Podcasts about Financial stability

Stijn Schmitz welcomes back Steve Hanke back to the show. Steve Hanke is a Professor of Applied Economics at Johns Hopkins University. Hanke highlights the two major wars—the U.S.-Israel conflict with Iran and the Ukraine war—as critical disruptors of global commodity flows. He notes that the Strait of Hormuz is effectively closed, with Iran controlling it, and the Houthis threaten the Red Sea chokepoint, severely constricting crude and refined product supplies. Russia's cutoff of diesel exports and domestic fuel shortages compound the strain. Oil markets are in backwardation, with spot prices above futures, signaling dangerously low inventories that have cushioned prices so far but are nearing depletion. Hanke warns that once physical inventories run out, oil prices could spike dramatically, potentially later this summer. He advises going long on oil, especially major producers, as a straightforward trade for most investors. On gold, Hanke maintains a bullish outlook, projecting a peak around $6,000 per ounce based on historical ratios to real disposable income. He attributes recent pullbacks to dollar strength and rising interest rates but sees central bank buying as a fundamental driver. He also discusses the pressure on the Fed to monetize debt, which could fuel inflation and support gold. The conversation shifts to the broader commodity supercycle, fueled by deglobalization, underinvestment, and the need for larger precautionary inventories. Copper and tungsten are identified as clear bullish plays due to supply deficits. Hanke notes that high diesel prices are squeezing mining and agriculture, potentially raising output prices. He also touches on dollarization, recommending developing countries adopt the U.S. dollar to expand its use rather than de-dollarize. The interview concludes with Hanke emphasizing the importance of money supply growth as the key determinant of nominal GDP and inflation. Timestamps: 00:00:00 – Introduction 00:01:05 – Key Developments on Radar 00:04:58 – Oil Predictions vs Reality 00:10:53 – Inventory and Flow Analysis 00:14:40 – Crack Spreads and Refining 00:16:27 – Demand Destruction Dynamics 00:20:51 – Anticipated Oil Price Spike 00:22:32 – Long Oil Opportunity 00:27:37 – Gold Bull Market Outlook 00:29:38 – Central Bank Buying Drivers 00:45:54 – Concluding Thoughts Guest Links: X: https://x.com/steve_hanke Website: https://thegoldsentimentreport.com Amazon Book: https://www.amazon.com/Making-Money-Work-Rewrite-Financial/dp/1394257260 Amazon Book: https://www.amazon.com/Capital-Interest-Waiting-Controversies-Additions/dp/3031633970 E-Mail: mailto:hanke@jhu.edu Steve H. Hanke is a Professor of Applied Economics and Founder & Co-Director of the Institute for Applied Economics, Global Health, and the Study of Business Enterprise at The Johns Hopkins University in Baltimore. He is a Senior Fellow and Director of the Troubled Currencies Project at the Cato Institute in Washington, D.C., a Senior Advisor at the Renmin University of China's International Monetary Research Institute in Beijing, a Special Counselor to the Center for Financial Stability in New York, a contributing editor at Central Banking in London, and a regular contributor to the Wall Street Journal's Opinion pages. Prof. Hanke is also a member of the Charter Council of the Society of Economic Measurement and of Euromoney Country Risk's Experts Panel. In the past, Prof. Hanke taught economics at the Colorado School of Mines and at the University of California, Berkeley. He served as a Member of the Governor's Council of Economic Advisors in Maryland in 1976-77, as a Senior Economist on President Reagan's Council of Economic Advisors in 1981-82, and as a Senior Advisor to the Joint Economic Committee of the U.S. Congress in 1984-88. Prof. Hanke served as a State Counselor to both the Republic of Lithuania in 1994-96 and the Republic of Montenegro in 1999-2003. He was also an Advisor to the Presidents of Bulgaria in 1997- 2002, Venezuela in 1995-96, and Indonesia in 1998. He played an important role in establishing new currency regimes in Argentina, Estonia, Bulgaria, Bosnia-Herzegovina, Ecuador, Lithuania, and Montenegro. Prof. Hanke has also held senior appointments in the governments of many other countries, including Albania, Kazakhstan, the United Arab Emirates, and Yugoslavia. Prof. Hanke has been awarded honorary doctorate degrees by the Bulgarian Academy of Sciences, the Universität Liechtenstein, the Universidad San Francisco de Quito, the Free University of Tbilisi, Istanbul Kültür University, Varna Free University, and the D.A. Tsenov Academy of Economics in recognition of his scholarship on exchange-rate regimes. Prof. Hanke and his wife, Liliane, reside in Baltimore and Paris.

His mission is to help 100,000 families just like yours achieve financial clarity. As a husband, father, coach, and active community volunteer, he understands the freedom that comes from sound financial planning.Over the past 15 years, he worked his way up from intern to CFP® Financial Advisor, eventually becoming a firm owner before the age of forty. He shares the financial education he was fortunate to receive through podcasts, his book "The Financial Pinwheel," and a variety of online resources.Growing up in Northern New Jersey, he saw firsthand how many people commuted into New York City, working 80-hour weeks in pursuit of financial security—often at the expense of their well-being. He once expected to follow the same path, until a college professor introduced him to a guest speaker who called himself a Financial Planner. This encounter opened his eyes to a career dedicated to helping every day, middle-class families—people just like him.During his internship, he offered to create a financial plan for his mother, a single parent who had returned to work to support their family. Witnessing the relief and confidence his plan gave her; she danced in his office—confirmed his calling. From that moment, he knew he wanted to help others experience the same sense of security and hope. https://www.thefinancialpinwheel.com/abouthttp://www.yourlotandparcel.orgSupport the show

‎Chasing financial stability is not a bad thing, right?‎In today's world where everyone is seen chasing financial stability, it is not hard for love to take the back seat in the car.‎We work longer hours, take on extra jobs, and pursue bigger dreams—all with the hope of getting a better tomorrow. However, what happens when the search of a better life begins to cost us the very relationships we're trying to protect?‎In this week's episode, we discussed the hidden cost of hustle, the challenges it brings to our relationships, and practical ways to pursue financial success without losing the people who matter most.‎‎As always, listen with an open heart.

Co-host Brett DiPasquale AIF®, BFA® Advisor – Elliott Wealth Management Services 

Stephan Luck is a Financial Research Advisor at the Federal Reserve Bank of New York. In Stephan's first appearance on the show, he discusses how the 2008 Great Financial Crisis shaped his career, how he and his coauthors leverage LLMs to comb through massive amounts of historical data, what this data can teach us about responding to bank failures, what people get wrong when they try and make historical analogies to the GENIUS era, the lessons we can learn from the German hyperinflation, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on June 1st, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David on X: @DavidBeckworth Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:02:55 - Stephan's Career 00:11:21 - Bank Failures 00:28:19 - Policy Implications of Bank Failures 00:37:21 - National Banking System 00:46:30 - German Hyperinflation 00:57:06 - Outro

In this episode, Harold Green shares the real shift that took him from just getting by to living life on his own terms, long before traditional retirement age. You'll hear why chasing higher returns isn't enough and how true financial freedom starts with building a solid, pressure-proof plan.  Harold talks candidly about the mindset changes and the smart strategies that let you choose your own future instead of reacting to every market swing.  If you want to know what it really takes to stop working for money and start living for yourself, this episode is your next step. Show Highlights: Are you on the path to financial stability or still finding your way? [00:58] How can you shift your approach to build a resilient life? [05:38] Here is why you need to a build a structure for yourself [08:48] Discover the importance of a solid foundation [11:59] Learn why slowing down is important for a stable financial future [13:16] What are the three financial essentials you need in life? [14:06] This is how you are able to make better decisions [16:23]

What does it take to leave a prestigious law career, join the most hated government program in history, and then launch a fintech startup with no clients, no marketing materials, and no industry relationships? Ian Lampl did exactly that. Host Mark Ritter welcomes Ian, founder and CEO of LoanStreet, to discuss the evolution of loan servicing, commercial lending, and the broader fintech landscape. Ian shares his journey from Wall Street attorney to TARP deputy counsel to entrepreneur, offering candid insight into what it takes to build a company from scratch in the credit union space. The conversation covers how credit union balance sheet management tools have matured and where the biggest gaps remain.What You Will Learn in This Episode: ✅ How loan participation has grown from a niche liquidity tool into a sophisticated balance sheet management strategy that more credit unions are using as a primary resource rather than a last resort.✅ Why credit unions tend to overestimate charge-off risk while underestimate prepayment risk, and how a stronger focus on total return could meaningfully improve lending program performance.✅ What sets modern loan servicing platforms apart from legacy systems, and why the complexity of commercial lending infrastructure makes it one of the hardest and most underserved areas in fintech.✅ How LoanStreet is expanding into private credit, Canadian credit unions, and European markets while deepening its consumer analytics capabilities through a partnership with Experian.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark opens with a look at 2026 lending trends and introduces loan participation expert Ian Lampl01:44 Ian reflects on his time at TARP, government oversight challenges, and lessons from the 2008 financial crisis06:18 From law firm to entrepreneur: Ian discusses the risk of leaving a stable career to build a fintech startup, and shares advice regarding starting your own business12:06 How the loan participation marketplace has grown in sophistication, scale, and frequency across the credit union industry15:15 Ian explains why credit unions underweight prepayment risk and how focusing on total return improves outcomes22:28 Inside LoanStreet's commercial loan servicing platform and why modern solutions in this space remain rare28:31 Ian discusses the upcoming growth expected for LoanStreetKEY TAKEAWAYS:

Source: https://nypost.com/2026/06/13/business/beware-the-ticking-time-bomb-hiding-in-your-401k/

What becomes possible when you build enough financial stability in your practice to support the life you actually want?In this “Best Of” episode, Linzy revisits her conversation with Jelisha Gatling — a therapist, Money Skills for Therapists graduate, and former MSFT coach — about what it can look like to move from financial stability into a deeper sense of freedom. Jelisha shares how she sold her belongings, packed two bags, and began traveling abroad while continuing to run her solo private practice.Linzy and Jelisha talk about the difference between stability and freedom, the pull to wait until you feel fully ready, and what it means to “do it scared.” They also explore how therapists can move away from all-or-nothing thinking and start making choices that create more spaciousness, simplicity, and alignment in their life.If you've ever felt like you need the perfect plan, more confidence, or “enough” money before making a meaningful change, this conversation invites you to think differently about what you — and your practice — can make possible.Timestamps:01:39 - Why This “Best Of” Episode Matters Now03:03 - Jelisha's Digital Nomad Journey05:34 - Financial Stability vs. True Freedom07:39 - Work, Worth, and Peace of Mind09:08 - Freedom, Responsibility, and Therapist Life12:22 - Money, Parenting, and Life Chapters17:51 - Moving Beyond All-or-Nothing Thinking18:56 - Excuses, Fear, and Doing It Scared23:31 - What Jelisha Has Learned About Herself26:06 - Linzy's Final ReflectionConnect with Jelisha Gatling:Jelisha Gatling is a Licensed Marriage Family Therapist & Private Practice Strategist. She's an unapologetic boundary enthusiast, who in her off time, indulges in beach naps & reading.You can learn more about Jelisha and the work she does with therapists at savingthesaver.com and @savingthesaver on Instagram and TikTok.For other episodes with Jelisha, check out:Episode 48 – Helping Shouldn't Hurt: 5 Financial Boundaries to Set with Jelisha GatlingEpisode 10 – Find Flow with Money with Jelisha GatlingAbout Linzy Bonham:Linzy Bonham is a therapist turned money coach who helps private practice owners and health professionals feel calm, confident, and in control of their finances through her podcast, free workshops and comprehensive programs: Money Skills for Therapists and Money Skills for Group Practice Owners.It all started when she saw her extremely skilled colleagues struggle with the money side of business. Some had even left private practice, or were avoiding starting one, because managing finances was just too stressful.So Linzy set out to support helpers and healers with developing peace of mind about their money. Since so many were never taught money skills, she focuses on the “how” of making the business side of private practice doable — and even super satisfying.You can learn more here: https://moneyskillsfortherapists.com/aboutAnd you can follow along on social media:LinkedIn: https://www.linkedin.com/in/linzybonham/Instagram: https://www.instagram.com/moneyskillsfortherapists/Facebook: https://www.facebook.com/moneynutsandboltsWant to feel more calm and confident about your money? Join one of Linzy's free online workshops for private practice owners who want practical support with money mindset, avoidance, and the technical side of managing business finances.Explore upcoming workshops and save your spot or register to get the replay: https://moneyskillsfortherapists.com/workshopsYou can also join the new private Money Skills WhatsApp community to connect with other therapists, health practitioners, and podcast listeners. Email hello@moneynutsandbolts.com for an invite.

Reference: https://www.zerohedge.com/economics/which-states-are-leading-americas-economy

What if more revenue was never the thing standing between you and financial peace? In this episode I sit down with my friend Megan Hale, a former psychotherapist turned financial leader and the creator of Dream Money, a financial operating methodology and software platform built for solo CEOs. Megan and I get honest about the moment she opened a spreadsheet for the very first time, during one of the hardest seasons of her life, and how answering a few simple questions about what she actually needed and wanted changed everything.We dig into why you, the business owner, have to be the one who knows your numbers, and why a bookkeeper or accountant alone is not financial leadership. Megan walks us through her seasonal framework for growth, the three financial seasons every business moves through, and why most of us stay stuck in scale, scale, scale and underpay ourselves for years. She also breaks down the seven financial needs every business has to fund, including the two most people never track, and the one that adds meaning to every dollar that comes in. I'm also really open in this one about my own pivot, learning a new business model as I build Desire AI and the Wealthy Creative.In this episode, you'll learn:[01:34] The hardest year that became the birthplace of Dream Money, and the one offer that funded a full year of stability[04:17] Why having a bookkeeper does not mean you have financial leadership[06:28] The first number every founder needs to know before anything else[08:53] The three financial seasons of a business, and how to tell which one you are in[10:57] The fortifying season most of us never give ourselves, and why it is where you finally get paid[14:49] Why “just enough” is a trap, plus the seven financial needs you have to fund (two of which almost nobody tracks)Here are the resources mentioned in the show:Follow @meganhaleco on InstagramFollow @dreammoneyco on InstagramLearn more about Dream MoneyJoin Desire AIJoin the Wealthy Creative SocietyThe Creative Frequency by Tracy MatthewsAre you enjoying the podcast? We'd be so grateful if you gave us a rating and review! Your 5 star ratings help us reach more businesses like yours and allows us to continue to deliver valuable content every single week. Click here to review the show on Apple podcast or your favorite platformSelect “Ratings and Reviews” and “Write a Review”Share your favorite insights and inspirationsIf you haven't done so yet, make sure that you subscribe to the show wherever you listen to podcasts and on Apple Podcast for special bonus content you won't get elsewhere.xo, Tracy MatthewsFollow on Social:Follow @Flourish_Thrive on InstagramFollow @iamtracymatthews  InstagramFollow Flourish & Thrive Facebook

In this episode, Harold Green lays out why many smart professionals fall into the trap of thinking temporary financial comfort will last forever. He explains how true stability comes from planning ahead, not just reacting when things go wrong.  Harold shares real strategies to help you weather market shifts and life changes without panicking or missing opportunities. If you want your money working for you so you can step away from work sooner and with confidence, this episode is for you.  Get the clarity and peace of mind you need to make early retirement a reality. Show Highlights: Here is why you must stop paying attention to random advice [02:55] Discover how perspective can change everything [03:44] Learn to position yourself for long-term success today [07:07] Find out why a change in mindset matters the most [10:51] Here is how large institutions create panic in the market [13:32] Learn to maintain control and make confident decisions [14:15] Here is how having options can impact your peace of mind [19:01]

FC Isle of Man's new Chief Executive Officer says the financial stability of the club is 'difficult' without a 'magic benefactor'. Russ Kent was appointed to the role last week after previously serving solely as treasurer. The Raven's, which currently benefit from some government support, are entering their sixth season in English football. In this edition of Sportscast, Russ Kent speaks to Manx Radio's Darren Timson.

Learn how stock splits increase the number of shares without changing a company's value, and why businesses use them to attract investors and improve accessibility.

» Produced by Hack You Media: pioneering a new category of content at the intersection of health performance, entrepreneurship & cognitive optimisation.Instagram: https://www.instagram.com/hackyoumedia/Website: https://hackyou.media/James Sexton, a divorce lawyer, on why fear is good, why marriage needs a plan, and why heartbreak matters.As someone who sees relationships fail every day, James explains that scepticism about marriage is actually healthy, real bravery requires fear. Most people don't realise marriage is the most legally significant thing you'll do and enter it with zero plan, yet they plan everything in fitness. Passion and chemistry don't equal partnership compatibility, and complacency kills relationships when partners stop trying after "locking someone in." Relationships need intentionality, maintenance, and honest feedback like any other area of life.The hardest part isn't falling in love, it's believing you're worthy of it. Heartbreak is painful but beautiful because grief proves you had something worth losing, and those experiences create the depth most people never experience.00:00 Introduction06:21 Past Relationships and Compatibility10:19 Relationships as Career vs Side Hustle14:55 Designing a Perfect Life Without Marriage18:40 Complacency and Maintenance in Marriage27:10 Honesty and Difficult Conversations in Relationships30:21 Teaching Relationship Skills and Managing Disconnection35:12 Comparison Between Fitness and Relationships40:42 Age and Experience in Love and Marriage45:48 Intentionality in Relationships and Maintaining Love50:01 Appreciating and Valuing Relationships55:14 Overcoming Fear and Embracing Love1:02:59 The Importance of Having Children1:05:47 Financial Stability and Motivation with Children1:11:22 Fame, Wealth, and Relationship Challenges1:18:10 Performance Art in Relationships and Social Media1:25:33 Belief in Love and Life's Fundamental Questions» Escape the 9-5 & build your dream life - https://www.digitalplaybook.net/» Transform your physique - https://www.thrstapp.com/» My clothing brand, THRST - https://thrstofficial.com» Discover Bioniq Lab peptide products- https://bioniqlab.com/mike1010% off with code MIKE10» Join our newsletter for actionable insights from every episode: https://thrst-letter.beehiiv.com/» Join Whoop and get your first month for free - join.whoop.com/FirstThingsThrst» Follow JamesInstagram: https://www.instagram.com/nycdivorcelawyer/?hl=enWebsite: https://www.nycdivorces.com/

At FIA's International Derivatives Expo in London, Mairéad McGuinness, former European Commissioner for Financial Stability, Financial Services and Capital Markets Union, and David Wright, Chairman of Eurofi, joined Walt Lukken to assess Europe's competitiveness challenge. Both warned that a more hostile global environment is exposing structural weaknesses, and that Europe must move beyond incremental reform to unlock capital, scale markets and accelerate decision-making. They argued that mobilising investment and delivering faster political action will be critical to strengthening growth and resilience.

4 Retirement Risks LongevityInflationInterest RatesLiquidity

Watch the Youtube video here: https://www.youtube.com/watch?v=b_xkJn-XmVE   Join My Vancouver Realtor Team https://www.thealigngroup.ca/join-our... Real Broker just announced an $880 million acquisition of ReMax while EXP Realty sits with $124.5 million in cash and zero debt and if you are a real estate agent evaluating both brokerages that financial contrast alone tells you something important before you ever look at the compensation models. This video does a complete side by side comparison across commissions and caps, revenue share depth, co-sponsorship architecture, icon versus elite agent programs, technology, specialized divisions, global reach, and healthcare access for agents in both Canada and the United States. In Canada EXP agents spend less to qualify for icon and receive more stock back than Real Broker agents do under the elite path and EXP revenue share runs seven tiers versus five with no production floor no dilution and a willable income structure Real Broker cannot match. EXP operates in 29 countries versus Real Broker's two and processed more than twice the transactions in 2025 with 440,163 closed sales representing $194 billion in volume. If you are evaluating your brokerage options in 2026 this is the most complete and honest comparison available before you make one of the most important business decisions of your career.

In this episode, Harold Green shares the hidden reason so many smart, high-earning people still feel stuck—even as they do everything by the book. He explains how scattered finances and lack of structure can keep you working longer than you want, and why financial stability isn't just about growing your accounts but about creating a system that gives you confidence and freedom.  Harold shares practical strategies to shift from reacting to the market to having a clear, predictable path to early retirement. Discover how you can finally break the cycle of uncertainty and start making real progress toward the life you deserve.  If you're ready to stop guessing and start planning for early freedom, this episode is for you. Show Highlights: Do you know why most people are financially stretched? [01:19] Discover why financial freedom feels elusive to most people [03:36] Learn about dual purpose dollars from Harold [04:48] Find out the real meaning of financial stability [06:36] Learn why you need structure and growth at the same time [07:25] Are you chasing portfolio growth without a clear plan? [07:40] Here is how you can structure your money [08:42]

A new CNBC survey found that 51% of Americans believe the American Dream is no longer achievable. Financial stability, homeownership and happiness remain key components of that dream, but many Americans say rising costs and economic pressures are making it harder to reach. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

War in the Middle East, soaring energy prices and upside risks to inflation are clouding the financial stability outlook for the euro area. How resilient are banks and markets? Are investors underestimating geopolitical risks? And how exposed is the financial system to stretched asset valuations? In this episode of Euro Matters, Paul Gordon speaks with John Fell about these questions and more. The views expressed are those of the speakers and not necessarily those of the European Central Bank. Further reading: Financial Stability review at a glance https://www.ecb.europa.eu/press/financial-stability-publications/fsr/html/index.en.html Financial Stability Review, May 2026 https://www.ecb.europa.eu/press/financial-stability-publications/fsr/html/ecb.fsr202605~50566915a7.en.html ECB Instagram https://www.instagram.com/europeancentralbank

Description:Ashish Bajaj and Michael Lorey join the VET S.O.S. Network to dive into two of the most pressing challenges veterans face during transition: VA disability claims and financial stability.In this episode, we explore:• The step-by-step VA claims process and how case management works• The 3 required elements every successful claim must include• How to avoid predatory claims companies• Why financial stress peaks during transition (and how to manage it)• Practical budgeting tools veterans can use immediately• State-level benefits that can supplement incomeMichael shares his personal transition story and discusses the reality that it can take 4–7 years for many veterans to fully stabilize financially after leaving the military. Ashish explains how money stress connects to mental health — and how veterans can regain control through practical, manageable steps.Whether you're navigating military transition, filing your first VA claim, or trying to build financial security after service, this episode gives you clear, actionable guidance you can use today.About the Guests:Ashish Bajaj is a Financial Educator with Wounded Warrior Project, specializing in financial coaching and empowerment for veterans.Michael Lorey is the Southeast Benefits Regional Director at Wounded Warrior Project and a retired U.S. Navy officer with over 21 years of service.Grab the Lifeline:The VET S.O.S. Network connects veterans, spouses, and service members with real resources and real people who want to see you thrive.Don't drown in the sea of transition — grab the lifeline.Follow the Show & Explore More Episodes:VET S.O.S.VET S.O.S. Presents Operation Startup (Veteran Entrepreneur Spotlight)VET S.O.S. Presents Learning Lifeline (Veteran Educational Resources Spotlight)VET S.O.S. Presents The ScoopConnect with VET S.O.S.:Website: vetsospodcast.comX/Twitter: @vetsospodcastLinkedIn: linkedin.com/company/vetsospodcastYouTube: youtube.com/@vetsospodcastFacebook: facebook.com/vetsospodcastInstagram: instagram.com/vetsospodcastTikTok: tiktok.com/@vetsospodcast#VETSOS#VeteranBenefits#WoundedWarriorProject#VAClaims#MilitaryTransition#VeteranFinancialSupport#DisabilityBenefits#TransitionTools#VeteranResources#GrabTheLifeline

Show Summary On today's episode, we're having a conversation with Bill Birnie, a retired Marine Corps Sergeant Major, CEO of Frontwave Credit Union, and member of the PsychArmor Board of Directors. We have a great conversation about serving those who served, promoting financial stability, and brining his expertise in the financial sector to the board of PsychArmor. Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestBill Birnie's lifelong dedication to serving the military community, coupled with his extensive leadership and financial expertise, makes him an outstanding candidate for our PsychArmor Board. A 25-year veteran of the U.S. Marine Corps, Bill retired in 1997 as a Sergeant Major, having served in combat operations during Operation Desert Storm and Operation United Shield. His military career also included assignments as a Marine guard and detachment commander at U.S. Embassies worldwide, where he cultivated a deep understanding of service, leadership, and teamwork.Transitioning from military service, Bill brought his strategic mindset to the credit union industry, where he has built a remarkable 26-year career. Currently, as President and CEO of Frontwave Credit Union, he leads a $1.4 billion institution dedicated to empowering military families and veterans. Bill's leadership, understanding of financial systems, combined with his ability to create sustainable growth, aligns with our strategic needs, and will support our long-term vision.   Bill has served on Boards that address the unique needs of military families and veterans, including as Chairman of the Defense Credit Union Council and Vice Chair of the Armed Forces Financial Network. His experience as a Western Credit Union Management School graduate and 15 years as a faculty member further underscores his ability to mentor and guide organizations toward financial and operational excellence. In his spare time, Bill enjoys golf, traveling and attending theater or concerts with family and friends.  With his unparalleled military and leadership experience, Bill Birnie brings the expertise and insight to strengthen PsychArmor's mission, ensuring it continues to create meaningful impact for the military and veteran community. Links Mentioned in this Episode Frontwave Credit Union WebsiteFrontwave Credit Union Military ResourcesPsychArmor Resource of the WeekThis week's resource of the week is the Preparing Your Finances for Transition.In this course, service members, Veterans and their families will learn about some major financial considerations associated with transition, as well as five useful tips for preparing their finances. You can find the resource here:  https://learn.psycharmor.org/courses/Preparing-Your-Finances-for-Transition Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on TwitterPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

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Seeing a profit on paper can create a dangerous sense of comfort. Profit and stability are not always the same thing. You can be profitable and still be behind on obligations. Still be carrying pressure. Still be one bad month away from serious problems. A lot of businesses look healthier than they really are because people only focus on revenue and profit while ignoring liquidity, reserves, debt exposure, inconsistent receivables, and operational strain.This episode breaks down why profitability alone is not enough and what financial stability actually looks like underneath the surface.

If you want to get the skinny on anything related to financial markets or the financial system, then you need to talk with Samim Ghamami, Chief Economist of the New York state Insurance Fund.  That's what Mark and Cris do on this podcast. The conversation begins with the outlook for interest rates, turns to a perspective on a popular AI narrative that artificial intelligence will push rates up further by spurring investment and reducing household savings, and closes with a timely look at private credit and the risks it may pose to the broader financial system. Check out the report mentioned in this episode titled, "Private Credit & Systemic Risk" by Samim Ghamani, Damien Moore, Antonio Weiss, Martin Wurm, and Mark Zandi: Click Here. Questions or Comments, please email us at InsideEconomics@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The economy and markets can feel dizzying and ever changing. That's where we can help. Fisher Investments' “This Week in Review” is a weekly segment designed to highlight a few things you may have missed this week, what they could mean for financial markets and why they matter to investors like you. This week, Fisher Investments reviews: US April inflation data President Trump meets with Xi Jinping Fed Chair confirmation hearing Below are the sources for all data cited in today's show: Source: U.S. Bureau of Labor Statistics, as of 5/12/2026. US Headline CPI Inflation, January 2023 – April 2026. Source: U.S. Bureau of Labor Statistics, as of 5/12/2026. US Core CPI Inflation, April 2026. Source: Center for Financial Stability, FactSet, as of 5/12/2026. Divisia M4 (index), January 2016 – April 2026, Eurozone M3, January 2016 – April 2026. Source: Trading Economics, as of 5/12/2026, Brent Crude Oil spot price per barrel, 3/1/2026 – 5/11/2026. Source: US Bureau of Labor Statistics, FactSet, as of 5/14/2026. Consumer Price Index, 01/31/2026 – 4/30/2026, US Consumer Price Index, 12/31/1925 – 4/30/2026. Source: CNBC, as of 5/13/2026. Kevin Warsh wins Senate confirmation as the next Federal Reserve chair, 5/13/2026. Want to dig deeper? Ken Fisher reveals what really causes inflation: www.youtube.com/watch?v=qyNehslULa0&t=1s Why Fed chairs don't impact the markets as much as you might think: https://www.fisherinvestments.com/en-us/insights/market-commentary/setting-the-record-straight-new-fed-chairs-arent-autonegative Have feedback for this Fisher Investments video? Share your thoughts on this episode in just 1 minute by filling out this survey: 
https://fi.co1.qualtrics.com/jfe/form/SV_6Vw1ezlogR044S2?VideoCode=WeekInReview15May2026 Connect with Fisher Investments on: Facebook - www.facebook.com/FisherInvestments X - twitter.com/fisherinvest LinkedIn - www.linkedin.com/company/fisher-investments Instagram - www.instagram.com/fisher.investments/ TikTok - www.tiktok.com/@fisher_investments You can also follow Ken Fisher here: Facebook - www.facebook.com/KenFisher.FisherInvestments X - twitter.com/KennethLFisher LinkedIn - www.linkedin.com/in/ken-fisher/ Instagram - www.instagram.com/kenfisher_fisherinvestments/ Investing in securities involves a risk of loss. Past performance is never a guarantee of future returns. Investing in foreign stock markets involves additional risks, such as the risk of currency fluctuations. The foregoing constitutes the general views of Fisher Investments and should not be regarded as personalized investment advice. Nothing herein is intended to be a recommendation. The opinions expressed are subject to change without notice.

There's a point in private practice where the question shifts from “How do I fill my caseload?” to “How do I keep this sustainable?” In this conversation, I'm joined by Kayla Das—a social worker, business coach, and host of the Designer Practice podcast—to explore how clinical supervision and consultation can become a supportive, meaningful addition to your work. Ready to feel more calm and confident about your money? Do you feel confused, ashamed, or uncertain about your finances? Are you craving support to help shift your money mindset and transform your relationship with money? Are you ready to gain practical tools and the confidence you need to finally take control of your business finances? If so, I'd love for you to join me for one of my free online workshops, designed specifically for private practice owners who feel stuck—whether it's mindset blocks, avoidance, or the technical side of managing money. In just one hour together, you'll gain clarity, practical strategies, and next steps to move forward with intention. Click here to explore upcoming workshops and save your spot or register to get the replay. Using Supervision to Support Both Income and Energy Adding a supervision tier to your offers can create a different kind of steadiness in your practice—bringing in additional income while shifting the emotional intensity of your week. For many therapists, this work draws on existing skills in a way that feels more spacious and sustainable over time. Structuring supervision in group or dyadic formats can also increase income potential while creating a collaborative learning environment. Pricing tends to feel more grounded when it's tied to your actual needs, while still honoring accessibility where it matters to you. When your services are clearly communicated and easy to find, it becomes much easier to connect with therapists who are actively looking for this kind of support. Noticing Where Expansion Already Wants to Happen There's often a natural pull in practice toward work that feels both meaningful and sustainable—these moments tend to point toward what's ready to grow. (00:04:46) Adding income through clinical supervision (00:07:29) Balancing therapy and supervision roles (00:12:13) Determining pricing for counseling services (00:16:05) Impact of specialized consultants (00:18:13) Promoting posts in therapist groups (00:20:39) Launching a Canadian therapist directory (00:25:07) Adding clinical consultation to therapy A More Sustainable Way to Use Your Therapy Practice Management Skills Consulting for other therapists creates space to use your expertise in a way that can feel more balanced alongside clinical work. Adding a role like this diversifies your income and the way your energy is applied, because of this new B2b (business to business) opportunity. When structured intentionally, this work can support both your financial goals and your long-term sustainability. It's often less about adding something new, and more about allowing your practice to evolve in a way that supports you too. About Linzy Bonham: Linzy Bonham is a private practice therapist turned money coach who helps private practice owners and health professionals feel calm and in control of their finances through her coaching at Money Skills for Therapists and her podcast Money Skills for Therapists. It all started when she saw her extremely skilled colleagues struggle with the money side of business. Some had even left private practice, or were avoiding starting one, because the financial side was too stressful. So Linzy decided to help therapists and health professionals develop peace of mind about their money. Since so many were never taught these skills, she focuses on the “how” of making the business side of private practice doable, and even super satisfying. Follow Linzy Bonham: About Page: https://moneyskillsfortherapists.com/about LinkedIn: https://www.linkedin.com/in/linzybonham/ Instagram: https://www.instagram.com/moneyskillsfortherapists/ About Kayla Das: Kayla Das is a social worker based in Edmonton, Alberta, and a business coach who supports therapists and clinical supervisors in building sustainable, diversified practices. Drawing from her own experience navigating the challenges of finding quality supervision, she now focuses on helping clinicians connect, grow their skills, and explore additional income streams beyond traditional therapy. Kayla is especially passionate about clinical supervision as a way to give back to the profession while creating more financial stability and flexibility. Connect with Kayla: Website: https://kayladas.com/ Email: info@kayladas.com Facebook: https://www.facebook.com/Evaspare Instagram: https://www.instagram.com/kayla.das/ LinkedIn: https://www.linkedin.com/in/kayla-das-bsw-msw-rsw-202b87202/ Designer Practice Podcast: https://kayladas.com/designer-practice-podcast/ Canadian Clinical Supervision Directory: https://canadianclinicalsupervision.ca/ American Clinical Supervisor Therapist Directory: https://americanclinicalsupervisor.com/

In this episode of the Disciplined Traders Academy Podcast, we walk through how to stop treating the stock market like a hobby and start using it as a financial stability engine. This is especially for listeners aged 30–60 with strong W2 income or self‑employed business income who are ready to turn trading skills into long‑term security instead of short‑term thrills.Why your job or business income alone is not enough in a world of rising prices and long‑run inflation.The difference between using the market as a casino versus using it as a tool for financial stability and freedom.How to think in terms of real returns vs. inflation, and why cash sitting idle can lose purchasing power over time.What You'll Learn In This Episode:Why your job or business income alone is not enough in a world of rising prices and long‑run inflation.The difference between using the market as a casino versus using it as a tool for financial stability and freedom.How to think in terms of real returns vs. inflation, and why cash sitting idle can lose purchasing power over time.After you listen, take a few minutes to:Write down your specific “why” for using the markets as a stability engine.Decide on your trading account vs. long‑term account setup.Set a profit‑flow rule that automatically moves part of your trading gains into long‑term assets each week.If you're ready to design your own trading‑to‑stability system, like and subscribe to this podcast! There is also the DTA newsletter on Patreon - https://patreon.com/thedisciplinedtraderacademy?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_creator&utm_content=copyLink

Elena Patel, Co-Director of the Urban-Brookings Tax Policy Center and Senior Fellow at the Brookings Institute, joins Bob to discuss the extraordinary economic impact the Postal Service has on rural and postal-reliant communities, as well as the importance of the agency's universal service obligation to the entire country. Elena and Bob also talk about the difficulty the Postal Service has in effectively meeting this obligation in light of its current financial pressures, and potential fixes. Dr. Patel has recently authored two scholarly papers on the Postal Service.  

In this episode, financial advisor Mike McNamara reduces long-term stability to two non-negotiable rules. First, live within your means. Spend less than you earn, and treat retirement and education savings as fixed monthly obligations, not optional leftovers. McNamara argues that consistency and discipline matter more than investment skill, especially in a landscape where many rely too heavily on Social Security. Second, build a real emergency reserve. Keep three to six months of expenses in a separate, liquid account. This buffer protects you from turning to high-interest debt or pulling from long-term savings when something goes wrong. The takeaway is direct: financial security is not complicated. It comes from clear priorities, steady habits, and personal responsibility over time. Michael J. McNamara, Ph.D., CFP®, is the founder of McNamara Financial. A seasoned financial planner with over 40 years of experience, Mike is now semi-retired and works exclusively with long-time clients and a select few new ones.

Stijn Schmitz welcomes Steve Hanke, Professor of Applied Economics at Johns Hopkins University, to discuss global economic trends, monetary policy, and the emerging commodity super cycle. The professor’s outlook suggests a complex economic landscape with potential for significant disruption, driven by monetary policy, geopolitical tensions, and structural changes in global trade and commodity markets. Hanke emphasizes the critical importance of money supply as a key indicator of economic activity and inflation, noting that the United States is currently experiencing an accelerating money supply that will make controlling inflation challenging. The discussion highlights several significant global economic dynamics, particularly focusing on commodity markets and geopolitical tensions. Hanke argues that the world is entering a commodity super cycle characterized by underinvestment, supply chain disruptions, and precautionary inventory building. The ongoing conflict in the Gulf region and disruptions to global trade have further complicated commodity markets, with potential oil prices ranging from $100 to $350 per barrel depending on supply constraints. Geopolitically, Hanke suggests that Russia and China are emerging as significant winners in this environment, while the United States has potentially weakened its global position through its actions. He dismisses concerns about de-dollarization, arguing that the US dollar remains the dominant global currency with limited realistic alternatives. On inflation, Hanke predicts continued upward pressure due to monetary policy loosening, commercial bank lending growth, and federal reserve actions. He emphasizes that inflation is fundamentally a monetary phenomenon, driven by increases in money supply rather than isolated economic events. Regarding commodities, Hanke identifies several sectors poised for growth, including critical materials like lithium and vanadium. He recommends investors be “long everything” in the commodity space, noting significant price increases in various exotic commodities. Timestamps: 00:00:00 – Introduction 00:00:52 – Key Economic Metrics 00:02:00 – US Money Supply Acceleration 00:03:58 – China’s Inflation Challenges 00:04:56 – Commodity Supply Disruptions 00:05:30 – US Tariffs and Sanctions 00:07:13 – Iran War and Strait Closure 00:11:55 – Iranian Economy 00:12:45 – Oil Price Scenarios 00:13:10 – Commodity Super Cycle Thesis 00:17:00 – Oil Supply Impacts 00:20:44 – Market Complacency on Risks 00:24:06 – Winners and Losers Analysis 00:25:12 – China’s Economy 00:27:55 – De-Dollarization Myths 00:30:36 – Gold’s Geopolitical Role 00:33:15 – Supply Shocks & Infrastructure 00:37:20 – Inflation and Money Supply 00:41:40 – Treasury Demand & Inflation 00:46:40 – Bank Lending & Money Supply 00:48:28 – Commodity Picks & Wrap Up Guest Links: X: https://x.com/steve_hanke Website: https://thegoldsentimentreport.com Amazon Book: https://www.amazon.com/Making-Money-Work-Rewrite-Financial/dp/1394257260 Amazon Book: https://www.amazon.com/Capital-Interest-Waiting-Controversies-Additions/dp/3031633970 E-Mail: mailto:hanke@jhu.edu Steve H. Hanke is a Professor of Applied Economics and Founder & Co-Director of the Institute for Applied Economics, Global Health, and the Study of Business Enterprise at The Johns Hopkins University in Baltimore. He is a Senior Fellow and Director of the Troubled Currencies Project at the Cato Institute in Washington, D.C., a Senior Advisor at the Renmin University of China's International Monetary Research Institute in Beijing, a Special Counselor to the Center for Financial Stability in New York, a contributing editor at Central Banking in London, and a regular contributor to the Wall Street Journal's Opinion pages. Prof. Hanke is also a member of the Charter Council of the Society of Economic Measurement and of Euromoney Country Risk's Experts Panel. In the past, Prof. Hanke taught economics at the Colorado School of Mines and at the University of California, Berkeley. He served as a Member of the Governor's Council of Economic Advisors in Maryland in 1976-77, as a Senior Economist on President Reagan's Council of Economic Advisors in 1981-82, and as a Senior Advisor to the Joint Economic Committee of the U.S. Congress in 1984-88. Prof. Hanke served as a State Counselor to both the Republic of Lithuania in 1994-96 and the Republic of Montenegro in 1999-2003. He was also an Advisor to the Presidents of Bulgaria in 1997- 2002, Venezuela in 1995-96, and Indonesia in 1998. He played an important role in establishing new currency regimes in Argentina, Estonia, Bulgaria, Bosnia-Herzegovina, Ecuador, Lithuania, and Montenegro. Prof. Hanke has also held senior appointments in the governments of many other countries, including Albania, Kazakhstan, the United Arab Emirates, and Yugoslavia. Prof. Hanke has been awarded honorary doctorate degrees by the Bulgarian Academy of Sciences, the Universität Liechtenstein, the Universidad San Francisco de Quito, the Free University of Tbilisi, Istanbul Kültür University, Varna Free University, and the D.A. Tsenov Academy of Economics in recognition of his scholarship on exchange-rate regimes. Prof. Hanke and his wife, Liliane, reside in Baltimore and Paris.

New here? Grab a free resource to get started ➡️ https://www.permissiontopaint.co/resources ⬅️ Ready for more? Find out how we can work together ➡️ https://www.permissiontopaint.co/coaching ⬅️ In this episode, I'm joined by Australian abstract artist and gallery director Madeline Young for a heartfelt conversation about creativity, resilience, and building a sustainable life in the arts. We talk about the evolution of her art practice, the story behind The Corner Store Gallery, the challenges of gallery life, and why multiple income streams can help artists create more financial stability while keeping their creative practice joyful. Full show notes and links available at https://www.permissiontopaint.co/podcast114 Resources & Mentions: Madi Young https://www.instagram.com/madi_young/ The Corner Store Gallery https://www.instagram.com/cornerstoregallery/ Join the free Facebook community https://www.facebook.com/groups/permissiontopaintfreecommunity Free Artist Resources - Access the library of free resources to help you grow as an artist. https://www.permissiontopaint.co/resources  Connect on Instagram https://www.instagram.com/rosgervayart Follow the YouTube channel https://www.youtube.com/@rosgervayart?sub_confirmation=1 Connect on Facebook https://www.facebook.com/rosgervayart Get weekly art biz tips straight to your inbox: https://www.permissiontopaint.co/stay-connected Leave a review! It helps other artists find the show. https://rosgervayart.com/blogs/art-for-the-heart-blog/how-to-leave-a-podcast-review-on-apple-podcasts

Welcome to Day 2 of the 2026 TIA Capital Ideas Conference, and today, we're joined by Mike Mikulik from SPI Logistics to talk about the absolute necessity of financial solvency and the power of long-term carrier relationships in this shifting market! We discuss why managing your cash flow and vetting your partners is more critical than ever, especially as we navigate the shift from a loose capacity market to one where service disruptions and cargo theft are real threats. We also dive into the agent model as a safeguard for business growth, the importance of niching down to where you're strongest, and why sincere, inquisitive networking beats a cold script every single time.  If you're ready to stop forcing market share and start building a book of business rooted in trust and operational excellence, this live episode on the freight cycle and professional development is exactly what you need to listen to!   About Mike Mikulik Mike Mikulik is the Senior Vice President and Chief Revenue Officer at SPI Logistics. He is a very personable and enthusiastic person who is a collaborator and thinks out of the box. Mike has a unique background in all sides of the transportation industry from trucking to international freight forwarding and special projects. With over 25 years' experience he credits his School of Hard Knocks for his success. You will find Mike easily engaging in conversation and his willingness to help and draw out the best in people. His positiveness is contagious and willingness to support his team grow personally and professionally. Mike is a collaborator and think out of the box guy. He has had tremendous success in strategically enhancing the customer experience which in turn has led to new opportunities and revenue growth. Mike lives and resides in Vancouver Canada where he has lived all his life.  

We sit down with award-winning bookkeeper Trudie Howman to break down her journey from accidental freelancer to Bookkeeper of the Year. If you're a bookkeeper trying to grow your business, this episode is packed with real-world insight. Trudie shares how she went from manually entering data and just covering the bills… to building a profitable, systemised bookkeeper business with a team, strong client base, and long-term financial security. We dive into: • How this bookkeeper built a 25+ client business • The power of automation (Xero, Hubdoc, and more) • Why every bookkeeper needs to reprice their services • How niching into construction helped her grow organically • The reality of referrals and visibility as a modern bookkeeper • How one bookkeeper can massively impact a client's finances This is one you don't want to miss. Connect with Trudie! ➡️ https://www.linkedin.com/in/trudie-howman/ ----------------------------------------------- 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. Chapters: 00:00:00 - From Zero to Bookkeeper of the Year 00:00:27 - Trudy's Business Journey 00:00:58 - Trudy's Background and Start in Finance 00:01:56 - Transition to Self-Employment 00:02:52 - Building a Bookkeeping Practice 00:03:18 - Initial Business Goals 00:04:20 - Changes in Business Goals 00:04:40 - Impact of the Collective 00:04:55 - Growth in Confidence 00:08:03 - Financial Stability and Freedom 00:08:33 - Turning Point in Business 00:08:49 - Importance of Automation 00:09:31 - Business Visibility and Marketing 00:09:54 - Building a Niche 00:10:29 - Becoming Visible 00:11:13 - Return on Investment 00:12:27 - Providing Value to Clients 00:14:12 - Software and Workflow 00:14:31 - Client's Resistance to Software 00:15:21 - Generating Leads and Referrals 00:15:55 - Leveraging LinkedIn for Business Growth 00:16:21 - The Importance of Clear Business Niche 00:20:30 - Building Local Business Presence 00:22:57 - Achieving Personal and Family Goals 00:25:43 - Balancing Work and Family Life 00:26:31 - Impact on Clients and Recognition 00:28:29 - The Value of Bookkeeping Services 00:30:23 - Advising Clients on Financial Management 00:30:59 - The Power of Networking and Referrals 00:31:41 - Building Trust Through Honesty 00:31:59 - Building a Supportive Community 00:32:19 - Closing Remarks and Contact Information #bookkeeper

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Let us know what you think!Ryan Garay joins the show to discuss military transition, leadership, networking, LinkedIn, and finding success after service.In this episode, we cover:Lessons from becoming a Green Beret Military transition and civilian career growth Why LinkedIn is essential for veterans Overcoming imposter syndrome Careers in defense tech and business development Financial stability and strategic job choices Faith, resilience, and community support Helping veterans find purpose after service Key Takeaways:Networking matters more than most people realize LinkedIn is one of the best tools for career growth Small and mid-sized companies can offer strong opportunities Imposter syndrome is common but can be overcome Faith and community can help veterans navigate uncertainty Chapters:00:00 Authenticity in Podcasting and Storytelling 03:08 Ryan Garay's Journey to Becoming a Green Beret 05:59 Leadership Lessons from Military Brotherhood 09:06 Transitioning from Military Service to Civilian Life 12:08 Leveraging Military Experience in the Job Market 15:11 Why LinkedIn Matters for Veteran Career Growth 17:55 Overcoming Imposter Syndrome After Service 21:11 Faith, Resilience, and Finding Strength in Adversity 31:54 Finding Faith and Purpose After the Military 32:44 Helping Veterans Transition into Civilian Careers 35:22 Understanding Business Development in Defense Tech 39:32 Strategic Career Moves for Veterans 42:42 Why Small and Mid-Sized Companies Offer Opportunity 46:27 Financial Stability and Transition Planning 49:54 Why It's Never Too Late to Pivot Careers 51:12 The Role of Faith in Veteran Transition 55:05 Building Community and Supporting Veterans 01:00:44 How to Connect with Ryan Garay Follow Ryan TODAY!https://www.instagram.com/operator2executive/?hl=en  Sponsored by: TranscendUse my referral link to book a consultation for Peptide Therapyhttp://transcendcompany.com/DenyCaballeroDr. Mark Gordon & Millennium Health Centers Get the book Peptides for Health Vol.1 Medical Edition today.  Use code Phase2P for 10% off Millennium products  Available only at MillenniumHealthStore.comPRECISION WELLNESS GROUP  Use code: Security Halt Podcast 25Website: https://www.precisionwellnessgroup.com/  Security Halt Mediahttps://www.securityhaltmedia.com/ Instagram: @securityhaltX: @SecurityHaltTik Tok: @security.halt.podLinkedIn: Deny Caballero Looking for custom handmade items, military memorabilia, or laser engraving? Contact Eric Gilgenast.Instagram:https://www.instagram.com/haus_gilgenast_woodworks_main/Website: https://www.hausgilgenastwoodworks.com/Support the showProduced by Security Halt Media

A Path to Short & Long Term Financial Stability

We're breaking down 3 action steps to become and feel financially stable — without overcomplicating it or trying to do everything perfectly.We're focusing on the foundation: Know your true spending number Build the right kind of savings  Stay consistent with simple money check-ins 

The world's most strategic waterway is in the spotlight. From the Strait of Hormuz to global oil markets, Donald Trump challenges allies to step up while China and Iran maneuver behind the scenes. Former special forces expert Mike Schirrell breaks down what limited ground operations could mean—and why losing control of this corridor could reshape the petrodollar, global power, and U.S. solvency. Two to three weeks could decide the future of energy and the world's superpower status.

Part 2: The Case For The Humanities In A Changing Job Market We look at what life actually looks like after a humanities degree, where the path forward is often unclear and non-linear. For many graduates, the value shows up later, as they move between roles and lean on skills that translate across industries. Guests:  Anna VanWingerden, graduate, Columbia College Chicago, master's student, education, Loyola University Chicago Carlo Rotella, professor, English, Boston College, author, What Can I Get Out of This? Teaching and Learning in a Classroom Full of Skeptics Host: Gary Price  Producer: Amirah Zaveri.  Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Part 2: The Case For The Humanities In A Changing Job Market We look at what life actually looks like after a humanities degree, where the path forward is often unclear and non-linear. For many graduates, the value shows up later, as they move between roles and lean on skills that translate across industries. The Push To Free America's Rivers We look at why thousands of dams are coming down across the U.S. and what changes happen once a river is no longer held back. In places like the Klamath River, the shift is already visible, offering a clearer picture of what restoration can look like and lead to. Viewpoints Explained: The Steps That Will Lessen Your Intake Of Microplastics Microplastics are nearly impossible to avoid, but small shifts like skipping heated plastics and ultra-processed foods can help limit how much enters our bodies. Culture Crash: A Version Of Harry Styles We Love To Hear Harry Styles leans into upbeat, dance-driven pop on his latest album, “Kiss All the Time. Disco, Occasionally.” We review the recent drop this week on Culture Crash. Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"When you look at the world now, does it look more uncertain or less uncertain?" In December 2025, the Bank of England's Financial Policy Committee (FPC) answered that question by cutting the equity capital requirement for UK banks. David Aikman (NIESR) and John Vickers (University of Oxford), two former senior Bank insiders who helped to design the regulatory framework post-GFC, think the committee got it wrong.The FPC lowered the benchmark capital requirement from 14% to 13% of risk-weighted assets, a move that could free up roughly £30 billion of capital across the UK banking system. Aikman and Vickers see no compelling economic reason for the change. They argue that the 2015 benchmark was already set too low, built on questionable assumptions about how well resolution frameworks would work. Since 2015, Brexit, the pandemic, and a sharply stretched fiscal position have all increased the likely cost of a future crisis. The practical effect of the loosening may not even be more lending, but higher dividends and share buybacks. And the December decision may signal a weakening of the leverage ratio backstop, the constraint that limits bank borrowing regardless of how risk weights are applied.The research behind this episode:Aikman, David, and John Vickers. 2026. "The Bank of England's Capital Mistake." VoxEU, 15 January 2026. To cite this episode:Phillips, Tim, David Aikman, and John Vickers. 2026. "The Bank of England's Capital Mistake." VoxTalks Economics (podcast). Assign this as extra listening. The citation above is formatted and ready for a reading list or VLE.About the guestsDavid Aikman is Director of the National Institute of Economic and Social Research (NIESR). He worked at the Bank of England from 2003 to 2020, where he served as Technical Head of Division in Financial Stability and was centrally involved in the creation of the Financial Policy Committee. His research spanning macroprudential regulation, systemic risk, and the macroeconomics of financial crises has made him one of the leading academic voices on bank capital policy in the UK.Sir John Vickers is Warden of All Souls College and Professor of Economics at the University of Oxford. He served as Chief Economist and a member of the Monetary Policy Committee at the Bank of England, and chaired the Independent Commission on Banking from 2010 to 2011, which recommended substantially higher capital requirements than those subsequently adopted. His research spanning industrial economics, competition policy, and financial regulation has shaped UK banking policy for two decades.Research cited in this episodeEquity capital requirements specify the minimum proportion of a bank's assets that must be funded by shareholders' equity rather than borrowed money. Equity is the only form of funding that can absorb losses without triggering insolvency: if a bank suffers unexpected losses, its shareholders bear them first. In the run-up to the 2008 financial crisis, some large institutions held equity equivalent to as little as two or three percent of their total exposures, implying leverage of up to forty times; a small shock was enough to render them insolvent. The post-crisis repair effort was designed to ensure that could not happen again.Risk-weighted assets (RWAs) are the denominator against which capital requirements are measured. Rather than applying the capital ratio to the raw value of all assets, the framework deflates each asset by an estimated risk factor: a mortgage backed by collateral is treated as less risky than an unsecured corporate loan, for example. Capital requirements are then expressed as a percentage of this risk-adjusted total. The approach creates significant complexity and depends heavily on the accuracy of the risk weights; much of the story of 2008 was that regulators allowed banks to attach implausibly low risk weights to their exposures, understating the true leverage in the system.The Financial Policy Committee (FPC) is the Bank of England body responsible for macroprudential oversight of the UK financial system. Created in 2013, it sits above the individual regulators to take a system-wide view of whether risks are building and whether the financial system as a whole has adequate resilience. One of its primary tools is setting the overall capital requirement benchmark for UK banks. In 2015 it set that benchmark at 14% of risk-weighted assets; in December 2025 it reduced it to 13%.The leverage ratio is an alternative measure of bank capitalisation that does not apply risk weights. It expresses equity as a simple percentage of total assets, regardless of what those assets are. The UK leverage ratio backstop currently stands at around 3 to 4%, implying maximum leverage of roughly twenty-five to thirty times for systemically important banks. Vickers and Aikman note that for some UK banks the backstop has become the binding constraint, which they regard as a warning sign: it suggests that risk-weighted measures are understating actual leverage, not that the backstop should be relaxed.Resolution frameworks are the legal and operational mechanisms that allow regulators to manage the failure of a bank without a taxpayer bailout, by imposing losses on shareholders and creditors in an orderly way. A central assumption in the FPC's 2015 capital benchmark was that resolution would work effectively in a future crisis, which justified a lower capital requirement. Vickers and Aikman are sceptical: the experience of Credit Suisse in 2023, which required a state-assisted rescue despite the existence of resolution plans, illustrates that orderly resolution of a major institution cannot be taken for granted.Basel 3.1 is the latest package of international banking regulatory standards agreed by the Basel Committee on Banking Supervision, designed to address weaknesses in how risk weights are calculated. Its implementation in the UK is scheduled for 2027, nineteen years after the 2008 crisis. The FPC's December 2025 decision is partly contingent on Basel 3.1 being implemented as planned; Aikman notes that there have been repeated international delays and rollbacks, and that the UK's ability to move ahead unilaterally is constrained by what other major jurisdictions do.The 2023 banking stress saw three US regional banks (Silicon Valley Bank, Signature Bank, and First Republic) fail in quick succession in March 2023, followed by the forced rescue of Credit Suisse by UBS. These events occurred in what was, by historical standards, a relatively stable macroeconomic environment. Vickers cites them as evidence that banking sector vulnerabilities have not been eliminated by post-2008 reforms, and as a caution against complacency about the effectiveness of current safeguards.More VoxTalks EconomicsMaking banking safe Our financial system is supposed to be more resilient than before the global financial crisis, but that didn't save Silicon Valley Bank, Signature Bank or First Republic. So what went wrong, and can we fix it? Steve Cecchetti and Kim Schoenholtz suggest how regulators can make banking safer.

For many Christian singles, marriage is a beautiful desire placed on the heart by God. But while we often focus on emotional connection and spiritual compatibility, one area that is sometimes overlooked is financial stability before marriage. The truth is, money matters—especially in marriage. Finances are one of the leading causes of conflict in relationships, and entering marriage without a solid financial foundation can create unnecessary stress. As Christians, we are called not only to love well but also to […] The post Building Financial Stability Before Marriage appeared first on Christian Singles Advice | Christian Dating Advice Tips. Related posts: Debt Advice for Christian Singles Worried About Finances Financial Advice for Christian Young Adults Financial Stewardship as a Christian Single: Practical Advice How to Prepare for Marriage: Christian Dating Tips Top 5 Ways Gen Z Christian Singles Can Gain Financial Independence

Today is for you if you've looked at your grocery receipt lately and wondered how it climbed so high. And for you if you feel financially responsible, yet still unsettled in a world where prices continue to fluctuate, if you're asking, 'What's new? What's changing? And how do I build real financial stability in this season of fluctuating prices as well as political maneuvering?' In an inflationary society, stability doesn't come from wishful thinking—it comes from clarity, strategy, and wise adjustments. This episode with both Greg and Deb is about practical shifts you can make now to protect your income, strengthen your foundation, and move from reactive to resilient without fear and with intentionality. For full article see: https://goalsforyourlife.com/financial-stability  Also refer to this previous article: https://goalsforyourlife.com/how-to-survive-inflation/  for more on budget principles. YouTube Video: https://youtu.be/HMpnD8fyD-8  Watch and Subscribe! Get POWER OF AFTER BOOK HERE: https://amzn.to/3GpEGlJ Make sure you're getting all our podcast updates and articles! Get them here: https://goalsforyourlife.com/newsletter  Resources with tools and guidance for mid-career individuals, professionals & those at the halftime of life seeking growth and fulfillment: http://HalftimeSuccess.com  CHAPTERS 0:00 Intro to Financial Stability 2:20 Defining Inflation vs Supply and Demand 5:45 Why Travel and Food Prices are Changing 9:30 The Government Strategy for 3 Percent Targets 12:15 How to Stop Monthly Spending Creep 16:00 Auditing Subscriptions and Insurance Policies 19:45 Why a Paid Off House is Your Best Pension 23:30 Understanding Dividends and the Rule of 72 27:15 High Yield ETFs and Real Estate Investing 31:45 International Bonds and Global Diversification 34:30 Closing Tips for a Purposeful Next Chapter If you found this helpful, please SUBSCRIBE to the channel and join our community! Be sure to sign up for our weekly newsletter at our website for extra downloads and resources to help you maximize your skills and experience. #financialfreedom #midliferetirement #inflationtips #investingstrategy #moneygoals

In episode 150 of The Side Hustle Experiment Podcast  John (https://www.instagram.com/sidehustleexperiment/ ) and Drew (https://www.instagram.com/realdrewd/) talk with Mike (https://www.youtube.com/@TheUsedBookGuy) Mike's journey in the used book selling business, his recent success with the Amazon influencer program, and the challenges faced in the current Amazon marketplaceMike shares his personal philosophy on business and life, emphasizing the importance of enjoying the process while achieving financial stability. In this conversation, the speakers discuss various aspects of entrepreneurship, including the challenges and rewards of different business models, the importance of adaptability, and the realities of online success.Don't forget to Like, Subscribe, and hit the bell so you don't miss future episodes with top entrepreneurs and creators.Chapters00:00 Introduction and Personal Growth02:46 Diving into the Influencer Program06:02 The Shift in Reselling Strategies08:49 Challenges in the Amazon Marketplace12:02 Conditioning and Selling Books on Amazon15:00 Exploring Whatnot and Selling Strategies17:55 Community Dynamics in the Reselling Space21:10 Personal Goals and Business Philosophy36:32 Navigating Business Models and Stress Levels39:05 The Reality of Online Success and Income42:58 The Value of Paid Communities vs. Free Groups46:45 The Importance of Adaptability in Business58:01 Weight Loss Journey: Strategies and Mindset01:05:41 Financial Stability and Long-Term Goals#AmazonInfluencer #SideHustle #MakeMoneyOnlineFollow us on Instagram: https://www.instagram.com/sidehustleexperimentpodcast/ Listen on your favorite podcast platformYoutube: https://bit.ly/3HHklFOSpotify: https://spoti.fi/48RRKcPApple: https://apple.co/4bmaFOk Check out Drew's StuffInstagram: https://www.instagram.com/realdrewdTwitter: https://twitter.com/DrewFBACheck out John's StuffInstagram: https://www.instagram.com/sidehustleexperiment/Twitter: https://twitter.com/SideHustleExp FREE ResourcesFREE Guide: How to Make Money Reviewing Products https://bit.ly/3HIGFSP

Top universities say they've finally discovered the six keys to a deeply satisfying life. Amazingly, King Solomon beat them to it by 3,000 years! Join us for our new series, Human Flourishing, and learn to major on the wisdom of well-being.Let us know you're here! If you have a need or prayer request we can support you: thecompass.net/connectioncardIf you call The Compass your church home or you'd like to partner with us in what God is doing here, near, and far, you can visit thecompass.net/give

Max Meizlish of the Foundation for Defense of Democracies proposes an "economic strike force" to provide post-regime Iran with financial stability and credit, rebuilding the nation while successfully pushing out Chinese interests. (2)1925 PERSIA FROM THE AIR

When you run a service-based business, especially one that is seasonal, managing your cashflow can be a struggle. In today's episode, we're exploring the importance of financial stability, how to diversify your revenue, and creating accountability in your business.In This Episode You'll:Explore revenue diversification.Learn about potential revenue streams.Hear common obstacles you may face.Find it quickly:01:36 - Challenges of a Seasonal Photography Business02:20 - Financial Stability and Diversification02:46 - Personal Experience05:41 - Leveraging Your Brand for Additional Revenue06:45 - Diversifying Without Abandoning Core Services07:20 - Common Obstacles to Creating New Revenue Streams07:44 - Overcoming Stagnation in Your Business08:18 - Acknowledging the Challenges of Diversification09:49 - Building Accountability for Success10:38 - Resources for DiversificationMentioned in this Episode:Episode 75: Affiliate Marketing for Content CreatorsEpisode 74: Growing Beyond Services: Diversifying Revenue Streamsjoymichelle.co/coachingMore ways to connect:JOY MICHELLE INSTAGRAMWORK WITH JOY AS YOUR COACHJOY MICHELLE CO. WEBSITERead the full show notes from today's episode HERE.If you're enjoying the content we're creating on the podcast and want to connect with others who are called to both, make sure you come join us in the PhotoBoss® with Joy Michelle Facebook Group! Join Now >>