Podcasts about Financial stability

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]

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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

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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

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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.

There is a retirement risk that not many people think about & it could quietly derail your retirement plan. Learn what it is & how to mitigate against it in this episode.

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/

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Special Guest Host: Brett DiPasquale, AIF® BFA® Advisor at Elliott Wealth Management Services  

Die EZB treibt den digitalen Euro mit Hochdruck voran — als strategisches Prestigeprojekt, begründet mit Souveränität, Effizienz und dem Erhalt von Zentralbankgeld im digitalen Zeitalter. Aber was soll dieses Ding eigentlich lösen? Wozu brauchen Bürgerinnen und Bürger einen „digitalen Euro“, wenn sie bereits bargeldlos mit Karte, SEPA Instant oder Wero zahlen können? Dr. Volker Wieland, Professor für Monetäre Ökonomie und Direktor des Institute for Monetary and Financial Stability an der Goethe-Universität Frankfurt, einer der führenden deutschen Geldtheoretiker, bringt es in seiner Bundestags-Stellungnahme auf den Punkt: Das digitale Notenbankgeld sei „eine Lösung auf der Suche nach einem Problem“. Mit ihm diskutiert Daniel Stelter in dieser Episode, was genau geplant ist, wie die EZB es begründet, welche ernstzunehmenden Pro-Argumente es gibt und warum die Risiken für Bargeld, Datenschutz, Bankenstabilität und letztlich die Freiheit der Bürger gewichtiger sind als der mutmaßliche Nutzen.Hinweis – ABSTURZ – So retten wir Deutschland, das neue Buch von Daniel Stelter. Jetzt überall, wo es Bücher gibt. Auch bestellbar bei Thalia, Amazon, geniallokal.HörerserviceBeitrag Der digitale Euro – Chancen und Risiken einer digitalen Notenbankwährung von Prof. Dr. Volker Wieland u. a. in Wirtschaftsdienst - Zeitschrift für Wirtschaftspolitik: https://is.gd/uQ0GR5 Schriftliche Stellungnahme von Prof. Dr. Volker Wieland zur öffentlichen Anhörung im Finanzausschuss des DeutschenBundestages zu dem Thema „Digitaler Euro“ am 19. Februar 2025https://is.gd/ZwFYGJ Bericht Preparation phase of a digital euro — Closing report der EZB (29.10.2025): https://is.gd/zsXuFC OECD-Papier Central Bank Digital Currencies (CBDCs) and Democratic Values: https://is.gd/ljFf2w Bericht Central bank digital currencies: financial stability implications der Bank für Internationalen Zahlungsausgleich: https://is.gd/yTpJDtAusführung The role of the digital euro in digital payments and finance von Piero Cipollone, EZB-Direktor: https://is.gd/5ApvGK beyond the obvious – Neue Analysen, Kommentare und Einschätzungen zur Wirtschafts- und Finanzlage finden Sie unter think-bto.com.Newsletter – Den monatlichen bto-Newsletter abonnieren Sie hier.Redaktionskontakt – Wir freuen uns über Ihre Meinungen, Anregungen und Kritik unter podcast@think-bto.com.Handelsblatt – Bis zum 13. Mai 2026: Unabhängiger Journalismus und Meinungsfreiheit sind keine Selbstverständlichkeiten. Zum Tag der Pressefreiheit gibt es deshalb beim Handelsblatt ein besonderes Angebot: 12 Monate Zugang mit 50 % Rabatt. Alle Infos unter handelsblatt.com/pressefreiheitWerbepartner – Informationen zu den Angeboten unserer aktuellen Werbepartner finden Sie hier. Hosted on Acast. See acast.com/privacy for more information.

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.  

The podcast explores the impact of digitalization on real estate, investment considerations, realistic approach to real estate deals, and the importance of diversification and market exploration. It delves into the concept of Digital Natives, the changing landscape of real estate investment, and the need for a realistic and practical approach to real estate deals. The conversation covers the process of building social connections, obtaining a local SIM card and PINFL registration, and exploring real estate investment opportunities in Uzbekistan. The conversation covers financial stability in Uzbekistan, challenges of investing in the Uzbek stock market, investment recommendations, cultural and business practices, interpersonal trust, challenges in business dealings and construction, retail purchasing and negotiation, and the best time to visit Uzbekistan. The speaker provides insights and recommendations for navigating these aspects of Uzbekistan's economy and business environment.TakeawaysDigital NativesReal Estate InvestmentMarket Analysis Social connections in UzbekistanLocal SIM card registrationReal estate investment in Uzbekistan Financial stability in UzbekistanChallenges of investing in the Uzbek stock marketChapters00:00 Diversification and Market Exploration14:37 Exploring Real Estate Opportunities23:11 Financial Stability in Uzbekistan29:13 Challenges in Business Dealings and Construction

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 

Grant funding for FQHCs is declining. This episode breaks down how community health centers are using revenue cycle management to protect financial stability. Visualutions, Inc. City: Spring Address: 7440 Mintwood Lane Website: https://www.visualutions.com/ Phone: +1 281 297 2257

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

Aubrey Masango host Dr Frank Magwegwe, Faculty Member at GIBS to discuss how freelancers can build financial stability even when their income is unpredictable. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Dr Frank Magwegwe, Freelancer, Wages, Savings, Investment, Financial advisor, Insurance The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

This episode is a re-run. It was originally published in July 2024.Most subcontractors are stuck on the tools when they should be building the business.There is a point where hard work stops growing the company and starts trapping the owner inside it.In this episode, we unpack why stepping back into leadership is the move that unlocks bigger contracts, stronger cash flow, and a business that runs without you.Listen up!Struggling with unfair contracts or slow payments in construction? With 6,000+ contracts reviewed and $20 billion in contracts managed, Quantum Contracts' proven framework is designed to help you negotiate fair contracts, secure faster payments, avoid disputes, and improve cash flow.Don't let contract issues hold you back—gain the confidence to focus on growing your business. Ready to take control and make more profit per project?Click here to GRAB the FREE Industry Standards Guide: quantumcs.co/ISYtClick here to IMPROVE your contracts using the Quantum Contract System: quantumcs.co/Yt2025Click here to GAIN expert advice weekly for FREE: quantumcs.co/YTNewsOptInTimestamps:(3:43) - What machinery and systems are you making money on right now? How can you boost their efficiency?(4:39) - Real growth happens when you do step back off the tools and start leading(5:20) - Leaders need to work on the non-urgent, but really important stuff(6:44) - Stepping back from the day-to-day task isn't just about delegation, it's about proper handover period with systems and trainingDISCLAIMER: The content of this podcast does not constitute legal advice, is not intended to be a substitute for legal advice, and can not be relied upon as such. You should seek legal advice or other professional advice in relation to any matters you or your business may have.Follow our Socials and let's get connected! ⤵️⁠⁠⁠⁠Facebook⁠⁠⁠⁠ | ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠ | ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ | ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ | ⁠⁠⁠⁠TikTok⁠⁠⁠⁠ | ⁠⁠⁠⁠Twitter

We'd love to hear from you. What are your thoughts and questions?In this conversation, Allen Lomax interviews Jose Berlanga, a seasoned real estate investor, about the principles of building lasting wealth through real estate. They discuss the importance of land selection, the unique value of land as an asset, and the cultural and emotional significance of real estate. Jose shares insights on starting small in investments, understanding property potential, and the long-term mindset required for success. The conversation emphasizes that true wealth is built through patience, discipline, and a focus on generational returns.Main Points:Building wealth requires a long-term mindset.Land selection is crucial for real estate success.Real estate can hedge against inflation.Cultural and emotional values influence land investment.Start small and understand your investment objectives.Research local economic trends for better investment decisions.Investing in transitional neighborhoods can yield returns.Risk management is essential in real estate.True wealth is generational, not just financial.Integrity and ethics are vital in real estate.Connect with Jose Berlanga:https://joseberlanga.com/books/https://www.linkedin.com/in/jose-berlanga-900a9518/https://www.facebook.com/authorjoseberlangahttps://www.instagram.com/authorjoseberlanga/

Timothy Adams, President and CEO of the Institute of International Finance, brings his deep experience and expertise to Kopi Time. We begin with the nomination of Kevin Warsh as the next Fed Chair, and his potential approach to monetary policy, including the challenges of balancing political pressure with institutional independence. We then discuss the state of monetary and fiscal policy, risks characterising the outlook, financial stability concerns, and the politics and economics around the USD and stablecoins. We end with Tim's views on the evolving geopolitical landscape and the need for middle powers to seek new partnerships and pragmatic positions on matters of national security and trade.See omnystudio.com/listener for privacy information.

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 >>

Financial Stability, White Magic, Epstein Files ... This and Much Much More! Watch the full episode here:
www.youtube.com/watch?v=_MQ2vJKboRo Official Website: www.francesfox.com Follow in: Facebook: / francesfoxreveals TikTok: / francesfoxreveals Instagram: Mantrista Movement PODCASTS - FRANCES FOX: NEWS FROM OTHER DIMENSIONS Apple Podcasts: apple.co/3klq8Gm Spotify: open.spotify.com/show/2p6YmyDHa4c…e8752b40f6304c16 Stitcher: bit.ly/ffstitcher

In this episode, Raaj Kurapati, Executive Vice Chancellor and Chief Operating Officer, University of Tennessee Health Science Center shares how the organization has navigated difficult financial decisions, including workforce adjustments, to strengthen its foundation. He also discusses priorities for 2026, with a focus on rural healthcare access, workforce development, and evolving as a collaborative leader.

As therapists, most of us were never taught how to run a business—let alone how to manage money, payroll, hiring, or leadership in a way that's both ethical and sustainable.Licensed therapist and group practice owner Gordon Brewer and I talk openly about money mindset, generosity, boundaries, hiring mistakes, and what it really takes to create a financially sustainable group practice without burning yourself out or sacrificing quality of care.If you identify as a people-pleaser, an over-giver, or a “nice” leader who are quietly paying the price for unclear boundaries, this episode is for you.Gordon opens up about what didn't work when building his group practice, what had to change, and how learning to lead with clarity—rather than guilt—ultimately benefited both his team and his business.“Being kind means setting expectations and boundaries, so people know what to expect. Being nice often means avoiding those conversations—and that's where things fall apart.” — Gordon BrewerMistakes Made and Lessons Learned: Building a Sustainable Group PracticeGordon shares how over-giving with compensation, avoiding hard conversations, and underestimating the importance of clear financial systems led to stress and instability in his practice. Through hiring missteps, money mindset work, and implementing Profit First, he learned that sustainable leadership requires clarity, boundaries, and a willingness to course-correct.(00:04:16) Gordon's Journey to Owning a Group Practice and Hosting a Podcast(00:09:37) Sustainability Over Generosity: Lessons in Business(00:13:08) Navigating Money Stigma in Group Practice Ownership(00:17:51) Money Management and Hiring Lessons(00:20:05) How Boundaries and Values Shape Your Success with Finances(00:23:39) Parenting: Commands Disguised as Questions(00:27:03) Employee Benefits vs. Contracting(00:31:07) Planning for Financial Stability and Rebuilding a Sustainable Practice(00:36:43) How to Avoid Over-Giving in Your Private PracticeBuilding a Practice That's Generous and SustainableGordon's reflections highlight a truth I see again and again in my work with therapists: sustainability doesn't come from good intentions alone. It comes from aligning your values with clear business decisions, financial transparency, and leadership that supports everyone involved—including you.Key takeaways you can apply right now: Run the numbers before calling something “generous.”High splits, low fees, or extra perks aren't generous if they put your practice at risk. Sustainability is what allows generosity to continue.Being “nice” can quietly lead to burnout.Avoiding boundaries and hard conversations may feel compassionate in the moment, but it often creates resentment and instability over time.Kind leadership is clear leadership.Setting expectations upfront—and holding people to them—is one of the most respectful things you can do for your team.Money stories shape business decisions more than we realize.Beliefs about greed, selfishness, or worthiness often come from family or faith backgrounds and deserve to be examined—not blindly obeyed.It's never too late to course correct.Gordon's willingness to rebrand, rebuild systems, and restructure his business model created a healthier practice that better served everyone involved.If you're noticing patterns of over-giving, financial stress, or people-pleasing in your practice, I hope this episode helps you feel less alone—and more empowered to lead with clarity and confidence. Sustainable, ethical business decisions aren't a betrayal of your values. They're how you protect them.Ready to Improve your Business Money Skills?Are

What really matters for markets in 2026—and why are most forecasts focused on the wrong metrics? Lance Roberts visits with Simplify Portfolio Manager & Chief Investment Strategist, Michael Green, CFA, to examine the structural changes inside today's markets that are reshaping price discovery, volatility, and risk. From the rise of passive investing and ETF dominance to the growing disconnect between fundamentals and flows, the mechanics of how markets trade have changed dramatically. We explore why small-cap and mid-cap stocks remain the most economically sensitive indicators, how ETFs can pull sellers higher during inflows—and why that dynamic reverses dangerously during outflows. We also examine declining market elasticity, the limitations of the Efficient Market Hypothesis, and why traditional analysis is increasingly ignored. Beyond markets, we connect these shifts to investor behavior, financial nihilism, generational risk-taking, and the unintended consequences of policy intervention. From the "Bank of Dad" to systemic fund imbalances, this discussion reframes what a useful market outlook should actually focus on heading into 2026. This is not a prediction. It is a framework for understanding risk, structure, and consequences. 0:00 INTRO 2:02 - Outlook for 2026 - What's the important metric? 6:22- Small-cap, Mid-cap stocks are most economically sensitive 8:32 - The importance of Understanding What You Own 11:09 - The Issue of ETF's - Dragging the Sellers higher 13:13 - The Theory of Passive Investing 15:16 - The Composition of Trading has Changed 17:52 - How to correct an over valued stock 19:25 - The Problem with Passive Investing - what happens when investors start selling indexed ETF's (the Bigger the Company, the LESS Elastic the Demand Response) 23:55 - The Efficient market Hypothesis 25:32 - What Makes for a Useful Market Forecast - The market Can't Crash?? 27:14 - Systemic Issues within the Market 31:14 - What Would Michael Green Do? 33:18 - The Death of Analysis & Fund Imbalances 37:13 - The Next Generation of Investors and Risk-taking 39:17 - The Poverty Line & Young Investors 43:34 - When the Government Gets Involved 46:04 - Making Choices - Luxuries vs Necessities 49:18 - Financial Education, Financial Stability, & Financial Choices: Financial Nihilism 53:16 - The Bank of Dad & Soft Society 1:00:58 - Actions Have Consequences 1:05:30 - How to Reach Michael Green 1:06:33 - The Problem with The Problem Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Simplify Portfolio Manager & Chief Investment Strategist, Michael Green, CFA Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- Watch our previous show, "Social Security Reform: Expansion or Cuts?" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Market Rotation Is Broadening — But Risks Remain," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook2026 #PassiveInvesting #ETFMarketStructure #FinancialNihilism #MarketRisk #MichaelGreen

For some people, helping others reach financial stability and freedom – is just a job.For Bill Walters, it's personal.Before becoming a financial guru, Bill spent six years caring for his mother during her battle with dementia. He also raised a daughter with emotional, medical, and psychological needs. These experiences taught him firsthand how unpredictable life can be and how important it is to plan ahead with wisdom and care.Today, he works with people who are navigating life on their own terms. Whether managing a household or growing a business, to planning for retirement, or a loved one's long-term care – Bill's mission is to help you achieve lasting financial stability and solvency through solutions that truly fit your journey.He joins Jahmaal to share more about his journey and this crucial intersection between his experiences, and what he does to help others now. They also touch on the importance of mindset and control. The magic of simple, responsible decision making and more!Interested in Launching a Podcast?https://calendly.com/podcastprinciples/discover Episode Highlights:0:00 - Introduction0:22 - Episode open, introduction to Bill Walters1:20 - Bill's favorite genre of music (and how it informs his life)3:44 - What's developed Bill into who he is today5:22 - Bill's draw to “see things perfected”10:12 - Bill's advice for your own loved ones14:53 - Mindset, burnout and control23:05 - Roadmapping financial (and mental) success26:32 - How you can find your “why”29:22 - Re-building a nest egg33:15 - Closing thoughts CONNECT WITH JAHMAALLinkedIn: https://www.linkedin.com/in/jahmaalmarshall/Website: https://listenthenspeak.com/ If you're ready to get measured results for both personally and professionally, schedule an appointment with JahmaalInterested in learning more about Bill Walters?+1 (267) 278-5062 | +1 (609) 994-0222bill@perfectlyimperfectfamilies.comwww.perfectlyimperfectfamilies.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hey Friend!   Do you currently live paycheck to paycheck? Are you paying bills first and living off of what is remaining bringing inconsistency to your budget? Does this make it hard to save money and reach your financial goals? Are you ready to live in financial security?    After today, you are going to know what it takes to create a stable income even with inconsistent paychecks and bills causing you to ride the feast or famine rollercoaster.    So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I have a BUDGET PLANNER and next week I am revealing what it looks like. Make sure you join the Budgeting With Confidence Facebook Community or become an insider so that you can see what the planner is going to look like, what it will do for you and learn all of the details behind how you can pre-order your planner. Plus take one more step by setting up your Kickstarter account so that you can be one of the first to pre-order and get a special launch day only pricing.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Set Up Your Kickstarter Account . Questions? Email me at mollybenell@gmail.com . Resources:  55. Ready for Financial Stability? How an Emergency Fund Can Get You There Fast. 84. Real Life Budget: How to Know if You're off Budget or if It's Time to Rework Your Categories. 119. Looking for Consistency? My Method to Quit Living Paycheck to Paycheck and Afford Food and Bills at the Same Time. 124. Base Budgeting: The #1 Way to Live on Less and Save More

Amias Gerety, Partner at QED Investors, brings an unconventional perspective to venture capital shaped by his eight years at the US Treasury Department during the financial crisis. A mechanical thinker, Amias applies an essentialist approach to understanding how businesses work. He explains why QED looks for companies that triple every six months at Series A, how inverted AI creates new opportunities in financial services, and why the best advice for founders remains timeless: build something people want and charge more than it costs to make. With insights on the AI bubble, the application layer renaissance, and why saying no 99 times out of 100 is the real job of a VC, Amias offers a masterclass in disciplined, thesis-driven investing.In this episode, you'll learn:[01:24] Amias's unique path from politics and Treasury to venture capital[05:13] The lever theory: how government and VC create systemic change[07:12] Why mechanical thinking and first principles matter in VC[14:48] QED's investment sweet spot: Series A and series B with undeniable momentum[19:25] What product-market fit really means and how to recognize it[22:14] Inverted AI: Why the world needs financial services for the AI economy[26:43] The AI bubble paradox: overvalued companies, transformative technology[32:57] Why early-stage founders should ignore the macro and focus on customers[34:31] The brutal math of ventureThe nonprofit organization Amias is passionate about: EastersealsAbout Amias GeretyAmias Gerety is a Partner at QED Investors, where he focuses on FinTech and InsurTech investments. Before joining QED in 2017, Amias spent eight years at the US Treasury Department from the first day of the Obama administration through its final day. During his tenure, he helped write the Dodd-Frank Act and built the Financial Stability Oversight Council, the organization responsible for monitoring systemic risk in the US financial system. His government experience during the financial crisis gives him a unique perspective on market dynamics and regulatory frameworks. A mechanical thinker who approaches investments with an essentialist mindset, Amias has invested in companies like Kin Insurance, Prosper, and Tint. He previously worked as a management consultant and with Save the Children in East Africa.About QED InvestorsQED Investors is one of the most successful venture capital firms focused on FinTech investments globally. As a multi-stage, global firm with a $650 million early-stage fund and $300 million growth fund, QED specializes in Series A and B investments in companies demonstrating exceptional momentum and product-market fit. The firm requires portfolio companies to show dramatic growth—expecting tripling in six months for Series A and tripling in a year for Series B investments. QED's partners bring deep domain expertise from building and scaling financial services companies, with a particular focus on companies that are reshaping financial services through technology. The firm is known for its rigorous, thesis-driven approach to investing and its high conviction in backing founders who have found authentic product-market fit in large, expanding markets.Subscribe to our podcast and stay tuned for our next episode.

If you're a therapist who carries the weight of being the primary breadwinner while also wanting more presence, more ease, and more time with your family, this episode is for you. This isn't a conversation about hustling harder or squeezing more productivity out of already-full days. It's about slowing down enough to make values-based decisions—so your money, time, and energy actually support the life you want to be living.In this coaching-style episode, I sit down with Colleen Barrows, a perinatal mental health therapist, mom of two young children, and graduate of Money Skills for Therapists. Together, we walk through the very real tension Colleen is feeling between maintaining financial stability as the primary breadwinner, managing most of the household responsibilities, and wanting more meaningful one-on-one time with her kids—while also nurturing a creative passion project, which will help therapists and postpartum women, that she hopes may one day provide her with passive income.Choosing Time, Family, and Financial Stability as a Breadwinning TherapistLike so many breadwinning therapist moms, Colleen's “math brain” keeps telling her that the solution is to see more clients. She's currently carrying a heavy client load while also functioning as the household manager and emotional anchor at home. In this conversation, I gently guide Colleen through a reflective exercise—imagining herself years from now, looking back on this fleeting season of early parenthood—and we explore what choices she would feel most proud of when it comes to time, money, and energy.A Coaching Conversation for Breadwinning Therapist Parents(00:03:39) Balancing Passion, Time, and Family(00:12:99) Juggling Work and Household Finances(00:16:57) Balancing Careers and Relationship Equity(00:22:41) Quality vs. Quantity in Parenting(00:24:20) Seeking Balance and Intentionality(00:27:08) Household Roles and Compatibility(00:31:52) Balancing Breadwinning and Family(00:33:21) Money Clarity for TherapistsExploring Choices Around Time, Energy, and IncomeThis episode offers an honest look at the tension many therapist parents feel—between financial responsibility, private practice demands, and the desire to be fully present during a fleeting season of early parenthood. If you've ever felt pulled between money decisions and your deeper values, this conversation is for you.Key takeaways to reflect on:Balance isn't just math: Financial choices should support your well-being, not override it.Quality over quantity: Small, protected moments of connection matter more than constant presence.Revisit roles regularly: Sharing household labor and support can ease resentment and restore energy.Being the breadwinner often means carrying more than just the paycheck. This season of parenting young children is intense—but it's not permanent. With thoughtful, values-led choices, you can build a life you'll look back on with pride, not regret.Ready to Improve your Business Money Skills?Are you a Solo Private Practice Owner? I made this course just for you: Money Skills for Therapists. My signature course has been carefully designed to take therapists from money confusion, shame, and uncertainty – to calm and confidence. In this course I give you everything you need to create financial peace of mind as a therapist in solo private practice.Want to learn more?