Podcasts about financially

SNAKE CATCHER SURVIVES EASTERN BROWN BITE Colleague Jeremy Zakis. The risks of the Australiansummer are highlighted by the ironic near-death experience of Michaela, a professional snake catcher who was bitten by a deadly Eastern Brown snake while off-duty and barefoot in her own garden. Although her organs began to shut down from the venom, she received antivenom within the crucial "golden hour" and is expected to survive and return to work. This incident underscores the "macho" culture among snake catchers, who often wear flip-flops and shorts as a "badge of honor," believing their understanding of the environment is sufficient protection. However, there are physical limits to this career; medical wisdom suggests a human body usually cannot withstand more than three bites from a brown snake, often forcing professionals to move into administrative roles to avoid a fatal fourth strike. Financially, a standard house call for snake removal costs approximately $120, though insurance policies generally do not cover snake-related issues. NUMBER 2

Welcome back to Not A Bomb! —the podcast where we resurrect cinema's most infamous box office disasters and ask the burning question: was it really that bad? We're celebrating five years of cinematic redemption.For the month of January, Not A Bomb asks a very important cinematic question: what happens when actors decide that being in front of the camera just isn't enough and take a shot at directing themselves? Troy and Brad are “kicking” things off with The Quest, the 1996 martial‑arts adventure film both directed by — and starring — the Muscles from Brussels himself, Jean‑Claude Van Damme.Upon release, The Quest didn't exactly spin‑kick its way into critics' hearts. Reviews were mixed at best, with many calling it a reheated blend of better tournament movies and a vanity project that proved JCVD might be more comfortable throwing roundhouses than calling “action.” Financially, the film limped across the finish line, earning modest box office returns that fell far short of Van Damme's earlier hits. In short: not a total disaster, but definitely not the triumphant directorial debut he probably envisioned.One part Bloodsport, one part Street Fighter, one part Enter the Dragon, and all parts dumb, The Quest might be the perfect argument for actors to stay in their lanes. But hey — it does feature plenty of sweaty, oily dudes kicking each other in the face. Is that enough to win Troy and Brad over?Only one way to find out — listen now!The Quest is directed by Jean-Claude Van Damme and stars Jean-Claude Van Damme, Roger Moore, James Remar, Janet Gunn, Jack McGee, Aki Aleong, and Louis Mandylor. Want to help support the show? Head over to the Not A Bomb Tee Public store and check our merchandise. Special thanks to Ted Blair for the amazing designs!We're committed to hearing your feedback and suggestions. If there's a cinematic flop you'd like us to delve into, please reach out to us at NotABombPod@gmail.com or through our contact page. Your reviews and feedback are what drive us. If you enjoy our content, consider leaving a review on Apple Podcast or Spotify.Cast: Brad, Troy

Send us a textIf your finances feel more like a junk drawer than neatly folded laundry, this episode is for you. Tom and We kick off a five-part series by focusing on Step 1: getting financially organized so you can reduce stress, decision fatigue, and the “head-in-the-sand” feeling. You'll hear a simple way to build a snapshot of your money—assets, debts, protection items, and cash flow—plus ideas for storing everything in one secure, easy-to-find place. Check the show notes for a downloadable checklist to help you gather the key documents and start building your system.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm sharing with you the first step you must take on the road to getting financially stronger this year: getting enough money in savings for emergencies and planned expenses.

This Day in Maine for Tuesday, January 6, 2026.

Affordability, inflation, tariffs, jobs -- where does the economy stand now that we're officially in the new year? On Point's “money ladies,” Rana Foroohar and Michelle Singletary, are back to help us sort it out. *** Thank you for listening. Help power On Point by making a donation here: www.wbur.org/giveonpoint

For many people, retirement feels less like a reward and more like a financial cliff. In this episode, we break down seven key factors that lead to a more financially stable retirement. You'll learn how small, practical decisions can add up to lasting stability, no matter how markets or headlines behave. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

We work hard to build wealth, but are you taking the time to actually protect it? Yes, you have insurance and have established an LLC, but that doesn't mean you're covered.In today's episode, expert Gary Harker of Legally Mine shares three simple asset protection moves you can make right now to protect your money, lower your risk, and stop bleeding money in taxes. You'll get ideas for building wealth for your kids and simple ways to get proactive so you can keep more of what you earn!Topics discussed:The truth about lawsuits in dentistryThe biggest misconceptions about insurance and LLCsHow to separate your business and personal assetsThree simple asset protection moves you can do right nowThe importance of trusts and estate plansStrategies to reduce your tax burden and protect your wealthThe surprising reason you shouldn't hire a dental CPAHow to start the process and talk to your CPASET UP A CONSULTATION WITH GARY @ LEGALLY MINE CLICK HERE-------------------------------------------------------------------This episode was produced by Podcast Boutique https://www.podcastboutique.com  SET UP A CONSULTATION WITH GARY @ LEGALLY MINE CLICK HERE  Get Free DPH Trainings,  Download the App and Join our Community!  CLICK HERETake Control of Your Practice and Your Life We help dentists take more time off while making more money through systematization, team empowerment, and creating leadership teams. Ready to build a practice that works for you? Visit www.DentalPracticeHeroes.com to learn more.

What if getting hacked isn't a question of if, but when? In this episode, Tommy Blackburn and John Mason break down the real-world cybersecurity risks they're seeing—not in theory, but from personal experience. After being compromised multiple times in a single year, John shares why even people with strong security habits can still be targeted, as well as what that means for retirees, business owners, and anyone managing meaningful assets. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you: How to Get Financially Stronger in 2026 – A Step By Step Guide  I'll talk about a step-by step guide to help you focus on the RIGHT things to improve your financial health in 2026.

This Money Diary starts at the exact moment you realise… okay, I can’t keep doing money like this. Our diarist had spent a few years doing exactly what she wanted to do. Enjoying life, making memories, prioritising experiences. And then came the realisation that while she didn’t regret any of it, she needed a different plan going forward. In this episode, she walks through the exact things that helped her go from avoiding her finances to feeling genuinely confident with them. The systems she uses to stay on top of her money without obsessing over it. How she learned what actually matters to focus on (and what really doesn’t). And the mindset shift that stopped money feeling like this looming, stressful thing in the background of her life. A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here. We have a long sttanding referal patnership with Skye Wealth and only ever partner with people we trust. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

You're not a charity. You're not your client's financial rescue plan. And you're definitely not in business to burn out.In this episode of the Interior Design Business Podcast, I'm diving into Part 4 of my Financially Sustainable Design Business series—and this one is all about the energetic side of money. Because here's the truth: the mindset and beliefs you hold about money can block profitability faster than any pricing mistake.I'm sharing how to stop subconsciously repelling money, why over-giving leads to resentment and burnout, and how to shift into a healthy “giving + receiving” loop that creates consistent income. Plus, I'll walk you through the practical side of sustainability: setting income targets, reviewing every job like a scorecard, and tracking the KPI that truly matters—job profitability.If you want a business that's profitable year after year (without hustle), this episode is your wake-up call.In this episode, I cover:Why your money mindset impacts your ability to be financially sustainableThe difference between welcoming money and repelling moneyHow “client-first” thinking can quietly turn your business into a charityWhy burnout and resentment are the warning signs of underchargingThe infinity loop of giving and receiving—and why you must allow bothHow to track income daily to grow your revenue consistentlyHow to set annual + monthly gross income goals that actually workWhat job profitability is (and why it's your most important KPI)The profit margin targets you should aim for in furniture and remodeling projectsShow notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy

Freedom gets a lot easier when your systems work harder than you do.   In this episode of Sharkpreneur, Seth Greene interviews Daniel Alonzo, Wealth Coach, who unpacks the mindset and mechanics of true financial freedom. Financially independent by 28, Daniel scaled to 1,500+ agents across 60 offices and hosts the Wealth on the Beach podcast. He breaks down scaling via leadership, content consistency, and modern messaging that attracts the next generation while building durable passive income.   Key Takeaways: → Why entrepreneurs must replace their limiting beliefs with decisive action. → How achieving true financial freedom requires both passive income and strong cash reserves. → Building leaders who can operate independently allows a business to scale faster than any individual effort ever could. → Why documenting systems, training materials, and repeatable processes leads to sustainable growth and more free time. → How consistency separate those who get attention from those who fade away.   Daniel Alonzo is a high energy entrepreneur, wealth coach and host of the Wealth on the Beach Podcast, ranked top 100 by million podcasts. He's built one of the largest financial teams in America with over 1,500 licensed agents and 60 offices. He's also the author of 3 books: Wealth on the Beach: 11 Laws to Building Financial Freedom, Wealth on the Beach: For Teens, and his latest, Wealth on the Beach: Why Most Life Insurance is a Scam - And How to Get It Right. Daniel's Mission is to teach people how to build wealth, shift their mindset, and live a life of freedom, choices and options - no fluff, no BS.   Connect With Daniel: Website: https://wealthonthebeach.com/ Instagram: https://www.instagram.com/danielalonzo/ X: https://x.com/DanielAlonzoBL Facebook: https://www.facebook.com/daniel.alonzo.796/ YouTube: https://www.youtube.com/@DanielAlonzo1   Learn more about your ad choices. Visit megaphone.fm/adchoices

Stop Playing Small With Your Money: The Real Reason You're Financially Stuck If you've read all the books, tried every budget app, and still feel like you're spinning your wheels financially - this episode is your wake-up call. In this raw and direct conversation, I'm calling out the elephant in the room: You're not stuck because you lack discipline or don't make enough money. You're stuck because you're trying to figure this out alone with broken tools and bad mentors. I share the powerful story of Mandy, a Cincinnati mom who faced an impossible choice - deciding between her child's emergency medical care and an ER bill. Her transformation inside the Budget Academy didn't just fix her finances; it changed her entire family's future. From negative net worth to mapping out her path to becoming a millionaire in crystal-clear detail. You'll discover: Why following random YouTube advice is like building a house with just a hammer and no blueprint The 5-step framework that turns financial chaos into clarity (belief → identity → environment → systems → results) The REAL mathematical cost of "waiting for the right time" (spoiler: it's 7 figures) How to build an automated financial system that takes just 30 minutes per month Why your scarcity mindset is costing you more than any investment ever could This isn't another "save more, spend less" lecture. This is about building a complete financial operating system that touches every aspect of your money - from debt elimination to wealth building to estate planning. If you're tired of watching from the sidelines while others build wealth, it's time to stop waiting for perfect timing. The cost of inaction is too high, and your future self is counting on you to make the move today. Fair warning: This episode is intentionally direct. Because sometimes you need someone to look you in the eye and tell you the truth about what's really holding you back.

In this episode, we take an honest look at what it really means to be broke—when your essential bills cost more than your income—and the exact steps you can take to regain control of your finances. This video breaks down the practical strategy I would personally follow if I were in that situation and needed to rebuild from the ground up.You'll learn how to create breathing room even when money is extremely tight, how to pay off your smallest debt first for quick momentum, and how to build a small emergency fund that protects you from falling back into the debt cycle. We also walk through how to temporarily cut expenses, sell items to free up cash, reduce bills, and design a short-term survival budget that actually works.This video is designed for anyone trying to get out of debt with limited income, stabilize their finances, or build a stronger foundation for long-term financial success.In this episode, we cover: ✔ What “being broke” actually means when your bills exceed your income ✔ How to create immediate breathing room with no extra cash ✔ Paying off your smallest debt first to rebuild momentum ✔ Selling items or cutting a utility to free up money quickly ✔ Building a starter emergency fund to prevent future setbacks ✔ Using a short-term survival budget to regain control ✔ Reducing expenses, negotiating bills, and lowering financial pressure ✔ Why spending less than you make is the foundation of long-term successIf your financial situation feels overwhelming, this episode will give you a clear and realistic plan to stabilize your budget and start moving forward. These strategies are simple, actionable, and designed for real people facing real financial pressure.Subscribe for more practical financial education, budgeting tips, debt payoff strategies, and long-term personal finance guidance. Your situation can change—one step at a time.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #getoutofdebt #moneytalk #sidehustle #payoffdebt #broketorich #thefinancialmirror #wealthbuilding #financialhealth #buildwealth #emergencyfund #smartmoney

HOW TO PREPARE FINANCIALLY FOR THE UNEXPECTED (WITHOUT OBSESSING) FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Life is unpredictable, but financial planning does not have to be stressful. Learn how to prepare for the unexpected without constant worry. Full Description Unexpected events are a part of life. Job changes, health issues, family needs, and economic shifts can all impact financial stability. While it is impossible to plan for every outcome, being financially prepared can help reduce stress and improve confidence when challenges arise. In this episode of Healthy, Wealthy & Wise, the discussion focuses on how to prepare financially for the unexpected without becoming overwhelmed or overly cautious. The conversation emphasizes balance, showing how thoughtful planning can create flexibility without requiring constant monitoring or fear-driven decisions. Listeners will learn why preparation is about structure rather than prediction. Establishing emergency savings, maintaining appropriate insurance coverage, and understanding cash flow are foundational steps that help absorb life's surprises. This episode also explores how over-preparing can be just as harmful as under-preparing, particularly when excessive conservatism limits long-term growth or opportunity. The discussion highlights the importance of clarity. Knowing what resources are available and how they fit into an overall financial plan allows individuals to respond thoughtfully rather than react emotionally. Preparation does not mean obsessing over worst-case scenarios. It means building a plan that can adapt as circumstances change. Rather than offering quick fixes or rigid rules, this episode encourages a calm, intentional approach to financial readiness. When preparation is aligned with goals and values, it becomes a source of confidence rather than anxiety. At BWFA, we help clients design financial plans that are resilient, flexible, and realistic. Preparing for the unexpected is not about fear. It is about creating a plan that supports you through whatever life brings. To learn more about building a flexible financial plan, visit BWFA's Financial Planning Services.

High-income dentists are some of the best producers on the planet… but many are still financially fragile. One injury, one unexpected life event, one production dip—and the whole system starts to wobble. In this episode of Dentistry on Fire, I sit down with my friend Michael G. Isom (founder of Vault A.S. and co-author of What Would the Rockefellers Do?) to unpack the biggest money mistakes high earners make—and the systems that create real certainty. We talk about why “more income” doesn't automatically equal financial freedom, how your identity can get dangerously tied to production, and why that creates stress at home and in the practice. Then we break down the concept of being your own bank—a strategy focused on liquidity, protection, and control using cash value mechanics—so you're not dependent on a traditional bank when life happens. If you're a dentist who wants peace of mind, better decision-making, and a path to legacy, this episode will change how you see money. Why high-income earners can still be one setback away from crisisThe “money lie” that keeps dentists trapped in stress and overworkHow production swings can create an emotional roller coaster at homeWhat “be your own bank” actually means in simple termsCash value basics (explained in plain English) and why liquidity mattersHow policy loans work (and how they differ from bank loans)The protection/asset-defense angle most dentists never considerHow to build certainty so you can lead better—and live better 00:00 Intro: High-income dentists, fragile finances00:02 The biggest money lie high earners believe00:03 Michael's rock-bottom story + turning point00:13 Money pressure, identity, and leadership00:23 Shiny-object spending + boredom in practice00:30 Vision, purpose, and staying focused00:35 Production swings → stress at home00:41 What “Be Your Own Bank” means00:48 Cash value explained simply00:49 How policy loans work (vs banks)00:56 Real examples: using liquidity strategically01:01 One action to take this week + resources01:03 Best way to contact Michael01:04 Closing + legacy mindset #Dentistry #DentalPractice #FinancialFreedom #InfiniteBanking #WealthStrategy

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you thinking about expanding your agency through acquisitions? Buying another firm can be one of the fastest ways to scale, but only if you choose the right partners and nail the cultural fit. Otherwise, growth can quickly turn into chaos. Today's featured guest has been through five acquisitions, each one teaching her a different (and sometimes painful) lesson about what truly makes a merger succeed. In this episode, she opens up about her biggest acquisition missteps, the cultural mismatches that nearly derailed integrations, forecasting errors she didn't see coming, and the identity challenges that arise when two teams collide. Kimberly Eberl is the Founder and CEO of The Motion Agency, a full service marketing and communications shop with offices in Chicago, Cincinnati, and Nashville. While the agency offers everything from creative to content, it is unusually strong in public relations with roughly 20 PR pros on staff. Kimberly has completed five acquisitions, navigated the cultural and financial highs and lows of M&A, and grown Motion into one of the most respected independent agencies in the Chicago market. In this episode, we'll discuss: When acquisitions help agencies scale—and when they backfire. Lessons learned from five agency acquisitions. Why agency owners often misjudge valuation and earnouts. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Fired Account Director to Agency Founder Kimberly jokes that she is one of those founders who got fired into entrepreneurship. At her previous agency, the account director role was undefined and impossible to succeed in. The revolving door should have been a clue. She lasted a year before being let go and scrambling to figure out her next move. With no grand plan, she fell into freelancing in 2006. The economy was healthy. The demand came fast. And pretty quickly she reached that moment every accidental agency owner hits. Either say no to work or hire help. She chose to hire. That early decision set the tone for the next decade. Instead of trying to do it all herself, she leaned into building a team and letting the business grow past her personal capacity. Outgrowing a Single-Service Model: Moving Beyond One Specialty Kimberly started as a PR pro. That focus worked for a while, but eventually she noticed how much money she was leaving on the table. Clients wanted websites, creative, content, and she was constantly referring the work away. The big shift happened when she decided to expand beyond PR and bring more capabilities in-house. This meant hiring outside her comfort zone and learning how to oversee work she could not personally do. That decision opened the door to real growth. Many agency owners get stuck right there. They stay in their one specialty because it is safe. Kimberly pushed through that discomfort and built a service mix clients actually wanted. The Reality of Acquiring Another Agency: Lessons from 5 Acquisitions Kimberly opted to add these new services through acquisitions. So far, she has completed five and every one had a different lesson. Her first major acquisition was bold. She bought an agency twice the size of her own. Financially and emotionally, it was a lot. Looking back, she admits she may not do a deal that large again, especially in a specialty she did not personally understand. But she also learned that size does not determine complexity. A one-person agency with contractors had just as many integration headaches as a larger shop. What mattered most was agency culture. Some deals looked perfect on paper but fell apart because the values, expectations, and behaviors did not align. One deal in particular was financially great and culturally awful. She kept one client from that acquisition. Another deal was financially terrible but culturally perfect. Years later, most of those staff members are still with her. Her biggest warning: never ignore cultural red flags during the courting phase. Take time to hang out with the sellers, how they operate, and experience their company's culture. Go to dinner, Travel together. You'll notice small behaviors (snapping over minor problems, chronic lateness, lack of transparency) that won't disappear after the contract is signed. Valuation Mistakes That Kill Good Deals Kimberly also dove into how she approaches valuations and why so many sellers get this part wrong. She focuses on future performance, realistic forecasts, and removing costs that will not continue after the sale. She also pushes back on inflated projections. If an owner claims revenue will double, the earnout should reflect that. Big promises are fine, but they should come with big accountability. One agency she walked away from wanted a valuation equal to twice their gross revenue. They were using cash-based accounting and ignoring profitability. It was an immediate red flag. Kimberly's advice to owners is simple. Build a business that is sellable even if you never plan to sell. Get your financials clean. Use accrual accounting. And be realistic about your numbers. Leadership, Loyalty, and the Hardest Skill — Letting Go As the agency scaled, leadership challenges became just as complex as financial ones. Kimberly admits she is confused about why she is the largest woman-owned agency in Chicago at only seventy people. She is proud of the title, but she wonders why more women are not reaching similar scale. There are no differences in capability, but many female founders still hit a ceiling often tied to loyalty, delegation, or difficulty letting people go. Some owners, especially women, treat their team like family and struggle to make hard decisions around performance. She admitted she has been loyal to a fault at times and is working on finding a healthy balance. Agencies function more like all star sports teams. The roster changes every year. People get promoted, moved, or sometimes released. That does not mean you failed. It means you are adapting so the team as a whole can win. Kimberly is even working on building hobbies outside her agency because she noticed how much of her identity was tied to work. It is a relatable struggle for founders who have poured years into their companies. AI Changes the Work, Not the Need for Agencies Let's be clear, agencies are not going away because of AI. Kimberly certainly doesn't believe that. She treats AI like an intern. Helpful. Fast. But still needing quality control, creativity, and leadership. Clients still want real relationships. They want someone who understands context and nuance. Agencies serving tech-savvy individuals will feel churn from AI, but agencies serving plumbers, service-based businesses, and non marketers will be fine. These clients want to stay in their lane and hire experts for everything else. Marketing evolves, but agencies survive because the business model adapts. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

You're not a furniture store. You're not a contractor's free assistant. And you're definitely not a charity.In this episode of the Interior Design Business Podcast, I'm diving into Part 3 of our financially sustainable design business series. This time, we're getting crystal clear about what you really sell, your design time. Discover the one metric that will transform your business, why chasing product sales is a trap, and how to set up your LOAs to finally get paid what you're worth.Let's talk about the true key to a million-dollar design business: consistently selling 20 hours of design time per week.In this episode, I cover:Why product sales are not the path to profitabilityHow to structure your design process (and LOA) for clarity and confidenceThe 20-hour weekly design time goal that builds 7-figure businessesWhy fee-based pricing beats hourly billingHow to handle add-ons, scope creep, and client changes without losing moneyShow notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy

Are you one of the 64% of Americans wandering through their financial life without a plan? We walk through each step of the Financial Order of Operations and reveal where the average American stands with some truly shocking statistics. From the 54% who can't cover three months of expenses to the 46% carrying high-interest debt, the numbers paint a concerning picture. The good news? Building wealth doesn't have to be complicated when you follow a system to build your army of dollar bills. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Ask Farnoosh tackles three timeless money crossroads: getting out from under high-interest credit card debt, taking a career break without losing financial footing, and deciding whether an early retirement package is a smart (and safe) next move. Questions Include: How to manage credit card debt at 30% interest? Consolidation options, reputable nonprofit credit counseling, negotiating APR, and a realistic payoff plan Burnt out breadwinner considering a 6-month break? Exploring a “middle path” (sabbatical/reduced hours), runway math, and navigating the fear of financial dependence Take an early retirement package? Evaluating the offer, retirement readiness checks, when to consult a planner, and why buyouts can signal future layoffs Hosted on Acast. See acast.com/privacy for more information.

✨ Do you feel financially stuck? Now is the time to clean up your financial past… while living in the present… and preparing for an abundant, joy-filled future. ✨Here's to healing the past, enjoying the now, and building a beautiful tomorrow.

Welcome back to the Building Your Money Machine Show! In today's episode, I get real about one of the most important roles we play—not just as wealth builders, entrepreneurs, or money mentors, but as parents and role models for the next generation. If you don't teach your kids about money, social media (hello, TikTok) will do it for you—and trust me, you won't like those lessons. Instead of “spend now, regret later,” let's raise kids who are independent, generous, financially confident, and prepared for life.I share the rituals and conversations I used with my own son—from the age of five and a half—so you can begin planting those seeds of abundance in your home. I'll show you how this approach builds not just financial literacy, but resilience, character, patience, generosity, and ownership.Whether you're a parent, grandparent, or soon-to-be one, this episode will give you both the mindset and the practical steps to start these conversations tonight.IN TODAY'S EPISODE, I DISCUSS:Why the 1% give their children systems, not handouts.The Four Bucket Blueprint: Save, Give, Live, and InvestReal examples of teaching kids work ethic, value creation, generosity, priorities, and ownership.How to set tangible incentives.Ideas for making giving meaningful and personal, from packing meal baskets to picking causes.Strategies for transitioning from jars and envelopes to real bank and brokerage accounts as your children grow.The difference between passing on assets and passing on skill setsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Brutal Truth About Money Management No One Wants to HearYour Wealth Can Explode to $5M… But Only If You Avoid These Traps!Shocking Money Stats of The Average American8 Things You Must Do Before 2026 (Financially)The Smartest Order to Invest Your Money (Step-by-Step)RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Brutal Truth About Money Management No One Wants to Hear: https://youtu.be/prZWSsf8aasYour Wealth Can Explode to $5M… But Only If You Avoid These Traps!: https://youtu.be/86UuNod1KEcShocking Money Stats of The Average American: https://youtu.be/Li3ZnPmG9Zs8 Things You Must Do Before 2026 (Financially): https://youtu.be/j-7fYxip5g8ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Guillermo del Toro has yet to find any boundaries when it comes to intimacy within a story or the scope of its telling. He uses genre like a stained palette, leaving residue of fusions and clear-cut influences.So it makes sense that his debut, CRONOS, is no different. Del Toro reinvents the vampire using alchemy, entomology, Gothic principles, the mixture of Medevial and Renaissance periods. But anchoring this smattering of ideas is the simplest one: the unconditional love between a grandfather and granddaughter.Jesus Gris (Federico Luppi) is a Mexican antique shop owner raising his granddaughter Aurora (Tamara Xanath). One day, they discover a golden egg-shaped device hidden in one of the shop's archangel statues. After fumbling with the device's dial, Jesus is wounded when the Cronos machine pops out sharp, insect-like legs and latches itself into his hand, Facehugger-style. What starts as mere accident lingers in Jesus' mind as he finds himself not only drawn to the device but also its method of doling out pain. The more Jesus uses the Cronos device, the more vivacious and young he feels. But this newfound rejuvenation comes with an aching appetite for flesh, for blood.CRONOS introduces many of the subjects found throughout Del Toro's 30+ year career: death, fatherhood, the clash between an archaic past and promising future, Ron Perlman. It sometimes feels as though the movie is incapable of holding all the thought that went into its world's development but that's part of what I enjoy about Del Toro. His movies are never complete after first viewing. In a way, they're the amuse bouche to the boundless mind that hides beneath, a mere foyer to a curious mansion.---Please rate and review The Movies wherever you listen to podcasts!Financially support the show using the tip jar.Follow The Movies on Instagram & Letterboxd

Join castle club for extra content and zoom calls with the guys: https://freshandfit.locals.comTHE OFFICIAL FreshandFit DISCORD: https://discord.gg/freshandfit⏲️ TIME STAMPS ⏲️0:00 : Preview…7:30 : Show begins

Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, how much is enough for retirement and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode:  https://bit.ly/ymyw-561 (full show notes & episode transcript) DOWNLOAD The Going Solo Guide for free WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH) 08:41 - Navigating Finances When Separating from Your Spouse (Sebastian, VA) 15:13 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free 15:42 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO) 28:31 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet) 38:50 - Calculate your free Financial Blueprint 39:20 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR) 51:00 - YMYW Podcast Outro

Welcome back to the Building Your Money Machine Show! In this episode, I'm pulling back the curtain on the brutal truths about money management that absolutely no one wants to hear—but everyone needs to know. It's time to challenge the common beliefs that keep so many of us stuck, and replace them with real strategies for building true financial freedom.I see it all the time—people thinking that making more money, working harder, or just waiting for the “right time” will solve their problems. The truth? Most people don't have an income problem. They have a behavior, decision, and strategy problem. After years navigating my own financial ups and downs, I've learned the painful lessons so you don't have to.Today, I walk you through the nine brutal truths about money management—truths that challenge everything you've ever been taught. Plus, I'll give you a simple, actionable five-step money reset plan that you can start today to take charge of your financial life. Whether you're making $40K or $400K a year, the principles I share in this episode will help you move from paycheck-to-paycheck panic to living a life of choice and intention.IN TODAY'S EPISODE, I DISCUSS:Why making more money isn't the answerHow lifestyle creep sabotages even high earnersThe myth that you can “out-earn” bad money habitsThe danger of having no plan for your moneyThe reality that not investing is actually far riskier than investingHow systems and automation build sustainable wealthThe hard truth: Your financial future is a do-it-yourself projectRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Your Wealth Can Explode to $5M… But Only If You Avoid These Traps!Shocking Money Stats of The Average American8 Things You Must Do Before 2026 (Financially)The Smartest Order to Invest Your Money (Step-by-Step)It Sucks, But It'll Skyrocket Your Net WorthRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Your Wealth Can Explode to $5M… But Only If You Avoid These Traps!: https://youtu.be/86UuNod1KEcShocking Money Stats of The Average American: https://youtu.be/Li3ZnPmG9Zs8 Things You Must Do Before 2026 (Financially): https://youtu.be/j-7fYxip5g8The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

You did everything right. Top of your class. Trusted by clients. Respected by colleagues. Financially secure. Why does Sunday night feel like a prison sentence?In this episode, Gary Miles names a reality most highly successful lawyers quietly live with, but rarely talk about: the moment when professional success stops feeling liberating and starts feeling suffocating. Gary explains how excellence itself can become a cage, and why this isn't a time management problem, a discipline issue, or a lack of gratitude. Listen for the three pillars of success-induced imprisonment and how shifting from external to internal authority changes everything.Get the Values Alignment Guide ⁠⁠⁠⁠⁠⁠https://upbeat-trailblazer-9238.kit.com/1604bbf4cb⁠⁠⁠⁠⁠⁠Take the Free Lawyer Assessment garymiles.net/the-free-lawyer-assessment Learn more about Breaking Free or order your copy ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.garymiles.net/break-free⁠⁠⁠⁠⁠⁠⁠⁠⁠Schedule a complimentary discovery call: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://calendly.com/garymiles-successcoach/one-one-discovery-call⁠⁠⁠⁠ ⁠⁠⁠⁠

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

Friday, December 22nd, 2023 Right after Judge Beryl Howell ordered the immediate enforcement of the $148M verdict against Giuliani, he filed for Chapter 11 bankruptcy in the Southern District of New York; Jack Smith has filed a response in the Trump immunity battle with SCOTUS; the Colorado Supreme Court justices face a flood of threats after ruling to remove Trump from the state primary ballot; a new lawsuit says Georgia's lt. gov should be disqualified for acting as a Trump elector; 16 states beyond Colorado have open legal challenges to Trump's eligibility for office; the NRA has hit rock bottom. Plus Allison and Dana deliver your good news. Our GuestJohn Fugelsanghttps://www.johnfugelsang.com/tmehttps://podcasts.apple.com/us/podcast/the-john-fugelsang-podcast/id1464094232 Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many Focus on Earning Money and Living a Financially Driven Life Which Lets Money Become Their “god” MESSAGE SUMMARY: We are so focused on earning money and other financially driven life activities so that it is easy for money and finances to become our god. Making finances “our god” violates the Second Commandment. Jesus is Lord over all Creation, as we are told in Psalms 24:1: “The earth is the LORD's and the fullness thereof, the world and those who dwell therein. For He has founded it upon the seas and established it upon the rivers.”. Therefore, everything that has been entrusted to you is God's. In James 5:1-3, the author of the Book of James provides insight into someone who does NOT make God the Lord of their finances: “Come now, you rich, weep and howl for the miseries that are coming upon you. Your riches have rotted and your garments are moth-eaten. Your gold and silver have corroded, and their corrosion will be evidence against you and will eat your flesh like fire. You have laid up treasure in the last days.”. Therefore, let God Be Lord over your finances, which are, in reality, God's finances.   TODAY'S PRAYER: Lord, everything in me resists following you into the garden of Gethsemane to fall on my face to the ground before you. Grant me the courage to follow you all the way to the cross, whatever that might mean for my life. And then, by your grace, lead me to resurrection life and power. In Jesus' name, amen.   Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 100). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, I will seek God's perspective on my situation. For I know that in all things God works together for good to those of us who love Him and are called according to His purpose. From Romans 8:28 SCRIPTURE REFERENCE (ESV): Psalms 24:1-10; James 5:1-6; Psalms 25:1-22; Psalms 45:1-17. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Why We Do Christmas” at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

You've priced your design work. You've marked up your product. So why does it still feel like you're working for free?In this episode of the Interior Design Business Podcast, I'm diving into Part 2 of our financially sustainable design business series, focusing on boundaries. From endless client emails to last-minute add-ons and ghosting clients who suddenly reappear, this episode will show you exactly how to protect your time, your money, and your sanity with strong, clear boundaries.In this episode, I cover:The biggest time and money leaks in your businessWhy boundaries are essential to long-term profitabilityHow to respond to sneaky scope creepThe “end date” clause every LOA should includeWhat to say when a client ghosts you and comes backShow notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy

Welcome to another episode of the Building Your Money Machine Show! Today, we're getting brutally honest about the biggest reasons most people never hit that coveted million-dollar net worth—even though mathematically, millions of us should get there.In this episode, I unpack the 10 silent wealth traps that slowly steal hundreds of thousands (or even millions) of dollars from ordinary people over a lifetime. These aren't obvious mistakes—these are sneaky, everyday mindsets and decisions that feel normal, but quietly sabotage your financial future. I'm giving you the tough love and transparency you need to see (and avoid) these pitfalls before they derail your journey.Whether you're just starting out in your 20s, juggling life in your 30s and 40s, or feel like you're late to the party in your 50s or 60s, this episode has age-specific strategies to help you escape mediocrity and explode your wealth well into the seven figures and beyond.IN TODAY'S EPISODE, I DISCUSS:The shocking reality that only 10% of Americans hit a million-dollar net worthThe 10 wealth traps destroying your future wealthThe simplicity of a 4- to 5-fund portfolio that anyone can use to consistently build wealthWhy chasing high returns or picking individual stocks is almost always a losing game compared to boring, diversified index fundsAge-specific action steps to accelerate your path to wealthThe “5050 rule” for handling raises, so you celebrate wins now and fund your future at the same timeWhy compounding works slowly at first, then explodesHow to avoid the emotional and behavioral trapsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Shocking Money Stats of The Average American8 Things You Must Do Before 2026 (Financially)The Smartest Order to Invest Your Money (Step-by-Step)It Sucks, But It'll Skyrocket Your Net WorthIt's Happening Again and What EVERYONE is MissingRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Shocking Money Stats of The Average American: https://youtu.be/Li3ZnPmG9Zs8 Things You Must Do Before 2026 (Financially): https://youtu.be/j-7fYxip5g8The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42YIt Sucks, But It'll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_cORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

How can you be more relaxed about your writing process? What are some specific ways to take the pressure off your art and help you enjoy the creative journey? With Joanna Penn and Mark Leslie Lefebvre. In the intro, Spotify 2025 audiobook trends; Audible + BookTok; NonFiction Authors Guide to SubStack; OpenAI and Disney agreement on Sora; India AI licensing; Business for Authors January webinars; Mark and Jo over the years Mark Leslie LeFebvre is the author of horror and paranormal fiction, as well as nonfiction books for authors. He's also an editor, professional speaker, and the Director of Business Development at Draft2Digital. Joanna Penn writes non-fiction for authors and is an award-winning, New York Times and USA Today bestselling author of thrillers, dark fantasy, and memoir as J.F. Penn. She's also an award-winning podcaster, creative entrepreneur, and international professional speaker. Mark and Jo co-wrote The Relaxed Author in 2021. You can listen to us talk about the process here. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights, and the full transcript is below. Show Notes Why the ‘relaxed' author Write what you love Write at your own pace Write in a series (if you want to) Schedule time to fill the creative well and for rest and relaxation Improve your writing process — but only if it fits with your lifestyle You can find The Relaxed Author: Take the Pressure Off Your Art and Enjoy the Creative Journey on CreativePennBooks.com as well as on your favorite online store or audiobook platform, or order in your library or bookstore. You can find Mark Leslie Lefebvre and his books and podcast at Stark Reflections.ca Why the ‘relaxed' author? Joanna: The definition of relaxed is “free from tension and anxiety,” from the Latin laxus, meaning loose, and to be honest, I am not a relaxed or laid-back person in the broader sense. Back in my teens, my nickname at school was Highly Stressed. I'm a Type A personality, driven by deadlines and achieving goals. I love to work and I burned out multiple times in my previous career as an IT consultant. If we go away on a trip, I pack the schedule with back-to-back cultural things like museums and art galleries to help my book research. Or we go on adventure holidays with a clear goal, like cycling down the South-West coast of India. I can't even go for a long walk without training for another ultra-marathon! So I am not a relaxed person — but I am a relaxed author. If I wanted to spend most of my time doing something that made me miserable, I would go back to my old day job in consulting. I was paid well and worked fewer hours overall. But I measure my life by what I create, and if I am not working on a creative project, I am not able to truly relax in my downtime. There are always more things I want to learn and write about, always more stories to be told and knowledge to share. I don't want to kill my writing life by over-stressing or burning out as an author. I write what I love and follow my Muse into projects that feel right. I know how to publish and market books well enough to reach readers and make some money. I have many different income streams through my books, podcast and website. Of course, I still have my creative and business challenges as well as mindset issues, just like any writer. That never goes away. But after a decade as a full-time author entrepreneur, I have a mature creative business and I've relaxed into the way I do things. I love to write, but I also want a full and happy, healthy life. I'm still learning and improving as the industry shifts — and I change, too. I still have ambitious creative and financial goals, but I am going about them in a more relaxed way and in this book, I'll share some of my experiences and tips in the hope that you can discover your relaxed path, too. Mark: One of the most fundamental things you can do in your writing life is look at how you want to spend your time. I think back to the concept of: ‘You're often a reflection of the people you spend the most time with.' Therefore, typically, your best friend, or perhaps your partner, is often a person you love spending time with. Because there's something inherently special about spending time with this person who resonates in a meaningful way, and you feel more yourself because you're with them. In many ways, writing, or the path that you are on as a writer, is almost like being on a journey with an invisible partner. You are you. But you are also the writer you. And there's the two of you traveling down the road of life together. And so that same question arises. What kind of writer-self do you want to spend all your time with? Do you want to spend all your time with a partner that is constantly stressed out or constantly trying to reach deadlines based on somebody else's prescription of what success is? Or would you rather spend time with a partner who pauses to take a contemplative look at your own life, your own comfort, your own passion and the things that you are willing to commit to? Someone who allows that all to happen in a way that feels natural and comfortable to you. I'm a fan of the latter, of course, because then you can focus on the things you're passionate about and the things you're hopeful about rather than the things you're fearful about and those that bring anxiety and stress into your life. To me, that's part of being a relaxed author. That underlying acceptance before you start to plan things out. If the writing life is a marathon, not a sprint, then pacing, not rushing, may be the key. We have both seen burnout in the author community. People who have pushed themselves too hard and just couldn't keep up with the impossible pace they set for themselves. At times, indie authors would wear that stress, that anxiety, that rush to produce more and more, as a badge of honor. It's fine to be proud of the hard work that you do. It's fine to be proud of pushing yourself to always do better, and be better. But when you push too far — beyond your limits — you can ultimately do yourself more harm than good. Everyone has their own unique pace—something that they are comfortable with—and one key is to experiment until you find that pace, and you can settle in for the long run. There's no looking over your shoulder at the other writers. There's no panicking about the ones outpacing you. You're in this with yourself. And, of course, with those readers who are anticipating those clearly communicated milestones of your releases. I think that what we both want for authors is to see them reaching those milestones at their own paces, in their own comfort, delighting in the fact their readers are there cheering them on. Because we'll be silently cheering them along as well, knowing that they've set a pace, making relaxed author lifestyle choices, that will benefit them in the long run. “I'm glad you're writing this book. I know I'm not the only author who wants peace, moments of joy, and to enjoy the journey. Indie publishing is a luxury that I remember not having, I don't want to lose my sense of gratitude.” —Anonymous author from our survey Write what you love Joanna: The pandemic has taught us that life really is short. Memento mori — remember, you will die. What is the point of spending precious time writing books you don't want to write? If we only have a limited amount of time and only have a limited number of books that we can write in a lifetime, then we need to choose to write the books that we love. If I wanted a job doing something I don't enjoy, then I would have remained in my stressful old career as an IT consultant — when I certainly wasn't relaxed! Taking that further, if you try to write things you don't love, then you're going to have to read what you don't love as well, which will take more time. I love writing thrillers because that's what I love to read. Back when I was miserable in my day job, I would go to the bookstore at lunchtime and buy thrillers. I would read them on the train to and from work and during the lunch break. Anything for a few minutes of escape. That's the same feeling I try to give my readers now. I know the genre inside and out. If I had to write something else, I would have to read and learn that other genre and spend time doing things I don't love. In fact, I don't even know how you can read things you don't enjoy. I only give books a few pages and if they don't resonate, I stop reading. Life really is too short. You also need to run your own race and travel your own journey. If you try to write in a genre you are not immersed in, you will always be looking sideways at what other authors are doing, and that can cause comparisonitis — when you compare yourself to others, most often in an unfavorable way. Definitely not relaxing! Writing something you love has many intrinsic rewards other than sales. Writing is a career for many of us, but it's a passion first, and you don't want to feel like you've wasted your time on words you don't care about. “Write what you know” is terrible advice for a long-term career as at some point, you will run out of what you know. It should be “write what you want to learn about.” When I want to learn about a topic, I write a book on it because that feeds my curiosity and I love book research, it's how I enjoy spending my time, especially when I travel, which is also part of how I relax. If you write what you love and make it part of your lifestyle, you will be a far more relaxed author. Mark: It's common that writers are drawn into storytelling from some combination of passion, curiosity, and unrelenting interest. We probably read or saw something that inspired us, and we wanted to express those ideas or the resulting perspectives that percolated in our hearts and minds. Or we read something and thought, “Wow, I could do this; but I would have come at it differently or I would approach the situation or subject matter with my own flair.” So, we get into writing with passion and desire for storytelling. And then sometimes along the way, we recognize the critical value of having to become an entrepreneur, to understand the business of writing and publishing. And part of understanding that aspect of being an author is writing to market, and understanding shifts and trends in the industry, and adjusting to those ebbs and flows of the tide. But sometimes, we lose sight of the passion that drew us to writing in the first place. And so, writing the things that you love can be a beacon to keep you on course. I love the concept of “Do something that you love, and you'll never work a day in your life.” And that's true in some regard because I've always felt that way for almost my entire adult life. I've been very lucky. But at the same time, I work extremely hard at what I love. Some days are harder than others, and some things are really difficult, frustrating and challenging; but at the end of the day, I have the feeling of satisfaction that I spent my time doing something I believe in. I've been a bookseller my entire life even though I don't sell books in brick-and-mortar bookstores anymore—that act of physically putting books in people's hands. But to this day, what I do is virtually putting books in people's hands, both as an author and as an industry representative who is passionate about the book business. I was drawn to that world via my passion for writing. And that's what continues to compel me forward. I tried to leave the corporate world to write full time in 2018 but realized there was an intrinsic satisfaction to working in that realm, to embracing and sharing my insights and knowledge from that arena to help other writers. And I couldn't give that up. For me, the whole core, the whole essence of why I get up in the morning has to do with storytelling, creative inspiration, and wanting to inspire and inform other people to be the best that they can be in the business of writing and publishing. And that's what keeps me going when the days are hard. Passion as the inspiration to keep going There are always going to be days that aren't easy. There will be unexpected barriers that hit you as a writer. You'll face that mid-novel slump or realize that you have to scrap an entire scene or even plotline, and feel like going back and re-starting is just too much. You might find the research required to be overwhelming or too difficult. There'll be days when the words don't flow, or the inspiration that initially struck you seems to have abandoned you for greener pastures. Whatever it is, some unexpected frustration can create what can appear to be an insurmountable block. And, when that happens, if it's a project you don't love, you're more likely to let those barriers get in your way and stop you. But if it's a project that you're passionate about, and you're writing what you love, that alone can be what greases the wheels and helps reduce that friction to keep you going. At the end of the day, writing what you love can be a honing, grounding, and centering beacon that allows you to want to wake up in the morning and enjoy the process as much as possible even when the hard work comes along. “For me, relaxation comes from writing what I know and love and trusting the emergent process. As a discovery writer, I experience great joy when the story, characters and dialogue simply emerge in their own time and their own way. It feels wonderful.” — Valerie Andrews “Writing makes me a relaxed author. Just getting lost in a story of my own creation, discovering new places and learning what makes my characters tick is the best way I know of relaxing. Even the tricky parts, when I have no idea where I am going next, have a special kind of charm.” – Imogen Clark Write at your own pace Mark: Writing at your own pace will help you be a more relaxed author because you're not stressing out by trying to keep up with someone else. Of course, we all struggle with comparing ourselves to others. Take a quick look around and you can always find someone who has written more books than you. Nora Roberts, traditionally published author, writes a book a month. Lindsey Buroker, fantasy indie author, writes a book a month of over 100,000 words. If you compare yourself to someone else and you try to write at their pace, that is not going to be your relaxed schedule. On the other hand, if you compare yourself to Donna Tartt, who writes one book every decade, you might feel like some speed-demon crushing that word count and mastering rapid release. Looking at what others are doing could result in you thinking you're really slow or you could think that you're super-fast. What does that kind of comparison actually get you? I remember going to see a talk by Canadian literary author Farley Mowat when I was a young budding writer. I'll never forget one thing he said from that stage: “Any book that takes you less than four years to write is not a real book.” Young teenage Mark was devastated, hurt and disappointed to hear him say that because my favorite author at the time, Piers Anthony, was writing and publishing two to three novels a year. I loved his stuff, and his fantasy and science fiction had been an important inspiration in my writing at that time. (The personal notes I add to the end of my stories and novels came from enjoying his so much). That focus on there being only a single way, a single pace to write, ended up preventing me from enjoying the books I had already been loving because I was doing that comparisonitis Joanna talks about, but as a reader. I took someone else's perspective too much to heart and I let that ruin a good thing that had brought me personal joy and pleasure. It works the same way as a writer. Because we have likely developed a pattern, or a way that works for us that is our own. We all have a pace that we comfortably walk; a way we prefer to drive. A pattern or style of how and when and what we prefer to eat. We all have our own unique comfort food. There are these patterns that we're comfortable with, and potentially because they are natural to us. If you try to force yourself to write at a pace that's not natural to you, things can go south in your writing and your mental health. And I'm not suggesting any particular pace, except for the one that's most natural and comfortable to you. If writing fast is something that you're passionate about, and you're good at it, and it's something you naturally do, why would you stop yourself from doing that? Just like if you're a slow writer and you're trying to write fast: why are you doing that to yourself? There's a common pop song line used by numerous bands over the years that exhorts you to “shake what you got.” I like to think the same thing applies here. And do it with pride and conviction. Because what you got is unique and awesome. Own it, and shake it with pride. You have a way you write and a word count per writing session that works for you. And along with that, you likely know what time you can assign to writing because of other commitments like family time, leisure time, and work (assuming you're not a full-time writer). Simple math can provide you with a way to determine how long it will take to get your first draft written. So, your path and plans are clear. And you simply take the approach that aligns with your writer DNA. Understanding what that pace is for you helps alleviate an incredible amount of stress that you do not need to thrust upon yourself. Because if you're not going to be able to enjoy it while you're doing it, what's the point? Your pace might change project to project While your pace can change over time, your pace can also change project to project. And sometimes the time actually spent writing can be a smaller portion of the larger work involved. I was on a panel at a conference once and someone asked me how long it took to write my non-fiction book of ghost stories, Haunted Hamilton. “About four days,” I responded. And while that's true — I crafted the first draft over four long and exhausting days writing as much as sixteen hours each day — the reality was I had been doing research for months. But the pen didn't actually hit the paper until just a few days before my deadline to turn the book over to my editor. That was for a non-fiction book; but I've found I do similar things with fiction. I noodle over concepts and ideas for months before I actually commit words to the page. The reason this comes to mind is that I think it's important to recognize the way that I write is I first spend a lot of time in my head to understand and chew on things. And then by the time it comes to actually getting the words onto the paper, I've already done much of the pre-writing mentally. It's sometimes not fair when you're comparing yourself to someone else to look at how long they physically spend in front of a keyboard hammering on that word count, because they might have spent a significantly longer amount of a longer time either outlining or conceptualizing the story in their mind or in their heart before they sat down to write. So that's part of the pace, too. Because sometimes, if we only look at the time spent at the ‘writer's desk,' we fool ourselves when we think that we're a slow writer or a fast writer. Joanna: Your pace will change over your career My first novel took 14 months and now I can write a first draft in about six weeks because I have more experience. It's also more relaxing for me to write a book now than it was in the beginning, because I didn't know what I was doing back then. Your pace will change per project I have a non-fiction work in progress, my Shadow Book (working title), which I have started several times. I have about 30,000 words but as I write this, I have backed away from it because I'm (still) not ready. There's a lot more research and thinking I need to do. Similarly, some people take years writing a memoir or a book with such emotional or personal depth that it needs more to bring it to life. Your pace will also shift depending on where you are in the arc of life Perhaps you have young kids right now, or you have a health issue, or you're caring for someone who is ill. Perhaps you have a demanding day job so you have less time to write. Perhaps you really need extended time away from writing, or just a holiday. Or maybe there's a global pandemic and frankly, you're too stressed to write! The key to pacing in a book is variability — and that's true of life, too. Write at the pace that works for you and don't be afraid to change it as you need to over time. “I think the biggest thing for me is reminding myself that I'm in this to write. Sometimes I can get caught up in all the moving pieces of editing and publishing and marketing, but the longer I go without writing, or only writing because I have to get the next thing done instead of for enjoyment, the more stressed and anxious I become. But if I make time to fit in what I truly love, which is the process of writing without putting pressure on myself to meet a deadline, or to be perfect, or to meet somebody else's expectations — that's when I become truly relaxed.” – Ariele Sieling Write in a series (if you want to) Joanna: I have some stand-alone books but most of them are in series, both for non-fiction and for my fiction as J.F. Penn. It's how I like to read and write. As we draft this book, I'm also writing book 12 in my ARKANE series, Tomb of Relics. It's relaxing because I know my characters, I know my world; I know the structure of how an ARKANE story goes. I know what to put in it to please my readers. I have already done the work to set up the series world and the main characters and now all I need is a plot and an antagonist. It's also quicker to write and edit because I've done it before. Of course, you need to put in the work initially so the series comes together, but once you've set that all up, each subsequent book is easier. You can also be more relaxed because you already have an audience who will (hopefully) buy the book because they bought the others. You will know approximately how many sales you'll get on launch and there will be people ready to review. Writing in a non-fiction series is also a really good idea because you know your audience and you can offer them more books, products and services that will help them within a niche. While they might not be sequential, they should be around the same topic, for example, this is part of my Books for Authors series. Financially, it makes sense to have a series as you will earn more revenue per customer as they will (hopefully) buy more than one book. It's also easier and more relaxing to market as you can set one book to free or a limited time discount and drive sales through to other books in the series. Essentially, writing a book in a series makes it easier to fulfill both creative and financial goals. However, if you love to read and write stand-alone books, and some genres suit stand-alones better than series anyway, then, of course, go with what works for you! Mark: I like to equate this to no matter where you travel in the world, if you find a McDonald's you pretty much know what's on the menu and you know what to expect. When you write in a series, it's like returning to hang out with old friends. You know their backstory; you know their history so you can easily fall into a new conversation about something and not have to get caught up on understanding what you have in common. So that's an enormous benefit of relaxing into something like, “Oh, I'm sitting down over coffee, chatting with some old friends. They're telling me a new story about something that happened to them. I know who they are, I know what they're made out of.” And this new plot, this new situation, they may have new goals, they may have new ways they're going to grow as characters, but they're still the same people that we know and love. And that's a huge benefit that I only discovered recently because I'm only right now working on book four in my Canadian Werewolf series. Prior to that, I had three different novels that were all the first book in a series with no book two. And it was stressful for me. Writing anything seemed to take forever. I was causing myself anxiety by jumping around and writing new works as opposed to realizing I could go visit a locale I'm familiar and comfortable with. And I can see new things in the same locale just like sometimes you can see new things and people you know and love already, especially when you introduce something new into the world and you see how they react to it. For me, there's nothing more wonderful than that sort of homecoming. It's like a nostalgic feeling when you do that. I've seen a repeated pattern where writers spend years writing their first book. I started A Canadian Werewolf in New York in 2006 and I did not publish it until ten years later, after finishing it in 2015. (FYI, that wasn't my first novel. I had written three and published one of them prior to that). That first novel can take so long because you're learning. You're learning about your characters, about the craft, about the practice of writing, about the processes that you're testing along the way. And if you are working on your first book and it's taking longer than planned, please don't beat yourself up for that. It's a process. Sometimes that process takes more time. I sometimes wonder if this is related to our perception of time as we age. When you're 10 years old, a day compared to your lifetime is a significant amount of time, and thinking about a year later is considering a time that is one-tenth of your life. When you have a few more decades or more under your belt, that year is a smaller part of the whole. If you're 30, a year is only one-thirtieth of your life. A much smaller piece. Just having written more books, particularly in a series, removes the pressure of that one book to represent all of you as a writer. I had initial anxiety at writing the second book in my Canadian Werewolf series. Book two was more terrifying in some ways than book one because finally, after all this time, I had something good that I didn't want to ruin. Should I leave well enough alone? But I was asked to write a short story to a theme in an anthology, and using my main character from that first novel allowed me to discover I could have fun spending more time with these characters and this world. And I also realized that people wanted to read more about these characters. I didn't just want to write about them, but other people wanted to read about them too. And that makes the process so much easier to keep going with them. So one of the other benefits that helps to relax me as a writer working on a series is I have a better understanding of who my audience is, and who my readers are, and who will want this, and who will appreciate it. So I know what worked, I know what resonated with them, and I know I can give them that next thing. I have discovered that writing in a series is a far more relaxed way of understanding your target audience better. Because it's not just a single shot in the dark, it's a consistent on-going stream. Let me reflect on a bit of a caveat, because I'm not suggesting sticking to only a single series or universe. As writers, we have plenty of ideas and inspirations, and it's okay to embrace some of the other ones that come to us. When I think about the Canadian rock trio, Rush, a band that produced 19 studio albums and toured for 40 years, I acknowledge a very consistent band over the decades. And yet, they weren't the same band that they were when they started playing together, even though it was the same three guys since Neil Peart joined Geddy Lee and Alex Lifeson. They changed what they wrote about, what they sang about, themes, styles, approaches to making music, all of this. They adapted and changed their style at least a dozen times over the course of their career. No album was exactly like the previous album, and they experimented, and they tried things. But there was a consistency of the audience that went along with them. And as writers, we can potentially have that same thing where we know there are going to be people who will follow us. Think about Stephen King, a writer who has been writing in many different subjects and genres. And yet there's a core group of people who will enjoy everything he writes, and he has that Constant Reader he always keeps in mind. And so, when we write in a series, we're thinking about that constant reader in a more relaxed way because that constant reader, like our characters, like our worlds, like our universes, is like we're just returning to a comfortable, cozy spot where we're just going to hang out with some good friends for a bit. Or, as the contemplative Rush song Time Stand Still expresses, the simple comfort and desire of spending some quality time having a drink with a friend. Schedule time to fill the creative well and for rest and relaxation Mark: What we do as writers is quite cerebral, so we need to give ourselves mental breaks in the same way we need to sleep regularly. Our bodies require sleep. And it's not just physical rest for our bodies to regenerate, it's for our minds to regenerate. We need that to stay sane, to stay alive, to stay healthy. The reality for us as creatives is that we're writing all the time, whether or not we're in front of a keyboard or have a pen in our hand. We're always writing, continually sucking the marrow from the things that are happening around us, even when we're not consciously aware of it. And sometimes when we are more consciously aware of it, that awareness can feel forced. It can feel stressful. When you give yourself the time to just let go, to just relax, wonderful things can happen. And they can come naturally, never feeling that urgent sense of pressure. Downtime, for me, is making space for those magic moments to happen. I was recently listening to Episode 556 of The Creative Penn podcast where Joanna talked about the serendipity of those moments when you're traveling and you're going to a museum and you see something. And you're not consciously there to research for a book, but you see something that just makes a connection for you. And you would not have had that for your writing had you not given yourself the time to just be doing and enjoying something else. And so, whenever I need to resolve an issue or a problem in a project I'm writing, which can cause stress, I will do other things. I will go for a run or walk the dogs, wash the dishes or clean the house. Or I'll put on some music and sing and dance like nobody is watching or listening—and thank goodness for that, because that might cause them needless anxiety. The key is, I will do something different that allows my mind to just let go. And somewhere in the subconscious, usually the answer comes to me. Those non-cerebral activities can be very restorative. Yesterday, my partner Liz and I met her daughter at the park. And while we quietly waited, the two of us wordlessly enjoyed the sights and sounds of people walking by, the river in the background, the wind blowing through the leaves in the trees above us. That moment wasn't a purposeful, “Hey, we're going to chill and relax.” But we found about five minutes of restorative calm in the day. A brief, but powerful ‘Ah' moment. And when I got back to writing this morning, I drew upon some of the imagery from those few minutes. I didn't realize at the time I was experiencing the moment yesterday that I was going to incorporate some of that imagery in today's writing session. And that's the serendipity that just flows very naturally in those scheduled and even unscheduled moments of relaxation. Joanna: I separate this into two aspects because I'm good at one and terrible at the other! I schedule time to fill the creative well as often as possible. This is something that Julia Cameron advises in The Artist's Way, and I find it an essential part of my creative practice. Essentially, you can't create from an empty mind. You have to actively seek out ways to spark ideas. International travel is a huge part of my fiction inspiration, in particular. This has been impossible during the pandemic and has definitely impacted my writing. I also go to exhibitions and art galleries, as well as read books, watch films and documentaries. If I don't fill my creative well, then I feel empty, like I will never have another idea, that perhaps my writing life is over. Some people call that writer's block but I know that feeling now. It just means I haven't filled my creative well and I need to schedule time to do that so I can create again. Consume and produce. That's the balance you need in order to keep the creative well filled and the words flowing. In terms of scheduling time to relax instead of doing book research, I find this difficult because I love to work. My husband says that I'm like a little sports car that goes really, really fast and doesn't stop until it hits a wall. I operate at a high productivity level and then I crash! But the restrictions of the pandemic have helped me learn more about relaxation, after much initial frustration. I have walked in nature and lain in the garden in the hammock and recently, we went to the seaside for the first time in 18 months. I lay on the stones and watched the waves. I was the most relaxed I've been in a long time. I didn't look at my phone. I wasn't listening to a podcast or an audiobook. We weren't talking. We were just being there in nature and relaxing. Authors are always thinking and feeling because everything feeds our work somehow. But we have to have both aspects — active time to fill the creative well and passive time to rest and relax. “I go for lots of walks and hikes in the woods. These help me work out the kinks in my plots, and also to feel more relaxed! (Exercise is an added benefit!)” –T.W. Piperbrook Improve your writing process — but only if it fits with your lifestyle Joanna: A lot of stress can occur in writing if we try to change or improve our process too far beyond our natural way of doing things. For example, trying to be a detailed plotter with a spreadsheet when you're really a discovery writer, or trying to dictate 5,000 words per hour when you find it easier to hand write slowly into a journal. Productivity tips from other writers can really help you tweak your personal process, but only if they work for you — and I say this as someone who has a book on Productivity for Authors! Of course, it's a good idea to improve things, but once you try something, analyze whether it works for you — either with data or just how you feel. If it works, great. Adopt it into your process. If it doesn't work, then discard it. For example, I wrote my first novel in Microsoft Word. When I discovered Scrivener, I changed my process and never looked back because it made my life so much easier. I don't write in order and Scrivener made it easier to move things around. I also discovered that it was easier for me to get into my first draft writing and creating when I was away from the desk I use for business, podcasting, and marketing tasks. I started to write in a local cafe and later on in a co-working space. During the pandemic lockdown, I used specific playlists to create a form of separation as I couldn't physically go somewhere else. Editing is an important part of the writing process but you have to find what works for you, which will also change over time. Some are authors are more relaxed with a messy first draft, then rounds of rewrites while working with multiple editors. Others do one careful draft and then use a proofreader to check the finished book. There are as many ways to write as there are writers. A relaxed author chooses the process that works in the most effective way for them and makes the book the best it can be. Mark: When it comes to process, there are times when you're doing something that feels natural, versus times when you're learning a new skill. Consciously and purposefully learning new skills can be stressful; particularly because it's something we often put so much emphasis or importance upon. But when you adapt on-going learning as a normal part of your life, a natural part of who and what you are, that stress can flow away. I'm always about learning new skills; but over time I've learned how to absorb learning into my everyday processes. I'm a pantser, or discovery writer, or whatever term we can apply that makes us feel better about it. And every time I've tried to stringently outline a book, it has been a stressful experience and I've not been satisfied with the process or the result. Perhaps I satisfied the part of me that thought I wanted to be more like other writers, but I didn't satisfy the creative person in me. I was denying that flow that has worked for me. I did, of course, naturally introduce a few new learnings into my attempts to outline; so I stuck with those elements that worked, and abandoned the elements that weren't working, or were causing me stress. The thought of self-improvement often comes with images of blood, sweat, and tears. It doesn't have to. You don't have to bleed to do this; it can be something that you do at your own pace. You can do it in a way that you're comfortable with so it's causing you no stress, but allowing you to learn and grow and improve. And if it doesn't work but you force yourself to keep doing it because a famous writer or a six-figure author said, “this is the way to do it,” you create pressure. And when you don't do it that way, you can think of yourself as a failure as opposed to thinking of it as, “No, this is just the way that I do things.” When you accept how you do things, if they result in effectively getting things done and feeling good about it at the same time, you have less resistance, you have less friction, you have less tension. Constantly learning, adapting, and evolving is good. But forcing ourselves to try to be or do something that we are not or that doesn't work for us, that causes needless anxiety. “I think a large part of it comes down to reminding myself WHY I write. This can mean looking back at positive reviews, so I can see how much joy others get from my writing, or even just writing something brand new for the sake of exploring an idea. Writing something just for me, rather than for an audience, reminds me how much I enjoy writing, which helps me to unwind a bit and approach my projects with more playfulness.” – Icy Sedgwick You can find The Relaxed Author: Take the Pressure Off Your Art and Enjoy the Creative Journey on CreativePennBooks.com as well as on your favorite online store or audiobook platform, or order in your library or bookstore. The post The Relaxed Author Writing Tips With Joanna Penn and Mark Leslie Lefebvre first appeared on The Creative Penn.

Welcome to a revealing episode of the Building Your Money Machine Show! Today, I'm uncovering the “13 Shocking Money Stats of the Average American”—facts that will jolt you awake about why so many people struggle financially, and, most importantly, what you can do to avoid becoming one of these statistics.I walk you through 13 jaw-dropping stats, like how 28% of U.S. wealth is held by just 1% of people, why nearly a quarter of Americans live paycheck to paycheck, and the staggering reality of household savings, debt, medical bills, and student loans. But the story doesn't end there; for each stat, I share my personal experiences and give you actionable strategies for taking control, building assets, protecting yourself against emergencies, and getting your money working for you.From automating savings and fighting off financial “termites” to understanding why financial literacy is non-negotiable, these are the practical steps that will help you dodge the traps, master your money, and create a life of real financial freedom.IN TODAY'S EPISODE, I DISCUSS:Concrete steps for escaping the paycheck-to-paycheck trap Action plans for breaking free from $1.3 trillion in credit card debtSmart approaches to car paymentsThe toll medical debt takesHow to avoid student loan disaster by treating education like an investment with real ROIThe myth of retirement savings, and why building habits is more important than big balancesHow financial literacy can make or break your wealthThe hidden dangers of “buy now, pay later” and borrowing from your future selfRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/8 Things You Must Do Before 2026 (Financially)The Smartest Order to Invest Your Money (Step-by-Step)It Sucks, But It'll Skyrocket Your Net WorthIt's Happening Again and What EVERYONE is MissingAccountant Explains: How to Invest Your First $10,000RECOMMENDED VIDEOS FOR YOUIf you liked this video, you'll love these ones:8 Things You Must Do Before 2026 (Financially): https://youtu.be/j-7fYxip5g8The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42YIt Sucks, But It'll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_cIt's Happening Again and What EVERYONE is Missing: https://youtu.be/sGaGRH396msORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

lhat separates people who build extraordinary financial lives from those who don't? In the first episode of The Intentional Money Show, I share the key habits wealthy, financially confident people follow and how you can start applying them today to transform your money. Full shownotes at https://clarewood.com/podcast/episode351/

Episode 219Series: On the Mission Field - 25In today's episode of the Removing Barriers podcast, we interview Joanna Smith, missionary helper to the great country of Colombia. She will be helping her brother, a veteran missionary already established there, in reaching the lost souls for Christ. Perhaps you wonder why missionaries are needed in a country in which over 90% of the people identify as Christian. Isn't a country like that evangelized enough? Well, the country is overwhelmingly Catholic, and churches that preach the true gospel of Jesus Christ as it is in the scriptures are incredibly few and far between. In fact, you won't believe how far the nearest ministry of like faith is from her brother's ministry! God is at work, however, and in this interview, we will hear how God called Joanna to serve the people Colombia, especially the women and children. Join us as we learn about her upbringing, her surrender to ministry work, and all about what God is doing on that particular mission field to draw lost souls to Himself.Listen to the Removing Barriers Podcast here:Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cutt.ly/Ega8YeI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cutt.ly/Vga2SVd⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Edifi: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cutt.ly/Meec7nsv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cutt.ly/mga8A77⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podnews: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podnews.net/podcast/i4jxo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See all our platforms: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://removingbarriers.net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Contact us:Email us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://removingbarriers.net/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Financially support the show: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://removingbarriers.net/donate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Affiliates:Book Shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bookshop.org/shop/removingbarriers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christian Books.com: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.christianbook.com/Christian/Books/home?event=AFF&p=1236574⁠⁠⁠⁠See all our affiliates: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://removingbarriers.net/affiliates⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

A beautiful portfolio doesn't guarantee a profitable business.In this episode of the Interior Design Business Podcast, I'm kicking off a multi-part series on building a financially sustainable design business. Today's focus? Understanding how to separate your design services from product sales, and why clinging to retail vendors and discount pricing is keeping you stuck.If you want to create a business that pays you consistently, covers your team and tools, and leaves room to grow, this is where you start.In this episode, I cover:What it really means to have a financially sustainable businessWhy designers must separate services from product salesThe hidden cost of using Pottery Barn and WayfairHow vendor discounts work, and how to use them profitablyWhy retail pricing isn't a problem (it's your solution)Show notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy

Dr Boyce discusses the overprescription of pain medication and how people are financially harmed in the process.

In this episode, I cover key steps to make sure you're financially prepared for the journey ahead. Some takeaways:Update Your Life Insurance: Why having proper life insurance is essential once you have a child and how to determine the right amount for your familyHealth Insurance for Your Newborn: The process of adding your baby to your health insurance plan and why it's important to do this sooner than laterCreating an Estate Plan: Protect your family's future and ensure your wishes are honoredBudgeting for Baby Expenses: How to adjust your budget to accommodate new expenses, including daycare and one-time costs for nursery essentialsLeveraging Dependent Care FSA: How to take advantage of pre-tax benefits for childcare expenses, which can save you money in the long runPlanning for Your Child's Future: Various options for saving for your child's education, including the benefits of 529 plans----✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Send us a textWelcome back to DMRWeapons is directed and written by Zach Cregger, and features a strong ensemble cast including Julia Garner, Josh Brolin, Alden Ehrenreich, Austin Abrams, Benedict Wong, and Amy Madigan. The film centers on a horrifying event — one night, an entire third-grade class disappears without a trace, leaving behind only a single child. As panic spreads through the community, suspicion falls on the teacher, and a grieving father, along with other adults, begin unraveling the mystery.Critically, Weapons has been very well received. On Rotten Tomatoes, it holds a 93% “Tomatometer” score, reflecting broad acclaim for its atmosphere, acting, and the way it blends horror-mystery tropes. Financially, the film has been a major success: it grossed around US $268.3 million worldwide, far exceeding its modest production budget — making it one of 2025's most successful horror films.Be sure to grab your Audible 30 day free trial, link is in the show, you will help support DMR!Support the showThe audio clips used in this podcast, including excerpts from movie/series/documentary trailers, are used under the principles of fair use and fair dealing for the purpose of criticism, commentary, and review. All rights to the original trailer content & music belong to the respective copyright holders. DMR (Dewey's Movie Reviews) is an independent production and is not affiliated with or endorsed by any film studios or distributors.

Welcome to a game-changing episode of the Building Your Money Machine Show! Today, I'm tackling a topic that most people don't think about until it's too late—the essential financial moves you must make before 2026. Did you know that 70% of people enter a new year in the exact same financial place as the year before? It's not because we don't work hard or care enough—it's because we don't make the right moves at the right time.I'll walk you step by step through redesigning your spending plan, renegotiating expenses, realigning your spending with your values, and confirming your emergency fund to keep your nervous system calm. We'll check your net worth snapshot, capture all the free money you might be leaving on the table (think 401(k) matches, employee stock discounts, and HSAs), lock in your year-end tax strategies, and make sure you're maxing out those tax-advantaged accounts before the deadlines hit.This episode is your game plan to stop reacting to life and start directing it. Let's make your money machine work for you, so you can focus on what really matters: dignity, peace, options, and living life on your own terms.IN TODAY'S EPISODE, I COVER:Why 70% of people stay financially stuck year after yearHow to redesign your spending plan and audit the “big three” expensesAligning your spending with your true valuesBuilding and reevaluating your emergency and peace-of-mind fundsCalculating your true net worth and your all-important investable net worthHow to maximize and optimize all your tax-advantaged retirement accountsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Smartest Order to Invest Your Money (Step-by-Step)It Sucks, But It'll Skyrocket Your Net WorthIt's Happening Again and What EVERYONE is MissingAccountant Explains: How to Invest Your First $10,000The 3 Net Worth Milestones That Change EverythingRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Smartest Order to Invest Your Money (Step-by-Step): https://youtu.be/KWrFg8nP42YIt Sucks, But It'll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_cIt's Happening Again and What EVERYONE is Missing: https://youtu.be/sGaGRH396msAccountant Explains: How to Invest Your First $10,000: https://youtu.be/8spO7HPBvDQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

When bestselling author and podcast host Jen Hatmaker's 26-year marriage imploded, she realized something shocking: even though she was the breadwinner, she had no idea how much money she made… or how to access it. In this deeply honest and empowering conversation, Jen sits down with Jean Chatzky to discuss her financial “wake-up” — how she went from completely disconnected to financially independent after divorce. Together, they unpack how faith, purity culture, and traditional gender roles shaped her relationship with money, and how she ultimately took back control. What You'll Hear In This Episode: Why she went to an attorney, not a therapist, after finding out about her husband's affair The cultural and religious beliefs that kept her from managing her money Jen's 90-day crash course to financial independence (and the exact checklist she followed) How friendships and solo travel helped her heal emotionally and financially Her evolving relationship with spirituality after stepping away from church Jen's advice for women who feel they're “late” to their own financial lives Resources & Links: Jen Hatmaker's memoir: AWAKE Jen's podcast: For The Love Follow Jen on Instagram More financial tips and support: HerMoney.com If you enjoyed this episode, please leave us a review on Apple Podcasts and share it with a friend who needs to hear it. Subscribe for more stories of reinvention, resilience, and taking control of your financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul celebrate episode 200 by riffing on Covey's “7 Habits” and translating them into practical, IBC moves. They discuss each of the “7 Habits” and double click on some big x-factors, like consistency, sequencing cash, win-win thinking, and ‘sharpening the saw'. Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:41 - Episode beginning5:22 - 7 Habits of Highly Effective People6:06 - #1: Be Proactive10:11 - #2: Begin With The End In Mind14:26 - #3: Pay Yourself First18:00 - #4: Think Win-Win20:26 - #5: Seek To Understand24:29 - #6: Synergize28:44 - #7: Sharpen the Saw32:38 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website:https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

Sources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

On this edition of Ask KT & Suze Anything, Suze answers your questions about Roths in higher tax bracket, going from two incomes down to one, lack of financial education and so much more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.