Podcasts about financial fundamentals

The Moneywise Radio Show and Podcast Friday, May 16th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement Guest: Janelle Capra, President & CEO of the Greater Bakersfield Chamber website: https://bakochamber.com/ email: info@bakochamber.com phone: 661-327-4421

Send us a textMaster business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/Got a brilliant business idea? Great! But can you explain your unit economics, break-even point, or burn rate? Most people can't—and that's why they fail.In this episode of Boosting Your Financial IQ, discover why financial literacy is the ultimate game-changer for turning ideas into profitable realities. From decoding lifetime gross profit to mastering the four levers of profitability, Steve reveals the essential numbers every entrepreneur and business leader must know.Don't miss out on the free tools and insights that can transform your career and business. Tune in now to elevate your financial game!Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

Send us a textMaster business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/Ever felt the panic of being promoted into a leadership role, only to realize you're expected to speak fluently in the language of numbers? You're not alone—and you don't have to wing it.In this episode of BYFIQ, discover why "faking it till you make it" is a dangerous strategy in finance. Steve shares personal stories, practical insights, and actionable tips to help you decode financial statements, master the four levers of profit, and connect finance with strategy to drive results. Don't miss this chance to transform your financial literacy and crush it in your career.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

Send us a textMaster business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/What began as a simple idea to teach financial literacy has grown beyond my wildest dreams—all thanks to you. Your support, shares, and feedback make this journey possible, and I'm truly honored to have you along for the ride.Thank you for being part of this mission. Here's to empowering even more leaders together! Cheers!Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

Send us a textMaster business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/What if a single number could transform how you think about discounts, broken tools, or even your team's decisions?In this episode, Steve reveals the "X Factor"—a deceptively simple formula that will make you rethink every dollar in your business. Learn how this tool turned his landscape company from chaos to profitability and why it can do the same for you.Don't miss out on this eye-opening method that could save your business thousands and supercharge your bottom line. Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

Contact David via email david@parallelfinancial.com Don't forget to visit www.weeklywealthpodcast.com Takeaways: Mastering financial basics is crucial for long-term success, just like athletes rely on fundamentals. Establishing an emergency fund of six to twelve months of expenses reduces financial stress. Understanding your investment risk tolerance is essential for aligning your portfolio with your goals. Consistently reviewing your insurance coverage helps protect your financial assets from unexpected events. Clarifying your money philosophy with family can guide better financial decisions in the future. Regularly check your beneficiary designations to ensure they align with your current wishes. #financialbasics #highnetworth #investing #personalfinance #weeklywealthpodcast #financialgoals #massaffluent #riskmanagement #financialstress

Send us a textMaster business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/Finance is the language of business, and becoming fluent in it can transform your life.In this episode, Steve shares a bold move: his premium financial literacy courses are now completely free. No strings attached, just top-tier content designed to help you master the skills that drive success.Don't miss this transformative announcement and the chance to level up your financial knowledge for 2025.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

In this episode of the FoundHer podcast, Carrie sits down with Jenn Wolowich, a Certified Financial Planner, whose mission is to transform the way we think about money. Through her work at Financial Fundamentals, she's created a judgment-free space where learning about money is fun, approachable, and free from shame. Jenn's passion for financial literacy is driven by her frustration with an industry that often feels intimidating and inaccessible. With a background in psychology, Jenn understands that money isn't just about numbers—it's deeply tied to our emotions and behaviours. She offers tips for creating a personalized financial roadmap and explains why the human factor matters more than math when it comes to wealth-building. Jenn's calming and supportive approach will leave you feeling empowered to take charge of your finances. Whether you're just starting your financial journey or looking to refine your roadmap, this episode will give you the tools and confidence to navigate your finances with clarity and ease.Useful ResourcesClick here to find links to follow all our guests.Click here to learn about FoundHer project & events!

Send us a textAre your KPIs driving real results—or just taking up space?In this episode of Business Strategy, discover how to set the right KPIs that align with your strategy, unlock value, and keep your team focused on what truly matters. Learn the secrets behind simplifying metrics, avoiding common pitfalls, and using a value logic tree to track what drives success.Stop guessing and start mastering your business—listen now to transform how you measure success.Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.coltivar.com/register-for-ffe-jan-8 Support the show

Send us a textIs your business truly profitable, or is it running on borrowed time?In this episode of Boosting Your Financial IQ, Steve dives into the game-changing concept of invested capital—what it is, why it matters, and how it can transform your decision-making and growth strategy. Learn how to measure efficiency, allocate resources wisely, and avoid the pitfalls that can drain your business.Tune in now to uncover the keys to smarter investments and sustainable success. Your business can't afford to miss this.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.byfiq.com/ Support the show

Send us a textIs your business strategy holding you back?In this episode, Steve explains the key to crafting a winning strategy: identifying and solving your organization's #1 constraint. Learn why less can mean more, how to focus on high-impact actions, and why jumping straight to tactics could derail your success.Tune in to discover a simple yet powerful system to drive value, foster innovation, and build long-term competitive advantages.Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.coltivar.com/register-for-ffe-jan-8 Support the show

Send us a textAre you running your business blind?In this episode, Steve Coughran, founder of Coltivar, reveals the five critical metrics you need to know to stop guessing and start growing. Learn how to optimize margins, improve cash flow, and make smarter, data-driven decisions—lessons Steve learned from scaling multi-million and billion-dollar companies.Discover the one metric that trumps them all and start building a more profitable, iconic business.Tune in now and take control of your numbers.Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.coltivar.com/register-for-ffe-jan-8 Support the show

Send us a textIn this episode of Boosting Your Financial IQ, Steve dives deep into the three critical types of profit every business leader must understand. Gross profit, operating profit, and net profit each hold the key to uncovering your business's financial health—and mastering them can set you apart in the boardroom and beyond. Discover how to decode these metrics, avoid common mistakes, and leverage the most powerful levers to improve profitability.Ready to transform your financial know-how? Tune in and take your career—and business—to the next level. Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Register for the free Financial Fundamentals for Entrepreneurs Webinar here: https://www.coltivar.com/register-for-ffe-jan-8 Support the show

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In this episode, we'll share insights on financial literacy that can help you make informed decisions, create wealth, and gain financial independence. John Cousins (@jjcousins) is an investor, tech founder, and bestselling author of Understanding Corporate Finance and over 60 other books. John is the founder of MBA ASAP, which provides training to individuals and corporations including Adidas, Apple, General Mills, Kaiser Permanente, Lyft, PayPal, Pinterest, Mercedes-Benz, and Volkswagen. John has taught MBA students at universities worldwide. Currently General Partner at Tetraktys Global, a quantitative hedge fund, he is an early investor in many successful tech companies and crypto protocols, including Databricks, SpaceX, Anthropic, Discord, Udemy, Coursera, Fastly, UiPath, Palantir, Bitcoin, Chainlink, Ethereum, and Solana. John was the cofounder of Biomoda (IPO 2006), Advanced Optics Electronics (IPO 1999), FoodSentry (epic fail), MBA ASAP, and Tetraktys Global. He holds undergraduate degrees from MIT and Boston University and an MBA in finance from Wharton. Connect with John here:  MBA ASAP:  www.mba-asap.com YouTube: https://www.youtube.com/channel/UC6nmDenZkLv34n3FtkzRwgw X/Twitter:  https://x.com/jjcousins Facebook MBA ASAP: https://www.facebook.com/MBA.ASAP        Instagram: https://www.instagram.com/jjcousinsiii/ LinkedIn: https://www.linkedin.com/in/johncousinsiii/ Grab the freebie here: https://mba.myflodesk.com/finance =================================== If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends. Thanks for watching the Financial Freedom & Wealth Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers.  QUICK LINKS:  APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-application DIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Connor Turland (@Entrecurious) is the prototypical software entrepreneur. He found a niche from a "prior life" and is now building an AI bookkeeping SaaS.Now, many founders struggle with bookkeeping, so this is your opportunity to learn more about the pitfalls and opportunities of that field from someone who speaks both "developer" and "bookkeeper."Here's Connor and how he is employing cutting-edge AI in an industry that is usually very resistant to change.Learn more about Connor at https://connorturland.com/You'll find Ceedar at https://ceedar.ai/This episode is sponsored by Paddle.com — if you're looking for a payment platform that works for you so you can focus on what matters, check them out.The blog post: https://thebootstrappedfounder.com/connor-turland-pioneering-the-future-of-bookkeeping-with-ceedar-ai/The podcast episode: https://tbf.fm/episodes/359-connor-turlandCheck out Podscan to get alerts when you're mentioned on podcasts: https://podscan.fmSend me a voicemail on Podline: https://podline.fm/arvidYou'll find my weekly article on my blog: https://thebootstrappedfounder.comPodcast: https://thebootstrappedfounder.com/podcastNewsletter: https://thebootstrappedfounder.com/newsletterMy book Zero to Sold: https://zerotosold.com/My book The Embedded Entrepreneur: https://embeddedentrepreneur.com/My course Find Your Following: https://findyourfollowing.comHere are a few tools I use. Using my affiliate links will support my work at no additional cost to you.- Notion (which I use to organize, write, coordinate, and archive my podcast + newsletter): https://affiliate.notion.so/465mv1536drx- Riverside.fm (that's what I recorded this episode with): https://riverside.fm/?via=arvid- TweetHunter (for speedy scheduling and writing Tweets): http://tweethunter.io/?via=arvid- HypeFury (for massive Twitter analytics and scheduling): https://hypefury.com/?via=arvid60- AudioPen (for taking voice notes and getting amazing summaries): https://audiopen.ai/?aff=PXErZ- Descript (for word-based video editing, subtitles, and clips): https://www.descript.com/?lmref=3cf39Q- ConvertKit (for email lists, newsletters, even finding sponsors): https://convertkit.com?lmref=bN9CZw

The Moneywise Radio Show and Podcast Friday, November 15th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management instagram: MoneywiseWealthManagement Show Notes: Visualizing Every Company on the S&P 500 Index  

In this episode of Torsion Talk, Ryan dives into the essential financial aspects for small to medium-sized garage door companies. With a focus on education, Ryan shares valuable insights to help business owners optimize their operations, boost their sales, and achieve financial sustainability. Key Highlights: 1. Business Updates and Sales Training 2. Implementing Financial Systems for Startups 3. Understanding Profit and Loss Statements 4. Seasonality, Marketing, and Profit Margins 5. Effective Pricing and Benchmarking Strategies 6. Basics of Balance Sheet and Cash Flow Statement 7. Evaluating Cash Flows and Managing Inventory 8. Efficient Inventory Management and Payment 9. Startup Loans and Lines of Credit Strategies 10. Business Loans, Growth, and Leadership Tune in to this comprehensive episode to gain valuable insights into financial management, marketing strategies, and effective business practices. Whether you're starting a new business or looking to optimize your current operations, Ryan's advice will help you achieve your goals and drive growth. Find Ryan at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://garagedooru.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://aaronoverheaddoors.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://markinuity.com/ Check out our sponsors! Sommer USA - ⁠⁠⁠⁠⁠⁠⁠⁠⁠http://sommer-usa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ Surewinder - ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://surewinder.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ Stealth Hardware - ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://quietmydoor.com/⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/torsion-talk/message

The Entrepreneurs Guide to Lawn Care Pricing: Get Your Free Guide - Click Here Order Your Copy of Paul's New Book on Amazon: How to Build a Thriving Lawn Care Business - Get it here! Learn more about envu: Click Here A World of Audiobooks Awaits: Discover the convenience of learning on the go with Audible: Explore Now Maximize Your Lawn Care Business Potential: Visit Paul's Resource Hub Discover essential resources for growing your business, including contract templates, pricing tools, and the Know Your Numbers E-Course. Explore top industry events, and more at ThePaulJamison.com Equip Expo 2024 Exclusive Discount: Unlock 50% off Equip Expo 2024 tickets with code PAUL—just $15 until Sept 5. Register Here Lawn Care Life Conference Tickets: The most actionable event you'll attend. Get Your Tickets! Enhance Your Business Operations: Ready to streamline your workflow and boost efficiency? Discover the CRM software that powers my lawn care business success. - Try Jobber Elevate Your Online Presence: Your professional website awaits! Begin your journey to a compelling online brand with - Start Your Website Journey w/ Footbridge Media The Landscaping Bookkeeper: Transform your financial management with the expertise of Megan and Joey Coberly. Learn how at Click Here For insurance inquiries, reach out to Duvall Brumby at 770-560-8762 or email duvall.brumby@pninsurance.com The Official Banking Platform for Profit First - Learn more about online banking with Relay - Click Here Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank; Members FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Adam Kroener is an award-winning 8-figure CEO, co-founder of Carbliss, which has sold 2M+ cases since its founding in 2019. He is a Startup Advisor and Veteran of the US Army. Top 3 Value Bombs 1. Many people get scared of making a lot more than the interest they were paying because we're training ourselves with the fear of the interest rather than the opportunity of the game. 2. If we as a nation are starting to understand that what we are told consistently is not best for ourselves, we have to dig deeper into that from a financial perspective and just learn how to think for ourselves, maximize and multiply each dollar rather than focus on focusing on what we're losing. 3. You're not paying taxes on any loan. It's basically a tax free income and if you're able to maximize that and bring it back within a year, you're not paying any tax and you're lessening the interest rate that you would have paid. Follow Adam on Instagram - Adam's Instagram Sponsors HubSpot With the HubSpot for Startups program, you can save 30-90 percent on a platform that scales right along with you! To see if you're eligible to join the HubSpot for Startups program and take your growth to the next level, visit HubSpot.com/startups Ziprecruiter Let ZipRecruiter help you conquer the biggest hiring challenge. finding qualified candidates. Just go to this exclusive web address right now to try ZipRecruiter for free! ZipRecruiter.com/fire Thrivetime Show Is this your year. Visit ThrivetimeShow.com to see testimonials of how Clay Clark's business coaching has helped over 2,000 entrepreneurs to dramatically increase profitability. Then, schedule your free consultation

Adam Kroener is an award-winning 8-figure CEO, co-founder of Carbliss, which has sold 2M+ cases since its founding in 2019. He is a Startup Advisor and Veteran of the US Army. Top 3 Value Bombs 1. Many people get scared of making a lot more than the interest they were paying because we're training ourselves with the fear of the interest rather than the opportunity of the game. 2. If we as a nation are starting to understand that what we are told consistently is not best for ourselves, we have to dig deeper into that from a financial perspective and just learn how to think for ourselves, maximize and multiply each dollar rather than focus on focusing on what we're losing. 3. You're not paying taxes on any loan. It's basically a tax free income and if you're able to maximize that and bring it back within a year, you're not paying any tax and you're lessening the interest rate that you would have paid. Follow Adam on Instagram - Adam's Instagram Sponsors HubSpot With the HubSpot for Startups program, you can save 30-90 percent on a platform that scales right along with you! To see if you're eligible to join the HubSpot for Startups program and take your growth to the next level, visit HubSpot.com/startups Ziprecruiter Let ZipRecruiter help you conquer the biggest hiring challenge. finding qualified candidates. Just go to this exclusive web address right now to try ZipRecruiter for free! ZipRecruiter.com/fire Thrivetime Show Is this your year. Visit ThrivetimeShow.com to see testimonials of how Clay Clark's business coaching has helped over 2,000 entrepreneurs to dramatically increase profitability. Then, schedule your free consultation

Welcome to another enlightening episode of Boosting Your Financial IQ, I'm your host, Steve Coughran. Today, we're delving into "3 Financial Terms that Will Make You Sound Smarter in Business". Whether you're discussing profit margins, capital expenditures for equipment, or my personal favorite, free cash flow, understanding these key financial terms is essential for effective communication and decision-making in the business world. Join me as we unravel the complexities behind these terms and uncover how mastering them can elevate your business acumen and enhance your ability to navigate financial conversations with confidence. Tune in to learn more and take your financial intelligence to the next level.Helpful links:Join the Strategic Financial Mastery programJoin Our Free CommunityTrain your team with an on-site workshopDisclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Support the show

Dr. Constance Craig-Mason: Preparing individuals for financial well-being —  Financial education and literacy is so important to living a financially secure and abundant life, yet so many African Americans and Latinos lack the knowledge they need to create financial success for themselves and their families.  Join Ramona as she talks to Dr. Constance Craig-Mason about how individuals in Black and Brown communities can take steps to master the fundamentals of financial empowerment.  Constance shares strategies for building a prosperous financial future.  As the CEO of Concierge Financial Advisory and an Investment Advisor Representative at Forthright Capital Partners, Dr. Constance Craig-Mason teaches her clients how to manage their money, so they can live the life they want without worrying about money. Resources: https://www.moneytalkschallenge.com  Topics: Constance's personal and professional journey into becoming a financial advisor Importance of exposure in inspiring financial empowerment Intrinsic value of financial education and literacy to living an empowered life Reasons for being intentional and clear about the life you want, so you can chart your life Insurance Investing MORE:  memories, opportunities, relationships and experiences Strategies for financial empowerment

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss how the financial fundamentals of retirement are changing and why it matters to you. The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC's 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM. _____________________ Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

Farming is a business with high capital investment and historically low margins. Successful farming depends on more than just high yields — navigating the financial aspects of the farm is crucial, especially when the farm economy tightens. We owe it to Ag's next generation to prepare them with the financial fundamentals to succeed. Nutrien Financial's John Maman discusses farm finance for the beginning farmer in this episode of Cutting The Curve. If you want your farming legacy to continue, please share this with the next generation! Presented by Loveland Products

In today's episode, we're delving into the essential financial fundamentals that every business owner should have in place to achieve financial independence and long-term stability. It's a Financial Planning 101 for business owners, designed to provide you with the tools and knowledge you need to build a strong financial foundation.Monthly email newsletter sign-up: aquilawealth.com/newsletterYou can find show notes, resources and more at: https://tinyurl.com/msfw9bcd 

This week Anthony and Cameron welcome Todd Langford, CEO and Founder at Numbers Analytic Inc. and Truth Concepts Software as well as Co-Founder of the Summit for Prosperity Economics Advisors which shows advisors how to compare and contract financial strategies. While discussing financial strategies you will learn how the Infinite Banking Concept can improve your investments. Todd is a wealth of knowledge when it comes to investing, so much so that this interview is broken up into two parts. Stay turned for next week as we will be discussing how you should be comparing investment opportunities!  Resources:  Todd Langford - https://truthconcepts.com/ Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

We are excited to welcome our mentor, realtor, and investor Bennie Clay back onto the Pursuit of Property podcast! Bennie Clay is a highly-accomplished real estate professional with over 16 years of experience in the industry. A proud graduate of Fresno State with a B.A. in Business Management, Bennie began his journey as a student-athlete, playing football at Eastern Washington University from 2001-2002. Today, Bennie holds licenses as both a real estate agent and a general contractor and has achieved multi-million dollar sales as a six-time Top Producer Award winner from 2017 to 2022. Happily married with two children, Bennie demonstrates an unwavering commitment to excellence in his career. Bennie has expertly managed a portfolio of 900 apartment units, personally built over 300 Class A apartment units, and currently owns 12 rental units. Recently, Bennie founded Rise Above Capital, a multi-family investment company with an ambitious goal of purchasing $90 million worth of properties in the next 12 months. With such an extensive and successful background, Bennie continues to be a sought-after expert in the real estate field. You can find Bennie on Instagram @bennie.clay.

Realty expert, Katlyn Ramseth, is in the studio for the Wednesday Berkshire Hathaway Podcast to discuss financial fundamentals for first-time homebuyers.    Show is recorded at Grand Forks Best Source. For studio information, visit www.gfbestsource.com   #grandforksnd #RaiseTheForks #SimplyGraND #GFisCooler #grandforksbestsource #visitgreatergrandforks #berkshirehathaway  

Welcome to episode  75 of The Numbers Game. On today's show, we chat about nailing the financial fundamentals. Understanding profit and loss, accruals basis vs cash basis, understanding debt and smart cashflow strategies. On this episode, we discuss:1 Percenters:How to understand a Profit and LossAccruals basis vs cash basisFear of debtProactive approach to cashflowSmart cashflow strategiesThe balance of profit and loss / cashflowCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD.

In today's episode we sat down with YouTuber YourFriendAndy.  Andy specializes in wealth building and financial freedom through cash flow and passive income, including small business, crypto mining and node running, as well as traditional finance.  At age 29, Andy was $86k in debt and knew he needed to make a change.  By age 36 he and his wife became millionaires for the first time, and he now shares his methods for growth with others online.  He is a great resource and educator in the space and he provided us with some sound information on how we can improve our financial health as well as how to avoid mistakes along the way.  Nothing in this show should be considered financial advice.  This show is for informational and educational purposes only.  We hope you find this information useful, and as always, thanks for listening!   Follow Andy: YouTube: https://www.youtube.com/c/YourFriendAndy Websites: https://yourfriendandy.com and https://www.zzzmoneyclub.com/ Podcast: https://www.youtube.com/channel/UCKsnm-MDc-UlgdRsHU-JiOw Twitter:  https://twitter.com/OhHaiAndy   If you found this podcast valuable, the best way to say “thank you” is to share it with others and leave us a 5-star review on Apple Podcasts or Spotify.   Want to be a part of the show? Leave us a message at https://www.speakpipe.com/move101 We'll feature and answer your questions on-air in future episodes. Contact us: Move101podcast@gmail.com Follow us on Twitter: https://twitter.com/Move101Pod Follow us on Instagram: https://www.instagram.com/move101podcast/ Listen to full episodes and clips on YouTube at Move 101 Podcast   If you are looking for high-quality 3rd party-tested supplements, we recommend TrueNutrition.com  Using our discount code “Move101” will allow you to get 5% off any order - try the Chocolate Fudge Brownie! https://truenutrition.com/p-947-rbghsoy-free-whey-protein-isolate-1lb.aspx When you buy something using our links we may earn a small commission. This is free for you and helps support the show – thank you!   Time Stamps   (00:00) Introduction (01:30) Living From Paycheck to Paycheck to Millionaire Status (05:00) Entrepreneurship and Investing Strategy (09:40) Andy's Financial Fundamentals (15:00) How to Decide Where to Invest (20:10) Andy's Biggest Lessons Learned (27:50) Balancing Risk to Reward (31:30) Investing in Yourself (41:00) Crypto and Bitcoin Mining (51:05) Is Bitcoin Mining Destroying the Environment? (01:04:35) Getting Your Spouse or Partner on the Same Page (01:07:50) What Would Andy do Differently in Hindsight? (01:09:45) Where to Find and Follow Andy (01:11:30) Call to Action   Featuring Rocky the Rooster Extreme Energy by MusicToday80: https://soundcloud.com/musictoday80/r... Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/... Music provided by Free Vibes: https://goo.gl/NkGhTg

Why is it that money can be so emotionally charged? One reason is that money often represents our worth and status in society. We may feel ashamed or embarrassed if we don't have enough money, or we may feel superior if we do. Additionally, money can be a source of stress because it's often unclear how we should use it. Should we save for the future or spend now? Is there such a thing as too much saved up? These are all questions that can lead to anxiety and stress. In this episode, wealth advocate and founder of Financial Fundamentals-Jenn Wolowich, joins me to discuss the psychology of money. We explore the difficulty in distinguishing between the person & the money - "I'm a bad person because I am terrible with money." We joke about there being no parades or confetti when we are financially responsible. Jenn vulnerably shares a personal story about wrestling with the need to rob her daughter's piggy bank. Jenn has been a money nerd her whole life. While her friends were playing barbies, she was creating a make-believe bank complete with real deposit and withdrawal slips and an even old cheque book from the neighbour. Playing bank didn't stop her from making terrible financial decisions as an adult and robbing her daughter's piggy bank to pay credit card bills. Armed with a degree in psychology, her Financial Advisor designation and her passion for consumer-debt freedom, Jenn is empowering families and individuals to take control of their finances and eliminate financial stress. If you're feeling anxious about your finances, visit financialfundamentals.ca and learn how take control of your money. Jenn will help you eliminate debt, save on taxes, protect your wealth and master your cash flow so you can rest easy about the future. To learn more about Jenn, links mentioned, and a transcript of this episode, visit: https://go2.money/fundamentals

In this episode I chat with Book-keeping/Tax expert Gloria who shares quick, valuable tips to prepare for the tax season and financial maintenance! Leave feedback on tonight's episode via voice message or email quietlyqueen8@gmail.com For more information on Boss Up Book-Keeping: bossupbookkeeping.com Follow Quietly Queen: Twitter.com/quietly_queen; Instagram.com/theeqween444; Facebook.com/podcast444 AS ALWAYS, THANK YOU FOR TUNING IN TO QUIETLY QUEEN WITH YOURS TRULY (STAY WARM) --- Send in a voice message: https://anchor.fm/queening222/message Support this podcast: https://anchor.fm/queening222/support

10X helps Entrepreneurs become FIT, RICH & HAPPY

Happy Financial Freedom Friday and HAPPY NEW YEAR. Welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. Thank You for joining along with me as we discuss the Financial Fundamentals For New Year 2021. In order to stick to these resolutions, there are a few fundamentals that everyone should take into account.Fundamental #1- Pay yourself First.Fundamental #2- Build an Emergency Fund.Fundamental #3- Pay Down Debt.Fundamental #4- Don't invest impulsively.Achieving financial freedom can be very difficult, in the face of growing debt, cash emergencies, medical issues, and overspending, but it is possible with discipline and careful planning.**Don't forget to go on Amazon to purchase my new book "The Ultimate Guide and Tips Towards Financial Freedom". I am so glad that you have tune in to the 800+ Financial Freedom Podcast. Share it with your family and friends and leave a review. And always remember 800 It's not a number, It's Financial Freedom. Be Bless!www.selenagibbons.com

Today, we discuss some basics that we need to understand in order to help us save more money and help us pay off our debts. We focus on five main ideas that are key in order to get things moving in the directions you want them to move. Setting Goals Tracking Your Expenses Identifying Spending Patterns Separating your spending from take home pay Doing uncomfortable things If you have questions email me at kelechi@ramblingmindshow.com Find me on all the socials below: www.instagram.com/kelechiwuaba/ youtube.com/leechimane twitter.com/kelechiwuaba Join Robinhood and Get a Free Stock: join.robinhood.com/kelechi15 Join M1 Finance and get $10: https://m1.finance/qdcaTAIl-bqC Morning Brew Business Newsletter: morningbrew.com/daily/r/?kid=f68225 Cover Art: www.instagram.com/bydissirama/ 1. Make a Goal -"You can't hit a target that you can't see, and you cannot see a target you do not have" Zig Ziglar -Have a big goal that you want for your life. It can be anything, it's your goal. -So it might be to buy a house or buy a car or travel or be financially independent or retire early or giving. -However, sometimes having a big goal can be scary. So the next thing to do with that goal is to break down to bite sized steps. -Set up milestones that you want to hit in 10 years, then make it 5 years, then make it 1 year, then make it 6 months, then make it 1 month, then one week. -"A goal without a deadline is just a dream" Robert Herjavec -Those milestones can become deadlines to help push you to reach your goals. -Finally review your goals regularly to see if you are progressing in the right direction. 2. Track your expenses -"If you don't know where you are going, you might wind up someplace else" Yogi Berra -At least for one month. See where all your money is going. -Just pay attention to how you use money -At the end of the month begin to categorize your spending -Separate essentials from non-essential 3. Identify your spending patterns -Payday Euphoria -Instant Gratification -Spending leaks -Emotional Spending -Found money -Impulse Purchase -Try waiting 72 hours before deciding to buy something 4. Subtract your spending from your take home pay -Before you pay for everything with a credit card, ask these two questions 1. Is this a want or a need? 2. Can it wait? -Average Interest on credit card is 18%. For every dollar you leave on your credit card it earns 18 cents of interest. 5. Moving towards your goals --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/ramblingmind/message

TheNextCMO's latest podcast is with Dan Faulkner, the CTO of Plannuh. Before being employee #1 at Plannuh, Dan worked at Nuance Communications as the Senior VP and general manager. During his 13 year tenure, Dan focused on the VP & GM voice-to-text space leading product management and strategy for global enterprise business. In this episode, we cover the importance for marketers to understand and build a relationship with finance, new terminology; the law of small change and budget burn rate, and the consequences of a marketer if they are not on top of their numbers. Dan wrote about this topic in detail in this blog post: https://blog.plannuh.com/blog/5-financial-fundamentals-that-every-marketer-needs-to-understand Dan Faulkner - https://www.linkedin.com/in/danielfaulkner/ For more info about Plannuh, check out our website

This week, we are tackling that dreadful word... business finances. I’m chatting it up with Michelle Loretta, a business planner and financial strategist at Sage Wedding Pros. Tackling everything from financial planning, online bookkeeping, forecasting and paperwork, this episode is chock full of educational tidbits every entrepreneur should have in their back pocket to make savvy and money-saving decisions in their business.  KEY TAKEAWAYS:  Math Shame  Financial Fundamentals  Finance Squad for your Business Strategy  Investment Accounts/Personal Finance  Organize Paperwork  Other Financing Software to Look At  Segmenting  Financial Forecasting 

Freedom comes from making a healthy profit. Thus, on this episode, host Nathan Shields and guest Frank Cawley, PT discuss what it takes to establish a solid financial structure and improve profits in business. They tackle the important KPIs you need to track, the financial team you should have in place, the pros/cons of owning your office space, and the reports you need to review regularly. We’re all in the PT ownership business in order to do things the way we want to do them and to make as much money as we want to make without depending on others. If we lose sight of our financials, then we’re bound to lose our business altogether (or endure a lot of stress in the meantime). Take the time to monitor your finances regularly and your business will reward you with more money and freedom. Love the show? Subscribe, rate, review, and share! Here’s How » Join the Physical Therapy Owners Club today: ptoclub.com Physical Therapy Owners Club Facebook Physical Therapy Owners Club LinkedIn Physical Therapy Owners Club Twitter

Freedom comes from making a healthy profit. Thus, on this episode, host Nathan Shields and guest Frank Cawley, PT discuss what it takes to establish a solid financial structure and improve profits in business. They tackle the important KPIs you need to track, the financial team you should have in place, the pros/cons of owning […]

With so much media making its way into our daily lives we can sometimes forget that parents are still the #1 role models for their children. This is also true when it comes to modeling a financial foundation for children that will affect them for the rest of their lives. In today’s episode, we’re doing […]

Why don't people stick to a budget? How much money does the government really take out for taxes? And what is the true cost of convenience? We cover these topics and recap a bit of the last five episodes here. This is Part 6 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

Compounding interest is a topic most people don't fully understand -- how it works both for and against them. Here we give practical examples and implications of how this works with loans, credit card and student loan debt. This is Part 5 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

Today we explain important money terms like interest, assets, credit and risk and give examples of how they affect you in real life. This is Part 4 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

The system of modern capitalism is far from perfect. Today we talk about its pros and cons, and how it compares to other frameworks, like socialism and communism. This is Part 2 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

How did the idea of currency come into existence? Why do we assign money value? Today we talk about a brief history of how modern currency came about. This is Part 3 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

You've been programmed to be a consumer and not a capitalist. Today we uncover how to become aware of this and break free of the traps to consumerism. This is Part 1 of our series in Financial Fundamentals, where we get you up to speed on critical topics you need to know about how to keep what's yours.

On this edition of the Wealth Guardians Radio show, Doug discusses financial fundamentals for the new year. The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM. Listen live or online at 945wpti.iheart.com/

Episode 68 – Financial Fundamentals – the 6 essential foundation stones for financial success SUBSCRIBE TO OUR WEEKLY EMAIL “GAINING CHOICE” TO KEEP UP WITH ALL THINGS FINANCIAL AUTONOMY Today’s episode flows from a meeting I had last week with one of you guys, a member of the Financial Autonomy community. For reasons of privacy, of course I won’t use her real name, so let’s call her Jenny. It was a first time meeting, and in it Jenny observed that she felt she just didn’t have the financial fundamentals right. As an example, Jenny pointed to having her employer continue to take out extra tax for a HECS debt, even though this debt had actually been repaid. Jenny did this so that she would get a large tax return, which she could then put to something meaningful. Essentially this was a savings strategy, but she realised it wasn’t the most efficient or profitable way to go – lending your money to the government for no interest is not ideal. So it got me thinking about what are the key financial fundamentals that really set you up for success? I came up with 6, but I’d love to hear your thoughts – let me know on either our Facebook page or via email from the financialautonomy.com.au website. 1. Cash for emergencies The number one source of financial pain I see is credit card debt. Now credit card debt can build up for a number of reasons – the search for happiness through a little retail therapy is common. But often it tips from manageable to a problem when a big unexpected expense comes in – the car breaking down, the fridge dying, or a big bill. Without having some cash up the sleeve, the credit card becomes the only solution, and the downward spiral begins. So the starting point in our financial fundamentals has to be having some cash saved to act as a cushion when life throws you the inevitable curve ball. Now if you have a mortgage, those savings could be in redraw or your offset account - it doesn’t need necessarily to be hived off in its own little bank account. But just having some cash available is essential. How much? Well, of course, it depends on your circumstances. A family with 4 kids would need a larger stash of emergency cash than a single person. But as a starting point, think of getting $5,000 put aside. This will cover most things, like a new fridge, excess on insurance, car repairs, or a flight at short notice to see a sick relative.   2. Know what you spend I’m well aware that budgeting is not a topic of fun and joy. But when you talk about financial fundamentals, having a handle on what you spend just has to be included. Most people in the Financial Autonomy community are in their 30’s and 40’s, but at times I get people in who are about to retire, usually referred by other clients. In developing a retirement plan, one of the first question I have is, how much income do you need each year to fund the retirement you want? I get a lot of blank stares. So then I ask, okay, how much are you spending now? More shrugs of the shoulder, looking at the partner, them looking blankly back – they simply don’t know. Having had these sorts of discussions for about 19 years now, I can tell you that only about 5% of people actually have a detailed budget. Far more though have a less detailed plan that might look something like: We pay $2,000 a month to the mortgage ($500 more than the minimum) We put $1,000 a month into an account we use to pay bills We put $500 each month into a savings account that we use for things like holidays And we spend the rest on normal living They haven’t broken it down into how much they spend on coffee or electricity but through trial and error, they’ve found what works. This sort of money plan is totally fine, so if the idea of a detailed budget is about as hard to swallow as wasabi on a hotdog, put together a plan along this line. The important thing is to have a plan – know where your money is going. This is absolutely fundamental to financial success.   3. Protect Another unsexy one, but having insurance in place is another basic financial fundamental. Why? Because unwanted things do happen from time to time, and we don’t know when or quite what they’ll be. That’s tough to plan for financially. Insurance premiums, however, can easily be planned for, and then all that uncertainty is someone else’s problem. So if you’re a home owner you should have insurance in case the house burns down, rare though that is. Most people should have Income Protection insurance, since it’s your ability to earn an income that is the enabler of most of the other things in your life, from putting a roof over your head to food on the table, to clothes, gifts and holidays. Health insurance, car insurance, life insurance – everyone’s needs differ, but you should certainly give some thought to where financial disaster could hit you, and explore how you can pass that risk onto someone else via buying some insurance.   4. Eliminate debt Now I should clarify here that not all debt is bad debt. Debt used to buy something that will increase in value is often a sensible way to build wealth. Not many of us could buy a house without taking on debt. But from a financial fundamentals perspective, getting rid of unproductive debt should be a priority. So we’re talking here about credit card debt. We’re talking about debt for your car. A personal loan for a holiday or wedding. These must be at the top of the list as you get your financial fundamentals in place. Start with the debt that has the highest interest rate, and once this is repaid, focus on the next one.   5. Save Finally, we’re onto the more positive financial steps you should take. You’ve got your emergency cash, you’re in control of your spending, your insurances are in place so you’re not susceptible to a big financial disaster, and you’ve got rid of the unproductive debt that had been weighing you down. Now it’s time to start putting some money aside to begin the move towards financial autonomy – having a choice in life. My suggestion is to automate your saving as much as possible. On the day you get paid, have your savings automatically put into your savings account. This might be an offset account if you have a mortgage, or perhaps an online savings account that pays a bit better interest than a normal transaction account. The main thing is, don’t take the approach of – “I’ll save whatever I have left over each fortnight”. This is a plan destined for failure. Save first, then spend what’s left. It might also help to set some goals. “We want to have $10,000 in the offset account by the end of the year”, for instance, can be really motivating and helpful to you making progress.   6. Invest And the final financial fundamental, and the one I think is the most fun – investing. Putting your money to work and having it earn more money, without you having to lift a finger. There are of course all sorts of ways you can go here, and if you haven’t already downloaded our Investment Fundamentals toolkit, I’d strongly urge you to grab that from the web site. Probably the most important thing to recognise in the step from saving to investing is that investing involves a time commitment. While you’re saving, your money’s typically in cash, available at any time. But when you start investing, you become exposed to market fluctuations, and that means you need to be prepared to leave your investment alone, to give it time to perform. The reward for this patience is growth and income. Ultimately this produces passive income that can support you in life.   So to summarise, my 6 financial fundamentals are: Cash for emergencies Know what you spend Protect Eliminate debt Save Invest I hope they help you take some huge leaps forward in your pursuit of financial autonomy. SUBSCRIBE TO OUR WEEKLY EMAIL “GAINING CHOICE” TO KEEP UP WITH ALL THINGS FINANCIAL AUTONOMY   Important Information: This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication.

After a quiet, steady and sometimes spectacular bull market in 2017, stock market volatility reared its head again during the first quarter of 2018, raising investors’ anxiety levels and conjuring unpleasant memories of the Great Recession. This show is geared to help spare pre-retirees and retirees the gut-wrenching ride on the stock market rollercoaster by providing them with five financial fundamentals to help protect their assets from volatility — from managing assets to managing income streams to managing mindset, simple approaches listeners can put to work starting today to keep calm and carry on, even when the stock market is behaving unpredictably.

Pastor Sam touches on the 5 financial fundamentals of success.★ Support this podcast ★

Dan is an alumnus of Kansas State University and began his career at KPMG. He joined Cain Watters and Associates as a financial planner in 1997. When the company developed a partnership structure in 2008, Dan was elected to oversee CWA as its managing partner due to his previous success in serving over 100 clients for over 10 years. In addition to seeing long-term clients, he oversees the financial planning process as well as the financial planners as the managing partner. He regularly shares his knowledge at the CWA Practice Transition Seminar, dental society meetings and study clubs nationwide. He is a Certified Financial Planner and has a Personal Financial Specialist (PFS) license from the American Institute of Certified Public Accountants. He is also an Investment Advisor Representative and a member of the Texas Society of CPAs. Dan is an avid outdoor enthusiast and enjoys spending as much time as possible waterskiing, snow skiing and running. He is married to Kim and has two children Justin and Jenna.

Act 1: The Madoff Decade - The Young Turks Act 2: Congress establishes new department - The Onion Act 3: They're just not that into you - Rachel Maddow Act 4: The new guy at the commerce department - The Young Turks Act 5: Snakes to receive government stimulous - The Onion Act 6: Marginal tax rates explained - Joe Lyles Act 7: Work created by the government isn't really work - The Young Turks Act 8: Looking at the record of CNBC - The Daily Show Act 9: Audio of bankers discussing post-bailout bonuses - The Young Turks Act 10: Correcting the record on Jim Cramer - The Daily Show Music: You've Got Everything Now - The Smiths Runaway Train - Soul Asylum Sitting, Waiting, Wishing - Jack Johnson Your Heart Is An Empty Room - Death Cab For Cutie Your woman - White Town In The Aeroplane Over The Sea - Neutral Milk Hotel Goodbye stranger - Supertramp Naive - The Kooks Banditos - The Refreshments Produced by: Jay! Thanks for listening! Visit us at www.BestOfTheLeft.com Contact me directly at Jay@BestOfTheLeft.com Vote for us and leave comments at www.PodcastAlley.com or Review the show on iTunes.