Podcasts about Financial literacy

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Best podcasts about Financial literacy

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Latest podcast episodes about Financial literacy

Teach Sleep Repeat
Ep 152: The Future Of Education: AI, Oracy & Financial Literacy. Will The Curriculuim Review Work?

Teach Sleep Repeat

Play Episode Listen Later Nov 17, 2025 52:30


Join our free WhatsApp community for Q&A submissions,polls on future episodes & links to the podcast first: https://chat.whatsapp.com/HB7n1PNGdGL5STACssEH1sLeave us a review and share this episode with someone youthink might enjoy it! It really helps us out.Follow us on Instagram: www.instagram.com/teachsleeprepeatpodcastFollow us on TikTok: www.tiktok.com/teachsleeprepeatpodcast

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
99 Business Brokerage & Exit Strategies for Contractors | Jonathan Buehler

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Nov 14, 2025 35:09


99 Business Brokerage & Exit Strategies for Contractors | Jonathan Buehler   The Entrepenudist Podcast https://entreprenudist.com Thinking about selling your construction or home service business? In this episode, Jonathan Buehler, founder of Buehler Business Brokers, breaks down how to value, prepare, and sell your company for maximum profit. We discuss key strategies for exit planning, business valuation, and brokerage insights tailored to the construction trades and home service industries. Whether you're preparing for retirement or simply ready for your next chapter, this conversation helps you understand what drives business value and how to make your exit smooth and successful. --------------------------- About Jonathan Buehler Jon Buehler is the founder of Buehler Business Brokers, where he helps owners of HVAC, plumbing, electrical, and other home service companies sell their businesses with confidence. With over 16 years of experience spanning contracting, distribution, and manufacturing, Jon brings deep industry insight to every deal he manages. After nearly two decades in the trades, Jon transitioned into business brokerage in 2022, driven by a passion for helping business owners unlock the full value of their life's work. As both a Certified Business Intermediary (CBI) and Certified Exit Planning Advisor (CEPA), he guides clients through every stage of the sale process—from valuation and preparation to finding the right buyer and closing successfully. Jon has been recognized as a top business broker by the Business Brokers of Florida and the International Business Brokers Association, and he's a frequent speaker at national and regional trade events, including ACCA and FRACCA, where he educates contractors on building more valuable, sellable businesses. Based in Jacksonville, Florida, Jon lives with his wife Tiffany and their four kids. When he's not advising clients, you'll find him spending time with his family or helping business owners plan their next big chapter. ---------------- About the Host: Randolph Love III, is the Founder and President of, ShieldWolf Strongholds, a wealth protection company that specializes in providing Business Owners, Franchise Owners, and Retirees with high level Business Exit Planning, Retirement Income Planning, and Tax Free Cash Value Life Insurance education as a Certified IUL Master. He is a Partner and Consultant with The Franchise Consulting Company; one of the most renowned American owned franchise consulting companies in the world. He is the Author of the forthcoming Financial Literacy book, "The Miracle Money Vehicle: How To Make Money Make Babies;" which gives individuals and business owners a step by step guide on what they need to do to have the option to retire, or exit their current position in less than 5-10 years, with properly structured, and funded Trusts and Tax Strategies. Also, he is the host of, "The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs and Business Owners BARE IT ALL;" ranked in the TOP 10% of podcasts for Business Owners and Entrepreneurs by ListenNotes.com.

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
100 How a Construction Worker Built a Fast-Growing SaaS Company

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Nov 14, 2025 37:13


100 How a Construction Worker Built a Fast-Growing SaaS Company   The Entrepenudist Podcast  https://entreprenudist.com From the construction site to the startup world, this episode of The Entreprenudist Podcast features Fabian Videla, CEO of Permit Rockstar Inc., who shares how he went from swinging hammers to scaling SaaS. He breaks down the real-world pain points that inspired him to build Permit Rockstar, a platform transforming how contractors navigate the permitting process. In this episode, we explore:

Success Leaves Clues with Robin Bailey and Al McDonald
Success Leaves Clues: Ep274 - Redefining Retirement for the Modern Workforce with guest Connor Bays, Head of Sales and Partnerships at Common Wealth Retirement

Success Leaves Clues with Robin Bailey and Al McDonald

Play Episode Listen Later Nov 13, 2025 30:53


In this episode of Success Leaves Clues, host Robin Bailey and co-host Al McDonald sit down with Connor Bays, Head of Sales and Partnerships at Common Wealth Retirement, to explore how technology, inclusion, and purpose are reshaping financial wellness and the future of retirement. Connor shares his journey as a competitive runner turned mission-driven leader helping Canadians achieve lifelong financial security. Through his work at Common Wealth, he's redefining how small and mid-sized businesses can offer accessible, high-impact retirement plans that support employee wellbeing and retention. Together, they dive into the realities of financial stress, the misconceptions about cost and complexity in group retirement programs, and the profound shift from viewing retirement as an ending to embracing it as a new beginning. This conversation blends insight and empathy, showing how small changes in how we save, educate, and communicate about money can spark long-term transformation, for both employees and employers. You'll hear about: Mission-driven innovation: How Common Wealth is closing the retirement gap for Canadians. Financial accessibility: Why smaller businesses can and should offer group retirement benefits. Common misconceptions: Breaking down the myths around cost and complexity. Financial stress and wellbeing: How retirement planning contributes to mental and emotional health. Engaging younger generations: Why millennials and Gen Z care deeply about their financial future. Technology meets trust: Using digital tools to personalize financial planning at scale. Redefining retirement: From an end point to a new phase of meaning, purpose, and contribution. Employer wins: Why group retirement plans are a competitive advantage for engagement and culture. We talk about: 00:00 Introduction 03:00 From competitive running to leading at Common Wealth 04:00 How Common Wealth is closing Canada's retirement gap 06:00 The biggest barriers to offering group retirement plans 09:00 Financial literacy and breaking the taboo around money 10:00 Retirement planning as part of overall wellbeing 12:00 How younger generations are engaging with retirement savings 15:00 Making financial confidence accessible through technology 18:00 Balancing fees, service, and meaningful financial outcomes 20:00 Personalization in benefits: what employees truly want 22:00 The evolution of retirement: purpose, health, and longevity 25:00 The psychology of retirement and identity beyond work 27:00 Wins for employers heading into 2026: new and upgraded plans 30:00 Planting trees for future generations through better access and education Connect with Connor LinkedIn: https://www.linkedin.com/in/connorbays Website: https://www.commonwealthretirement.com/ Connect with Us LinkedIn: Robin Bailey and Al McDonald Website: Aria Benefits and Life & Legacy Advisory Group

Building Abundant Success!!© with Sabrina-Marie
Episode 2645: Rahkim Sabree ~ Forbes, The Grio, Gen Z Certified Financial Expert, "Quit Your Job??" Then What??

Building Abundant Success!!© with Sabrina-Marie

Play Episode Listen Later Nov 11, 2025 40:56


Entrepreneur Magazine, The Grio, Black Enterprise, Author Recently Rahkim wrote in Entrepreneur Magazine""I Went Viral for Quitting My Job Because It Was Impacting My Mental Health. Here Are the 4 Things I Did to Prepare for Full-Time Entrepreneurship.Want to 'fire' your boss? You'll need to be prepared."Rahkim Sabree Mission is.............. "To inspire multi-generational growth; spiritually, mentally, and physically through the lens of my words and experiences."From Section 8 to Owning Multiple Homes, Rahkim has grown from being raised in humble dwellings to reaping the benefits of owning his investments.As a speaker Rahkim has graced stages, classrooms, work spaces, and board rooms serving on panels and delivering workshops, seminars, and keynotes. Most notable of which was the TEDx stage in Hartford, CT. Rahkim is always looking for opportunities to spread his message.On the heels of his new book entitled Financially Irresponsible, author Rahkim Sabree says that closing the financial literacy gap can be done with the establishment of a team.Rahkim is a millennial /Gen Z African American man who's accomplished financial goals like attaining the coveted 800 FICO credit score, to purchasing his first home under 30. He mentions, “These were not things discussed growing up in Mount Vernon, NY.”His hope is to inspire others like him to not only become financially literate, but to share what they know with others.Rahkim's book is packed full of advice, tips, guides, and powerful insights that many people are going to find useful and empowering. For more information about the book, please visit here.He can be reached on Instagram @UnlimitedInvestmentInquiries and is looking to connect with celebrities and influencers who share in his passion to spread Financial Literacy awareness.For more information visit his official web site at rahkimsabree.com© 2025 All Rights Reserved© 2025 BuildingAbundantSuccess!!Join Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASJoin Me @ Spot Me on Spotify: https://tinyurl.com/yxuy23baAmazon Music ~ https://tinyurl.com/AmzBASAudacy: https://tinyurl.com/BASAud 

The Depth Perception Podcast
Episode 51: Visionary Insights: Dr. Vito Mena on Sports Vision and Financial Literacy

The Depth Perception Podcast

Play Episode Listen Later Nov 10, 2025 40:57


Join us for an engaging conversation with Dr. Vito Mena, a leader in sports vision and financial literacy. Discover how he helps athletes enhance their performance and empowers optometrists to secure their financial futures. From his journey into optometry to his passion for photography and networking, Dr. Mena shares invaluable insights and advice for young professionals. Don't miss this inspiring episode!

Right Thinking with Steve Coplon
Personal Finance And Small Business Ownership - Part 4 | Episode #456 | Encore Edition #19

Right Thinking with Steve Coplon

Play Episode Listen Later Nov 10, 2025 49:50 Transcription Available


Right Thinking with Steve Coplon.This week's show is called "Personal Finance and Small Business Ownership Part 4 - Encore Edition #19". Tune in and hear Steve as he continues in the last of this four-part series to teach valuable lessons on how to reach success in business. Now that you've established your Sales Goals, your best chance to reach them is with a well-managed Marketing Plan.https://www.talknetworkradio.com/hosts/right-thinking

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
97 What Every Entrepreneur Should Know About Sales, and Business Growth

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Nov 7, 2025 51:30


97 What Every Entrepreneur Should Know About Sales, and Business Growth   The Entrepenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Samir Maignan, President of Public Trust Mortgage LLC, to unpack the evolving relationship between business, technology, and human connection. From the rise of AI and social media in modern business to understanding why sales are truly a process, not a one-time event, Samir shares valuable insights every entrepreneur and business owner should hear. Drawing from his deep experience in the mortgage and financial services industry, he breaks down how today's business leaders can stay grounded, adapt fast, and thrive in an ever-changing economy.

The Power of the Ask
Season of Savings: Managing Money During the Holidays with Your Rich BFF Vivian Tu & Marshalls

The Power of the Ask

Play Episode Listen Later Nov 7, 2025 30:12 Transcription Available


Ready to level up your money game? This episode of The Power of the Ask podcast—brought to you by Marshalls—features CEO and financial mastermind behind the Your Rich BFF brand, Vivian Tu. Vivian takes us behind the scenes of her journey from Wall Street trader to one of today's most trusted voices in personal finance. She shares how and why she built her viral, community-centered brand, what she's learned about empowering women through money, and why financial literacy doesn't have to feel overwhelming — in fact, it can feel like chatting with your bestie. Just in time for the holiday season, Vivian also shares how to set clear, achievable financial goals, beginner-friendly budgeting tips, and her signature luxe-for-less shopping hacks (hint: she's a proud Marshalls girl). If you love a good deal, smart money moves, and a little bestie-to-bestie real talk, this episode is for you. Important Links:Savvy Ladies (https://www.savvyladies.org/)Precious Williams' LinkedIn (https://www.linkedin.com/in/precious-l-williams/)Lisa Zeiderman's LinkedIn (https://www.linkedin.com/in/lisazeiderman/)Vivian Tu's LinkedIn (https://www.linkedin.com/in/viviantu-yourrichbff/)Important Links for Vivian:Your Rich BFF (https://www.yourrichbff.com/)About Vivian Tu:Vivian Tu is on a mission to make the financial world less intimidating—and way more accessible—for everyone.  A former Wall Street trader turned content creator, Vivian's titles include financial expert, speaker, entrepreneur, and the voice behind the wildly popular brand, Your Rich BFF. In just three short years, she's grown a massive community—over 8 million followers across platforms—by breaking down everything from credit scores to investing in an approachable manner and speaking to her fanbase like her peer– or as she likes to call them–her besties. You may have seen her featured on Forbes' 30 Under 30 and Top Creators lists, or listened to her hit podcast, Networth and Chill. It's one of the first of its kind, blending expert insights and real talk about money—and it shot straight to the top of the business charts. Vivian's unique ability to make finance feel friendly and fun has made her one of the most in-demand voices in the space. She's partnered with Marshalls to to show us how we can all boost our financial literacy as a way of getting “the good stuff” in life, however we may individually define it.. And because getting “the good stuff” is a team effort, Marshalls partners with organizations like our own. With Marshalls' support, Savvy Ladies helps equip women across the country take control of their finances with real tools that make financial empowerment possible. As a long-term partner of Marshalls, Vivian has brought her inspiring, bite-sized lessons to women across the country through The Marshalls Good Stuff Social Club and The Marshalls Good Stuff Accelerator Program. And if that's not enough, she's also a New York Times bestselling author—her debut book, RICH AF released in 2023 with rave reviews, and another on the way, hitting shelves in 2026. 

The ROCC Pod
Feral Gen Xers Need To Know About Social Security and Medicare

The ROCC Pod

Play Episode Listen Later Nov 6, 2025 24:20


In this episode of the ROCC Pod, we sit down with Jim Komoroski of the M1 Agency for a deep dive into the often misunderstood world of Medicare and Social Security planning. Jim shares how a personal family health crisis during the pandemic exposed major blind spots in his mother-in-law's retirement planning—despite her seemingly having “her affairs in order.” That experience led him and his wife LIsa, a fellow Gen Xer, to launch the M1 Agency with a mission to help others avoid similar pitfalls.We begin by discussing the concept of being a “feral Gen Xer”—a nod to the self-sufficient, figure-it-out approach that defines many in this generation—and how that mindset helped Jim build a business rooted in research, self-education, and a drive to serve. Jim explains that M1 specializes in Social Security optimization, Medicare education, and annuities, with a local focus and a name inspired by both Woodward Avenue and Medicare itself.The heart of our conversation is focused on how ill-prepared most Americans are when it comes to Social Security and Medicare. Jim breaks down common misconceptions, like the idea that Medicare covers everything or that Social Security won't exist in the future. He stresses that very few people truly optimize their Social Security benefits—only about 8%—and the rest leave an average of $111,000 on the table over their lifetimes. Through individualized planning, Jim helps clients make better decisions on when to claim benefits and how to coordinate those choices with retirement accounts and lifestyle needs.We also touch on lesser-known facts, like how divorced individuals can still benefit from their ex-spouse's Social Security if they were married for at least ten years. Jim emphasizes that education should start early—ideally in your mid-40s—so you're not caught off guard by the real costs of healthcare and retirement. Even healthy Medicare recipients in Michigan spend around $3,700 in their first year on premiums and out-of-pocket costs, so having a strategy is crucial.Jim also shares insight on how misinformation spreads—especially online—and why it's essential to dig into the details, not just rely on headlines. His daily “M1nute” videos help break down complex topics into digestible updates that apply directly to Michigan residents. We wrap up with a conversation about the value of getting involved in the community through the Royal Oak Chamber and how those human connections energize business owners like us.More:The M1 Agency Website: https://www.them1agency.com/Instagram: https://www.instagram.com/them1agency/Facebook: https://www.facebook.com/TheM1AgencyJim on LinkedIn: https://www.linkedin.com/in/jimkomoroski/00:00 – The Social Security Optimization Problem01:00 – Meet Jim Komoroski of M1 Agency02:42 – How a Family Crisis Sparked a Business05:51 – When Should You Start Planning?07:26 – Medicare Myths and Real Costs10:50 – What is Social Security Optimization?13:08 – Social Security and Divorce15:33 – The “M1nute”: Sorting Out Misinformation16:45 – Chamber Involvement and Community Impact19:56 – Fishbowl Question: Advice I Wish I Took22:32 – Where to Find Jim and Final Thoughts  Learn more about the Royal Oak Chamber of Commerce: https://www.royaloakchamber.com/Connect with our hosts:Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/Lisa Bibbee from Century 21 Northland - http://soldbylisab.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Highlights from Newstalk Breakfast
Should schoolchildren be taught financial literacy?

Highlights from Newstalk Breakfast

Play Episode Listen Later Nov 6, 2025 6:01


Financial education will soon be part of the curriculum in all British primary and secondary schools. Following an independent curriculum review, financial literacy was considered “the most highlighted area of importance by parents,” Ciara discussed this further with Paul Merriman, CEO of Fairstone and Founder of Ask Paul.

The Stacking Benjamins Show
Financial Literacy for Kids + Are Annuities Actually Safe? SB1757

The Stacking Benjamins Show

Play Episode Listen Later Nov 5, 2025 69:14


Here's a question: If everyone's buying annuities right now, does that mean you should too? Joe Saul-Sehy, OG, and Neighbor Doug tackle that exact question in this week's episode—but first, they're starting with the basics. Because before you can figure out complex financial products, you need to nail the fundamentals. And who better to teach them than Karen Holland, founder of Gifting Sense, who's made it her mission to help kids (and their parents) understand money in ways that actually stick. Karen breaks down how to teach the next generation about "need vs. want," why middle schoolers need to understand the real cost of "cool," and how financial literacy can be empowering instead of intimidating. Whether you've got kids or just want a refresher on the money basics you wish someone had taught you, this conversation is the reset button you didn't know you needed. Then things get timely: annuity sales are booming, and everyone's suddenly got an opinion. But are annuities the safe harbor they're marketed as, or just another way to lock up your money with fees you don't understand? Joe and OG cut through the sales pitch to help you figure out when annuities make sense—and when you're better off walking away. Plus: Doug delivers "life-changing" trivia (his words), there's an iHeart Music Festival giveaway tied to financial literacy, and you'll get your weekly dose of basement wisdom served with laughs. What You'll Walk Away With: • Karen Holland's framework for teaching kids financial literacy that actually changes behavior (not just lectures that go in one ear and out the other) • Why annuity sales are exploding right now—and the questions you MUST ask before signing anything • The difference between annuities that solve real problems and annuities that just create expensive ones • Financial habits that work at any age—whether you're teaching a 12-year-old or retraining yourself • How supporting financial education can score you iHeart Music Festival tickets (because doing good shouldn't be boring) This Episode Is For You If: • You want to teach kids about money but don't know where to start (or worry you'll mess it up) • Someone's pitched you an annuity and you're not sure if it's brilliant or a trap • You've heard annuities are "safe" but want to understand what you're actually giving up • You believe financial literacy is a gift worth giving—to your kids, your community, or yourself • You want money advice that doesn't talk down to you or assume you already know everything FULL SHOW NOTES: https://stackingbenjamins.com/raising-money-for-financial-literacy-1757 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Arguing Agile Podcast
AA236 - Why Product Managers Should Own Pricing (Not Sales or Execs)

Arguing Agile Podcast

Play Episode Listen Later Nov 5, 2025 56:16 Transcription Available


Debating why pricing belongs in product management's hands, not sales or finance.Product Manager Brian and Enterprise Business Agility Coach Om are rankling egos as they discuss a heated debates: who should own pricing decisions? Listen or watch as they argue that pricing is product strategy, not a sales tactic. 

Goals, Grit, and Some Woo Woo Sh*t
How To Stop Being Powerless About Money with Mel Dorman

Goals, Grit, and Some Woo Woo Sh*t

Play Episode Listen Later Nov 4, 2025 55:39


Send us a textYou know that feeling when money seems like this big, mysterious force that other people understand but you somehow missed the memo? That was my guest, Mel Dorman, author, real estate investor, and self-described financial activist, who went from living in the slums of Kolkata to building a seven-million-dollar real estate portfolio. Wild, right?But this isn't one of those “grind harder” stories. Mel started out as a social worker who believed that being broke meant being good. They actually practiced what they called financial celibacy, opting out of capitalism on moral grounds until life smacked them with a wake-up call. When their dad got sick and needed $7,000 a month in care, Mel realized that staying small and “pure” wasn't helping anyone. That moment flipped everything.Mel learned that money isn't dirty; it's neutral. And when you use it consciously, it can create freedom for everyone. We talk about how they built financial literacy from scratch, started investing through a strategy called seller financing (basically, cutting out the banks and keeping money circulating in the community), and why the real transformation wasn't in the dollars; it was in the mindset.Even if you never want to touch real estate, you'll get so much out of this conversation. Because this is really about power, purpose, and possibility. It's about rewriting the story that money is evil and learning to see it as a tool for impact. And yes, there's some woo-woo in there too.Grab your earbuds and get ready to feel a whole lot more empowered about your financial future.What's Inside:How Mel went from social worker to millionaire investor using seller financingWhy rejecting money doesn't make you moral; it keeps you smallThe mindset shift that turned financial guilt into empowermentReal examples of creating wealth that benefits your whole communityWhat does “riching” right look like to you? Is it buying the most expensive bag—or being so financially free you can give away more money than you keep? Changing the world while changing your own life? Look, that could be you.If this conversation got you thinking differently about what wealth really means, come tell me about it on Instagram. I'd love to hear what “financial freedom” looks like for you.Mentioned in This Episode:Mel DormanBank on Your NeighborKiva.orgOonagh Duncan on InstagramFit Feels GoodLeave me a voice note on Speak Pipe!

Eyes Wide Open with Nick Thompson
We Must Eliminate Profit-Driven Support Systems and Replace them with Community w/ Tyrone Powell

Eyes Wide Open with Nick Thompson

Play Episode Listen Later Nov 4, 2025 70:47


In this conversation, philosopher and counselor Tyrone Powell discusses his journey from a corporate career to becoming a counselor. He focuses on the importance of self-discovery and the impact of economic stress on mental health.    He critiques the reliance on labels in mental health and advocates for a more holistic approach that considers the individual's environment and societal factors.    They also discuss how labels and diagnoses in mental health can be both helpful and harmful depending on their use cases, and how coping mechanisms can become harmful when overused.    The discussion also touches on the significance of community support over traditional systems, the role of coping mechanisms, and the need for a shift in how mental health is perceived and treated in society.   Tyrone and Nick deeply discuss how economic stress significantly impacts mental health and the importance of class consciousness in counseling.    They also discuss how the current economic conditions are causing the middle class to disappear into poverty, and how our government and societal systems will continue to fail to lift those out of poverty.    Enjoy this episode and go through life with your eyes wide open.    Chapters 00:00 Introduction to Tyrone Powell 01:43 Journey to Counseling and Self-Discovery 05:28 The Role of Labels in Mental Health 09:10 Understanding Mental Wellness 12:42 The Impact of Environment on Mental Health 16:09 Coping Mechanisms and Their Effects 19:58 The Shadow Self and Personal Growth 23:34 Class Conscious Counseling and Its Importance 27:02 Challenging the Status Quo in Therapy 33:04 The Interconnection of Economic and Mental Health Issues 35:23 Therapeutic Approaches to Financial Stress 39:05 Generational Perspectives on Financial Literacy 42:06 The State of the Middle Class and Economic Anxiety 45:52 The Role of Community in Addressing Systemic Issues 50:31 Capitalism is Eating Itself and Disappearing the Middle Class 57:22 Everything in Your Life Comes Back to Politics  Find Tyrone Powell here: Instagram: https://instagram.com/tyronethephilosopher  YouTube: https://www.youtube.com/@TyronethePhilosopher Podcast: "It's Okay, Man" https://podcasts.apple.com/us/podcast/its-okay-man/id1809681299  Website: https://hellotyrone.ca/    Find Nick Thompson here: Instagram: https://www.instagram.com/nthompson513/ |   https://www.instagram.com/the_ucan_foundation/    YouTube: https://www.youtube.com/@EyesWideOpenContent    LinkedIn: https://www.linkedin.com/in/nickthompson13/      UCAN Foundation: https://theucanfoundation.org/  Website: https://www.engagewithnick.com/     

Right Thinking with Steve Coplon
Personal Finance And Small Business Ownership - Part 3 | Episode #455 | Encore Edition #17

Right Thinking with Steve Coplon

Play Episode Listen Later Nov 3, 2025 50:12 Transcription Available


Right Thinking with Steve Coplon.This week's show is called "Personal Finance and Small Business Ownership Part 3 - Encore Edition #17." Tune in and hear Steve as he continues to teach this powerful seminar on starting your own business.  If you are going to succeed in owning your own small business, you need to know your costs and expenses and how much sales you need to cover them and pay yourself!https://www.talknetworkradio.com/hosts/right-thinking

Head Shepherd
Financial skills for more profitable farming with David Egerton-Warburton

Head Shepherd

Play Episode Listen Later Nov 2, 2025 46:49


Accounting may not be every farmer's favourite topic, but it is one of the most powerful tools on the farm. This week's Head Shepherd guest, David Egerton-Warburton, explains why.Raised on a sixth-generation farm in Kojonup, Western Australia, David learned early that every on-farm decision ties back to sound business practice. His father, Kent, founded Agrimaster in 1981, bringing farm records into the computer age long before most households had a computer, and David and his wife have been joint CEOs since 2001.David and Mark Ferguson discuss budgeting, risk control and decision making, and why financial literacy separates good farmers from great farming businesses. As David says, “The most successful growers aren't that much better from a production point of view… what we really see is the difference in the ability to take risks because they can control them.” Listen to the episode to learn how to turn your farm numbers into a roadmap for success and take control of the risks that matter.https://www.agrimaster.com.au/Head Shepherd is brought to you by neXtgen Agri International Limited. We help livestock farmers get the most out of the genetics they farm with. Get in touch with us if you would like to hear more about how we can help you do what you do best: info@nextgenagri.com.Thanks to our sponsors at MSD Animal Health and Allflex, and Heiniger Australia and New Zealand. Please consider them when making product choices, as they are instrumental in enabling us to bring you this podcast each week.Check out Heiniger's product range HERECheck out the MSD range HERECheck out Allflex products HERE

The NewRetirement Podcast
Money Confidence for Real Life with Katy Song

The NewRetirement Podcast

Play Episode Listen Later Oct 30, 2025 64:11


In this episode of Boldin Your Money, host Steve Chen sits down with Katy Song, a Certified Financial Planner based in Mill Valley, to explore how modern families can achieve financial confidence and “work optionality.” Katy shares her journey from investment banking to flat-fee financial planning, driven by a desire to help young families make smarter money decisions without needing large investable assets. The discussion spans real-life financial challenges in Bay Area cost of living, homeownership versus renting, intergenerational planning, and the psychology of money. Katy emphasizes holistic advice over asset management, revealing trends like women becoming the primary earners, the growing “sandwich generation,” and the emotional side of money stress. Her core message: true financial success comes from clarity, balance, and aligning money with personal values.

The Irish Tech News Podcast
Making financial protection more accessible

The Irish Tech News Podcast

Play Episode Listen Later Oct 30, 2025 37:05


In this episode of One Vision, Theo is joined by Alex Matjanec, founder and CEO of Wysh, and Jim Perry, an advocate for financial inclusivity. The trio delve into how institutions can offer real value and build trust with customers by embedding financial protection into everyday banking. Jim and Alex also discuss the broader implications of financial literacy and the efforts of The National Alliance for Financial Literacy and Inclusion (NAFLI) to bridge gaps in financial education.  Innovation and inclusion aren't separate paths — tune in and be inspired to go beyond good.  00:00 Founder's Inspiration05:48 The Importance of Embedded Insurance27:59 The Role of Financial Literacy and Inclusion34:56 Conclusion and Final Thoughts

Money Meets Medicine
Why Financial Literacy Should Be Mandated by the ACGME

Money Meets Medicine

Play Episode Listen Later Oct 29, 2025 36:14


In this episode of the Money Meets Medicine podcast, hosts Dr. Jimmy Turner and Justin Harvey discuss how financial burdens impact medical professionals' personal lives, academic performance, and career decisions. They explore various studies that demonstrate these effects, covering topics such as increased stress levels, delayed life decisions like marriage and children, negative impacts on academic performance, and challenges faced when managing student loan debt. Additionally, they delve into the ethical concerns related to financial incentives in medical practice. The episode also emphasizes the importance of financial literacy for medical residents and offers practical solutions for incorporating financial education into residency programs, drawing on Justin's experience in delivering such talks.Every doctor needs disability insurance. To get a quote from a company you can trust visit https://moneymeetsmediine.com/disability Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Money Conversations with KJ
099: Lessons From A Lifelong Seller Who Lost Millions And Rebuilt

Money Conversations with KJ

Play Episode Listen Later Oct 29, 2025 73:35 Transcription Available


Stocks To Watch
Episode 713: Following Trends, Maximizing Profit: How TradeSphere Helps You Trade Better

Stocks To Watch

Play Episode Listen Later Oct 28, 2025 17:40


Making a profit from trading doesn't have to be complicated with TradeSphere. Vice President Kam Dasani discusses why TradeSphere is the right team to guide you in your trading journey.This in-depth interview can help you understand the ins and outs of trading today, covering topics such as how he became a millionaire by the age of 30, the biggest challenges facing traders, and how TradeSphere supports you throughout the entire process.Discover: https://tradesphereusa.comWatch the full YouTube interview here: https://youtu.be/baHtVBYtP1Y And follow us to stay updated: https://www.youtube.com/@GlobalOneMedia

Modern Mom Probs
Raising Money-Smart Kids: Teaching Financial Literacy at Home with Emily Holthaus

Modern Mom Probs

Play Episode Listen Later Oct 28, 2025 50:40


In this enlightening conversation, Tara sits down with educator and financial literacy advocate Emily Holthaus, founder of Raising Little Millionaires to explore one of the most impactful lessons parents can teach their children: how to manage money. Emily shares insights from her background in education and personal finance, offering a practical roadmap for parents who want to raise financially confident kids. Together, Tara and Emily dive into the importance of modeling healthy money habits, having open and age-appropriate conversations about finances, and teaching kids to view money as a tool rather than a taboo. They discuss how families can use simple systems like the four-jar method to introduce budgeting, saving, spending, and giving, and why emotional regulation and self-esteem play a surprising role in financial decision-making. Listeners will walk away with actionable tips for creating a family money mission statement, structuring allowances to build responsibility, and fostering lifelong financial literacy at home. Whether your child is earning their first dollar or saving for their first big purchase, this episode offers the tools and mindset to set them up for success. Links: https://www.raisinglittlemillionaires.com/ https://www.instagram.com/raisinglittlemillionaires Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Self Reflection Podcast
Building Wealth, Mindset, and a Legacy of Resilience

Self Reflection Podcast

Play Episode Listen Later Oct 27, 2025 106:37


Send us a textCan shifting your mindset about money unlock not just financial freedom, but also mental peace? In this deeply inspiring and practical episode, Lira sits down with Shai-dam Akwo, a financial professional consultant and CEO of One-Off Elite, who shares his incredible journey from extreme poverty in Cameroon to building a successful life and business in the United States. Shy's story is a powerful testament to resilience, the drive for a better future, and the critical role financial literacy plays in breaking generational cycles.Shai offers profound insights into the cultural and historical reasons why money remains a taboo subject in many African and Black communities, explaining how societal pressures and a misunderstanding of wealth often lead to financial stress and hinder true progress. He draws a crucial distinction between being rich (making money) and being wealthy (building sustainable financial peace and security that lasts even if you stop working). This conversation is a masterclass in shifting from a survival mindset to a wealth-building one.This episode is packed with actionable advice for anyone ready to take control of their financial future. Shai emphasizes the foundational steps: educating yourself (even through free resources like YouTube and audiobooks), setting massive goals that scare you, disciplined budgeting, finding side hustles, and understanding that building wealth is a long-term journey requiring consistency and patience. He passionately argues that life insurance is the cornerstone of any wealth-building plan, explaining how it protects your most valuable asset—your ability to earn income—against life's uncertainties like critical illness, ensuring your family's stability and peace of mind.Join Lira and Shai for a conversation that bridges finance, mindset, resilience, and mental well-being, offering both inspiration and a practical roadmap to creating a life of security and purpose.Support the showCall to Action: Engage with the Self-Reflection Podcast community! Like, follow, and subscribe on Spotify, Apple Podcasts, YouTube (Self-Reflection Podcast by Lira Ndifon), and all major podcast platforms. Share your insights and feedback—we value your contributions! Suggest topics you'd like us to explore. Your support amplifies our reach, sharing these vital messages of self-love and empowerment. Until our next conversation, prioritize self-care and embrace your journey. Grab your copy of "Awaken Your True Self" on Amazon. Until next time, be kind to yourself and keep reflecting.

The Steve Harvey Morning Show
News to Know: Educates listeners on fraud prevention, identity theft, credit management, and financial literacy.

The Steve Harvey Morning Show

Play Episode Listen Later Oct 25, 2025 25:47 Transcription Available


Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Strawberry Letter
News to Know: Educates listeners on fraud prevention, identity theft, credit management, and financial literacy.

Strawberry Letter

Play Episode Listen Later Oct 25, 2025 25:47 Transcription Available


Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Best of The Steve Harvey Morning Show
News to Know: Educates listeners on fraud prevention, identity theft, credit management, and financial literacy.

Best of The Steve Harvey Morning Show

Play Episode Listen Later Oct 25, 2025 25:47 Transcription Available


Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Rhetoriq
Making financial protection more accessible

Rhetoriq

Play Episode Listen Later Oct 25, 2025 37:05


In this episode of One Vision, Theo is joined by Alex Matjanec, founder and CEO of Wysh, and Jim Perry, an advocate for financial inclusivity. The trio delve into how institutions can offer real value and build trust with customers by embedding financial protection into everyday banking. Jim and Alex also discuss the broader implications of financial literacy and the efforts of The National Alliance for Financial Literacy and Inclusion (NAFLI) to bridge gaps in financial education.  Innovation and inclusion aren't separate paths — tune in and be inspired to go beyond good. 00:00 Founder's Inspiration05:48 The Importance of Embedded Insurance27:59 The Role of Financial Literacy and Inclusion34:56 Conclusion and Final Thoughts

Investor Fuel Real Estate Investing Mastermind - Audio Version
Sight-Unseen Real Estate Deals, Flips vs. BRRRR, and Value-Add Renovations w/ Paul Denis

Investor Fuel Real Estate Investing Mastermind - Audio Version

Play Episode Listen Later Oct 24, 2025 20:47


In this episode of the Real Estate Pros Podcast, Paul Denis shares his extensive experience in real estate investing, discussing his journey from purchasing his first property in college to navigating market challenges and the importance of financial literacy. He emphasizes the need for adaptability in strategies, especially in fluctuating markets, and offers valuable renovation tips to increase property value. Paul also reflects on lessons learned throughout his career, including the significance of understanding financing options like hard money loans.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Service Academy Business Mastermind
#340: Building a National Real Estate Brand for Veterans with Travis Winfield, USN Ret.‘16

Service Academy Business Mastermind

Play Episode Listen Later Oct 24, 2025 23:13


Need financing for your next investment property? Visit: https://www.academyfund.com/ ____ Travis Winfield is the founder of Military Operated Real Estate, and author of the upcoming book Military Money and More. A retired Navy Command Senior Chief with 24 years of service, Travis founded the Winfield Group in Southern California, successfully helping 100-150 military families per year before passing the business to his son in 2024. Recognizing that less than 12% of the nearly 20 million active duty and veteran population has used their VA home loan benefit, Travis launched MORE to create the first national real estate brand exclusively serving the military community. With military-affiliated certified agents, SkillBridge integration, and VA-approved education benefits for real estate training, MORE aims to become the trusted resource for veterans coast to coast, the "USAA of real estate." In this episode of the SABM podcast, Scott chats with Travis about: Military Operated Real Estate (MORE): Creating a national brand connecting veterans with military-affiliated certified agents. Mission Before Commission: Training agents as resource managers who understand veteran benefits beyond transactions. SkillBridge and Ambassador Programs: Leveraging VA benefits to create opportunities for transitioning members and military spouses. Financial Literacy Crisis: Addressing the education gap affecting military families through his book Military Money and More. Long-Term Vision: Making MORE the trusted real estate brand synonymous with USAA and Navy Federal. Timestamps: 00:37 Travis's Journey into Real Estate 01:43 Building the Winfield Group 02:10 Mission Before Commission 03:46 The Vision for Military Operated Real Estate 06:27 Financial Literacy and the New Book 07:39 Future Goals and Challenges 11:42 How the Platform Works Connect with Travis: Traviswinfield.com militaryoperatedrealestate.com thewinfieldgroup.org LinkedIn | Travis Winfield     If you found value in today's episode, don't keep it to yourself—share it with a colleague or friend who could benefit. And if you're a Service Academy graduate ready to elevate your business, we'd love for you to join our community and get started today. Make sure you never miss an episode subscribe now and help support the show: Apple Podcasts Spotify Leave us a 5-star review! A special thank you to Travis for joining me this week. Until next time! -Scott Mackes, USNA '01  

The NewRetirement Podcast
Real Retirement Stories: Leslie and Thomas Martin

The NewRetirement Podcast

Play Episode Listen Later Oct 23, 2025 38:39


Leslie and Thomas Martin share how years of consistent saving and do-it-yourself planning helped them confidently retire early and enjoy life on their own terms. Starting with the classic “save 10%” rule, they eventually built detailed retirement models using Boldin, holding regular “family finance” meetings to test scenarios and understand when and how they could retire. Those tools gave them peace of mind and what they call a “license to spend”—freedom to enjoy their go-go years without fear of running out of money. They stay invested, manage taxes carefully, and keep a cash cushion for market swings. Now traveling the country in their Winnebago Revel, they focus on experiences, community, and helping their kids learn smart money habits. Their advice: plan several years before you retire, keep learning, use planning tools, and make your money work for you so you can spend confidently and live fully. Big lessons: have a plan (even if it changes), invest (not just save), stress-test worst cases, and use community and coaching for confidence.

Investor Fuel Real Estate Investing Mastermind - Audio Version
Iris Romero on Systems, Financial Literacy, and Pivoting in Any Market

Investor Fuel Real Estate Investing Mastermind - Audio Version

Play Episode Listen Later Oct 23, 2025 28:04


In this episode of the Real Estate Pros podcast, host Q Edmonds speaks with Iris I Romero, a seasoned real estate professional with over 30 years of experience. Iris shares her journey from law school to establishing her own brokerage, emphasizing the importance of financial literacy and community support. She discusses the challenges faced during market crashes and the necessity of having systems in place to navigate these difficulties. Iris highlights her commitment to teaching financial literacy, especially to children, and her future goals of building a community outreach program to help those in need. The conversation underscores the significance of knowledge, community, and the pursuit of quality of life through financial education and real estate investment.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Youth Culture Today with Walt Mueller
Are Your Kids Prepared to Handle Finances?

Youth Culture Today with Walt Mueller

Play Episode Listen Later Oct 23, 2025 1:00


A recent survey by Wired Research, asked one thousand parents of kids ages fourteen to eighteen if they thought their children were prepared to manage their finances in adulthood. The survey found that only eight percent of the parents surveyed believe their teenagers are “extremely prepared” to handle their finances in adulthood. What's interesting is that this is a ten percent drop from last year, when eighteen percent of the parents reported the same. This declining confidence reminds us that as Christian parents, we need to go out of our way to teach our kids biblical principles of good financial stewardship, to teach them about saving, to teach them about tithing, and to teach them to recognize and push back on the constant flow of marketing messages seducing them to spend, spend, and spend. First Timothy six ten tells us that “the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.”

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
How to Stop Fake Profit From Fooling You: Agency Finance Secrets With Lacie Edgeman | Ep #847

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies

Play Episode Listen Later Oct 22, 2025 28:11


Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever looked at your agency's bank account and thought, “We're crushing it!” only to realize two months later that half that cash wasn't really yours yet? Or maybe you've hit that milestone where you start wondering what your agency might be worth if you sold it tomorrow… but your books are a confusing mix of guesswork and gut feelings. Today's featured guest was a finance expert before falling in love with the agency world and has the experience to show how smart financial planning (not just getting more clients) can completely reshape your agency's future. From forecasting and cash flow to the hard truths about selling, this conversation is packed with real-world lessons every agency owner needs to hear. Lacie Edgeman is the partner and co-owner of PrograMetrix, a digital paid media agency that focuses exclusively on programmatic advertising. With a background in finance, she oversees operations and financial strategy. However, like most small-agency leaders, she's worn just about every hat at some point. Her unique blend of financial discipline and operational savvy has helped her agency grow smart, not just fast. In this episode, we'll discuss: The superpower too many agencies ignore. Cash vs. accrual accounting. Why you should always be tracking these two KPIs. How much cash should you keep in the bank? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How a Finance Major Became an Agency Owner After earning a finance degree, Lacie joined a digital agency in Austin as a billing coordinator and quickly discovered she loved the chaos. “You either love it or you hate it,” she says. “I love the fast pace environment and the fact that it challenges me.” That early exposure to how agencies really work, from billing quirks to client chaos, gave her a perspective most creatives never get. By the time she joined PrograMetrix, she wasn't just another partner with ideas; she was the numbers-minded operator who could make sure every big creative idea actually paid off. Forecasting: The Superpower Too Many Agencies Ignore From a finance perspective, Lacie's biggest message for agency owners is to stop running their business off their checking account. “Future planning is where most agencies miss the mark,” she says. It's important to review your historical, of course, but Lacie recommends creating a forecast and revisit it quarterly. This way, if you want to add $1 million in take-home revenue, you can map out exactly which KPIs need to move to make that happen.. This is way, if you, for instance, want to add $1 million in take-home revenue, you can map exactly which KPIs need to move to make that happen. That forward focus creates smarter, calmer decisions; especially when things get uncertain. You can't sleep easy until you know what's coming in, what's going out, and how your pipeline will affect cash flow six months from now. Cash vs. Accrual Accounting: How to Stop Fooling Yourself About Profit When Lacie joined PrograMetrix in 2019, one of her first moves was switching from cash accounting to accrual accounting, a game changer for any media agency. Why? Because when you're handling large media budgets, those big lump payments from clients don't actually mean profit. Accrual accounting forces you to recognize revenue when the work is done, not when the check clears. “It's the only way to see what's actually happening,” Lacie explains. Otherwise, agencies can get fooled into thinking they're thriving when all they've done is temporarily hold pass-through media dollars. For anyone running paid media, she considers accrual accounting “painful but essential.” Furthermore, accrual accounting becomes critical when you're planning to sell your agency. It's not just about cleaner books, it's about protecting your valuation. In cash accounting, all incoming payments hit your revenue the moment they land, even if you haven't delivered the work yet. That can make your agency look healthier than it really is. However, a smart buyer will spot it—and they'll adjust your purchase price down to reflect any undelivered work. If you're serious about eventually selling, move to accrual accounting early so your books reflect true earned revenue. It not only helps you understand your real profitability but also builds trust with future buyers. Building the Right Financial Advisory Team for Your Agency Anyone with prior experience selling a business will probably tell you “if you're planning on selling soon, don't rely solely on a broker”. Brokers are financially motivated to close the deal fast, not to get the best terms. Instead, surround yourself with people who don't have skin in the game. Considering that most agency owners probably come from a creative background, Lacie suggests finding financial mentors or advisers who will tell them what they need to hear, not what they want to hear. You don't have to become a QuickBooks expert, but you do need to understand what your financials are saying about the health of your business. 2 KPIs Every Agency Owner Should Track If Lacie were stranded on an island and could only get one napkin of financials, it'd include two numbers: Topline Revenue (excluding media spend) EBITDA (basically your take-home before taxes) EBITDA is very important here, because you can have great revenue but without free flowing funds to invest back in the business, you'll still be a red flag for potential buyers. Those two tell her almost everything about an agency's financial health. “You can only cut costs so far,” she says. “At some point, you have to grow the top line strategically.” The real game is in balancing both, keeping a clean cost structure while expanding profitable revenue. Owners should also understand adjusted EBITDA, which adjusts for one-off expenses, to get a clearer view of your operational performance. It's something a potential buyer would do any way to get a more accurate picture of your agency's financial health. How Much Cash Should You Keep in Reserve? Ask ten agency owners this question, and you'll get ten answers. Lacie says three months of operating cash is the industry rule of thumb, though she's heard advisers tell sellers to shrink that down to one month before an acquisition. Many would disagree with that advice, but ultimately the right number depends on your risk tolerance and client concentration. If a single client dominates your revenue, then the most important advice would be to secure a line of credit before you need it. Losing a “gorilla client” (one worth more than 20% of your revenue) can wreck cash flow overnight. A credit line buys you breathing room so you don't start saying yes to bad clients just to make payroll. Niching Down Is the Key to Profitability and Valuation For Lacie, niching down was the single best move for PrograMetrix. “When you try to be everything to everyone, you can't scale,” she says. Every one-off client that doesn't fit your core offer quietly drains profit and focus. She urges agency owners to ask themselves if they're offering the right services and double down on what they're great at, not just good at. The rule is simple: the more focused you are, the more you can charge. Start by raising prices for new clients and soon the gap between legacy clients and new ones will convince you of the need to raise prices for legacy clients too. One mastermind member added $72,000 in monthly recurring revenue simply by repricing existing clients after niching. Each year, Lacie's team audits their client roster to identify accounts they've outgrown. It's never easy—many are long-time relationships—but letting go of clients who no longer fit is what creates room for bigger, better ones. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Earmark Accounting Podcast | Earn Free CPE
The Future of Advisory: Unlocking Your Firm's CFO Potential

Earmark Accounting Podcast | Earn Free CPE

Play Episode Listen Later Oct 22, 2025 28:03


Live from Boston on the final stop of the Advisory Amplified tour, Blake sits down with James Erving from Fathom and Chris Macksey from Prix Fixe Accounting to explore what advisory services really mean beyond bookkeeping and compliance. Chris shares how his firm requires advisory for all restaurant clients, using industry expertise and operational metrics to guide decisions on everything from menu pricing to expansion timing. The conversation covers the difference between delivering information versus being integral to decision-making, with insights on forecasting, benchmarking, and why visual KPIs help clients with low financial literacy understand their business performance.Chapters(00:22) - Welcome to the Earmark Podcast (01:15) - Prix Fixe Accounting: A Niche in Hospitality (02:25) - Advisory Services in the Restaurant Industry (06:20) - Forecasting and Budgeting for Restaurants (06:59) - Getting Started with Advisory Services (13:40) - Defining Advisory Services (17:35) - The Value of Metrics and Visuals (25:24) - Advice for Firms Starting Advisory Services (27:40) - Conclusion and Final Thoughts Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guests: James ErvingLinkedIn: https://www.linkedin.com/in/jameserving/Learn more about FathomOfficial website: http://fathomhq.comChris MackseyLinkedIn: https://www.linkedin.com/in/cmacksey/Learn more about Prix Fixe AccountingOfficial website: https://prixfixe.accountants/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

Sunlight
The $100K Financial Literacy Reward, and The Hidden Costs of Buy Now, Pay Later

Sunlight

Play Episode Listen Later Oct 21, 2025 21:26


In this episode of the Sunlight Tax podcast, I dig into the real impact of Buy Now, Pay Later (BNPL) services on spending habits and financial health. These “pay-later” plans may seem harmless, but they can quietly lead people, especially young consumers—into cycles of debt and financial stress. I break down how BNPL changes the way we think about money, what the long-term risks are, and why financial education is one of the most effective tools for protecting yourself. Research shows that learning even the basics of personal finance can save you tens of thousands of dollars over your lifetime.   Also mentioned in this episode: 02:00 Introduction to Personal Finance and Consumer Culture 04:15 The Dangers of Buy Now, Pay Later Services 06:37 The Importance of Personal Finance Education 09:49 The Value of Financial Literacy 12:28 Building Wealth Through Smart Financial Habits 15:11 Conclusion and Call to Action   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: New York Times Article: They Got To Live A Life Of Luxury. Then Came The Fine Print  'Buy Now, Pay Later' has built a delirious new culture of consumption — and trapped users in a vortex of debt. CNBC Article: You can put a price tag on the value of a personal finance education: $100,000 Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions  

The Casual Cattle Conversations Podcast
Are You Better off to Transition to a Non-Family Member?

The Casual Cattle Conversations Podcast

Play Episode Listen Later Oct 20, 2025 37:39


In this episode of the Casual Cattle Conversations podcast, Shaye Wanner speaks with Elaine Froese about the critical and often overlooked topic of non-family farm transition plans. Elaine, a seasoned expert in farm transitions and coaching, emphasizes the importance of considering non-family members in continuity plans. She offers insights for both the rising generation seeking better opportunities and the senior generation without family successors. Key points include the necessity of solid agreements, financial literacy, and understanding individual strengths and gaps. Elaine also touches on the importance of open communication within the family and the community to ensure a harmonious transition. Listeners are encouraged to take proactive steps in planning to avoid being stuck in unfulfilling situations and to find value in collaborative efforts. 00:00 Introduction to Casual Cattle Conversations 00:18 Guest Introduction: Elaine Froese 00:29 Non-Family Transition Plans 01:42 Elaine's Background and Experience 02:32 Importance of Non-Family Transitions 03:18 Challenges and Opportunities in Non-Family Transitions 05:17 Real-Life Examples and Success Stories 12:16 Financial Literacy and Transparency 14:34 Understanding Your Skillset and Gaps 17:54 Starting Conversations and Agreements 33:07 Final Thoughts and Contact Information Learn more about Elaine here: https://bit.ly/46KdlUm  Learn more about the Red Angus Association of America: https://bit.ly/4iaU6b

Investor Fuel Real Estate Investing Mastermind - Audio Version
From Insurance Payout to Fourplex: Stephen Horan's Playbook for Sustainable Rental Growth

Investor Fuel Real Estate Investing Mastermind - Audio Version

Play Episode Listen Later Oct 20, 2025 21:49


In this conversation, Stephen Horan shares his experience of recovering from a wildfire that destroyed his home. He discusses the importance of financial diligence and strategic investment in real estate, highlighting how he managed his insurance payout and leveraged loans to renovate a property that has significantly increased in value.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Pharmacy Podcast Network
PRISM Enters the Chat & LTC Insurance in Pharmacy | TWIRx RxRated

Pharmacy Podcast Network

Play Episode Listen Later Oct 17, 2025 92:59


Money Meets Medicine
Is Your Emergency Fund Too Big?

Money Meets Medicine

Play Episode Listen Later Oct 16, 2025 26:57


What if your emergency fund is actually too big? In this week's episode, Dr. Jimmy Turner and Justin Harvey tackle that question — plus a few more from listeners in another grab-bag style show that blends practical advice with behavioral finance insights. Specifically they tackle:When to Drop Life & Disability Insurance:How to decide if you're truly financially independent enough to cancel term life or long-term disability — and why many physicians pull the trigger too early.Lease or Buy That New Car?:With income jumps and lifestyle creep in mind, they unpack whether to lease a luxury SUV or buy something mid-range, how financing fits into a high-income household, and why automating your financial goals should come before upgrading your ride.The “Too Big” Emergency Fund Debate:How much cash should high earners keep on hand — and why disagreements over emergency funds often trace back to money stories and emotional experiences around security and scarcity.From peace-of-mind trade-offs to spousal financial dynamics, this episode dives deep into the intersection of math, mindset, and marriage.

Money Meets Medicine
Is Your Emergency Fund Too Big (Updated)?

Money Meets Medicine

Play Episode Listen Later Oct 16, 2025 26:57


What if your emergency fund is actually too big? In this week's episode, Dr. Jimmy Turner and Justin Harvey tackle that question — plus a few more from listeners in another grab-bag style show that blends practical advice with behavioral finance insights. Specifically they tackle:When to Drop Life & Disability Insurance:How to decide if you're truly financially independent enough to cancel term life or long-term disability — and why many physicians pull the trigger too early.Lease or Buy That New Car?:With income jumps and lifestyle creep in mind, they unpack whether to lease a luxury SUV or buy something mid-range, how financing fits into a high-income household, and why automating your financial goals should come before upgrading your ride.The “Too Big” Emergency Fund Debate:How much cash should high earners keep on hand — and why disagreements over emergency funds often trace back to money stories and emotional experiences around security and scarcity.From peace-of-mind trade-offs to spousal financial dynamics, this episode dives deep into the intersection of math, mindset, and marriage.

The Steve Harvey Morning Show
Uplift: He discusses how church should be a hub for education, empowerment, and economic development—not just spiritual guidance.

The Steve Harvey Morning Show

Play Episode Listen Later Oct 9, 2025 21:29 Transcription Available


Strawberry Letter
Uplift: He discusses how church should be a hub for education, empowerment, and economic development—not just spiritual guidance.

Strawberry Letter

Play Episode Listen Later Oct 9, 2025 21:29 Transcription Available


Crazy Sh*t In Real Estate with Leigh Brown
Mindset, Mission, and Mentorship in Real Estate with Travis Perry

Crazy Sh*t In Real Estate with Leigh Brown

Play Episode Listen Later Oct 9, 2025 46:07


Travis Perry didn't just buy his first home at 21, he used it as a launchpad for something bigger. Rooted in faith, discipline, and community, his Hero Training philosophy is reshaping how we think about ownership and legacy. In this episode, we'll uncover the mindset behind building wealth with purpose and why it starts long before the closing table. Hit play to learn how real estate became the foundation for impact that lasts!   Key takeaways to listen for The unexpected lesson Travis learned from buying his first home at 21 What “Hero Training” means and why it starts with discipline How faith and financial literacy work together to build legacy Why Travis teaches mentorship through action, not just advice The deeper reason real estate became his vehicle for purpose   Resources mentioned in this episode HERO TRAINING: THE POWER OF PERSPECTIVE by The Honorable Trab P THE POWER OF POSITION: FOOTBALL AND HERO TRAINING by Charles Perry, et. al. Cash App: Scan to Pay Kingdom Overflow Ministries MERCHANDISE LINK  https://www.redbubble.com/people/HOODSOUL/shop?asc=u   About Travis Perry Travis Perry, known as The Honorable Trab P., is an author, artist, teacher, and consultant who has spent over 26 years in leadership within the manufacturing industry. Alongside his career, he has built creative and educational platforms designed to inspire and empower communities.   Connect with Travis Instagram: @trabperry   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.