Podcasts about financial

Dr. Gregg Lunceford, Wealth Advisor at Mesirow Wealth Management, joins Jon Hansen for a Mesirow Monday. Gregg continues his conversation on the importance of discussing your finances with your partner or spouse. What kind of financial secrets are people keeping, and what are they lying about? For more information, visit www.mesirow.com or call 877 Mesirow.

Attorney Rae Kaplan of Kaplan Law Firm joins Jon Hansen on Your Money Matters to discuss the impending student loan cliff, emphasizing the urgency for action by May due to extended processing times at the Department of Education.

Employment lawyer Patrick Dolan of Conti and Dolan joins Jon Hansen on Your Money Matters to discuss today's mixed job market, non-compete agreements, worker misclassification and take listener questions.

In this episode of the MtoM Podcast #262, we explore how a pediatric intensivist became a millionaire and share actionable lessons for other doctors looking to build wealth. From career choices and saving strategies to the mindset shifts required for financial success, this episode provides a practical roadmap for physicians at any stage of their career. We cover the pediatric intensivist's personal journey from residency to millionaire status, including the key habits, investment strategies, and financial decisions that made it possible. You'll learn how automation, disciplined saving, and smart financial planning can compound into life-changing results over time. We also include a Financial Boot Camp segment on Income-Driven Repayment (IDR) plans, explaining how doctors can manage student loans effectively and avoid common pitfalls. Whether you're early in your career, mid-career, or considering how to optimize your repayment strategy, this portion is packed with practical guidance. If you're a doctor, dentist, or other high-income professional looking for real-world financial strategies and inspiration, this episode shows how it's done—step by step. One of the most underrated financial moves in medicine is working locum tenens. It pays significantly more on average, and you can work locums full time or on the side of your full time. When you work with CompHealth, the #1 staffing agency, they cover your housing and travel costs —which on top of higher pay, really adds up. Locums also gives you more control of your career, allowing you to go where you want, when you want, with a schedule that works for you. It's the perfect way to get ahead financially while getting focused on what you love.  Whether it's locum tenens or a regular permanent position, visit https://whitecoatinvestor.com/CompHealth and build your career your way with the power of CompHealth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #262: How a Pediatric Intensivist Built Wealth 02:28 How a Pediatric Intensivist Became a Millionaire 14:24 Lessons for Doctors Who Want to Build Wealth 17:00 Understanding Income-Driven Repayment Plans (IDR) for Doctors

Listen and Subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Alicia Lyttle. SUMMARY OF THE ALICIA LYTTLE INTERVIEW From “Money Making Conversations Master Class” with Rushion McDonald [ 1. Purpose of the Interview The purpose of this interview was to: Showcase Alicia Lyttle, CEO and co‑founder of Air Innovations, known widely as the “Queen of AI.” [ Educate small business owners, entrepreneurs, and nonprofits on how to leverage AI for growth. Highlight her mission to empower the African American community to not only keep up with AI—but lead in it. [ Demonstrate how AI tools can transform operations, content creation, finances, and productivity in minutes instead of months. Inspire listeners through her entrepreneurial journey, professional pivots, and personal resilience. 2. High-Level Summary Alicia Lyttle returns to the show two years after her last appearance, now positioned at the forefront of the global AI movement. She explains how her work has shifted from annual summits to monthly AI Business Summits, teaching tens of thousands of entrepreneurs how to use AI hands‑on for content, marketing, operations, and scaling. She breaks down how simple tools—such as NotebookLM, ChatGPT, Jasper, Gemini, and HeyGen—can turn a single piece of content into newsletters, PowerPoints, videos, study guides, and more. She stresses that AI is now accessible, especially with free versions like ChatGPT. Alicia also shares her origin story in AI, beginning with a 15‑year‑old speaker at Walmart Tech Live describing IBM Watson. This sparked her fascination and ultimately led her to pivot her entire company toward full-time AI training and consulting by 2022—despite skepticism from her peers. She details the massive growth of her brand, including 21,000+ live summit attendees and explosive social media expansion. The interview also addresses AI’s role in finance, healthcare, government, job disruption, and how individuals can future‑proof themselves. Her personal story of overcoming a restrictive ex-husband who told her she would “never speak again” underscores her powerful message: no one should silence your gifts. Now she speaks to thousands, leads major events, and helps others build new careers in AI. 3. Key Takeaways A. AI Is Evolving Fast—and So Must We AI is changing so quickly that entrepreneurs cannot afford to wait for annual updates. This is why Alicia shifted to monthly training summits. People need ongoing education to stay competitive. B. Hands‑On AI Education Is the Key Alicia doesn’t just lecture—she walks participants through real demonstrations: Uploading YouTube links Creating summaries Generating emails, mind maps, PowerPoints, quizzes, videos, and more…all from a single input. Her approach eliminates fear and teaches entrepreneurs how to use AI immediately. C. Accessibility Has Changed the Game The release of ChatGPT, especially the free version, democratized AI. Before that, tools like IBM Watson were too complex and expensive. Now anyone with a laptop and internet connection can build websites, write content, or automate business flows in minutes. [ D. The African American Community Must Lead—Not Follow Alicia emphasizes that historically, Black communities have been “last in line” in tech innovation, but this AI era presents a once‑in‑a‑generation opportunity to jump ahead.She sees it as her mission to speak everywhere Black entrepreneurs are to ensure they seize this moment. E. AI Will Replace Tasks—But People Can Future‑Proof Themselves Jobs are already shifting. Companies are laying off non–AI‑literate employees.Alicia urges people to: Become AI‑fluent Join AI committees at work Pursue certification Use AI to become their company’s internal expert “There’s no maybe—you have to learn AI,” she warns. F. AI is Transforming Every Sector: Finance, Healthcare, Government She provides insights on… AI receptionists (“Monica” and “Leslie”) that boost customer interaction to 92% Financial analysis using secure ChatGPT setups AI mental health companions Government calls for national AI leadership G. Alicia Monetizes Through Education, Certification & Consulting Her business model includes: Free monthly summits Paid masterclasses Corporate consulting AI certifications Live Atlanta workshops She teaches others to become AI consultants too. H. Her Personal Triumph Story Inspires Thousands A powerful moment is when she recounts her ex-husband saying: “There’s only one quarterback on a team—and you will never speak again.”Yet today, 1,200+ people attend her live events, and tens of thousands join her virtual trainings. Her success proves resilience and purpose overcome adversity. 4. Key Quotes On AI Opportunity “Never has there been a better time in history to start, build, or scale a business than right now.” On Training Entrepreneurs “Open your laptops… use the same prompt I use. See what results you get.” On the Power of AI Tools “You can take one episode and repurpose it into all these different content ways.” On Pivoting Her Entire Company “In 2022, I said we’re closing this business and going all in on AI.” On Being Black in Tech “My mission is to make sure our community is not left behind—but ahead of the curve.” On Personal Resilience “You will be speaking on the best stages… people will come to see you.”(A friend’s response after she was told she’d “never speak again.”) On Future-Proofing Careers “Those using AI will replace you. You have to learn how to leverage AI.” On AI as a Human-First Technology “AI plus human intelligence—that’s what takes things to the next level.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and Subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Alicia Lyttle. SUMMARY OF THE ALICIA LYTTLE INTERVIEW From “Money Making Conversations Master Class” with Rushion McDonald [ 1. Purpose of the Interview The purpose of this interview was to: Showcase Alicia Lyttle, CEO and co‑founder of Air Innovations, known widely as the “Queen of AI.” [ Educate small business owners, entrepreneurs, and nonprofits on how to leverage AI for growth. Highlight her mission to empower the African American community to not only keep up with AI—but lead in it. [ Demonstrate how AI tools can transform operations, content creation, finances, and productivity in minutes instead of months. Inspire listeners through her entrepreneurial journey, professional pivots, and personal resilience. 2. High-Level Summary Alicia Lyttle returns to the show two years after her last appearance, now positioned at the forefront of the global AI movement. She explains how her work has shifted from annual summits to monthly AI Business Summits, teaching tens of thousands of entrepreneurs how to use AI hands‑on for content, marketing, operations, and scaling. She breaks down how simple tools—such as NotebookLM, ChatGPT, Jasper, Gemini, and HeyGen—can turn a single piece of content into newsletters, PowerPoints, videos, study guides, and more. She stresses that AI is now accessible, especially with free versions like ChatGPT. Alicia also shares her origin story in AI, beginning with a 15‑year‑old speaker at Walmart Tech Live describing IBM Watson. This sparked her fascination and ultimately led her to pivot her entire company toward full-time AI training and consulting by 2022—despite skepticism from her peers. She details the massive growth of her brand, including 21,000+ live summit attendees and explosive social media expansion. The interview also addresses AI’s role in finance, healthcare, government, job disruption, and how individuals can future‑proof themselves. Her personal story of overcoming a restrictive ex-husband who told her she would “never speak again” underscores her powerful message: no one should silence your gifts. Now she speaks to thousands, leads major events, and helps others build new careers in AI. 3. Key Takeaways A. AI Is Evolving Fast—and So Must We AI is changing so quickly that entrepreneurs cannot afford to wait for annual updates. This is why Alicia shifted to monthly training summits. People need ongoing education to stay competitive. B. Hands‑On AI Education Is the Key Alicia doesn’t just lecture—she walks participants through real demonstrations: Uploading YouTube links Creating summaries Generating emails, mind maps, PowerPoints, quizzes, videos, and more…all from a single input. Her approach eliminates fear and teaches entrepreneurs how to use AI immediately. C. Accessibility Has Changed the Game The release of ChatGPT, especially the free version, democratized AI. Before that, tools like IBM Watson were too complex and expensive. Now anyone with a laptop and internet connection can build websites, write content, or automate business flows in minutes. [ D. The African American Community Must Lead—Not Follow Alicia emphasizes that historically, Black communities have been “last in line” in tech innovation, but this AI era presents a once‑in‑a‑generation opportunity to jump ahead.She sees it as her mission to speak everywhere Black entrepreneurs are to ensure they seize this moment. E. AI Will Replace Tasks—But People Can Future‑Proof Themselves Jobs are already shifting. Companies are laying off non–AI‑literate employees.Alicia urges people to: Become AI‑fluent Join AI committees at work Pursue certification Use AI to become their company’s internal expert “There’s no maybe—you have to learn AI,” she warns. F. AI is Transforming Every Sector: Finance, Healthcare, Government She provides insights on… AI receptionists (“Monica” and “Leslie”) that boost customer interaction to 92% Financial analysis using secure ChatGPT setups AI mental health companions Government calls for national AI leadership G. Alicia Monetizes Through Education, Certification & Consulting Her business model includes: Free monthly summits Paid masterclasses Corporate consulting AI certifications Live Atlanta workshops She teaches others to become AI consultants too. H. Her Personal Triumph Story Inspires Thousands A powerful moment is when she recounts her ex-husband saying: “There’s only one quarterback on a team—and you will never speak again.”Yet today, 1,200+ people attend her live events, and tens of thousands join her virtual trainings. Her success proves resilience and purpose overcome adversity. 4. Key Quotes On AI Opportunity “Never has there been a better time in history to start, build, or scale a business than right now.” On Training Entrepreneurs “Open your laptops… use the same prompt I use. See what results you get.” On the Power of AI Tools “You can take one episode and repurpose it into all these different content ways.” On Pivoting Her Entire Company “In 2022, I said we’re closing this business and going all in on AI.” On Being Black in Tech “My mission is to make sure our community is not left behind—but ahead of the curve.” On Personal Resilience “You will be speaking on the best stages… people will come to see you.”(A friend’s response after she was told she’d “never speak again.”) On Future-Proofing Careers “Those using AI will replace you. You have to learn how to leverage AI.” On AI as a Human-First Technology “AI plus human intelligence—that’s what takes things to the next level.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Discover what the latest victims of AI may be.  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.)  

Marty sits down with Jesse Shrader, co-founder and CEO of Amboss, to discuss the evolution of the Lightning Network, how Taproot Assets are bringing stablecoins and multi-asset trading to Bitcoin, the launch of Amboss's RailsX peer-to-peer exchange and Magma MCP tool for AI agents, and why Bitcoin is positioned to become the backbone of global commerce and foreign exchange settlement. Jesse on X: https://x.com/Jestopher_BTC Amboss: https://amboss.tech/ STACK SATS hat: https://tftcmerch.io/ Our newsletter: https://www.tftc.io/bitcoin-brief/ TFTC Elite (Ad-free & Discord): https://www.tftc.io/#/portal/signup/ Discord: https://discord.gg/VJ2dABShBz Opportunity Cost Extension: https://www.opportunitycost.app/ Shoutout to our sponsors: Bitkey https://bit.ly/4pOv2L4 Promo Code: TFTC99 Unchained https://unchained.com/tftc/ SLNT https://slnt.com/tftc Lygos: https://bit.ly/4koiJmB Salt of the Earth: https://drinksote.com/tftc Join the TFTC Movement: Main YT Channel https://www.youtube.com/c/TFTC21/videos Clips YT Channel https://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQ Website https://tftc.io/ Newsletter tftc.io/bitcoin-brief/ Twitter https://twitter.com/tftc21 Instagram https://www.instagram.com/tftc.io/ Nostr https://primal.net/tftc Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/martybent Newsletter https://tftc.io/martys-bent/ Podcast https://www.tftc.io/tag/podcasts/

What is your plan for helping your franchisees get funding? Do you have one? Our guest today is Jeremy Ames, who shares with us some best practices for funding new and existing businesses. TODAY'S WIN-WIN:Answer the “how” question first, before you make a decision. LINKS FROM THE EPISODE:Schedule your free franchise consultation with Big Sky Franchise Team: https://bigskyfranchiseteam.com/. You can visit our guest's website at: https://www.guidantfinancial.com/https://jeremyames.com/Attend our Franchise Sales Training Workshop:  https://bigskyfranchiseteam.com/franchisesalestraining/Connect with our guests on social:https://www.linkedin.com/in/jeremyamesentrepreneur/https://www.facebook.com/profile.php?id=61581427972392https://www.instagram.com/jeremy.ames.author/https://www.linkedin.com/company/guidant-financial-group/ABOUT OUR GUEST:Jeremy helps aspiring business owners take the next step by turning ideas and ambition into real ownership.As Co-Founder and CEO of Guidant Financial, he has helped more than 30,000 people become business owners. Through this work—and his own experience co-founding startups, acquiring companies, and owning franchises—Jeremy has gained a front-row view of both the patterns that lead to success and the pitfalls that hold entrepreneurs back.This unique perspective has shaped his understanding of what truly makes ownership work. Today, he shares these insights, along with lessons learned from others on the same journey, to help future owners gain the clarity and confidence needed to move forward with conviction.Because when there's something to lose, conviction can't be built on wishful thinking—it must be grounded in preparation. For those ready to move from considering ownership to actively exploring it, Jeremy is committed to helping guide the way.ABOUT BIG SKY FRANCHISE TEAM:This episode is powered by Big Sky Franchise Team. Big Sky Franchise Team is consistently recognized as a leading franchise consulting firm in the United States, helping business owners franchise their businesses through a proven Franchise Blueprint process rooted in ethical principles, hands-on guidance, and customized deliverables. If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/. The information provided in this podcast is for informational and educational purposes only and should not be considered financial, legal, or professional advice. Always consult with a qualified professional before making any business decisions. The views and opinions expressed by guests are their own and do not necessarily reflect those of the host, Big Sky Franchise Team, or our affiliates. Additionally, this podcast may feature sponsors or advertisers, but any mention of products or services does not constitute an endorsement. Please do your own research before making any purchasing or business decisions.

In this rewind episode we talk with Brian Preston who is the author of ⁠Millionaire Mission⁠ and cohost of The Money Guy Show. We discuss the financial order of operations. How do you maximize your ability to both spend today as well as to save for tomorrow. Brian talks about what has been successful for his clients through decades of financial planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and Subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Alicia Lyttle. SUMMARY OF THE ALICIA LYTTLE INTERVIEW From “Money Making Conversations Master Class” with Rushion McDonald [ 1. Purpose of the Interview The purpose of this interview was to: Showcase Alicia Lyttle, CEO and co‑founder of Air Innovations, known widely as the “Queen of AI.” [ Educate small business owners, entrepreneurs, and nonprofits on how to leverage AI for growth. Highlight her mission to empower the African American community to not only keep up with AI—but lead in it. [ Demonstrate how AI tools can transform operations, content creation, finances, and productivity in minutes instead of months. Inspire listeners through her entrepreneurial journey, professional pivots, and personal resilience. 2. High-Level Summary Alicia Lyttle returns to the show two years after her last appearance, now positioned at the forefront of the global AI movement. She explains how her work has shifted from annual summits to monthly AI Business Summits, teaching tens of thousands of entrepreneurs how to use AI hands‑on for content, marketing, operations, and scaling. She breaks down how simple tools—such as NotebookLM, ChatGPT, Jasper, Gemini, and HeyGen—can turn a single piece of content into newsletters, PowerPoints, videos, study guides, and more. She stresses that AI is now accessible, especially with free versions like ChatGPT. Alicia also shares her origin story in AI, beginning with a 15‑year‑old speaker at Walmart Tech Live describing IBM Watson. This sparked her fascination and ultimately led her to pivot her entire company toward full-time AI training and consulting by 2022—despite skepticism from her peers. She details the massive growth of her brand, including 21,000+ live summit attendees and explosive social media expansion. The interview also addresses AI’s role in finance, healthcare, government, job disruption, and how individuals can future‑proof themselves. Her personal story of overcoming a restrictive ex-husband who told her she would “never speak again” underscores her powerful message: no one should silence your gifts. Now she speaks to thousands, leads major events, and helps others build new careers in AI. 3. Key Takeaways A. AI Is Evolving Fast—and So Must We AI is changing so quickly that entrepreneurs cannot afford to wait for annual updates. This is why Alicia shifted to monthly training summits. People need ongoing education to stay competitive. B. Hands‑On AI Education Is the Key Alicia doesn’t just lecture—she walks participants through real demonstrations: Uploading YouTube links Creating summaries Generating emails, mind maps, PowerPoints, quizzes, videos, and more…all from a single input. Her approach eliminates fear and teaches entrepreneurs how to use AI immediately. C. Accessibility Has Changed the Game The release of ChatGPT, especially the free version, democratized AI. Before that, tools like IBM Watson were too complex and expensive. Now anyone with a laptop and internet connection can build websites, write content, or automate business flows in minutes. [ D. The African American Community Must Lead—Not Follow Alicia emphasizes that historically, Black communities have been “last in line” in tech innovation, but this AI era presents a once‑in‑a‑generation opportunity to jump ahead.She sees it as her mission to speak everywhere Black entrepreneurs are to ensure they seize this moment. E. AI Will Replace Tasks—But People Can Future‑Proof Themselves Jobs are already shifting. Companies are laying off non–AI‑literate employees.Alicia urges people to: Become AI‑fluent Join AI committees at work Pursue certification Use AI to become their company’s internal expert “There’s no maybe—you have to learn AI,” she warns. F. AI is Transforming Every Sector: Finance, Healthcare, Government She provides insights on… AI receptionists (“Monica” and “Leslie”) that boost customer interaction to 92% Financial analysis using secure ChatGPT setups AI mental health companions Government calls for national AI leadership G. Alicia Monetizes Through Education, Certification & Consulting Her business model includes: Free monthly summits Paid masterclasses Corporate consulting AI certifications Live Atlanta workshops She teaches others to become AI consultants too. H. Her Personal Triumph Story Inspires Thousands A powerful moment is when she recounts her ex-husband saying: “There’s only one quarterback on a team—and you will never speak again.”Yet today, 1,200+ people attend her live events, and tens of thousands join her virtual trainings. Her success proves resilience and purpose overcome adversity. 4. Key Quotes On AI Opportunity “Never has there been a better time in history to start, build, or scale a business than right now.” On Training Entrepreneurs “Open your laptops… use the same prompt I use. See what results you get.” On the Power of AI Tools “You can take one episode and repurpose it into all these different content ways.” On Pivoting Her Entire Company “In 2022, I said we’re closing this business and going all in on AI.” On Being Black in Tech “My mission is to make sure our community is not left behind—but ahead of the curve.” On Personal Resilience “You will be speaking on the best stages… people will come to see you.”(A friend’s response after she was told she’d “never speak again.”) On Future-Proofing Careers “Those using AI will replace you. You have to learn how to leverage AI.” On AI as a Human-First Technology “AI plus human intelligence—that’s what takes things to the next level.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In a theological landscape that often softens sin into "brokenness," Episode 480 re-establishes the biblical category of sin as debt. Jesse Schwamb takes us into the house of Simon the Pharisee to analyze the Parable of the Two Debtors. The central argument is forensic: sin creates an objective liability against God's justice that no amount of human currency—tears, works, or religious heritage—can satisfy. We explore the critical distinction between the cause of justification (God's free grace) and the evidence of justification (love and repentance). This episode dismantles the self-righteous math of the Pharisee and points us to the only currency God accepts: the finished work of Christ. Key Takeaways Sin is Objective Debt: Sin is not merely a relational slight; it is a quantifiable liability on God's ledger that demands clearing. Universal Insolvency: Whether you owe 50 denarii (the moralist) or 500 denarii (the open sinner), the result is the same: total inability to pay. God Names the Claim: The debtor does not get to negotiate the terms of repayment; only the Creditor determines the acceptable currency. Love is Fruit, Not Root: The sinful woman's love was the evidence that she had been forgiven, not the payment to purchase forgiveness. The Danger of Horizontal Math: Simon's error was comparing his debt to the woman's, rather than comparing his assets to God's standard. Justification by Grace: Forgiveness is a free cancellation of the debt, based entirely on the benevolence of the Moneylender (God). Key Concepts The Definition of Money and Grace To understand Luke 7, we must understand money. Money is a system of credit accounts and their clearing. When we apply this to theology, we realize that "religious effort" is a currency that God does not accept. We are like travelers trying to pay a US debt with Zimbabwean dollars. The Gospel is the news that Christ has entered the market with the only currency that satisfies the Father—His own righteousness—and has cleared the accounts of those who are spiritually bankrupt. The Pharisee's Calculation Error Simon the Pharisee wasn't condemned because he wasn't a sinner; he was condemned because he thought his debt was manageable. He believed he had "surplus righteousness." This is the deadly error of legalism. By assuming he owed little, he loved little. He treated Jesus as a guest to be evaluated rather than a Savior to be worshipped. A low view of our own sin inevitably leads to a low view of Christ's glory. Evangelical Obedience The woman in the passage demonstrates what Reformed theologians call "evangelical obedience"—obedience that flows from faith and gratitude, not from a desire to earn merit. Her tears did not wash away her sins; the blood of Christ did that. Her tears were the overflow of a heart that realized the mortgage had been burned. We must never confuse the fruit of salvation with the root of salvation. Quotes Tears don't cancel the ledger. Christ does that. Tears are what debtors do when Mercy lands. Grace received produces love expressed. A creditor doesn't need to be convinced you did harm. The ledger already stands. Transcript [00:01:10] Welcome to The Reformed Brotherhood + Teasing the Parable [00:01:10] Jesse Schwamb: Welcome to episode 480 of The Reformed Brotherhood. I'm Jesse, and this is the podcast for those with ears to hear. Hey, brothers and sisters, how great is it that we have these incredible teachings of Jesus? Can we talk about that for a second? Tony and I have loved hanging out in these parables with you all, and Tony will be back next week. Don't you worry. But in the meantime, I've got another parable for us to consider, and I figured we would just get. Straight to the points, but I have to let you in in a little secret first, and that is not even Tony knows until he hears this, which parable I've selected for us to chat about. And I knew that there might come a time where I would be able to sneak in with this parable because I love. This parable, and I love it because it's so beautiful in communicating the full breadth and scope of the gospel of God's grace and his mercy for all of his children. And it just makes sense to me, and part of the reason why it makes so much sense to me is. The topic which is embedded in this is something that more or less I've kind of built my career around, and so it just resonates with me. It makes complete sense. I understand it inside and out. I feel a connection to what Jesus is saying here very predominantly because the topic at hand means so much to me, and I've seen it play out in the world over and over and over again. So if that wasn't enough buildup and you're not ready, I have no idea what will get you prepared, but we're going to go hang out in Luke chapter seven, and before I even give you a hint as to what this amazing, the really brief parable is, it does take a little bit of setup, but rather than me doing the setup. What do you say if we just go to the scriptures? Let's just let God's word set up the environment in which this parable is gonna unfold. And like a good movie or a good narrative, even as you hear this, you might be pulled in the direction of the topic that you know is coming. And so I say to you, wait for it. Wait for it is coming.  [00:03:20] Luke 7 Setup: Simon's Dinner & the "Sinful Woman" Arrives [00:03:20] Jesse Schwamb: So this is Luke's book, his gospel chapter seven, beginning in verse 36. Now one of the Pharisees was asking Jesus to eat with him, and Jesus entered the Pharisees house and reclined at the table. And behold, there was a woman in the city who was a sinner, and when she learned that he was reclining at the table in the Pharisees house, she brought an alabaster jar of perfume. And standing behind him at his feet crying. She began to wet his feet with her tears, and she kept wiping them with her hair over her head and kissing his feet and anointing them with perfume. Now, in the Pharisee, who had invited him, saw this, he said to himself saying, if this man were, he would know who and what sort of person this woman is who is touching him, that she is a sinner. Let's stop there for a second. So this incredible dinner party that Jesus attends and here is this woman. Well, all we're told is that she's a woman who's identified as a sinner. Clearly moved by the presence of Jesus clearly wanting to worship him in a very particular way. By the way, loved ones. Can we address the fact that this goes back to something Tony and I have been talking about, I dunno, for like seven episodes now, which is coming outta Luke chapter 15. This idea that sinners, the marginalized, the outcasts, the down and out, they were drawn to Jesus. Something about him, his presence, the power of his teaching drew them in, but in a way that invited vulnerability, this kind of overwhelming response to who he was. And what his mission was. And so here maybe is like any other occurrence that happened in Jesus' day, maybe like a million other accounts that are not recorded in the scriptures. But here's one for us to appreciate that. Here's this woman coming, and her response is to weep before him, and then with these tears, to use them to wash his feet and to anoint him with this precious perfume. Now, there's a lot of people at this dinner party. At least we're led to believe. There's many, and there's one Pharisee in particular whose home this was. It was Simon. And so out of this particular little vignette, there's so much we could probably talk about. But of course what we see here is that the Pharisee who invited him, Simon, he sees this going on. He does not address it verbally, but he has his own opinions, he's got thoughts and he's thinking them. And so out of all of that, then there's a pause. And I, I would imagine that if we were to find ourselves in that situation, maybe we'd be feeling the tension of this. It would be awkward, I think. And so here we have Jesus coming in and giving them this account, this parable, and I wanna read the parable in its entirety. It's very, very short, but it gives us a full sense of both. Like what's happening here? It's both what's happening, what's not happening, what's being. Presented plain for us to see what's below the surface that Jesus is going to reveal, which is both a reflection on Simon and a reflection on us as well. [00:06:18] The Two Debtors Parable (Read in Full) [00:06:18] Jesse Schwamb: So picking up in, in verse 40, and Jesus answered and said to him, Simon, I owe something to say to you. And he replied, say it, teacher a money lender had two debtors, one owned 500 in RI and the other 50. When they were unable to repay, he graciously forgave them both. So which of them will love him more? Simon answered and said, I suppose the one who he graciously forgave more, and he said to him, you have judged correctly and turning toward the woman. He said to Simon, do you see this woman? I entered your house? You gave me no water from my feet, but she has wet my feet with her tears and wiped them with her hair. You gave me no kiss, but she, since the time I came in, has not ceased to kiss my feet. You did not anoint my head with oil, but she anointed my feet with perfume. For this reason, I say to you her sins, which are many have been forgiven for. She loved much, but he who is forgiven, little loves little. Then he said to her, your sins have been forgiven, and those were reclining at the table. With him began to say to themselves, who is this man who even forgives sins? And he said to the woman, your faith has saved you. Go in peace.  [00:07:42] What This Scene Teaches: Sin, Forgiveness, Love as Fruit [00:07:42] Jesse Schwamb: What a beautiful, tiny, deep, amazing instruction from our Lord and Savior Jesus Christ. So in this just short 10 verses here, it's we're sitting inside. This dinner at Simon, the Pharisees house, and a woman known publicly only as a sinner, has shown some striking love toward Jesus, and Jesus explains her actions. Then through this mini parable of debt, two debtors, one creditor, neither can pay. Both are freely forgiven. Love flows. Then from that forgiveness. And so there's a lot within the reform theological spectrum here that helps us to really understand. I think the essential principles of what's going on here, and I just wanna hit on some of those and chat with you about those and hopefully encourage you in those as I'm trying to encourage myself. First, we get some sense about what sin really is like. We get a sense of the inability to cope with sin. We get the free forgiveness that's grounded in Christ, in Christ alone, and we get this idea of love and repentance as the fruit or the evidence, not the cause of justification. Now to set this whole thing up. [00:08:50] Why Talk About Money? Defining Money as Credit & Clearing [00:08:50] Jesse Schwamb: I do think it's so important for us to talk about money for a second, not money, like we're gonna have a budget talk, not what you spend on groceries or your vacation, not even what you do in terms of planning for your retirement or what you give to the church in way of tithe than offering none of that. I'm actually more interested to talk to you about money itself. One of the things I love to ask people. Especially when I was teaching students in money and finance is the question, what is money? And I bet you if you and I were hanging out across the kitchen table and I asked you, what is money? I'm guessing you would go in one or two directions. Either you would gimme examples of money, types of money. You might talk about the US dollar or the Zimbabwean dollar, or the Euro or the Yuan. That would be correct in a way, but really that's just symptomatic of money because that's just an example or a type of some money that you might use. And of course those definitions are not ubiquitous because if I take my US dollars and I go travel to see our Scott brothers and sisters, more than likely that money. That currency, those dollars will not be accepted in kind. There'd have to be some kind of translation because they're not acceptable in that parts of the world. That's true of most types of money. Or you might go to talking about precious metals and the price of gold or silver and how somehow these seem to be above and beyond the different types of currency or paper, currency in our communities and around our world. And of course, you'd be right as an example of a type of money, but. Gold itself, if you press on it, is not just money, it's describing as some kind of definition of what money is. The second direction you might take is you might describe for me all the things that money is like its attributes. Well, it must be accepted generally as a form of currency. It might must be used to discharge debt or to pay taxes, or it must have a store of value and be able to be used as a medium of exchange. And you would be correct about all of those things as well because. Probably, whether you know it or not, you're an expert in money because you have to use it in some way to transact in this lifetime. But even those are again, just attributes. It's not what money is in its essential first principle. So this is not like an economics lecture, I promise, but I think it is something that Jesus is actually truly drawing us to, and that is the best definition of money I can give, is money is a system of credit accounts and their clearing. It's a whole system of credit accounts and their clearing. So think of it like this, every time you need something from somebody else. Anytime you wanna buy something or you wanna sell something, what's happening there is somebody is creating a claim. So let's say that I go to the grocery store and I fill up the cart with all kinds of fruits and vegetables and meats, and I'm at the counter to check out. What I've just done is said that I have all of these things I would like to take from the grocery store, and now the grocery store has some kind of claim because they're handing them over to me and I need a way to settle that claim. And the way that I settle that claim is using money. It is the method that allows us to settle those transactions. And in my particular instance, it's going to be the US dollar, or maybe it's just ones and zeros electronically, of course representing US dollars. But in this case, the way I settle it is with money and a particular type of money. But, and I want you to keep this in mind 'cause we're gonna come back to it. This is my whole setup for this whole thing. The reason why this is important is because you have to have the type of money. That will settle the debt or settle the creditor. You have to have the thing itself that the creditor demands so that you can be a hundred percent released from the claim that they have on you. If you do not have exactly a. The type of money that they desire, then the debt will not be released. The creditor will not be satisfied. You will not go free, and that it's so critically important.  [00:12:52] Sin as Objective Debt: God Names the Claim [00:12:52] Jesse Schwamb: I think it's just like this really plain backdrop to what's happening here When Jesus addresses Simon with this whole parable. So he starts this whole idea by saying to Simon that he is something to say to him, which I think in a way is profound anyway, because Simon invites him to speak. But Jesus here is taking the initiative. Simon is the host. He socially, as it were, above this sinful woman. But Jesus becomes the true examiner of the heart in this parable. What we have is. Christ's word interrupts self-justifying narratives, and clearly there was a self-justifying narrative going on in Simon's head. We know this because we're privy to his thoughts in the text here. The gospel does not wait here for the Pharisee to figure it out, the gospel lovingly correct. Always goes in, always initiates, always intervenes as Christ intercedes. And here, before any accounting happens, Jesus sets the terms. God is the one who names the debt, not the debtor. And this really is probably the beating hearts, the center of gravity of this whole exchange. I love that Jesus goes to this parable. Of a money lender, a money lender who had two debtors, one owned, 500, one owned 50. Now of course, I would argue that really, you can put this in any currency, you can translate into modern terms, you can adjust it for inflation. It doesn't really matter. What we have here is one relatively small debt, another debt 10 times the size. So one small, one large, and that's the juxtaposition. That's the whole setup here. And I would submit to you something super important that Jesus does here, which flies in the face of a lot of kind of just general wishy-washy evangelicalism that teaches us somehow that sin is just not doing it quite right, or is just a little brokenness, or is just in some way just slightly suboptimal or missing the mark. It is those things, but it is not the entirety of those things because what's clear here is that Jesus frames sin as debt. In other words, it's an objective liability. A liability is just simply something of value that you owe to somebody else. And I am going to presume that almost everybody within an earshot of my voice here all over the world has at some point incurred debt. And I think there's, there's lots of great and productive reasons to incur debt. Debt itself is not pejorative. That would be a whole nother podcast. We could talk about. Maybe Tony and I sometime, but. What is true is that debt is an objective liability. The amounts differ, but both are genuinely in the red here. And what's critical about this is that because debt is this objective reality, whenever you enter into an arrangement of debt, let's say that you borrow some money to purchase a car or home or simply to make some kind of purchase in your life, that's unsecured debt. In all of those cases, the. The one lending you the money, the creditor now has a claim on you. What's important to understand here is that this kind of thing changes it. It provides way more color and contrast to really the effects of what sin is and what sin does in its natural accountability. And so in this way we have this nuance that there are differences in outward sin and its social consequences. That is for sure that's how life works, but all sin is ultimately against God and makes us debtors to divine justice. That is now God has a claim against us. And this shouldn't make sense because unless we are able to satisfy that claim, all have that claim against them all have sinned and fall short of the glory of God. And as a result of this, it's not just that we somehow have lived a way that is just slightly off the mark and suboptimal, but instead that we've heaped up or accumulated for ourselves an objective liability, which is truly. Owed to God and because it is truly owed him, he's the one who can only truly satisfy it. This is why the scripture speak of God as being both just and justifier. That is a just creditor ensures that the debt is paid before it is released, and the one who is justifier is the one who pays that debt to ensure it will be released. God does both of these things through Jesus Christ, our Lord. Praise be to his name. So here we have a really true understanding. Of what sin is. There's no mincing of words here. There's a ubiquity in all of our worlds about money lending and borrowing, and Christ leans into that heavily. We know for a fact that the ancient Mesopotamians learned how to calculate interests before they figured out to put wheels on car. And so this idea of lending and borrowing and indebtedness, this whole concept has an ancient pedigree, and Jesus leans into this. And so we have this really lovely and timeless example of drawing in the spiritual state into the very physical or financial state to help us understand truly what it means when we incur sin. Sin is not easily discharged, and just like debt, it stands over us, has a claim on us, and we need somebody to satisfy that claim on our behalf. By the way, this gets me back to this reoccurring theme of we need the right currency, we need the right money, as it were to satisfy this debt only that which is acceptable to God through Jesus Christ. Our Lord, by the power of the Holy Spirit is what will be acceptable in payment in full for this kind of debt. And so that's again, this whole setup, it's the spiritual realm being immediately kind of dragged into this corporal reality of the balance sheet, assets and liabilities, things of value that we owe to someone else. [00:18:50] Unable to Repay: Free Cancellation, Justification by Grace [00:18:50] Jesse Schwamb: Notice in Luke verse 42, that the reason why it's important to understand the full ferocity, the ferocious of sin and the weight of the debt that it incurs upon us, is that it cannot be repaid no matter what. So look at both of these borrowers. Neither could repay. Neither could repay. So think about that for a second. It doesn't even matter how much they owed. Both were way beyond their ability. It's not merely they didn't want to, but they didn't have the resources in the spiritual state. In other words, there was no surplus righteousness to pay God back and the creditor's action here is free cancellation grace, not a negotiated settlement, but free cancellation. So whether it was 50 or 500, it was irrelevant to the fact that these borrowers just like you and I, have nothing within our means, our wherewithal to actually satisfy the this cosmic debt that we have rightfully incurred against God. And so you should be hearing this align so closely with justification By Grace, God doesn't forgive because we eventually scraped together payment. He forgives because he's gracious and in the full biblical picture because Christ pays and bears that penalty. So this isn't, we have somehow, as you've heard, sometimes in kinda very again, wishy-washy, evangelical ways that we've somehow come forward at the right time. To receive from God some kind of gift or that we've somehow elevated ourself to the place of the deserving poor, or that we come with our own extended arms, empty, but outstretched so that we might receive something from God, in part because we make ourselves present before him, not loved ones. It's far better than that. It's not being able to pay and Christ saying, come and buy. Not being able to put food on the table and him saying, come and eat. It's him saying, you who are thirsty, come and drink from the fountain of life freely and unreservedly. Not because you have some way deserved it, because in fact you desperately do not. And because God has made a way in Christ a way that we could not make for ourselves, he's paid a debt that we just could not repay. It doesn't matter what it is that you think is outstanding against you. The fact of the matter is you cannot repay it. And so of course, that's why Paul writes in Ephesians, it's by grace through faith and not by works that you've been set free in the love of the Kingdom of Christ, that all of these things have been given to you by God because he loves you and because he's made a way for you. You may remember that when Tony and I spent some time in the Lord's Prayer. That we really settled, we sunk down into what we thought was the best translation of that portion where we come to forgiving debts and forgiving debtors, and we settled on that one because we feel it's the most accurate representation of the actual language there in the text. But two, because that language also comports with all this other teaching of Jesus, this teaching that. Emphasizes the debt nature of sin, and that when we think about the fact that we in fact have a giant loan or a lease or an outstanding obligation, something that has been that our souls ourselves in a way have been mortgaged. And we need a freedom that breaks that mortgage, that wants to take that paper and to satisfy the payment and then to throw it into the fire so that it's gone and no more upon us. That because of all of that, it's appropriate for us to pray that we be forgiven our debts, and that, that we, when we understand that there's been a great debt upon us, that we are willing to look at others and forgive our debtors as well. And so you'll see that in, I'd say it looks like verse 43 here, Simon answers. Jesus question appropriately. Jesus basically pegs him with this very simple, straightforward, and probably really only one answer question, which is, which one do you think loved the creditor more? Which of these borrowers was more ecstatic, which appreciated what had been done more? And of course he says, well, the one with the larger debt, that that seems absolutely obvious. And Jesus essentially here gets Simon to pronounce judgment and then turns that judgment into a mirror. This is brilliantly what Jesus often does with these parables, and to be honest, loved ones. I think he still is doing that today with us. Even those of us who are familiar with these parables, they're always being turned into a mirror so that when we look into the, the text we see ourselves, but like maybe whatever the opposite of like the picture of the Dorian Gray is like, well, maybe it's the same as the picture. You know, this idea that we're seeing the ugliness of ourselves in the beauty of Christ as he's presenting the gospel in this passage. And the issue of course here is not whether you and I or Simon can do math. It's whether Simon will accept the implication and you and I as well, that we are a debtor who cannot repay. That. That's just the reality of the situation.  [00:23:44] The Mirror Turns: Simon's Little Love vs Her Overflowing Gratitude [00:23:44] Jesse Schwamb: And so Jesus turns then, and this is remarkable, he turns toward the woman and he compares her actions with Simon's lack of hospitality, speaking to Simon while he stares intently at the woman. I mean, the drama unfolding in this quick small little passage is exceptional. It's extraordinary. And unlike some of the. Other teachings that we've already looked at here, there is something where Jesus is teaching and acting at the same time. That is the scripture is giving us some direct indication of his movements, of his direction, of his attentional focus. And here there's an attentional focus on the woman while he speaks to Simon the Pharisee. And first what we find is Jesus dignifies the woman by addressing Simon about her while looking at her. He makes the sinner central and the respectable man answerable. That's wild. And there's an angle here that still leads us back to debt, which is Simon behaves like someone who thinks that he is little debt. So he offers little love and the woman behaves like someone who knows she's been rescued from insolvency, and so she pours out gratitude. And then there's a whole host, a little list here, a litany of things that Jesus essentially accuses Simon of directly and pulls them back into this proper understanding of the outpouring of affection. That is a fruit of justification exemplified in the woman's behavior. For instance, Simon gave no kiss, and yet here's this woman. She has not stopped kissing Jesus' feet and then wiping her feet, washing his feet with her tears.  [00:25:19] Grace Received, Love Expressed (Not Earned) [00:25:19] Jesse Schwamb: Of course, in that culture, Simon withheld this ordinary honor and the woman lavish is extraordinary affection. You know, we would often call this an reformed theology, evangelical obedience. It's the kind that flows from faith and gratitude, not a plan to earn acceptance. And this is tough for us, loved ones because we want to conflate these two. It's easy to conflate these two, and we're well-meaning sometimes when we do that. But we have to be careful in understanding that there is an appropriate response of loving worship to one who has set you free. While at the same time understanding that that loving worship never should spill over and, and into any kind of self-proclaimed pride or meritorious earning. And this woman apparently does this so exceptionally well that Jesus calls it out, that all of this is flowing from her faith and her gratitude. Jesus says, Simon didn't anoint his head with oil and she anoints his feet with perfume again. Notice some really interesting juxtaposition in terms of the top and the bottom of the body here. Here's this woman's costly act, underscoring a pattern, grace received, produces love expressed. I love thinking of it that way. Grace, perceived, excuse me, grace received produces love expressed.  [00:26:39] Sin as Crushing Debt: Why It Must Be Paid [00:26:39] Jesse Schwamb: That is the point that Jesus is driving to here, that if we understand the gospel and the gospel tells us that there is a law. That we have transgressed and that this law has accumulated in all of this debt that we cannot pay. And so the weight of this means not just that, oh, it's, it's so hard to have debt in our lives. Oh, it's so annoying and inconvenient. No, instead it's oppressive. This debt itself, this grand burden is over our heads, pushing down on our necks, weighting us down in every way, and especially in the spiritual realm. And because of this, we would be without hope, unless there was one who could come and release us from this debt. And the releasing of this debt has to be, again, an A currency acceptable to the debtor, and it has to actually be paid. There's no wiping away. There's no just amnesty for the sake of absolve. Instead, it must be satisfied. And the woman here has received this kind of extraordinary grace has acknowledged, and by the power of the Holy Spirit, through opened eyes and unstopped ears and a clean heart, has been able to understand the severity of the situation. And then this produces in her love expressed, which again is not the means of her justification, but certainly is one of the fruit of it. And Jesus explains then the reason for her response.  [00:27:58] Forgiveness First: Clearing Up Luke 7's Logic [00:27:58] Jesse Schwamb: The reason why Grace received produces love expressed is because she and her many sins have been forgiven. Hence, her love is great, love the one forgiven, little forgives little. I think sometimes that verse is often misunderstood as if. Her love caused her forgiveness. But again, we want to hear clearly from Jesus on this. The logic he gives is forgiveness, leading to love. Love is evidence or fruits. And so her love is the sign that forgiveness has already been granted and is truly possessed, not the purchase price. And Simon's Lovelessness exposes a heart still clinging to self-righteousness, acting like a small debtor who doesn't even need mercy, like one who doesn't understand that they will never, ever be able to repay the thing that is over them. You know, I love that John Val is often quoted along the lines of something like this. Those forgiven much will love much. And in his writing to me, he captures so much of this moral psychology of grace and I think there is a psychology of grace here. There is a reasonable response. That moves us by the power of the Holy Spirit, from deep within this renewal of the man, such that we express our love to God in all kinds of ways. I think especially in our age, on the Lord's day, in acts of singing through worship and meditation, through worship, and listening through worship and application, through worship, all of these means in particular as our expression of what it means to have been received, having received grace, producing a loving response. [00:29:36] "Your Sins Are Forgiven": Jesus' Divine Authority [00:29:36] Jesse Schwamb: I love that all of this ends as it draws to a close. Jesus speaks these incredible words. He tells her that her sins are forgiven. You know, notice here that Christ speaks an authoritative verdict. This is justifying speech. It's God's court declaration. It's not some like mere the therapeutic. Like reassurance here. It's not like whistling in the dark. It's Jesus himself saying This woman has been forgiven. Blessed is the one whose sins are forgiven. And of course, like so many other times in Jesus' ministry, and I have to imagine by the way, loved ones that this question got asked all the time, and not just on the occasion in which it was a court of us in scripture, but the other guests ask the right question and that question is. Who is this? Who even forgives sins, and that is the right question. Only God can forgive sins against God. Jesus is implicitly claiming divine authority. Now, we finally arrived. This is God's currency. This is the currency or the money, so to speak, that is desperately needed, the only one acceptable to discharge the debt, the cosmic treason that has been done against God himself. So because of that, here's Jesus making the claim that the way that you are led out, the way that you are set free is through me. So even here in the course of just this confronting Simon speaking about sin, he's also providing the way he's saying, I am this way, I am this truth. I am this life. Come through me. [00:31:14] Jesus the Greater Moses: The Gospel as Exodus [00:31:14] Jesse Schwamb: What I find amazing about this is in the beginning. With Adam and Eve, they transgress God's law. And from that day in all days forth, we have been building this massive sin, debt that we cannot repay. And part of the, the repercussions of that debt were for Adam and Eve to be driven to be Exodus as it were, out of the garden. And ever since then, the grand narrative of the redemptive history of God's people has been an exodus instead. Not out of what is idyllic, not out of perfection, but instead. Out of sin, out of bondage, out of sin and death and the devil and the deaths that we have incurred. And so here we have Jesus representing. He is the, the new and better Moses, he is the exodus, so to speak, who comes and grabs us by the hand almost as in the same way that the angelic representations in the story of la. And Sonor grabbed his hand to pull him, maybe even kicking him, screaming. Out of that sinful place, into the glorious light, into safety and security out from underneath this grand debt that we cannot repay. I think of Jesus's acal meeting with Moses and Elijah on the mounts of transfiguration. That's also in Luke, right? And Luke tells us that they spoke of his deceased, which he was about to accomplish at Jerusalem. And the word deceased there literally means Exodus. In Jesus, God would affect an infinitely greater deliverance than he had under Moses. And then interestingly, we see that even in all the way back in Psalm 23, you know David, he's writing as a rescue sinner who has been brought out. Brought to the Heavenly Shepherd, into the security and freedom of a sheep hold in love ones I submit to you. That is what Jesus is after here. He's after it in your life and he's after in mind that there is death, and he wants to take us out from underneath that debt by paying it off that he is the rescuer, the one who is just and justifier that he's the greater Moses, and that he leads us into Exodus. So we are transferred into the kingdom of a light. And that kingdom of light is also a kingdom of lightness in the sense that what was once a burden on our back, like it was for Pilgrim, has now been taken off. And so we are free. In that freedom, in that financial freedom, in that spiritual freedom as it were, to use both of the sides of this metaphor. What we find is our response is appropriately one of worship, that we weep and we cry for who we were, that we rejoice for who God is, and that we come proudly into His kingdom because of what he has done. And this changes us. It messes us up. You know, I think we've said before that. The joy of the Christian life of Christian lives is that the transformation process that God undertakes in each of us is very different, and some honestly are more dramatic than others. But what I think is always dramatic is one, the scripture tells us that it is a miracle. That even one would be saved. So hardhearted are we, and again, so great this debt against us that when God intervenes all get what they deserve. But some get mercy. And if we have been the ones who have received mercy, how joyful ought we to be toward the one who has granted it to us? And so here we have Christ, the the one who delivers, the one who leads out, the one who pays off, the one who pays it all.  [00:34:45] Behold the Cross: What Sin Costs, What Love Pays [00:34:45] Jesse Schwamb: I think what's clear is that the cross gives us this sense when we look upon it of just how deep and dark and heavy sin is, and that there is no easy way out of it. That what we find is that sin constantly wants to drag us down. It constantly wants to take us farther than we wanted to go, and it certainly costs us way more than we were willing to pay. So I think if we come and we behold the wood, if we behold the nails, if we look on this crown pressed into the brow that knew no guilt or disobedience, if we, not in our mind's eye, but by faith, behold, the hands that open, the blind eyes now being opened by iron. If we see the feet. Walked toward the hurting, now fixed in place for the healing of the world. If we look at the thirst of the one who is living water and the hunger of the one who is the bread of life, we ought to see the one who here, even in this passage, is just and justifier, and he invites us to say with him, come witness the death of death in the death of Jesus Christ. That is the glorious mission, right? As as, um, Horatio Spafford said, my sin, oh, the bliss of this glorious thought. My sin not in part, but the whole is nailed to the cross, and I bear it no more. Praise the Lord. Praise the Lord. Oh my soul of ones. This is the beauty of, I think of what Jesus is, is teaching here. It's the lamb. It's the one promise on the mountain provided in place of Isaac. It's the Passover marked with Crimson death passing over doors that were covered. Here's the suffering. Servant despised and rejected a man of sorrows. Who here is one who is truly well acquainted with grief? When we see Jesus lifted up, lifted up on the cross, lifted up between heaven and earth. Here the instrument of exalted torment but also unexpected triumph, the perfect God man, lifted up between earth and heaven, lifted up in shame so that we might be lifted up in grace, lifted up in cursing. We might be lifted up in blessing lifted up in Forsakenness so that we might be lifted up in divine communion with God the father lifted up to be stared at as he presents himself here, so that we could finally see what sin costs and what love pays. That is everything that he's teaching us in this passage, and I hope that you are as encouraged about this as I am because. When I think about the gospel framed in this way with the full severity of its repercussions, thinking about sin as debt objectively as a liability, that must be satisfied. My heart is instantly warmed, and I think the warming of that is not because this manufactured some kind of sentimentality around this, but there is something about this that's so resonant to me that in my professional career, in my business, I'm intimately familiar with, with debt and understanding how to manage it, but also the dangers of it. And what a liability it truly is. And so when I hear that sin not just is like this, but is this way, it makes complete sense to me and I see that this is really the, the true way that we ought to understand, I think the gospel message.  [00:38:18] Key Takeaways: Debt, Currency, and Canceling the Ledger [00:38:18] Jesse Schwamb: So here's what we should remember. Debt highlights objective guilt. I think I've said that a bunch of times and I just feel like it's, it bears repeating one last time. Sin is not only damage, it is consequences, but it's also a liability. A creditor doesn't need to be convinced you did harm. The ledger already stands and the ledger against us is not on our side. Loved ones. We are deeply in the red, and it really doesn't matter what the balance is because we just cannot repay. So it's really about our lack of ability, our inability, the no, we have no capability to pay this, and so it doesn't matter. We find ourselves in a place of hopelessness no matter what, and this debt highlights that inability none of these particular borrowers could repay. It's devastating to moral pride. We lean on this in our reform theological perspective. Even our best works can't erase guilt or generate merit sufficient to square the accounts. It's impossible. It's impossible with two ways, and this is some, I think really like the beautiful nuance of what Jesus after here in the one way that we are enabled to do this. Is because we just actually cannot earn enough. So in other words, the debt is too big. So think of the biggest number in your head that you could possibly think of, and that's at least minimally the outstanding debt. But then think about this. You don't even have the right currency. So you might find that you spend your entire lifetime working to the bone. It's like finding out that you have a million dollar loan or lien against you, and you work hard all your life, 50, 60, 70 years. And finally, on your deathbed, you've assembled enough cash with all of your savings to put toward and finally satisfy. So you might die in peace with this $1 million free and clear from your account, and you turn over the money and the creditor says, what is this currency? I won't accept this. I can't accept this. How debilitating. So it's not even the size of the debt. It's also that we don't have, we cannot earn the right currency. Only. God. God. I think this debt also highlights grace as cancellation. Forgiveness is not God pretending the debt doesn't exist. It is God releasing the debtor. This is him in triumph, being the greater Moses who walks us out through the waters outside of the city into the glorious light and the broader New Testament explains how God can do that justly. The charge is dealt with through Christ. You can go check out Colossians two. Read the whole thing of Love it. It's fantastic. I think lastly, this debt explains love, as shall we say, like a downstream effect. People love a little when they imagine that they have little needs and people love much when they were spiritually bankrupt and then freely pardoned freely in that it didn't cost you and I anything, but of course it cost our Lord and Savior everything, and so. In this way, our hopes to frame the fact that our love should be an outpouring of gratitude, uh, for the grace that God has given us through Jesus Christ.  [00:41:28] Putting It Into Practice: Don't Compare Debts, Watch for "Simon Symptoms" [00:41:28] Jesse Schwamb: Here's some things I would say that we should all walk away with to help us then both process what we've talked about here, and also put some of this into action. First thing would be, don't measure your need by comparing debts horizontally. That's a fool's errand, whether 50 or 500. The point is we cannot pay. And this levels the Pharisee and the prostitute alike. That is like Tony talked about elsewhere in the previous Luke 15, where we're talking about the PR prodigal of the father, the prodigal of the two lost sons. How there's like a great insult against the Pharisee there. And here's the insult, it's also a little bit cutting to us, and again, that the Pharisee and the prostitute are alike. Can't repay. It Doesn't matter what debt you think you have in the corporal sense, or again in this horizontal means, but you cannot repay it. And so therefore, guess what? We're all like, we need to let forgiveness lead and we need to let love follow. If you reverse that order like I'll love so I can be forgiven. You crush assurance and you turn the gospel into wages and that's again exactly I think what Jesus is against in this. He's making that very clear. The, the beauty of the gospel is this receiving that Christ has done all these things that we, uh, find ourselves by his arresting, by again, his intervening by his coming forward. He does all this on our behalf. You've heard me say before, I always like take that old phrase, what would Jesus do? That question that was on everybody's bracelets and everybody's minds and what, two decades ago? And turn that answer into what would Jesus do? Everything And it's already done. We need to watch for Simon symptoms. That's my clever way of saying this, like low love, high judgment. A chilly heart toward Christ often signals a warm heart towards self justification. And so we wanna be about the kind of people that are closely king, clinging to Jesus Christ as all of our hope and stay that the strength for today and hope for tomorrow comes from what Christ has already accomplished on our behalf. And therefore, there is a dutiful and meaningful and appropriate response for us. But that response again, is not obedience for merit. It is obedience out of warm heartedness for our savior. And for a sincere repentance because a sincere repentance is not payment. It's agreement with God about the debt. Tears, don't cancel the ledger. Christ does that. Tears are what debtors do when Mercy lands, and I think in some way the challenge here is that have we really meditated on the life of this woman and then more personally on our own experiences on what it means to be saved? Well, I'm not asking you to get yourself worked up into an emotional state, but what I am asking all of us to do is. Have we spent enough time recently meditating on what it means that Christ has set us free, that we are incredible debtors, and that Christ in our own ledger in this way hasn't just wiped out the debt, but he's filled up the account with righteousness. And so we can exchange these horrible soiled garments for garments of praise. Now, have we thought about that recently? The call here is to be reminded. That sincere repentance is an agreement with God about the debt, and in that agreement we're sensing that weight. There should be a response.  [00:44:42] Final Charge + Community & Support (Telegram / Patreon) [00:44:42] Jesse Schwamb: So I leave it to you loved ones, you've heard it here, or at least you've heard me talk for a little while about this parable. And maybe one day, maybe there'll be an episode one day about Tony's perspective on this, which I can't imagine will be too much different. But again, I saw my opportunity, loved ones. I said, oh, I'm gonna sneak in hard on this one because this one is particularly meaningful and special to me, and I hope that even though it involved a little bit of economics and maybe a lot of finance, that it didn't lose its resonance with you. I think this is the great weight of the way in which Jesus teaches that he's not just using practical means. But he's using these things to give greater weight and flesh, as it were, to these concepts of a spiritual nature that sometimes feel ephemeral. Instead, he wants them to sink in heaviness upon us. And I wanna be clear that. This whole parable is both law and gospel. It is the weightiness and the sharp edge knife of the law which cuts against us. And Jesus throwing his weight around literally at this dinner party and in this parable, and you and I should feel that weight. It should knock us around a little bit. And then. And then comes the reminder that there is good news and that good news, which is the gospel of Jesus Christ, is that he has made a way that the debt that was incurred against us, that we ourselves added to, that we continue to want to try to borrow against, that Jesus has, in fact paid that debt in full and that he's done so in the currency of his own flesh and blood and his own passive and active obedience so that it may be paid in full. It's true what the hymn says. Jesus paid it all, all to him. I owe. So I hope loved ones that you'll be encouraged with that message that it is both law and gospel, but it ends in this high and elevated state, which is we have been made together alive with Christ for his own sake, for his glory, and for our good. So now that you know that go out into the world and live that way, meditate on that, enjoy that. Talk about it with a family member or a brother and sister, or you can talk about it with us. You didn't think that we'd get this far without me even a plug for telegram, did you? So if you. Haven't listened to us before, or if this is your 480th time, I say welcome and also come hang, hang out with us online. You can do that by going to your browser and putting in there. T me slash reformed brotherhood. T. Dummy slash reformed brotherhood, and that will take you to a little app called Telegram, which is just a messaging app. And we have a closed community in there, which you can preview and then become a part of. And there's lots of lovely brothers, sisters from all over the world interacting, talking about the conversations we're having here, sharing prayer requests, sharing memes, talking about life tasting foods on video. It's really. Absolutely delightful, and I know you want to be a part of it, so come hang out. It's one other thing you can do. If at any point you felt like this podcast, the conversations have been a blessing to you, may I ask a favor, something at least for you to consider, and that is there are all kinds of expenses to make sure that this thing keeps going on. Keeps going strong. And there are brothers and sisters who after they've satisfied their financial obligations, have said, I want to give a little bit to that. So if you've been blessed, I'm what I can I boldly ask that you might consider that it's so many people giving so many tiny little gifts because all of these things compound for God's glory in the kingdom. And if you're interested in giving to us one time or reoccurring, here's a website for you to check out. It's patreon.com. Reform Brotherhood, P-A-T-R-E-O n.com, reform slash reform brotherhood. Go check that out. Alright, that's it. Loved ones, you know what to do. Until next time, honor everyone. Love the brotherhood. 

Most real estate investors have never heard of surety bonds, yet these little-known financial tools can determine whether a project finishes on time—or falls apart. In this episode, Brian Hamrick talks with Gary Eastman, attorney turned entrepreneur and founder of Axcess Surety and Swiftbonds, two of the nation's leading surety bond brokerages. After 17 years as General Counsel for Fortune 500 companies, Gary discovered how surety bonds quietly drive the $22 billion construction and development industry. Gary explains why every developer, investor, and property owner should understand how surety bonds protect capital, guarantee performance, and keep projects moving even when contractors fail or materials run short. You'll learn: What a surety bond actually is—and how it differs from insurance How surety bonds protect investors from contractor default, liens, and delays Real-world examples of bonds preventing multimillion-dollar losses Why material shortages and labor constraints are making bonds more essential than ever How lenders are beginning to require bonds for new development projects The cost-benefit math behind when to bond and when not to How Gary uses AI to analyze project data and identify emerging risks in real estate If you're investing in multifamily, development, or rehab projects, this conversation will change how you think about risk management in real estate.

Divorce season is in full swing, and for many listeners, that means overwhelm, fear, and financial uncertainty. Susan Guthrie welcomes back two of her favorite returning experts, Karen Chellew and Catherine Shanahan of My Divorce Solution, to talk about what truly matters in the earliest days of divorce: financial clarity before legal action. Divorce may be a legal process, but in the beginning, it feels emotional and financial. Fear can drive rushed decisions. Anger can fuel unnecessary conflict. And too often, people hire attorneys before they understand what they actually own, owe, or need. Karen and Catherine specialize in helping individuals slow down, gather the facts, and understand what is truly in the marital “pie” before anyone starts slicing it up. Through their structured preparation platform and signature MDS Financial Portrait™, they help people turn panic into power and confusion into confidence. This conversation is about avoiding early mistakes, preventing unnecessary legal costs, and building a foundation that supports smart, informed decisions from day one. What You'll Learn Why divorce should often begin with financial clarity, not immediate legal action How emotional agreements like “you keep the house, I'll keep my retirement” can create long-term financial damage What really happens when couples rely on spreadsheets without full documentation The difference between financial literacy and financial empowerment during divorce How understanding the financial impact of decisions allows you to pivot confidently during negotiations Why assembling the right professional team depends on first understanding the complexity of your financial picture Episode Blog Article:  What Is the #1 Financial Mistake Before Filing for Divorce? Free Episode Resource: Before You File: Divorce Financial Readiness Checklist About the Guests  Catherine Shanahan, CDFA After 25 years in the financial industry, having raised five children and endured her own experience with divorce, Catherine became a Certified Divorce Financial Analyst (CDFA), trained Mediator and Daily Money Manager(PDMM). Catherine is collaboratively trained and was a member of the Bucks County Collaborative Law Group. She is a member of the  American Association of Daily Money Managers (AADMM) the Institute for Divorce Financial Analysts, and the Association of Divorce Financial Planners (ADFP). Catherine is fully dedicated to helping clients understand and navigate all aspects of divorce including planning a secure financial future post-divorce.  Karen Chellew, Legal Liaison  For over 30 years, Karen has worked in the legal field as a paralegal and business manager. During her career, she served as an affiliated member of the Pennsylvania Bar Association and President Elect of the ALA (Association of Legal Administrators). Karen now serves clients and the professional team in her role as legal liaison. She is also a certified QDRO Administrator, Founder and President of Sisters U Foundation, and an Auditor of East Rockhill Township. As the mom of three children and one granddaughter, Karen is extremely passionate about helping women in all that she does.    My Divorce Solution Through their professional and personal experiences, Karen Chellew and Catherine Shanahan have created a unique and comprehensive process that greets divorce in a whole new way – a way that empowers those who experience this major life transition. Our mission is simple: to help people move through the divorce process with financial clarity and confidence so they can make the rest of their lives the best of their lives. The MDS Financial Portrait™ is a compilation of data and financial records utilizing the family's key and supporting documentation.  The MDS Financial Portrait provides a clear neutral snapshot of the family's marital and non-marital estate for purposes of determining alimony, child support, and the division of assets and liabilities.  This comprehensive Portrait can then be used by divorce professionals as verification of marital/non-marital assets, and the blueprint when considering various scenarios, alternatives and the resulting implications of any financial decisions. Our services, specialties and certifications help individuals and couples develop a transparent and comprehensive financial plan that will optimize the outcome of their divorce.  We meet with couples in our virtual office so we can assist you no matter where you live! Connect with Karen and Catherine of My Divorce Solution Website: http://mydivorcesolution.com Instagram: https://www.instagram.com/mydivorcesolution Podcast: https://mydivorcesolution.com/we-chat-divorce-podcast/ Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** A Special Offer from Yumiyu YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU  Code: “BEYOND” for 20% off! ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM  

In this episode, Thomas Betts chats with Muzeeb Mohammad about building event-driven microservices for financial systems. The discussion covers some of the core principles and patterns for event-driven architectures, reasons for using these patterns, and some of the challenges related to finance and other highly-regulated industries. Read a transcript of this interview: https://bit.ly/3LZAgoI Subscribe to the Software Architects' Newsletter for your monthly guide to the essential news and experience from industry peers on emerging patterns and technologies: https://www.infoq.com/software-architects-newsletter Upcoming Events: QCon London 2026 (March 16-19, 2026) QCon London equips senior engineers, architects, and technical leaders with trusted, practical insights to lead the change in software development. Get real-world solutions and leadership strategies from senior software practitioners defining current trends and solving today's toughest software challenges. https://qconlondon.com/ QCon AI Boston 2026 (June 1-2, 2026) Learn how real teams are accelerating the entire software lifecycle with AI. https://boston.qcon.ai QCon San Francisco 2026 (November 16-20, 2026) https://qconsf.com/ The InfoQ Podcasts: Weekly inspiration to drive innovation and build great teams from senior software leaders. Listen to all our podcasts and read interview transcripts: - The InfoQ Podcast https://www.infoq.com/podcasts/ - Engineering Culture Podcast by InfoQ https://www.infoq.com/podcasts/#engineering_culture - Generally AI: https://www.infoq.com/generally-ai-podcast/ Follow InfoQ: - Mastodon: https://techhub.social/@infoq - X: https://x.com/InfoQ?from=@ - LinkedIn: https://www.linkedin.com/company/infoq/ - Facebook: https://www.facebook.com/InfoQdotcom# - Instagram: https://www.instagram.com/infoqdotcom/?hl=en - Youtube: https://www.youtube.com/infoq - Bluesky: https://bsky.app/profile/infoq.com Write for InfoQ: Learn and share the changes and innovations in professional software development. - Join a community of experts. - Increase your visibility. - Grow your career. https://www.infoq.com/write-for-infoq

What does 2026 hold for humanity? According to intuitive forecasts, numerology, Chinese astrology, and ET intelligence briefings, we are entering a One Universal Year — a year of radical new beginnings.In this powerful presentation, Brad Johnson outlines why 2026 — the Year of the Fire Horse — may ignite:• Worldwide protests and government shutdowns• The collapse of centralized systems• Major financial market volatility (Bitcoin vs. Ethereum)• The weakening of mainstream media• Youth-led decentralization movements• Expanded extraterrestrial contact• A prophesied crop circle marking the lifting of suppression veils• New contactees and walk-in phenomena• Secret space system transformations and Saturn revelationsFrom global restructuring to off-world disclosure, this forecast explores the revolution of systems — political, financial, technological, and cosmic.Are we witnessing the end of centralization and the beginning of planetary awakening?Watch the skies. Watch the markets. Watch the youth.2026 may be the turning point.Join Dr. Salla on Patreon for Early Releases, Webinar Perks and More.Visit https://Patreon.com/MichaelSalla/

A New Jersey jury convicts a man of wiping out his own brother’s family in a planned killing tied to money, lies, and a collapsing business. It’s only valued at $250, but it weighs ten tons—and New York State Police say a Department of Transportation worker stole the asphalt on the clock. Drew Nelson reports. See omnystudio.com/listener for privacy information.

Spencer Jakab is an award-winning Wall Street Journal investing columnist with 30 years of finance experience who transformed from emerging markets research director into a financial journalist exposing how everyday investors repeatedly get fleeced by Wall Street's latest schemes.Episode Sponsor: Fiscal AI is a modern data terminal that gives investors instant access to twenty years of financials, earnings transcripts, and extensive segment and KPI data—use my link for a two-week free trial plus 15% off: https://fiscal.ai/talkingbillions/03:00 - Spencer's origin story: Growing up in Queens as son of Hungarian refugees, discovering investing through Peter Lynch's "One Up On Wall Street" in college, despite his late father's unsuccessful attempts to spark his interest earlier.08:00 - The accidental career path: Taking every finance class at Columbia, landing in emerging markets analysis covering post-Iron Curtain privatizations, then pivoting to Wall Street Journal journalism after a chance plane conversation led to same-day writing test and job offer.15:00 - GameStop reality check: The meme stock phenomenon wasn't the democratizing revolution portrayed on social media—it was another example of retail investors getting manipulated while believing they were "sticking it to the man."25:00 - The casino-fication of investing: How Robinhood and app-based platforms gamified trading with confetti animations and frictionless execution, making speculation feel like a mobile game rather than serious wealth-building.35:00 - Why passive beats active: Spencer explains the brutal math—only 11% of active fund managers beat the market over 30 years, and individual investors perform even worse due to fees, taxes, and behavioral mistakes.45:00 - The finfluencer trap: Social media rewards reckless investing behavior because outrageous bets generate more engagement than boring, sensible advice—creating dangerous incentive structures that harm followers.60:00 - Bots and manipulation: Modern markets face new threats from AI-generated social media campaigns pumping meme coins and stocks, making it nearly impossible to distinguish genuine sentiment from coordinated manipulation.67:00 - Defining success: Spencer's powerful reflection on career choices—turning down potential hundreds of millions to do work he loves, echoing Warren Buffett's definition of success as having people genuinely care about you when you're gone.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.

Today we learn that the Bank of Japan Announced “Foreign Bond Selloff” in Tokyo. Our old financial system needs to be broken down to make way for the new system that is planned. 00:00 Intro 01:23 The News 10:43 Foundational 15:34 Banks Seize All Deposits 16:29 Great Harvest 22:30 New Flag

Today we learn that the Bank of Japan Announced “Foreign Bond Selloff” in Tokyo. Our old financial system needs to be broken down to make way for the new system that is planned. 00:00 Intro 01:23 The News 10:43 Foundational 15:34 Banks Seize All Deposits 16:29 Great Harvest 22:30 New Flag

With gold and silver surging to eye-catching highs, Joel unpacks whether now is really the right time to jump in. Get the unvarnished truth about the risks and realities of investing in gold and silver, including their historical track record, the costs that often go overlooked, and why they're not always the golden ticket to wealth the headlines might suggest. Discover how herd mentality, FOMO, and social media hype can drive prices—and why long-term results often tell a different story. But that's not all—this episode empowers you with a practical checklist of essential questions to ask your financial advisor. Joel breaks down the crucial topics: understanding all the fees you're paying, ensuring your advisor acts as a fiduciary, grasping their investment philosophy and track record, and knowing how they'll communicate with you through the market's ups and downs. These questions are designed to help you build a true partnership and make well-informed decisions about your financial future. Whether you're a seasoned investor, just getting started, or simply curious about the latest trends in money management, this episode promises valuable insights, clear explanations, and actionable advice. Tune in to sharpen your financial acumen and make sense of your dollars—plus, find out how you can connect with Joel and his team for further guidance. Listen now to get the facts, cut through the hype, and take charge of your finances with confidence! 

In this episode, we sit down with Andy Sedora and Jeff Emrich, Partners and Financial Advisors at Vantus Wealth, to explore a more connected approach to financial planning. Born from a desire to bring clarity and collaboration to every part of clients' financial lives, Vantus Wealth is an independent RIA built on the idea of gaining a higher perspective—*vantage*—while keeping the focus on ‘us': the client, their family, and their trusted circle of professionals. Andy and Jeff share how this philosophy shapes the way they advise, partner, and help clients make confident, well-aligned financial decisions.???? Connect with Andy Sedora & Jeff Emrich: ✅ Website: https://vantuswealth.com/ ✅ Instagram: https://www.instagram.com/vantuswealth/ ✅ LinkedIn: https://www.linkedin.com/company/vantus-wealth/ Thank you for watching Lancaster Connects! This is the show about small business and small charity success in Lancaster county - we showcase the battle on Main Street, big vs. small David vs Goliath, and bring you the best of what makes Lancaster so great. ???? Want to create live streams like this? Check out StreamYard: https://StreamYard.CastAhead.net ➡️ Get your FREE copy of Ben McClure and Jeff Giagnocavo's book - "Sleep Better" https://gardnersmattressandmore.com/sleep-betterLIVE SHOW PODCAST & REPLAYS: ???? Connect with Lancaster Connects:✅ Official: https://lancasterconnects.com/ ✅ YouTube: https://www.youtube.com/@LancasterConnects ✅ LinkedIn: https://www.linkedin.com/company/lancaster-connects✅ Facebook: https://www.facebook.com/LancasterConnectsLancaster Connects is produced by Chris Stone at Cast Ahead:  https://CastAhead.net #LancasterCounty #LancasterPA #LancasterCountyPA #LancasterConnects #Community #RetailExperience

Donal Whelton, Head of Agri at AIB, joins Stuart Childs to discuss the financial situation that Irish dairy farmers are currently in and what challenges they may face and the solutions they may require in 2026. Donal says that the Irish dairy sector is entering 2026 from a position of financial strength. Farm debt levels are nearly half of what they were in 2009. Meanwhile, farm cash balances have doubled over the same period. Overdraft utilisation in dairy is currently at its second lowest in 20 years and despite tighter milk prices this year, the sector overall has stronger balance sheets than in previous downturns. Cost inflation is now the primary financial pressure. Total dairy farm operating costs have risen by 46% since 2020 with the key drivers of this being fertiliser and energy and concentrate feed which is up 56% and now averaging 9 c/L of production cost. Production costs range from mid-30s to mid-50s c/L, creating major resilience differences between farms. Knowing your break-even milk price, preparing 2025 accounts early (especially for tax liabilities), and targeting cost control will be important this year. Finally, Donal offers some advice around being prepared for a year like 2026, he recommends financial buffers such as €500 per cow working capital available at start of year and where debt level is >€3,000/cow, hold a reserve to cover 12 months of repayments.  Farmers should complete simple forward cashflow projections (even in a notebook) to quantify funding needs accurately before approaching banks. Consider financing capital projects or tax liabilities rather than depleting cash. Banks can offer overdraft increases, term loans, interest-only options, or retrospective CapEx funding to help ease any cashflow pressures people might experience however, it is important that people identify pressure early and engage early as cashflow support is more effective when proactively structured than reactively requested. For more episodes from the Dairy Edge podcast go to the show page at:https://www.teagasc.ie/animals/dairy/the-dairy-edge-podcast/ The Dairy Edge is a co-production with LastCastMedia.com

Financial markets are closed for today's federal holiday, but retailers are open and leaning on dead presidents to move inventory. Polish bakeries across the area are bracing for the annual paczki rush, and minty magic is back at McDonald's as Shamrock Shakes usher in the St. Patrick's Day season.

Even though last year's post-election enthusiasm may be dampened by growing instability abroad and continued high prices at home, our equity markets have continued to bounce back from minor setbacks in each of the past two years. Will strong corporate earnings and the excitement around AI drive this trend forward or are geo-political concerns powerful enough to cast a shadow on the U.S. economy and our financial markets? These are just a few of the issues discussed by Tom Clifford, Doug DeGroot, and Brian Granato in this 2026 Market Outlook podcast.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, or LinkedIn.

Financial Chick 2-13-26 by JVC Broadcasting

Kyle Grieve discusses how a series of unforgettable real-world stories reveal the hidden psychological traps that derail investors. IN THIS EPISODE YOU'LL LEARN: 00:00:00 - Intro 00:03:07 - How Ronaldo's Coke incident reveals the danger of false cause and effect 00:07:44 - Why patience in investing can beat the urge to stay busy 00:09:21 - How Muhammad Ali showed the power of waiting for the perfect moment 00:12:54 - Why Bobby Bonilla's contract exposes the time value of money 00:16:02 - How the Madoff scandal proves great results can hide massive fraud 00:22:09 - Why Isaac Newton's failure reveals how FOMO traps even the smartest minds 00:27:17 - How Hetty Green shows the strength of buying value when others won't 00:36:23 - What the long SPAC history warns us about hype repeating through time 00:47:33 - How relying on autopilot in markets can quietly lead you into danger 00:52:06 - Why inflation acts like a silent force pushing your spending power backward Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Learn how to join us in Omaha for the Berkshire meeting ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠. Read Trailblazers, Heroes, & Crooks: Stories to Make You a Smarter Investor here. Follow Kyle on Twitter and LinkedIn. Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: ⁠⁠HardBlock⁠⁠⁠ ⁠⁠⁠Human Rights Foundation⁠⁠⁠ ⁠⁠⁠Simple Mining⁠⁠⁠ ⁠⁠⁠Netsuite⁠⁠⁠ ⁠⁠⁠Shopify⁠⁠⁠ ⁠⁠⁠Plus500⁠⁠⁠ ⁠⁠⁠Vanta⁠⁠⁠ ⁠⁠⁠Masterworks⁠⁠⁠ ⁠⁠⁠Fundrise⁠ References to any third-party products, services, or advertisers do not constitute endorsements, and The Investor's Podcast Network is not responsible for any claims made by them. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Ryan D. Lee is the founder of Wealth Outside Wall Street and co-creator of the Passive Income Machine. After watching his 401k get crushed in the 2008 market crash, Ryan walked away from traditional investing and built financial freedom in under 10 years using alternative assets—primarily turnkey single-family real estate. Through Money Mastery, Ryan has helped thousands of everyday investors place over 3,000 rental homes and create predictable cash flow. In this episode, Ryan breaks down how he transitioned from a six-figure corporate career to owning his time—and how you can start building wealth outside Wall Street today. On this episode we talk about: Why Ryan left Wall Street after the 2008 crash and started investing in alternative assets How turnkey real estate works and why Ryan prefers single-family homes The difference between making money and keeping money—and why most people get it wrong How to evaluate real estate deals using cash-on-cash returns Why inflation and taxes can either destroy your wealth or help build it Top 3 Takeaways It's not what you make—it's what you keep and how you turn it into passive income that buys your time back. Turnkey real estate allows you to own cash-flowing assets without becoming a landlord or property manager. Financial freedom comes from raising your financial intelligence and putting inflation and taxes to work for you—not against you. Notable Quotes “Money is really just a tool to give people more options in their life.” “I want my life to be exciting—but I want my money to be boring.” “If you take control of your money and raise your financial intelligence, financial freedom in 10 years or less becomes possible.” Connect with Ryan D. Lee: LinkedIn: https://www.linkedin.com/in/ryan-d-lee-31838b304/ Website: https://ryandlee.com/ Instagram: https://www.instagram.com/theryandlee Book: https://retirein10years.com/book Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Retiring in 2026? Don't Miss These Critical Financial To-Dos In case you missed any episodes this week, here's what we covered.

Chris Markowski, the Watchdog on Wall Street, delves into the pervasive corruption within public service and the financial sector. He discusses the media's failure to report on significant issues, the implications of political corruption, and the need for integrity in public service. Markowski highlights the absurdities of taxation, particularly the Jock Tax, and the challenges facing semiconductor production in America. He calls for a reevaluation of agricultural practices and emphasizes the importance of regulations that protect taxpayers while holding public servants accountable.

When It Makes Sense To Retire EarlyHow To Lock Your Social Security NumberHow Much Home Can You AffordInflation Drops Under TrumpBondi Congressional Hearing Was A Clown ShowThe Save America Act (Voter ID) Gets New LifeA Grandpa's Lesson About MoneyAnd Much More!!!

It's Valentine's Day, and there's nothing more romantic than talking about money with your partner. Well, maybe not. But it is important because studies show that financial acrimony can lead to marital disharmony.  Soon after they got married, Motley Fool Money host Robert Brokamp and his wife, Elizabeth, wrote what they called their financial manifesto – an agreement about how they'd manage money as a couple. Twenty-six years and four kids later, Robert and Elizabeth discuss what was in it, what worked, and what didn't.Also in this episode:-The dowdy Dow has its day, crossing 50,000 and beating the S&P 500 and the Nasdaq over the past few months-The job market is giving mixed signals, with the unemployment rate dropping – but so are job openings-The CBO projects that Uncle Sam's debt-to-GDP ratio will exceed its all-time high over the coming years-Send us your tips, tricks, and recommendations for monitoring your finances and maintaining money harmony as a coupleHost: Robert BrokampGuest: Elizabeth BrokampEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 13, 2026 – The job market is being transformed at breakneck speed by artificial intelligence, but not without challenges and opportunities. Today, on Financial Sense Newshour's Big Picture podcast we explain how millions of tech and...

He was making $300K a year, still taking calls on vacation, and still missing the moments that mattered most. Then his daughter asked a simple question that exposed the real cost of his career, and everything changed. In this episode, Joey shares the wake-up calls that forced him to rethink what success actually means, how he shifted from trading time for money to thinking like an investor, and the systems and decisions that eventually led to $50K per month in passive income. We break down why high income doesn't equal freedom, the moment he realized he was the only asset in his life, and how designing cash flow around time and optionality changed everything. If you're earning good money but still feel stuck, this conversation will challenge how you think about freedom and what it really takes to build a life you don't need a vacation from. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES

Encouraging, realistic and engouraging investment talk with Dennis Kneale, former CNBC and Fox Business Host, managing editor at Forbes and writer at the Wall Street Journal. Dennis presents a look inside the world of financial journalism as only he can do! He also gives us a sneak peek at his upcoming book, Ore-goners!  This is a must listen for anyone interested in investing and the Amercan economy.  A refreshing alternative view point concerning the investing business in America.

The Disciples Corner

Think you're protected because you meant to get the proposal signed? Think again.In this episode of the Interior Design Business Podcast, I'm continuing the conversation on financial risk, and sharing a real story from my own design studio that proves exactly why systems and boundaries must be followed every single time.From unfunded proposals to “just helping the client out,” you'll hear how even experienced designers can fall into people‑pleasing traps that lead to unpaid work, legal battles, and major stress. More importantly, you'll learn the non‑negotiable boundary that protects your money, your mindset, and your business.In this episode, I cover:A real studio story that led to arbitration over unpaid workWhy unsigned and unfunded proposals are a financial landmineHow people‑pleasing overrides systems (even for senior designers)The hidden cost of “doing a favor” for a clientWhy your systems exist to protect you, not inconvenience clientsThe exact boundary that must never be crossedHow to remove emotion from money decisionsShow notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy

See exclusives at https://SarahWestall.Substack.comProtect your assets with a company you can trust - Get the private & better price list - Go to https://SarahWestall.com/MilesFranklinAnarcho-capitalist and libertarian thinker Jeff Berwick joins the program to share his unapologetic views on how the world is structured — politically, financially, and culturally. Berwick challenges conventional narratives around government, central banking, and global power systems, offering a radically different lens on sovereignty and freedom.As the founder of multiple successful investment ventures, Berwick has built a reputation for identifying macro trends early and helping others position themselves for financial independence. His insights into alternative assets, global mobility, and decentralization have attracted a worldwide audience.Berwick is also the founder of the annual Anarchapulco conference — an international gathering of entrepreneurs, investors, and freedom-minded thinkers. The event has gained global attention and was featured in an HBO series.You can learn more and purchase tickets — including digital access — at https://Anarchapulco.com.Links and Offers Mentioned in the show:Buy quality at Quince.com/BusinessGame - get free shipping and 365-day returns! Now available in Canada too!Buy Anti AgingProtect your assets with a company you can trust - Get the private & better price list - Go to https://SarahWestall.com/MilesFranklinMUSIC CREDITS: Down to the Wire – Nonstop Producer Series: Broad Media Internet LicenseCopyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.Disclaimer: "As a journalist, I report what significant newsmakers are claiming. I do not have the resources or time to fully investigate all claims. Stories and people interviewed are selected based on relevance, listener requests, and by suggestions of those I highly respect. It is the responsibility of each viewer to evaluate the facts presented and then research each story furtherSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the Social Work Rants Podcast, host Bas Moreno engages with Catherine Moore  ⁨@SocialWorkersRise⁩  a multifaceted social worker, podcaster, and author. We discuss the challenges and innovations in the field of social work, including the launch of Catherine's new Clinical Supervisor Log, the importance of financial literacy in mental health, and the experiences of the sandwich generation. The conversation also touches on the journey of self-publishing, the power of community support, and the role of podcasting in amplifying social work voices.Takeaways1.Catherine Moore emphasizes the need for practical resources in clinical supervision.2. Self-publishing offers a streamlined way to share knowledge and resources.3. Financial literacy is crucial for mental health professionals and their clients.4. The sandwich generation faces unique challenges in balancing caregiving and personal responsibilities.5. Community support is vital for social workers navigating their careers.6. Podcasting serves as a powerful platform for social workers to share their experiences.7. Catherine's journey highlights the importance of feedback in creating effective resources.8. Mental health and finances are deeply intertwined and require attention in social work.9. Self-care and wellness are essential for social workers to sustain their practice.10. Asking for help and building a network can lead to greater success.Follow the podcast on IG at https://www.instagram.com/thesocialworkrantspodcast

Chris Markowski discusses the current state of the financial world, focusing on the job market, the impact of tariffs on small businesses, the budget deficit, government spending, and immigration reform. He emphasizes the need for a realistic approach to economic issues and critiques the political narratives surrounding them. McFadden also highlights the importance of small businesses in job creation and the challenges they face due to economic policies.

Chris Markowski discusses the harsh realities of the financial world, focusing on the retirement crisis and the trend of 'unretiring' among older Americans. He emphasizes the importance of staying engaged in work, the pitfalls of traditional financial planning, and the dangers posed by financial influencers. The conversation also touches on the issues with trading platforms and the misconceptions surrounding cryptocurrency investments. Markowski advocates for a proactive approach to financial preparation and wealth building for everyone, regardless of their financial status.

As featured on Home Sweet Home Chicago on 02-14-2026: Attorney Rae Kaplan of Kaplan Law Firm joins David Hochberg to talk about the latest changes that are coming for Parent Plus Borrowers and the impacts the new laws will have. For more information, call 312-294-8989.

Featured on WGN Radio's Home Sweet Home Chicago on 02/14/2026: Accessibility Specialist Aimee Ferrarell joins the show to highlight the benefits of going with a family-owned business like Access and warns listeners on how to spot sales tactics others use to get you to buy subpar products. To learn more about what Access Elevator can […]

We started this week's show by chatting with Attorney Rae Kaplan of Kaplan Law Firm to discuss the latest changes that are coming for Parent Plus Borrowers. Then, Accessibility Specialist Aimee Ferrarell of Access Elevator reminds listeners about the benefits of going with a family-owned business. As always, David takes calls from loyal listeners on this packed show!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim McTague describes Lancaster County's freezing tundra weather, inflation impacting Valentine's Day sales, and a significant financial windfall for local government from a new data center.1950 ALLENTOWN

Nothing says romance like a heated debate about the 4% rule. Live from the basement (which suspiciously resembles YouTube headquarters), Joe Saul-Sehy, OG, Neighbor Doug, and the panel celebrate Valentine's Day weekend the only way Stackers know how: by putting their favorite financial ideas on the hot seat. This isn't a polite discussion. It's a rapid fire "love it or leave it" showdown where popular money strategies either get roses or get shown the door. On the chopping block: Paying off a low interest mortgage early: financial freedom or opportunity cost disaster? The FIRE movement: empowering clarity or accidental misery? Lifestyle inflation: natural evolution or silent wealth killer? Real estate as passive income: dream scenario or second job in disguise? The 4% rule: reliable rule of thumb or outdated security blanket? Budgeting apps: behavior changer or digital guilt machine? Expect strong opinions. Expect pushback. Expect OG to bring spreadsheets to a knife fight. Expect Doug to stir the pot. And expect at least one take that makes you argue out loud in your car. Along the way, the crew swaps Valentine's Day plans, reviews survey results from listeners, and throws down in a trivia challenge that could shake up the leaderboard. With margin call rules in play, nobody's position is safe. What You'll Discover: Which popular financial strategies hold up under scrutiny and which ones deserve a breakup Why smart people disagree about mortgage payoff strategies Whether the FIRE movement creates freedom or just different problems The truth about lifestyle inflation and when it's okay versus when it's dangerous Why real estate investing is rarely as passive as it sounds Whether the 4% rule still works or needs serious revision If budgeting apps actually help or just make you feel guilty How to question your own financial assumptions without second guessing everything This Episode Is For You If: You want to understand WHY you believe what you believe about money You're tired of one-size-fits-all financial advice You enjoy hearing smart people debate and disagree respectfully You've been following certain money rules without questioning if they fit YOUR life You believe the most loving thing you can do for your financial plan is challenge it This episode is for anyone who doesn't just want answers but wants to understand the thinking behind them. Because sometimes the most loving thing you can do for your financial plan is break up with strategies that aren't serving you anymore. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover why inflation is lower than expected.  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.)  

Join me for a transformative live in person event in Maui on May 14-17 https://www.brianscottlive.com/hawaii-2026 Join The Reality Revolution Tribe