Podcasts about financial strategies

On Jesse's 11th "Ask Me Anything" episode, he unpacks four questions that sit at the center of real-life financial decision-making. He starts with a grounded look at the 15-year vs. 30-year mortgage debate, cutting through rules of thumb to show how interest rates, liquidity, cash-flow, and even your personal comfort with debt shape the right choice far more than blanket advice ever could. From there, he turns to the under-discussed strategy behind Health Savings Accounts—why the "invest and reimburse later" approach works, when it stops working, and how the tax bomb of leaving HSA dollars to non-spouse heirs should change how listeners think about funding and spending those accounts in their 50s and beyond. In a detailed case study, Jesse walks through a listener's complex 2026 tax year involving rental-property capital gains, ACA cliffs, Social Security timing, and potential Roth conversions, revealing how layered tax rules—income brackets, capital gains stacking, depreciation recapture, and NIIT—interact in ways that can either save or silently cost retirees thousands. And finally, he tackles whether a diehard DIY investor or Boglehead should ever hire a financial planner, drawing a sharp distinction between the "Uncle Franks" who truly live and breathe this stuff and the "Nicks" who love markets but miss the deeper planning work. With clarity, nuance, and practical wisdom, Jesse shows listeners not just what to do, but how to think through the tradeoffs that define good long-term planning. Key Takeaways: • A 15-year mortgage saves significant interest, but the higher monthly payments reduce cash-flow flexibility and increase default risk. • A 30-year mortgage often wins mathematically when investors "invest the difference," thanks to potentially higher long-term market returns versus fixed loan rates. • Choosing a mortgage term is partly a psychological decision, not just a financial optimization. • HSA dollars become a tax trap if left to non-spouse heirs, who must treat the entire balance as taxable income in the year of inheritance. • Selling a rental property triggers both capital gains and depreciation recapture, which can dramatically increase taxable income in that year. • DIY investors vary widely—some are true experts, while others know just enough to make avoidable mistakes. Key Timestamps: (02:04) – 15-Year vs. 30-Year Mortgage Debate (11:03) – Liquidity and Mortgage Payments (13:48) – HSA Accounts: When to Fund and When to Use (25:37) – Spending Down HSA Balances (26:39) – Allison's Financial Planning Dilemma (29:05) – Analyzing Capital Gains and Tax Implications (35:49) – Considering Social Security Timing (38:54) – The Role of Financial Planners for DIY Investors Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ Personal Finance for Long-Term Investors is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

We'd love to hear from you. What are your thoughts and questions?The conversation delves into the multifaceted nature of energy investing, emphasizing its role in wealth protection and intelligent diversification. It highlights the urgency of tax planning for 2025, urging listeners to take action before time runs out. The discussion also touches on the importance of diversifying investments beyond traditional markets like stocks and real estate.Main Points:John's insights remind us that energy investing isn't just about oil and gas, but it's about building enduring value, protecting wealth, and aligning our financial strategy with intelligent diversification.There is still time to make a meaningful impact on your 2025 tax plan, but time is running out.Now is the moment to act and finalize your tax planning for 2025.Gulf Coast Western can show you how to save tax dollars from going to the government.True diversification goes beyond stocks, bonds, and real estate markets.Energy investments can provide a hedge against inflation and market volatility.Investing in energy can lead to long-term financial stability.Understanding the tax implications of investments is crucial for wealth management.Diversification is key to reducing risk in investment portfolios.Proactive tax planning can lead to significant savings.Connect with John Engel:https://www.linkedin.com/in/john-engel-6aba212bb/johne@gulfcoastwestern.comwww.gulfcoastwestern.com

Jesse sits down with Andy Hill—personal finance educator, podcast host, and creator of Marriage, Kids, and Money—for a candid conversation about building wealth while building a life you actually enjoy. Andy shares how a mix of financial discipline, intentional goal-setting, and family-centered values helped him and his wife pay off their mortgage by age 35 and achieve financial independence on their own terms. Together, they unpack why traditional FIRE goals often miss the human side of money, how to define "enough," and why generosity and purpose are essential parts of financial freedom. Andy also opens up about the shift from chasing net worth to focusing on net happiness, revealing the moment he realized money was no longer the main goal—but a tool for creating the life and impact he wanted most. Throughout, Jesse and Andy remind listeners that real wealth isn't about numbers—it's about freedom, joy, and using money to live aligned with what truly matters. Key Takeaways:• Financial freedom isn't just about money—it's about creating the life and relationships you truly want. • Family alignment around financial goals strengthens relationships and ensures everyone is moving in the same direction. • Andy's shift from "net worth" to "net happiness" redefined how he measures success and balance. • Andy emphasizes financial independence on your own terms, not a one-size-fits-all version of FIRE. • Clarity creates motivation—when your goals align with personal meaning, saving and investing feel purposeful. • Sustainability matters more than intensity—consistent, realistic habits lead to long-term financial wellness. Key Timestamps:(00:44) – The Value of Time in Financial Planning (05:16) – The Importance of Buying Back Your Time (08:31) – Interview with Andy Hill: Owning Your Time (14:33) – Exploring the Concept of Coast FIRE (18:51) – Dreaming of a Three-Day Work Week (22:18) – The Value of Relationships (25:05) – Practical Tips for Transitioning to a Three-Day Work Week (29:45) – Involving Kids in Financial Planning (34:27) – Diversifying Your Identity Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:Website: https://marriagekidsandmoney.com/  LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Get your pre-copy of Andy's new book here:  https://amzn.to/4phCgqF "Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind" by Andy Hill More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Are you a grandparent suddenly stepping into the role of raising your grandchildren, seeking guidance to break generational cycles and create lasting change? Do you find yourself wondering how to offer wisdom, resilience, and opportunity despite limited resources or unexpected challenges? Are you searching for strategies to foster independence, emotional healing, and practical success in your grandkids—while juggling your own needs and dreams?I'm Laura Brazan, and I know firsthand the journey of shifting from retirement plans to full-time parenting. In “Grandparents Raising Grandchildren,” we go beyond the basics of kinship caregiving to tackle the real-life challenges you're facing right now.In this powerful episode, I sit down with Nathaniel Turner—author, parent advocate, and co-founder of the League of Extraordinary Parents. Together, we dive deep into actionable strategies for financial freedom, trauma-informed parenting, raising resilient and independent children, and envisioning bright futures regardless of your starting point. We address how to stop outsourcing your power as a grandparent, harness your life experiences as strength, and build a personalized blueprint for raising extraordinary grandchildren in today's world.For more information on Nathaniel Turner and his work, please visit https://www.nathanielaturner.com/ to learn more about raising a child that "the world will marvel at", please visit the League of Extraordinary Parents.Join us as we bring hope, community, and practical tools to help you transform adversity into purpose. If you're a grandparent caregiver searching for wisdom, support, and real solutions, this episode is for you.Send us a textHello! Thank you for creating this podcast. It is a blessing to my life in this season

What do Mike Tyson, tax season, and your retirement plan have in common? This episode of the Art of Money podcast blends celebrity stories with practical advice on tax prep, ongoing tax planning, and inflation-proofing your financial future. Host Art McPherson shares real strategies for organizing documents, maximizing deductions, and building trust with financial advisors. Plus, hear insights from Tyson himself and learn how to keep your money growing, even as the world changes. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What happens if you leave your retirement plan on autopilot? This episode of the Retirement For Living podcast with JoePat Roop reveals the risks of “paralysis analysis” and the consequences of not having a clear financial strategy. Learn what to look for in a financial advisor, why credentials and fiduciary responsibility matter, and how a simple, personalized plan can help you avoid costly mistakes. Discover the importance of understanding your goals and building a roadmap that fits your life. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode, Liz chats with Danielle Hendon, founder of Four Corners CFO—a financial advisory firm that helps service-based business owners make sense of their numbers and build businesses that support the lives they want. Danielle shares how she landed on her business name, her unique six-part financial framework, and busts common myths about CFO services (spoiler: they don't do taxes or bookkeeping!).Together, Liz and Danielle dive into practical money matters: when you might be ready for a CFO, how intuition blends with financial decisions, and why profit matters more than just revenue growth. Danielle also gives concrete examples for managing business expenses, handling feast-or-famine workflows, and how to confidently make hiring decisions.They also share a fun, unscripted moment when they discover they work with the same CPA, and discuss the importance of having a supportive financial team. Hosted on Acast. See acast.com/privacy for more information.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre your capital gains quietly building into a financial time bomb that could detonate right when you need liquidity the most?For many high-earning Canadians—especially tech professionals with stock options and RSUs or business owners with most of their wealth tied up in their company—capital gains don't feel dangerous… until they suddenly are. As positions grow year after year, so does the tax liability, the concentration risk, and the emotional resistance to selling. By the time liquidity, diversification, or retirement planning becomes urgent, the opportunity for elegant, tax-efficient strategies has already closed. This episode digs into why capital gains become such a trap, how optionality slowly disappears, and what both employees and business owners can do before they hit a point of no return.In this episode, you'll discover:How concentration risk quietly compounds and why waiting makes the tax burden exponentially harder to manage.The strategic moves that only work before you need to sell, from trimming positions to pairing gains and losses to building diversified buckets.Why business owners face the same capital-gains trap as employees—and what they can do to de-risk while keeping growth potential and flexibility intact.Press play now to learn how to unwind capital gains strategically—long before the tax bill dictates your decisions. If you'd like, I can tighten the tone further, make it punchier, or create a more SEO-optimized version.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financialReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3367: Michael Smith draws powerful parallels between playing rugby and managing money, emphasizing the importance of teamwork, mental resilience, and meaningful relationships. His insights show how trusting a solid team of financial professionals, sticking to long-term strategies, and redefining your relationship with money can lead to greater peace of mind and financial success. Read along with the original article(s) here: https://www.financialfinesse.com/2015/12/11/financial-lessons-from-a-rugby-field/ Quotes to ponder: "Expecting to win some and lose some can help take the over-reaction out of investing." "Not being defined by your financial situation at any moment in time is a very important skill to learn." “Pick a strategy and stick to it in good markets and bad.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3367: Michael Smith draws powerful parallels between playing rugby and managing money, emphasizing the importance of teamwork, mental resilience, and meaningful relationships. His insights show how trusting a solid team of financial professionals, sticking to long-term strategies, and redefining your relationship with money can lead to greater peace of mind and financial success. Read along with the original article(s) here: https://www.financialfinesse.com/2015/12/11/financial-lessons-from-a-rugby-field/ Quotes to ponder: "Expecting to win some and lose some can help take the over-reaction out of investing." "Not being defined by your financial situation at any moment in time is a very important skill to learn." “Pick a strategy and stick to it in good markets and bad.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3367: Michael Smith draws powerful parallels between playing rugby and managing money, emphasizing the importance of teamwork, mental resilience, and meaningful relationships. His insights show how trusting a solid team of financial professionals, sticking to long-term strategies, and redefining your relationship with money can lead to greater peace of mind and financial success. Read along with the original article(s) here: https://www.financialfinesse.com/2015/12/11/financial-lessons-from-a-rugby-field/ Quotes to ponder: "Expecting to win some and lose some can help take the over-reaction out of investing." "Not being defined by your financial situation at any moment in time is a very important skill to learn." “Pick a strategy and stick to it in good markets and bad.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement isn't the finish line... it's the start of a new financial chapter. In this episode, John explains why shifting from “getting to retirement” to “planning through retirement” is essential. He shares real examples, the impact of staying invested, and what long-term risk actually looks like for retirees. A clear, practical conversation to help you protect your lifestyle, keep your money working, and stay confident for the decades ahead. 00:00 Introduction to Retirement Misconceptions 00:25 The New Race: Finding Purpose in Retirement 01:21 Financial Strategies for a Secure Retirement 03:15 Retirement Journey 05:32 The Importance of Investing Through Retirement

Today, Jesse is joined by Dr. Phil Pearlman—psychologist, behavioral finance veteran, and founder of the Pearl Institute—for a conversation about how long-term health and long-term wealth are two sides of the same coin. Together, they explore why the holiday season, while full of joy and connection, is also the unhealthiest stretch of the year for most Americans—and how small, deliberate choices can reverse that trend. Phil shares his "four pillars of health"—nutrition, exercise, sleep, and love/community—alongside his own powerful story of addiction, recovery, and rediscovering the athlete within. From the parallels between compounding habits and compounding returns to the dangers of "energy toxicity" in modern diets, the discussion connects physical and financial wellbeing through the shared principles of discipline, awareness, and intentional living. Phil explains why cutting alcohol, prioritizing protein, and starting with just one sustainable habit—like morning walks—can transform both body and mindset. Throughout, Jesse and Phil remind listeners that you only get one body, one life, and one chance to invest in both wisely. Key Takeaways: • Health and wealth are interconnected — both require discipline, patience, and compounding habits to create long-term success. • Nutrition is the top priority; you can't "out-exercise" a bad diet, and most health challenges begin with poor food choices. • Alcohol is one of the biggest barriers to health, harming sleep, metabolism, mood, and long-term physical wellness. • Phil's personal transformation—from addiction and poor health to sobriety and vitality—shows that renewal is always possible. • Morning walks are a high-impact, low-barrier habit, improving mood, metabolism, and sleep cycles. • Community and connection are health essentials, not luxuries; love and belonging strengthen both body and mind. Key Timestamps: (00:00) – The Power of a Deeper Yes (07:29) – Identifying Your Core Values and Spending (12:00) – The Four Pillars of Health (22:06) – Seasonality and Health During the Holidays (33:41) – The Role of Alcohol in Nutrition (39:10) – Setting Health Goals for the New Year Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://primecuts.philpearlman.com/  LinkedIn: https://www.linkedin.com/in/philip-pearlman-1002183/ Mentions: https://bestinterest.blog/do-you-have-a-deeper-yes/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Choosing the right financial advisor can make or break your long term financial future. I sat down with Brian Bachelier of Hawthorne Capital to talk about the decisions that create real financial security, the red flags people miss, and the qualities every great advisor should have.Brian's background is unique, Chicago Board of Trade, hedge fund management, equity trading, strategy development, and now a Certified Financial Planner and Certified Market Technician. His approach is built on clarity, transparency, and always acting in the client's best interest.What this episode covers:How Brian developed his expertiseWhat most people misunderstand about advisorsFiduciary vs. suitability explainedHow to know if your advisor is doing right by youThe role of AI in financial planningKey financial decisions business owners must considerTune in and take control of your financial future with the right information.Connect with Brianhttps://www.linkedin.com/in/brianbachelier/https://www.facebook.com/people/Brian-Bachelier-CFP-CMT-Hawthorne-Capital-Wealth-Advisors/61583141036272/https://www.youtube.com/@BrianBachelierhttps://x.com/bbachelierConnect with Builders of AuthorityWebsite: https://buildauthority.comFREE Facebook Group: https://www.facebook.com/groups/7685392924809322BOA Mastermind: https://buildauthority.co/order-form-mastermindGoHighLevel Extended 30-day Free Trial w/TONS of Personal Branding Bonuses: http://gohighlevel.com/adammcchesney

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Are annuities the missing piece in your retirement income puzzle? Frank and Frankie Guida break down the pros and cons of annuities, how they compare to traditional pensions, and strategies for bridging income gaps in retirement. Learn how flexibility, guaranteed income, and personalized planning can help you navigate the transition from paycheck to retirement. Real-life examples illustrate how annuities can fit into a broader financial strategy, ensuring your income keeps pace with inflation and changing needs. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

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Pattie Lovett-Reid and Toonie Tuesday can be heard every Tuesday morning at 8:20 on The Andrew Carter Morning Show.

FinPod: Subscription Economics: Mastering LTV, Churn, and Recurring RevenueThe Subscription Economy has fundamentally reshaped corporate finance, moving the focus from one-time sales to long-term customer relationships. For professionals in FP&A, IR, and Corporate Strategy, understanding this shift is critical for forecasting and valuation.In this episode of Corporate Finance Explained on FinPod, we break down the unique financial mechanics of recurring revenue, examine key metrics, and explore how the most successful companies manage this model.The Core Shift: Value & Metrics: The subscription model swaps short-term cash hits for long-term predictability, which investors reward with higher valuation multiples.The Critical Ratio (LTV:CAC): We break down the relationship between Customer Lifetime Value (LTV) and Customer Acquisition Cost (CAC). Learn why the benchmark is LTV ≥ 3x CAC and the pitfalls of inflating LTV with non-recurring revenue.The Accounting Challenge: We explain revenue recognition (ASC 606/IFRS 15) and the concept of Deferred Revenue. Cash is received upfront, but revenue is recognized over time, which can make financial statements appear less profitable during high-growth periods.The Cautionary Tale: Analysis of MoviePass reveals the danger of fundamentally broken unit economics, where the cost to serve the customer (CoGS) was higher than the subscription fee, accelerating the path to bankruptcy.Strategic Playbooks & Success Stories: Successful companies master the mechanics of growth and retention, managing complex P&Ls and investor expectations:The Content Giant (Netflix): The challenge of balancing liquidity and leverage while managing billions in content amortization to drive retention and reduce churn (even a half-percent increase means millions in lost ARR).The SaaS Pioneer (Salesforce): Leveraging deferred revenue as an interest-free loan and obsessively tracking Net Revenue Retention (NRR), measuring if existing customers increase their spending over time.The Strategic Pivot (Adobe): The painful but successful transition from a lumpy license model to the predictable Creative Cloud subscription, which required transparent communication to manage market expectations.The Hybrid Model (Peloton, Amazon Prime): Understanding that the high-cost hardware sale is primarily a customer acquisition channel for the much more valuable, low-cost recurring content stream.The Modern Finance Mandate: Mastering the subscription model requires blending traditional corporate rigor with data science:Cohort Analysis: Shifting forecasting models to track groups of customers based on sign-up time, revealing granular insights into renewal rates, upgrades, and churn patterns.Proactive Scenario Modeling: Forward-looking planning (FP&A) must run rigorous sensitivity analyses, modeling the impact if CAC jumps 15% or if churn spikes, to prepare leadership for potential volatility.Communication is Strategy: Clearly articulating metrics like NRR and the path for LTV expansion to maintain premium public market valuations.

In this episode, I sit down with Eli Rubel, CEO of Profit Lab, an organization specializing in finance, strategic planning, and bookkeeping services for agencies. Eli discusses his journey from chasing the dream of taking a company public to prioritizing financial freedom and personal happiness, which he calls the 'tricycle lifestyle.' He talks about the importance of profit goals, the intricacies of running multiple companies, and strategies for achieving high profit margins in the agency world. Learn about the agency cycle of sadness, the significance of clear financial metrics, and Eli's playbook for growing agencies successfully. Stick around for insights into managing work-life balance, setting non-negotiables, and navigating the challenges of scaling a business. Connect with Eli on LinkedIn and subscribe to his newsletter 'The Profit Forecast' for more actionable strategies.00:47 Eli's Motivation and the 'Tricycle Lifestyle'03:35 Building and Growing Agencies06:07 Challenges and Lessons Learned09:06 Non-Negotiables and Personal Milestones13:37 Financial Strategies and Profitability25:33 Growth Playbook and Marketing StrategiesConnect with Eli: • Folks can connect with me on Linkedin: Eli Rubel and subscribe to my free newsletter where I send actionable nuggets for agency owners every week. Profit Labs: www.profit-labs.co - bookkeeping, accounting, and strategic finance for agency owners.SurveyGate: www.surveygate.co collect client feedback automatically to reduce churn and increase retention. Matter Made: www.mattermade.co paid media and performance marketing for B2B SaaS technology companies. NoBoringDesign: www.noboringdesign.com marketing design subscriptions, web design, and brand for businesses who want to stand out.Agency Resource https://docs.google.com/spreadsheets/d/1gQ303hecl1VjNAjJdTxI-WNTfECvEHUSBzJOfw87lPg/edit?gid=1651481327#gid=1651481327Eli's newsletter: https://www.newsletter-signup.com/the-profit-forecast/Connect with Raul: • Work with Raul: https://dogoodwork.io/apply • Free Growth Resources: https://dogoodwork.io/resources• Connect with Raul on LinkedIn (DMs open): https://www.linkedin.com/in/dogoodwork/ 

Is your retirement plan ready for the twists and turns of today’s economy? This episode explores how shifting tax laws, market volatility, and required minimum distributions impact your financial future. Damon Roberts shares real-life stories, practical strategies for tax efficiency, and tips for making smart moves before year-end. Whether you’re decades from retirement or already drawing income, discover actionable insights to help you navigate the new landscape. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

"It is never too late to start something new and to put your energy into something that you've loved your whole life, but you've never had time to focus on." Our hosts, Stephanie McCullough and Kevin Gaines, explore the strategic path to entrepreneurship in midlife with the Corporate Escape Sherpa herself, Tabatha Jones! After 30 years in corporate tech leadership, Tabatha made her leap at age 50 and now guides women through building profitable businesses before they leave their steady paychecks behind. "If it's not on your calendar, if it's not something you are focused on doing, it just becomes a someday, which becomes a never, which becomes regret." Tabatha's approach challenges the typical entrepreneurial narrative. Rather than dramatic leaps of faith, she advocates for methodical preparation while your corporate job finances your dream. She saved three years of expenses before leaving, far beyond the typical 6-12 months, and systematically eliminated debt, paid off her house, and even installed solar panels to reduce future living costs. Her "Freedom Framework" starts with the crucial question of "why", and she insists on going at least five layers deep. "When you stay at that surface level why... it's not enough to keep you going," Tabatha explains. From there, entrepreneurs identify their "what" (skills and gifts), "who" (ideal clients), and finally "how" (the business model). In that order! Chances are, you need a financial reality check as a prerequisite to creating your freedom plan. Tabatha has clients highlight every expense on their credit card statements, hunting for "money leaks" like forgotten subscriptions. One client discovered three gym memberships she'd forgotten about. Another realized her pricing meant she'd need 100 clients monthly just to break even! Most powerfully, Tabatha reminds us that midlife career changes require different strategies than younger transitions. While thirty-somethings can "dip their toe" in entrepreneurship and return to corporate easily, the job search for midlifers now takes 8-12 months. Building your business foundation while employed isn't just smart. It's essential!   Key Topics The Corporate Escape Sherpa Philosophy (02:17) Tabatha's Journey Through 2020 Pandemic Pivot (03:30) The Freedom Framework (08:44) Why Midlife Transitions Need Different Strategies (09:49) Finding Money Leaks and Financial Planning (19:18) Client Success Story: Travel Agency Launch (30:37) Celebrating Wins and Managing Entrepreneurial Mindset (32:48) Stephanie and Kevin's Takeaways (38:10)   Resources: ·      Tabatha Jones on LinkedIn ·      CorporateEscapeSherpa.com ·      Freedom Builder System   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

I'm Josh Kopel, a Michelin-awarded restaurateur and the creator of the Restaurant Scaling System. I've spent decades in the industry, building, scaling, and coaching restaurants to become more profitable and sustainable. On this show, I cut through the noise to give you real, actionable strategies that help independent restaurant owners run smarter, more successful businesses. In this episode, I dive into one of the most overlooked parts of running a successful restaurant—the lease. I explain how rent isn't just an expense but a performance metric that can shape your entire business. You'll learn how to negotiate from a position of strength, build better relationships with landlords, and know when walking away is the smartest move for your bottom line.  TakeawaysYour lease can bankrupt you while you're succeeding.Treat rent as a performance metric, not a bill.Negotiate from proof, not panic.Investors don't ask for discounts, they ask for upside.A bad lease with great sales is just a trap.Know when to walk away and leave rich.Highlight every clause that changes over time.Schedule a lease review with your accountant, not your landlord.Your landlord is your most dangerous business partner.Share this with an owner still negotiating like a tenant.Chapters00:00 Introduction to Restaurant Success Strategies01:52 Understanding the Lease as a Business Tool05:39 Negotiation Tactics for Restaurant OwnersIf you've got a marketing or profitability related question for me, email me directly at josh@joshkopel.com and include Office Hours in the subject line. If you'd like to scale the profitability of your restaurant in only 5 days, sign up for our FREE 5 Day Restaurant Profitability Challenge by visiting https://joshkopel.com.

Today's episode is another installment in our Tech-Enabled Advisor series. The idea here is to better understand agtech through the lens of the BUYER and USER of that technology rather than just the entrepreneurs or investors behind it. I've received some super positive feedback about the return of this series. By talking to the buyers rather than the sellers of the tech, we got an unfiltered introduction to the technology and more importantly got to see HOW its used and the VALUE that it provides. To do this, I partner with a company and together we invite one of their customers onto the show. The catch is that they're not allowed to script these individuals or dictate what to say or edit it after it is recorded - it has to be real and unfiltered. So today's episode featuring Todd Kirwan of Apex Precision Agriculture is produced in partnership with AgWorld. And I'm really excited to be partnering with them again, as they were a part of the last time I did this tech-enabled advisor series. But for anyone who might not be familiar, Agworld has been operating since 2009, developed by and for growers & agronomists, and is independently owned. The Agworld ecosystem digitally connects growers with their staff, agronomist, contactor, ag retailer and anyone else that is involved in the farming process. The tool is set up to enable collaboration in the digital farming process, so farmers can maximise financial and crop performance. With Agworld you can plan your crop, mitigate your risks, and improve your profitability. And you're going to get a great illustration of what that looks like on the ground and in practice in today's episode with Todd Kirwan. Todd and I discuss what types of cultural changes need to happen in a farming operation to get the most out of technology, where things go wrong in the attempts to get the most value out of farm data, why he believes the challenging farm economy makes tools like AgWorld even more critical and some of the changes he sees happening in the future of agriculture. A little background on Todd: Todd Kirwan is the founder of Apex Precision Agriculture, a consultancy focused on helping growers and agribusinesses transform their operational data into their most profitable asset.With over 25 years in large-scale production agriculture, his career has been dedicated to bridging the gap between field-level agronomy and high-level financial strategy. Over that time, he's seen the industry from every angle, from moving pipe on the family farm to directing operations for a multi-state farming enterprise. Through his experiences in farm management, he recognized a critical need for a partner who understands not just the data, but the human dynamics of implementing change. And that led him to starting Apex Precision Agriculture. Todd grew up working in his family's farming operation and then started his own custom applicator business. That led him into farm management and leadership for a rapidly expanding farming company called Lance Funk Farms. He then stayed on after Lance Funk sold to AgReserves, which is the agricultural company owned by the LDS church. It was that time at Lance Funk Farms, when they were hyper focused on growth that Todd really embraced how technology can improve a farming operation.

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

What if a single tax law could change your entire retirement strategy before the year ends? This episode unpacks the “big, beautiful bill” and its surprising impact on deductions, Roth conversions, and income planning. Art McPherson breaks down last-minute tax moves, the realities of today’s economy, and how to cut through the noise to make smart financial decisions. Plus, hear insights from Kenny Chesney on authenticity and balance, and discover why now is the time to review your plan before the window closes. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the next market crash is closer than you think? This episode dives into the lessons of 1929, the risks of today’s AI-driven economy, and how retirees can protect their savings from sudden downturns. Discover why diversification and guaranteed income products matter, how interest rate changes impact your finances, and why one-size-fits-all advice can be dangerous. Real stories and practical strategies help you cross the retirement finish line with confidence—no matter what the market does. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Sarah shares real stories from beta testers using The Good Food CFO financial strategy software for the first time:* A founder running five sales channels discovered their revenue tracking wasn't set up to support strategic decision-making* A 16-year bakery owner finally understood where profit actually goes when monthly debt payments take it right back out* A founder learned why categorizing marketing expenses as cost of goods sold makes their numbers nearly impossible to interpretThe software isn't just a tool—it's revealing the blind spots that most founders don't even know they have. Tune in for practical insights about organizing your financial foundation and unlocking better decision-making in your business.Want this same clarity in your food business? Join our waitlist for 50% off your first month's subscription.Join The Good Food CFO Community:Follow us on Instagram: @thegoodfoodcfoWatch on YouTube: @thegoodfoodcfoBecome a Member: BABOYOT This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thegoodfoodcfo.substack.com/subscribe

Today, Jesse is joined by Professor John Dinsmore—behavioral finance researcher, marketing scholar, and author of The Marketing of Debt: How They Get You—for a conversation about how persuasion, psychology, and modern advertising quietly shape our financial lives. Together, they explore how marketers exploit human biases like loss aversion, anchoring, and over-optimism to sell products, loans, and debt, and why AI-driven "adaptive ads" are making it harder than ever to recognize when we're being influenced. John shares real-world examples—from car dealerships to "buy now, pay later" offers and sports betting apps—revealing how even savvy consumers fall prey to tactics designed to exploit fear, emotion, and cognitive shortcuts. The discussion also dives into the growing vulnerability of retirees targeted by complex financial products, and why awareness, self-monitoring, and slowing down decisions are key defenses. Throughout, Jesse and John remind listeners that acknowledging our weaknesses is a strength—and that understanding how marketing works is one of the best ways to protect both our wallets and our wellbeing.  Key Takeaways:• Marketing works on everyone—even when we think we're immune. Most people admit that advertising influences others, but few realize how deeply it shapes their own decisions. • People tend to believe they'll have more time, money, or stability in the future, making it easy to justify debt today. • Loss aversion drives many financial mistakes. We fear losses more than we value gains, which leads us to buy unnecessary warranties, insurance, or "safety" products. • AI-powered marketing will get subtler. As systems learn to mimic human tone and emotion, it will become harder to tell when you're being influenced. • Social media blurs the line between content and advertising. Influencer partnerships and native ads make it harder to recognize when you're being sold to. • Being "weak" isn't failure—it's human. Admitting our psychological blind spots allows us to build systems and habits that protect us. Key Timestamps:(01:49) – Understanding Personal Weaknesses (04:25) – The Impact of Marketing and Advertising (08:22) – Interview with Professor John Dinsmore (13:19) – The Marketing of Debt (25:56) – Practical Tips to Combat Marketing Influence Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:Website: https://www.johndinsmore.com/ LinkedIn: https://www.linkedin.com/in/johnbdinsmore/ Mentions: https://bestinterest.blog/i-am-weak/ The Marketing of Debt: How They Get You by John B. Dinsmore  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

What happens when raising parents becomes life’s toughest challenge? Brandon Bowen explores the realities of caregiving for aging loved ones, from unexpected expenses and emotional stress to the impact on your own retirement plans. Hear real stories, practical strategies, and why putting your financial mask on first is essential for supporting those you love without sacrificing your future. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Want a free scaling workshop for your business? Schedule a call now to see if you qualify: coltivar.com/schedule-your-call Not sure what your numbers are telling you? Get a free review: coltivar.com/financial-review Most business owners spend thousands on sales and marketing, but few know if it's actually paying off.Steve breaks down how to measure the real return on your sales and marketing spend using three simple checks. He explains how to evaluate the effectiveness of your funnel, calculate your LTGP-to-CAC ratio, and use cash collection formulas to fuel growth without burning through cash. This episode will help you finally connect sales, marketing, and cash flow so you can scale with confidence._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Julie's brand new Big Gorgeous Goals: Official Workbook can be ordered now! Grab your copy.Tracey Lundell shares her journey from banking to entrepreneurship, revealing how she built a wealth management company that breaks industry norms while providing better client service.With 30+ years of expertise in finance strategy, Tracey helps women investors and entrepreneurs navigate the complex world of wealth by building smart future-proof portfolios.Women often face unique challenges when it comes to finance and Tracey, with her tailored strategies that go beyond numbers, works closely with them to help align their investments with their entrepreneurial ambitions, life goals, and family legacies — whether it's women who are newly widowed, divorced, or suddenly in charge of managing an inheritance or severance.Currently a Senior Investment Advisor at Harbourfront Wealth Management, Tracey's approach to investment planning is deeply Canadian — fair, transparent, and sensitive to clients who need an extra layer of attention. She is industry-certified as a Chartered Investment Manager. Tracey is a passionate advocate of empowering women's financial futures and was recognized as one of the Top 50 Leading Women in Wealth in 2023. She has also been a consecutive Excellence Awardee for the Wealth Professional Advisor of the Year (2021-2024). You can connect with Tracey on her website or LinkedIn.Love the show or want to request a topic? Send us a text! (All submissions are anonymous, so if you'd like a reply, please include your email address!)You can connect with Julie on LinkedIn or Instagram. Find Julie's writing at her blog or by ordering her book Big Gorgeous Goals and the brand new official companion workbook! What did you think of this conversation? We'd love if you'd rate or review our show!

Click here to send us a topic idea or question for Weekend Wisdom.How do you manage daily expenses and budgeting when you are a foster or kinship caregiving family? We speak with Nicole Valenzuela, a foster parent and founder of Fostering Finances, to learn about simplified budgeting practices and healthy mindsets for managing money.In this episode, we discuss:What are the financial challenges that foster and kinship families commonly face?How do those challenges differ between kinship caregivers and licensed foster parents?Are there particular challenges for LGBTQ+ and BIPOC foster or kinship families?What about single foster parents or kinship caregivers?What are the day-to-day costs that aren't always covered by stipends or allowances? What hurdles might the informal caregivers face (those not participating in the foster care system while caring for a relative child) in accessing services or support?What financial supports may be available but underutilized by foster and kinship families?What are the Kinship Navigator Programs? How can they help — where are they found, etc.?What are some tax strategies or credits that families caring for foster or kin children may be eligible for?How can caregivers build a small financial buffer for the inevitable emergency that comes with raising kids? What advice do you give around savings or flexibility?Suggestions for simple budgeting or expense-tracking strategies that foster or kinship families might implement right away?What are some low-cost ways for foster parents or grandparents raising grandkids to meet these kids' needs while preserving their dignity?What other effective community-level initiatives or organizations are you aware of that support these families?How can caregivers locate and tap into similar resources in their own communities?How do caregivers decide which financial strategies to focus on first?What practical steps can they take to set in motion a plan to stabilize their household finances over the next 6 months?What are some early small wins that build confidence—say, saving a few dollars a week, or successfully claiming a benefit?What is a scarcity mindset and what are signs that a caregiver might be struggling with scarcity mindset?What are the top three ‘practical financial strategies' you'd want every foster or kinship caregiver to walk away with from today?Finally, what's your best encouragement to caregivers who feel overwhelmed by financial pressures?Support the showPlease leave us a rating or review. This podcast is produced by www.CreatingaFamily.org. We are a national non-profit with the mission to strengthen and inspire adoptive, foster & kinship parents and the professionals who support them.Creating a Family brings you the following trauma-informed, expert-based content: Weekly podcasts Weekly articles/blog posts Resource pages on all aspects of family building

On this episode of Chit Chat Stocks, we speak with recurring guest and Big Tech expert Rihard Jarc on the race in artificial intelligence (AI). We discuss:(00:00) Introduction(02:00) Amazon's AI Strategy and Anthropic Relationship(10:14) Google's Competitive Edge in AI(19:26) Meta's AI Monetization Strategies(28:24) Microsoft's Azure and AI Workloads(32:10) Understanding Neo Clouds and Their Impact(36:01) Nvidia's Strategic Moves and Circular Accounting(40:12) The Depreciation Dilemma of GPUs(52:19) OpenAI's Future and Financial Strategies(57:56) Predictions for AI Leaders by 2030UNCOVER ALPHA: https://www.uncoveralpha.com/*****************************************************JOIN OUR EMAIL NEWSLETTER AND CHAT COMMUNITY: https://chitchatstocks.substack.com/ *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: https://www.interactivebrokers.com/ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat *********************************************************************Portseido is your best portfolio tracking & reporting solution that helps you track all investments in one place. We personally use the software to track our portfolio returns across brokerage accounts.Try it for free today: https://portseido.com/?fpr=ryan63 *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.

Let's talk about the thing no one wants to admit: debt.

Is your 401(k) really a retirement plan—or just a pile of money waiting for a strategy? Damon Roberts and Matt Deaton break down the moves that can wreck your financial future, from relying too heavily on headlines to ignoring the real costs of retirement. Discover why saving, planning, and controlling your emotions matter more than ever for lasting success in the new retirement. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode of the Soil Sisters Podcast, gain insights into Texas' first resilient farm plan (aka carbon farm plan) with Matt Simon, the farm director at the Refugee Collective Farm in Elgin, Texas. Matt shares the origins of the Refugee Collective, a nonprofit supporting refugee livelihoods through sustainable farming and textile production. He explains the unique features of their 20-acre certified organic farm, which is part of a broader conservation effort. Dig into their resilient farm plan, the use of chickens in cropping systems, large-scale composting methods, and strategies for securing funding for regenerative agricultural projects. The episode also highlights community involvement and the necessity of policy support in advancing regenerative farming practices. Tune in for an enlightening discussion on the future of farming and how regenerative efforts can benefit both the environment and local communities.Sign Up Here to Attend Either of These Upcoming Resilient Farm Events (free of charge):FREE Resilient Farm Webinar on October 28, 20256:30p-7:30p Central TimeFREE Resilient Farm Field Day on November 8, 2025. At Refugee Collective Farm in Elgin, Texas.8:45am (registration) 9am - 3pm (Farm Day)Includes LunchTime Stamps & Links00:00 Welcome to Soil Sisters Podcast00:36 Introducing Matt Simon and the Refugee Collective Farm01:49 The Mission and Operations of the Refugee Collective Farm03:32 Community Supported Agriculture and Refugee Food Access05:07 Cultural Foods and Value-Added Products07:51 Resilient Farm Planning and Carbon Sequestration13:39 Challenges and Benefits of Carbon Farm Planning20:38 Soil Testing and Organic Matter25:38 Organic vs Regenerative Farming Practices34:02 Organic Farming and Tillage Practices35:23 Introduction to No-Till Farming39:01 Composting Techniques and Challenges45:45 Funding and Financial Strategies for Regenerative Farming51:04 Community and Policy Support for Sustainable Agriculture55:15 Upcoming Events and Final Thoughts  JOIN TX Soil Sisters ON NOVEMBER 8 in STONEWALL, TX for the 'SOIL REVIVAL SOCIAL & BBQ' at WINDY BAR RANCH in support of youth and community "Hands in the Dirt" regenerative soil education programs! Schedule of Events:-3PM- Farmer Meet & Mingle with Downland-3:45PM- Show & Tell: Firehawk Bioherbicide Demo + Akala ‘Miracle 6' Hemp-Based Fire Retardant Demo-4:30PM- Q&A w/ Dr. Ken Mix - Prof. of Soil & Crop Science at TX State Univ. & Director of Small Producers Initiative (This will be a Soil Sisters Podcast recording.)-5:45PM Windy Bar (regeneratively-raised, award-winning) Beef BBQ Is Served - Pre-Purchase Your Food Tix Here - all funds raised support our "Hands in the Dirt" school and community programs.-6PM Dinner, Music & Mingling-7PM Silent Auction Ends (100% of funds raised support our "Hands in the Dirt" program in TX schools and communities)

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Think you’ve got Medicare figured out? Think again. In this episode, Scott Kirchner unpacks the often-overlooked complexities of Medicare that trip up even the most prepared seniors. From enrollment periods and the differences between Medicare parts to the hidden costs of late enrollment, Scott clears the fog around this essential topic. He also dives into lesser-known considerations, like how HSAs and VA benefits can impact your Medicare decisions. The episode wraps with details on an upcoming educational workshop designed to help listeners stay informed about the latest Medicare updates and make more confident choices. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

In this episode of Beer & Money, Ryan Burklo discusses the critical aspects of retirement planning, emphasizing the importance of understanding income risks and market volatility. He explores strategies for managing retirement funds, including the necessity of having a diversified approach with different buckets of money to ensure financial stability throughout retirement. The conversation also delves into the real risks of outliving one's money and presents alternative strategies to mitigate these risks, ultimately guiding listeners on how to effectively plan for their financial future. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #retirementplanning #incomerisks #financialstrategies #marketvolatility #retirementincome #financialplanning #investmentstrategies #retirementsavings #outlivingmoney #retirementstrategies   Takeaways Retirement planning should start early, even years before retirement. Understanding the risks associated with retirement income is crucial. Market volatility can significantly impact retirement savings. Having a diversified portfolio can help manage risks in retirement. It's important to consider taxes and fees in retirement planning. Creating a liquid fund can provide financial security during market downturns. Using Monte Carlo simulations can help assess the risk of outliving your money. A guaranteed income stream can alleviate financial stress in retirement. Legacy planning should be part of retirement strategies. Different buckets of money can provide flexibility and security in retirement. Chapters 00:00 The Reality of Retirement Planning 01:29 Understanding Retirement Income Risks 07:47 Strategies for Managing Market Volatility 08:14 Analyzing the Real Risks of Outliving Your Money 15:48 Alternative Strategies for Retirement Income 20:22 Key Takeaways for Effective Financial Planning

Not sure what your numbers are telling you? Get a free review: coltivar.com/financial-review Every business has a strategy, even if it's not written down.The real question is whether yours is working. In this episode, Steve explains what strategy actually is, why every company needs one, and how to identify the strategic problem that's holding your business back. He shares a simple framework for making better decisions, keeping your customer at the center, and connecting strategy to financial results so your growth actually pays off. If you've ever wondered whether you need a strategy, this episode will give you the answer._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

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

In this episode, Loral Langemeier joins John Casmon to share her most powerful wealth building strategies and lessons from a remarkable career that began on a Nebraska farm and led to becoming “The Millionaire Maker.” From working with Bob Proctor and the Rich Dad Poor Dad team to authoring six bestselling books, Loral explains how mentorship, sequencing, and mindset create sustainable wealth.Through real stories, she breaks down the myths that keep people stuck, including the false belief that you must be debt-free before you can grow. Instead, she explains why doing the right thing at the right time and surrounding yourself with the right mentors can fast-track results.Whether you're transitioning from a 9-to-5, investing in real estate, or starting your first business, this conversation is packed with actionable wealth building strategies that help you think, act, and build like a millionaire.Loral's Takeaways:Loral Langemeier's Background and Early Career (00:00)Transition to Real Estate and Becoming a Millionaire Maker (02:39)The Importance of Mentorship and Team Building (11:06)Sequencing and Financial Strategy (17:35)Overcoming Challenges and Achieving Success (30:27)Connect with John Casmon:https://casmoncapital.com/https://www.linkedin.com/in/multifamily-apartments-john-casmon/https://www.instagram.com/jcasmon/?hl=enMeet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment. Links and Resources:Ask Loral App: https://apple.co/3eIgGcXLoral on Facebook: https://www.facebook.com/askloral/Loral on YouTube: https://www.youtube.com/user/lorallive/videosLoral on LinkedIn:

Summary: In this episode of the Retirement Lifestyle Show, Adrian Nicholson discusses essential strategies for reflecting on the past year and preparing for the upcoming one. He emphasizes the importance of evaluating personal goals, embracing change, and adapting to life's inevitable shifts. The conversation also covers financial strategies, including portfolio management, tax planning, and the significance of maintaining an emergency fund. Listeners are encouraged to take proactive steps to ensure a successful transition into the new year.Keywords: retirement, financial planning, goal setting, change management, tax strategies, portfolio management, emergency savings, lifestyle planningChapters00:00 Reflect and Reset: Preparing for the New Year03:21 Embracing Change: Adapting to Life's Shifts05:42 End of Year Financial Strategies: Tax Planning and Portfolio Management09:55 Final Preparations: Updating Documents and Emergency FundsFollow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.comhttps://www.youtube.com/@retirementlifestyleshow https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanlounganihttps://www.facebook.com/retirewithroshanhttps://www.linkedin.com/in/adrian-nicholson-74b82b13b  All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Jesse goes solo for a deep dive into the vital yet often overlooked world of special needs financial planning. He opens with a personal story about his daughter's illness—an experience that deepened his empathy for parents whose caregiving journeys never pause—and uses it to frame the emotional and financial realities families face when raising a child with disabilities. From there, he explores how special needs planning extends beyond traditional wealth management, requiring families to think in decades, not years, while balancing their own retirement goals with lifelong care needs. Jesse breaks down key tools such as special needs trusts, ABLE accounts, and government programs like SSI and Medicaid, explaining how they work together to preserve benefits and provide sustainable support. He also examines the potential role of permanent life insurance as a funding mechanism for long-term care, the legal importance of guardianship and trusteeship, and the wisdom of separating caregiving and financial responsibilities to prevent burnout. Throughout, Jesse underscores the need for community resources, professional guidance, and self-care—reminding listeners that special needs planning isn't just about money, but about love, security, and building a future where every member of the family can thrive. Key Takeaways:• Raising a child with special needs requires planning for both the parents' and the child's lifetimes—often extending decades beyond traditional financial horizons. • Special needs families face higher ongoing costs, from medical treatments and therapies to adaptive equipment and in-home care. • Core financial fundamentals—emergency savings, retirement planning, tax strategy, and estate planning—remain essential but must be adapted for special needs circumstances. • Nonprofits, community organizations, and local programs can offer both financial aid and emotional support for families. • Professional guidance from fiduciary planners and special needs attorneys can help families integrate benefits, trusts, and insurance effectively. • Above all, special needs planning is about more than money—it's about love, security, and ensuring a dignified, supported life for every family member. Key Timestamps:(00:00) – Deep Dive: Special Needs Planning (08:12) – Unique Financial Challenges of Special Needs Families (15:56) – Special Needs Trusts: Protecting Your Child's Future (19:36) – Introduction to ABLE Accounts (23:59) – Life Insurance for Special Needs Families (28:37) – Guardianship and Legal Planning (33:45) – Community and Professional Resources Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

- Announcement of the AI Model Release (0:10) - Development and Training of the AI Model (3:08) - Details on Downloading and Using the AI Model (6:29) - Features and Capabilities of the AI Model (34:46) - Potential Impact and Future Developments (35:05) - Special Report on the Tennessee Munitions Plant Explosion (56:31) - China's Ban on Rare Earth Mineral Exports (1:04:46) - Preparation for Potential Conflicts and Financial Chaos (1:13:39) - Interview with John Jay Singleton on Crypto Taxation (1:15:50) - Unrealized Gains and Tax Implications (1:20:46) - Challenges with AI and Legal Advice (1:23:08) - Crypto Taxation and IRS Policing (1:25:01) - Legal Strategies for Crypto Taxation (1:27:09) - Structuring Financial Risk and Tax Avoidance (1:31:27) - Family Court and Financial Risk (1:59:32) - The Role of AI in Legal and Financial Strategies (2:07:29) - The Future of Crypto and Financial Systems (2:07:42) - The Importance of Legal Education and Self-Reliance (2:17:47) - The Role of Unas in Financial Planning (2:19:38) - Gold and Silver Price Trends (2:27:02) - Battalion Metals and Gold Backs (2:28:46) - Gold Backs and Legal Tender Recognition (2:30:01) - Financial Advice and Historical Context (2:33:59) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com