Podcasts about fiscal fitness

In the final episode of Manager Minute, host Carol Pankow closes out the series with a powerful conversation featuring Chanda Hermanson, Director of Montana Combined Vocational Rehabilitation (VR). Chanda's lifelong passion for the field—shaped by family connections and early volunteering—has guided Montana's innovative approach to serving people with disabilities across a vast and rural state. Together, they reflect on Montana's recent breakthroughs, including legislative support for counselors, expanded telecommunications access, and the funding of a Blind Adjustment program. They also discuss the tough but necessary decision to enter Order of Selection, and how aligning with state priorities in behavioral health and foster care strengthens VR's impact. This inspiring finale reminds VR leaders nationwide to stay mission-focused, innovative, and unwavering in their commitment to meaningful employment opportunities for all.   Listen Here   Full Transcript:   {Music}   Chanda: What are their priorities? The people that are making these decisions. Who's the chair of the committee? What do they want? Right. And really figuring out what the governor's office priorities are. These types of things. And then figuring out how to get ourselves into those conversations. Listen, listen, listen and then infiltrate.   Carol: I know you don't have a crystal ball, but if you did, what do you have for some thoughts on what VR leaders need to pay attention to and what's on the horizon for VR?   Chanda: That's tough. I wish I had a crystal ball. I think all of our crystal balls are broken right now.   Intro Voice: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Welcome to the manager minute. Joining me in the studio today is Chanda Hermanson, director of Montana Combined. So, Chanda, how are things going in Montana.   Chanda: It's good, busy, busy work and lots going on, but going good overall.   Carol: Well, it's so great to have you back on the podcast. I looked back through the archives. Saw you were last with me November of 2021 and we were talking about, "Is Your Fiscal Management Managed Building a Solid Foundation for Fiscal Fitness". And you've done and you continue to do so, an outstanding job assembling a stellar team to support the fiscal side of the House. And of course, Anna Montana is one of our very favorite people. So for our listeners, I had the opportunity to reconnect with Chanda during the region eight meeting in South Dakota, and 45 incredible staff from the region came together for training, connection and sharing and it was a really fun two days. Eric, director of South Dakota General, was leading a portion of the meeting and folks were going around sharing about challenges and opportunities when it got to Chanda. She shared some truly inspiring things happening in Montana. And I thought right then and there. That is what I want to talk about on my last podcast. Over the last five years, we've covered so many meaningful topics, and we need to go out on a high note. This is our 54th and final episode of The Manager Minute. So together we started conversations, started a movement of rapid and meaningful engagement, tackled tough topics like order selection and finance work to bridge the gap between the DSA and the DSU highlighted so many innovative Diff grants and exciting initiatives from across the country. I truly believe we've helped plant seeds of change nationwide, so let's dig in. So, Chanda, for those who may not know you, can you remind our listeners about your background and how you got into VR?   Chanda: Sure. I have been in the field about 20 years formerly, but I was in the field volunteering and doing other things previous to the formal employment with Voc rehab. My parents both worked in the field, so I was lucky enough to grow up in a household where this was our daily dinner conversations, and my parents and my siblings are recipients of Voc Rehab services, so the program's near and dear to me. When I was 19, the Montana started the Youth Leadership Forum. That was my mom's program at the time, and I was able and told that I she needed volunteers to work this summer program for youth with disabilities. And I came home and helped through that and fell in love with the work more directly than I did growing up. So since then, I tried other things along the way. But this is definitely where I'm meant to be and I'm so lucky to be here. I love it.   Carol: That is super cool. I didn't remember that about you, I love it. My mom, she had been volunteer coordinator at our state hospital back in Faribault, Minnesota when I was growing up, so I remember very well going with her and helping, and I would volunteer for things and ended up working there before it closed and kind of just gotten into the whole field of disabilities. So our parents definitely can help us, like lead the way. That is just cool.   Chanda: I didn't realize you had also.   Carol: Tell us about Montana Combined, how many staff and consumers do you serve? And kind of what's your budget?   Chanda: Like our budget's about $19 million a year annually, give or take, where things are going on. We have about 100 staff supporting the rehab program in our blind and low vision service programs, too. So that's the number of staff we have on board. We also have separate things out differently. So we have Pre-ETS in there. They're their own bureau. We have blind and low vision. They're their own bureau. And then we function together as a combined voc rehab program. Though we are serving about 5000 people under voc rehab and 3000 students in Pre-ETS.   Carol: Wow. So you're not small. Sometimes people are thinking, oh, maybe you're from a small state. You're not a smallish program, you're more a mid-size.   Chanda: And people are very far apart here. The numbers maybe don't look that much, but when you need to get to everybody in every corner of Montana, it's a trek.   Carol: Yeah, and travel is rough. Like, it's not an easy haul.   Chanda: No.   Carol: So let's talk about your good news. What exciting developments do you have to share?   Chanda: Yeah. So we just ended our 2025 legislative session in May. Our legislative body meets every other year for 90 days. So it is a fast and furious process. But we survived. That's always the first thing we did get through it. But we did get out pretty successfully compared to a lot of our peers in public health and human services and a lot of other programs just statewide. We went into the session asking, well, just start this off to we are lucky enough to traditionally get our state match without a problem. It's always just part of what they, it's our start of our base budget so that we are fortunate for that. Where we struggle is our staffing levels and getting the appropriation to get the FTE, we need to really provide a quality service to people more than managing those cases. We don't have autonomy over the number of employees we can hire, so that's always our struggle. So we went in asking for four FTE to support the individualized placement and supported employment model, and serving the serious, disabling mental illness population for counselors for that project and then one FTE to work in the state hospital. We are in and out of the state hospital, constantly taking applications and helping people prepare for work before discharge. We just thought that it would behoove us to actually just have a staff member in the hospital setting, rather than being disruptive going in and out. We also, outside of Oak Ridge, have asked for some more appropriation to support our telecommunication access work and two more FTE there, just given the high increase in need and work. And then we also requested funding and an FTE to create a Blind Adjustment program to meet the gap in services that we created when the homemaker was no longer allowed as an employment goal. So those were our asks. We didn't get everything we asked for, but we did come out with two new counselors for the STMI-IPS work and our telecommunication money into FTE. So while that's not directly related to VR, it does help our voc rehab program and help those participants in gaining access to equipment and services to make sure their communication needs are met. And then we also did get the funding for the Blind Adjustment program. So that was really exciting. It's been hard for us to turn away people that are going through the onset of vision loss, and if they're not really wanting to talk about work, it's under the age of 55. That's definitely been an area of opportunity. So we're excited to get to serve those folks now in a different way.   Carol: That is super amazing, because it's almost like unheard of lately where people have kind of good news where you went in, you asked for these things and you got stuff.   Chanda: That some of it not all, but some of it. And I also we didn't ask for it. It wasn't part of our decision package request. But our providers did a great job lobbying this year and they got themselves a couple of provider rate increases, so it amounts to about a 17% provider rate increase. And so that comes along with more state general funds. So that's going to give us more ability to draw down some realignment that maybe we wouldn't have been able to if those guys didn't lobby for those provider rate increases.   Carol: So good on you. That is pretty incredible. I know IPS is a really popular program across the country and successful. It's wanted and very foundational. It's got good statistics about what has happened with that. Your telecommunications project. You talk a little more about that, what it all does.   Chanda: Yeah. Our telecommunication access program provides phone equipment and maybe cell phones or some of your old big button phones and different speaker system type of things that we also cover the relay system in Montana, and we provide for transcription on zoom and public meetings and various groups around the state. So with the increased need for people to access broadband and internet. Type of activities we are seeing. Not only is the need increasing, but the cost of all of it's increasing too. So we're really happy to get to support that.   Carol: Yeah, that is very cool. I know broadband was a big issue in Minnesota for a long time. When I was working at the Department of Employment and Economic Development, we had a broadband initiative because I wondered if yours had a little to do with that, because we have super rural areas. I mean, you definitely we have the Twin Cities, you know, metro area, but you get out state. It's tough. And people are talking about, you know, if you wanted to be self-employed or different things you can do via internet. Well, yeah, only if you can access that. If there's no connectivity, you're done. Like you don't even have that option out there. So I really get to pay attention firsthand at how important access to communication is for everybody.   Chanda: So important. And we already are experiencing, you know, in the disability community, isolation issues just in general. So this is really a great solution to get to people if they're out in a very frontier part of Montana. This can help really get them a sense of community in other ways.   Carol: Yeah, that's just direct boots on the ground. Wonderful access for folks, I love that. So I'm sure you had to do some background stuff. You didn't just waltz in and go, hey, I want this stuff. Give it to me. They're not likely. They're like, yeah, we like you, Shannon, but not that much. We need something. What kind of things did you pull together, like, data wise, to support your request?   Chanda: Sure. Well, first, it's just paying attention to what elected officials priorities are. That's the first kind of anecdotal data to be gathering. So really listening to the governor's initiatives and what his priorities are, along with, again, these elected officials that are on our committee subcommittee making the decisions about are the first decisions about our budget, which is the most important decision as it works our way through the entire session. So through that, we really observed that there's strong emphasis on behavioral health systems change in Montana in foster care, too, and we realize we are part of that system, not in the way that everybody was talking about it or thinking about it. I'm a lot more of what they're having to talk about, right? As case management and housing and all the other things. And employment doesn't even rise to the surface when you're hearing those things, because it's just different mindset. And so we took that and leveraged it to start joining those conversations and talk about how employment is a social determinants of health for the population, and all the benefits of employment that augments and assists all the things that they are talking about. It helps with treatment and recovery and provide stability can help with the housing issues. It gives people a sense of purpose. All of this prevents relapse and homelessness. And so just really getting to take the opportunity to join the conversation and talk about it in a different way to just educate folks on how employment can support all of this other work they're doing. A lot of people tend to lean into safety, safety, safety, when they're making these decisions, not realizing that employment is part of that safety. And I think a lot of times people really get linear thinking like, okay, you need x, y, and Z, and then you're going to be ready for employment, not realizing that employment can come in any step of the way and really change the trajectory of all those other things you're providing them. So through that, we dug into the data. What are our caseloads look like? What is the general population for people needing behavioral health services in Montana? And we found that 34% of Montana's caseload are individuals with behavioral health disabilities. So that equates to about 1500 people on our caseload right now. And when you look at the general census in Montana, there's about 163,000 people with health disability. So we are only serving a sliver. And we know that typically through our research that two thirds of people with behavior, health disabilities typically want to go to work. So through combining all of that data and telling a story and telling stories of people successfully navigating this in their communities. I do believe that that's what helped us get across the finish line, to make sure that we can really do more work, and we're excited. It is important to us.   Carol: Yeah, you were really smart. I mean, you were listening. I can hear you. You were listening to what people were talking about. And how could you leverage and be part of that conversation, which takes time. I'm sure you didn't do this in a day. I mean, this takes years. Like building relationships and getting invited to those meetings and being able to discuss those ideas. I think that is brilliant. What would you say to your fellow colleagues across the country who might be wanting to consider something similar in their state? Like, what would you suggest to them on how to start or how to get kind of involved or part of those conversations?   Chanda: I'm just going to reiterate again. Listen, listen, listen. It's the beat of our drum. The last 2 or 3 years of the leadership team here in Montana has been listen. Listen, listen and then infiltrate. So what are people talking about? What are their priorities? The people that are making these decisions. Who's the chair of the committee? What do they want? Right. And really figuring out what the governor's office priorities are, these types of things, and then figuring out how to get ourselves into those conversations. And we're really lucky in rehab because we touch everything, whether it's manufacturing coming into the state or behavioral health issues, or what can we do to improve foster care systems in Montana, you name it. Many of the things that the legislators are worried about and are making decisions about, we touch so we can get ourselves at the table and talk about how we can influence what they're talking about and how we're already making an impact. It's so cool what we do.   Carol: It is cool because we have such variety. It makes the job super creative, like you can really do a variety of things that are amazing and wonderful and impact people's lives in such a big way. Like you say, with employment, you know that trajectory. Sometimes people think you need all these things first? But boy, you get that job, which also helps in with your housing and all the other things that are going on. You can intersect at any point. I love that, I think that's really good. I know you don't have a crystal ball, but if you did, what do you have for some thoughts on what VR leaders need to pay attention to and what's on the horizon for VR?   Chanda: That's tough. I wish I had a crystal ball. I think all of our crystal balls are broken right now. I don't have a thought of what is on the horizon, but I do know that we just need to stay focused on our mission and values and the vision of what we have and don't falter. We have and work for one of the coolest programs out there and get to be innovative and creative and like we were just referring to, we can pivot and message around so many things that make what we do compelling to different decision makers. I think that's pretty unique, and I think there's ways to take advantage of that to make sure that we survive and thrive regardless of what happens, because we do have so much impact across the board. So but if we don't, we need to stay focused on our mission and values to make sure we're successful and don't get lose sight of that along the way.   Carol: I agree with that 100%. I think living into our mission and doing it well and not drifting kind of all over the place. If we get people disabilities into employment and good employment, not just food, filth and flowers, but real employment, that's what it's all about. And when we get distracted by other stuff, or maybe our performance doesn't look as good and all of that, we got to stay focused early, head down. Here's what we're trying to do, because that's the whole reason this wonderful program has existed for over 100 years. So head down, do the thing.   Chanda: Yes.   Carol: 100%. That is awesome. Well, this actually wraps up our final episode of The Manager Minute. Now, I know you have some other news. Probably. Do you want to talk about it today? Because you are going an Order of Selection, and I know states are facing that as well. We've talked to a couple states lately about that, talked with Indiana, talked with Cora in Kentucky. And while we have all this wonderful work going forward, we still have this lever that Congress lets us pull when we don't have all the resources to serve every single person coming at the door. And for you, this is a really live situation that's happening as we speak.   Chanda: Correct. We actually went into Order Selection today. We closed categories two and three. So it's been a long process working with RSA since February. But we're happy. It's bittersweet. I mean, we're not happy to get order of selection, but for the health of the program and to make sure that we can continue to provide high quality services and to not dilute client services, it's what needed to happen. Our caseloads are unmanageable. We're looking at caseloads that are about 170, on top of just the general cost of services continuing to increase. Our fiscal forecasting was clear we needed to get into order sooner than later so we could manage the best we can.   Carol: It's a good way to look at it, because you don't want the services to dilute, because it ends up where staff are kind of applying an order without the order being in play. You get a lot of people getting a little bits of stuff instead of people really getting what they need. And so it does provide a more organized way in which to structure and to handle all of this. And I like that about it. I think Congress wouldn't put it into place. If we weren't allowed to pull the lever and make that happen, it does make it organize it. It helps your staff to be able to do the work that they want to do and to help people to get into employment. So I think that is very good. Do you have any thoughts for your colleagues on that too? Because I've had several calls, even in the last week. Again, people are like, I think we're looking at this. Any tips for people out there?   Chanda: The one thing I would say is relook at your CSNA, get familiar with your data that's out there. That's going to be important as you look at amending your state plan and contact RSA sooner than later. I had received that advice from a colleague and that was I wouldn't, I don't think have naturally contacted RSA that soon in the process and I'm glad I did.   Carol: Yeah, that's 100% smart advice. Definitely talking to your team sooner than later. They can help you along the way, for sure, with that. Well, I wish you good luck with all that implementing. I know it's tough. I mean, it is tough in the messaging, but I know also you have built back from even when we talked in 21 that financial solid group. And so your fiscal forecasting is on Anna is on it. You have really good people and they are doing really good stuff with making sure you have the data for making good decisions. I just think your team has been very amazing and that has been an a lot credit to you in helping to build that foundation.   Chanda: Well thank you. We have an awesome team and I truly can't believe that that podcast was four years ago. That was definitely a different time. And we have improved and built infrastructure now, sound methods and internal controls. So it's good to know that the decisions that we're making are dead driven, inaccurate, and that is what we need to do to stay healthy.   Carol: It's a whole different world. It really is. And it is funny. It's been four years, but I sure appreciate you being on today. And so this does wrap up my final episode of The Manager Minute, and I want to say thanks to every listener, guest, and colleague who's been part of this journey. Keep leading with purpose and passion because what you do changes lives every single day. And Jeff, you get the honor of hitting the lights. We're `out.   {Music}   Outro Voice: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

You know that sneaky trap called the “excellence zone”? It's those tasks you're pretty good at, maybe even enjoy a little? For me, it was organizing client financials into spreadsheets and setting up systems. The trap is that because you're good at it, it's easy to keep doing it yourself. Even when it's time to let it go.But every minute you spend there is a minute you're not spending in your true zone of genius. That's the sweet spot where you're making the impact you wanted to make when you first went into business.This week, I'm sharing what happens in these two zones after you hire your first team member. And it might not be what you think. I learned the hard way that trying to train my first hire while maintaining my full client load was like trying to build a house while also running a marathon. Something's got to give.I'll walk you through our practical seven-step training process that takes more time up front but means you're catching fewer errors on the back end and putting out a lot fewer fires later. You'll learn why blocking off 20% of your client hours during training is actually an investment in an amazing new team member, not a loss of time or revenue.Some of our biggest leaps forward at Fiscal Fitness, my own coaching practice, happened after I learned to let go and trust my team. Now imagine if all your time was spent just coaching clients. How would that feel? That is possible for you, and I'll show you how to get there step by step.Links & Resources:Ultimate Growth GuideJoin the Facebook groupKey Takeaways:Hiring your first support person might actually be harder than launching your business because you're learning a completely new skill set while still running everything.Your “excellence zone” is a sneaky trap. Those tasks you're good at keep you from your true zone of genius where your business actually grows.Create a “rainy day project” for your new hire. They need productive work when waiting for your input, not just idle time.Before bringing someone on, set up a growth fund. Small savings now will cushion the temporary revenue dip later.Scheduled check-ins work better than constant availability. Try 9 a.m., noon, and 4 p.m. meetings instead of answering questions all day.Let them teach it back to you. When they demonstrate what they've learned, you'll see what they've truly absorbed.Trust unlocks growth. Some of your biggest business leaps will happen only after you learn to let go and truly trust your team.

When a potential client reaches out to you about financial coaching, they're often feeling worried and doubtful. They might even be telling themselves they're “too far gone” for help. That's exactly why those first interactions matter so much.In this episode, we're talking about how to handle those early conversations with confidence (even if you're feeling nervous on the inside). You'll hear about practical, affordable tools that help you look professional from day one, and why making actual phone calls—yes, real phone calls!—can be a game-changer for connecting with potential clients.For newer coaches who worry about being too pushy, we're sharing a simple three-touch system that takes the guesswork out of following up. You'll learn why timing these follow-ups every two weeks (hint: it has everything to do with when people get paid) can make a huge difference in converting interested people into clients.I'm also sharing the exact welcome sequence we use at Fiscal Fitness, my own financial coaching practice, to help new clients feel supported and excited about their decision to work with us. These are the same strategies I used when I was just starting out, before I had a team to help me.Remember what I always say—consistency beats complexity every time. You don't need to implement everything at once. Start with one thing, master it, then add another. That's how you build a coaching practice that truly serves your clients while feeling manageable for you.This is the first part of our special series on delighting your clients, and you won't want to miss what's coming next.Links & Resources:Ultimate Growth GuideJoin the Facebook groupClient Journey RoadmapEpisode 97: Working On Your Business vs Working In itKey Takeaways:A confused buyer doesn't buy, so keep your initial communications clear and simple, without overwhelming them with details.Looking professional doesn't have to be expensive—$16 a month covers both a business email and phone line to start looking established.When clients ghost you, remember this: they're most likely to respond two weeks after your last contact, right when their paycheck is running low.Your quick audit call isn't for coaching. It's a 15-20 minute conversation to see if you're the right fit for each other.Those early “I messed that up” moments on client calls? They're not failures—they're your path to becoming a better coach.The best time to ease buyer's remorse is right after they say yes—a simple welcome call can transform doubt into excitement.Your client's belief in what's possible with money starts by borrowing yours. Share your excitement about their future progress every chance you get.

Ever sat on your couch on a Saturday night, watching a movie with your family, when suddenly you get a notification that someone just booked a session with you? But instead of scrambling to send emails and set up reminders, you can keep watching that movie, knowing everything is happening automatically—from payment processing to welcome emails to calendar updates.That's the power of having the right systems in place. In this week's episode, I share some hard-learned lessons about choosing and setting up business tools—including a "ticking time bomb" mistake that nearly derailed one coach's entire business. Whether you're just starting out or feeling overwhelmed by managing multiple clients, this episode shows why keeping things simple might be your smartest move.You'll hear real stories about coaches in the trenches, including one who was literally afraid to take on new clients because she didn't trust her systems to deliver consistently. Plus, I'll explain why that "all-in-one" platform you're considering might be the riskiest choice you could make.Want a list of my favorite tools that keep Fiscal Fitness, my own financial coaching practice, running smoothly? Head to financialcoachacademy.com/resources.Links & Resources:Ultimate Growth GuideJoin the Facebook groupFind the resources mentioned in this episodeKey Takeaways:Start small, usually with just a scheduling tool. Add other systems only when you need them.Keep your tools separate instead of using all-in-one platforms. It's safer and more flexible for your growing business.Build your systems around your client journey, not the other way around. Think of support first, then make it automatic.Own your tools and data. Never use someone else's account or agency model. Your business deserves its own foundation.Manual processes teach you what works. Learn from doing things by hand before automating.The less organized you are naturally, the more you need solid systems. Let technology be your strength.Time for better systems? When you're afraid to take on new clients or spending too much time on tasks that could be automated.

When was the last time you REALLY took a hard look at your balance sheet, budget and bank accounts?!?!?! Join us on Women Lead Radio as John Burroughs, your host of Your Financial Fitness, has a conversation with Michelle Bergquist, CEO & Co-Founder of Connected Women of Influence (www.connectedwomenofinfluence.com). Listen in as they discuss your fiscal fitness! Time to dig into your plan... if indeed you have one.   Sponsor Appreciation! Thank you to our partner and show sponsor, National University (nu.edu)!   Interested in Learning More About Connected Women of Influence? Click Here (https://connectedwomenofinfluence.com/attend-an-event-as-our-guest/) to Be Invited as Our Special VIP & Guest to a Future Event!   Interested in Becoming a Member of Our Professional Community!? Click Here (https://connectedwomenofinfluence.com/membership-application/) to Apply for Membership!  

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Are your finances in better shape than they were three weeks ago? Let me, Ken Joslin, regale you with the triumphs and revelations from our 21-Day Financial Fitness Challenge. We've journeyed together from constructing robust financial foundations to crafting budgets and squaring off with debt. Hear about the small yet mighty victories that count, like axing those sneaky subscriptions and the wisdom behind automating savings. Ever pondered the link between decluttering and profit or how to impart entrepreneurial savvy to the young minds in your life? This episode uncovers those insights and reinforces the habits that align our spending with our deepest values, all while keeping an eye on the future through wise investments.Victory isn't just about numbers; it's about cultivating a mindset that champions financial acumen. This chapter of our financial saga delves into the power of punctuality in payments and how a simple daily financial tracking habit can revolutionize your life. I'll share anecdotes from our GSD collective members whose lives have been transformed by embracing a 'millionaire mindset'. Plus, discover through tales of entrepreneurial success, the critical need for vigilant financial management. As our financial challenge wave crests, I want to extend a heartfelt thank you for your support, which has sent our podcast soaring to new heights. Make sure you stick around for the heartfelt sign-off and a tease of what's next on the agenda.Welcome to the ATLG podcast I am your host Ken Joslin, former pastor turned coach & host of CREATE, the #1 Faith-based Entrepreneur conference in America. My mission is to help faith-based entrepreneurs become the best version of themselves by growing in our Core 5: Faith, Health, Relationships, Business & Finances. You can get more information as well as join our FREE Facebook group at https://www.facebook.com/groups/676347099851525 If you enjoyed this episode, please share it on social media and tag Ken Joslin.

Ready to ignite a financial revolution within yourself? Strap in as I, Ken Joslin, guide you through week two of our thrilling 21-day challenge that melds physical fitness with a complete fiscal transformation. Last week, we armed ourselves with budgeting know-how courtesy of Dave Ramsey, tackled debt head-on, and built the bedrock of an emergency fund. Now, I'm taking you deeper into the trenches of personal finance, revealing how a simple weekend of not spending can rejuvenate your wallet, and why meal planning could be your secret weapon in the battle against financial flab. Plus, we'll explore ways to boost your income that could lead to profound changes in the way you interact with the world around you.But wait, there's more! Ever feel like your cash is quietly leaking away? Well, I've been there, and I'm exposing the silent cash-drains of subscription services. By cutting over $500 from my monthly outgoings, I've unlocked secrets that could help you do the same. Discover how the Stash app is revolutionizing my savings strategy, and how you can apply similar tactics to start building a future that includes real estate investments or other wealth-building ventures. Don't miss these transformative financial fitness tips that promise to set the stage for a life rich with opportunity.You can register & join us at growstackdrive.com/challenge Welcome to the ATLG podcast I am your host Ken Joslin, former pastor turned coach & host of CREATE, the #1 Faith-based Entrepreneur conference in America. My mission is to help faith-based entrepreneurs become the best version of themselves by growing in our Core 5: Faith, Health, Relationships, Business & Finances. You can get more information as well as join our FREE Facebook group at https://www.facebook.com/groups/676347099851525 If you enjoyed this episode, please share it on social media and tag Ken Joslin.

Ready to revolutionize your financial well-being and stride into a future of fiscal fitness? That's exactly what we're here for! Join me, Ken Joslin, and our vibrant GSD Collective as we tackle the 21-day Financial Fitness challenge, designed to arm you with the tools and tactics necessary for cultivating robust money habits. We're not just talking about skimming the surface—by the end of this series, you'll be equipped to create a solid financial base, swiftly master budgeting with a quick and efficient tool, devise a smart plan to overcome debt, and appreciate the imperative of maintaining an emergency fund. This is your chance to fortify your financial literacy and habits for enduring prosperity.Then, we take a moment to reflect on the enlightening epiphanies from my own life—like the startling amount of savings one can uncover simply by auditing those pesky, forgotten subscriptions. Who knew that a casual glance at my accounts with Rocket Money would unveil a forgotten Netflix subscription and lead to a stunning $600 in monthly savings? I'll guide you through a similar process, so you can uncover any hidden financial drains and redirect that cash to where it truly belongs. So, tighten your financial belt and prepare for more eye-opening insights next week! Don't let this chance pass you by; download your free ebook and start your transformation today.Welcome to the ATLG podcast I am your host Ken Joslin, former pastor turned coach & host of CREATE, the #1 Faith-based Entrepreneur conference in America. My mission is to help faith-based entrepreneurs become the best version of themselves by growing in our Core 5: Faith, Health, Relationships, Business & Finances. You can get more information as well as join our FREE Facebook group at https://www.facebook.com/groups/676347099851525 If you enjoyed this episode, please share it on social media and tag Ken Joslin.

Key differences between a financial advisor and a financial coachPsychological barriers people face in wealth management and tips to address them Tips for managing finances as a couple Misconceptions about working with a financial coaches The Life & Money Show Spotlight:Your Life & Money: What is one thing you're doing to live a meaningful and intentional life by design?Other's Life and Money: What is one life or money hack that you can share that will make an impact in others' lives right now?Life & Money in the World: What's the one thing you're doing right now to make the world a better place? RESOURCES/LINKS MENTIONEDThe Grit & Grace of Working Parents with Dr. Stephanie Wong | Apple PodcastsUnited WayAllyThe foster care-to-prison pipeline: A road to incarcerationGet fiscally fit today! Visit https://fiscalfitnessphx.com/ and sign up for our email list to receive financial strategies and insights straight to your inbox for FREE. Ditch the stress and start your journey to financial confidence now.  ABOUT KELSA DICKEYKelsa is a financial coach and the CEO of Fiscal Fitness Phoenix. Armed with degrees in personal finance, economics, and accounting, along with extensive licensing as a financial advisor, she initially pursued a career in traditional financial advising. However, despite her expertise, her own experiences of financial stress led her to develop the ‘Plan Ahead Method,' a revolutionary approach tailored to align with individual lifestyles and spending habits. CONNECT WITH KELSAWebsite: Fiscal Fitness PhoenixPodcast: The Financial Coach Academy® PodcastInstagram: @moneycoachkelsa CONNECT WITH US To connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook.For show notes or to listen to previous episodes, visit the Life and Money Show website.  To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club. Be sure to also grab your free copy of the Investing For Good book (just pay S&H)-- Thanks for listening, and until next time, keep investing for good!

In this episode we talk with Anthony Gurrieri. As a Certified Financial Educator he helps people understand how money works. He dispels some myths about money and imparts some valuable information. Anthony can be reached at: 630-730-9650 or https://howmoneyworks.com/anthonygurrieri

Prepare for the upcoming fiscal year with a fresh perspective! As your organization approaches the new fiscal year, exciting changes are on the horizon: new board members, fresh officers, and the possibility of a new board chair. Stay proactive and take charge by initiating your turnover processes, revisiting your mission, vision, and values, and strategizing for the board's path in the upcoming year. Tune in to this episode of I 501(c) You - The Podcast for NonProfit Board Members, where we delve into these essential topics and more!   Timestamps: 00:00 - Episode starts 00:50 - How to prepare for the beginning of the fiscal year 01:42 - Talk about strategy of the board for the next fiscal year 02:20 - Prepare for CEO evaluation 03:10 - Conflict of interest update 03:25 - Reflection on the past fiscal year   Join us every week as we release a new podcast with information about how you can be the best board member and provide great service to your organization. Listen to the podcast on any of the following platforms: Apple Podcasts Spotify Podcasts Amazon iHeartRadio Visit us at: www.thecorleycompany.com/podcast

With just north of $12 million in available salary cap space, the New England Patriots are moving forward with signing members their 2023 NFL Draft class. Though Kayshon Boutte was the first domino to fall, the contracts of Christian Gonzalez, Keion White, Marte Mapu and more await. Host Mike D'Abate welcomes Miguel ‘PatsCap' Benzan for the latest on the Patriots salary cap situation, including rookie contracts and possible restructures of tight end Hunter Henry and more. Find and follow Locked On Patriots on your favorite podcast platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/locked-on-patriots-daily-podcast-on-the-new-england/id1140512627 Spotify: https://open.spotify.com/show/1c5ZxFmwg3WbfxAU3tR5Ve?si=k196wH-yRqifUcQQz8SjIQ Stitcher: https://www.stitcher.com/show/locked-on-patriots And follow host Mike D'Abate on Twitter, where he'll be sharing the latest news about the New England Patriots and talking with fans. Twitter: @mdabateNFL Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. FanDuel Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON.  FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG(CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat(CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

With just north of $12 million in available salary cap space, the New England Patriots are moving forward with signing members their 2023 NFL Draft class. Though Kayshon Boutte was the first domino to fall, the contracts of Christian Gonzalez, Keion White, Marte Mapu and more await. Host Mike D'Abate welcomes Miguel ‘PatsCap' Benzan for the latest on the Patriots salary cap situation, including rookie contracts and possible restructures of tight end Hunter Henry and more.Find and follow Locked On Patriots on your favorite podcast platforms:Apple Podcasts: https://podcasts.apple.com/us/podcast/locked-on-patriots-daily-podcast-on-the-new-england/id1140512627Spotify: https://open.spotify.com/show/1c5ZxFmwg3WbfxAU3tR5Ve?si=k196wH-yRqifUcQQz8SjIQStitcher: https://www.stitcher.com/show/locked-on-patriotsAnd follow host Mike D'Abate on Twitter, where he'll be sharing the latest news about the New England Patriots and talking with fans.Twitter: @mdabateNFLSupport Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order.FanDuelMake Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG(CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat(CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Julia S. Demkowski MBA, CMC® is the author of 7 Deadly Sins ALL Business Owners Commit the founder and CEO of Stanford Management Consulting, aka Stanford, LLC. A leading business expert and founder of the Boot Camp Series: Fitness for Your Business, including the Fiscal Fitness program, Julia teaches business owners and executives how to develop and implement strategies for improved performance, growth, and profitability. Julia has, for over 30 years, guided companies in strategic planning, financial and business analysis, organizational policy and procedure development, and executive coaching. https://www.stanfordmc.com/https://www.amazon.com/Deadly-Sins-Business-Owners-Commit/dp/B0BZ377667Ellie Cullen is the author of Normal Blood Test Scores Aren't Enough! and president of Your Future Health, the premier blood testing and customized nutrition analysis company since 1976. Their mission is to improve lives worldwide by delivering customized, innovative healthcare solutions of unmatched quality and value. They empower their clients to take a proactive approach to their health by helping them understand, improve, and take control of their health. https://www.yourfuturehealth.com/This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3240061/advertisement

Metaverse, blockchain, cryptocurrency, web3, DeFi - these aren't just buzzwords. They are terms that are rapidly changing how transactions are happening right now. The idea of having closings take place on the blockchain, and doing down payments in crypto sounds extremely futuristic, but this is now a reality.    Real estate is fraught with fraud, but implementing the blockchain in how we buy and sell homes is already solving this problem.    What do agents need to know about all these concepts?   In this episode, Realtor, speaker, and real estate tech pioneer, Amy Chorew helps us wrap our heads around Decentralized Finance and gives us the scoop on where the opportunities are.     Three Things You'll Learn In This Episode    - Common consumer problems that will be solved by the blockchain  How is blockchain changing everything from health records to buying cars?    - The immutability of the blockchain Will the blockchain eliminate a lot of the fraud we see in real estate?   - 4 ways the blockchain is enabling an easier home-buying process Can people get access to capital and collateral via blockchain?     Guest Bio   Amy Chorew is an active Realtor, speaker, and educator. She is involved in new home sales, investment properties, and listing well-staged homes in Connecticut. Since 2008, Amy has been on the national speaking circuit teaching industry professionals about technology and sales strategies to help improve their real estate business.    Her learning and consulting company “Curated Learning” is responsible for helping organizations and real estate companies enhance their training content and platforms. Onboarding programs, new agent training, and top agent programs have been their focus. Amy is working on launching three new programs: Web3, Blockchain, and Real Estate, Value Proposition – How to articulate your value to today's consumer as well as a program called Fiscal Fitness. Working with a CPA this program will make sure real estate agents are keeping more of the money they make and investing it wisely!   Amy is also active as a committee member on two of NAR's committees, Data Strategies, and Federal Technology Policy. She is also a member of the Women's Council of REALTORS® and various training organizations.   To find out about Amy's Web3 course, send an email to amy@amychorew.com.

This week we are joined by Julia Demkowski to discuss "How To Overcome 7 Deadly Sins That All Business Owners Commit". Julia works with business owners who want to streamline their operations and accelerate true, business growth. As a speaker, she conducts presentations, including her bootcamp series, Fiscal Fitness that zeros in on how to increase cash flow and find hidden profits. In fact, her new book, 7 Deadly Sins All Business Owner's Commit reveals a fresh approach to systems, strategies and structure that will increase productivity and provide accountability for results. As a result of her work, people often share they are more focused on what matters, reduce stress, have more fun and make more money. For over 30 years she has guided companies with strategic planning, financial and business analysis, organizational policy and procedure development, and executive coaching. For more information: https://www.linkedin.com/company/stanford-management-consulting IMC event click here: https://www.imcusa.org/2022-conference-registration Please visit our website to learn more https://indiebooksintl.com Marketing With A Book Podcast Episode 80 Recorded 9/6/2022

Join Walter and Katy Glenn for marriage sensation as they provide us with helpful tips on making our marriage become better. Today's topic is "Fiscal Fitness". Listen and be blessed.

Join Walter and Katy Glenn for marriage sensation as they provide us with helpful tips on making our marriage become better. Today's topic is "Fiscal Fitness". Listen and be blessed.

Instead of a housing market crash during the COVID-19 recession, median home prices are up a staggering 24%. And as every 7 year-old in the world knows, all bubbles burst, 100% of the time. Will such an event be good news, bad news or no news for you?

While some Financial Advisors are diligent, thoughtful, and thorough, others are lazy as hell. Here are 7 smart questions to ask who you have hired or are thinking of hiring.

Star stock picker Cathie Wood is betting on “innovation” at the same time Michael Berry (who predicted the subprime mortgage crisis) bet big against her fund. Join us to see what this may mean to you.

Congress did something good. Now 401(k) plan sponsors have a green light for offering investments that provide guaranteed income for life. Join us to see how annuities can become a major power tool to helping you plan your financial success.

August is often the most negative volatile month in the year. In the final 3 months of all bull markets since 1970, 4 sectors have performed the worst. Now is the time to be prepared.

Instead of a housing market crash during the COVID-19 recession, median home prices are up a staggering 24%. And as every 7 year-old in the world knows, all bubbles burst, 100% of the time. Will such an event be good news, bad news or no news for you?

The U.S. could well be following other countries bracing for the Delta variant impact. Tune to discover what's scaring our medical experts now and how to keep you and your loved ones safe

The U.S. could well be following other countries bracing for the Delta variant impact. Tune to discover what's scaring our medical experts now and how to keep you and your loved ones safe

Expert will reveal how employers are working to overcome today's most common recruiting and retention challenges. See how you can apply the takeaways to fill skill gaps in your own organization.

Does this sound familiar to you? · 71% worried about the rising costs of healthcare · 67% worry about rising costs of living · 66% afraid market downturns will affect their savings · Only 1/3 have broached the subject with their advisor Tune in to put light on the subjects!

You will undoubtedly hear in the news about The Federal Reserve Bank of Kansas City hosting a modified, in-person program for this year's Economic Policy Symposium, “Macroeconomic Policy in an Uneven Economy,” in Jackson Hole, Wyoming, August 26-28, 2021. Dozens of central bankers, policy makers, academics, and economists from around the world will be in attendance. I mention this for two reasons; the papers will be available at kansascityfed.org as they are presented. More significantly, we won't be in attendance but we are interviewing my friend Lacy Hunt, Ph.D. who could have been Chairman of the Federal Reserve and you will have access to him at our show

Lumber prices have experienced one of their biggest and quickest plunges in history. Futures contract dropped more than 40% in 25 trading sessions. That current plunge is a bearish sign for stocks. August through October tend to be weak months and are riper for seasonal crashes. Prepare for wealth transfer today.

The federal government's foreclosure moratorium is ending later this month. We'll look to see if that portends foreclosures are about to come roaring back.

Business giants like Google, Facebook, and Apple were once just ideas. Contemporary ideas coming from the minds of people hold equal potential to influence the world order. The only difference is in the realization and execution. Tune in for bright ideas you can use for your successful business.

During the 2018-19 school year, students received $41.3 billion in federal grant aid alone to help pay for college. Scholarships and grants aren't completely free money for college-you must compete for them- but they can save students and their families from debt.

Hosts Alan and Susan start off discussing their impromptu vacation to Daytona Beach. With both having their own businesses, budgeting for a vacation also means taking into account lost income. This immediately leads to a discussion over finances. Many couples and marriages end over financial disagreements and debt. Alan and Susan take the audience through some of their own trials and tribulations related to finances. They hope you will maybe learn a few things from their mistakes. They also offer some advice, including the five kinds of spenders and tips for saving. By the end, hosts Alan and Susan put forth a challenge to themselves and the audience to pick a day (or a week) to not spend any money other than for budgeted items. Rate, Review, Share and Follow! If you enjoy the show, please take a moment to like us on Facebook and follow us on Instagram and Twitter. You can also learn more about us and the show by visiting our website. Finally, take a moment to rate, review and share. Thank you so much for listening.

So many Americans are terrified over the time yet to come. Meet students who show us why we can enjoy the present as we look forward to a compelling future.

It is reasonable to believe that there will soon be a significant increases in Americans filing for divorce. Unfortunately too many people rely on their friends for advice. Since upwards of 90% settle it's a good idea to see how to play the game with a new attitude.

Every day, 10,000 Americans turn 65 which qualifies them for Medicare health coverage. Many applicants don't understand Medicare so they make costly mistakes as a result.

Central banks would have you believe stimulus will always make the economy grow no matter what. With a rising U.S. population between 1964 and 2000, labor hours employed per capita rose by a robust 40%. Since 2000, however, labor hours employed per capita have declined by nearly 9%.

There was an astonishing surge in leverage in late 1999 that peaked March 2000. A similar gush peaked July 2007, three months before the market peak. This interesting indicator is worthy of watching.

Join us to learn why this question is a hot google search. We'll also reveal the 50 areas that may bust first.

Did you know margin debt often precedes market volatility, like 2000 and 2008? Margin debt reached new highs 12/20 as more investors borrowed against their portfolio usually to buy more stock. Throwing darts in the dark can become devastating with a margin call.

Are you planning on leaving your family money or are you believing you are going to be left money? Either way, the investments can be depleted due to long term care costs.

What's an investor to do? The extreme demand for portfolio hedges suggest that all is not well for the U.S stock bull run, which is on shaky ground between rising Treasury yields and extended lockdowns.

Life is so busy and complicated many Americans never get around to planning for their financial success.  But the government could make the job a lot easier by making auto-enrollment a requirement at work.

Instead of spend, baby spend, many households plan to “save” their next stimulus checks. Before your check shows up, what do you plan on doing with the money?  In one survey we find that Bitcoin is more popular than stocks among those receiving stimulus money.

Private landlords do not always see that they are earning lower returns on their investment.  Many fail to count taxes, rent control, ordinary expenses, and changing weather conditions. No one expects rising prices and rents to be any different from recent history.

We all know the old adage, “The rich get richer and the poor get poorer.”  While the pandemic helped the richest people, the recovery for many could take over a decade.  Tune in to discover what can be done to remedy the gap of income and wealth inequalities.

In fantasy land stock prices are reasonable because rates will stay the lowest you have witnessed forever. Set that fantasy aside and the rationale collapses like Humpty Dumpty.  What's an investor to do if sub-par returns persist in the years ahead?

Created consistently since 1953, China just completed their 14th policy blueprint for 2021-25.  With our trademark, ‘The proof is in the planning', and our belief that luck is not a strategy, let's be inspired to draft your family plan.