2024 Christian Literary Awards Reader’s Choice Award in the Devotional category, the 2023 Christian Literary Awards Reader’s Choice Award in four categories, and the Christian Literary Awards Henri Award for Devotionals YouVersion Devotional, Today is Going to be a Good Day version 1 YouVersion Devotional, Today is Going to be a Good Day version 2 Revive & Thrive Women’s Online Conference Revive & Thrive Summit 2 Trusting God through Cancer Summit 1 Trusting God through Cancer Summit 2 Breaking Anxiety’s Grip: How to Reclaim the Peace God Promises by Dr. Michelle Bengtson, winner of the AWSA 2020 Best Christian Living Book First Place, the first place winner for the Best Christian Living Book, the 2020 Carolina Christian Writer’s Conference Contest winner for nonfiction, and winner of the 2021 Christian Literary Award’s Reader’s Choice Award in all four categories for which it was nominated (Non-Fiction Victorious Living, Christian Living Day By Day, Inspirational Breaking Free and Testimonial Justified by Grace categories.) YouVersion Bible Reading Plan for Breaking Anxiety’s Grip Breaking Anxiety’s Grip Free Study Guide Free PDF Resource: How to Fight Fearful/Anxious Thoughts and Win Hope Prevails: Insights from a Doctor’s Personal Journey Through Depression by Dr. Michelle Bengtson, winner of the Christian Literary Award Henri and Reader’s Choice Award Hope Prevails Bible Study by Dr. Michelle Bengtson, winner of the Christian Literary Award Reader’s Choice Award Free Webinar: Help for When You’re Feeling Blue Social Media Links for Host and Guest: Connect with Jessica Van Roekel: Website / Instagram / Facebook For more hope, stay connected with Dr. Bengtson at: Order Book Sacred Scars / Order Book The Hem of His Garment / Order Book Today is Going to be a Good Day / Order Book Breaking Anxiety’s Grip / Order Book Hope Prevails / Website / Blog / Facebook / Twitter (@DrMBengtson) / LinkedIn / Instagram / Pinterest / YouTube / Podcast on Apple Co-Host: Jessica Van Roekel is a worship leader, speaker, and writer who believes that through Jesus, personal histories don’t need to define the present or determine the future. She inspires, encourages, and equips others to look at life through the lenses of hope, trust, and God’s transforming grace. Jessica lives in rural Iowa surrounded by wide open spaces which remind her of God’s expansive love. She loves fun earrings, good coffee, and connecting with others. Hosted By: Dr. Michelle Bengtson Audio Technical Support: Bryce Bengtson Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

979. This week, Laura reviews how to tidy up your financial records and save space without violating IRS retention rules. She shares seven essential tips on which paper and digital documents to safely keep (like vital records and tax forms) or ditch, and for how long.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Discover if AI valuations have peaked. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

Today's episode is one of those conversations that feels more like sitting around a tailgate after a long hunt than recording a podcast. Tony and I get into all the stuff most folks don't ever say out loud—the weird mix of privilege and pressure in modern hunting, what ‘authenticity' even means anymore when everything online looks perfect, and how easy it is to forget what actually matters in this whole deal. We swap some stories about blown opportunities, the headaches of losing access and trying to scratch out a hunt on public, and the kind of hunts that shape you—especially the ones where nothing comes easy. We get into family hunts, the pull of different landscapes, and what it looks like to reevaluate your goals after a few seasons that didn't go the way you planned. It's raw, honest, and exactly the kind of conversation I think hunting needs more of. WHAT TO EXPECT FROM PODCAST 469 Authenticity matters more than ever in a digital world full of curated hunting content. Access—both private and public—shapes nearly every part of a hunter's experience and opportunity. Missed chances and lost hunting ground take an emotional toll, but they're also part of what makes the journey meaningful. Financial privilege and trophy-driven expectations can distort what real hunting success looks like. Family hunts and genuine time outdoors provide the fulfillment that social media can't replicate. Link in Bio:  SHOW NOTES AND LINKS: —Truth From The Stand Merch —Check out Tactacam Reveal cell cameras — Save 15% on Hawke Optics code TFTS15  —Save 20% on ASIO GEAR code TRUTH20 —Check out Spartan Forge to map your hunt  —Save on Lathrop And Sons non-typical insoles code TRUTH10 —Check out Faceoff E-Bikes —Waypoint TV Learn more about your ad choices. Visit megaphone.fm/adchoices

From jumping straight to deal structure to building repeatable acquisition programs that scale, Corey Kupfer shares the exact whiteboarding process he uses with clients to create successful deal programs across M&A, joint ventures, licensing, and any deal-driven growth strategy. In this solocast episode of the DealQuest Podcast, host Corey Kupfer walks through the five critical steps that must come before deal structure when building a repeatable deal program. Drawing on 35+ years of deal-making experience and countless whiteboarding sessions that have helped create platforms completing dozens of transactions, Corey reveals why most attorneys start in the wrong place and how proper planning separates successful programs from expensive mistakes. WHAT YOU'LL LEARN: In this episode, you'll discover why deal structure should be the sixth step in your process, not the first, and how to identify your personal and business motivations before pursuing any deal program. Corey shares the five whys technique from Honda's former CEO to uncover your real drivers, how to define your ideal target or partner profile to avoid wasting time on opportunities that don't fit your strategic criteria, and why your value proposition must differentiate you from competitors who may have more capital. You'll learn how to assemble the right deal team with both internal and external expertise, why building a repeatable model before doing individual deals prevents cap table nightmares and integration problems, and the power of having template documents ready to demonstrate you're a serious player. The framework applies whether you're pursuing acquisitions, joint ventures, licensing deals, franchising, or any other deal-driven growth approach. THE WHITEBOARDING PROCESS: Most clients come to Corey asking about deal structure. What should the terms be? Should they pay cash or offer equity? What about earnouts? These are important questions, but they're not where you should start. After doing whiteboarding sessions with countless clients over 35 years, Corey can say with complete confidence that every single one has gotten significant value from the process. The firms that skip these steps end up with inconsistent deal structures, cap table problems, and integration nightmares. The companies that do this right create efficient, repeatable processes that let them scale their deal programs. THE INTERNAL JOURNEY: Corey often talks about things other lawyers don't discuss. He focuses on the internal journey, making sure business leaders and executives move forward on deals from the right place. When you get to wherever you think you want to go, you should actually be happy and satisfied, and it should help you achieve your objectives and goals. Too many entrepreneurs pursue growth strategies based on external pressures or assumptions about what they think they should be doing, based on entrepreneurial wisdom out there. They grow and do things in ways that don't actually end up making them happy and satisfied and aren't necessarily best for their business. STEP ONE: START WITH YOUR WHY: The first question in every whiteboarding session is why. Not just the corporate why, although that matters. Corey wants to know your personal why as the founder or executive driving this strategy. If your why is geographic expansion because your clients need services in other markets, that's legitimate. If your why is adding capabilities that will create a better integrated client experience, that works too. If your why is increasing enterprise value before an exit in five or ten years, there's no judgment about that. You just need to be clear on what drives you, because that clarity will shape every subsequent decision. Corey uses the five whys technique, which comes from the former CEO or chairman of Honda. You ask why five times, going deeper with each question. Why do you want to grow? To get bigger. Why do you want to get bigger? To serve clients better. Why will that serve clients better? Because they have needs we currently send elsewhere, and integration would improve their experience. Why does that matter to you? Because I genuinely care about my clients and believe this will make them happier while helping our company grow. That depth of understanding separates deal programs that succeed from those that become expensive distractions. STEP TWO: DEFINE YOUR TARGET PROFILE: Once you know your why, you can determine who you should be targeting. This is where many firms waste tremendous time and energy. Doing deals is a distraction from running your business, especially if you don't have a dedicated corporate development team with finance people, legal resources, and integration specialists. You need to be surgical about who you pursue. Think about the wealth management space, which Corey works in extensively. There are huge numbers of buyers right now. The market is incredibly competitive. If you're trying to compete with private equity backed aggregators on their terms, you'll lose every time. They can pay top dollar, close fast, and offer the second bite of the apple through rollover equity and multiple arbitrage. If you don't have PE backing, you need a completely different value proposition. Maybe it's culture. Maybe it's the opportunity for advisors to expand their service offerings. Maybe it's taking administrative burden off retiring founders so they can focus on what they love. Your value proposition should be authentic to who you are and what you can actually deliver. STEP THREE: ASSEMBLE YOUR DEAL TEAM: Before you start actively pursuing deals, you need to know who will be on your deal team, both internally and externally. This includes whoever sources deals for you, whether that's an internal corporate development person, an investment banker, a recruiter, or a consultant. You need financial expertise, and it better be someone with deal experience. Accountants, CFOs, and controllers who have never worked on transactions are very different from those who have. The same goes for legal. Your general corporate lawyer is not the person to build your deal program. Then you have all the integration functions. Technology integration. HR and culture integration. Client communication and retention strategies. You might not have every person in place on day one, but you need to know what roles are required and have a plan for filling them before you close your first deal. STEP FOUR: BUILD YOUR MODEL: This is where most companies make a critical mistake. They do deals opportunistically without creating a consistent model first. Someone approaches them, they negotiate terms, they close. Then another opportunity comes along, they do it differently. After three or four deals, they have completely different structures with different equity classes, different earnout provisions, different everything. This creates massive problems. If you have different classes of equity, your cap table becomes a mess. If sellers talk to each other and realize they got very different deals, you have credibility issues and potential legal exposure. Integration becomes nearly impossible because you don't have standardized processes. The best acquirers find their model and make it repeatable. They have template legal documents. They have standardized financial analysis and underwriting processes. They have systems for due diligence and integration. Every deal follows the same fundamental structure with minor variations based on specific circumstances. When you build your model, you're deciding the big conceptual components. Are you doing all cash deals or creating an equity class for rollover? How much will you pay upfront versus over time? Will you have retention requirements tied to revenue or client retention? What about earnouts for partners who stay involved in growth? In service businesses where client relationships matter, you almost always want some backend money contingent on retention. If you're buying a manufacturing business with hard assets, the calculus is different. STEP FIVE: DRILL DOWN TO DEAL STRUCTURE: Once you have your model, you can determine the actual deal structure for individual transactions. What specific equity class will you offer? If you're an S corp, you can only have one class of equity. Will you restructure as a C corp or an LLC to offer different equity terms? What exact percentage will you pay upfront versus backend? Over how many years? If you know you're targeting retiring business owners who want to cash out, they probably want more money upfront and less backend risk. If you're targeting younger partners who want to stay and grow, they might prefer less upfront and more backend upside. All of these specific terms fit within your broader model. You're not reinventing the structure for each deal. You're applying your established approach with minor customizations based on the specific situation. THE POWER OF TEMPLATE DOCUMENTS: The ideal scenario is completing your whiteboarding session, building your model, and creating template legal documents before you start seriously pursuing targets. When someone expresses interest, you can immediately send a letter of intent. You can start due diligence with established processes. You can deliver definitive legal documents quickly. This makes you look professional and serious. It shows potential partners that you know what you are doing and have your act together. Speed matters in competitive markets. Corey understands the practical reality. Template documents cost legal fees before you have a deal in place. Some clients aren't willing to make that investment without more certainty. Others have already started conversations with potential partners before they come in for the whiteboarding session. Recently, a client did the whiteboarding session in the morning, then met with a potential seller that same afternoon. The seller was ready to move faster than expected. The documents got built for that specific deal, which also became the templates for future transactions. REAL-WORLD APPLICATIONS: The framework works across any deal type. While Corey uses M&A as the primary example because that's what most clients ask about, the principles apply to licensing strategies, joint venture partnerships, franchising programs, or any other deal-driven growth approach. The key is understanding what the ideal process looks like and getting as close to it as circumstances allow. A lot of these factors depend on your industry and the types of relationships with clients and customers. The contractual length and other factors with those customers and clients help dictate what the model will be around things like retention requirements. If you're bringing in retired folks who are looking to get out of the business and will be gone after a consulting arrangement, that will dictate a different part of the model than somebody who is younger, coming in, going to stay with the company, and wants to continue to grow. THE PERSONAL WHY MATTERS MOST: Company objectives matter. Strategic rationale matters. Financial considerations matter. But your personal why as the founder or executive is equally important. Why are we entrepreneurs if we're not creating companies that let us build the lives we want? Too many business leaders grow based on external pressure or assumptions about what they should be doing. They read about how some company scaled through acquisition, so they think they need to do the same thing. They hear about the multiples PE backed platforms are achieving, so they assume that's the only path. Then they build companies they don't actually want to run. They create obligations and structures that make them miserable. They achieve financial success but personal dissatisfaction. Your personal motivations are relevant and legitimate. If you want to build a legacy company, own that. If you want to create enterprise value for an exit, be honest about it. If you genuinely care about providing better client experiences, let that drive your decisions. When your personal why aligns with your company strategy, you create something sustainable. PROVEN RESULTS: These whiteboarding sessions have helped build platforms that have completed dozens of acquisitions. The firms that invest in proper planning make deal-driven growth look easy because they've built proper foundations. The firms that skip these steps end up scrambling, making mistakes, and wondering why their deal program isn't delivering expected results. The process creates tremendous value for every client who goes through it, helping founders create businesses they actually want to run while achieving their financial objectives. Perfect for business leaders considering deal-driven growth, entrepreneurs building acquisition programs, executives exploring joint ventures or strategic alliances, and anyone who wants to pursue deals without wasting time and resources on opportunities that don't align with strategic objectives. • • •FOR MORE ON THIS EPISODE:https://www.coreykupfer.com/blog/dealprogram• • •FOR MORE ON COREY KUPFER:https://www.linkedin.com/in/coreykupfer/http://coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast.Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction to the whiteboarding process for building deal programs [01:01] - Why this process applies to all deal types, not just M&A [01:53] - Five steps that must come before deal structure [02:43] - The passion for visioning, planning, and strategy sessions [03:24] - Why starting with deal structure is the wrong approach [04:18] - The internal journey and making sure deals align with happiness [05:24] - Step One - Starting with your why and getting clear on motivations [06:26] - Using the five whys technique to go deeper on your drivers [06:49] - Example of the five whys in action with client scenarios [08:02] - Step Two - Defining who you're targeting to avoid wasting time [09:54] - How to compete when you don't have PE backing in competitive markets [10:59] - Creating authentic value propositions that differentiate you [12:43] - Step Three - Assembling your deal team internally and externally [13:27] - Why you need the model before individual deal structures [14:08] - The mistake of doing deals opportunistically without consistency [14:44] - Problems created by inconsistent deal structures across multiple deals [15:02] - Step Four - Building a repeatable model that can scale [17:01] - Deciding conceptual components like cash versus equity structures [19:35] - Step Five - Drilling down to specific deal structure within your model [20:34] - Determining upfront versus backend payment percentages [22:17] - The ideal scenario of having template documents ready [22:38] - The practical reality when clients have already started conversations [24:56] - Socializing deals to key stakeholders after closing [24:58] - The importance of not skipping the process even under time pressure [25:25] - Why your personal why matters as much as company objectives [26:24] - The danger of building companies you don't want to run Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 80 - Deal-Ready Foundations with Corey Kupfer: Explore the foundational elements needed before pursuing any deal strategy, including team building and internal preparation. Episode 84 - Business Partnerships Deals with Corey Kupfer: Understand how partnership structures work and how to create successful collaborative deals. Episode 90 - The BEST Of Company Founders with Corey Kupfer: Learn from multiple founders about their deal-driven growth strategies and what worked in building their companies. Episode 134 - Deal Preparation with Corey Kupfer: Discover the five steps toward deal-making success and how proper preparation prevents poor performance. Episode 138 - 5 More Steps Towards Deal-Making Success with Corey Kupfer: Building on the foundation of deal preparation, explore additional critical steps for executing successful transactions. Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Keywords/Tags deal program planning, M&A strategy, acquisition planning, joint venture strategy, licensing deals, deal structure framework, whiteboarding sessions, strategic deal planning, repeatable deal process, deal-driven growth, deal team building, value proposition for deals, target partner profile, deal legal structure, franchise strategy, strategic alliances, five whys technique, business motivation alignment, personal why in business, cap table management, template legal documents, integration strategies, corporate development, wealth management M&A, PE competition strategies, deal model building

Advisors everywhere are feeling the pressure to scale, hire, and prepare for a wave of retirements that will reshape the industry. At the same time, firms are struggling to attract women, keep next-gen advisors engaged, and build teams that actually create freedom instead of more work.That's why I wanted to bring Lindsey Lewis on the show. After building a $200M book in her first year at Vanguard, Lindsey shifted her career toward research at The American College so she could help the profession fix its biggest blind spots—especially around women in finance, advisor retention, and the future talent pipeline.We dig into the data shaping the next decade of financial services: what women uniquely bring to advisory firms, why Gen Z is more interested in this profession than any generation before them, and how training, compensation, and career clarity determine whether young advisors stay or disappear.4 of the biggest insights from Lindsey …#1.) The Biggest Talent Gap in Advisor HistoryWe're staring down a generational shift in this profession. Tens of thousands of advisors are aging out. And when you run the math, the industry would need to hire over a million new people just to meet today's demand. Lindsey walks through the data behind this massive workforce gap and why the firms who build real training, career paths, and development now will be miles ahead of everyone else over the next decade.#2.) Women Advisors Are a Huge Missed OpportunityThe numbers don't lie: women make up 25% of CFPs… but only a small fraction are in sales/growth positions. And it's not a talent issue, it's how the industry has shaped roles, pay structures, and expectations over time. Lindsey breaks down why women often outperform in retention, personalization, referrals, and relationship depth, yet get pushed into service tracks or stay risk-averse because of cultural narratives, confidence gaps, or biases inside firms. The upside for the firms who fix this is enormous. Women represent one of the biggest untapped growth engines in financial services.#3.) Gen Z Wants In, But Poor Onboarding Pushes Them OutHere's the part no one expects: financial services is now Gen Z's top-preferred industry over tech and medicine. But at the same time, 1 in 4 early-career advisors say their onboarding wasn't effective — and those are the same people who leave within seven years. Lindsey lays out exactly what this generation needs to stay: mentorship, sponsorship, clear career paths, ongoing education, and roles that evolve with their confidence. If you want a talent pipeline that sticks, it starts with the first 12–18 months.#4.) Compensation Makes or Breaks Your TeamComp plans aren't just about money, they're about psychology. Young advisors need stability before they're ready to take on variable comp. Others crave upside and hate the idea of a flat salary. Lindsey explains the difference between income risk tolerance and income risk capacity, and why misalignment between the person and the pay structure is one of the biggest drivers of turnover. When firms get comp wrong, they churn through talent. When they get it right, people stay, grow, and eventually step into the very roles the industry is desperate to fill. SHOW NOTEShttps://bradleyjohnson.com/145FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP11254981366See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dec 2, 2025 – Market strategist Dr. Ed Yardeni joins FS Insider's Cris Sheridan to discuss his bullish outlook, including a 10,000 target for the S&P 500 by 2029. Yardeni, known for his “Roaring 2020s” thesis, highlights strong economic and...

Everyone loves “free money” until they realize what it actually costs them. In this episode, we break down the silent wealth divide happening in real time and why the next decade will massively reward owners, investors, and creators while leaving everyone else behind. Headlines about new $2,000 stimulus checks and the introduction of 50-year mortgages make it feel like help is on the way, but moves like these quietly inflate the price of everything. They make housing more expensive, savings less valuable, and the wealth gap wider. We talk about how stimulus and easy credit made people feel richer in the moment but slowly eroded their purchasing power. The result is a growing chasm between people who own assets and people who only have income. We unpack why inflation punishes savers, why relying on a paycheck will never beat the speed of rising prices, and how the people who get ahead are the ones who understand leverage, equity, and asymmetric opportunity. Ownership isn't just a financial strategy. It is a survival strategy. We also dive into the mindset shift required to avoid becoming a casualty of the system and instead position yourself on the right side of it. If you feel like you're working harder but not getting ahead, or like the world is getting more expensive while your dollars buy less each year, this episode gives you the clarity you've been missing. The rules have changed. It is time to learn the game. Book your mentorship discovery call with Cory RESOURCES

This is the 250th episode of the Money Meets Medicine podcast! What better way to celebrate than to talk about Jimmy's financial journey over the last 8 years since finishing training.  In this episode, Jimmy shares some of his family's personal financial milestones and some recent financial wins, including a big tax loss harvesting event. Topics discussed on the show:Paying off student loansJimmy's family's Net WorthHighlighting key financial principles like avoiding the Diderot Effect and leveraging compounding interest. The Big Tax Loss Harvesting event involving Bitcoin.Looking to get started on your own bitcoin journey? Download Jimmy's Beginner's Guide to Bitcoin here: https://moneymeetsmedicine.com/bitcoinNeed disability insurance but not sure who to trust? Go with the only disability company that works exclusively with physicians (and has an unexpected denial rate https://moneymeetsmedicine.com/update Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Oh wow, the texts and voice notes between him and his ex are CRAZY AF--- you need to watch this post show... Watch here: ➡️ https://bit.ly/chpostshow

Mastering Profitability and Mindset with Profit Doctor BenIn this episode, host Josh Elledge sits down with Dr. Ben Hansen—widely known as Profit Doctor Ben—to explore how mindset, emotional resilience, and strategic decision-making shape long-term business profitability. Dr. Hansen shares hard-earned lessons from scaling a multimillion-dollar company, experiencing burnout, and later helping hundreds of entrepreneurs break free from revenue-driven overwhelm. His insights reveal why simplifying operations, strengthening your CEO psychology, and eliminating hidden inefficiencies are the real drivers of sustainable profit and long-term freedom.The Psychology Behind Profit and Sustainable Business GrowthDr. Hansen explains that many entrepreneurs unknowingly sabotage their success by tying their identity to revenue, leaving them overwhelmed and burnt out as they chase constant growth. He emphasizes that profitability is rooted in emotional stability and strategic clarity, urging business owners to focus on what truly drives value instead of accumulating more products, services, or responsibilities. This shift in thinking allows leaders to build businesses that support—not drain—their energy, confidence, and long-term goals.He also introduces the concept of “addition by subtraction,” a method where eliminating low-performing offers and inefficient processes leads to higher profit and a calmer operational environment. By cutting what creates complexity, leaders free up resources, reduce team frustration, and strengthen their ability to execute on what matters most. This approach often produces faster financial gains than launching new initiatives, making it one of Dr. Hansen's most reliable strategies for immediate profitability improvements.Finally, Dr. Hansen highlights the importance of diagnosing “profit leaks,” the hidden inefficiencies that quietly drain revenue. With the Profit Leaks Detector tool, founders can quickly locate their top problem areas, address them systematically, and achieve measurable improvements within 90 days. This targeted approach empowers leaders to create momentum without overwhelming operational overhauls.About Dr. Ben HansenDr. Ben Hansen—Profit Doctor Ben—is a seasoned entrepreneur, consultant, and profitability strategist who helps business owners uncover inefficiencies, repair financial drains, and build profitable operations without burnout. Connect with him on LinkedIn: https://www.linkedin.com/in/benhansen/About Profit DoctorProfit Doctor provides diagnostic tools, expert training, and accelerated programs to help entrepreneurs increase net profit quickly and sustainably. Learn more at: http://profitdoctor.comLinks Mentioned in This EpisodeDr. Ben Hansen on LinkedIn: https://www.linkedin.com/in/benhansen/Profit Doctor Website: http://profitdoctor.comKey Episode HighlightsWhy profitability is rooted in mindset, not just mathThe emotional toll of revenue-only thinking“Addition by subtraction” as a fast track to higher profitHow to locate and repair hidden profit leaksBuilding a winning CEO mindset for sustainable successConclusionDr. Ben Hansen's insights reshape how entrepreneurs think about profitability by shifting focus from endless growth to intentional, strategic, sustainable business design. His frameworks empower leaders to eliminate complexity, strengthen confidence, and create businesses that fuel—not drain—their lives. This episode is a...

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn't a badge of honor. It's a warning light. When life feels out of balance, it may be a sign we're pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey's insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey's story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn't. And that's often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you're capable of and what you're carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it's morning. For others, it might be midday or evening.His challenge is simple: Do what you're best at when you're at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don't align with God's call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It's DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God's direction.Living at Your BestCarey's journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey's whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you're an advisor, he'll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today's Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I'll be mostly debt-free, and since longevity doesn't run in my family, I'm wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I'm 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34    01:24  Question 1 Hi Pete and Roger Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much. My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything. I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%. Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension. Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date? My disposable income for whichever option would be around £200 a month. Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore! Thanks again, James   05:33  Question 2 Hi Pete and Roger, I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out. I don't really have a financial related question for you, more some advice... I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best. Sorry for the long email, any advice would be very gratefully received. All the best and keep up the great work Matt and Belle Hart   13:23  Question 3 Hello to Pete and Rog, Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now - thanks to you! I have a question about my pension, is it possible to add too much? My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings. Are there benefits I'm missing of having a larger pot (say £2m)? Not one I need to worry about yet, if at all, but it's always puzzled me! Many thanks for the content, keep up the good work and enjoy the sunshine this weekend! Adam   18:30  Question 4 Hi Pete & Rog, Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends, So my situation is this... 47 years old, married with two kids (11/14). Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k Portfolio was built to provide additional income and to support us in retirement (either the income or by selling) We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!). So our ideal plan is to have the "choice" to semi retire / work as much or little as we want by age 57 - so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle. To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other. So after what must be one of the longest pre-ambles you've ever read here are my question(s): In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances? How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option? In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result? I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience! Keep up the great work guys. Best Regards, Nick 25:15  Question 5 Hello Pete and Roger -I'd like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you . My question is I'm in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style . I may move home next year hence the large cash savings and also because I recently divorced and that's how the settlement added to that figure. It was a coercive relationship and I'm so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married. Should I start a personal pension now so close to retirement if I know I'll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn't I worry? Many thanks for your help. Charlotte. 30:13  Question 6 Dear Pete and Rog, Thank you so much for your incredibly valuable podcast. I've learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like!  I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we're likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I've read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account. Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)? Would doing so resolve the issue of UK IHT exposure on those Situs assets? Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)? Any other tips to look into before making the big move abroad? Thank you very much again for your time, and for all the invaluable information you share! Please keep it going ! Best regards, John  

It's an annual tradition on the More Than Money podcast! Matt joins Art to walk through the Financial State of the Union—what it is, why it matters, and how to use it. Plus, they tackle Janet's question: Is giving less than 10% considered “stealing from God”?Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

#SmallBusiness #RestaurantBusiness #DeliveryApps #BusinessBuying #Entrepreneurship **** This week, I'm diving into a big question: Do delivery apps actually destroy restaurants? If you've ever thought about buying or running a restaurant—or if you already own one—you need to understand how these apps really work. I'll also share real examples, research from The Guardian, and lessons from restaurateurs I've worked with. Want to understand cash flow, margins, and business models like a pro? Check out my Cash Flow Forecasting & Business Plan Program at BizPlanSchool.com .Watch the full video here: https://youtu.be/thouWK5QQpI . #SmallBusiness #RestaurantBusiness #DeliveryApps #UberEats #SkipTheDishes #DoorDash #BusinessBuying #Entrepreneurship #DavidCBarnett **** YouTube Chapters 00:00 – Intro 00:40 – The Restaurant Buyer's Big Assumption 01:30 – Understanding Restaurant Margins 03:00 – How Delivery Apps Make Their Money 04:30 – Why Restaurants Sign Up (and What They Miss) 06:00 – The Old-School Yellow Pages Analogy 07:45 – Where Do the “New Customers” Really Come From? 09:30 – The Shocking Math: 25–40% Commissions 11:00 – The Hidden Costs: Placement, Ads & Fees 12:45 – The Pricing Trap & Menu Margin Squeeze 15:00 – What Happens to Customer Prices 16:30 – Real Data: Guardian & Stanford Studies 18:15 – Who Actually Wins with Delivery Apps? 20:00 – Ghost Kitchens & Smart Operators 21:30 – What Failing Restaurants Miss About Margins 23:00 – How to Use Apps Strategically, Not Destructively 24:30 – Action Plan: What Restaurant Owners Should Do 26:00 – Why “More Sales” Doesn't Mean “More Profit” 27:30 – Learn More: BizPlanSchool.com **** - Join David's email list so you never miss any new videos or important information or insights, RECEIVE 7 FREE GIFTS!!- https://www.DavidCBarnettList.com **** Do Business with David using these incredible internet links... - David's Blog where you can find hundreds of free videos and articles, https://www.DavidCBarnett.com - Book a call with David and let him help you with your project, https://www.CallDavidBarnett.com - Learn how to buy a successful and profitable business in a risk-controlled way https://www.BusinessBuyerAdvantage.com - Get help selling your business, https://www.HowToSellMyOwnBusiness.com - Get better organized in your business, https://www.EasySmallBizSystems.com - Learn to make better cash flow forecasts and write incredibly effective business plans from scratch!, https://www.BizPlanSchool.com - Learn to build an equity asset with insurance! visit https://www.NewBankingSolution.com -Did you sign up for an expensive Merchant Cash Advance for your business and now struggle to make the payments? Find out how you can negotiate your way out at https://www.EndMyMCA.com

In this solo episode of the Stuff About Money podcast, host Erik Garcia, CFP®, ChFC®, BFA™ sits down for a candid one-on-one about goals. Not the shiny, New-Year's-resolution kind, but the messy, honest kind we whisper to ourselves when no one's listening. Erik shares two personal moments that reshaped how he thinks about goal setting, including the year Dr. Matt Morris bluntly told him, “You just made a bad goal,” and the overly ambitious golf objective that nearly convinced him to quit the game altogether. These stories spark a bigger conversation about why we so often overestimate what we can accomplish in the short term and underestimate what we're capable of over the long haul. In the second half of the episode, Erik unpacks a healthier, more realistic framework for pursuing goals — especially financial ones. Instead of obsessing over hitting a number by a certain date, he encourages listeners to think of goals as direction and objectives as the checkpoints that keep them moving forward. Erik explores why grace, awareness, and better-designed goals lead to more progress and less burnout. If this episode resonates with you, share it with someone who needs a fresh perspective on goal setting, and make sure you're following the show for more conversations that help you move toward a wiser, more intentional financial life. Episode Highlights: Erik discusses why traditional goal-setting frameworks and New Year's resolutions aren't the focus, emphasizing the frustration goals often create. (01:10) Erik shares the moment Dr. Matt Morris looked at him and said he had simply made a bad goal, reframing how he viewed falling short. (02:30) A reminder surfaces about how people consistently overestimate short-term capacity and underestimate long-term potential. (04:00) Erik explains why he now treats goals as directions rather than destinations, using the New York-to-England swimming analogy. (05:30) Erik shares how an overly ambitious summer golf goal led to frustration and helped him rethink the difference between goals and objectives. (07:00) Financial goal setting follows the same pattern, as unrealistic expectations often lead to shame, frustration, or giving up entirely. (09:10) Two core takeaways: create better directional goals and recognize the bias of misjudging short- and long-term potential. (10:40) Why having someone walk alongside you, such as a financial planner, helps maintain direction and adjust objectives over time. (11:40) Erik encourages listeners to share the episode and continue reframing their approach to goal setting. (13:40) Key Quotes: “ I've stopped treating goals like a destination, like something I have to reach. Instead, I think of them like a direction.” - Erik Garcia, CFP®, ChFC®, BFA™ “  You're not failing your goals, your goals just might need a reframe. Fix the direction, adjust the objectives, and trust the long-term journey.” - Erik Garcia, CFP®, ChFC®, BFA™ “ Set better goals, not bigger ones, not more detailed ones. Better ones. Goals that orient you long-term, meaningful directional goals, and then backfill that with objectives that guide your ” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

 Before the year wraps up, take advantage of financial strategies that can save money and set you up for success. In this episode, Miguel Gonzalez, CRC, shares 5 important moves to make before December 31st. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients. #Cortburg #yearendchecklist #financialplanning #retirementplanning #smartmoney #FSAtips #taxplanning #budgetreview #financialcheckup #401kcontributions #holidaymoney #wealthbuilding #financialgoals #endofyearmoves #retirementstrategy #moneymoves #CortburgSpeaksRetirement #MiguelXGonzalez #financechecklist #financialhealth Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Most women have no idea whether their portfolio is actually working, and the cost of underperformance is massive.In this episode, I'm breaking down the quiet warning signs that your investments aren't growing the way they should, and the key numbers you must know to protect your long-term wealth. Tune in to learn:The #1 number you must know about your investmentsA shocking stat about ‘expert' managementThe sneaky pattern that leads to lagging investmentsWhat your returns SHOULD be

I am so thrilled to be welcoming Jason Vitug back to the podcast for this episode! As a reminder or in case you didn't hear that episode (if you didn't, I definitely recommend going back and giving it a listen), Jason is an author, entrepreneur, and former credit union executive, and our conversation today focuses on the financial struggles many people are facing due to the rising cost of living and other economic factors. Jason explains how people across the whole country, whether in big cities or small towns, are struggling to make ends meet, impacting their overall well-being and mood. He notes that frugality is making a comeback as people try to stretch their dollars further, but he advocates for a more holistic approach to financial wellness, focusing on maximizing the value of one's time rather than just cutting corners.Our discussion gets into the challenges of affordability, particularly in the housing market, with Jason citing some research that shows that there is actually a surplus of homes available, but many are priced out of reach for younger generations. He is critical of "solutions" like 50-year mortgages, arguing that they may provide short-term relief but don't address the root issues, and, as a business owner and leader, he shares how he has had to make tough decisions to stay true to his values and purpose, even when it meant walking away from some lucrative contracts. He also stresses the importance of leaders aligning their actions with their stated values, as this filters down to impact the entire team.I also share a similar experience of firing a client who was not a good fit, despite the short-term financial impact, and we talk about how removing "dead weight" can actually lead to greater long-term growth and joy by allowing you to focus on your best clients and employees. Our conversation overall highlights the need for both personal and organizational leaders to take a more holistic approach to financial decisions and growth, and Jason offers some great advice for listeners on how to start this journey even when facing significant financial challenges!Time Stamps:[01:52] - Jason introduces himself as an author focused on financial wellbeing as well as a former credit-union exec.[03:10] - Jason explains that people everywhere feel financial strain and are looking for ways to stretch limited income.[06:47] - Jason argues that housing is unaffordable because expensive luxury houses dominate the market despite a surplus of homes.[09:32] - I reflect on growth - our personal and leadership choices often deepen financial pitfalls.[12:17] - Jason stresses intentional growth, noting leaders must prune misaligned pursuits to protect foundations.[15:04] - Hear Jason describe having rejected lucrative clients because their profit-driven values clashed with his purpose.[17:55] - I describe choosing values over income.[21:07] - Aligning decisions with values attracts better clients and eases team stress.[24:55] - Financial freedom enables value-based choices and urges tiny progress toward stability.[27:35] - Jason explains that past mistakes don't define us and urges creating a vision-led financial plan.[29:58] - Jason stresses that owning past financial choices and drafting a plan is si important for change.[32:37] - Jason stresses the importance of building an emergency safety net so that crises don't derail stability.[33:38] - Jason reveals where he can be found online and encourages listeners to grab his books.Resources:The Accidental Leader - Websiteyournarketing.cobo@yourmarketingco.comBo McDonald on LinkedInThe Accidental Leader - “Finding balance in your leadership life with Special Guest: Jason Vitug”Jason Vitug on LinkedInJason Vitug on InstagramJason Vitug - Happy Money Happy Life: A Multidimensional Approach to Health, Wealth, and Financial FreedomJason Vitug - Make Your Money Smile: A Personal Finance How-To Guide to Manage, Earn, Grow, Borrow, and Protect Your WealthJason Vitug - You Only Live Once: The Roadmap to Financial Wellness and a Purposeful LifePhroogal - Website

Benchman Financial's Debt Relief ProgramBecome a supporter of this podcast: https://www.spreaker.com/podcast/darkest-mysteries-online-the-strange-and-unusual-podcast-2025--5684156/support.Darkest Mysteries Online

COVENANT KEYS FOR FINANCIAL DOMINION Preacher: Rev. Dr. Ebenezer Okronipa SCRIPTURES Deuteronomy 8:18 Genesis 26:3–5 Galatians 3:8–9 Jeremiah 33:20–21 Malachi 3:6 Genesis 8:20–22 Luke 6:38 KEY POINTS 1. Understanding the Covenant of Financial Dominion Financial prosperity is not a promise; it is a covenant. God's covenant is unbreakable — as long as day and night remain, His covenant stands (Jer. 33:20–21). Christianity operates by principles, and these principles cannot be violated. 2. God Empowers His People for Wealth

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain II. Purpose of the Interview The interview aims to: Highlight alternative pathways to high-paying careers without a traditional four-year degree. Showcase how UXD Academy, founded by Everett Swain II, empowers individuals—especially from underserved communities—to leverage AI and design skills for financial and academic freedom. Inspire entrepreneurs and small business owners to embrace AI-driven opportunities. Key Takeaways AI as an Opportunity, Not a Threat AI can amplify human capabilities rather than replace them. Small businesses see 80% positive ROI from AI adoption, making it a major growth lever. Career Without a Degree Over 40% of tech companies no longer require degrees, focusing instead on certifications and portfolios. UXD Academy teaches AI experience design and automation for learners as young as 13. Everett’s Journey Started as a graphic designer, pivoted to UX after self-learning via “YouTube University.” Built UXD Academy to democratize access to tech careers and fight industry gatekeeping. Business Model UXD Academy offers free resources and paid guidance. Created Our Table, an AI experience agency employing top students for real-world projects. Impact on Underserved Communities Programs can transform lives, moving individuals from low-income jobs to salaries of $75K–$140K within 3 years. Focus on youth (starting at age 13) to break cycles of poverty and limited exposure. Future AI Trends for Small Businesses AI agents, automated workflows, and AI-powered customer experiences will dominate in the next 12–18 months. Legacy Everett aims to help 100,000 youth create their own reality through tech education. Notable Quotes On AI’s role:“Think of AI as the smartest intern you know—you can train it to work specifically for you.” On education:“You don’t need a degree for what I do. Over 40% of tech companies don’t care about degrees anymore—they care about your portfolio.” On opportunity:“If you follow what I’m telling you, you can change your life in under a year and a half.” On underserved communities:“For the first time in history, people of color can bridge the gap to academic and financial freedom without a four-year degree.” On legacy:“If I can help 100,000 kids create their own reality, that will be my legacy.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain II. Purpose of the Interview The interview aims to: Highlight alternative pathways to high-paying careers without a traditional four-year degree. Showcase how UXD Academy, founded by Everett Swain II, empowers individuals—especially from underserved communities—to leverage AI and design skills for financial and academic freedom. Inspire entrepreneurs and small business owners to embrace AI-driven opportunities. Key Takeaways AI as an Opportunity, Not a Threat AI can amplify human capabilities rather than replace them. Small businesses see 80% positive ROI from AI adoption, making it a major growth lever. Career Without a Degree Over 40% of tech companies no longer require degrees, focusing instead on certifications and portfolios. UXD Academy teaches AI experience design and automation for learners as young as 13. Everett’s Journey Started as a graphic designer, pivoted to UX after self-learning via “YouTube University.” Built UXD Academy to democratize access to tech careers and fight industry gatekeeping. Business Model UXD Academy offers free resources and paid guidance. Created Our Table, an AI experience agency employing top students for real-world projects. Impact on Underserved Communities Programs can transform lives, moving individuals from low-income jobs to salaries of $75K–$140K within 3 years. Focus on youth (starting at age 13) to break cycles of poverty and limited exposure. Future AI Trends for Small Businesses AI agents, automated workflows, and AI-powered customer experiences will dominate in the next 12–18 months. Legacy Everett aims to help 100,000 youth create their own reality through tech education. Notable Quotes On AI’s role:“Think of AI as the smartest intern you know—you can train it to work specifically for you.” On education:“You don’t need a degree for what I do. Over 40% of tech companies don’t care about degrees anymore—they care about your portfolio.” On opportunity:“If you follow what I’m telling you, you can change your life in under a year and a half.” On underserved communities:“For the first time in history, people of color can bridge the gap to academic and financial freedom without a four-year degree.” On legacy:“If I can help 100,000 kids create their own reality, that will be my legacy.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Dec 1, 2025 – As year-end approaches, prioritize Roth conversions before December 31st to capitalize on low tax rates. Complete critical actions like 529 contributions, gifting, RMDs, and charitable distributions by year-end to ensure tax benefits...

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain II. Purpose of the Interview The interview aims to: Highlight alternative pathways to high-paying careers without a traditional four-year degree. Showcase how UXD Academy, founded by Everett Swain II, empowers individuals—especially from underserved communities—to leverage AI and design skills for financial and academic freedom. Inspire entrepreneurs and small business owners to embrace AI-driven opportunities. Key Takeaways AI as an Opportunity, Not a Threat AI can amplify human capabilities rather than replace them. Small businesses see 80% positive ROI from AI adoption, making it a major growth lever. Career Without a Degree Over 40% of tech companies no longer require degrees, focusing instead on certifications and portfolios. UXD Academy teaches AI experience design and automation for learners as young as 13. Everett’s Journey Started as a graphic designer, pivoted to UX after self-learning via “YouTube University.” Built UXD Academy to democratize access to tech careers and fight industry gatekeeping. Business Model UXD Academy offers free resources and paid guidance. Created Our Table, an AI experience agency employing top students for real-world projects. Impact on Underserved Communities Programs can transform lives, moving individuals from low-income jobs to salaries of $75K–$140K within 3 years. Focus on youth (starting at age 13) to break cycles of poverty and limited exposure. Future AI Trends for Small Businesses AI agents, automated workflows, and AI-powered customer experiences will dominate in the next 12–18 months. Legacy Everett aims to help 100,000 youth create their own reality through tech education. Notable Quotes On AI’s role:“Think of AI as the smartest intern you know—you can train it to work specifically for you.” On education:“You don’t need a degree for what I do. Over 40% of tech companies don’t care about degrees anymore—they care about your portfolio.” On opportunity:“If you follow what I’m telling you, you can change your life in under a year and a half.” On underserved communities:“For the first time in history, people of color can bridge the gap to academic and financial freedom without a four-year degree.” On legacy:“If I can help 100,000 kids create their own reality, that will be my legacy.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Have you ever chased success, only to realize it didn't give you the freedom or fulfillment you hoped for? In this transformative episode, host Nicole Jansen sits down with Mark Rampolla - founder of ZICO Coconut Water, co-founder of Groundforce Capital, and author of The Entrepreneur's Guide to Freedom: 7 Steps to Living Beyond Limits. Mark shares a refreshingly honest look at building ZICO from his garage into a global brand which he sold to Coca-Cola for $200 million (before buying it back a few years later) - and the unexpected discovery that financial success alone doesn't guarantee meaning or joy. Together, Nicole and Mark dive into why entrepreneurs become trapped in the pursuit of more, how the success industry subtly shapes our definitions of achievement, and the practical steps to experiencing internal freedom and fulfillment—right now. If you've ever wondered why your wins still feel incomplete, this conversation offers a roadmap for shifting your mindset, avoiding burnout, and leading from a place of clarity and purpose. You'll also hear what investors truly look for in founders and why personal transformation is the hidden engine behind sustainable business growth, even in seasons of loss. What We Discuss in This Episode What does real success look like, and how does your definition evolve as you grow? Why do entrepreneurs remain stuck in the cycle of chasing more, and how does the success industry reinforce it? How can you prevent burnout and create genuine satisfaction while building your business? What are Mark's seven steps to entrepreneurial freedom and fulfillment? How does self-awareness open the door for personal and team transformation? Which inner habits and tools help you navigate challenges and create lasting freedom? What do top investors like Mark value in founders beyond revenue and metrics? How did losing his home in the Palisades wildfire reshape his perspective on what truly matters? Why is self-reflection essential for both business success and personal joy? How can you begin practicing fulfillment, peace, and purpose in your business today? Timestamps & Highlights 00:00 - Why Success Doesn't Equal Fulfillment 04:50 - Be Honest with Yourself 08:12 - How the Success Industry Creates Burnout 09:58 - Success Through Fulfillment and Presence 15:39 - Personal Growth Strategies for Entrepreneurs 17:44 - Shared Freedom and Self-Reflection 20:28 - Escaping the More Mindset 23:32 - Creating Challenges After Retirement 26:18 - Choosing Passion and Purpose 30:59 - Investor Insights: What Founders Must Know 32:54 - How to Lead with Purpose & Clarity 36:25 - Life Lessons from Losing Everything in a Fire 39:50 – Finding Freedom Within 10 Key Takeaways for Finding Freedom & Fulfillment Beyond Money 1. External success doesn't equal inner fulfillment. Financial wins feel good—but they rarely create the deep satisfaction we're truly seeking. 2. The success industry profits from your sense of not enough. Entrepreneurs are constantly sold the belief that the next achievement will finally make them happy. 3. Personal growth is the real engine of business growth. Your company can only expand to the level of your own self-awareness and development. 4. Fulfillment is available in the present moment. Freedom isn't something you achieve later - it's something you cultivate now. 5. Self-awareness creates genuine confidence. Seeing your strengths clearly - and owning your blind spots - accelerates your leadership. 6. Your limiting beliefs are not reality. Challenging your assumptions opens the door to new possibilities and breakthroughs. 7. Burnout undermines your whole ecosystem. Your team and your company feel the impact when you're depleted - renewal is non-negotiable. 8. Coachability and humility matter more than ego. Investors and partners look for leaders who are curious, adaptable, and willing to grow. 9. Loss can become a doorway to freedom. Releasing attachments to things reveals deeper sources of peace and inner security. 10. Lasting success is built on inner transformation. When you evolve on the inside, your relationships, leadership, and business naturally elevate. Favorite Quotes Your business can't grow if you don't. If I can build safety and security within me, without the house—that is liberating and powerful. What annoys us in another is a reflection of what's going on in us. Join Nicole Jansen for this powerful, eye-opening conversation with Mark Rampolla. Discover how to cultivate genuine freedom, fulfillment, and purpose - starting today - from the inside out. Episode Resources: https://leadersoftransformation.com/podcast/business/548-freedom-over-fortune-life-lessons-from-zico-founder-mark-rampolla Check out our complete library of episodes and other leadership resources here: https://leadersoftransformation.com ________

Diddy blasts Netflix after they released a documentary because he claims that they stole footage for the film. Plus, Kaelin gives us the inside scoop on the fiancial agreement between Channing Tatum and Jenna Dewan!See omnystudio.com/listener for privacy information.

The Money Habit on How to Finally Take Control of Your Finances   What if your biggest money problem isn't how much you earn—but how you manage what you already have?   In this week's episode of Richer Soul, bestselling author Mike Michalowicz (Profit First, Clockwork, All In) returns to share insights from his new book, The Money Habit. It's a simple, behavior-based approach to mastering personal finances—no spreadsheets, guilt, or complicated budgets required.   Key Insights from the Conversation:  Making Money Is One Skill—Keeping It Is Another. Most people learn how to earn but never master how to keep money. Mike reminds us that wealth isn't built by income alone—it's built by intentional systems that preserve and direct your money before it slips away. Financial Independence vs. Financial Freedom. Financial freedom is doing what you want, when you want, without worrying about money. Financial independence means having authority over your money—so it no longer controls you. That authority starts with awareness. How Credit Cards and "Points" Hack Our Brains. Credit cards are engineered to make you spend more. Points and perks are psychological triggers that override rational decision-making. Mike shows how to flip the script by setting up commitment devices—systems that protect you from yourself. Build Your Money "Envelopes" at the Bank. Instead of one big account, divide your money into clear purposes—needs, wants, dreams, and slush funds. Label debit cards for each category. When you spend, you'll instantly see whether you're honoring your priorities or drifting off course. Teach by Example. Your kids don't learn about money from what you say—they learn from what you do. Modeling calm, structure, and intentional spending plants lifelong financial wisdom in the next generation.   Money Learning from Mike: We often think more money will solve our problems. It won't. The real transformation happens when we gain authority over what we already have. Whether you earn $50,000 or $500,000 a year, financial independence starts by giving every dollar a job before it leaves your account.   Key Takeaway: Financial peace isn't found in making more—it's found in mastering what you already have. Start small: create one new account for your biggest money worry today, label it clearly, and fund it consistently. Small actions, done repeatedly, become lifelong habits.   Bio: Mike Michalowicz (my-CAL-o-wits) is the entrepreneur behind four multi-million-dollar companies and the author of bestselling business books including Profit First, Clockwork, The Pumpkin Plan, and All In. His newest book, The Money Habit, is a groundbreaking approach to personal finance. The television host of The 4 Minute Money Maker and a former columnist for The Wall Street Journal, Mike now travels the world helping individuals grow thriving businesses and live richer lives.   Links: Facebook: https://www.facebook.com/MikeMichalowiczFanPage/ Instagram: https://www.instagram.com/mikemichalowicz/ LinkedIn: https://www.linkedin.com/in/mikemichalowicz/ YouTube: https://www.youtube.com/c/mikemichalowiczofficial TikTok: Mike Michalowicz https://dontwritethatbookpodcast.com/ https://mikemichalowicz.com/mikespodcast/ https://substack.com/@mikemichalowicz?utm_source=user-menu   Hear the full conversation with Mike Michalowicz on the Richer Soul podcast — where we explore the systems and mindsets that help you live richer in every area of life.   #TheMoneyHabit #MikeMichalowicz #ProfitFirst #FinancialIndependence #WealthBuilding #MoneyMindset #RicherSoulPodcast #RockyLalvani   Watch the full episode on YouTube: https://www.youtube.com/@richersoul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well-being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/   Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes   If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast   Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

This week, Jack Sharry talks with Morgan Bell, Managing Director of Advisory at Constellation Wealth Capital.  Morgan leads the firm's technology consulting efforts and focuses on helping advisors and firms optimize technology for efficiency and growth. As a CFP® with an MBA in financial psychology and behavioral finance, Morgan offers a distinctive perspective that merges technological expertise with a deep grasp of human behavior and the advisor-client relationship. Jack and Morgan discuss the intersection of technology, AI, and financial psychology in wealth management. Morgan shares how technology can be used to drive organic growth, how to cut through the noise of endless vendor options, and why financial psychology remains at the heart of wealth management. From tech roadmaps and data integration to AI strategies and client relationships, Morgan brings her perfect mix of advisor experience, tech expertise, and behavioral finance insights to the conversation. In this episode: (00:00) - Intro (01:42) - What Constellation Wealth Capital does and who they serve (04:49) - How Morgan helps firms optimize technology (07:56) - Bridging the gap between "tech geeks" and "business geeks" (09:28) - How technology connects to organic growth strategies (12:04) - How AI plays a role in wealth management (14:03) - Morgan's career journey (15:34) - The role of financial psychology in client relationships and tech adoption (18:59) - Constellation's future and long-term goals (22:47) - Morgan's key takeaways (24:22) - Morgan's interests outside of work Quotes "The more clarity and understanding firms have around how they should be using a system and why they're using it, and the value it provides to them and the firm, the better adoption they have of the technology overall." ~ Morgan Bell  "The vast majority of the decisions that are being made related to technology tie back to either the client or the advisor experience. That's what fuels organic growth." ~ Morgan Bell  "Firms should strive to use AI to complement, not compete. AI is a skill, so results can certainly be improved based on human knowledge of AI." ~ Morgan Bell Links  Morgan Bell on LinkedIn Constellation Wealth Capital Pershing Creighton University Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

This week on Power House, Diego sits down with Kristen Seifert, President of Finance of America, for a candid and forward-looking conversation about the evolution of reverse mortgages and the growing role home equity plays in retirement planning. Kristen breaks down why reverse mortgages still face widespread misconceptions, how Finance of America is investing in education to change the narrative, and why partnerships and proprietary products are shaping the next chapter of the industry. She also opens up about her personal leadership journey, the importance of mission alignment, and what it means to navigate mergers and acquisitions while scaling responsibly. From growth strategy to women's leadership, from product innovation to industry perception, this episode offers an inside look at the forces redefining reverse lending—and how Finance of America plans to lead the way. Here's a glimpse of what you'll learn: Why mission alignment unlocks innovation and long-term growth How mergers and acquisitions support Finance of America's market strategy Why education remains the strongest tool for combating reverse-mortgage misconceptions The role home equity plays as a retirement-planning pillar How strategic partnerships expand capabilities and reach Kristen's perspective on women in leadership and developing future talent Why personal development fuels professional momentum How reverse mortgages should be integrated into traditional mortgage conversations The rising importance of proprietary products in a competitive landscape Why expanding the market is essential for the future of reverse lending

In this solo episode of the Stuff About Money podcast, host Erik Garcia, CFP®, ChFC®, BFA™ sits down for a candid one-on-one about goals. Not the shiny, New-Year's-resolution kind, but the messy, honest kind we whisper to ourselves when no one's listening. Erik shares two personal moments that reshaped how he thinks about goal setting, including the year Dr. Matt Morris bluntly told him, “You just made a bad goal,” and the overly ambitious golf objective that nearly convinced him to quit the game altogether. These stories spark a bigger conversation about why we so often overestimate what we can accomplish in the short term and underestimate what we're capable of over the long haul. In the second half of the episode, Erik unpacks a healthier, more realistic framework for pursuing goals — especially financial ones. Instead of obsessing over hitting a number by a certain date, he encourages listeners to think of goals as direction and objectives as the checkpoints that keep them moving forward. Erik explores why grace, awareness, and better-designed goals lead to more progress and less burnout. If this episode resonates with you, share it with someone who needs a fresh perspective on goal setting, and make sure you're following the show for more conversations that help you move toward a wiser, more intentional financial life. Episode Highlights: Erik discusses why traditional goal-setting frameworks and New Year's resolutions aren't the focus, emphasizing the frustration goals often create. (01:10) Erik shares the moment Dr. Matt Morris looked at him and said he had simply made a bad goal, reframing how he viewed falling short. (02:30) A reminder surfaces about how people consistently overestimate short-term capacity and underestimate long-term potential. (04:00) Erik explains why he now treats goals as directions rather than destinations, using the New York-to-England swimming analogy. (05:30) Erik shares how an overly ambitious summer golf goal led to frustration and helped him rethink the difference between goals and objectives. (07:00) Financial goal setting follows the same pattern, as unrealistic expectations often lead to shame, frustration, or giving up entirely. (09:10) Two core takeaways: create better directional goals and recognize the bias of misjudging short- and long-term potential. (10:40) Why having someone walk alongside you, such as a financial planner, helps maintain direction and adjust objectives over time. (11:40) Erik encourages listeners to share the episode and continue reframing their approach to goal setting. (13:40) Key Quotes: “ I've stopped treating goals like a destination, like something I have to reach. Instead, I think of them like a direction.” - Erik Garcia, CFP®, ChFC®, BFA™ “  You're not failing your goals, your goals just might need a reframe. Fix the direction, adjust the objectives, and trust the long-term journey.” - Erik Garcia, CFP®, ChFC®, BFA™ “ Set better goals, not bigger ones, not more detailed ones. Better ones. Goals that orient you long-term, meaningful directional goals, and then backfill that with objectives that guide your ” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors 

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Jennifer Gartenberg, Managing Director at Mesirow, joins Jon Hansen on Your Money Matters to discuss donating and charity. From gifting stocks to the tax benefits of gifting, Jennifer and Jon talk about this and more as we wrap up this year in finances. For more information, visit www.mesirow.com.

Krystal and Saagar discuss OpenAI losing money, CIA linked Afghan shoots National Guard in DC, Bibi begs for pardon. Juan David Rojas: https://x.com/rojasrjuand/ Seth Harp: https://www.penguinrandomhouse.com/books/730414/the-fort-bragg-cartel-by-seth-harp/ To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

Episode Summary: In this episode, Sunny Burns shares his journey to financial independence. After leaving a lucrative government job, he discusses the strategic choices that led to his success in real estate, alternative income streams, and how he's living a fulfilled life with his family of seven. Sunny emphasizes the importance of financial education for children and gives practical strategies for similar aspirants. Key Topics & Timestamps: 00:00:00 Introduction Brad introduces Sunny Burns, bringing listeners up to speed on his prior appearances and his financial journey's highlights. 00:01:31 Sunny's Journey to FI Sunny discusses his transition from a mechanical engineer position to achieving financial independence at 35 and living a 'stay-at-home family' dream. 00:06:33 Homeschooling and Financial Education Importance of financial literacy for children. Sunny's approach: establishing Roth IRAs for his kids and using the 'bank of dad' method for teaching savings (1% interest). 00:19:20 The Power of Real Estate Sunny explains the advantages of real estate investments, emphasizing control and cash flow. His success with 11 rental units contributing significantly to his net worth. 00:37:10 Traveling as a Family Insights on funding travel through Airbnb, which allowed Sunny's family to travel while earning more than they spend (e.g., $2,300 made by renting out their house while biking 360 miles). 00:46:37 Maximizing Travel Rewards Discussion on the importance of flexibility in travel plans to maximize travel rewards and points. 00:54:10 Closing Thoughts Emphasis on the joy of being a stay-at-home family and living life on their terms. Key Takeaways: Invest in Financial Education: Teach children about money management early using strategies like the 'bank of dad' method. Optimize Income Streams: Consider renting out your home (e.g., through Airbnb) while traveling to subsidize travel expenses. Real Estate as a Viable Investment: Maintain control over personal finances through rental properties which can produce consistent income. Flexibility Equals Opportunity: Travel smartly—being flexible can maximize travel rewards and opportunities. Actionable Steps: 00:07:28 Implement a savings incentive model like the 'bank of dad.' 00:38:44 Explore renting out your home on Airbnb as a potential income source while traveling. 00:20:31 Look into real estate investment as a means to create a steady stream of passive income. Key Quotes: "Achieving financial independence means spending quality time with family." - Sunny Burns [Timestamp: 00:53:37] "Turn your home into a source of income while traveling." - Sunny Burns [Timestamp: 00:38:44] "Financial education starts early; equip your kids with Roth IRAs." - Sunny Burns [Timestamp: 00:07:26] Resources: Sunny's Site - Wealth-building resources. YouTube Channel - Family financial education insights. Airbnb Listing - Look into Sunny's rental for travel information. Discussion Questions: What financial independence lessons resonated most with you from Sunny's journey? [Timestamp: 00:54:54] How can we better involve our children in financial education? [Timestamp: 00:07:26] What are your thoughts on using Airbnb as a funding strategy for travel? [Timestamp: 00:38:44]

Worried you'll never be able to buy rental properties because you're “bad” with money? Today's guest was in the same boat until a much-needed mindset shift set her on the path towards financial freedom. Since then, she has built a debt-free, 45-property portfolio that gives her more than enough cash flow to live on! Welcome back to the Real Estate Rookie podcast! Liz Carroll didn't always have a healthy relationship with money. In college, she would ask her parents to bail her out of credit card debt and have her fiancé cover her car repairs. But one day, something clicked, and Liz realized she needed to take back control of her money. Her ultimate goal? Financial independence—and real estate investing would be how she achieved it. But rather than overleveraging herself, Liz worked hard, saved, and bought properties with minimal debt—paying them off as soon as possible! In this episode, Liz breaks down her very first deal, a $13,000 property (really!) that gave her the confidence to scale her real estate portfolio. She also talks about niching down and the exit strategy that's allowing her to offload her properties, one by one, while helping her tenants achieve the dream of homeownership! In This Episode We Cover How Liz and her husband built a portfolio of paid-off rental properties Building and scaling a rental portfolio while working nine to five How to reframe the way you think about money so you can start investing Paying off your mortgage (early) to fast-track your investing goals Why living below your means is a non-negotiable for financial freedom Streamlining your business by refining your buy box and niching down And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-647 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover why real estate sellers are changing their minds.   Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

 What I'm gonna share with you today is a live role-play from our Sales Director, AP, from a recent Black Friday webinar we did. We had one of our attendees, Caitlyn, ask a question about how to structure Black Friday offers when clients have payment objections. And rather than me just coaching on it, I was like, 'AP, do you just want to role-play this with her live?' And what you're about to hear is a masterclass on how to handle the situation when somebody says, 'I can't afford it.' Now, here's the context: The biggest mistake most coaches make when presenting price is they just say, 'Hey, here's the paid-in-full price' or 'If you do a payment plan, here's what it looks like.' That's a terrible way to do it because it leaves all your negotiating ability off the table. When AP came in and changed our sales process to use this new framework, our cash collection rate went from 30% to 70%. And why does that matter? Well, A: cash fuels the business to grow. But B: and this is the more important part, the more cash you collect on a deal, the more sticky it is. Meaning the more likely it is that the person is actually going to take action, follow through on their commitments, stick through the remainder of the program, and ultimately get results. So pay attention to how AP isolates objections, uses tie-downs, and specifically the final question he asks before ever presenting a payment option.   Time Stamps:   (0:20) Recent IFCA Sales Roleplay Call (2:40) Handling Price Objections (9:00) Breaking Down The Nuances ----------

To celebrate 500 episodes of the Financial Freedom with Real Estate Podcast, Michael flips the script and answers your biggest questions. Listeners submitted their favorite episodes plus their most burning questions about scaling, quitting a W-2, raising capital, working with brokers, avoiding bad deals, parenting, mindset, and even… Michael's net worth. This special episode is packed with hard-earned wisdom from a decade of podcasting and real-world investing experience.Key Takeaways: Time is not the real barrier — priority is. With 5 focused hours a week, you can build a multimillion-dollar real estate business on the side. When to quit your W-2? It's personal. Burn-the-boats works for some, but most people exit when acquisition fees and deal income create a meaningful financial runway. Comfort zone determines whether you buy a duplex or a 50-unit. Touring larger properties stretches your perceived limits instantly. Raising capital is easier than you think. Engineers, introverts, and first-timers routinely raise $500K–$750K within 60 days with the right playbook. You don't need to raise all the money yourself. Capital raisers and deal finders are natural partners — leverage ecosystems and joint ventures. How to stand out to brokers: Build a team first, stop using newbie language, stay responsive, and meet them in person. Know when to walk away from a deal: Sometimes you should — sometimes you shouldn't. Experienced mentors help you see the difference. Focus on passive income, not net worth. Financial freedom is when passive income exceeds living expenses. Most valuable life lesson for his kids: Live intentionally. Not defaulting into a career or life path. Success is less about outcomes and more about who you become. Mindset, peace, and character matter more than money. Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)Schedule a Free Strategy Session with Michael's Team of AdvisorsExplore Michael's Mentoring ProgramJoin the Nighthawk Equity Investor ClubReview the Podcast on Apple PodcastsSyndicated Deal AnalyzerGet the Book, Financial Freedom with Real Estate Investing by Michael Blank For full episode show notes visit:...