Podcasts about Financial literacy

SummaryIn this episode of Money Monday, Benjamin Lee reflects on the significance of Dr. Martin Luther King Jr. Day and shares insights from two impactful articles about financial literacy and the experiences of professional athletes. The first article discusses Tim Duncan's experience of losing $20 million due to betrayal by a financial advisor, emphasizing the importance of trust and financial knowledge. Duncan's story serves as a cautionary tale about the necessity of being vigilant with one's finances, regardless of wealth. Lee highlights key takeaways from Duncan's experience, including the need for basic financial literacy and the importance of having a cash reserve.The second article focuses on Jeff Teague, who, despite earning a substantial income in the NBA, chose to live with his parents to maintain financial prudence. Teague's story illustrates the value of frugality and making wise financial decisions, even when faced with lucrative contracts. Lee concludes with a reminder that chasing money does not guarantee happiness, urging listeners to consider the broader implications of their financial choices. Overall, the episode emphasizes the importance of financial awareness and the lessons that can be learned from the experiences of others.Chapters00:00 Introduction and Martin Luther King Jr. Day Reflection00:58 Tim Duncan's Financial Betrayal06:58 Jeff Teague's Frugal Living ChoicesBooks, Blogs, Newsletter, Merch https://benjaminlee.blogI Can Do Podcast: https://icandopodcast.comYoutube: Chapters 00:00 Introduction and Martin Luther King Jr. Day Reflection 00:58 Tim Duncan's Financial Betrayal 06:58 Jeff Teague's Frugal Living Choices

This week on the Chamber Podcast, Rob sits down with Steve Grech, CEO of LOC Credit Union, and Stephanie Hamlin, Community Impact Manager, to talk about what it really means to be a community-first financial institution. With 90 years of history and more than 50 years serving Livingston County, LOC focuses on doing a few things exceptionally well, from affordable car loans and home equity lending to strong digital banking paired with real human relationships. Steve shares how LOC differentiates itself in a crowded financial market through thoughtful lending practices and service-driven culture, while Stephanie highlights the credit union's deep investment in financial education, school partnerships, and local programs that build confidence from elementary school through adulthood. The conversation offers a clear look at how staying focused, accessible, and people-centered helps LOC strengthen both financial health and community trust. 00:00 LOC Credit Union's Journey 03:12 What Makes LOC Unique? 06:00 Building Trust Through Relationships 09:15 Financial Literacy in Schools 12:22 2026 Initiatives and Community Engagement 15:15 Lending Wider and Deeper Show Links Learn more about the Brighton Chamber by visiting our website. Website: https://www.brightoncoc.org/  Guest Links Website: https://www.loccreditunion.com/ Guest Info: LOC celebrated our 90th Anniversary in 2025 with 6 locations across Livingston, Oakland and Wayne Counties. We like to think LOC stands for Lender of Choice for Auto Loans & Home Equity Loans while focusing on delivering five-star member service.   Our Brighton Branch opened in June of 2024 and is located on Grand River Avenue just outside of downtown, next to Planet Fitness and AutoZone.  We have had a presence in Livingston County for 50 years. In 1976 we opened in Howell and have been at our current location on Grand River since 1997. Our current Hartland location opened in 2007 at Old 23 and M59. As we continue to invest in Livingston County, we will be building a full-service branch with a drive thru in 2026. This branch will be adjacent to the Hartland Target parking lot.  Community Sponsorships and Volunteer Involvement:  In 2024 we partnered with Bountiful Harvest when we made large financial donation upon the opening of the Brighton branch in 2024. We continue to support their mission by providing an annual cereal drive where the donations stay right here in Livingston County and our staff volunteers at the food bank.  Brighton, Howell and Hartland - Athletic Business Sponsorships  Brighton Chamber Efforts and Events- the Farmer's Market Flower Day- Bouquet Building Station, Volunteering at Chamber Events such as the Smokin Blues and Brighton Holiday Glow Reindeer Game Sponsorship.  For the third year in a row, we sponsored the Tunnel of Lights at the Millpond Bridge for the community to enjoy a seasonable photo opportunity. Financial Literacy and Education Efforts The Community Impact Team provides a variety of financial education classroom experiences for grades K -12. Creating hands on experiences that give students a solid foundation for the real world. We also operate 19 student-run credit unions across Farmington and Livingston County that give students an independent interactive experience with banking and managing money.

Lillian Zhang is a financial and career educator. Her book, "The New Money Rules: The GenZ Guide to Personal Finance" covers how to eliminate debt and offers non-judgmental advice on saving and investing. Zhang talks to KQED's Marlena Jackson-Retondo about the tips she gives to young people managing their own finances for the first time.

In this episode of Good Morning Liberty, hosts Nate Thurston and Charles Chuck Thompson cover various topics, starting with weekend anecdotes about watching playoff football and visiting Illinois. We talk about Don Bongina's recent controversy, examining the former FBI agent's handling of criticism and accusations of gaslighting. Then we address Trump's efforts to target Federal Reserve Chairman Jerome Powell over interest rates and renovations to Fed buildings, connecting these actions to broader themes about government overreach and economic policy. The episode wraps up with a critique of Trump's proposal to cap credit card interest rates at 10%, discussing the potential economic and political ramifications of such a move. 00:00 Intro 01:37 Dan Bongino Controversy 06:30 Christie Noem's Drone Post 10:51 Jerome Powell and Federal Reserve Investigation 26:11 Government and Mobsters: A Comparison 26:30 Trump's Affordability Measures 27:19 Credit Card Interest Rate Cap Debate 30:31 Personal Responsibility and Financial Literacy 37:42 Government Intervention and Market Competition 44:46 Historical Context of Usury Laws 50:04 Final Thoughts and Wrap-Up  

Send us a textIs your financial future riding on the next election—or are you ready to take control no matter who's in office? In this empowering episode of The Good Enough Mompreneur Podcast, host Angela Masciulli sits down with wealth strategist, CEO, and author Dr. Laquore Meadows, who shares how she went from poverty to Ph.D. and now teaches others to generate income on demand through stocks and options trading.Dr. Meadows breaks down how to build lasting wealth using her Wealth HOUZ framework, explains why market volatility doesn't have to paralyze your financial goals, and how to finally shift from renting your financial future to owning it—without needing a background in finance.We talk money mindset, the myth of political dependency, and how moms and women of color can start building a legacy—starting today.This episode is for you if:You've been intimidated by investingYou think financial success is out of reachYou want real, tactical steps to grow your wealth

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Justin M. Lee. Purpose of the Interview To showcase Dr. Lee’s journey from a young real estate agent to a multi-industry entrepreneur. To inspire listeners with strategies for wealth-building through real estate, construction, and logistics. To encourage financial literacy, ownership, and collaboration within underserved communities. To issue a call to action for minorities to explore opportunities like Amazon DSP and real estate investment. Key Takeaways Early Career & Education Started young in real estate, embraced discomfort in rooms dominated by older professionals. Leveraged millennial tech skills (social media marketing) to help veteran brokers grow. Earned a doctorate degree and became a licensed real estate broker. Social Media as a Business Tool Built a strong presence on TikTok (90K followers) and other platforms. Helped older real estate firms thrive by creating digital visibility. Emphasized that “business must look as good online as in person.” Financial Literacy & Homeownership African-American communities often lack foundational financial knowledge. Key barriers: misunderstanding credit, fear of debt, and lack of exposure to ownership benefits. Advocates teaching the difference between good debt (real estate) and bad debt (consumer credit). Real Estate Process Initial onboarding: credit score, income, tax filing. Connect clients with lenders, secure pre-approval, then negotiate and close within 30–45 days. Uses property tours as motivation even for those not yet approved. Pooling Resources for Wealth Industry dominated by white men and foreign investors who use syndication. Dr. Lee created a private family fund with fraternity brothers and friends. Acquired 150+ apartment units and commercial properties by pooling resources and forming LLCs. Amazon DSP Opportunity Owns an Amazon Delivery Service Partner business (42 trucks, 200 employees). Offers minorities a chance to apply for DSP with $10K grant. Taught him true CEO skills: HR, payroll, compliance, and scaling operations. Construction Business Entered construction after experiencing exploitation in fix-and-flip projects. Learned the business side (permits, change orders) and got licensed. Built major projects like a 10,000 sq. ft. restaurant in Atlanta. Advocates for Black representation in construction, an industry dominated by whites and Hispanics. Personal Background Raised in New Orleans during Katrina by a single mother and grandparents. Mother invested FEMA checks into real estate, teaching him property management and renovation skills early. Believes knowledge is power and emphasizes planning and consistency. Notable Quotes On embracing discomfort:“I learned to embrace the uncomfort and make it one of my biggest strengths.” On social media:“You have to make your business look the same way online as in person.” On financial literacy:“Real estate is always going to be good debt. Bad debt is the Macy’s card.” On collaboration:“Pooling resources shows how far we can go and how fast we can go—but together.” On planning:“If you don’t plan, you plan to fail. All you have to do is stick to the plan.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Justin M. Lee. Purpose of the Interview To showcase Dr. Lee’s journey from a young real estate agent to a multi-industry entrepreneur. To inspire listeners with strategies for wealth-building through real estate, construction, and logistics. To encourage financial literacy, ownership, and collaboration within underserved communities. To issue a call to action for minorities to explore opportunities like Amazon DSP and real estate investment. Key Takeaways Early Career & Education Started young in real estate, embraced discomfort in rooms dominated by older professionals. Leveraged millennial tech skills (social media marketing) to help veteran brokers grow. Earned a doctorate degree and became a licensed real estate broker. Social Media as a Business Tool Built a strong presence on TikTok (90K followers) and other platforms. Helped older real estate firms thrive by creating digital visibility. Emphasized that “business must look as good online as in person.” Financial Literacy & Homeownership African-American communities often lack foundational financial knowledge. Key barriers: misunderstanding credit, fear of debt, and lack of exposure to ownership benefits. Advocates teaching the difference between good debt (real estate) and bad debt (consumer credit). Real Estate Process Initial onboarding: credit score, income, tax filing. Connect clients with lenders, secure pre-approval, then negotiate and close within 30–45 days. Uses property tours as motivation even for those not yet approved. Pooling Resources for Wealth Industry dominated by white men and foreign investors who use syndication. Dr. Lee created a private family fund with fraternity brothers and friends. Acquired 150+ apartment units and commercial properties by pooling resources and forming LLCs. Amazon DSP Opportunity Owns an Amazon Delivery Service Partner business (42 trucks, 200 employees). Offers minorities a chance to apply for DSP with $10K grant. Taught him true CEO skills: HR, payroll, compliance, and scaling operations. Construction Business Entered construction after experiencing exploitation in fix-and-flip projects. Learned the business side (permits, change orders) and got licensed. Built major projects like a 10,000 sq. ft. restaurant in Atlanta. Advocates for Black representation in construction, an industry dominated by whites and Hispanics. Personal Background Raised in New Orleans during Katrina by a single mother and grandparents. Mother invested FEMA checks into real estate, teaching him property management and renovation skills early. Believes knowledge is power and emphasizes planning and consistency. Notable Quotes On embracing discomfort:“I learned to embrace the uncomfort and make it one of my biggest strengths.” On social media:“You have to make your business look the same way online as in person.” On financial literacy:“Real estate is always going to be good debt. Bad debt is the Macy’s card.” On collaboration:“Pooling resources shows how far we can go and how fast we can go—but together.” On planning:“If you don’t plan, you plan to fail. All you have to do is stick to the plan.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Justin M. Lee. Purpose of the Interview To showcase Dr. Lee’s journey from a young real estate agent to a multi-industry entrepreneur. To inspire listeners with strategies for wealth-building through real estate, construction, and logistics. To encourage financial literacy, ownership, and collaboration within underserved communities. To issue a call to action for minorities to explore opportunities like Amazon DSP and real estate investment. Key Takeaways Early Career & Education Started young in real estate, embraced discomfort in rooms dominated by older professionals. Leveraged millennial tech skills (social media marketing) to help veteran brokers grow. Earned a doctorate degree and became a licensed real estate broker. Social Media as a Business Tool Built a strong presence on TikTok (90K followers) and other platforms. Helped older real estate firms thrive by creating digital visibility. Emphasized that “business must look as good online as in person.” Financial Literacy & Homeownership African-American communities often lack foundational financial knowledge. Key barriers: misunderstanding credit, fear of debt, and lack of exposure to ownership benefits. Advocates teaching the difference between good debt (real estate) and bad debt (consumer credit). Real Estate Process Initial onboarding: credit score, income, tax filing. Connect clients with lenders, secure pre-approval, then negotiate and close within 30–45 days. Uses property tours as motivation even for those not yet approved. Pooling Resources for Wealth Industry dominated by white men and foreign investors who use syndication. Dr. Lee created a private family fund with fraternity brothers and friends. Acquired 150+ apartment units and commercial properties by pooling resources and forming LLCs. Amazon DSP Opportunity Owns an Amazon Delivery Service Partner business (42 trucks, 200 employees). Offers minorities a chance to apply for DSP with $10K grant. Taught him true CEO skills: HR, payroll, compliance, and scaling operations. Construction Business Entered construction after experiencing exploitation in fix-and-flip projects. Learned the business side (permits, change orders) and got licensed. Built major projects like a 10,000 sq. ft. restaurant in Atlanta. Advocates for Black representation in construction, an industry dominated by whites and Hispanics. Personal Background Raised in New Orleans during Katrina by a single mother and grandparents. Mother invested FEMA checks into real estate, teaching him property management and renovation skills early. Believes knowledge is power and emphasizes planning and consistency. Notable Quotes On embracing discomfort:“I learned to embrace the uncomfort and make it one of my biggest strengths.” On social media:“You have to make your business look the same way online as in person.” On financial literacy:“Real estate is always going to be good debt. Bad debt is the Macy’s card.” On collaboration:“Pooling resources shows how far we can go and how fast we can go—but together.” On planning:“If you don’t plan, you plan to fail. All you have to do is stick to the plan.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode of Wake Up Call, we look back at the LA fires a year later, and a special report on the fatal shooting of a woman by an ICE agent in Minneapolis. We also discuss the new food pyramid, which emphasizes cutting out processed foods, and the importance of personal finance education in schools. Additionally, we talk to Dr Bill Hensley, the President and CEO of the National Endowment for Financial Education about the benefits of teaching financial literacy to young people.See omnystudio.com/listener for privacy information.

To celebrate this 400th episode, I'm joined by Andrew Jacobs, an osteopath turned mortgage broker who specialises in working with allied health professionals. Andrew is also the author of Paid Off and Healthy Money, two books written specifically to improve financial literacy among health practitioners. In this episode, we explore why so many podiatrists feel uncomfortable talking about money, despite financial stress being one of the biggest contributors to burnout and career dissatisfaction. Andrew explains how understanding basic financial concepts, such as cash flow, debt, lending structures, and repayment strategies, can have a massive long-term impact on your career options and lifestyle. We also discuss why banks actually view podiatrists as low-risk borrowers, the profession-specific lending opportunities many podiatrists don't know exist, and how small changes made early can save hundreds of thousands of dollars over time. This conversation isn't about chasing wealth. It's about creating choice, flexibility, and long-term security. Learn more about Andrew Jacobs and download his books at www.mortgagechoice.com.au/andrew.jacobs I also encourage you to read the full show notes and find all episode links at www.podiatrylegends.com Are you looking for a one-on-one business coach that's actually done what they teach? A business owner I spoke with in early 2024 made an extra $40,000 by following my advice from a 30-minute FREE Zoom call.  Think about it - You have everything to gain and nothing to lose. Please use the link below to schedule your Zoom call.  https://calendly.com/tysonfranklin/podmeeting30  If you're not yet ready to contact me, consider buying my Books - https://amzn.to/4oBl3r3

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. George C. Fraser. Chairman & CEO of FraserNet, Inc. Purpose of the Interview The interview aimed to: Promote financial literacy, wealth-building strategies, and entrepreneurial thinking within the Black community. Share actionable steps for creating generational wealth and economic empowerment. Highlight FraserNet’s mission to foster networking, education, and business development for people of African descent. Key Takeaways Knowledge & Execution Are Critical “My people perish for lack of knowledge”—Dr. Fraser emphasizes that progress requires knowledge and execution, not just protest. Rejecting knowledge leads to stagnation; skill-building and financial education are essential. Entrepreneurial Thinking vs. Entrepreneurship Focus on taking ownership and responsibility for your life. Entrepreneurial thinking can evolve into entrepreneurship, creating jobs and wealth for the community. Black Economic Empowerment By the end of the 21st century, Black people must become the #1 employer of Black people, mirroring other ethnic groups. This requires sacrifice, planning, and multiple income streams. Practical Wealth-Building Steps Open a high-interest savings account and start with $100. Buy stocks in companies you use (Nike, McDonald’s, Home Depot). Open or maximize 401(k), IRA, or Roth IRA contributions. Improve credit score by 20 points every six months until above 700. Pay $50 above minimum payments on credit cards and loans to reduce payoff time. Research term vs. whole life insurance—insurance is key for wealth transfer. Start a 529 college plan or Roth IRA for children. Gift U.S. Treasury bonds or indexed universal life policies for grandchildren. Generational Wealth & Insurance 60% of wealth transfer occurs through proper insurance planning. Example: Indexed universal life policies can yield millions tax-free for future generations. Seven Streams of Income Earned income (jobs), Profit income (buying/selling), Interest income, Dividend income, Rental income, Capital gains, Royalty income. Goal: Add a new income stream every year. Mindset Shift “The rich stay rich by pretending to be poor; the poor stay poor by pretending to be rich.” Focus on winning, not looking like you’re winning. Giving Wealth Support Black-owned businesses, restaurants, salons, authors. Volunteer, tithe, and donate to HBCUs. Encourage and uplift Black men, women, and children. Notable Quotes “We are suffering because we cannot see our problems clearly.” “Execution, execution, execution—protest without execution is meaningless.” “To be gifted, Black, and beautiful means nothing unless you are Black and powerful.” “Don’t quit your job until your side income covers twice your monthly expenses.” “White folks plan for three generations; we plan for Saturday night.” “Money attracts money—start with $100 in a savings account.” “There should not be a Negro in America with a single stream of income.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The FINRA Investor Education Foundation's National Financial Capability Study is an expansive source of data and insights about the financial lives of U.S. adults. Conducted every three years, this wide-ranging research effort includes the Investor Survey, an in-depth exploration of the attitudes, behaviors, knowledge and experiences of retail investors across the country.In December, the FINRA Foundation published the latest iteration of the survey, titled "Investors in the United States: Results from the FINRA Foundation's National Financial Capability Study." Drawing on responses from nearly 3,000 respondents in the U.S. with non-retirement investment accounts, the latest edition builds on previous Investor Survey reports, conducted every three years since 2015.On this episode of FINRA Unscripted, FINRA Foundation President Gerri Walsh, the Foundation's Research Director Gary Mottola, and Senior Researcher Olivia Valdes discuss the study's wide-ranging findings and implications.Resources mentioned in this episode:The National Financial Capability Study (NFCS)Investors in the United States A Report of the National Financial Capability StudyState-by-State NFCSInvesting Knowledge QuizEp. 176: National Financial Capability Study: Key Trends and InsightsYou Know More Than You Think: Unrealized Knowledge in “Don't Know” Responses to Financial Knowledge Questions2026 FINRA Annual Regulatory Oversight ReportBrokerCheckSocial Media Key Topics Page Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.

Recorded January 3, 2026   Anna and I begin 2026 as we ended 2-25---finishing up our holidays until work calls.... In the meantime there were three games played resulting in a 1-2 record. There was good and bad and we go over it all.   Visit Empowering Education  today if you are interested in emrolling in our upcming 8-week Financial Literacy course.   #ALLCAPS #SportsOTHP #LockedOnCapitals #SucramCapitalsOffTheirChain #JenayaTalksCaps #TheOfficialCapsChirpPodcast  

Tripp Limehouse delves into the concept of financial independence, emphasizing that it goes beyond just accumulating wealth. They discuss the emotional aspects of retirement, the importance of creating income and distribution plans, and the role of passive income in achieving financial stability. The conversation also covers retirement savings trends, the transition from accounts to plans, and the significance of estate planning. Additionally, they highlight the importance of catch-up contributions, navigating hardship withdrawals, and preparing for healthcare costs in retirement. The episode concludes with a focus on long-term care planning and the necessity of having a comprehensive retirement plan. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Professional Builders Secrets brings you an exclusive episode with Blake Doolan from The Not So Silent Business Partner. In this episode, Blake breaks down how builders can take control of their financials in a way that's simple, practical, and sustainable. Drawing on deep experience in construction bookkeeping and financial systems, Blake explains why understanding your numbers is the key to confident decision-making, long-term growth, and real freedom in business.This episode is sponsored by Apparatus Contractor Services, click the link below to learn more:hubs.ly/Q02mNSsG0INSIDE EPISODE 219 YOU WILL DISCOVER Why many builders feel profitable but still struggle with cash flowThe biggest mistakes builders make when tracking financialsHow the right job management system simplifies financial controlWhy consistency matters more than complexityHow financial clarity reduces stress and improves decision-makingAnd much, much more.ABOUT BLAKE DOOLANBlake Doolan is the Managing Director of The Not So Silent Business Partner, helping residential builders gain clarity and control over their finances. With deep experience in construction accounting and job management systems, Blake focuses on practical financial solutions that enable confident decisions, sustainable growth, and long-term freedom.Connect with Blake: linkedin.com/in/blake-doolan-3243821b4/?originalSubdomain=auTIMELINE 2:10 Why builders struggle with financial clarity5:05 Why freedom matters more than profit7:30 The power of making systems simple10:15 How to choose the right job management software15:40 Why getting WIP wrong can cost you millions20:30 How financial systems helped a builder step away from the businessLINKS, RESOURCES & MOREAPB Website: associationofprofessionalbuilders.comAPB Rewards: associationofprofessionalbuilders.com/rewards/APB on Instagram: instagram.com/apbbuilders/APB on Facebook: facebook.com/associationofprofessionalbuildersAPB on YouTube: youtube.com/c/associationofprofessionalbuilders

In this Leadership Takeover Session, Stuart Miller, Director of Public Policy and Technology Research at Xero, shares what's really happening behind the scenes with MTD, AI and financial literacy – and what it all means for UK bookkeepers. If you've ever wondered who sits in the rooms with government, regulators and tech companies speaking up for small businesses and their advisers, this episode joins those dots. Stuart didn't set out to be an accountant. He fell into practice to avoid paying rent to his parents, trained through AAT, and built his career in firms where tattoos, shaved heads and “not fitting the mould” were still frowned upon. He talks about the managers who backed him, the crying client whose tax-return anxiety helped him find his purpose, and the R&D projects where better tax advice funded real-world change – like extracting myrrh oil to support schools in Africa. Today, his role at Xero spans smart data, late payments, e-invoicing, unique business identifiers, AI policy and MTD. He explains what his week actually looks like: responding to consultations, sitting on smart data groups, meeting departments like Business and Trade, and feeding the voice of accountants and bookkeepers into policy. Find out about the benefits of becoming a Xero Partner, here: https://www.xero.com/uk/partner-programme/?UTM_Source=6fb The conversation also tackles AI. Stuart sees AI as an efficiency driver, not a replacement for bookkeepers. He talks about using AI to speed up reconciliation, summarise long email newsletters and surface insights, while the real value sits in the 20% of work that is deeply human: handling ambiguity, context and emotion. A big theme is financial literacy and social mobility. Stuart is passionate about closing the gap for people who were never taught about interest rates, APR or cash flow at home or at school. He talks about Xero's financial literacy campaign, which offers bite-size guidance and mentoring for people from disadvantaged backgrounds or those starting a business with no financial training. Crucially, it's open to everyone, not just software users, and supported by accountants and bookkeepers who volunteer their time to help. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

Mr. Beast Biography Flash a weekly Biography.Jimmy Donaldson, the YouTube titan known as MrBeast, has been making waves with bold pivots that could redefine his empire just days into the new year. In a fresh interview with creator Jon Youshaei posted Monday, Business Insider reports Donaldson revealing plans for a dedicated YouTube channel on financial literacy, teaching fans about investing, Roth IRAs, and smart money moves. Its a natural evolution from his cash-stuffed stunts, like the 10 million dollar giveaway on Beast Games first season, and ties into his teased MrBeast Financial services business, with CEO Jeffrey Housenbold confirming expansion into loans and insurance via investor decks.At The New York Times DealBook Summit earlier this month, Donaldson dished on shifting his main channel strategy as fans tire of spectacle, per Business Insider. Hes doubling down on emotional storytelling, longer 25 minute videos, animation, and micro dramas, while cutting costs after losing millions on extravagant productions. Housenbold hinted at a potential IPO, eyeing ways to let his 1.4 billion global viewers own stakes in Beast Industries, now valued at five billion dollars, as TechCrunch details amid lawsuits over Beast Games set conditions and MrBeast Burger woes.Business buzzed with Starbucks partnering for Beast Games season two, debuting January seventh on Prime Video, fueling contestants with 24/7 coffee in Beast City and a limited Cannon Ball Drink from January 14th, Marketing Dive confirms. On December 26th, Associated Press covered Donaldson advising parents of aspiring kid influencers to prioritize education over fame. His December 20th 30 Days in the Sky YouTube challenge featured a Starbucks drop for a contestant vying for a 50 thousand dollar gift card.No major headlines in the past 24 hours, but these moves signal long term bets on education, finance, and efficiency, potentially cementing his biographical leap from stunt king to mogul.Thanks for tuning into this MrBeast episode of Biography Flash. Subscribe to never miss an update on MrBeast and search Biography Flash for more great biographies.And that is it for today. Make sure you hit the subscribe button and never miss an update on Mr. Beast. Thanks for listening. This has been a Quiet Please production."Get the best deals https://amzn.to/4mMClBvThis content was created in partnership and with the help of Artificial Intelligence AI

Right Thinking with Steve Coplon | Guest: Donna CoplonThis week's show is called "Why Listening Skills Are So Important" with Donna Coplon.  Tune in and hear Donna and Steve talk about the key to a healthy family is good communication, and good communication starts with good listening skills.https://www.talknetworkradio.com/hosts/right-thinking

In this Leadership Takeover session, Kate Hayward, Managing Director of Xero UK, shares how growing up in a self-employed household shaped her views on risk, money and why bookkeepers are now more vital than ever to small businesses. For UK bookkeepers, this is a clear, honest look at where the profession is heading and how to stay at the centre of it. Kate talks about watching her parents worry over money at the kitchen table, how that drove her into a science degree and a Big Four career, and why she eventually left the perceived safety of that world to join a fast-growing tech company while planning to start a family. She shares the leadership moment that stopped her from self-selecting out of a senior role because of motherhood, and why background should never limit whose voice is heard in business or policy. A major theme of the conversation is financial literacy. Kate explains why the UK still lacks a joined-up, practical approach to money education and why Xero has invested in its financial literacy campaign to try to change that. She describes financial literacy as a life-cycle issue, from what children see at home to the decisions business owners face as they grow. For bookkeepers and accountants, Kate is clear: you are the lifeline for many small businesses. With the disappearance of the traditional bank manager, clients now turn to their adviser to interpret the numbers, sense-check decisions and connect them to wider support. She also acknowledges that many advisers were never taught sales, marketing or entrepreneurship, even though clients increasingly expect that wider commercial input. Find out about the benefits of becoming a Xero Partner, here: https://www.xero.com/uk/partner-programme/?UTM_Source=6fb The episode also tackles AI and the future of the profession. Kate's view is firm: AI will not replace bookkeepers or accountants. It will remove repetitive manual work and create space for deeper conversations, better insight and more ambitious client growth. The skills that matter most become communication, commercial thinking, pricing confidence and the ability to guide clients through uncertainty. If you are a UK bookkeeper or accountant who cares about small business, worries about AI, or wants to play a bigger role in clients' financial understanding and long-term success, this conversation with Kate Hayward will help you see what's coming next — and how you can stay essential. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

In this Sofa Session, Kate Hayward, Managing Director of Xero UK, shares how growing up in a self-employed household shaped her views on risk, money and why bookkeepers are now more vital than ever to small businesses. For UK bookkeepers, this is a clear, honest look at where the profession is heading and how to stay at the centre of it. Kate talks about watching her parents worry over money at the kitchen table, how that drove her into a science degree and a Big Four career, and why she eventually left the perceived safety of that world to join a fast-growing tech company while planning to start a family. She shares the leadership moment that stopped her from self-selecting out of a senior role because of motherhood, and why background should never limit whose voice is heard in business or policy. A major theme of the conversation is financial literacy. Kate explains why the UK still lacks a joined-up, practical approach to money education and why Xero has invested in its financial literacy campaign to try to change that. She describes financial literacy as a life-cycle issue, from what children see at home to the decisions business owners face as they grow. For bookkeepers and accountants, Kate is clear: you are the lifeline for many small businesses. With the disappearance of the traditional bank manager, clients now turn to their adviser to interpret the numbers, sense-check decisions and connect them to wider support. She also acknowledges that many advisers were never taught sales, marketing or entrepreneurship, even though clients increasingly expect that wider commercial input. The episode also tackles AI and the future of the profession. Kate's view is firm: AI will not replace bookkeepers or accountants. It will remove repetitive manual work and create space for deeper conversations, better insight and more ambitious client growth. The skills that matter most become communication, commercial thinking, pricing confidence and the ability to guide clients through uncertainty. If you are a UK bookkeeper or accountant who cares about small business, worries about AI, or wants to play a bigger role in clients' financial understanding and long-term success, this conversation with Kate Hayward will help you see what's coming next — and how you can stay essential. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

Mr. Beast Biography Flash a weekly Biography.Jimmy Donaldson, the YouTuber known as MrBeast, just dropped a bombshell in an interview with creator Jon Youshaei posted Monday, revealing plans for a new YouTube channel dedicated to financial literacy, teaching fans about investing, Roth IRAs, and smart money moves. Business Insider reports this fits his cash-heavy stunts like the 10 million dollar Beast Games prize, while teasing an upcoming MrBeast Financial services venture, possibly including student loans and insurance via a fintech partner. Entrepreneur echoes the scoop, noting his 454 million subscribers could make personal finance go viral.In the past 24 hours, National Post highlighted a fresh clip where Donaldson insists it would feel irresponsible not to leverage his platform reaching one in 10 people worldwide for positivity, underscoring his global sway. Beast Industries CEO Jeff Housenbold fueled IPO buzz at the DealBook Summit earlier this month, per TechCrunch, hinting at letting his 1.4 billion recent viewers become company owners someday, building on last years five billion dollar valuation.No major public appearances or social media mentions popped in the last few days, but his philanthropy machine keeps humming with the Rockefeller Foundations recent strategic partnership with Beast Philanthropy, as Devex details, blending influencer flair with institutional aid amid 2025s humanitarian crises. Ongoing lawsuits from Beast Games contestants over set conditions linger without updates, Fortune notes from September, yet his empire Feastables chocolates outprofiting media arms signals long-term biographical muscle.Thanks for tuning into this MrBeast episode of the podcast. Subscribe to never miss an update on MrBeast and search Biography Flash for more great biographies.And that is it for today. Make sure you hit the subscribe button and never miss an update on Mr. Beast. Thanks for listening. This has been a Quiet Please production."Get the best deals https://amzn.to/4mMClBvThis content was created in partnership and with the help of Artificial Intelligence AI

Laura Rehbein is guiding successful professionals—retired or not—with straightforward strategies that replace financial uncertainty with confidence and clarity.Laura Rehbein is a Private Wealth Advisor and founder of Impavid Wealth Advisors, a franchise of Ameriprise Financial Services, LLC. With 30 years of experience, she specializes in helping successful professionals and recent retirees turn financial uncertainty into clear, confident action. Laura works with those who've saved and succeeded— but now wonder what's next. Her planning process is designed to simplify complexity and provide practical peace of mind.Laura is the author of Fearless Finance, a relatable guide that helps people avoid “bad math,” plan for longevity, and address overlooked essentials like digital assets and pet trusts. Having taken on financial responsibility at just 12 years old, she brings empathy, realism, and wisdom to every conversation. Through personalized income strategies and ongoing support, Laura helps clients face the future with the fearlessness her firm's name—Impavid—was built on.Contact Details: Email: laura.l.rehbein@ampf.com Business: Impavid Wealth AdvisorsWebsite: www.impavidwealthadvisors.com Social Media:LinkedIN - https://www.linkedin.com/in/laurarehbein/ Facebook - https://www.facebook.com/ImpavidWealthAdvisorsEmail ImpavidWealthAdvisors@ampf.com with your name and address and and get a copy of your free bookRemember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3398: Jake Wengroff lays out a clear, actionable approach to mastering your money by shifting how you think about it, no spreadsheets, no stock-picking stress, just smart systems and mindset shifts. Drawing from Ramit Sethi's five-step method, this guide helps you automate your finances, uncover hidden income, invest early, eliminate debt, and boost earnings without sacrificing the joy of spending. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/financial-literacy/ Quotes to ponder: "You won't miss the money because all (or most) of your money will go where it's supposed to go, automatically." "Understanding how credit card debt, credit history, credit reports, and credit scores work, and their relationship to your overall financial health, is an important part of your financial literacy." "You can use the skills and experience you already have to make more money and put it into your accounts." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3398: Jake Wengroff lays out a clear, actionable approach to mastering your money by shifting how you think about it, no spreadsheets, no stock-picking stress, just smart systems and mindset shifts. Drawing from Ramit Sethi's five-step method, this guide helps you automate your finances, uncover hidden income, invest early, eliminate debt, and boost earnings without sacrificing the joy of spending. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/financial-literacy/ Quotes to ponder: "You won't miss the money because all (or most) of your money will go where it's supposed to go, automatically." "Understanding how credit card debt, credit history, credit reports, and credit scores work, and their relationship to your overall financial health, is an important part of your financial literacy." "You can use the skills and experience you already have to make more money and put it into your accounts." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3398: Jake Wengroff lays out a clear, actionable approach to mastering your money by shifting how you think about it, no spreadsheets, no stock-picking stress, just smart systems and mindset shifts. Drawing from Ramit Sethi's five-step method, this guide helps you automate your finances, uncover hidden income, invest early, eliminate debt, and boost earnings without sacrificing the joy of spending. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/financial-literacy/ Quotes to ponder: "You won't miss the money because all (or most) of your money will go where it's supposed to go, automatically." "Understanding how credit card debt, credit history, credit reports, and credit scores work, and their relationship to your overall financial health, is an important part of your financial literacy." "You can use the skills and experience you already have to make more money and put it into your accounts." Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you balance risk, legacy, and family lessons on your journey to retirement? This episode with Art McPherson explores setting your “financial thermostat,” the pitfalls of early Social Security, and the impact of tough love and smart tax strategies. Hear stories of generational wisdom, why enabling loved ones can backfire, and a special segment with Trisha Yearwood on financial literacy and holiday memories. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode of Money Mondays, Dan Fleyshman sits down with entrepreneur and educator Troy Millings to talk about building businesses, smart investing, and creating generational wealth. Troy shares how he built Earn Your Leisure into a multi-million-dollar brand and breaks down lessons on financial literacy, mentorship, and making an impact through live events like Invest Fest. This episode delivers practical insights on investing, entrepreneurship, and giving back with purpose.Troy Millings is an entrepreneur, educator, and founder of Earn Your Leisure, a multi-million-dollar brand focused on financial literacy, investing, and entrepreneurship. He hosts the Market Mondays podcast and produces Invest Fest, a live event connecting investors, entrepreneurs, and creators. Troy is known for helping people build wealth, make informed financial decisions, and create lasting impact.Like this episode? Watch more like it

Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check Most companies track KPIs. Very few actually change behavior because of them.In this episode, Steve explains when KPIs stop helping, and why staring at dashboards doesn't fix margin, profit, or cash flow. If your numbers keep sliding but nothing changes, this episode will show you what's missing and how to make KPIs actually matter._______________________________________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. LinkedIn | YouTube coltivar.com

Why do some people save every spare dollar, while others blow through their pay the moment it lands? It might have less to do with discipline and more to do with the way you were raised.Guest: Emily Stewart, ABC business reporter and author of Sensible MoneyIf this episode has you feeling *triggered*, you can sign up to Emily's handy money newsletter here (you're looking for Your Money Explained next to a picture of Emily). You might also like our previous chat about how to survive the cost of living crisis.  And if there are any topics you'd love us to cover, get in touch at quick.smart@abc.net.au--------You're listening to Quick Smart's summer season. We'll return with fresh episodes next year, but in the meantime please enjoy our special curation for the holidays. This episode originally aired on 17th June, 2025.

In this episode of the Tudor Dixon Podcast, Tudor sits down with OutKick founder Clay Travis for a wide-ranging conversation at the intersection of sports, politics, and culture. The discussion breaks down the latest Michigan football saga, the long-term consequences of Name, Image, and Likeness (NIL) deals in college athletics, and how shifting incentives are reshaping fan loyalty and competitive balance. Clay and Tudor also explore the growing demand for authenticity in media and politics, the role social media plays in amplifying controversy, and why financial literacy remains a major challenge for young athletes suddenly managing large sums of money. The episode further examines sports gambling regulations, cultural trust in institutions, and what current economic trends may signal for the upcoming midterm elections.See omnystudio.com/listener for privacy information.

OverviewIn this episode of The Academy Presents Real Estate Investing Rocks, Angel breaks down why financial literacy is the foundation of true financial freedom.Whether you are brand new to investing, feeling stuck, or already experienced and looking to sharpen your skills, this conversation brings clarity to what really separates those who build lasting wealth from those who don't.Topics CoveredWhy the American Dream has shifted and what it means for investors todayThe connection between financial literacy and empowermentWhy most millionaires invest in real estateThe difference between investing and gamblingDelayed gratification and building assets before liabilitiesThe concept of money and time as equal currenciesThe three foundational steps to financial successWhy education is the sixth asset classAligning investments with personal goals and lifestyle visionReal world examples of financial freedom through intentional choicesQuotes"Financial freedom isn't about how much money you have in your bank account, it's about the knowledge you have in your brain""Delayed gratification is the most important thing on the journey to financial freedom because assets create options and options create freedom"Connect with Angel: https://www.linkedin.com/in/angel-williams-re/Connect with Stuart https://www.linkedin.com/in/stuart-berryhill-67382486/

Conversation with Lillian Kline, cofounder of the DEA Network, looking into the organisation's role in providing financial education and peer support for women navigating wealth management. Kline also highlights the importance of gender diversity in investment decision-making and examines challenges, including "greenwashing" and shifting political landscapes.

In this rewind episode we chat with John Hope Bryant, the founder of Operation Hope, about his book Financial Literacy for All. We discuss about the problems of "bad capitalism" and how to bring everyone, no matter what color, creed, or gender, the badly needed financial education that is lacking in many communities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people spend their lives working for money… but what if your money could work for you instead?   In today's show, Brett Warren, national Director of Property at Metropole, and I break down the 10 key lessons from Robert Kiyosaki's book Rich Dad Poor Dad—the book that changed the way millions of people think about wealth.   From the difference between assets and liabilities, to why paying yourself first is the golden rule of financial freedom—we show you how to apply these timeless lessons in today's world.   Our conversation highlights some timeless principles that could guide you  towards financial independence and success.   Takeaways  ·         Financial literacy is essential for wealth retention. ·         Understanding the difference between assets and liabilities is crucial. ·         Emotional intelligence plays a key role in investment decisions. ·         Learning from failure is a pathway to success. ·         Mentorship can accelerate your financial journey. ·         Defining your 'why' helps in making investment decisions. ·         Paying yourself first is a fundamental principle of wealth building. ·         Investing requires a disciplined approach and a strategic plan. ·         Successful investors surround themselves with knowledgeable teams.     Chapters    02:10 – How 'Rich Dad Poor Dad' Changed the Way We Think About Money  05:36 – Assets, Liabilities, and the Power of Financial Literacy  08:31 – Emotions, Risk and Why Most Investors Fail  11:40 – Learning from Mistakes and Building Real Wealth  15:14 – Mindset, Mentorship and the Business of Investing  18:49 – Finding Your Why and Paying Yourself First   Links and Resources:   Answer this week's trivia question here - http://www.propertytrivia.com.au/ ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here.   Brett Warren - National Director of Property at Metropole   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

In this episode of "Next Steps 4 Seniors: Conversations on Aging," host Wendy Jones is joined by Bill Feldmaier and Mike Laske from Greenleaf Trust to discuss achieving financial peace of mind in retirement. They highlight the importance of comprehensive financial planning, organizing scattered assets, involving family in financial literacy, and working with fiduciary advisors. The conversation emphasizes proactive planning, clear documentation, and professional guidance to reduce anxiety, ensure smooth wealth transfer, and protect seniors’ legacies. Greenleaf Trust’s client-first approach and community involvement are showcased, encouraging seniors to seek expert help for a secure and confident retirement. For more information on Next Steps 4 Seniors, contact us at 248-651-5010 or at www.nextsteps4seniors.com Learn more : https://nextsteps4seniors.com/See omnystudio.com/listener for privacy information.

NBC News Chief Consumer Investigative Correspondent Vicky Nguyen demonstrates some easy fixes that can make a big difference when it comes to organizing your finances. Also, actor Sam Heughan stops by to discuss his new book “The Cocktail Diaries”, a collection of recipes, stories, and global adventures. Plus, best-selling author and women's health expert Dr. Mindy Pelz discusses how to reframe the way we talk and think about menopause and share tools that can help women live authentically. And, just in time to finish your holiday shopping, some of the best gifts from NBC Select's 100 Best Gifts list. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

So as I've done for the last couple of years, I'm taking a break from publishing new episodes for the month of December. New episodes will resume on Monday, January 5th. In the meantime, check out the info below on top episodes from 2025 to catch up on. Also, listen to hear plans for the podcast in 2026! 2025 Highlights: Top Episodes Topics Money Mindset Wealth Building Investing Episodes on Money Mindset 191 | Navigating Finances with a CFO Mindset 193 | Hip Hop and Financial Literacy 195 | Improve Your Money Behavior Part 1: Understanding Procrastination and our Spending Habits 196 | Improve Your Money Behavior Part 2: Investing 197 | From Middle-Class to Millionaire 207 | Breaking Free from Paycheck to Paycheck Living Part 1 – Mindset, Gratitude, and Challenging Conventional Financial Wisdom 208 | Breaking Free from Paycheck to Paycheck Living Part 2 – The Five-Step Savings Plan 213 | The Investor's Golden Playbook Part 2 – Mastering the Mindset for First Generation Wealth 222 | Love, Money, and Wealth in Relationships Part 1 223 | Love, Money, and Wealth in Relationships Part 2 225 | Level Up Your Finances Part 2 – Commitment, Momentum, and the Path to Financial Freedom Episodes on Wealth Building 185 | Child-Free Wealth: Rethinking Financial Independence 197 | From Middle-Class to Millionaire 208 | Breaking Free from Paycheck to Paycheck Living Part 2 – The Five-Step Savings Plan 210 | 7 Basic Wealth Strategies 211 | 7 Basic Wealth Strategies Part 2 – Navigating Debt and Cash Flow 212 | The Investor's Golden Playbook Part 1 – How a Financial Expert Built Wealth and a Legacy 219 | Lessons from Generational Wealth Part 1 220 | Lessons from Generational Wealth Part 2 – The Real Secrets of the Wealthy 222 | Love, Money, and Wealth in Relationships Part 1 225 | Level Up Your Finances Part 2 – Commitment, Momentum, and the Path to Financial Freedom Episodes on Investing 187 | For the Investment Curious 192 | Empowering Women: Investing with Confidence and Values 193 | Hip Hop and Financial Literacy 196 | Improve Your Money Behavior Part 2: Investing 200 | Financial Fees Explained: Navigating the Costs of Investment Advice 205 | Reviving Investment Clubs: Strategies for Young Investors 206 | Creating a Lasting Financial Legacy 213 | The Investor's Golden Playbook Part 2 – Mastering the Mindset for First Generation Wealth 226 | Demystifying Money, Becoming Financially Empowered Top 5 Episodes based on Downloads 198 | Reverse Budgeting: Turning Your Finances on Their Head 211 |  7 Basic Wealth Strategies Part 2 – Navigating Debt and Cash Flow 213 | The Investor's Golden Playbook Part 2 – Mastering the Mindset for First Gen Wealth 199 | Layoff Preparedness: Building Resilience and Financial Security 214 | Navigating Elder Care Part 1 – Protecting Your Family's Wealth  

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Spending can be hella stressful heading into the holiday season, and if you're struggling with debt or with setting up realistic financial goals for the coming year, this is a must-listen reminder for overcoming financial stress and toxic money patterns.A healthy money mindset is the missing ingredient for a lot of people's financial security. So we're throwing it back to this sustainable financial advice from finance coach Nicole Stanley on dealing with debt, setting realistic money goals, and her own journey to get debt-free. Nicole Stanley is the Founder & Head Financial Coach of Arise Financial Coaching. After battling crippling financial anxiety in her early twenties, Nicole enrolled in her first personal finance course and made changes to go from 30K in debt to building over a quarter-million in net worth for her family at age  27. Arise Financial Coaching has now served over 600 clients and has been featured in TIME, Yahoo Finance, & CNET.Listen to our full episode with Nicole here.Tune in every Monday for an expert dose of life advice in under 10 minutes.Follow Nicole:On Instagram: @arise.financial.coachingArise Financial Coaching Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

Many of us will reinvent ourselves throughout our lives, but Brittny Button has mastered reinvention with intention. As an in-demand Los Angeles interior and product designer, Brittny's latest chapter follows careers as a model, primary parent, supportive spouse to a Formula 1 driver, real estate investor, and entrepreneur. In this episode, Kara and Brittny discuss why honoring the history of a space matters, the importance of protecting architectural diversity, and why pursuing your passion, no matter how accomplished you are, still requires courage. Brittny shares personal stories about navigating multiple careers, building a design practice rooted in integrity, and embracing vulnerability while stepping into her full creative power. This episode is perfect for aspiring designers, women in transition, and anyone drawn to intentional, meaningful living. CHAPTERS: 00:00 Introduction to the Powerful Ladies Podcast 00:34 Meet Brittny Button: A Multifaceted Career Journey 01:48 The Philosophy of Interior Design 03:00 The Importance of Preserving Architectural Diversity 04:44 Intentional Living and Design 07:14 Personal Reflections and Family Life 09:49 Brittny's Upbringing and Early Influences 12:11 Transitioning Careers and Finding Passion 13:33 Life with a Formula One Driver 18:47 Empowering Women and Building Confidence 21:29 Empowering Women to Shine 22:04 Financial Literacy and Generational Wealth 23:01 Pursuing Dreams Despite Setbacks 24:31 The Role of Coaches and Mentors 25:26 Motherhood and Entrepreneurship 28:53 Celebrating Success and Teamwork 30:06 Defining Powerful Ladies 34:25 Dream Clients and Historical Homes 39:49 Manifesting Dreams and Community Support 41:11 Conclusion and Farewell The Powerful Ladies podcast, hosted by business coach and strategist Kara Duffy features candid conversations with entrepreneurs, creatives, athletes, chefs, writers, scientists, and more. Every Wednesday, new episodes explore what it means to lead with purpose, create with intention, and define success on your own terms. Whether you're growing a business, changing careers, or asking bigger questions, these stories remind you: you're not alone, and you're more powerful than you think. Explore more at thepowerfulladies.com and karaduffy.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat happens when an investment made with leverage—whether through OPM, a HELOC, or a whole life policy—suddenly goes bad?Canadian business owners and families often worry about using leverage to build wealth, especially when markets turn or a deal underperforms. It's easy to feel uneasy when the value of an investment dips, your home equity stalls, or you're unsure how a leveraged move might affect your long-term financial security. This episode unpacks the emotional and financial realities behind these decisions, showing how to think clearly about risk, liquidity, and diversification—without letting fear shut down your wealth-building strategy.In this episode, you'll discover:Why the type of asset you leverage matters—and how different reservoirs (cash, home equity, whole life policies) behave when markets fall.How to structure your wealth reservoir so a single failed investment can't collapse your system.The mindset and mechanics behind maintaining liquidity, staying diversified, and making confident investment decisions even in volatile times.Press play to learn how to build a resilient wealth reservoir that keeps your financial system secure—no matter what your next investment does.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada starts with a clear Canadian wealth plan anchored in a strong wealth reservoir and smart investment strategies that balance growth with solid risk management. By integrating tools like a whole life policy, RRSP optimization, and tax-efficient investing, Canadian business owners can create an opportunity fund thReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Financial literacy is not a passive activity. It's a strategic tool for liberation.That's because finances aren't just about budgeting or credit scores - it's a revolutionary act of self and collective liberation.In this episode, Adina breaks down how money knowledge becomes a weapon when paired with intention and action - especially for immigrants navigating oppressive systems.You'll learn why financial education is one of the most concrete, powerful ways immigrants and allies can reclaim power, build wealth, and change what's possible - not just for themselves, but for their families, communities, and generations to come.Whether you're the first in your family to invest or simply trying to understand where to begin, this episode is your call to rise.In This Episode:Why financial systems were never built for immigrants - and how to change thatHow to use financial literacy to collapse survival mode and build wealth from a place of powerWhy learning money is like learning a new language - one that lets you decode and redistribute powerThe ripple effect: how financial empowerment creates collective momentumHow to design your Liberation PlanIf this episode activated something in you, it's time to go deeper.Join Immigrant Finance School, our signature program designed to help immigrants and their families learn to build wealth, start investing, and grow financial power - regardless of immigration status.

Cody Garrett, CFP®, and Sean Mullaney, CPA, discuss year-end tax planning, tax moves in 2026, fear-based marketing, Roth conversions, asset tax location, and more in the 89th episode of the Bogleheads® on Investing podcast. • • • Jon Luskin, CFP®, a long-time Boglehead and financial planner, hosts this episode of the podcast. The Bogleheads® are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.  Since 2000, the Bogleheads® have held national conferences in major cities across the country. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent. This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.   Show Notes: Bogleheads® on Investing #87: Ed Slott, CPA 2026 Premium Tax Credit Update Bogleheads® YouTube Bogleheads® Live with Sean Mullaney: Episode 40 Bogleheads on Investing with Cody Garrett: Episode 61 • • • The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Jon and the Bogleheads® on Investing podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. 

Send us a textOn this episode, we welcome Lucretia Ryan back to the show! Raised by educators in NYC, Lucretia has a heart for teachers and providing her expertise and free resources.  With recent changes, SS is now on the table for ALL teachers, even if you don't pay into it as an educator. Have you paid into it in the past? Should you get your 40 quarters to get SOMETHING? Lucretia Ryan is the founder of FinancialFreedomforWomen.org. She is a financial writer, educator, and philanthropist. After graduating from Cornell University and spending her career at IBM, Lucretia is now helping women to gain financial independence. Her goal is to simplify complex saving and investment decisions to help women make financial decisions that are in their best interest.Because Lucretia does not accept any fees, commissions, advertising, or donations or sell any financial products, she is able to expose the hidden fees and financial traps and help women avoid being taken in by financial predators. She conducts pro-bono, one-on-one retirement optimization workshops for women so they can understand their retirement options and make educated financial decisions. She teaches “Financial Literacy” and “Medicare: What the Insurance Companies Won't Tell You”. https://www.financialfreedomforwomen.org/

Antti Ilmanen, Ph.D., is a Principal and Global Co-head of the Portfolio Solutions Group at AQR Capital. He has published extensively in finance journals and has received numerous awards. Antti is the author of Expected Returns (Wiley, 2011) and Investing Amid Low Expected Returns (Wiley, 2022), which I discussed with him on Episode 49. Antti recently completed a series of 10 papers on "How Do Investors Form Long-Run Return Expectations?" The papers are free on the AQR website, and they are the subject of this podcast.   Rick Ferri, a long-time Boglehead and investment adviser, hosts this episode. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities across the country. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.