Podcasts about financial

We've never done an episode quite like this before. We sat down with writer and creative Allie Carr—twice. In October 2025, she was just beginning to emerge from a really difficult chapter. When we spoke again in February 2026, her spark for life was fully back, and the seeds she had planted were unfolding in real time. In the months between, Allie moved through a Saturn return, career pivots, financial uncertainty, and a deep shedding of who she used to be. What looked like falling apart was actually falling into place. This conversation is a reminder that manifestation often has a full arc: the breakdown, the becoming, and the moment it all clicks. If you're in your own hard season right now, this episode is your life raft. Want to see where her journey began? Watch her original episode on our YouTube channel.    Find the complete show notes here -> https://tobemagnetic.com/expanded-podcast   Resources:  Virtual NYC Speaking Tour + New DI & Journal Prompts Missed the speaking tour? We're bringing our NYC conversation straight to your screen—featuring an intimate dialogue with Lacy, Jessica, Jenna Zoë, and Elizabeth Orrigo, plus the Purpose & Soul Essence Deep Imagining and guided journal prompts.   Manifested during the Return to Magic Challenge? Take our Survey to share your thoughts!   Join the Pathway Membership Use code EXPANDED for 20% off your first month! The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential. LEARN MORE HERE   Get the latest from TBM Join the Pathway now - Return to Magic Challenge available now!   New to TBM? Free Offerings to Get You Started Learn the Process! Expanded Podcast - How to Manifest Anything You Desire  Get Expanded! The Motivation - Testimonial Library Ready to find out what's holding you back? Try our Free Clarity Exercise   Be an EXPANDER! Share Your Manifestation Story Submit to Be a Process Guest What did you manifest during the Return to Magic Challenge? Share a voice note of your question, block, or Process to be featured in an episode!   This Episode Is Brought to You By:  ARMRA - Get 30% off your first subscription order with code TBM  Colostrum: Immune Revival - Immune barrier superfood    Cozy Earth - go to cozyearth.com use code TBM for up to 20% off.  Women's Plush Lounge Quarter Sock Bamboo Viscose Comforter   In this episode we talk about: Navigating a Saturn return and the deep identity shifts it brings Leaving corporate life and the emotional reality of freelancing Financial fear, unexpected taxes, and learning to trust the process How confrontation and difficult conversations create growth Facing family challenges and first experiences with grief and loss Understanding blocks and protector parts through parts work and IFS The power of naming fear without becoming identified with it Daily meditation and silence as tools for reconnecting to the true self Why joy and nervous system regulation are essential for manifestation Learning to feel difficult emotions rather than strategizing around them Letting go of control and cultivating trust in the universe Removing success, clients, and achievements from the pedestal Treating the work directly in front of you as the most important opportunity How art and creativity become portals back to authenticity Creating purely for expression rather than validation or optimization   Mentioned In the Episode:  Expanded x Ep. 280 Double Your Income, Jump Off The Corporate Cliff, and Create Your Dream Career: The Process with Allie Carr Find our Return to Magic Challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Worst Case Scenario DI, Inner Child DI, and the NYC Speaking Tour Session)   Connect with Allie! Get into Allie's spirituality meme account Book a 1-on-1 session with Allie! Check out Allie's substack HOW TO MANIFEST by Lacy Phillips (with exercises by Jessica Gill)Available now! The Expanded Podcast, from To Be Magnetic™ (TBM), is the leading manifestation podcast rooted in neuroscience, psychology, and energetics. Hosted by TBM's Chief Content Officer Jessica Gill, with monthly appearances from founder Lacy Phillips, Expanded is where science and the mystical meet to help you manifest in the most grounded, practical, and life-changing way.At TBM, we've redefined manifestation through Neural Manifestation™—our proven, science-backed method developed with neuroscientist Dr. Tara Swart. This process helps you reprogram limiting beliefs at the subconscious level so you can create the life most aligned with your authenticity.Each week, we take you inside the TBM practice to help you expand your subconscious to believe what you desire is possible. Through expert interviews, thought leader conversations, TBM teachings, and real member success stories, you'll learn how to: – Rewire your subconscious mind and step into your worth – Heal your inner child and integrate shadow work – Set boundaries, strengthen intuition, and reclaim self-worth – Manifest relationships, careers, abundance, and experiences that align with your true selfWith over than 40 million downloads and a global community in over 100 countries, Expanded has become the gold standard in manifestation content. Think of it as your weekly practice for expanding your mind, believing what you want is possible, and manifesting the life you're meant to live.Past guests include leading voices such as Mel Robbins, Lewis Howes, Jenna Zoe, Martha Beck, Dr. Joe Dispenza, Dr. Gabor Maté, Mark Groves, and Brianna Wiest. Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

This episode was originally aired on May 16th, 2023.This episode is all about the Benjamins, baby! Financial expert and social media creator Vivian Tu (aka Your Rich BFF) joins the podcast to drop some serious knowledge and Ku and Su are taking notes. They discuss financial literacy, fake lashes and flying first class in an episode that asks the crucial question, “what's in it for me?” Like the gift bag at a gala, their discussion is full of stuff you won't want to miss out on. Please note, Add To Cart contains mature themes and may not be appropriate for all listeners. To see all products mentioned in this episode, head to @addtocartpod on Instagram. To purchase any of the products, see below. Vivian never misses an appointment with her lash guy Primp DaddyEsponJabón is a bar of soap inside of sponge, great for clearing up KP Vivian's podcast Networth and Chill is like talking to your friends about finances over mimosas Tractor Beverage tastes good and does good. Find Tractor craft refreshers, sodas, teas, and lemonades at a restaurant near youStay up to date with us on Twitter, Facebook, and Instagram at @LemonadaMedia. Joining Lemonada Premium is a great way to support our show and get bonus content. Subscribe today at bit.ly/lemonadapremium. Click this link for a list of current sponsors and discount codes for this show and all Lemonada shows: lemonadamedia.com/sponsorsSee omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

MacroVoices Erik Townsend & Patrick Ceresna welcome, Jim Bianco & Dr. Anas Alhajji. They will discuss everything from the geopolitical situation in Iran to oil prices to precious metals, and much more. https://bit.ly/40MGTyt    

Some episodes start with a plan.This one absolutely did not.In this episode of The Sesh, Brandon and Jesse light up a bowl of E85 and end up going everywhere. Money stress, bad jobs, business lessons, friendships, pain relief, and the strange way cannabis turns random conversations into meaningful ones.Along the way they break down the strain they're smoking, share a simple cannabis pain balm recipe, and get into a surprisingly deep conversation about trust, relationships, and why most successful businesses run on one thing: people.Sometimes the best conversations are the ones you never planned to have.And cannabis has a funny way of opening those doors.WHAT WE TALK ABOUT• The strain E85 and why it hits like a gassy, happy hybrid• Wedding Cake lineage and how it shapes the experience• Why joints still feel different from vapes and dabs• The communal ritual of passing a joint• Financial stress and digging out of debt• Learning business through failure• Why relationship-based sales beats transactional sales• The idea of “orbit building” and networking through trust• How friendships become the most valuable currency in life• Making a simple cannabis pain balm at home• Why cannabis keeps bringing people togetherSTRAIN REVIEWStrain: E85Genetics: Wedding Cake × Project 5146Type: HybridFlavor ProfileGassySweetCreamyReported EffectsHappyRelaxedSocialUpliftedWhy it stood out in this episode:E85 starts with a noticeable gassy kick but settles into a smooth, happy high that keeps the conversation flowing. It's the kind of strain that doesn't overpower the room but quietly elevates everything happening in it.Perfect for long conversations and passing around a bowl with friends.CANNABINOIDS DISCUSSEDTHCCBDCBGCBCThe presence of multiple cannabinoids in this flower created a balanced experience with less coughing and a smoother overall effect.BRANDONS PAIN BALMCannabis Pain Relief Balm (4 oz Jar)Cannabis InfusionIngredients1/8 oz decarbed cannabis flower2 tbsp shea butterInstructionsDecarb cannabis at 240°F for 35–40 minutes.Combine decarbed cannabis with shea butter.Heat gently at about 170°F for 2 hours, stirring occasionally.Strain out the plant material using cheesecloth or a fine strainer.Set aside the infused shea butter.Pain Balm Ingredients (per 4 oz jar)2 tbsp cannabis-infused shea butter1.5 tbsp tallow2 tbsp MCT oil3/4 tsp arrowroot powder1/2 tsp vitamin E oil1/4 tsp menthol crystals10–12 drops peppermint oilMethodMelt infused shea butter and tallow gently over low heat.Remove from heat and stir in MCT oil.Add menthol crystals and stir until dissolved.Place mixture in the fridge for 10–15 minutes until it thickens to a pudding consistency.Mix arrowroot powder with a small amount of MCT oil to form a slurry, then stir into the mixture.Add vitamin E oil and peppermint oil.Blend with an immersion whisk for 20–30 seconds. Do not whip air into it. (unless you want a lighter fluffier texture)Pour into a jar.Tap jar lightly on the counter to remove air pockets.Let set for 30–60 minutes.If you enjoy conversations like this, make sure to follow Cannabis School on your favorite platform and share this episode with someone who loves real conversations.Keep the Mic on.Fuel the movement. Keep the conversation going.We keep a running list of tools and brands we personally enjoy and actually use.Find everything in one place here:

Newer isn't always better. There are a lot of new financial technology companies out there with impressive tech stacks and features to help you... but I usually don't recommend them. Tune into this episode to learn the risks of working with (some types of) fintech startups.To book a FREE breakthrough session, visit https://pacesetterplanning.com/contact

Financial freedom can feel out of reach when you rely on willpower alone. Without a solid financial structure, daily life can disrupt budgeting, saving, and spending plans, trapping you in cycles of overspending and debt. In the second episode of The Money Reset series presented by Experian, Hala Taha shares simple tools and habits that you can implement today to take control of your finances. With insights from experts like James Clear, Jade Warshaw, and Morgan Housel, you'll learn how to build sustainable financial systems that help you create long-term wealth, even when life gets chaotic. In this episode, Hala will discuss: (00:00) Introduction (01:45) Why Financial Habits Beat Willpower Every Time (05:40) Systems vs Goals in Personal Finance (07:25) Loud Budgeting and Money Boundaries (11:18) Tiffany Aliche's Baby Budget Account System (14:46) Designing Friction to Kill Bad Spending Habits (17:19) Ramit Sethi's Conscious Spending Plan  (19:09) Frugality as a Wealth-Building Strategy Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E265 with James Clear: youngandprofiting.co/4j4khkC  YAP E266 with Morgan Housel: youngandprofiting.co/4147SpO  YAP E380 with Jade Warshaw: youngandprofiting.co/JWE380  YAP E259 with Tiffany Aliche: youngandprofiting.co/TAE259  YAP E220 with Ramit Sethi: youngandprofiting.co/E220   YAP E367 with Scott Trench: youngandprofiting.co/STE367  The Money Reset Series E1: youngandprofiting.co/TMRSEP1  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support  our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast

Send a textNobody likes talking about life insurance. It's boring, uncomfortable, and forces you to think about worst-case scenarios. That's exactly why most people avoid it.Aaron breaks down why financial preparedness is just as important as physical preparedness, especially for people in high-risk professions like the military. Too many service members focus on gear, training, or short-term spending while completely ignoring the basic responsibility of protecting their family.This episode is a blunt conversation about maturity, priorities, and why avoiding difficult conversations about money and insurance doesn't make the problem go away. Aaron explains why planning ahead isn't pessimistic—it's part of being a responsible adult and a reliable teammate.If you're serious about building a stable future, this is one of the most important conversations you probably haven't had yet.⏱️ Timestamps00:00 Ones Ready intro 01:05 Why people avoid talking about life insurance 03:40 Financial responsibility in the military 06:20 Why young service members ignore long-term planning 09:10 Protecting your family vs chasing short-term spending 12:00 Hard conversations about risk and responsibility 15:30 Financial preparedness as part of adulthood 18:10 Final thoughts on planning ahead

Discover why inflation is moderating and why it matters. 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 membership 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.)  

In this 10th episode, Connor Boyack discusses the Libertas Network, a nonprofit dedicated to teaching families and children about freedom, entrepreneurship, and critical thinking. He explains that the organization uses practical initiatives like the Tuttle Twins book series and Children's Entrepreneur Markets to provide real-world financial literacy that is often missing from the public school system. Boyack argues that the current educational and political structures are failing, leading to a decline in historical knowledge and an increase in government dependency. To combat this, the network acquired Praxis, a professional boot camp designed as an alternative to the high costs and perceived indoctrination of traditional college. Ultimately, Boyack emphasizes that strengthening the family unit and fostering independent thought are the most effective ways to preserve liberty and rebuild the social fabric. He encourages parents to take an active role in their children's education to ensure they can navigate a complex psychological and economic landscape. https://connorboyack.com/ https://www.kidsmarkets.com/ https://joinpraxis.com/ https://libertas.org/ #TuttleTwins #LibertasNetwork #Entrepreneurship #FinancialLiteracy #KidsMarkets #CriticalThinking #Practis #AmericanHistory #Freedom #FamilyValues #Americana #SocialFabric Key Takeaways: 0:00 Introducing Libertas 7:37  Financial illiteracy and how we got here 10:39 Critical thinking and memory holes and the abandoned mind 16:26 Social Media, Mockingbird and the battlefield of the mind 22:50 Tuttle Twins and Praxis  27:33 Political theater and the coming chaos    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Mar 10, 2026 – After oil spiked near $120 this week, prices tumbled following President Trump's bold claim that the conflict is nearing its end. Yet, with conflicting reports and fresh news of potential Iranian mining operations, the Strait of Hormuz...

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Zach Lemaster.In this episode, we sit down with Dr. Jim Dahle, practicing emergency physician, Air Force veteran, and founder of The White Coat Investor — one of the most trusted financial education platforms for physicians and high-income professionals.Dr. Dahle shares his journey from being frustrated with financial advisors to building a massive community that helps doctors and professionals avoid costly financial mistakes.We dive into real estate investing, financial independence, tax strategies, and how high-income earners can build long-term wealth while avoiding lifestyle inflation.Whether you're a physician, entrepreneur, or investor, this conversation is packed with practical insights to help you design a smarter financial strategy and achieve long-term financial freedom.Key Topics Covered⏱ Timestamps00:00 – Introduction to Dr. Jim Dahle and The White Coat Investor01:29 – Why Dr. Dahle started educating physicians about money05:10 – The truth about financial advisors and conflicts of interest08:16 – DIY investors vs delegators vs validators11:47 – Financial independence and working part-time in medicine17:20 – Dr. Dahle's investment strategy (stocks, bonds, and real estate)21:33 – Why real estate is a powerful asset class25:50 – Tax advantages of real estate investing30:30 – Why owning just one rental property can be painful33:20 – Scaling a real estate portfolio the right way37:43 – When managing rentals is worth your time (and when it's not)45:27 – The first financial step new professionals should take47:41 – Paying off debt vs investing: which is better?49:08 – The biggest financial mistake high earners make51:03 – How AI may impact high-income professions53:27 – Advice for students and future professionals55:17 – Final investing advice from Dr. Dahle

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-scaling-to-8-figure-annuity-production-without-burning-out

Dr. Sharon Elefant, Founder & CEO of The Nonprofit Plug, shares her journey from healthcare administration to nonprofit leadership, emphasizing the importance of management skills for nonprofit success. She discusses the complexities of addressing homelessness and mental health issues. Dr. Elefant also highlights her favorite nonprofit causes and offers valuable resources for those looking to make a difference in their communities.Nonprofit Strategist • Educator • Community AdvocateDr. Sharon R. Elefant is a nationally recognized nonprofit strategist, educator, and community advocate dedicated to helping mission-driven leaders turn bold ideas into sustainable, fundable organizations.As the Founder and CEO of The Nonprofit Plug, Dr. Elefant has supported more than 1,000 nonprofit leaders, helped launch and scale over 500 nonprofit organizations, maintained a 100%IRS approval rate, stewarded over $5 million in nonprofit assets, and supported organizations that have collectively secured more than $15 million in funding. At the core of her work is a simple belief: good intentions deserve strong infrastructure.What The Nonprofit Plug DoesUnder Dr. Elefant's leadership, The Nonprofit Plug provides end-to-end nonprofit support, including:● Nonprofit formation & IRS compliance (501(c)(3), 501(c)(6), and beyond)● Grant strategy, grant writing, and funding pipelines● Donor cultivation, contribution tracking, and fundraising systems● Financial management, bookkeeping, and compliance readiness● Strategic planning, program design, and impact measurement● Board development, governance training, and leadership coaching● Fiscal sponsorship education and alternative impact modelsA Global Perspective on Social ImpactDr. Elefant serves as an international advisor to nonprofits across sectors including housing and homelessness prevention, youth development, mental health access, animal welfare, veteran services, workforce development, financial literacy, and community wellness. Her work spans local grassroots startups to established organizations preparing for multi-year funding and national growth. She is widely respected for her ability to build bridges between nonprofits, funders, and community partners, aligning mission with measurable outcomes and long-term financial health.Educator, Speaker, and MentorIn addition to her consulting work, Dr. Elefant is an adjunct faculty member teaching undergraduate and graduate courses in nonprofit management, health administration, financial management, and program planning. She has facilitated workshops, bootcamps, and training events for hundreds of nonprofit founders and leaders, breaking down complex topics like grants, compliance, and finances into practical, empowering guidance.She is a frequent podcast guest, keynote speaker, and panelist, known for her candid, accessible style and her ability to demystify the nonprofit world while challenging outdated narratives about funding, sustainability, and leadership.Veteran Advocacy & LeadershipPreviously serving as Director of Veteran Outreach & Community Development with Team AMVETS, Dr. Elefant led major partnership and fundraising initiatives, helping double annual donations to nearly $1 million and expand veteran support programming nationwide.Academic & Global ExperienceDr. Elefant holds a Doctorate from Central Michigan University, with academic training in health management and public policy. Her global experience includes setting up rural health clinics in Belize, participating in international public health conferences, and engaging in United Nations seminars abroad. Her doctoral research focused on innovation theory and global systems change, further shaping her strategic lens.Get In Touch With Dr. Sharon Elefant:WEBSITE / SOCIAL :http://www.thenonprofitplug.com/ @thenonprofitplug on most Social platforms.‍ ‍

In this episode, Danielle Putnam, CEO of The New Flat Rate, breaks down how to build a financial team that actually drives growth for your contracting business. From hiring the right CPA, bookkeeper, and financial advisor to implementing systems for cash flow, budgeting, and profit management, Danielle explains how strategic financial planning can turn numbers into smarter decisions and bigger profits. Whether you're just starting out or running a multi-million-dollar operation, this episode will give you actionable steps to create a solid financial foundation, make your money work for you, and set your business up for long-term success.Links and Resources-Website: ⁠https://thenewflatrate.com/⁠Get Demo: ⁠https://thenewflatrate.com/demo?hsCtaAttrib=192034463396⁠Instagram: ⁠⁠⁠https://www.instagram.com/thenewflatrate⁠⁠⁠Facebook: ⁠https://www.facebook.com/TheNewFlatRate⁠⁠⁠LinkedIn: ⁠https://www.linkedin.com/company/the-new-flat-rate-inc-/posts/?feedView=all⁠⁠⁠YouTube: ⁠https://www.youtube.com/@NewFlatRate⁠Episode Show Notes:00:00 Intro00:36 Building a Strong Financial Team to Grow Your Business02:25 The Financial Team You Actually Need05:23 Your Financial Foundation06:50 Systems That Actually Work 08:42 Making Your Money Work For You 10:43 Your Action Plan 11:25 Outro

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Zach Lemaster.In this episode, we sit down with Dr. Jim Dahle, practicing emergency physician, Air Force veteran, and founder of The White Coat Investor — one of the most trusted financial education platforms for physicians and high-income professionals.Dr. Dahle shares his journey from being frustrated with financial advisors to building a massive community that helps doctors and professionals avoid costly financial mistakes.We dive into real estate investing, financial independence, tax strategies, and how high-income earners can build long-term wealth while avoiding lifestyle inflation.Whether you're a physician, entrepreneur, or investor, this conversation is packed with practical insights to help you design a smarter financial strategy and achieve long-term financial freedom.Key Topics Covered⏱ Timestamps00:00 – Introduction to Dr. Jim Dahle and The White Coat Investor01:29 – Why Dr. Dahle started educating physicians about money05:10 – The truth about financial advisors and conflicts of interest08:16 – DIY investors vs delegators vs validators11:47 – Financial independence and working part-time in medicine17:20 – Dr. Dahle's investment strategy (stocks, bonds, and real estate)21:33 – Why real estate is a powerful asset class25:50 – Tax advantages of real estate investing30:30 – Why owning just one rental property can be painful33:20 – Scaling a real estate portfolio the right way37:43 – When managing rentals is worth your time (and when it's not)45:27 – The first financial step new professionals should take47:41 – Paying off debt vs investing: which is better?49:08 – The biggest financial mistake high earners make51:03 – How AI may impact high-income professions53:27 – Advice for students and future professionals55:17 – Final investing advice from Dr. Dahle

With another unfunded pay rise on the horizon and school leaders saying they are running out of things to cut back on, are schools actually at breaking point now?Book a free demo for MathsZoo now and see how we can help your school smash maths! www.mathszoo.orgJoin our free WhatsApp community for Q&A submissions, polls on future episodes & links to the podcast first: https://chat.whatsapp.com/HB7n1PNGdGL5STACssEH1sLeave us a review and share this episode with someone you think might enjoy it! It really helps us out.Follow us on Instagram: www.instagram.com/teachsleeprepeatpodcastFollow us on TikTok: www.tiktok.com/teachsleeprepeatpodcast

What does your circle actually look like? Who is your community? Candace and Madi talk about the loneliness of post-college life, navigating new seasons as a wife and mom, and share the real challenges of finding and keeping the right people around you. Candace and Madi open up about moments when the people they chose to spend time with led them in the wrong direction, and the friends who pointed them back toward Jesus. Madi shares a vulnerable story about a night that went sideways and what it taught her about the power of peer influence. Candace reflects on the crazy underground Hollywood party she and Val stumbled into, and the lifelong friend who sat her down and asked the question that changed her trajectory: 'How is your walk with God? They explore what it looks like to build community in every season, whether you are newly single after college, settling into marriage, raising littles, or starting fresh in a brand new city. Candace reminds listeners that online community counts, that technology makes it possible to have deep friendships across the miles, and that you are never too old to make new friends. (Her dad at 82 proves it in the most adorable story you will hear today. They close the episode by tackling a listener question about what to do when a close friend isn't willing to forgive and make up. Their answer is full of grace, honesty, and hope for anyone carrying the weight of a broken relationship. Connect with Candace and Madison Candace on Instagram @candacecbure  Follow the Podcast on Instagram @candacecameronburepodcast  Follow the Podcast on TikTok @ccbpodcast Follow Madison Prewett Troutt on Instagram: @madiprew Website: https://www.madiprew.com/ YouTube:@madiprewett2381 Sponsors For This Episode Vanman https://vanman.shop/?discount=BURE - use code BURE for 15% off IFCJ ifcj.org GCU  https://gcu.edu MASA CHIPS https://www.masachips.com/ 316 Financial https://bank316.com/candace Learn more about your ad choices. Visit megaphone.fm/adchoices

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Mar 10, 2026 – While President Trump declares the mission accomplished, geopolitical strategist Christian Takushi warns the real conflict is only beginning. In this explosive episode, we peel back the curtain on the "Strategic Sabotage" of 2026...

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-why-top-annuity-producers-outgrow-big-box-imos

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-from-annuity-producer-to-recognized-retirement-expert

Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice.Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier.Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-building-a-family-centered-high-performance-advisor-community

Amicable divorce, divorce recovery, and real support for single parents — this episode explores how to navigate divorce with dignity and community.In this powerful conversation on Doing Divorce Different, Lesa Koski sits down with Joy Reed, co-founder of the National Association for Single & Divorced Families (NASDF), to discuss what an amicable divorce really looks like — and why divorce recovery requires more than just legal paperwork.Joy shares her deeply personal story of navigating an amicable divorce, the unexpected grief that followed, and how that journey led her to help build the National Association for Single & Divorced Families. Together, they explore how divorce can be handled with respect, how identity shifts after separation, and why community support is essential during divorce recovery.This episode dives into:What makes an amicable divorce possibleThe grief of divorce (even when it's peaceful)Divorce identity loss and rebuildingResources for single parents and divorced familiesWhy divorce recovery needs financial, mental health, and childcare supportIf you're navigating divorce, considering divorce, or supporting someone through divorce recovery, this conversation will remind you that divorce doesn't have to be a war — and you don't have to do it alone.Timestamps:(00:00) Introduction to amicable divorce and today's guest(03:12) Joy's story of an amicable divorce and staying connected(08:45) The grief of divorce — identity loss and emotional waves(14:20) Divorce recovery and losing your “role” in marriage(19:05) The founding of the National Association for Single & Divorced Families(24:40) The lack of divorce support resources beyond lawyers(29:15) Mediation vs. litigation and accessible divorce options(34:50) Financial strain of divorce and support for single parents(40:10) Building a national support network for divorced families(46:05) Why community is essential during divorce recovery(49:20) Final thoughts on service, dignity, and doing divorce differentlyKey Takeaways:Divorce can be amicable — but grief still comes in waves.Identity loss is one of the hardest parts of divorce recovery.Accessible mediation and resources reduce long-term emotional damage.Single parents and divorced families need financial, mental health, and childcare support.Community and service are powerful tools for healing after divorce.Guest Bio:Joy Reed is the co-founder of the National Association for Single & Divorced Families (NASDF), a national organization dedicated to supporting single parents and families navigating divorce recovery. With a passion for service and community impact, Joy helps connect divorced and single families with resources including mediation access, financial guidance, childcare support, and mental health services. Her mission is to make divorce recovery more accessible, less isolating, and more dignified for families nationwide.Resource Links:National Association for Single & Divorced Families (NASDF): https://www.nasdf.org/aboutLearn more about Doing Divorce Different:https://lesakoski.comTags/Keywords:amicable divorce, divorce recovery, National Association for Single and Divorced Families, NASDF, divorce support, single parent resources, mediation vs litigation, divorce grief, co-parenting after divorce, divorce identity loss, healthy divorce, divorce podcast, doing divorce different, divorce without fighting, divorce community support, single mom resources, single dad resources, divorce advice, peaceful divorce

What if the biggest challenge facing the mortgage industry isn't rates, guidelines, or loan products—but trust?In this episode of Laugh, Lend & Eat, Fobby Naghmi sits down with Kristin Messerli, Executive Director of FirstHome IQ, to unpack the growing trust and knowledge gap between the mortgage industry and the next generation of homebuyers.Drawing from the FirstHome IQ Impact Report, Kristin shares eye-opening research about how Millennials and Gen Z approach homeownership—and why many are delaying one of the most important financial decisions of their lives.The conversation explores why today's buyers feel overwhelmed by financial information, why so few trust industry professionals to guide them, and why the future of mortgage professionals may depend less on selling loans and more on educating and advocating for consumers.They also discuss Kristin's work bringing mortgage professionals to Washington through industry advocacy efforts, and why loan officers may play a critical role in shaping housing policy and rebuilding confidence in homeownership.If the industry wants to reach the next generation of buyers, it may need to rethink what it means to be a trusted advisor.In This EpisodeWhy the mortgage industry is facing a growing trust crisisThe surprising financial literacy gap among younger buyersWhy information overload causes people to delay buying homesThe difference between selling mortgages and educating consumersWhy loan officers may need to become community educatorsThe role mortgage professionals can play in housing advocacy and policyKey TakeawaysTrust is the real barrier.Many younger consumers don't lack motivation to buy homes—they lack confidence in who to trust for guidance.Financial literacy is missing.A large percentage of Millennials and Gen Z never received meaningful education about mortgages or homeownership before entering the housing market.Education builds business.Mortgage professionals who lead with clear, simple financial education can build stronger relationships and long-term referral networks.Advocacy matters.Loan officers who engage in housing policy conversations can help ensure lawmakers understand the real barriers borrowers face. Sign up here: https://www.firsthomeiq.com/mbaadvocacy About the GuestKristin Messerli is the Executive Director of FirstHome IQ, a nonprofit focused on improving financial literacy and empowering the next generation of homebuyers. She is widely recognized for her research on Millennial and Gen Z homebuyer behavior and works with lenders and industry leaders to rebuild trust through education and community engagement.Connect With Laugh, Lend & EatFollow the show for more conversations with leaders across mortgage, real estate, and financial services who are shaping the future of the industry.

Most people think they know where their money goes each month… but when they actually run an expense audit, they find hundreds—sometimes thousands—of dollars quietly leaking out of their budget. Today we're walking through how to run a simple expense audit, how to find those leaks, and how to use a "value matrix" to decide what's worth keeping—and what's quietly draining your life and your wallet. Key Tactical Takeaways Conduct an Expense Audit: Review your expenses for February to March to identify spending leaks. Utilize the Value Matrix: Categorize expenses into high/low joy and high/low cost to optimize spending. Regular Check-ins: Establish a routine of auditing and reflecting on your spending habits to refine financial strategies over time. Core Rules & Formulas Rule/Formulas Description Expense Audit Evaluate your spending regularly to identify leaks or unnecessary expenditures. Value Matrix A four-quadrant tool to assess expenses based on joy and cost:   - High Joy, Low Cost (Best)   - High Joy, High Cost (Consider optimizing)   - Low Joy, Low Cost (Keep but examine)   - Low Joy, High Cost (Cut or trim) Save 50% Rule Aim for a 50% savings rate to ensure financial security and independence. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description Expense Audit Challenge Community initiative to assess spending from February to March. Value Matrix Tool for analyzing expenses to prioritize spending based on joy and cost. YNAB (You Need A Budget) Budgeting tool that tracks spending efficiently; useful for expense audits. Monarch Money Expense tracking tool integrated with financial accounts for easier audits. Resources & References ChooseFI Community Platform Take Action Start Your Expense Audit: Begin reviewing your expenses now to uncover potential leaks. Engage with the Community: Share your audit findings and strategies on the ChooseFI platform. Utilize the Value Matrix: Apply this framework to reflect on your spending and make informed decisions. Listen to Episode 586 for more details on initiating your expense audit and understanding its importance.

5. Guest: Malcolm Hoenlein Headline:Iran Launches Cluster Bombs Against IsraeliCivilians Summary: Malcolm Hoenleinreports on Iran's use of cluster-bomb warheads against Israeli cities like Haifa. Despite the attacks and financial burdens, 93% of Israelis support the effort to end regional threats permanently. (6)1930 TEHRAN CEMENT FACTORY

-- On the Show -- Maura Healey, Governor of Massachusetts, joins us to discuss Donald Trump's failure to coordinate with governors ahead of military action against Iran and her efforts to limit ICE activity in the state -- Donald Trump faces rising costs, oil shocks, civilian casualties, and the rise of Mojtaba Khamenei as Iran's new supreme leader -- Donald Trump triggers a global market panic as escalating war with Iran sends oil prices surging, shuts down shipping through the Strait of Hormuz -- Donald Trump appears at a dignified transfer ceremony for fallen U.S. service members at Dover Air Force Base while wearing a baseball hat -- Karoline Leavitt refuses to rule out a military draft if the war with Iran expands, while defending higher gas prices and blaming Joe Biden for the affordability crisis -- Donald Trump struggles to answer questions about ground troops, civilian casualties, and the meaning of unconditional surrender as reporters press him about the escalating war with Iran -- Newly released Department of Justice documents from the Jeffrey Epstein investigation summarize FBI interviews with a woman who alleges that Donald Trump sexually assaulted her when she was a minor -- Pete Hegseth warns that more casualties are likely and refuses to rule out U.S. ground troops in Iran while declaring that Iranians who expect to live should be worried -- On the ⁠Bonus Show⁠: Travelers encounter long delays as the DHS shutdown continues, Cory Booker wants to make the first $75k of income tax-free, Alabama is ready to execute someone who didn't kill anyone, and much more...

Financial insecurity affects more than just your bank account, it influences stress, health decisions, and the freedom to live life on your own terms.   In this episode, Ted sits down with land investing expert Mark Podolsky to discuss a little-known approach to building passive income through raw land. Mark explains how land investors buy undervalued property, sell it with owner financing, and generate recurring cash flow without the typical headaches of traditional real estate.   Along the way, they explore the mindset shifts required to build wealth, the parallels between financial discipline and physical health, and why creating financial freedom can unlock more time, purpose, and control over your life. Listen now to learn how this unconventional strategy works.    Today's Guest  Mark Podolsky  Mark Podolsky—also known as "The Land Geek"—is a raw land investor, entrepreneur, and author. Since 2001, he has completed more than 5,500 land deals through his company Frontier Equity Properties. Mark is also the author of Dirt Rich, where he teaches investors how to build passive income by buying and selling raw land without dealing with tenants, rehabs, or property management.    Connect to Mark Podolsky: Website: TheLandGeek.com   X: @TheLandGeek  Book: Dirt Rich: How One Ambitiously Lazy Geek Created Passive Income in Real Estate Without Renters, Renovations, and Rehabs    You'll learn:  How raw land investing works and why it avoids many challenges of traditional real estate  The simple model investors use to turn small land deals into recurring monthly cash flow  Why financial freedom can reduce stress and improve long-term health decisions  The mindset shifts required to build wealth and escape financial insecurity    Links Mentioned:   Connect with Ted on X, Instagram, Facebook, LinkedIn  Books mentioned:  Awareness  The Second Mountain: The Quest for a Moral Life 

Discover why stocks are near lows and this may be a buying opportunity for stocks.  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 membership 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.)  

Livestream the Abundance Summit: https://www.abundance360.com/livestream The hosts dive into OpenClaw's explosion—unleashing autonomous local agents on Mac minis that code, create content, and self-evolve 24/7—featuring expert Alex Finn's workflows, org charts of AI "employees," and visions for trillion-dollar agent economies. Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Alex Finn is the Founder/CEO of Creator Buddy & AI-app Maker. He is widely known as a powerhouse in AI coding Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 Salim Ismail is the founder of OpenExO Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding      Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   Your body is incredibly good at hiding disease. Schedule a call with Fountain Life to add healthy decades to your life, and to learn more about their Memberships: www.fountainlife.com/peter  _ Connect with Alex Finn X Linkedin Learn about Creator Buddy Connect with Peter: X Instagram Connect with Dave: X LinkedIn Connect with Salim: X Join Salim's Workshop to build your ExO  Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Listen to MOONSHOTS: Apple YouTube – *Recorded on February 27th, 2026 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

High performers often feel financial pressure even when the numbers are solid. If you carry responsibility but rarely exhale, this may not be about money at all. It may be about identity, safety, and the weight you've quietly agreed to hold.High performers are rarely afraid of being poor.They are afraid of being responsible and failing.In this episode, we explore why financial pressure lingers even when income is stable and reserves are strong. If you've built success yet still feel a quiet vigilance around money, this conversation names what your body already knows.This is not about budgeting or strategy. It is about identity.We explore how high achievers may unconsciously use money as:Proof of competenceInsulation against exposureLeverage in uncertaintySafety when relational trust feels fragileOver time, financial success can fuse with personal worth. The nervous system learns that control equals protection.That is not greed. It is attachment.For some leaders, money feels more predictable than people. Money responds to effort. Relationships do not always do the same. When trust has felt costly, financial control can become the most reliable stabilizer in the room.This episode lives in the Recognition stage of the Identity-Level Recalibration pathway. Recognition means we do not fix. We notice the subtle hum that says, “Stay ahead. Never again.”Identity-Level Recalibration is not another mindset tactic. It is the root-level recalibration that stabilizes the person holding the outcomes. High performance optimizes results. Recalibration steadies the nervous system carrying responsibility.If you feel:Exhausted by invisible financial pressureConfused by why success does not settle youQuietly strained where money carries unspoken powerThis episode begins the shift from vigilance to grounded stewardship.Recognition precedes resolution.Orientation comes before action.Today's Micro Recalibration:When you think about money, does your body soften or tighten?Where do you feel it?What are you actually trying to protect?No fixing. Just awareness.Explore Identity-Level Recalibration → Schedule a conversation with Julie to see if The Recalibration is a fit for you → Learn about The Recalibration Cohort→ Join the next Friday Recalibration Live experience → Take your listening deeper! Subscribe to The Weekly Recalibration Companion to receive reflections and extensions to each week's podcast episodes. → Follow Julie Holly on LinkedIn for more recalibration insights → Download the Misalignment Audit → Subscribe to the weekly newsletter → Books to read (Tidy categories on Amazon- I've read/listened to each recommended title.) → One link to all things...

Success doesn't begin with strategy — it begins with identity.

Welcome to the Building Your Money Machine Show, where we strip away the myths and breakdown the real traps that keep hardworking, smart people stuck in the middle class—just like I was at one point. In this episode, I'm exposing the sneaky financial pitfalls designed to hold you back, and revealing exactly how to break free and build a life of true choice and freedom.I've spent over 30 years as a CPA, entrepreneur, and money mentor—and I've seen firsthand what keeps people spinning their wheels. It's not about earning more, it's about what you do with it and the system you use to turn income into lasting wealth. If you're ready to stop working for your money and start making your money work for you, you need to hear this episode.Let's pull back the curtain and get real about your path to financial independence.IN TODAY'S EPISODE, I REVEAL:Why raises and higher income won't set you free unless you fix this one hidden behaviorThe danger of relying on salespeople and banks for financial advice—and what you need to ask insteadHow lifestyle creep steals your wealth and options, and ways to keep your future front and centerThe costly illusion of “affordability,” payment thinking, and fake optimization productsThe real reason most people delay investing—and how that single choice destroys your wealth potentialIf you're ready to quit playing by the old rules, avoid the traps, and build your own money machine—this episode is for you. Hit play, and let's start changing the game!RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyWhat The 1% Teach Their Kids About MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Psychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5M12 Unsexy Habits That Made Me Serious Money: https://youtu.be/OjYgoVwFxWsORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Iran War Triggers Global Financial Panic! Oil Surges Above $100 As US Officially Prepares To Invade Iran! Plus, Trump Pledges To Veto All Legislation Until SAVE Act Is Passed! RED ALERT

Mar 9, 2026 – What if the secret to reversing the aging process wasn't found in a pill, but in the fundamental elements of nature? Jason Tebeau reveals the Superhuman Protocol, a groundbreaking three-step system designed to "recharge"...

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Did the NFL cover up what they knew? Is football causing early dementia? Mark Fainaru-Wada is an award-winning investigative reporter & journalist with ESPN. He's also the co- author of League of Denial, the book co-written with his brother, that inspired the Frontline documentary by the same name.In this episode, you'll hear how the discovery of Chronic Traumatic Encephalopathy – CTE – sparked investigations & research & denial. Mark unpacks our culture comfort with violence, the danger of blaming everything on CTE & what it took get the NFL to address concussion injury concerns. If you like this episode, you'll also like episode 204: ARE LOW FAT DIETS HEALTHY? HEART HEALTH & HECKLERS [REMASTERED]   Guest:https://a.co/d/0iybv8zhhttps://youtu.be/SedClkAnclk?si=uAp4KvLWOCSKqGe3 Host:  https://www.meredithforreal.com/  https://www.instagram.com/meredithforreal/ meredith@meredithforreal.comhttps://www.youtube.com/meredithforreal  https://www.facebook.com/meredithforrealthecuriousintrovert  Sponsors: https://www.jordanharbinger.com/starterpacks/ https://www.historicpensacola.org/about-us/  01:22 — Has interest in CTE faded since the documentary?01:38 — The story that launched the investigation02:37 — Minimization or an actual cover-up?04:32 — What CTE actually looks like in real life05:00 — The hidden danger: repetitive hits07:50 — Why football is harder to confront than smoking08:43 — Our cultural comfort with violence11:23 — The difference between TV and the sideline12:30 — Frequency vs intensity of brain trauma13:28 — The high percentage of CTE in former players14:05 — Could anything else cause CTE?15:02 — When the NFL finally acknowledged the link16:05 — The lawsuits and congressional pressure16:33 — Why ESPN supported the investigation19:12 — “There is no Santa”: confronting fan identity19:49 — How fans rationalize uncomfortable facts21:12 — Why some people still call CTE bad science22:21 — Financial incentives behind the doubt22:53 — The religious undertones of football culture23:23 — The gladiator appeal of football players24:34 — Why football feels mythic in America25:41 — Why youth football is a separate debate26:11 — The question every parent asks27:05 — Why more kids are switching to flag football27:38 — The NFL's marketing push toward moms29:52 — When is tackle football “safe”?31:26 — New rules to limit head impacts33:11 — When marketing meets safety messaging33:44 — Why football can't admit its core problem33:50 — Can better helmets solve brain trauma?35:00 — Why helmets were never the real solution36:05 — The danger of blaming everything on CTE36:42 — Why the brain is always complicated38:36 — Why nuance keeps getting lost40:21 — The race and class dynamics of youth football42:09 — The future of CTE research43:41 — Final reflections on football's uncertain futureRequest to join my private Facebook Group, MFR Curious Insiders https://www.facebook.com/share/g/1BAt3bpwJC/

Patrick Crakes, Crakes Media Executive and Media Consultant, joins 365 Sports to break down the complicated future of college sports media rights and the economic forces reshaping the industry. Crakes explains why the idea of pooling media rights across college athletics is far more complicated than it sounds, how a small group of powerhouse programs drives the majority of college football's value, and why major structural decisions could reshape the entire ecosystem. #nil #conferencerealignment #tvnegotions Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Wise Divine Women podcast, Dana Irvine sits down with Shana and Vanessa, the Budget Besties, to discuss empowering women through financial literacy and effective money management. Focused on women's empowerment and menopausal support, they redefine budgeting as an accessible and enjoyable process rather than a restrictive task. The conversation explores how emotional spending often stems from disorganization and how a well-structured budgeting system can bring financial peace and reduce stress.Listeners will learn about practical strategies for financial peace, including organizing finances to reduce decision fatigue and teaching financial literacy to empower the next generation of women. This episode also highlights how budgeting empowers aging women to maintain control over their financial and personal well-being, reinforcing that successful money management is an essential part of menopause support for women seeking to thrive across all areas of life.Join us as we break down the barriers around money management and show how budgeting can fuel confidence, health, and empowerment in every woman's life.OUR SIMPLIFIED BUDGET SYSTEM: Ready to get your finances in tip-top shape? Our Simplified Budget System is here to help! Click here to start your journey to financial freedom. If you've already purchased our system + course, go here to log in.  PODCAST LOVE: Big thanks for your interest in our podcast! If you're suggesting a guest or hoping to join us on air, we've received your message and will reach out if it's a great fit.  GET COACHED: Ready for a financial breakthrough? Schedule your free 20-minute coaching call! It's the perfect opportunity to take the first step towards financial empowerment.  JOIN OUR FACEBOOK GROUP: Looking for a community of like-minded women? Our Facebook group is the place for support, tips, and laughs. Join us here and be part of the family! SOAP JOURNAL: Dive into self-reflection with our SOAP journal. It's a great tool for keeping track of your goals and growth. Grab yours here and start your personal journey. EXTRA PERKS: Craving more financial tips and tricks? Sign up here for exclusive content and join our email community. Head to this page to get our free One Page Printable Budget Template, Monthly Money Date Night Guide and our 49 Smart Money Moves. TakeawaysBudgeting doesn't have to be boring or restrictive.Financial literacy is not just about balancing a checkbook.Women often feel overwhelmed by financial management.Emotional spending is often a result of disorganization.A well-organized budget can reduce decision fatigue.It's important to separate money for different spending categories.Teaching kids about budgeting can empower them financially.Women can learn to prioritize self-care in their budgets.Investing should come after establishing a solid budgeting foundation.Creating a budget can change the trajectory of a family's financial future.Chapters00:00 Introduction to Financial Empowerment02:58 The Journey to Budgeting Freedom05:39 Changing the Narrative Around Money08:38 Understanding Emotional Spending11:32 The Budget Besties System Explained17:32 Real-Life Impact of Budgeting23:09 Teaching Financial Literacy to the Next Generation28:43 Words of Wisdom and ConclusionIf you're over 40 and feeling:• Tired but wired • Bloated or inflamed • Hormonal and frustrated • Concerned about breast health • Unsure what testing you truly needYou don't need another quick fix. You need clarity.The ⁠Wise Divine Women Health Clarity Call ⁠is your 1:1 strategy session to uncover root causes and map out your next best steps — whether that's functional testing, thermography, nutrition coaching, or hormone support.

Text Your Name & Mailing Address and Receive Free Show SwagAbout This EpisodeDoug Barron returns to share the incredible story behind organizing the 2025 All American Big Way - a 250-way skydiving record attempt at Skydive Chicago that ran simultaneously with a 200-way vertical record. This is a masterclass in event logistics, leadership under pressure, and pushing the boundaries of what's possible in skydiving.Resources Mentioned

In this episode, Steve Fretzin and Leah Miller discuss: Run your law firm like a business, not a hobby Use accurate financials to avoid hidden risks and overpayment Track key metrics and benchmarks for people, operations, and marketing Leverage metrics to make strategic growth decisions   Key Takeaways: Long-term growth requires regular attention to financials. Cash in the bank is not a strategy; data should guide hiring, marketing, and operational decisions. Bad bookkeeping masks problems and can cost in taxes. Early investment in a bookkeeper or financial team yields high ROI and clarity. Monitor payroll, operating costs, and marketing spend as percentages of revenue. Focus on trends over time and adapt to what works for your firm. Financial data informs hiring, marketing, and process improvements. Treat new hires as investments, plan for cash gaps, and track time spent on business development for accountability.   "If you're not paying attention to the dollars and you're not operational decisions based on the finances, you are not going to have that long-term, sustained growth that you're looking for as a lawyer in a firm." —  Leah Miller   Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again.   Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/   Thank you to our Sponsor! Rankings.io: https://rankings.io/ Lawyer.com: https://www.lawyer.com/   Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/   About Leah Miller: Leah N. Miller, MBA, is the founder and CEO of Firmly Profits, a firm providing fractional CFO and bookkeeping services to law firms across the United States. Starting her career as a paralegal, Leah rose to become a firm administrator and CFO at a personal injury law firm in Fort Myers, Florida, where she recognized the need for law firm owners to gain confidence in their finances. Passionate about helping attorneys achieve financial clarity and sustainable growth, she now leads a team dedicated to offering expert financial guidance, process improvement, and strategic planning for firms of all sizes. Outside of work, Leah teaches paralegal courses and enjoys spending time with her husband and three daughters in sunny Southwest Florida.   Connect with Leah Miller:   Website: https://firmlyprofits.com/ YouTube: https://www.youtube.com/@LNMFinancialServices/videos LinkedIn: https://www.linkedin.com/company/firmlyprofits/ Facebook: https://www.facebook.com/people/LNM-Financial-Services/100091343407958/ Instagram: https://www.instagram.com/leah_lnm_financial/   Connect with Steve Fretzin: LinkedIn: Steve Fretzin Twitter: @stevefretzin Instagram: @fretzinsteve Facebook: Fretzin, Inc. Website: Fretzin.com Email: Steve@Fretzin.com Book: Legal Business Development Isn't Rocket Science and more! YouTube: Steve Fretzin Call Steve directly at 847-602-6911   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Find me on Substack!Matt Reustle is the former CEO of Colossus and architect of the Business Breakdowns podcast, who spent a decade at Goldman Sachs mastering business dissection before building one of the investment world's most influential media platforms.The episode is sponsored by TenzingMEMO — the AI-powered market intelligence platform I use daily for smarter company analysis. Code BILLIONS gets you an extended trial + 10% off.3:00 – Matt reflects on his upbringing: engineer father, educator mother, and how dinner table conversations about managing teams shaped his thinking on accountability and action.5:00 – The pivot from Goldman Sachs to Colossus: Matt describes the frustration with compliance-driven communication at large firms and the freedom podcasting offered to reach wider audiences with authentic analysis.7:15 – Second-order impact of content: how episodes designed for investors also reach management teams, founders, and unexpected audiences who extract different lessons.10:51 – From analyzing businesses to running one: Matt describes eating “humble pie” when moving from the investor seat to the operator seat, gaining appreciation for nuance, experimentation, and details that don't scale.15:06 – The Patek Philippe episode and stewardship: watches powered by human movement, built to last centuries, and the marketing genius of positioning a product as something you never truly own but look after for the next generation.19:09 – Long-term thinking benefits you now: Bogumil argues that applying a multi-generational filter to decisions delivers returns in the current generation, not just future ones.22:58 – What makes a compounder: Matt identifies three characteristics — a self-reinforcing sales model, religious cost efficiency, and disciplined capital allocation — set against the macro backdrop of industries growing faster than GDP.31:35 – Mapping value chains: finding mission-critical, low-cost components with high barriers to entry where small players capture outsized profits.37:34 – Financial hygiene: management teams that communicate future flexibility and demonstrate depth of knowledge signal discipline; track records outweigh rhetoric.43:40 – Evolutionary DNA of businesses: the ability to adapt and pivot, what Henry Ellenbogen calls “act two companies,” and why the best investors change their minds when information changes.49:30 – Audience of one philosophy: creating content for a specific person breeds focus, quality, and trust — and paradoxically reaches far more people than content designed for mass appeal.54:35 – AI as a creative superpower: interacting with your own content library in new ways, finding use cases from peers, and owning the technology rather than letting it own you.58:20 – Success as fulfillment: family, creation, and relationships — Matt's definition shaped by watching his parents balance it all.Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.EPISODE NOTES

On this week's Merryn Talks Money podcast, host Merryn Somerset Webb speaks with financial historian Edward Chancellor about how energy constraints and geopolitical tensions could reshape markets, whether the artificial intelligence boom is a bubble and what it all means for interest rates. Chancellor argues that AI enthusiasm may be overextended, warns of rising long-term rates and sovereign debt risks and makes the case for gold, commodities, Japan and emerging markets over bonds and expensive growth stocks. Sign up to the subscriber event here: https://www.bloombergevents.com/ZZ3kna?utm_source=Podcast&utm_campaign=Podcast&utm_medium=Podcast&RefId=subSee omnystudio.com/listener for privacy information.

6. By late 1932, the Nazi party faced financial bankruptcy and mounting electoral losses. Kurt von Schleicherattempted to dismantle the NSDAP by offering Gregor Strasser the vice-chancellorship. While Strasser sought to save the movement through compromise, Hitler remained steadfast, eventually declaring a minor victory in Lippe as a triumph. (6)1933 BERLIN

Everyone loves them. Your friends think they're charming. Your family thinks you're lucky. You know what they're really like at home. And you wonder if you're the crazy one.This is Parts 3 and 4 of "Surviving the Fog"—examining financial coercive control and the psychology of the mask through the Kouri Richins case. We're not diagnosing anyone. We're exploring documented patterns that explain how intelligent people end up trapped.Prosecutors allege Kouri was $4.5 million in debt when Eric died. Over 200 overdraft transactions totaling $300,000. A $3.2 million mansion closing the day of his death. Financial abuse creates chains so complete that leaving becomes impossible—not because you're afraid, but because you literally cannot afford to go.The chaos strategy keeps you reactive. The "we" weapon makes every decision feel shared while one person controls. The flip turns your questions into accusations. The trap follows you: destroyed credit, joint debt, sabotaged employment. Financial desperation is a documented lethality indicator—when the house of cards collapses, danger spikes.Then there's the mask. After Eric died, Kouri wrote a children's book about grief. Featured her sons. Did media appearances as the grieving widow helping families heal. All while under investigation for allegedly murdering her husband.Public image management means every interaction is curated, building character witnesses before they're needed. "They would never"—the narrative gets set before you speak. Flying monkeys reinforce their reality while your support network erodes. Two people exist: warm and generous in public, cold and critical at home.The pressure paradox: the mask doesn't crack under scrutiny. It becomes more elaborate. The worse the truth, the better the performance has to be.The public saint and private monster are the same person. Trust what you see at home.Kouri Richins is presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #SurvivingTheFog #FinancialAbuse #TheMask #NarcissisticAbuse #EricRichins #FlyingMonkeys #CoerciveControl #PublicPersona #KouriRichinsTrial

Everyone loves them. Your friends think they're charming. Your family thinks you're lucky. You know what they're really like at home.That's the loneliest place a human being can be. Tonight we're examining the psychology of coercive control through the Kouri Richins case—Parts 3 and 4 of "Surviving the Fog." We're not diagnosing anyone. We're exploring documented patterns.Financial abuse creates invisible chains. Prosecutors allege Kouri was $4.5 million in debt when Eric died. Over 200 overdraft transactions. A $3.2 million mansion closing the day of his death—one she allegedly couldn't afford. Financial desperation is a lethality indicator in domestic violence research. When the house of cards collapses, danger spikes.The chaos strategy keeps victims reactive—constant crisis means you never step back to see the pattern. The "we" weapon makes every decision feel shared while control stays with one person. And when you finally ask questions about money? The flip happens. Suddenly you're controlling. You don't trust them. You end up apologizing.Then there's the mask. After Eric died, Kouri wrote a children's book about grief. Featured her sons. Promoted it on media appearances as the grieving widow helping families heal. All while under investigation for allegedly murdering her husband.Public image management means every interaction is curated. Character witnesses get built before they're needed. "They would never" becomes the narrative before you can speak—because they told their version first. Flying monkeys get recruited to reinforce their reality while your support network disappears.The pressure paradox: the mask doesn't crack under scrutiny. It becomes more elaborate. The worse the truth, the better the performance has to be.The public saint and private monster are the same person. Trust what you see at home.Kouri Richins is presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichinsLive #SurvivingTheFog #FinancialAbuse #TheMask #NarcissisticAbuse #EricRichins #CoerciveControlSigns #FlyingMonkeys #DomesticViolence #HiddenKillersLive

This is our Week in Review of the Kouri Richins murder trial—and the prosecution's key witnesses are telling different stories under oath.Carmen Lauber testified she bought fentanyl for Kouri Richins four times before Eric died. Robert Crozier—the man who allegedly supplied those drugs to Lauber—took the stand and said something different. He testified he only sold oxycodone, not fentanyl, because "everybody was scared of fentanyl" at the time. He claimed he was "detoxing and out of it" during his original statement to detectives. Lauber herself admitted confusion under cross-examination.When your two central witnesses can't agree on what the drugs actually were, the prosecution has a problem.Former FBI behavioral analyst Robin Dreeke spent 21 years with the Bureau, including time as Chief of the Counterintelligence Behavioral Analysis Program. His career was built on reading people in high-stakes environments—separating truth from performance, assessing credibility under pressure. He examines what behavioral signals reveal whether a witness with credibility wounds is still telling core truth versus constructing a self-serving narrative. He also reads Kouri's sustained composure through five days of devastating testimony.Defense attorney Bob Motta breaks down whether the prosecution can recover. The state played a recording of Kouri calling the medical examiner's office asking detailed questions about substances found in Eric's body. But Bob analyzes whether that shows consciousness of guilt—or exactly what you'd expect from a widow trying to understand her husband's death.The most significant fact the jury has heard: the state's own former Chief Medical Examiner still lists Eric's manner of death as "undetermined." Not homicide. Four years later.Over twenty witnesses called. Fentanyl in Eric's system established. Financial problems documented. Boyfriend confirmed. But the prosecution still hasn't proven how fentanyl got into Eric or that Kouri administered it.Kouri Richins is presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichinsTrial #EricRichinsMurder #CarmenLauberTestimony #RobertCrozier #RobinDreekeFBI #BobMottaDefense #FentanylCase #UtahTrial #TrueCrimePodcast #HiddenKillersPod

LAST CHANCE! REGISTER FOR THOUGHTFUL MONEY'S SPRING ONLINE CONFERENCE AT THE EARLY BIRD DISCOUNT PRICE at https://www.thoughtfulmoney.com/conferenceWould your portfolio be able to survive if a "lost decade" lies ahead for the stock market?Such lost decades happen more frequently than many investors realize.The senior team at New Harbor Financial discuss the risks of such a period of underperformance, as well as share their outlook given the Iran war.#marketcorrection #bearmarket #iranwar _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2026 Thoughtful Money LLC. All rights reserved.

Why don't we talk about money when we talk about domestic abuse? And why do abusers look so perfect to everyone except the person living with them?This is Parts 3 and 4 of "Surviving the Fog"—examining financial abuse and public image manipulation through the Kouri Richins case. We're not diagnosing anyone. We're exploring documented psychological patterns.Prosecutors allege Kouri Richins was $4.5 million in debt. Over 200 overdraft transactions totaling $300,000. A $3.2 million mansion closing the day Eric died—one she allegedly couldn't afford. Financial abuse doesn't leave bruises, but research shows financial desperation is a lethality indicator. When the house of cards collapses, danger spikes.The chaos strategy keeps partners reactive—constant financial crisis means you're always putting out fires, never analyzing the pattern. The "we" weapon makes decisions feel shared while one person controls. The flip turns your questions into accusations—suddenly you're the controlling one. The trap follows even after leaving: destroyed credit, joint debt, sabotaged employment.Then there's the mask. After Eric died, Kouri wrote a children's book about grief. Featured her sons on the cover. Did media appearances as the grieving widow helping families heal. All while under investigation for allegedly murdering her husband. If the prosecution is right, this is the mask at its most extreme.We break down documented patterns: Public image management—building character witnesses before they're needed. "They would never"—four dangerous words that set the narrative before you can speak. Flying monkeys—people recruited to reinforce their reality.The pressure paradox explains why scrutiny makes the mask stronger, not weaker. The worse the truth, the better the performance.Trust what you see at home. Not what everyone else sees.Kouri Richins is presumed innocent until proven guilty.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichinsCase #FinancialAbuse #NarcissisticAbuse #TheMask #EricRichins #SurvivingTheFog #CoerciveControl #EconomicAbuse #PublicPersona #TrueCrimeToday