Podcasts about freedom one

He Built An $80 Million Disaster Response In 60 Days Without the Government Adam Smith's Story When Hurricane Helene devastated Western North Carolina, one man stepped up—without orders, without funding, and without waiting for permission. Former Green Beret Adam Smith shares how he led a volunteer force of thousands, delivered over 5.5 million pounds of aid, and created an $80 million impact in just 60 days—all while government agencies scrambled. This raw and unfiltered conversation with Jeff Dudan breaks down the failures of federal disaster response, the rise of the "Redneck Air Force," and what real leadership looks like under pressure.

THE WES BUCK SHOW – EPISODE 383“THE WIDE OPEN & WILD EDITION”CANCEL YOUR MEETINGS, GRAB A COLD ONE, AND BUCKLE THE HELL UP—BECAUSE THIS WEEK'S SHOW IS HITTIN' HARDER THAN A HOLESHOT AT ZMAX!We've got winners, wild rides, and a little bit of air time (literally) on this week's episode of The Wes Buck Show, and it's one for the books.First up, J.R. Gray is stoppin' by after throwin' down an absolute statement win in NHRA Pro Mod at the Four-Wide Nationals at ZMAX Dragway. The man showed up to Charlotte and left with the W. We're talkin' all about how he pulled it off and what's next for one of the baddest dudes in the class.Then we've got Matt Smith, a multi-time champ and one of the most dominant forces in Pro Stock Motorcycle, who just added another win to the trophy case. The guy's a beast, and you already know he's gonna bring the fire when he jumps on the mic.And just when you think it couldn't get crazier, we're goin' from dragstrips to the open water.Ryan Olah and his brother Noah Olah are joinin' us after their shootout boat wreck at Lake Havasu went viral. We're talkin' full-blown airborne, a boat that launched like a Funny Car, and somehow they walked away. We'll hear the whole story from the two of the crew guys that make it all happen on that Freedom One rocket.Fast cars, fast bikes, and flying boats.Only on The Wes Buck Show.Wes Buck, JT “Murder T” Hudson, and Mike Carpenter are bringin' the chaos, the conversation, and a little bit of nonsense—just how we like it.DON'T MISS IT! LET'S GOOOOO!⸻Each week on The Wes Buck Show, Wes Buck, JT “Murder T” Hudson, and Mike Carpenter bring their unique insights and analysis to the most electrifying moments and storylines from a packed weekend of drag racing.

In this episode, we're talking with the team behind Freedom One Racing, a new name making waves at this year's Lake of the Ozarks Shootout. The Shootout's loose rules invite wild setups, and Freedom One didn't disappoint, bringing a brand-new 388 Skater powered by twin 4,000-hp 4.9-inch bore, all-aluminum Noonan Hemi Pro Mod drag racing engines.  The boat's engines are a marvel of engineering much of which is familiar to the 1/4 mile crowd, but unconventional to general marine performance guys. Topped by PSI screw blowers, the engines feature dry blocks (no water jackets) and require no cooling system. They employ MoTeC engine management systems and route the power to the surface drives through Coan Turbo 400-style three-speed transmissions.  The Freedom One boat was purpose-built for shootout style events like LOTO and came together just days before hitting the water. While some mechanical hiccups kept them from a full-speed pass, they still managed to hit 170 mph officially (202 mph unofficially). Not bad for their first outing!   We hear from team members Noah and Ryan Ola and Ryan Greco, as they discuss how this project came together, their big plans to break the LOTO top speed record, and why Freedom One is more than just a racing team—it's a philanthropic effort with a mission to give back. This episode is brought to you by: SoCal Jet Boats the #1 online performance boating community forum, manufacturers of the coolest River Attire, hosts of the the Summer Tour with 6+ events along the Colorado River, and owners of The SoCal Jet Boat SpeedShop. Visit SoCal Jet Boats at www.socaljetboats.com on Instagram at @SoCalJetBoats and Facebook @SoCal Jet Boats Contact SoCal Jet Boats (702) 970-7252 orders@socaljetboats.com Follow Freedom One Racing on Instagram @freedomon_racing and on Facebook @Freedom One Racing Learn more about the Lake of the Ozarks Shootout at www.lakeoftheozarksshootout.com Visit our website at www.powerboattalk.com  View the video for this episode: www.youtube.com/@powerboat_talk  Follow us on Instagram @powerboattalk and Facebook @Powerboat Talk  Contact me: powerboattalk@gmail.com              

Prayer Requests If you would like prayer this week for any struggles you may be having or would like to share a way that God has touched your life through this message, feel free to send us a message on Facebook! http://m.me/landmarktyler or send us an email to: prayer@landmarktyler.com Give Online If you would like to give online, you can do so securely through PayPal! http://giving.landmarktyler.com Sermon Videos Sometimes you need to rewind and hear a message again to discover new things The Lord is speaking to you! You can watch all of our previous sermon videos on our video page! https://video.landmarktyler.com Sermon Audio Podcast Want to relisten to your favorite sermon? Did you miss a week and want to catch up on the go? You can subscribe to our sermon audio podcast! http://audio.landmarktyler.com Thank you so much for tuning in this week! We pray this message blessed you, and we'll see you next week! #LandmarkBaptistChurch

Harvinder Kaur Ratol is a former tennis player who wanted to bring in more money while also having more time freedom. Tune into this episode of Wake Up Legendary to hear how she is building her path to freedom through a 143K Instagram following. Subscribe to Legendary Marketer on Youtube Follow Legendary Marketer on Facebook Follow Harvinder on Instagram

Have you ever wondered how far local governments will go to make an example out of someone they disagree with? Studio Sponsor: Cardio Miracle - "The finest heart and health supplement in the world!": https://www.briannicholsshow.com/heart In this eye-opening episode, host Brian Nichols talks to Daniel Banyai, a Vermont resident who built a firearms training facility on his rural property, only to become the target of an intense backlash from local officials, and even an alleged local Ku Klux Klan group. We learn how Daniel purchased 30 acres of land in rural Vermont to open a small firearms education facility for safety training and practice. Though he went through proper permitting procedures, the town did not approve of having a gun range so closeby. A few years later, Daniel faced organized opposition from not only the town but also an extremist group called the "Warren Switch Clan," claiming to include local KKK members. The discussion covers whether Vermont's pro-gun reputation is accurate, why Daniel refuses to back down despite endless legal battles, and what "winning" would look like in this case. Daniel explains how he realized in 2019 that the fight had become bigger than himself, after local minority groups who had experienced discrimination reached out to him for support. Daniel emphasizes the importance of accountability and using his upcoming documentary to shine a light on the shocking attitudes and behaviors still present in parts of Vermont. Though he may never gain acceptance locally, Daniel hopes to make an example through nonviolent means like protests and constitutional activities. Ultimately, it's a startling portrait of abuse of power and discrimination hiding below the surface of a supposedly progressive state. Tune in to hear the full story direct from Daniel and decide for yourself what should be done when local governments overstep in such dramatic fashion. ❤️ Order Cardio Miracle (https://www.briannicholsshow.com/heart) with code TBNS at checkout for 15% off and take a step towards better heart health and overall well-being!

Caroline Muir, OG of the sacred sexuality world, pioneered teaching Tantra practices with her former husband, Charles Muir, bringing consciousness to sexuality across the globe since the 1980s. A prolific author and revered teacher, Caroline continues empowering women to tune into their divine feminine energy.SHOW HIGHLIGHTS:Sacred spot massage unlocks emotional healing in the yoni beyond just physical pleasureOvercoming sexual trauma through patience, consciousness, and reprogramming neural pathwaysHonoring the lingering inner child while moving through present sexual experiencesNurturing friendship during and after divorce through conscious relating skillsDiscussing variations of monogamy from mono/polyamory to “monogamish”Caroline's gift of a discovery call for interested listenersEPISODE LINKS *some links below may also be affiliate linksCaroline Muir- WEBSITETantra, The Art of Conscious Loving- BOOKTantra Goddess- BOOKFree Discovery Call- FREE GIFTFree 3-Part Video Series- FREE GIFTCaroline Muir- YOUTUBECharles Muir- SxR EPISODE #09 Vulva Oracle Julie & Sierra - SxR EPISODE #25 Leah & Willow's King & Queen of Hearts Intimacy Toolkit is on sale. Use Coupon Code KINGANDQUEEN10 for 10% off. https://www.sexreimagined.com/the-king-and-queen-of-hearts Awaken Arousal Oil Lubricant "I had a 3-minute orgasm and then a 5-minute orgasm." - Beth https://exploreforia.com/awaken-so?irclickid=wyXW6byI5xyNWouwIoQAUS1GUkAx4m1JsS6bSc0&utm_medium=affiliate&utm_source=Impact&utm_campaign=Sex%20Reimagined&utm_cSupport the showSxR Hotline | SxR Website | YouTube | TikTok | Pinterest | Instagram | Dr. Willow's Website | Leah's Website

Did you know that HSLDA has helped members in a wide variety of homeschool-related cases from veteran affairs and social security benefits to issues with local school districts? Listen in as Kevin Boden (HSLDA Staff Attorney) and Jim Mason (HSLDA President) discuss past cases that have had significant influence on homeschool freedom and why these cases serve as a reminder that we must, as James Madison said many years ago, “take alarm at the first experiment on our liberties.”  “It would have been really easy [to comply with the school district]. . . . [But] by standing up at that very early intrusion into liberty, not only do other school districts in Virginia not follow suit . . . but it also [tells] these officials that homeschoolers know the law; they respect and follow the law, but they want you to do that too. And they will make you do it if you don't do it in the first place.”—Jim Mason

In Episode 1075 of One Piece. Luffy Concentrates on taking Down Kaido whilst Enjoying The Fight and his new Found Powers Known as Gear 5. The Rest of the crew have to find a way to survive the Raging and Roaring Fire of Kaido's Castle Being On Fire Which had been going on for a couple of episodes. Episode 1075 was Great and the conclusion of the fight is getting closer i wonder how the ending of the fight will go. I Hope You Enjoyed This Video Comment Down Below What You Thought Of The Episode.? DOES LUFFY REPRESENT FREEDOM?! What are your overall thoughts on One Piece Episode 1075 so far?. If you enjoyed DOES LUFFY REPRESENT FREEDOM?! | One Piece Episode 1075 Video drop a like. Subscribe So You Don't miss a One Piece Video. Thanks for watching! Follow The Socials: Podcast: https://open.spotify.com/show/5knAeTAYpIE0RuswBrKfVe?si=a713499c4f2a42a5 Instagram: https://www.instagram.com/roose366 Gaming Channel: https://www.youtube.com/@RooseJp Twitch: https://www.twitch.tv/roosejp --- Send in a voice message: https://podcasters.spotify.com/pod/show/roose366/message

Independence Day Idioms...Is Freedom One Of The Main Reasons To Supersize Your Business? Pop in daily for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #whatthingsmean #freedom

Independence Day Idioms...Is Freedom One Of The Main Reasons To Supersize Your Business? Pop in daily for a dose of different business building perspective: https://facebook.com/supersizebusiness #supersizeyourbusiness #whatthingsmean #freedom

Freedom. It's a word associated with Independence Day. This week I have a special guest that will talk about all kinds of freedom, for better or worse. There is the fight for freedom, the soldiers who go to war to preserve the rights of freedom. There is also the freedom of choice that can sometimes lead us down paths that cause serious consequences. Jack has been on both paths and what he shares can impact us all for the better. See omnystudio.com/listener for privacy information.

Are you feeling stressed out and overwhelmed? Do you find yourself suppressing emotions and putting on a brave face, even when you're struggling? If so, you're not alone. In today's fast-paced world, it can be hard to find the time and space to truly connect with our emotions and process what we're feeling. This week On This Walk, my walking partner is Fish Fischer, co-founder of Somatic Breathwork™️, an emotional wellness modality designed specifically to help people clear out suppressed emotions, trauma, stress, and anxiety. We discuss Fish's journey from being a caddy in the PGA to discovering the benefits of somatic breathwork in helping him overcome stress and anxiety. We also explore the use of breathwork and somatic practices in helping men move through deeper blocks and feelings of being stuck. Furthermore, we emphasize the importance of emotional intelligence and embracing our emotions to become more grounded and powerful leaders. In This Episode (03:02) - The benefits of somatic breathwork (06:02) - The repression and suppression found in the golf world (08:54) - Fish's journey as a former caddy in the PGA and how a sudden end to a relationship led him to his discovery. (12:14) - The importance of allowing emotional cycles to fully complete and how to support this process. (15:19) - Conforming to expectations (17:44) - How to overcome stress and anxiety by releasing pressure and expressing one's self (21:10) -The importance of somatic literacy and getting into the body (27:47) - The benefits of emotional release  (31:43) - The distinction between somatic breathwork and other types and styles (34:06) - The importance of re-patterning the emotional body after clearing out blocks  (39:01) - How breathwork allows us to tune into what's going on in our body and connect to our inner space. (43:21) - The importance of turning toward our emotions (46:07) - How our bodies have a unique relationship with trauma and emotions (52:03) - The importance of connecting with our bodies (53:59) - The movement of Somatic Breathwork Notable Quotes “To feel your life is like a living death. To feel your life is to actually be alive. Once you start to feel emotions, maybe a little bit of sadness, maybe a little bit of tears, maybe a little bit of anger, that is to truly feel alive. It's not to repress it. It's to know that it's there. See that is an actual feeling that's coming up in your actual body and then recognizing that there's a story with that. And really what that is, reading your body is the ability to actually understand somatic literacy. Can you be fluent in your own body sensations, feelings, and emotions, and can you know the story behind those? If you can do that, you can become fluent in your own body and the vessel that you have had your entire life is the vessel that has moved you. – Fish (20:00) Our Guest Fish Fischer is a visionary co-founder of Somatic Breathwork. His expertise in breath work merges ancient wisdom with modern science, empowering individuals to heal and transform through conscious breathing. Resources & Links On This Walk https://www.facebook.com/dlukeiorio https://www.linkedin.com/in/lukeiorio/ https://instagram.com/dlukeiorio https://instagram.com/onthiswalkshow Fish Fischer https://www.linkedin.com/in/fishfischer/ https://somaticbreathwork.com/  https://www.instagram.com/fish.fisher/ https://www.instagram.com/somaticrelease/ Mentioned Book: https://www.amazon.de/-/en/MaryCatherine-Ph-D-McDonald/dp/1683648846  Alignment Workbook: https://onthiswalk.com/alignment Gabriel Writer https://www.instagram.com/golfinfluencer/?hl=en

Preacher - Robin Kinstead Passage 1 - 1 Kings 11:1-13 Passage 2 - Galatians 5:1-15

With state legislatures in session, HSLDA's legislative season is in full swing! It's all-hands-on-deck to preserve homeschool freedom, but what exactly does that look like? Scott Woodruff (HSLDA Director of Legal and Legislative Advocacy) gives Jim Mason (HSLDA President) the rundown on the types of bills we are watching—from homeschool statutes to religious-freedom and parental-rights bills. Scott also explains the mechanisms in place when we oppose or support a bill, and how your grassroots efforts and support for HSLDA keep making homeschooling possible. “We send out alerts to members and friends urging them to call lawmakers to oppose a bill. With thousands of people getting that request for action, lawmakers are going to be hearing from their constituents. If a lawmaker has gotten 100 phone calls opposing a bill and then I call that lawmaker, now the lawmaker listens, not because he cares about me, but because he knows his constituents know about this and they're going to hold him accountable for it.”—Scott Woodruff

On this episode, Sean and Rachel are joined by North Korean Refugee and Speaker for the Dissident Project, Grace Jo to discuss her upbringing under the North Korean Communist regime, the political prison camps operated in the country, and her attempts to flee to the United States. Later, Grace reflects on her experience living in China after her escape from North Korea, and how she was able to find refuge in the U.S. with her mother and sister after years in hiding. Follow Sean and Rachel on Twitter: @SeanDuffyWI & @RCamposDuffy Learn more about your ad choices. Visit megaphone.fm/adchoices

As business owners, we all have a natural desire for freedom. Whether it's financial freedom, freedom from stress and anxiety, or the freedom to pursue our passions and interests, we all want to feel a sense of autonomy and control over our business. But how do we go about achieving this freedom?Listen to this episode to get some steps you can take to do just that.Highlights of this episode:- Make a list of things that are important to you as a small business owner- How to create the sensation of freedom that comes with running your own business- Setting boundaries for yourself and your time- Don't discount anything, cheer yourself on and revel in your accomplishments.Resources:If you're struggling to understand the accounting for your business, reach out to Annette at podcast@annetteandco.co.uk and join our Facebook group https://www.facebook.com/groups/915326342418247. To know more about financial and lifestyle freedom and if you wish to receive updates on all the workshops that will help you increase your profitability and freedom from your business, just head on over to https://www.annetteandco.co.uk/want-our-emails/. Connect with Annette Ferguson:Facebook - https://www.facebook.com/UKAnnetteFerguson/Instagram - https://www.instagram.com/annetteandco_/YouTube - https://www.youtube.com/channel/UCkohh_X-4R5mKfEW9rBQ1qAListen to the Podcast - Financial and Lifestyle Freedom for UK Business Owners -https://podcasts.apple.com/gb/podcast/financial-and-lifestyle-freedom-for-uk-business-owners/id1473582522

In this episode, Chris Orzechowski talks about his journey from elementary school teacher to becoming one of the world's top experts in building businesses with email. We discuss his first ventures in starting an online business (selling to wrestlers and their coaches)… How he grew his business… The right way to set up an Email Service Provider and why you should definitely be using tags and automations)… the strategy and psychology behind email… how to get clients and get paid… and much more.   Check out Chris's Email Academy a www.OrzyEmail.com   Get his first book for free at https://theemailcopywriter.com/   Watch my talk at Clayton Makepeace's $5,000 seminar for free at https://www.henrybing.co/chris   #copywriting #emailcopywriting #emailcopy

Dysfunctional, disordered, and dieting are words too many of us live in when it comes to food. To finally find a way to eat healthy without sacrificing mental health is a delicate balance, but it can be done!  In today's episode, a long-time client and friend of mine is sharing how she said goodbye to dieting and finally found empowered eating! Her story is one I know so many of you will relate to and will leave you inspired along your own journey.  If you relate to Natalie's story and are looking for that next step in your journey with food, Next Level Nutrition is taking applications now! Get ready for 10 weeks of live support, education, and accountability as you hit your health goals without going back to diet culture!  Cheers, and happy eating!  Jess

He started with $40,000 and leveraged it into a real estate empire — all while working full-time.  In this information-packed podcast episode, real estate investor, coach and author Michael Zuber shares his story of how he conservatively grew his rental portfolio, one house at a time, to financial independence, all with an understanding of the numbers, a single market focus and tenacity. For complete show notes go to http://olddawgsreinetwork.com/freedom-1-rental-at-a-time/ IF YOU LIKED THIS PODCAST, we would love if you would go to iTunes or Apple Podcasts and Subscribe, Rate & Review our podcast.  This will greatly help in sharing this podcast with others seeking to learn real estate investing.

If you were to ask John to introduce himself he would say Investor. Educator. Realtor. Having lost both of his parents to cancer by age 16, John realized that the typical path of getting a job and investing in a tax deferred account for retirement may not work for everyone. In 2014 after having his “aha” moment, John set out educate himself on building passive income streams. In 2016, he bought his first investment property: a fourplex by pulling money OUT of his Roth IRA. In 2019, John left his “safe and secure” corporate sales job of 12 years to pursue investing full time. In 2020, John created www.wealthandfreedomnexus.com to share his journey with others and educate others to find their path to financial freedom…..one bill at a time! And with his success stemming so much from podcasts, John launched his own, The Wealth And Freedom Nexus Podcast in 2021. Wfreedomnexus - Insta and Twitter https://www.youtube.com/channel/UCHknisS7CBlnD6mgTJugA7w https://www.linkedin.com/in/john-rickgarn-mba-641aa414 https://podcasts.apple.com/us/podcast/the-wealth-and-freedom-nexus-podcast/id1594775665

We discuss the plane restoration steps performed on Freedom One. This is the plane that was used to bring back the hostages in 1981 from Iran. Featuring Joe Fernandez, Jason Rose, and Kevin Brown. Enjoy!

On day 4 of detailing Freedom One, we were all a bit tired, but rallied to answer detailing questions from around the world (literally). This is a great episode that touches on multiple topics for pro's and weekend warriors. Enjoy!

Today, we have special guest Lew Christman owner of Christman Financial AdvisorsLLC. We share a heart touching conversation about his love for his family and how he made a decision that he was not going to give up on life, when he had every right to. If you want to know what a real financial advisor sounds like, you don't want to miss this one.Lew also shares strategies for helping clients achieve uncommon freedom by:Control and Simplicity in the planning processAppropriate products and strategies tailored to each clientA passion for putting client's best interest in front of his ownJoin us as we dive deeper into why the financial world would be a better place if we had more Lew Christmans in it.Subscribe & Leave a ReviewDownload our FREE beginner's resource guide: 4 Biblical Principles Every Christian Should Know About Investing and Building Generational WealthFellowship with a Christian Financial Advisor during a free 30 minute consultationHave a question you want answered on the show?Email us at: info@abrwealthmanagement.com

Today, we have special guest Lew Christman owner of Christman Financial AdvisorsLLC. We share a heart touching conversation about his love for his family and how he made a decision that he was not going to give up on life, when he had every right to. If you want to know what a real financial advisor sounds like, you don't want to miss this one.Lew also shares strategies for helping clients achieve uncommon freedom by:Control and Simplicity in the planning processAppropriate products and strategies tailored to each clientA passion for putting client's best interest in front of his ownJoin us as we dive deeper into why the financial world would be a better place if we had more Lew Christmans in it.Subscribe & Leave a ReviewDownload our FREE beginner's resource guide: 4 Biblical Principles Every Christian Should Know About Investing and Building Generational WealthFellowship with a Christian Financial Advisor during a free 30 minute consultationHave a question you want answered on the show?Email us at: info@abrwealthmanagement.com

What is the most effective step to achieving financial freedom? Financial education. Sam Wilson's guest today is John Rickgarn, the Creator of Wealth & Freedom Nexus. John talks with Sam about having his first fourplex in Marshall, Minnesota, and then leveling up to having multiple properties across six states. His main sources of capital? His retirement accounts and getting into syndications. If you want to know more about how John achieved financial freedom, this episode's for you. Listen and enjoy this episode!Love the show? Subscribe, rate, review & share! https://www.brickeninvestmentgroup.com/podcast

We are ringing in the new year with a 5-part series of our fan favorite episodes from 2021 for you to enjoy!  In this first throwback episode, Kelly talks about how all entrepreneurs and small business owners have had to make sacrifices that made them realize a harsh truth: freedom is not so free. Whether it be your time, location, or financial ties, many people struggle with the freedom to choose.   If you want to create the life you've always dreamed of, you're going to have to start making decisions differently. Your perfect life is waiting for you as soon as you make the decision to stop following the herd, constructed from small actions taken every day that play into your future.   Decide right now that you are going to dedicate yourself to small, daily actions that are going to put you in a place to create the freedom you so rightfully deserve.  You are going to construct the masterpiece of your life.  You can create freedom in your life, because your goals are never too big to be achieved. For more business tips and strategies, follow along with Kelly: Join the Tribe of Unstoppables on FB: https://www.facebook.com/groups/2080754075505322/   Website: https://kellyroachcoaching.com Instagrams: UE Revolution: https://www.instagram.com/uerevolution/ UE Marketing Mastery: https://www.instagram.com/uemarketingmastery/ Kelly Roach: https://www.instagram.com/kellyroachofficial  Twitter: https://twitter.com/kellyroachlive

John Rickgarn is an investor, educator, and Realtor.  Since 2014, John has been on a path of financial freedom, one bill at a time.  John shares his journey while educating others through his classes, website, blog, and podcast.Main Points:Growing up, early life"Aha" moment and starting my journeyMy first real estate investmentHow non-accredited investors can start smallHow your NET WORK really does determine your NET WORTHHow as a realtor I am tackling this crazy market for my clientsWhere do I see myself in 2030?Connect with John:linktr.ee/wfreedomnexuswww.wealthandfreedomnexus.comjohn@wealthandfreedomnexus.com 

He started with $40,000 and leveraged it into a real estate empire — all while working full-time.  In this information-packed podcast episode, real estate investor, coach and author Michael Zuber shares his story of how he conservatively grew his rental portfolio, one house at a time, to financial independence, all with an understanding of the numbers, a single market focus and tenacity. For complete show notes go to http://olddawgsreinetwork.com/freedom-one-rental-at-a-time-2/ IF YOU LIKED THIS PODCAST, we would love if you would go to iTunes or Apple Podcasts and Subscribe, Rate & Review our podcast.  This will greatly help in sharing this podcast with others seeking to learn real estate investing.

How does a global event organiser and speaker management service run events in a challenging 18 month period? Gautam Ganglani ran 100 webinars last year just to stay connected to his global audience and to build value with no commercial return he says. Traditionally he represented authors and not all of these make great online speakers so it was a big learning experience. The skill set required for trainers is very different for speakers with 1,000 people. Gautam talks about some amazing events he managed with Stephen Covey. Diversity and inclusion have been major topics. Technology, strategy, gaining trust and anything in the communication space. Strategy in particular has been a major topic, hear more from Gautam in this enlightening episode. Thought leaders are providing content online. One of the best examples is Marshall Goldsmith where he provided all of his slides that can be copied and shared. He was the highest paid and most booked speaker by Right Selection. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Fashion and fitness content creator Rowan Row shares his story from when he came over from Romania not being able to speak the language but now works with global brands like Sony and Aston Martin. Rowan even had his Instagram account hacked and nearly lost everything, yet he has been resilient, consistent and smart with the way in which he has grown his brand into a full time career. Now he has over 1.4m followers on Instagram and a further 1.5m on YouTube. Moving to other platforms like Tiktok would require even more time he says. He has lots of advice for people starting out and for those developing content. Check out his content on Instagram @rowanrow @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Join Daniel Nickles in this episode with John Rickgarn of Wealth and Freedom Nexus, as they talk about how he entered real estate investing by leveraging the simplest forms of self-education. John's parents didn't get to enjoy their retirement plans when they succumbed to cancer. After some reflection, John decided he shouldn't be deferring his life to some retirement plan along the line. In this episode, John shares how one can use retirement accounts to invest, the pros and cons of crowdfunding, and why networking will always do you good. In this episode you will learn: You don't have to wait for retirement to live financially free! Learning about investing can begin easily with podcasts. What are traditional IRAs and Roth IRAs? What you don't get from self-education, you get from networking. The pros and cons of crowdfunding. About John Rickgarn: John has been a real estate investor since 2016 and is a licensed real estate agent with MN Lands and Homes. He wishes to help educate other potential and beginning investors to build their real estate portfolios and increase their passive income to gain the hand of defining their own meaning of freedom in life. Connect with John Rickgarn on: Website:              https://www.wealthandfreedomnexus.com/ Twitter:                https://twitter.com/WFreedomnexus Facebook:           https://www.facebook.com/wealthandfreedomnexus/   Connect with Two Smart Assets on: Website:              https://twosmartassets.com/ Facebook:           https://www.facebook.com/TwoSmartAssets/ Instagram:          https://www.instagram.com/twosmartassets/ YouTube:             https://www.youtube.com/channel/UC5b8x2o3ByaPBcz5Lkev7uw   ✅Check out our free apartment syndication sample deal: https://twosmartassets.com/sample-deal-form  

In this episode, I am joined by global ambassador, speaker and author, the amazing Madeleine Black who shares her own horrific story when she was gang raped at the age of 13 and suffered unimaginable trauma. It took years of personal healing to be able to know when the time was right to decide to talk openly about this. Madeleine refers to herself as the Courage Cultivator and is an inpsiration to millions of women all over the world. After growing up with a burden no teenager should ever have to shoulder, she had the heart to carry out the best revenge plan of all; leading a fulfilling and happy life. For Madeleine, forgiveness was the key. True forgiveness takes genuine effort. It takes a real desire to understand those who have done us so much harm. It is the ultimate act of courage. Listen to this amazing heartfelt interview. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

The path to financial freedom through real estate may not be a get-rich-quick path, but it is indeed a dependable and clear one that doesn't have to be complicated. In this episode, Jeff interviews Michael Zuber, author of the popular real estate investing book, “One Rental at a Time.” Michael's book has helped thousands of real estate investors to see a path to financial freedom through real estate, while holding down jobs and family responsibilities. In this conversation, Jeff and Michael discuss the concept of a “buy box” to focus your property search efforts, daily disciplines every real estate investor should follow, and so much more.

In this episode we hear from the serial entrepreneur and founder of Warm Welcome, David Jay. David is one of the top photo journalists in the world, has been featured in the top 100 tech and innovation influencers by Intercon and an international speaker. We discuss community and human-to-human connection through the power of personalised video. David talks about your network being your NETWORTH. Take a listen to this highly engaging episode. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

At 50 years old, Candace Bouchard left a decades long marriage, struck out on her own, and within months, left her job, most of her belongings, and moved from Northern California, all the way to Virginia, to start her life all over. You can do things even if you are afraid. You can find the courage it takes to start over if you want to live life on your own terms. Freedom comes with a price, and for Candace that meant leaving a community where she had put down roots, everyone knew her name, and she moved to a place where the only person she knew was her daughter. It turned out to be the best decision every!Listen to today's episode and hear how not only did Candace start fresh, but now she's writing a book. You can follow her on Instagram at candacelynnbouchard. You can also find her on Facebook at Candace Bouchard. You will know it's her by her beautiful blonde curls, and her holding her lovely grandsons in the profile picture. Thanks for listening today.If you want to contact me about an interview recommendation for the podcast, email me at pdienerauthor@gmail.com. You can also email me there about my writing business, and if you want to work with me, write that in bold in the subject line. You can also click this link to see my writing portfolio on Writers Work. Please join us at Beautiful Second Act Facebook Group here. Have a great rest of your day and don't forget to listen here every Tuesday and Thursday at Beautiful Second Act.Much love,Patti 

In this episide we speak to the founder of 3BLACKDOT Regi Cash. 3BLACKDOT is an influencer-driven digital studio focused on the entertainment intersection between gaming and lifestyle. They're vertically integrated to conceive and produce digital content, merch, events, films, games and books. They partner with digital influencers to drive massive audiences to engage with both established and startup brands/IP. As gaming specialists, Regi also talks about some of the great creators in the space and why they are so successful. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this episode we are talking livestream shopping with Dexter Moscow, video coach and author of Stand Up and Sell. Dexter has worked with many well known brands and been a former guest presenter for many years on the shopping channel QVC, a brand that now generates over $9bn in revenue. Big E-commerce platforms like Amazon and Alibaba have realised the value of influencers not as mere promoters but highly successful sales drivers. In 2020 Alibaba said it was recruiting 3m influencers, 100k in the first year and Amazon too have requested similar numbers to launch their Amazon influencer programme. Dexter talks about some of the qualities it takes to be a good sales person in a live environment. Some influencers like BeautybyCarla now promote themselves as Amazon Influencers, so what does the future hold for this rapidly growing area. I started by asking Dexter about how he started out in his career. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Growing up on a sheep farm in Vermont, Katie Hamilton started with a humble upbringing. Due to the result of bad choices early in life, Katie moved to Southern California to escape some of her surroundings. As is typically the case, running from her problems didn't work, and the behavior that plagued her on the […] The post Listen: From addiction to freedom, one woman's story of success appeared first on Yellowhammer News.

In this episode we hear from Helen Wills who started her blog Actually Mummy in 2011. This was when she realised that talking to the four walls and a baby was never going to be enough. Since then she has earned a reputation as a professional and innovative writer, crafting stories and video for high profile brand campaigns such as Mark Warner, Universal Studios, Heinz and Tefal. Now a full time blogger, podcaster and presenter, Helen's work has also led to some high profile speaking opportunities at Parliament, and with the BBC, which she says are the best part of her job! Check out Helen's podcast Teenage Kicks on all podcast platforms. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this episode Gordon Glenister, Global Head of Influencer Marketing at the BCMA is joined by futurist Jeremy Scrivens as they talk about the future of work. Jeremy, based in Melbourne Australia, is passionate about embracing and unlocking employee potential through collaboration and innovation. He is a sought after speaker, transformation facilitator, culture catalyst and future of leadership coach. Jeremy has been recognised as one of the top 15 global influencers around #futureofwork by Silicon Republic and recognised by Onalytica in their global top 100 #futureofwork. He started by telling us a little about his background and more importantly his passion for the Social Room. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Mark Williams AKA 'Mr LinkedIn' joins Gordon Glenister, Global Head of Influencer Marketing at the BCMA, for this insightful look at the LinkedIn platform. Mark talks about the common mistakes that people make on the platform and what sort of content is resonating well with examples of Simon Bourne AKA the 'Shoe Guy' who sold premium high quality shoes but used engaging 'behind-the-scenes' storytelling to build his audience. Mark also talks about the challenges many organisations and indviduals face with the change in the algorithms, how by using relevant engagement and why commenting on articles is better than sharing others. There are loads more really useful tips so do check out this episode. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Antonia Malchik, author of A Walking Life. Topic: Reclaiming our health and our freedom, one step at a time. Issues: Why we’ve stopped walking; the ways walking affects how we think, how we grow, how we socialize, how we move; the ways our brains and bodies rely on the simple act of walking. The post Reclaiming Our Health and Freedom, One Step at a Time appeared first on Mr. Dad.

All entrepreneurs and small business owners have had to make sacrifices that made them realize a harsh truth: freedom is not so free. Whether it be your time, location, or financial ties, many people struggle with the freedom to choose.     If you want to create the life you've always dreamed of, you're going to have to start making decisions differently. Your perfect life is waiting for you as soon as you make the decision to stop following the herd, constructed from small actions taken every day that play into your future.     Decide right now that you are going to dedicate yourself to small, daily actions that are going to put you in a place to create the freedom you so rightfully deserve.  You are going to construct the masterpiece of your life.  You can create freedom in your life, because your goals are never too big to be achieved.   For more business tips and strategies, follow along with Kelly: Join the Tribe of Unstoppables (and watch The Unstoppable Entrepreneur Show LIVE every Thursday at 9 a.m. EST) on FB: https://www.facebook.com/groups/2080754075505322/   Website: https://unstoppableentrepreneur.com   Instagram:https://www.instagram.com/kellyroachofficial   Twitter: https://twitter.com/kellyroachlive

David Perez is the host of the Audience Coach and specialises in helping coaches in the wellness and fitness industry in creating podcasts. David talks about some of the issues they face from poor audio content talking about very broad topics and a lack of strategy and measure the results. The number of podcasts in this sector has exploded since April 2020 and particularly around mental wellbeing. @lizmoody and @rachlmansfield have been some of the great success strories. David shares other examples in this insightful episode. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Flora Noble Digital Influencer manager at Oxfam talks about how influencers have been a growing part of the Oxfam communication strategy Many charities dont have a dedicated influencer marketing specialist and so having a dedicated person to develop these influencer relationships has been critical. Oxfam have a national campaign called #SecondhandSeptember which is aimed at helping create awareness for donated goods. Flora talks about how many of the influencers they partnered with had very positive comments from their followers about coming on the journey with them. And so working in this slightly different way the warmth that was coming through you from the engagement you cant really pay for. Influencers were invited into the Oxfam superstore where they have ethical sourced products, hub for the online shop. We were able to give them a back end tour a bit like a behind the scenes which made amazing content creation she says Find out more what Flora has to say. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Fake followers and fraudulent activity have been an issue for the influencer marketing industry. In this episode we discuss with one of the leading fraud detection influencer platforms, Hype Auditor how you can work with the right influencers and avoid those with high levels of fake following. CEO Alexander Frolov also shares his thoughts on engagement pods, artificial intelligence, and trends around technology affecting this rapidly growing industry. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Gordon Glenister, Global Head of Influencer Marketing at the BCMA, talks with influencer marketing veteran Jason Falls about promoting excellence in influencer marketing. 'PR man' Jason talks about some of the changes in the sector, including a decline in trust of traditional media and people turning to social media for entertainment and news. Jason talks about our 'circle of influence' and how anyone can be an influencer and the job of a marketer to find these people of influence. In his book, WINFLUENCE, Jason defines the difference between an influencer and a person of influence. An influencer has an audience, however, they may not be influential if they dont engage with them. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

For a lot of investors, financial freedom is the ultimate goal in doing what they do. Financial freedom is about having enough for you to be able to spend your time doing the things you like rather than doing things just to earn money. For Minnesota-based investor John Rickgarn, the experience of losing his parents at a young age made him realize that you should not wait for your retirement year to be able to attain financial freedom and enjoy life.Today, we speak to John and he shares what he is doing to achieve his goal of financial freedom. John talks about how he fixed his finances to earn passively and at the same time, the mindset shift that led him to invest in his first four-plex. He also emphasizes the importance of learning something every day. Listen now and learn how you can achieve financial freedom one step at a time! 

Founder of MG Empower, a global influencer agency, Maira Genovese, talks about how she helped Amaris create a new sweetener brand solely using influencers, first in Brazil and then in the US. This exercise involved taking a variety of influencers for a 5 day brand development retreat with brand experts onsite and involving the influencers audiences in the whole process. The engagement from the followers was tremendous but there were incredible insights that helped refine ideas for this exciting new brand. The future opportutnies for co-creation of brands with influencers are endless, find out more about this amazing success story. You can also find more information in the case study page: https://mgempower.com/work/purecane/ @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this interview, Gerald discusses the latest on the COVID War, the Vax rollout, how we must unite to reclaim our Freedoms that have been taken away from us, and more on Gerald's upcoming Memorial Day Rally in Kingston, NY.

In this episode Gordon Glenister, Global Head of Influencer Marketing at the BCMA talks to specialist influencer marketing legal expert Robert Freund shares his insights on the latest changes to the FTC guidelines and what brands and agencies should include in influencer agreements. We also discuss some of the impacts on legal cases and the fines imposed by organisations who don't comply. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this episode Gordon Glenister, Global Head of Influencer Marketing at the BCMA, talks with Martin Jaskolowski, Global Head of Advertising and Digital at Pernod-Ricard. They discuss how the Chivas Regal whisky brand has used influencers to enhance its major advertising campaign. They talk about some of the types of content that has really resonated with the audiences from distillery visits to working with mixologists. They talk in detail about how you measure effective brand campaigns - reach or engagement? @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Entrepreneur Edward East talks about why he created the Billion Dollar Boy brand. Edward talks a lot about his personal journey. It all started in 2014 when the industry was almost a passing trend and now have a great team culture. Influencer marketing has been able to create production at scale at home. "Surround yourself with people who have those experiences" Edward says. Having the right team is absolutely vital and the CEO role is more of a support function with your team driving the change. Edward talks about exciting innovations with personalised content and what the future looks like. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this episode Gordon Glenister, Global Head of Influencer Marketing at the BCMA talks about the gaming industry and how content creators can make a huge difference to the launch of a new game. Kelvin Cery who is Vice President of Client Development and Brand Partnerships of BEN Entertainment Group and Jonathan Dodd, Manager of Global Creator Partnerships of Electronic Arts. The BEN group have had a longstanding partnership with EA and they're also proud winners of the Streamy's Influencer Agency of the Year due to its ground breaking AI technology. We talk about the impact the creators had on a product reveal which almost topped half a million viewers and half a billion minutes watched in less than 24 hours. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

Pitch Influence winner Alfie AKA QuantumCaza who is a Caffeinated Content Creator tells his story including the ups and downs of what it was like in his early childhood. He wanted to create video content that included animations. Animation is one of the biggest storytelling tools and so he commissioned an animator to tell part of his story. Alfie talks about the importance of having a niche when creating content and that’s why he chose coffee. “There is no such thing as bad experience – you are going to learn from it”. An active networker, Alfie misses events and talks about isolation and how content creators have been impacted by the pandemic. @thebcma Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

In this episode Gordon Glenister, Global Head of Influencer Marketing at the BCMA, speaks with Danny Lowney, who is the Managing Director of Sixteenth Talent who talks about what it's like to run an influencer marketing talent agency. Danny explains the role the team in commercialising opportunities from the traditional publishing deal to more expansive co-created product. He talks about top YouTuber Gabrielle Say and how they are repositioning him as a Dad in the fitness space creating a whole new audience for him. Also, how creating a new stationery brand with Jack Edwards proved extremely successful. Danny starts by telling me a little about what the agency does. @dannylowney www.sixteenth.co Presented by @gordonglenister Produced by Neil Whiteside at Freedom:ONE

He started with $40,000 and leveraged it into a real estate empire -- all while working full-time.  In this information-packed podcast episode, real estate investor, coach and author Michael Zuber shares his story of how he conservatively grew his rental portfolio, one house at a time, to financial independence, all with an understanding of the numbers, a single market focus and tenacity. For complete show notes go to http://olddawgsreinetwork.com/freedom-one-rental-at-a-time/ IF YOU LIKED THIS PODCAST, we would love if you would go iTunes or Apple Podcasts and Subscribe, Rate & Review our podcast.  This will greatly help in sharing this podcast with others seeking to learn.

On today’s pod, Busch is now making a beer exclusively for your dogs. Will this get your dog tanked or is it just overpriced white people stuff? More importantly, is there a reason dog beer needs to exist? Exploring the internets, we came across one man’s very passionate argument in favor of Adolf Hitler, arguing the Fuhrer is the victim of lies and disinformation. Was Hitler actually a good dude who got a bad rap? Of course not, but it’s always fun to read a real conspiracy theory. A North Korean gymnast made a heroic escape for freedom by jumping over the wall at the DMZ. As a reward, the South Korean guards made him repeat the jump twice to prove he could do it. Hooray for freedom! As always we are sponsored by Illuminatus Brand and they can be found at Illuminatusbrand.com and @team_illuminatus on Instagram. This show can be found @hiddeninplainsightradio on Instagram and @hiddeninplain10 on Twitter. iTunes Link: https://podcasts.apple.com/us/podcast/hidden-in-plain-sight/id1488538144?i=1000459997594 Spotify Link: https://open.spotify.com/episode/5zsntvl63Do7m9gNTD8Za2?si=MczvbuMlRuCbmWChclVUZA

Subscribe to Freedom One-on-One on Apple Podcasts, Google Podcasts, or Spotify. Jim Watkins is a businessman and operator of 8chan, the platform that Q used to create the Qanon movement. He joins this episode of Freedom One-On-One with Jeff Dornik to discuss his concerns with Voter Fraud, Big Tech Censorship and he responds to the […]

That Freedom Life podcast is from the dreamers, the seeker, the doers.  Your host, Rachael uses her powers in subconscious reprogramming, building a magnetic personal brand, and spiritual rituals to support women in finding love, success, and abundance by turning their passion into profits. This week's guest is Alyssa Coleman.  Alyssa is a productivity guru and NLP practitioner.  She helps entrepreneurs ditch that overwhelmed feeling and become their most productive versions of themselves! In this episode Rach discusses: Alyssa shares how we can become more efficient and productive  how to maintain and achieve time, financial, and even location freedom hot tips on how to beautifully meld together productivity and freedom Rach is shouting out her soul sister and former podcast host Becca from I Am Energy Collective and the amazing shop she has opened including her crystals and cleansing sprays the doors are open to Rach's 1:1 Freedom Coaching  Resources Alyssa's Instagram: https://www.instagram.com/alyssacoleman.ca/ Alyssa's Website: http://www.alyssacoleman.ca/ Plan 2021 With Alyssa Live: http://www.alyssacoleman.ca/plan Rach's Friend Becca - I Am Energy Collective's Instagram: https://www.instagram.com/iamenergycollective/ Rachael's Instagram: https://www.instagram.com/freedomrachh/ Rach's Freedom One on One Coaching

Ryan Gyllenband is a petroleum landman that has achieved financial freedom through by building a portfolio of single family and small multifamily homes.  We discuss how he got started, his secrets to success, and how cashflow from real estate has helped him smooth out the ups and downs of our industry.  Ryan has some incredible advice for anyone looking to get started on the path to financial independence, so be sure to listen to this episode!

Mini AOC has taken over the internet with her spoof videos of AOC, bringing back laughter and comedy to the Conservative Movement. She joins host Jeff Dornik in this episode of Freedom One-on-One to discuss Joe Biden's candidacy, Nancy Pelosi's haircut and her favorite Fox News host.

It is estimated that nearly 2 million children — mostly girls — are being sexually exploited as part of the multi-billion dollar commercial sex industry. And sadly, the United States is the number 1 consumer of child porn. This is a modern day form of slavery, involving: force, fraud, coercion, exploitation and a lot of shame. Today’s guest, Tim Ballard, is an advocate against child sex slavery. He’s the founder of Operation Underground Railroad — a non-profit organization to fight against child sex slavery and sex trafficking. This episode may not be easy to listen to, but it’s easily one of the most important you’ll ever hear.     Donate to Operation Underground Railroad   Links from today’s episode:   Learn more about Tim at TimBallard.net Learn more about  Operation Underground Railroad Follow Tim on Instagram @TimBallard89 and Facebook @OfficialTimBallard Recent must see documentaries The Abolitionists and Operation Toussaint Tim’s upcoming documentary The Sound of Freedom One of Tim’s best sell books Slave Stealers: True Accounts of Slave Rescues-Then and Now Check out all the Discounts and some of Chalene’s favorite things at Chalene.com/Deals Leave Chalene a message at  (619) 500-4819 Leave Chalene a Voicemail review or question  HERE Join our awesome PodSquad on Facebook here! Go to Chalene.com/MyThing and see what your passion or hidden talents are!!     Stop dieting & start living: PhaseItUp.com Get the 131 Book!!!   Here’s The System I Use Every Day to be More Organized & Crazy Productive: www.pushjournal.com   Sign Up For MY WEEKLY NEWSLETTER and you'll get FREE tips on how to live a ridiculously amazing fun-filled life!   Be sure you are subscribed to this podcast to automatically receive your episodes!!!    Subscribe to Build Your Tribe!!!      Join our awesome PodSquad on Facebook here!   Get episode show notes here: www.chalenejohnson.com/podcast    Connect with me on your fav social platform: SnapChat: ChaleneOfficial    Facebook: www.Facebook.com/Chalene      Instagram: www.Instagram.com/ChaleneJohnson    Twitter: www.Twitter.com/ChaleneJohnson TikTok: @chaleneOfficial   Hey! Send me a tweet & tell me what you think about the show! (Use the Hashtag) #TheChaleneShow so I know you’re a homie! XOXO Chalene

This episode of Freedom One-on-One with Jeff Dornik features a recent interview with Savanah Hernandez as a part of the Saving America Conference, hosted by the American Conservative Movement.

This is Bishop Michael Burbidge of the Catholic Diocese of Arlington. Our celebration of Independence Day reminded us of our gratitude for the precious gift of freedom and of the sacrifices so many have made and continue to make to protect the freedom that is ours. Sadly, some think freedom means that we can do whatever we want; whenever we want. That is not the case. True freedom requires faithfulness to Our Creator and his commands and ways, which are given to us not as a burden but as a gift so we may live and act in accordance with whom we are: God's beloved sons and daughters. True freedom is found not in selfishness but in selflessness; the giving of ourselves in service to others, especially those who need us the most. True freedom is not a life of independence away from God but a total reliance on his love and mercy. Only by following him, will we and our nation be truly free!

Warren and Tshepo Kgapane discuss the one secret to achieving financial freedom that is often misunderstood. They also share their views on the importance of being open and honest with the people who are depending on you financially.

Getting started in real estate investing and managing rental properties can be intimidating if you’ve never done it before. There are markets to research, properties to evaluate, and financials to analyze, not to mention all the decisions and responsibilities that come with being a landlord.In this conversation with Michael Zuber, author of the book One Rental At A Time, he shares how he started with just one rental property, scaled his rental portfolio to over 200 units, and has reached financial freedom in just 15 years.--WHAT TO LISTEN FORThe exact strategies Michael used to able to achieve financial freedom in under 15 yearsHow Michael’s life has changed as a result of being financially freeHow Michael’s relationship with money shaped his education and careerMichael’s introduction to real estate, and how he became known as the “never sell guy”The two pivots of Michael’s rental property investments that led him to where he is todayHis advice on how to get started investing in real estateHow and why Michael wrote his book, One Rental At A Time, and created his YouTube channelThe top 3 values of Michael’s book, One Rental At A TimeOne hack that Michael shares that will have a significant impact on your lifeWhy he created The Hub as a place for real estate entrepreneurs to be able to come together and the impact he’s hoping to create--RESOURCES FROM THIS EPISODEMichael’s Website: One Rental At A TimeMichael’s YouTube ChannelMichael’s Book: One Rental At A Time--CONNECT WITH USTo 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 the Investing For Good Podcast Community on Facebook.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!

Are you in debt? Do you need a strategy? to get out of debt? Well, today I've got a guest that's gonna help you do just that so, stay tuned. How do I bring my faith to work how do I tap into the power of God. Why am I going through this adversity? Hi I'm Os Hillman. I've been helping leaders like you answer these question for over 30 years. That's what this podcast is all about. Let's learn and grow together. Welcome to TGIF Today God Is First . So welcome to our podcast this week. It is such a delight to have my daughter as my guest this week and her name is Charis Brown and Charis is in the media and she has a new book out and it's a book that everyone's gonna benefit from and so she is author of two books she actually created a new book when she was working for me called TGIF for next generation and her new book is called Alt Money Choices: Securing financial freedom one choice at a time and she speaks to groups about faith and finance she's also an editor for ClarkHoward.com and managing editor for ClarkeDeals.com daily deals website started by a consumer expert radio talk show host and New York Times bestselling author Clark Howard. She lives with her husband just a few miles from a with their cat in North Atlanta well. Charis great to have you on today thanks for having me dad well you've done a great job with this new book and we're gonna get into some details but before we do let me just tell people that you know this is your second book and you wrote TGIF for next generation which is a daily devotional and you can get it online at your website what website is that if they want to go and sign up for your place oh well if they want to get the free devotional its prison ministry at work but of course you guys have copies so I would encourage people to get copies from you too so yeah it's a it's a 365 day daily devotional and her ministry site is Prismministries.org or prism ministries.org but today we're talking about this new book and Clark Howard you know it's interesting he is a household name in Atlanta and a few other cities. How many cities is he in now? He's in quite a few there's a there's a long list of media affiliates that will air the show in different markets um you know LA it's one of those big cities that regularly air the Clark Howard show so yeah well he's quite a name in different markets and he helps people save money and it evidently has rubbed off on Karras because she now has a book that he is endorsing and he won't endorse a book that doesn't prove it's going to save people money so you can be sure this has been field-tested by a Clark but he gave a great recommendation for the book and today we're going to talk about this and listen to what Clark says about the book I loved Charis's book. I couldn't stop reading it and I finished it in a couple of hours what I love about Charis's story is she's so methodical about her process and she's not preaching at people she's teaching how to get their money in order and so that's what we're going to learn today and so we're going to go ahead and shut our video off so today we're going to talk about top 10 financial mistakes people make that cost them money and how you can avoid them you know curious when I looked at that list I thought that was an incredible list of things that you know money just flows out of our pockets so easily sometimes and you put together a list and different aspects of what those ten things are that eat people's money and so we're gonna go through each one and you're gonna tell us what we need to know about it and mistake number one is over buying on a home tell us about that alright well a home you know is probably the biggest one of the biggest financial decisions that will make in a lifetime because a home is generally the most expensive part of somebody's budget if you look at someone's pleasure like a pie you know if the housing cost is going to take up a big portion of that pie and so um you know you really want to think about that and not in terms of what your Realtor is telling you and what your banker is telling you because often they're going to try to get you into something that is at the max of what you can afford but what you really want to do is you want to look at your budget and you don't want your housing expense to eat up you know more than 25% 20% if you can get it down to 15 that's really ideal um but you know people so many people over buy on their house and then they don't have money later in retirement when they need it most and so just to give you a couple of figures you know if you buy a $250,000 house that's gonna end up with interest being over $400,000 if you buy a $500,000 house that's gonna end up being over $700,000 because of the interest and so you can see how much that adds up over time you know one of the things people don't realize is if you just pay a little extra every month you can significantly reduce the overall amount that you're going to spend and reduce the term of your loan just paying an extra fifty or hundred dollars a month can make a big difference yes that's so true yes and that's one of the things that we highlight in the book just about you know it's little changes that you can make that will make a big difference so that's definitely one of those choices that you can make yeah all right mistake number two over buying on a car well we just actually bought a new car new to us it's not a brand new car it's a 2009 Honda but we were really feeling good about this decision because we were able to buy cash and just like you dad like when you helped me buy my first car my dad helped me you know you put 50% down I put 50% down and we paid cash for it which is great so we paid for this car in cash and you know when an expense starts to meet a psychological need versus a physical need that's when we tend to overspend so I don't know about you but like I saw all these Lexus commercials and different brands of cars over the holidays it's like this December to remember event and you know it's like Oh your spouse could be surprised by this forty five thousand dollar car and you know I think for most America that would be a surprise but not in a good way because you know if you're married you want to talk to your spouse and your significant other about any big financial purchase and so you know with cars seeing these table. you at CNBC no it's actually forms so Forbes wrote a piece about how buying new cars can delay your retirement by years it can delay it 14 years 15 years just because people you know um take cues from commercials to buy their cars and so what you really want to do is the sweet spot in car ownership is buying a two-year old used car because you know once it starts off a lot it's lost a lot of value so and then really being intentional about researching the kind of car that you want to get making sure it's reliable making sure it's good on gas you know because we want to get all the bells and whistles but those bells and whistles can cost us and when we're paying for image when it comes to cars that can really cause us to overspend yeah that's good I know that we recently bought a car and found out that you know we we searched all over Atlanta and we went beyond Atlanta and don't be afraid to look beyond your own city to find the best deal because sometimes it's it's not in your particular city Atlanta is a very competitive market for certain types of vehicles and so you want to really look everywhere when you're searching for a car but that's good advice all right number three is mistake number three is going out to eat too much ooh that one hurts well yeah I mean you know it's just so convenient to go out to eat one of the things that we did in our 11 month long experiment is you know this book is about the little choices that we made and that we journaled throughout 11 11 months timeframe and one of those choices that we made was making different decisions when it came to going out to eat and maybe choosing a less expensive restaurant over a more expensive one and just knowing how much that adds up over time that can make a huge impact in your budget but even you know you don't have to deprive yourself maybe going to Chipotle or chick-fil-a or something like that um you know instead of going to a sit-down more expensive restaurant that can really make a big difference and just to put it into perspective a $50 meal out once a week cost twenty six hundred dollars per year so you think and you think about wow what can I do with that money I could put that money into my retirement account my brought my IRA I could go on a vacation with it and so it's just about figuring out where your money is going and putting it in places where you really want to go because it's so easy to spend that money going out to eat but maybe you know there's something else that you could do with that money yeah and you say habits you know a lot of a lot of times we get in the habit of just going out and don't even think about it so it's I think it's what you're saying is let's be intentional about you know being frugal or being disciplined about how many times we're going to eat out etc exactly well mistake number four is not saving enough for retirement yeah that's a big one and unfortunately it's it's one that affects so many Americans um you know most of us don't have enough retirement money saved but it is the top financial regret of the elderly and so and that's according to an article by CNBC and so you know if at all possible you know if you're you know even just starting you know start at 1% saving for retirement and then just build up you know year after year and once you get used to a certain amount of income it makes it far easier to live with that income later in life and so um you know I would encourage people whether you're in your 20s 30s you know start now just start with a little bit and see how much that little bit can grow because anything that you put into a retirement savings account a Roth IRA is a great place to start um with a company like Vanguard or fidelity and you know you can see that income really start you know beefing up as it you know works with compound interest and so that would definitely be something that we need to do better at as Americans when you say Roth our IRA why don't you explain what that is for the folks sir so I RA is an individual retirement account and you can use these accounts to stash away money for retirement you can do a traditional IRA or you can do a Roth IRA and a Roth IRA is a better option to many people something that clerk talks about a lot when people are just getting started because you pay the tax now with a traditional IRA you pay the tax once you take it out later but you can stash I believe this year at 6500 dollars in either of those and that's the maximum that you can put in there but if you're not already contributing to a 401k at work the 401k would be the number one place to start because if you have a match that's like free money so definitely want to start with a 401k and then see if you can add them to an IRA probably a Roth IRA if you can yeah and you know saving it's not just saving by putting money away but it's also not spending and you know that's one of the your testimony about writing your own book was about in fact why don't you share briefly with the folks what happened with you and kind of what motivated you to get out of debt yes absolutely and you know this is kind of school of hard knocks for me because dad has always told me not to get into that but I did for school and I started start a business and I was like nineteen twenty and so um I had over thirty five thousand dollars in student loan debt hanging over me and when my husband Justin I got married we had a combined total of three hundred thousand dollars of debt because we had two homes and we bought them at the height of the market and we had to we have credit card debt we had car loans and so we really had to work hard at getting all of those debts out of the way but we kept knocking them out and so the student loan was was the final kind of straw and I really wanted to pay that off as quickly as possible so that's where this whole idea about many choices came from and recording expenses and making a better financial choice and so we were able to pay off that student loan that was $27,000 at the start of the year and we were able to pay that off within 11 months mm-hmm that's awesome so one of those things that you had to do was budgeting and that's mistake number five how important is budgeting that is still hard I think it's always going to be hard for us and many people and you know budgeting is something that you know people hear it and I was chatting with a women's group and I mentioned budgeting and they're all I go it's a groan that will echo throughout the room but budgeting is you know not necessarily constraints it's just kind of guidelines and a plan and so you know there's plenty of free budgeting out there budgeting doesn't have to be hard there's you know clarity money there's mint there's all kinds of apps that you can just plug in you know your info and it'll spit out what you're spending and then you can kind of decide where your thresholds are for different categories so another way to do it is cash one thing that we did is and we continue to try to do is especially with food expenses and grocery expenses we try to use cash because you have that set amount and we treat cash much differently than we treat a credit card that one yeah with a credit card it's so easy to swipe and studies have shown that we spend less when we use cash because we have a different relationship with cash because we see it leave our hand and so it's a much different experience even though most of us are encouraged to use plastic because it's so convenient so budgeting is definitely you know one of those things that we want to try to get a hold of when it comes to success with money yeah and I think that you know talking about credit and debt and you know nowadays they're really trying to lure us into the credit cards because of a 2% cash back or 3% and you know all of that that may be good on the front end but it actually encourage you to spend more because you think oh I'm putting a say I'm putting getting money back though and all you're doing is spending more money and but that's so true you know when I go to the grocery store and pull out cash to pay for something I take it more seriously than if I just use my credit card right exactly exactly and one thing that you could do is you know if you want to use credit cards and you want the benefits of the cashback or whatever you can use credit cards for fixed expenses that you'd be paying for anyway and you know use cash maybe for those more variable expenses that you know can get out of hand easily yeah and it's so important for you to not carry over in your spending and kirie debt on a credit card because that will absolutely eat you up with the high interest rates of most credit cards and so you know the the way you beat the credit cards is those recurring incomes or recurring expenses use the credit card for that if you want to build miles or you want to you know bill cash back but the way you beat them is you that thing off every month and that's that's when it that that card becomes your servant instead of you being the servant to that death right exactly exactly I mean if if you can't do that with credit cards maybe just stick to the cash or the debit you know but yeah that's definitely I mean number one roll of credit cards make sure you can pay it off every single month yeah mistake number six falling for scams well you know there are so many scams that steal people's money and Clark's Consumer Action Center gets calls um you know every day hundreds of calls from people who are who have fallen prey to some kind of scam you know there's tons of scams that are happening right now um one of the most popular ones has been the IRS Social Security scam where you get a call from the IRS and they're telling you that you owe money and are threatening you um you know but the IRS does not communicate that way they send letters and mail so security is the same way so what you want to do is if you're faced with something like a phone call or somebody that wants to sell you software or something do a little bit of research about it um don't immediately take action try to stop yourself from taking action when it comes to any of these things and do some research and see if there is a scam out there that you need to be aware of a lot of times there's government websites that have a list of scams that are popping up and greater frequency I say you can check that out um but that's definitely something that you know to watch out for even gift card scams where you know someone might want to sell you a gift card and then it ends up not having any money on it so just be aware of the scams that are out there um Clark coms a great resource for looking for scams and then some of those other websites are really great too yeah and be careful with investments that are promising very high returns you know back in the 90s I got taken I became a victim to a Bernie Madoff type of scam where he was having 20% interest and you know he just you know that interest those those reports came every month saying oh he made this much he made this much then all of a sudden I get a phone call from my manager and he says all of your money is gone the man that we'd been working with was a scam artist and they had fled the country and that was over half a million dollars and we never got one penny back and so be careful with the types of investments that you go into and when they claim to have incredible returns it's probably a situation that you really need to think twice about Wow and I know that was a really painful and I'm glad that you're sharing it with everyone because so many people have gotten taken by scams like that and you know as the slide says if it's too good to be true it probably is you know you just have to watch out and don't use any income that you really need in an investment you only want to use cash that you can afford to lose in an investment that's a very good word their mistake number seven shopping as a hobby okay well this goes back to habits and you know in the book um I just shared that habits are one of our most money-saving assets and that is so true and what you know being in debt taught Justin I was that you know we'd learn to live on less than what we made and so that was something that I think will just you know have such an impact on me for the rest of my life just trying to live beneath our means and pay off that debt but shopping you know I mean some of us or shopaholics I you know of course I'm looking at deals all the time with my job and it's very tempting but you want to be careful not to make shopping one of those things that's filling another kind of void you know shopping can be fun it's fun to get those deals I love deals deal hunting but we just want to make sure that our habits are not leading us as you said before into a path of you know bondage where you know we're becoming a slave to a certain habit or whatever so that's something that is just good to watch out for well I think the other things addictions can come in a lot of different forms and an addiction is anything that you can't lay down voluntarily and if you find that you simply have to shop or have to do something else then you most likely have some kind of an addiction and you need to look at the root cause of that and what need you're trying to meet that that shopping or whatever it activity it is is trying to meet and so this is an area that is very practical and we need to look at it and see what it might be doing to us mm-hmm yeah that's good mistake number eight not having insurance yes and so you know we often think about insurance like car insurance homeowners insurance renter's insurance but other kinds of insurance are often overlooked for example a disability insurance you know Social Security the Social Security government website tells us that one in four of today's young people will be disabled at some point in their lives and so it's really important to consider disability insurance as you're looking at budgeting and monthly expenses because um you know anyone can become disabled at any moment so it's really good to think about short term disability and long term disability I've got a friend of mine she's she's chronically sick and she's been that way ever since she was 27 and so it's just sad for me to watch that because you know she could have probably had a much easier time if they had known about getting disability insurance when they were in their 20s I said that's just something that I would just just plead everyone to look at just because the statistics are real 25 percent of us will be in some you know place where we're not able to work and so it's really important that we are covered not just in our car insurance but also disability insurance and of course health insurance another factor in that is to make sure that you have income that you can live off of two to three months you know set aside in an account on a amount of money that if something happens that you can go to that money to be able to offset what might happen you know you never know it was what comes across our path sometimes and having two to three months of operating income is a wise thing to do and that's separate from your long-term insurance not insurance but long-term retirement savings this is a short-term money that should there be an emergency in other words it's your emergency fund right so if you can't put that much aside yet just start putting a little bit toward that account and set it up as a separate account as a money market or something like that and just put money in there until you get to at least three months of operating income and if you have that money saved up maybe you won't need the short term disability insurance but yes that is that is definitely something that that would be good for everyone to consider mistake number nine not paying bills on time well you know we live in a credit-based society and I know that there's some financial experts out there that you know don't use the credit cards and don't want to rely on credit but you know credit becomes a lot easier if you're looking at buying a car or you need to buy a house and so paying bills on time is definitely a part of that and so when you're looking at a credit score thirty five percent of credit history is based on our thirty five percent of the credit score is based on your history and then thirty thirty percent is the amount owed so that's over 60% of the total credit score and so when you're paying bills on time especially credit cards your credit score is going to go up and you want to make sure that your debt to credit ratio percentage is below 30% overall which means that the amount that you owe is thirty percent is thirty percent of the overall credit that you have if that makes sense because that also has a big impact on your credit score yeah now a lot of times we get these promos for apps that will give us their credit your credit score do you recommend people getting that how important is it for this them to stay in touch with their credit score yes that's a really good idea and when you know the whole Equifax breach happened a lot of people are very concerned about their credit and rightly so so one of the great ways to keep track of that is Credit Karma it's over the K and so you can go on that site and you can monitor your credit and if there's any changes to your credit say if somebody opens an account in your name Credit Karma is going to alert you of that and so you'll be able to catch it in time a lot a lot of things that people or times what people do is they'll actually freeze their credit and if they're concerned about you know stealing their credit history or whatever or opening accountant accounts in their name they can actually freeze their credit you know if you don't have anything that you need to apply for you know you have a house it's pretty much set you're not making any big changes that's another great way to keep criminals from accessing your credit would be to do a credit freeze good mistake number 10 getting into debt this is probably my top mistake and the book you know all money choices this is all about our journey of getting out of debt and making better financial choices you know but that can cost us so much overtime um you know in Proverbs I know you've said this many times says borrower is slave to the lender proverbs 22:7 and so we want to be careful that money is our slave and we're not a slave to money but the cost of financing can be pretty high we think about mortgages they're generally considered good debt because you're actually you know going to get your house but you're still paying a whole lot in interest for example a one hundred and fifty thousand dollar mortgage is going to cost almost five thousand dollars in interest in the first year and so you know when you think about that compared to um you know the tax write-off you're getting most people don't even Ida Mize so it's kind of a wash so you know when people are touting like home ownership you just want to be aware of what you're actually spending an interest because that can really add up over time I remember you know one of my biggest mistakes was you know buying a house with an interest-only loan I don't know what I was thinking but I thought the market would go up and up and it didn't crash just almost as soon as I bought that house and so when I look back at how much money I was paying an interest it is absurd and how much I could have directed that money in other places like you know saving for retirement or business or whatever and so um that's one thing that you know work generally accustomed to as a society is getting into debt but we you know in order to save more money and you know have more financial stability in our lives we really need to think about and think hard when we are faced with getting into that because that can cost so much in the long run you know over the years I've had people talk about the whether you should pay off your mortgage if you have the ability to pay it off and I have always said yes absolutely you want to do that and some would kind of you know argue that point to say that well why would I want to do that you know I've got my money over here collecting interest and I get an interest deduction on my mortgage and the answer to that is you're presuming upon the future for the first thing now you don't know that you'll be able to pay that in the future when you have the ability now and that's exactly what happened to me back in the 90s when I had that Bernie Madoff situation I could have paid my mortgage off at that time but I didn't based on that logic so then after that happened it was tough for me to make that mortgage for season and so they also that the premise that you're having a tax deduction look you're paying a whole lot more interest than the benefit you're getting from a tax deduction then if you had paid off that completely so there is no better feeling than living in a house that you know is paid for and nobody can take it from you you never know what's coming down the pike and so you know that presumption upon the future is not faith it's presumption so if you have the ability to pay it off paid off if you have the ability to pay an extra hundred a month do that anything you can do to reduce the amount of interest you're paying and to get that house under your belt and not the banks bill right exactly all right so we've been talking about all money choices securing financial freedom one step at a time you can get it on our bookstore at tji at bookstore calm you can also get it on Kara's website at Alton money choices calm and you know some of the practical things you're going to learn in this book are how small choices can really add up and why changing your money habits have a big impact over time and you're going to read about Karis is strategy for paying off twenty seven thousand dollars of debt in 11 months she took small choices that added up over time and how to make saving funny money fun and the science of making better choices money mentalities have separate the rich from everyone else and simple steps you can take I encourage you to get this book so you know Kerris has been on this journey with me for many years and after all these years we've been equipping leaders and we've been thinking about how we can help those that we've been serving for these years go deeper and help them with specific things that they tell us they had help need help with and so we've been listening to some of our listeners and I would encourage you that if you'd like to know about these coming things that we're about to do that we're going to announce very shortly within a month or two about a new program you can get on the waiting list for that it become God's change agent com that's become God's change agent calm and if you get on the waiting list you'll be the first one to be notified you'll get a discount on this new program that we're going to be doing plus you will get a download that's free of my top ten biblical truths for succeeding in life and work and so if that's of interest you just go to become God's change agent comm will cost you anything just to be on the waiting list and that'll be a free download now let me remind you that if you're listening on iTunes we want you to rate our podcast that allows us to encourage others to come to our and subscribe to our podcasts and download the podcast audio and if you're watching us on YouTube we want you to subscribe to our Channel and share your comments at the bottom of the presentation on YouTube and that will allow us also to have more people watching our programs and so let's curious when we come back on the video just for a moment as we say goodbye to our friends and let's see if I can do that there we are there we are both so again the book is all money choices and it's a great read it's not a very big book it's only 118 pages so you you know I like those kind of small books you can read almost in one session but you won't do that in this cuz you need to really study what to do and take the advice that she has there well Kara says we close out today any final words for those that that are out there well I think one of the things that just became such a big theme of the book is you know just realizing how much God gave us choice and how it's one of the gifts that he gave us you know in the Garden of Eden he gave Adam and Eve a choice and so you know one of the most impactful things that I want people to get from the book is just to realize you know you might be in a certain situation or you might be facing a big challenge right now but you know there are choices that that you have that you may not even have thought of yet and you know God has given us creativity as well and so you know even though we might feel like we're in a tough spot um you know he can give us ideas and solutions to those things that we're facing and so um you know he just gave us such a big gift when it came to her choice and so I just want to encourage people with that yeah and that's a good word I think that whenever we are intentional about something like this God sees that it's a it's a step of faith and sometimes when you put your first foot forward towards something God multiplies it and it's amazing how many things can change you know in my own situation although I'd lost a half million dollars at the end of seven years God restored all of it back and I had no idea that was going to happen but I was just seeking God and asking him to help me walk through that season and I paid off all the debts I owed as a result of that crisis and that's important so be faithful in the little things and the big things and God will honor that faith so what cares thanks so much and everybody joining us today god bless you and we'll see you next week

Are you in debt? Do you need a strategy? to get out of debt? Well, today I've got a guest that's gonna help you do just that so, stay tuned. How do I bring my faith to work how do I tap into the power of God. Why am I going through this adversity? Hi I’m Os Hillman. I've been helping leaders like you answer these question for over 30 years. That's what this podcast is all about. Let's learn and grow together. Welcome to TGIF Today God Is First . So welcome to our podcast this week. It is such a delight to have my daughter as my guest this week and her name is Charis Brown and Charis is in the media and she has a new book out and it's a book that everyone's gonna benefit from and so she is author of two books she actually created a new book when she was working for me called TGIF for next generation and her new book is called Alt Money Choices: Securing financial freedom one choice at a time and she speaks to groups about faith and finance she's also an editor for ClarkHoward.com and managing editor for ClarkeDeals.com daily deals website started by a consumer expert radio talk show host and New York Times bestselling author Clark Howard. She lives with her husband just a few miles from a with their cat in North Atlanta well. Charis great to have you on today thanks for having me dad well you've done a great job with this new book and we're gonna get into some details but before we do let me just tell people that you know this is your second book and you wrote TGIF for next generation which is a daily devotional and you can get it online at your website what website is that if they want to go and sign up for your place oh well if they want to get the free devotional its prison ministry at work but of course you guys have copies so I would encourage people to get copies from you too so yeah it's a it's a 365 day daily devotional and her ministry site is Prismministries.org or prism ministries.org but today we're talking about this new book and Clark Howard you know it's interesting he is a household name in Atlanta and a few other cities. How many cities is he in now? He's in quite a few there's a there's a long list of media affiliates that will air the show in different markets um you know LA it's one of those big cities that regularly air the Clark Howard show so yeah well he's quite a name in different markets and he helps people save money and it evidently has rubbed off on Karras because she now has a book that he is endorsing and he won't endorse a book that doesn't prove it's going to save people money so you can be sure this has been field-tested by a Clark but he gave a great recommendation for the book and today we're going to talk about this and listen to what Clark says about the book I loved Charis’s book. I couldn't stop reading it and I finished it in a couple of hours what I love about Charis’s story is she's so methodical about her process and she's not preaching at people she's teaching how to get their money in order and so that's what we're going to learn today and so we're going to go ahead and shut our video off so today we're going to talk about top 10 financial mistakes people make that cost them money and how you can avoid them you know curious when I looked at that list I thought that was an incredible list of things that you know money just flows out of our pockets so easily sometimes and you put together a list and different aspects of what those ten things are that eat people's money and so we're gonna go through each one and you're gonna tell us what we need to know about it and mistake number one is over buying on a home tell us about that alright well a home you know is probably the biggest one of the biggest financial decisions that will make in a lifetime because a home is generally the most expensive part of somebody's budget if you look at someone's pleasure like a pie you know if the housing cost is going to take up a big portion of that pie and so um you know you really want to think about that and not in terms of what your Realtor is telling you and what your banker is telling you because often they're going to try to get you into something that is at the max of what you can afford but what you really want to do is you want to look at your budget and you don't want your housing expense to eat up you know more than 25% 20% if you can get it down to 15 that's really ideal um but you know people so many people over buy on their house and then they don't have money later in retirement when they need it most and so just to give you a couple of figures you know if you buy a $250,000 house that's gonna end up with interest being over $400,000 if you buy a $500,000 house that's gonna end up being over $700,000 because of the interest and so you can see how much that adds up over time you know one of the things people don't realize is if you just pay a little extra every month you can significantly reduce the overall amount that you're going to spend and reduce the term of your loan just paying an extra fifty or hundred dollars a month can make a big difference yes that's so true yes and that's one of the things that we highlight in the book just about you know it's little changes that you can make that will make a big difference so that's definitely one of those choices that you can make yeah all right mistake number two over buying on a car well we just actually bought a new car new to us it's not a brand new car it's a 2009 Honda but we were really feeling good about this decision because we were able to buy cash and just like you dad like when you helped me buy my first car my dad helped me you know you put 50% down I put 50% down and we paid cash for it which is great so we paid for this car in cash and you know when an expense starts to meet a psychological need versus a physical need that's when we tend to overspend so I don't know about you but like I saw all these Lexus commercials and different brands of cars over the holidays it's like this December to remember event and you know it's like Oh your spouse could be surprised by this forty five thousand dollar car and you know I think for most America that would be a surprise but not in a good way because you know if you're married you want to talk to your spouse and your significant other about any big financial purchase and so you know with cars seeing these table. you at CNBC no it's actually forms so Forbes wrote a piece about how buying new cars can delay your retirement by years it can delay it 14 years 15 years just because people you know um take cues from commercials to buy their cars and so what you really want to do is the sweet spot in car ownership is buying a two-year old used car because you know once it starts off a lot it's lost a lot of value so and then really being intentional about researching the kind of car that you want to get making sure it's reliable making sure it's good on gas you know because we want to get all the bells and whistles but those bells and whistles can cost us and when we're paying for image when it comes to cars that can really cause us to overspend yeah that's good I know that we recently bought a car and found out that you know we we searched all over Atlanta and we went beyond Atlanta and don't be afraid to look beyond your own city to find the best deal because sometimes it's it's not in your particular city Atlanta is a very competitive market for certain types of vehicles and so you want to really look everywhere when you're searching for a car but that's good advice all right number three is mistake number three is going out to eat too much ooh that one hurts well yeah I mean you know it's just so convenient to go out to eat one of the things that we did in our 11 month long experiment is you know this book is about the little choices that we made and that we journaled throughout 11 11 months timeframe and one of those choices that we made was making different decisions when it came to going out to eat and maybe choosing a less expensive restaurant over a more expensive one and just knowing how much that adds up over time that can make a huge impact in your budget but even you know you don't have to deprive yourself maybe going to Chipotle or chick-fil-a or something like that um you know instead of going to a sit-down more expensive restaurant that can really make a big difference and just to put it into perspective a $50 meal out once a week cost twenty six hundred dollars per year so you think and you think about wow what can I do with that money I could put that money into my retirement account my brought my IRA I could go on a vacation with it and so it's just about figuring out where your money is going and putting it in places where you really want to go because it's so easy to spend that money going out to eat but maybe you know there's something else that you could do with that money yeah and you say habits you know a lot of a lot of times we get in the habit of just going out and don't even think about it so it's I think it's what you're saying is let's be intentional about you know being frugal or being disciplined about how many times we're going to eat out etc exactly well mistake number four is not saving enough for retirement yeah that's a big one and unfortunately it's it's one that affects so many Americans um you know most of us don't have enough retirement money saved but it is the top financial regret of the elderly and so and that's according to an article by CNBC and so you know if at all possible you know if you're you know even just starting you know start at 1% saving for retirement and then just build up you know year after year and once you get used to a certain amount of income it makes it far easier to live with that income later in life and so um you know I would encourage people whether you're in your 20s 30s you know start now just start with a little bit and see how much that little bit can grow because anything that you put into a retirement savings account a Roth IRA is a great place to start um with a company like Vanguard or fidelity and you know you can see that income really start you know beefing up as it you know works with compound interest and so that would definitely be something that we need to do better at as Americans when you say Roth our IRA why don't you explain what that is for the folks sir so I RA is an individual retirement account and you can use these accounts to stash away money for retirement you can do a traditional IRA or you can do a Roth IRA and a Roth IRA is a better option to many people something that clerk talks about a lot when people are just getting started because you pay the tax now with a traditional IRA you pay the tax once you take it out later but you can stash I believe this year at 6500 dollars in either of those and that's the maximum that you can put in there but if you're not already contributing to a 401k at work the 401k would be the number one place to start because if you have a match that's like free money so definitely want to start with a 401k and then see if you can add them to an IRA probably a Roth IRA if you can yeah and you know saving it's not just saving by putting money away but it's also not spending and you know that's one of the your testimony about writing your own book was about in fact why don't you share briefly with the folks what happened with you and kind of what motivated you to get out of debt yes absolutely and you know this is kind of school of hard knocks for me because dad has always told me not to get into that but I did for school and I started start a business and I was like nineteen twenty and so um I had over thirty five thousand dollars in student loan debt hanging over me and when my husband Justin I got married we had a combined total of three hundred thousand dollars of debt because we had two homes and we bought them at the height of the market and we had to we have credit card debt we had car loans and so we really had to work hard at getting all of those debts out of the way but we kept knocking them out and so the student loan was was the final kind of straw and I really wanted to pay that off as quickly as possible so that's where this whole idea about many choices came from and recording expenses and making a better financial choice and so we were able to pay off that student loan that was $27,000 at the start of the year and we were able to pay that off within 11 months mm-hmm that's awesome so one of those things that you had to do was budgeting and that's mistake number five how important is budgeting that is still hard I think it's always going to be hard for us and many people and you know budgeting is something that you know people hear it and I was chatting with a women's group and I mentioned budgeting and they're all I go it's a groan that will echo throughout the room but budgeting is you know not necessarily constraints it's just kind of guidelines and a plan and so you know there's plenty of free budgeting out there budgeting doesn't have to be hard there's you know clarity money there's mint there's all kinds of apps that you can just plug in you know your info and it'll spit out what you're spending and then you can kind of decide where your thresholds are for different categories so another way to do it is cash one thing that we did is and we continue to try to do is especially with food expenses and grocery expenses we try to use cash because you have that set amount and we treat cash much differently than we treat a credit card that one yeah with a credit card it's so easy to swipe and studies have shown that we spend less when we use cash because we have a different relationship with cash because we see it leave our hand and so it's a much different experience even though most of us are encouraged to use plastic because it's so convenient so budgeting is definitely you know one of those things that we want to try to get a hold of when it comes to success with money yeah and I think that you know talking about credit and debt and you know nowadays they're really trying to lure us into the credit cards because of a 2% cash back or 3% and you know all of that that may be good on the front end but it actually encourage you to spend more because you think oh I'm putting a say I'm putting getting money back though and all you're doing is spending more money and but that's so true you know when I go to the grocery store and pull out cash to pay for something I take it more seriously than if I just use my credit card right exactly exactly and one thing that you could do is you know if you want to use credit cards and you want the benefits of the cashback or whatever you can use credit cards for fixed expenses that you'd be paying for anyway and you know use cash maybe for those more variable expenses that you know can get out of hand easily yeah and it's so important for you to not carry over in your spending and kirie debt on a credit card because that will absolutely eat you up with the high interest rates of most credit cards and so you know the the way you beat the credit cards is those recurring incomes or recurring expenses use the credit card for that if you want to build miles or you want to you know bill cash back but the way you beat them is you that thing off every month and that's that's when it that that card becomes your servant instead of you being the servant to that death right exactly exactly I mean if if you can't do that with credit cards maybe just stick to the cash or the debit you know but yeah that's definitely I mean number one roll of credit cards make sure you can pay it off every single month yeah mistake number six falling for scams well you know there are so many scams that steal people's money and Clark's Consumer Action Center gets calls um you know every day hundreds of calls from people who are who have fallen prey to some kind of scam you know there's tons of scams that are happening right now um one of the most popular ones has been the IRS Social Security scam where you get a call from the IRS and they're telling you that you owe money and are threatening you um you know but the IRS does not communicate that way they send letters and mail so security is the same way so what you want to do is if you're faced with something like a phone call or somebody that wants to sell you software or something do a little bit of research about it um don't immediately take action try to stop yourself from taking action when it comes to any of these things and do some research and see if there is a scam out there that you need to be aware of a lot of times there's government websites that have a list of scams that are popping up and greater frequency I say you can check that out um but that's definitely something that you know to watch out for even gift card scams where you know someone might want to sell you a gift card and then it ends up not having any money on it so just be aware of the scams that are out there um Clark coms a great resource for looking for scams and then some of those other websites are really great too yeah and be careful with investments that are promising very high returns you know back in the 90s I got taken I became a victim to a Bernie Madoff type of scam where he was having 20% interest and you know he just you know that interest those those reports came every month saying oh he made this much he made this much then all of a sudden I get a phone call from my manager and he says all of your money is gone the man that we'd been working with was a scam artist and they had fled the country and that was over half a million dollars and we never got one penny back and so be careful with the types of investments that you go into and when they claim to have incredible returns it's probably a situation that you really need to think twice about Wow and I know that was a really painful and I'm glad that you're sharing it with everyone because so many people have gotten taken by scams like that and you know as the slide says if it's too good to be true it probably is you know you just have to watch out and don't use any income that you really need in an investment you only want to use cash that you can afford to lose in an investment that's a very good word their mistake number seven shopping as a hobby okay well this goes back to habits and you know in the book um I just shared that habits are one of our most money-saving assets and that is so true and what you know being in debt taught Justin I was that you know we'd learn to live on less than what we made and so that was something that I think will just you know have such an impact on me for the rest of my life just trying to live beneath our means and pay off that debt but shopping you know I mean some of us or shopaholics I you know of course I'm looking at deals all the time with my job and it's very tempting but you want to be careful not to make shopping one of those things that's filling another kind of void you know shopping can be fun it's fun to get those deals I love deals deal hunting but we just want to make sure that our habits are not leading us as you said before into a path of you know bondage where you know we're becoming a slave to a certain habit or whatever so that's something that is just good to watch out for well I think the other things addictions can come in a lot of different forms and an addiction is anything that you can't lay down voluntarily and if you find that you simply have to shop or have to do something else then you most likely have some kind of an addiction and you need to look at the root cause of that and what need you're trying to meet that that shopping or whatever it activity it is is trying to meet and so this is an area that is very practical and we need to look at it and see what it might be doing to us mm-hmm yeah that's good mistake number eight not having insurance yes and so you know we often think about insurance like car insurance homeowners insurance renter's insurance but other kinds of insurance are often overlooked for example a disability insurance you know Social Security the Social Security government website tells us that one in four of today's young people will be disabled at some point in their lives and so it's really important to consider disability insurance as you're looking at budgeting and monthly expenses because um you know anyone can become disabled at any moment so it's really good to think about short term disability and long term disability I've got a friend of mine she's she's chronically sick and she's been that way ever since she was 27 and so it's just sad for me to watch that because you know she could have probably had a much easier time if they had known about getting disability insurance when they were in their 20s I said that's just something that I would just just plead everyone to look at just because the statistics are real 25 percent of us will be in some you know place where we're not able to work and so it's really important that we are covered not just in our car insurance but also disability insurance and of course health insurance another factor in that is to make sure that you have income that you can live off of two to three months you know set aside in an account on a amount of money that if something happens that you can go to that money to be able to offset what might happen you know you never know it was what comes across our path sometimes and having two to three months of operating income is a wise thing to do and that's separate from your long-term insurance not insurance but long-term retirement savings this is a short-term money that should there be an emergency in other words it's your emergency fund right so if you can't put that much aside yet just start putting a little bit toward that account and set it up as a separate account as a money market or something like that and just put money in there until you get to at least three months of operating income and if you have that money saved up maybe you won't need the short term disability insurance but yes that is that is definitely something that that would be good for everyone to consider mistake number nine not paying bills on time well you know we live in a credit-based society and I know that there's some financial experts out there that you know don't use the credit cards and don't want to rely on credit but you know credit becomes a lot easier if you're looking at buying a car or you need to buy a house and so paying bills on time is definitely a part of that and so when you're looking at a credit score thirty five percent of credit history is based on our thirty five percent of the credit score is based on your history and then thirty thirty percent is the amount owed so that's over 60% of the total credit score and so when you're paying bills on time especially credit cards your credit score is going to go up and you want to make sure that your debt to credit ratio percentage is below 30% overall which means that the amount that you owe is thirty percent is thirty percent of the overall credit that you have if that makes sense because that also has a big impact on your credit score yeah now a lot of times we get these promos for apps that will give us their credit your credit score do you recommend people getting that how important is it for this them to stay in touch with their credit score yes that's a really good idea and when you know the whole Equifax breach happened a lot of people are very concerned about their credit and rightly so so one of the great ways to keep track of that is Credit Karma it's over the K and so you can go on that site and you can monitor your credit and if there's any changes to your credit say if somebody opens an account in your name Credit Karma is going to alert you of that and so you'll be able to catch it in time a lot a lot of things that people or times what people do is they'll actually freeze their credit and if they're concerned about you know stealing their credit history or whatever or opening accountant accounts in their name they can actually freeze their credit you know if you don't have anything that you need to apply for you know you have a house it's pretty much set you're not making any big changes that's another great way to keep criminals from accessing your credit would be to do a credit freeze good mistake number 10 getting into debt this is probably my top mistake and the book you know all money choices this is all about our journey of getting out of debt and making better financial choices you know but that can cost us so much overtime um you know in Proverbs I know you've said this many times says borrower is slave to the lender proverbs 22:7 and so we want to be careful that money is our slave and we're not a slave to money but the cost of financing can be pretty high we think about mortgages they're generally considered good debt because you're actually you know going to get your house but you're still paying a whole lot in interest for example a one hundred and fifty thousand dollar mortgage is going to cost almost five thousand dollars in interest in the first year and so you know when you think about that compared to um you know the tax write-off you're getting most people don't even Ida Mize so it's kind of a wash so you know when people are touting like home ownership you just want to be aware of what you're actually spending an interest because that can really add up over time I remember you know one of my biggest mistakes was you know buying a house with an interest-only loan I don't know what I was thinking but I thought the market would go up and up and it didn't crash just almost as soon as I bought that house and so when I look back at how much money I was paying an interest it is absurd and how much I could have directed that money in other places like you know saving for retirement or business or whatever and so um that's one thing that you know work generally accustomed to as a society is getting into debt but we you know in order to save more money and you know have more financial stability in our lives we really need to think about and think hard when we are faced with getting into that because that can cost so much in the long run you know over the years I've had people talk about the whether you should pay off your mortgage if you have the ability to pay it off and I have always said yes absolutely you want to do that and some would kind of you know argue that point to say that well why would I want to do that you know I've got my money over here collecting interest and I get an interest deduction on my mortgage and the answer to that is you're presuming upon the future for the first thing now you don't know that you'll be able to pay that in the future when you have the ability now and that's exactly what happened to me back in the 90s when I had that Bernie Madoff situation I could have paid my mortgage off at that time but I didn't based on that logic so then after that happened it was tough for me to make that mortgage for season and so they also that the premise that you're having a tax deduction look you're paying a whole lot more interest than the benefit you're getting from a tax deduction then if you had paid off that completely so there is no better feeling than living in a house that you know is paid for and nobody can take it from you you never know what's coming down the pike and so you know that presumption upon the future is not faith it's presumption so if you have the ability to pay it off paid off if you have the ability to pay an extra hundred a month do that anything you can do to reduce the amount of interest you're paying and to get that house under your belt and not the banks bill right exactly all right so we've been talking about all money choices securing financial freedom one step at a time you can get it on our bookstore at tji at bookstore calm you can also get it on Kara's website at Alton money choices calm and you know some of the practical things you're going to learn in this book are how small choices can really add up and why changing your money habits have a big impact over time and you're going to read about Karis is strategy for paying off twenty seven thousand dollars of debt in 11 months she took small choices that added up over time and how to make saving funny money fun and the science of making better choices money mentalities have separate the rich from everyone else and simple steps you can take I encourage you to get this book so you know Kerris has been on this journey with me for many years and after all these years we've been equipping leaders and we've been thinking about how we can help those that we've been serving for these years go deeper and help them with specific things that they tell us they had help need help with and so we've been listening to some of our listeners and I would encourage you that if you'd like to know about these coming things that we're about to do that we're going to announce very shortly within a month or two about a new program you can get on the waiting list for that it become God's change agent com that's become God's change agent calm and if you get on the waiting list you'll be the first one to be notified you'll get a discount on this new program that we're going to be doing plus you will get a download that's free of my top ten biblical truths for succeeding in life and work and so if that's of interest you just go to become God's change agent comm will cost you anything just to be on the waiting list and that'll be a free download now let me remind you that if you're listening on iTunes we want you to rate our podcast that allows us to encourage others to come to our and subscribe to our podcasts and download the podcast audio and if you're watching us on YouTube we want you to subscribe to our Channel and share your comments at the bottom of the presentation on YouTube and that will allow us also to have more people watching our programs and so let's curious when we come back on the video just for a moment as we say goodbye to our friends and let's see if I can do that there we are there we are both so again the book is all money choices and it's a great read it's not a very big book it's only 118 pages so you you know I like those kind of small books you can read almost in one session but you won't do that in this cuz you need to really study what to do and take the advice that she has there well Kara says we close out today any final words for those that that are out there well I think one of the things that just became such a big theme of the book is you know just realizing how much God gave us choice and how it's one of the gifts that he gave us you know in the Garden of Eden he gave Adam and Eve a choice and so you know one of the most impactful things that I want people to get from the book is just to realize you know you might be in a certain situation or you might be facing a big challenge right now but you know there are choices that that you have that you may not even have thought of yet and you know God has given us creativity as well and so you know even though we might feel like we're in a tough spot um you know he can give us ideas and solutions to those things that we're facing and so um you know he just gave us such a big gift when it came to her choice and so I just want to encourage people with that yeah and that's a good word I think that whenever we are intentional about something like this God sees that it's a it's a step of faith and sometimes when you put your first foot forward towards something God multiplies it and it's amazing how many things can change you know in my own situation although I'd lost a half million dollars at the end of seven years God restored all of it back and I had no idea that was going to happen but I was just seeking God and asking him to help me walk through that season and I paid off all the debts I owed as a result of that crisis and that's important so be faithful in the little things and the big things and God will honor that faith so what cares thanks so much and everybody joining us today god bless you and we'll see you next week

Are you in debt? Do you need a strategy? to get out of debt? Well, today I've got a guest that's gonna help you do just that so, stay tuned. How do I bring my faith to work how do I tap into the power of God. Why am I going through this adversity? Hi I’m Os Hillman. I've been helping leaders like you answer these question for over 30 years. That's what this podcast is all about. Let's learn and grow together. Welcome to TGIF Today God Is First . So welcome to our podcast this week. It is such a delight to have my daughter as my guest this week and her name is Charis Brown and Charis is in the media and she has a new book out and it's a book that everyone's gonna benefit from and so she is author of two books she actually created a new book when she was working for me called TGIF for next generation and her new book is called Alt Money Choices: Securing financial freedom one choice at a time and she speaks to groups about faith and finance she's also an editor for ClarkHoward.com and managing editor for ClarkeDeals.com daily deals website started by a consumer expert radio talk show host and New York Times bestselling author Clark Howard. She lives with her husband just a few miles from a with their cat in North Atlanta well. Charis great to have you on today thanks for having me dad well you've done a great job with this new book and we're gonna get into some details but before we do let me just tell people that you know this is your second book and you wrote TGIF for next generation which is a daily devotional and you can get it online at your website what website is that if they want to go and sign up for your place oh well if they want to get the free devotional its prison ministry at work but of course you guys have copies so I would encourage people to get copies from you too so yeah it's a it's a 365 day daily devotional and her ministry site is Prismministries.org or prism ministries.org but today we're talking about this new book and Clark Howard you know it's interesting he is a household name in Atlanta and a few other cities. How many cities is he in now? He's in quite a few there's a there's a long list of media affiliates that will air the show in different markets um you know LA it's one of those big cities that regularly air the Clark Howard show so yeah well he's quite a name in different markets and he helps people save money and it evidently has rubbed off on Karras because she now has a book that he is endorsing and he won't endorse a book that doesn't prove it's going to save people money so you can be sure this has been field-tested by a Clark but he gave a great recommendation for the book and today we're going to talk about this and listen to what Clark says about the book I loved Charis’s book. I couldn't stop reading it and I finished it in a couple of hours what I love about Charis’s story is she's so methodical about her process and she's not preaching at people she's teaching how to get their money in order and so that's what we're going to learn today and so we're going to go ahead and shut our video off so today we're going to talk about top 10 financial mistakes people make that cost them money and how you can avoid them you know curious when I looked at that list I thought that was an incredible list of things that you know money just flows out of our pockets so easily sometimes and you put together a list and different aspects of what those ten things are that eat people's money and so we're gonna go through each one and you're gonna tell us what we need to know about it and mistake number one is over buying on a home tell us about that alright well a home you know is probably the biggest one of the biggest financial decisions that will make in a lifetime because a home is generally the most expensive part of somebody's budget if you look at someone's pleasure like a pie you know if the housing cost is going to take up a big portion of that pie and so um you know you really want to think about that and not in terms of what your Realtor is telling you and what your banker is telling you because often they're going to try to get you into something that is at the max of what you can afford but what you really want to do is you want to look at your budget and you don't want your housing expense to eat up you know more than 25% 20% if you can get it down to 15 that's really ideal um but you know people so many people over buy on their house and then they don't have money later in retirement when they need it most and so just to give you a couple of figures you know if you buy a $250,000 house that's gonna end up with interest being over $400,000 if you buy a $500,000 house that's gonna end up being over $700,000 because of the interest and so you can see how much that adds up over time you know one of the things people don't realize is if you just pay a little extra every month you can significantly reduce the overall amount that you're going to spend and reduce the term of your loan just paying an extra fifty or hundred dollars a month can make a big difference yes that's so true yes and that's one of the things that we highlight in the book just about you know it's little changes that you can make that will make a big difference so that's definitely one of those choices that you can make yeah all right mistake number two over buying on a car well we just actually bought a new car new to us it's not a brand new car it's a 2009 Honda but we were really feeling good about this decision because we were able to buy cash and just like you dad like when you helped me buy my first car my dad helped me you know you put 50% down I put 50% down and we paid cash for it which is great so we paid for this car in cash and you know when an expense starts to meet a psychological need versus a physical need that's when we tend to overspend so I don't know about you but like I saw all these Lexus commercials and different brands of cars over the holidays it's like this December to remember event and you know it's like Oh your spouse could be surprised by this forty five thousand dollar car and you know I think for most America that would be a surprise but not in a good way because you know if you're married you want to talk to your spouse and your significant other about any big financial purchase and so you know with cars seeing these table. you at CNBC no it's actually forms so Forbes wrote a piece about how buying new cars can delay your retirement by years it can delay it 14 years 15 years just because people you know um take cues from commercials to buy their cars and so what you really want to do is the sweet spot in car ownership is buying a two-year old used car because you know once it starts off a lot it's lost a lot of value so and then really being intentional about researching the kind of car that you want to get making sure it's reliable making sure it's good on gas you know because we want to get all the bells and whistles but those bells and whistles can cost us and when we're paying for image when it comes to cars that can really cause us to overspend yeah that's good I know that we recently bought a car and found out that you know we we searched all over Atlanta and we went beyond Atlanta and don't be afraid to look beyond your own city to find the best deal because sometimes it's it's not in your particular city Atlanta is a very competitive market for certain types of vehicles and so you want to really look everywhere when you're searching for a car but that's good advice all right number three is mistake number three is going out to eat too much ooh that one hurts well yeah I mean you know it's just so convenient to go out to eat one of the things that we did in our 11 month long experiment is you know this book is about the little choices that we made and that we journaled throughout 11 11 months timeframe and one of those choices that we made was making different decisions when it came to going out to eat and maybe choosing a less expensive restaurant over a more expensive one and just knowing how much that adds up over time that can make a huge impact in your budget but even you know you don't have to deprive yourself maybe going to Chipotle or chick-fil-a or something like that um you know instead of going to a sit-down more expensive restaurant that can really make a big difference and just to put it into perspective a $50 meal out once a week cost twenty six hundred dollars per year so you think and you think about wow what can I do with that money I could put that money into my retirement account my brought my IRA I could go on a vacation with it and so it's just about figuring out where your money is going and putting it in places where you really want to go because it's so easy to spend that money going out to eat but maybe you know there's something else that you could do with that money yeah and you say habits you know a lot of a lot of times we get in the habit of just going out and don't even think about it so it's I think it's what you're saying is let's be intentional about you know being frugal or being disciplined about how many times we're going to eat out etc exactly well mistake number four is not saving enough for retirement yeah that's a big one and unfortunately it's it's one that affects so many Americans um you know most of us don't have enough retirement money saved but it is the top financial regret of the elderly and so and that's according to an article by CNBC and so you know if at all possible you know if you're you know even just starting you know start at 1% saving for retirement and then just build up you know year after year and once you get used to a certain amount of income it makes it far easier to live with that income later in life and so um you know I would encourage people whether you're in your 20s 30s you know start now just start with a little bit and see how much that little bit can grow because anything that you put into a retirement savings account a Roth IRA is a great place to start um with a company like Vanguard or fidelity and you know you can see that income really start you know beefing up as it you know works with compound interest and so that would definitely be something that we need to do better at as Americans when you say Roth our IRA why don't you explain what that is for the folks sir so I RA is an individual retirement account and you can use these accounts to stash away money for retirement you can do a traditional IRA or you can do a Roth IRA and a Roth IRA is a better option to many people something that clerk talks about a lot when people are just getting started because you pay the tax now with a traditional IRA you pay the tax once you take it out later but you can stash I believe this year at 6500 dollars in either of those and that's the maximum that you can put in there but if you're not already contributing to a 401k at work the 401k would be the number one place to start because if you have a match that's like free money so definitely want to start with a 401k and then see if you can add them to an IRA probably a Roth IRA if you can yeah and you know saving it's not just saving by putting money away but it's also not spending and you know that's one of the your testimony about writing your own book was about in fact why don't you share briefly with the folks what happened with you and kind of what motivated you to get out of debt yes absolutely and you know this is kind of school of hard knocks for me because dad has always told me not to get into that but I did for school and I started start a business and I was like nineteen twenty and so um I had over thirty five thousand dollars in student loan debt hanging over me and when my husband Justin I got married we had a combined total of three hundred thousand dollars of debt because we had two homes and we bought them at the height of the market and we had to we have credit card debt we had car loans and so we really had to work hard at getting all of those debts out of the way but we kept knocking them out and so the student loan was was the final kind of straw and I really wanted to pay that off as quickly as possible so that's where this whole idea about many choices came from and recording expenses and making a better financial choice and so we were able to pay off that student loan that was $27,000 at the start of the year and we were able to pay that off within 11 months mm-hmm that's awesome so one of those things that you had to do was budgeting and that's mistake number five how important is budgeting that is still hard I think it's always going to be hard for us and many people and you know budgeting is something that you know people hear it and I was chatting with a women's group and I mentioned budgeting and they're all I go it's a groan that will echo throughout the room but budgeting is you know not necessarily constraints it's just kind of guidelines and a plan and so you know there's plenty of free budgeting out there budgeting doesn't have to be hard there's you know clarity money there's mint there's all kinds of apps that you can just plug in you know your info and it'll spit out what you're spending and then you can kind of decide where your thresholds are for different categories so another way to do it is cash one thing that we did is and we continue to try to do is especially with food expenses and grocery expenses we try to use cash because you have that set amount and we treat cash much differently than we treat a credit card that one yeah with a credit card it's so easy to swipe and studies have shown that we spend less when we use cash because we have a different relationship with cash because we see it leave our hand and so it's a much different experience even though most of us are encouraged to use plastic because it's so convenient so budgeting is definitely you know one of those things that we want to try to get a hold of when it comes to success with money yeah and I think that you know talking about credit and debt and you know nowadays they're really trying to lure us into the credit cards because of a 2% cash back or 3% and you know all of that that may be good on the front end but it actually encourage you to spend more because you think oh I'm putting a say I'm putting getting money back though and all you're doing is spending more money and but that's so true you know when I go to the grocery store and pull out cash to pay for something I take it more seriously than if I just use my credit card right exactly exactly and one thing that you could do is you know if you want to use credit cards and you want the benefits of the cashback or whatever you can use credit cards for fixed expenses that you'd be paying for anyway and you know use cash maybe for those more variable expenses that you know can get out of hand easily yeah and it's so important for you to not carry over in your spending and kirie debt on a credit card because that will absolutely eat you up with the high interest rates of most credit cards and so you know the the way you beat the credit cards is those recurring incomes or recurring expenses use the credit card for that if you want to build miles or you want to you know bill cash back but the way you beat them is you that thing off every month and that's that's when it that that card becomes your servant instead of you being the servant to that death right exactly exactly I mean if if you can't do that with credit cards maybe just stick to the cash or the debit you know but yeah that's definitely I mean number one roll of credit cards make sure you can pay it off every single month yeah mistake number six falling for scams well you know there are so many scams that steal people's money and Clark's Consumer Action Center gets calls um you know every day hundreds of calls from people who are who have fallen prey to some kind of scam you know there's tons of scams that are happening right now um one of the most popular ones has been the IRS Social Security scam where you get a call from the IRS and they're telling you that you owe money and are threatening you um you know but the IRS does not communicate that way they send letters and mail so security is the same way so what you want to do is if you're faced with something like a phone call or somebody that wants to sell you software or something do a little bit of research about it um don't immediately take action try to stop yourself from taking action when it comes to any of these things and do some research and see if there is a scam out there that you need to be aware of a lot of times there's government websites that have a list of scams that are popping up and greater frequency I say you can check that out um but that's definitely something that you know to watch out for even gift card scams where you know someone might want to sell you a gift card and then it ends up not having any money on it so just be aware of the scams that are out there um Clark coms a great resource for looking for scams and then some of those other websites are really great too yeah and be careful with investments that are promising very high returns you know back in the 90s I got taken I became a victim to a Bernie Madoff type of scam where he was having 20% interest and you know he just you know that interest those those reports came every month saying oh he made this much he made this much then all of a sudden I get a phone call from my manager and he says all of your money is gone the man that we'd been working with was a scam artist and they had fled the country and that was over half a million dollars and we never got one penny back and so be careful with the types of investments that you go into and when they claim to have incredible returns it's probably a situation that you really need to think twice about Wow and I know that was a really painful and I'm glad that you're sharing it with everyone because so many people have gotten taken by scams like that and you know as the slide says if it's too good to be true it probably is you know you just have to watch out and don't use any income that you really need in an investment you only want to use cash that you can afford to lose in an investment that's a very good word their mistake number seven shopping as a hobby okay well this goes back to habits and you know in the book um I just shared that habits are one of our most money-saving assets and that is so true and what you know being in debt taught Justin I was that you know we'd learn to live on less than what we made and so that was something that I think will just you know have such an impact on me for the rest of my life just trying to live beneath our means and pay off that debt but shopping you know I mean some of us or shopaholics I you know of course I'm looking at deals all the time with my job and it's very tempting but you want to be careful not to make shopping one of those things that's filling another kind of void you know shopping can be fun it's fun to get those deals I love deals deal hunting but we just want to make sure that our habits are not leading us as you said before into a path of you know bondage where you know we're becoming a slave to a certain habit or whatever so that's something that is just good to watch out for well I think the other things addictions can come in a lot of different forms and an addiction is anything that you can't lay down voluntarily and if you find that you simply have to shop or have to do something else then you most likely have some kind of an addiction and you need to look at the root cause of that and what need you're trying to meet that that shopping or whatever it activity it is is trying to meet and so this is an area that is very practical and we need to look at it and see what it might be doing to us mm-hmm yeah that's good mistake number eight not having insurance yes and so you know we often think about insurance like car insurance homeowners insurance renter's insurance but other kinds of insurance are often overlooked for example a disability insurance you know Social Security the Social Security government website tells us that one in four of today's young people will be disabled at some point in their lives and so it's really important to consider disability insurance as you're looking at budgeting and monthly expenses because um you know anyone can become disabled at any moment so it's really good to think about short term disability and long term disability I've got a friend of mine she's she's chronically sick and she's been that way ever since she was 27 and so it's just sad for me to watch that because you know she could have probably had a much easier time if they had known about getting disability insurance when they were in their 20s I said that's just something that I would just just plead everyone to look at just because the statistics are real 25 percent of us will be in some you know place where we're not able to work and so it's really important that we are covered not just in our car insurance but also disability insurance and of course health insurance another factor in that is to make sure that you have income that you can live off of two to three months you know set aside in an account on a amount of money that if something happens that you can go to that money to be able to offset what might happen you know you never know it was what comes across our path sometimes and having two to three months of operating income is a wise thing to do and that's separate from your long-term insurance not insurance but long-term retirement savings this is a short-term money that should there be an emergency in other words it's your emergency fund right so if you can't put that much aside yet just start putting a little bit toward that account and set it up as a separate account as a money market or something like that and just put money in there until you get to at least three months of operating income and if you have that money saved up maybe you won't need the short term disability insurance but yes that is that is definitely something that that would be good for everyone to consider mistake number nine not paying bills on time well you know we live in a credit-based society and I know that there's some financial experts out there that you know don't use the credit cards and don't want to rely on credit but you know credit becomes a lot easier if you're looking at buying a car or you need to buy a house and so paying bills on time is definitely a part of that and so when you're looking at a credit score thirty five percent of credit history is based on our thirty five percent of the credit score is based on your history and then thirty thirty percent is the amount owed so that's over 60% of the total credit score and so when you're paying bills on time especially credit cards your credit score is going to go up and you want to make sure that your debt to credit ratio percentage is below 30% overall which means that the amount that you owe is thirty percent is thirty percent of the overall credit that you have if that makes sense because that also has a big impact on your credit score yeah now a lot of times we get these promos for apps that will give us their credit your credit score do you recommend people getting that how important is it for this them to stay in touch with their credit score yes that's a really good idea and when you know the whole Equifax breach happened a lot of people are very concerned about their credit and rightly so so one of the great ways to keep track of that is Credit Karma it's over the K and so you can go on that site and you can monitor your credit and if there's any changes to your credit say if somebody opens an account in your name Credit Karma is going to alert you of that and so you'll be able to catch it in time a lot a lot of things that people or times what people do is they'll actually freeze their credit and if they're concerned about you know stealing their credit history or whatever or opening accountant accounts in their name they can actually freeze their credit you know if you don't have anything that you need to apply for you know you have a house it's pretty much set you're not making any big changes that's another great way to keep criminals from accessing your credit would be to do a credit freeze good mistake number 10 getting into debt this is probably my top mistake and the book you know all money choices this is all about our journey of getting out of debt and making better financial choices you know but that can cost us so much overtime um you know in Proverbs I know you've said this many times says borrower is slave to the lender proverbs 22:7 and so we want to be careful that money is our slave and we're not a slave to money but the cost of financing can be pretty high we think about mortgages they're generally considered good debt because you're actually you know going to get your house but you're still paying a whole lot in interest for example a one hundred and fifty thousand dollar mortgage is going to cost almost five thousand dollars in interest in the first year and so you know when you think about that compared to um you know the tax write-off you're getting most people don't even Ida Mize so it's kind of a wash so you know when people are touting like home ownership you just want to be aware of what you're actually spending an interest because that can really add up over time I remember you know one of my biggest mistakes was you know buying a house with an interest-only loan I don't know what I was thinking but I thought the market would go up and up and it didn't crash just almost as soon as I bought that house and so when I look back at how much money I was paying an interest it is absurd and how much I could have directed that money in other places like you know saving for retirement or business or whatever and so um that's one thing that you know work generally accustomed to as a society is getting into debt but we you know in order to save more money and you know have more financial stability in our lives we really need to think about and think hard when we are faced with getting into that because that can cost so much in the long run you know over the years I've had people talk about the whether you should pay off your mortgage if you have the ability to pay it off and I have always said yes absolutely you want to do that and some would kind of you know argue that point to say that well why would I want to do that you know I've got my money over here collecting interest and I get an interest deduction on my mortgage and the answer to that is you're presuming upon the future for the first thing now you don't know that you'll be able to pay that in the future when you have the ability now and that's exactly what happened to me back in the 90s when I had that Bernie Madoff situation I could have paid my mortgage off at that time but I didn't based on that logic so then after that happened it was tough for me to make that mortgage for season and so they also that the premise that you're having a tax deduction look you're paying a whole lot more interest than the benefit you're getting from a tax deduction then if you had paid off that completely so there is no better feeling than living in a house that you know is paid for and nobody can take it from you you never know what's coming down the pike and so you know that presumption upon the future is not faith it's presumption so if you have the ability to pay it off paid off if you have the ability to pay an extra hundred a month do that anything you can do to reduce the amount of interest you're paying and to get that house under your belt and not the banks bill right exactly all right so we've been talking about all money choices securing financial freedom one step at a time you can get it on our bookstore at tji at bookstore calm you can also get it on Kara's website at Alton money choices calm and you know some of the practical things you're going to learn in this book are how small choices can really add up and why changing your money habits have a big impact over time and you're going to read about Karis is strategy for paying off twenty seven thousand dollars of debt in 11 months she took small choices that added up over time and how to make saving funny money fun and the science of making better choices money mentalities have separate the rich from everyone else and simple steps you can take I encourage you to get this book so you know Kerris has been on this journey with me for many years and after all these years we've been equipping leaders and we've been thinking about how we can help those that we've been serving for these years go deeper and help them with specific things that they tell us they had help need help with and so we've been listening to some of our listeners and I would encourage you that if you'd like to know about these coming things that we're about to do that we're going to announce very shortly within a month or two about a new program you can get on the waiting list for that it become God's change agent com that's become God's change agent calm and if you get on the waiting list you'll be the first one to be notified you'll get a discount on this new program that we're going to be doing plus you will get a download that's free of my top ten biblical truths for succeeding in life and work and so if that's of interest you just go to become God's change agent comm will cost you anything just to be on the waiting list and that'll be a free download now let me remind you that if you're listening on iTunes we want you to rate our podcast that allows us to encourage others to come to our and subscribe to our podcasts and download the podcast audio and if you're watching us on YouTube we want you to subscribe to our Channel and share your comments at the bottom of the presentation on YouTube and that will allow us also to have more people watching our programs and so let's curious when we come back on the video just for a moment as we say goodbye to our friends and let's see if I can do that there we are there we are both so again the book is all money choices and it's a great read it's not a very big book it's only 118 pages so you you know I like those kind of small books you can read almost in one session but you won't do that in this cuz you need to really study what to do and take the advice that she has there well Kara says we close out today any final words for those that that are out there well I think one of the things that just became such a big theme of the book is you know just realizing how much God gave us choice and how it's one of the gifts that he gave us you know in the Garden of Eden he gave Adam and Eve a choice and so you know one of the most impactful things that I want people to get from the book is just to realize you know you might be in a certain situation or you might be facing a big challenge right now but you know there are choices that that you have that you may not even have thought of yet and you know God has given us creativity as well and so you know even though we might feel like we're in a tough spot um you know he can give us ideas and solutions to those things that we're facing and so um you know he just gave us such a big gift when it came to her choice and so I just want to encourage people with that yeah and that's a good word I think that whenever we are intentional about something like this God sees that it's a it's a step of faith and sometimes when you put your first foot forward towards something God multiplies it and it's amazing how many things can change you know in my own situation although I'd lost a half million dollars at the end of seven years God restored all of it back and I had no idea that was going to happen but I was just seeking God and asking him to help me walk through that season and I paid off all the debts I owed as a result of that crisis and that's important so be faithful in the little things and the big things and God will honor that faith so what cares thanks so much and everybody joining us today god bless you and we'll see you next week

Are you in debt? Do you need a strategy? to get out of debt? Well, today I've got a guest that's gonna help you do just that so, stay tuned. How do I bring my faith to work how do I tap into the power of God. Why am I going through this adversity? Hi I'm Os Hillman. I've been helping leaders like you answer these question for over 30 years. That's what this podcast is all about. Let's learn and grow together. Welcome to TGIF Today God Is First . So welcome to our podcast this week. It is such a delight to have my daughter as my guest this week and her name is Charis Brown and Charis is in the media and she has a new book out and it's a book that everyone's gonna benefit from and so she is author of two books she actually created a new book when she was working for me called TGIF for next generation and her new book is called Alt Money Choices: Securing financial freedom one choice at a time and she speaks to groups about faith and finance she's also an editor for ClarkHoward.com and managing editor for ClarkeDeals.com daily deals website started by a consumer expert radio talk show host and New York Times bestselling author Clark Howard. She lives with her husband just a few miles from a with their cat in North Atlanta well. Charis great to have you on today thanks for having me dad well you've done a great job with this new book and we're gonna get into some details but before we do let me just tell people that you know this is your second book and you wrote TGIF for next generation which is a daily devotional and you can get it online at your website what website is that if they want to go and sign up for your place oh well if they want to get the free devotional its prison ministry at work but of course you guys have copies so I would encourage people to get copies from you too so yeah it's a it's a 365 day daily devotional and her ministry site is Prismministries.org or prism ministries.org but today we're talking about this new book and Clark Howard you know it's interesting he is a household name in Atlanta and a few other cities. How many cities is he in now? He's in quite a few there's a there's a long list of media affiliates that will air the show in different markets um you know LA it's one of those big cities that regularly air the Clark Howard show so yeah well he's quite a name in different markets and he helps people save money and it evidently has rubbed off on Karras because she now has a book that he is endorsing and he won't endorse a book that doesn't prove it's going to save people money so you can be sure this has been field-tested by a Clark but he gave a great recommendation for the book and today we're going to talk about this and listen to what Clark says about the book I loved Charis's book. I couldn't stop reading it and I finished it in a couple of hours what I love about Charis's story is she's so methodical about her process and she's not preaching at people she's teaching how to get their money in order and so that's what we're going to learn today and so we're going to go ahead and shut our video off so today we're going to talk about top 10 financial mistakes people make that cost them money and how you can avoid them you know curious when I looked at that list I thought that was an incredible list of things that you know money just flows out of our pockets so easily sometimes and you put together a list and different aspects of what those ten things are that eat people's money and so we're gonna go through each one and you're gonna tell us what we need to know about it and mistake number one is over buying on a home tell us about that alright well a home you know is probably the biggest one of the biggest financial decisions that will make in a lifetime because a home is generally the most expensive part of somebody's budget if you look at someone's pleasure like a pie you know if the housing cost is going to take up a big portion of that pie and so um you know you really want to think about that and not in terms of what your Realtor is telling you and what your banker is telling you because often they're going to try to get you into something that is at the max of what you can afford but what you really want to do is you want to look at your budget and you don't want your housing expense to eat up you know more than 25% 20% if you can get it down to 15 that's really ideal um but you know people so many people over buy on their house and then they don't have money later in retirement when they need it most and so just to give you a couple of figures you know if you buy a $250,000 house that's gonna end up with interest being over $400,000 if you buy a $500,000 house that's gonna end up being over $700,000 because of the interest and so you can see how much that adds up over time you know one of the things people don't realize is if you just pay a little extra every month you can significantly reduce the overall amount that you're going to spend and reduce the term of your loan just paying an extra fifty or hundred dollars a month can make a big difference yes that's so true yes and that's one of the things that we highlight in the book just about you know it's little changes that you can make that will make a big difference so that's definitely one of those choices that you can make yeah all right mistake number two over buying on a car well we just actually bought a new car new to us it's not a brand new car it's a 2009 Honda but we were really feeling good about this decision because we were able to buy cash and just like you dad like when you helped me buy my first car my dad helped me you know you put 50% down I put 50% down and we paid cash for it which is great so we paid for this car in cash and you know when an expense starts to meet a psychological need versus a physical need that's when we tend to overspend so I don't know about you but like I saw all these Lexus commercials and different brands of cars over the holidays it's like this December to remember event and you know it's like Oh your spouse could be surprised by this forty five thousand dollar car and you know I think for most America that would be a surprise but not in a good way because you know if you're married you want to talk to your spouse and your significant other about any big financial purchase and so you know with cars seeing these table. you at CNBC no it's actually forms so Forbes wrote a piece about how buying new cars can delay your retirement by years it can delay it 14 years 15 years just because people you know um take cues from commercials to buy their cars and so what you really want to do is the sweet spot in car ownership is buying a two-year old used car because you know once it starts off a lot it's lost a lot of value so and then really being intentional about researching the kind of car that you want to get making sure it's reliable making sure it's good on gas you know because we want to get all the bells and whistles but those bells and whistles can cost us and when we're paying for image when it comes to cars that can really cause us to overspend yeah that's good I know that we recently bought a car and found out that you know we we searched all over Atlanta and we went beyond Atlanta and don't be afraid to look beyond your own city to find the best deal because sometimes it's it's not in your particular city Atlanta is a very competitive market for certain types of vehicles and so you want to really look everywhere when you're searching for a car but that's good advice all right number three is mistake number three is going out to eat too much ooh that one hurts well yeah I mean you know it's just so convenient to go out to eat one of the things that we did in our 11 month long experiment is you know this book is about the little choices that we made and that we journaled throughout 11 11 months timeframe and one of those choices that we made was making different decisions when it came to going out to eat and maybe choosing a less expensive restaurant over a more expensive one and just knowing how much that adds up over time that can make a huge impact in your budget but even you know you don't have to deprive yourself maybe going to Chipotle or chick-fil-a or something like that um you know instead of going to a sit-down more expensive restaurant that can really make a big difference and just to put it into perspective a $50 meal out once a week cost twenty six hundred dollars per year so you think and you think about wow what can I do with that money I could put that money into my retirement account my brought my IRA I could go on a vacation with it and so it's just about figuring out where your money is going and putting it in places where you really want to go because it's so easy to spend that money going out to eat but maybe you know there's something else that you could do with that money yeah and you say habits you know a lot of a lot of times we get in the habit of just going out and don't even think about it so it's I think it's what you're saying is let's be intentional about you know being frugal or being disciplined about how many times we're going to eat out etc exactly well mistake number four is not saving enough for retirement yeah that's a big one and unfortunately it's it's one that affects so many Americans um you know most of us don't have enough retirement money saved but it is the top financial regret of the elderly and so and that's according to an article by CNBC and so you know if at all possible you know if you're you know even just starting you know start at 1% saving for retirement and then just build up you know year after year and once you get used to a certain amount of income it makes it far easier to live with that income later in life and so um you know I would encourage people whether you're in your 20s 30s you know start now just start with a little bit and see how much that little bit can grow because anything that you put into a retirement savings account a Roth IRA is a great place to start um with a company like Vanguard or fidelity and you know you can see that income really start you know beefing up as it you know works with compound interest and so that would definitely be something that we need to do better at as Americans when you say Roth our IRA why don't you explain what that is for the folks sir so I RA is an individual retirement account and you can use these accounts to stash away money for retirement you can do a traditional IRA or you can do a Roth IRA and a Roth IRA is a better option to many people something that clerk talks about a lot when people are just getting started because you pay the tax now with a traditional IRA you pay the tax once you take it out later but you can stash I believe this year at 6500 dollars in either of those and that's the maximum that you can put in there but if you're not already contributing to a 401k at work the 401k would be the number one place to start because if you have a match that's like free money so definitely want to start with a 401k and then see if you can add them to an IRA probably a Roth IRA if you can yeah and you know saving it's not just saving by putting money away but it's also not spending and you know that's one of the your testimony about writing your own book was about in fact why don't you share briefly with the folks what happened with you and kind of what motivated you to get out of debt yes absolutely and you know this is kind of school of hard knocks for me because dad has always told me not to get into that but I did for school and I started start a business and I was like nineteen twenty and so um I had over thirty five thousand dollars in student loan debt hanging over me and when my husband Justin I got married we had a combined total of three hundred thousand dollars of debt because we had two homes and we bought them at the height of the market and we had to we have credit card debt we had car loans and so we really had to work hard at getting all of those debts out of the way but we kept knocking them out and so the student loan was was the final kind of straw and I really wanted to pay that off as quickly as possible so that's where this whole idea about many choices came from and recording expenses and making a better financial choice and so we were able to pay off that student loan that was $27,000 at the start of the year and we were able to pay that off within 11 months mm-hmm that's awesome so one of those things that you had to do was budgeting and that's mistake number five how important is budgeting that is still hard I think it's always going to be hard for us and many people and you know budgeting is something that you know people hear it and I was chatting with a women's group and I mentioned budgeting and they're all I go it's a groan that will echo throughout the room but budgeting is you know not necessarily constraints it's just kind of guidelines and a plan and so you know there's plenty of free budgeting out there budgeting doesn't have to be hard there's you know clarity money there's mint there's all kinds of apps that you can just plug in you know your info and it'll spit out what you're spending and then you can kind of decide where your thresholds are for different categories so another way to do it is cash one thing that we did is and we continue to try to do is especially with food expenses and grocery expenses we try to use cash because you have that set amount and we treat cash much differently than we treat a credit card that one yeah with a credit card it's so easy to swipe and studies have shown that we spend less when we use cash because we have a different relationship with cash because we see it leave our hand and so it's a much different experience even though most of us are encouraged to use plastic because it's so convenient so budgeting is definitely you know one of those things that we want to try to get a hold of when it comes to success with money yeah and I think that you know talking about credit and debt and you know nowadays they're really trying to lure us into the credit cards because of a 2% cash back or 3% and you know all of that that may be good on the front end but it actually encourage you to spend more because you think oh I'm putting a say I'm putting getting money back though and all you're doing is spending more money and but that's so true you know when I go to the grocery store and pull out cash to pay for something I take it more seriously than if I just use my credit card right exactly exactly and one thing that you could do is you know if you want to use credit cards and you want the benefits of the cashback or whatever you can use credit cards for fixed expenses that you'd be paying for anyway and you know use cash maybe for those more variable expenses that you know can get out of hand easily yeah and it's so important for you to not carry over in your spending and kirie debt on a credit card because that will absolutely eat you up with the high interest rates of most credit cards and so you know the the way you beat the credit cards is those recurring incomes or recurring expenses use the credit card for that if you want to build miles or you want to you know bill cash back but the way you beat them is you that thing off every month and that's that's when it that that card becomes your servant instead of you being the servant to that death right exactly exactly I mean if if you can't do that with credit cards maybe just stick to the cash or the debit you know but yeah that's definitely I mean number one roll of credit cards make sure you can pay it off every single month yeah mistake number six falling for scams well you know there are so many scams that steal people's money and Clark's Consumer Action Center gets calls um you know every day hundreds of calls from people who are who have fallen prey to some kind of scam you know there's tons of scams that are happening right now um one of the most popular ones has been the IRS Social Security scam where you get a call from the IRS and they're telling you that you owe money and are threatening you um you know but the IRS does not communicate that way they send letters and mail so security is the same way so what you want to do is if you're faced with something like a phone call or somebody that wants to sell you software or something do a little bit of research about it um don't immediately take action try to stop yourself from taking action when it comes to any of these things and do some research and see if there is a scam out there that you need to be aware of a lot of times there's government websites that have a list of scams that are popping up and greater frequency I say you can check that out um but that's definitely something that you know to watch out for even gift card scams where you know someone might want to sell you a gift card and then it ends up not having any money on it so just be aware of the scams that are out there um Clark coms a great resource for looking for scams and then some of those other websites are really great too yeah and be careful with investments that are promising very high returns you know back in the 90s I got taken I became a victim to a Bernie Madoff type of scam where he was having 20% interest and you know he just you know that interest those those reports came every month saying oh he made this much he made this much then all of a sudden I get a phone call from my manager and he says all of your money is gone the man that we'd been working with was a scam artist and they had fled the country and that was over half a million dollars and we never got one penny back and so be careful with the types of investments that you go into and when they claim to have incredible returns it's probably a situation that you really need to think twice about Wow and I know that was a really painful and I'm glad that you're sharing it with everyone because so many people have gotten taken by scams like that and you know as the slide says if it's too good to be true it probably is you know you just have to watch out and don't use any income that you really need in an investment you only want to use cash that you can afford to lose in an investment that's a very good word their mistake number seven shopping as a hobby okay well this goes back to habits and you know in the book um I just shared that habits are one of our most money-saving assets and that is so true and what you know being in debt taught Justin I was that you know we'd learn to live on less than what we made and so that was something that I think will just you know have such an impact on me for the rest of my life just trying to live beneath our means and pay off that debt but shopping you know I mean some of us or shopaholics I you know of course I'm looking at deals all the time with my job and it's very tempting but you want to be careful not to make shopping one of those things that's filling another kind of void you know shopping can be fun it's fun to get those deals I love deals deal hunting but we just want to make sure that our habits are not leading us as you said before into a path of you know bondage where you know we're becoming a slave to a certain habit or whatever so that's something that is just good to watch out for well I think the other things addictions can come in a lot of different forms and an addiction is anything that you can't lay down voluntarily and if you find that you simply have to shop or have to do something else then you most likely have some kind of an addiction and you need to look at the root cause of that and what need you're trying to meet that that shopping or whatever it activity it is is trying to meet and so this is an area that is very practical and we need to look at it and see what it might be doing to us mm-hmm yeah that's good mistake number eight not having insurance yes and so you know we often think about insurance like car insurance homeowners insurance renter's insurance but other kinds of insurance are often overlooked for example a disability insurance you know Social Security the Social Security government website tells us that one in four of today's young people will be disabled at some point in their lives and so it's really important to consider disability insurance as you're looking at budgeting and monthly expenses because um you know anyone can become disabled at any moment so it's really good to think about short term disability and long term disability I've got a friend of mine she's she's chronically sick and she's been that way ever since she was 27 and so it's just sad for me to watch that because you know she could have probably had a much easier time if they had known about getting disability insurance when they were in their 20s I said that's just something that I would just just plead everyone to look at just because the statistics are real 25 percent of us will be in some you know place where we're not able to work and so it's really important that we are covered not just in our car insurance but also disability insurance and of course health insurance another factor in that is to make sure that you have income that you can live off of two to three months you know set aside in an account on a amount of money that if something happens that you can go to that money to be able to offset what might happen you know you never know it was what comes across our path sometimes and having two to three months of operating income is a wise thing to do and that's separate from your long-term insurance not insurance but long-term retirement savings this is a short-term money that should there be an emergency in other words it's your emergency fund right so if you can't put that much aside yet just start putting a little bit toward that account and set it up as a separate account as a money market or something like that and just put money in there until you get to at least three months of operating income and if you have that money saved up maybe you won't need the short term disability insurance but yes that is that is definitely something that that would be good for everyone to consider mistake number nine not paying bills on time well you know we live in a credit-based society and I know that there's some financial experts out there that you know don't use the credit cards and don't want to rely on credit but you know credit becomes a lot easier if you're looking at buying a car or you need to buy a house and so paying bills on time is definitely a part of that and so when you're looking at a credit score thirty five percent of credit history is based on our thirty five percent of the credit score is based on your history and then thirty thirty percent is the amount owed so that's over 60% of the total credit score and so when you're paying bills on time especially credit cards your credit score is going to go up and you want to make sure that your debt to credit ratio percentage is below 30% overall which means that the amount that you owe is thirty percent is thirty percent of the overall credit that you have if that makes sense because that also has a big impact on your credit score yeah now a lot of times we get these promos for apps that will give us their credit your credit score do you recommend people getting that how important is it for this them to stay in touch with their credit score yes that's a really good idea and when you know the whole Equifax breach happened a lot of people are very concerned about their credit and rightly so so one of the great ways to keep track of that is Credit Karma it's over the K and so you can go on that site and you can monitor your credit and if there's any changes to your credit say if somebody opens an account in your name Credit Karma is going to alert you of that and so you'll be able to catch it in time a lot a lot of things that people or times what people do is they'll actually freeze their credit and if they're concerned about you know stealing their credit history or whatever or opening accountant accounts in their name they can actually freeze their credit you know if you don't have anything that you need to apply for you know you have a house it's pretty much set you're not making any big changes that's another great way to keep criminals from accessing your credit would be to do a credit freeze good mistake number 10 getting into debt this is probably my top mistake and the book you know all money choices this is all about our journey of getting out of debt and making better financial choices you know but that can cost us so much overtime um you know in Proverbs I know you've said this many times says borrower is slave to the lender proverbs 22:7 and so we want to be careful that money is our slave and we're not a slave to money but the cost of financing can be pretty high we think about mortgages they're generally considered good debt because you're actually you know going to get your house but you're still paying a whole lot in interest for example a one hundred and fifty thousand dollar mortgage is going to cost almost five thousand dollars in interest in the first year and so you know when you think about that compared to um you know the tax write-off you're getting most people don't even Ida Mize so it's kind of a wash so you know when people are touting like home ownership you just want to be aware of what you're actually spending an interest because that can really add up over time I remember you know one of my biggest mistakes was you know buying a house with an interest-only loan I don't know what I was thinking but I thought the market would go up and up and it didn't crash just almost as soon as I bought that house and so when I look back at how much money I was paying an interest it is absurd and how much I could have directed that money in other places like you know saving for retirement or business or whatever and so um that's one thing that you know work generally accustomed to as a society is getting into debt but we you know in order to save more money and you know have more financial stability in our lives we really need to think about and think hard when we are faced with getting into that because that can cost so much in the long run you know over the years I've had people talk about the whether you should pay off your mortgage if you have the ability to pay it off and I have always said yes absolutely you want to do that and some would kind of you know argue that point to say that well why would I want to do that you know I've got my money over here collecting interest and I get an interest deduction on my mortgage and the answer to that is you're presuming upon the future for the first thing now you don't know that you'll be able to pay that in the future when you have the ability now and that's exactly what happened to me back in the 90s when I had that Bernie Madoff situation I could have paid my mortgage off at that time but I didn't based on that logic so then after that happened it was tough for me to make that mortgage for season and so they also that the premise that you're having a tax deduction look you're paying a whole lot more interest than the benefit you're getting from a tax deduction then if you had paid off that completely so there is no better feeling than living in a house that you know is paid for and nobody can take it from you you never know what's coming down the pike and so you know that presumption upon the future is not faith it's presumption so if you have the ability to pay it off paid off if you have the ability to pay an extra hundred a month do that anything you can do to reduce the amount of interest you're paying and to get that house under your belt and not the banks bill right exactly all right so we've been talking about all money choices securing financial freedom one step at a time you can get it on our bookstore at tji at bookstore calm you can also get it on Kara's website at Alton money choices calm and you know some of the practical things you're going to learn in this book are how small choices can really add up and why changing your money habits have a big impact over time and you're going to read about Karis is strategy for paying off twenty seven thousand dollars of debt in 11 months she took small choices that added up over time and how to make saving funny money fun and the science of making better choices money mentalities have separate the rich from everyone else and simple steps you can take I encourage you to get this book so you know Kerris has been on this journey with me for many years and after all these years we've been equipping leaders and we've been thinking about how we can help those that we've been serving for these years go deeper and help them with specific things that they tell us they had help need help with and so we've been listening to some of our listeners and I would encourage you that if you'd like to know about these coming things that we're about to do that we're going to announce very shortly within a month or two about a new program you can get on the waiting list for that it become God's change agent com that's become God's change agent calm and if you get on the waiting list you'll be the first one to be notified you'll get a discount on this new program that we're going to be doing plus you will get a download that's free of my top ten biblical truths for succeeding in life and work and so if that's of interest you just go to become God's change agent comm will cost you anything just to be on the waiting list and that'll be a free download now let me remind you that if you're listening on iTunes we want you to rate our podcast that allows us to encourage others to come to our and subscribe to our podcasts and download the podcast audio and if you're watching us on YouTube we want you to subscribe to our Channel and share your comments at the bottom of the presentation on YouTube and that will allow us also to have more people watching our programs and so let's curious when we come back on the video just for a moment as we say goodbye to our friends and let's see if I can do that there we are there we are both so again the book is all money choices and it's a great read it's not a very big book it's only 118 pages so you you know I like those kind of small books you can read almost in one session but you won't do that in this cuz you need to really study what to do and take the advice that she has there well Kara says we close out today any final words for those that that are out there well I think one of the things that just became such a big theme of the book is you know just realizing how much God gave us choice and how it's one of the gifts that he gave us you know in the Garden of Eden he gave Adam and Eve a choice and so you know one of the most impactful things that I want people to get from the book is just to realize you know you might be in a certain situation or you might be facing a big challenge right now but you know there are choices that that you have that you may not even have thought of yet and you know God has given us creativity as well and so you know even though we might feel like we're in a tough spot um you know he can give us ideas and solutions to those things that we're facing and so um you know he just gave us such a big gift when it came to her choice and so I just want to encourage people with that yeah and that's a good word I think that whenever we are intentional about something like this God sees that it's a it's a step of faith and sometimes when you put your first foot forward towards something God multiplies it and it's amazing how many things can change you know in my own situation although I'd lost a half million dollars at the end of seven years God restored all of it back and I had no idea that was going to happen but I was just seeking God and asking him to help me walk through that season and I paid off all the debts I owed as a result of that crisis and that's important so be faithful in the little things and the big things and God will honor that faith so what cares thanks so much and everybody joining us today god bless you and we'll see you next week

=== PREVIEW OF FIRST PART OF A NEW SONG === No mixing or mastering done yet Amin 102 Bpm This sound like something that could be played in a movie sound track to me. Played on my Ableton Push 2. Lead: Found this great flute instrument in Roland SRX Orchestra. Bass: Made it in Analog synth (Ableton Live) Chords: Intrepid Rhodes preset in Electric synth (Ableton Live)

Antonia Malchik, author of A Walking Life. Topic: Reclaiming our health and our freedom, one step at a time. Issues: Why we’ve stopped walking; the ways walking affects how we think, how we grow, how we socialize, how we move; the ways our brains and bodies rely on the simple act of walking. The post Reclaiming Our Health and Freedom, One Step at a Time appeared first on Mr. Dad.

Gordon Glenister, Global Head of Influencer Marketing at the BCMA, presents the latest edition on the podcast that shines a spotlight on the global Influencer industry.In this edition he meets former Big Brother finalist turned Influencer, Akeem Griffiths, and examines the pressures on mental health that being in the public eye can bring.There’s news from the recent Digital Marketing World Forum, and a look at upcoming industry events.Plus, three top tips for a successful Influencer campaign from an industry expert.Produced by Neil Whiteside at Freedom:ONE.Support the show (http://www.thebcma.info/membership/)

We have come to the end of Season 1 with Episode 14. For both of us it’s been one of the most engaging growth experiences either of us have ever experienced. Our intention was to bring thoughtful and soul-stirring content to help others along their journey. It has also been a catalyst for us which has led to a deeper understanding of each of our lives and our place in the world. That is to say, awakening to who we are and why we are here. In this final episode we summarize and reframe our process for you to discover your soulful, higher-self, leading to an inspired big and true vision through the art of asking the key questions of yourself. May this listening continue to bring it all together for you. With appreciation to have shared… and to your inspired life! What We Discuss: Are you living intentionally? Are you discovering your inspiration? Are you listening to your inner being? Are you seeing a big and true, authentic vision for yourself? Are you using the Wheel of Life to begin an assessment of your life’s score? Are you using the Three Questions and Heart’s Core Grid to discover more about yourself? Are you able to take the right action forward towards your vision? Are you reallocating how you are spending your time? Are managing your energy more closely? Are you aware of and leveraging your unique abilities? Are you managing your resources and money effectively? Are you in the relationships that fully support you and your vision? Are you accessing the wisdom of others in support of your inspired life? Supporting Resources: The Power of Intention by Dr. Wayne Dyer Lighting the Torch by George Kinder Listening to Your Inner Voice by Douglas Boch Life Visioning by Michael Bernard Beckwith Wheel of Life by Money Quotient Three Questions and Heart’s Core Grid by Life Planning for You from Kinder Institute The Obstacle Is the Way by Ryan Holiday Make Time: How to Focus on What Matters Every Day by Jake Knapp and John Zeratsky Manage Your Energy by Chuck Marunde, J.D. Unique Ability 2.0 Discovery by Catherine Nomura, Julia Waller and Shannon Waller Seven Stage of Money Maturity by George Kinder Tribal Leadership by Dave Logan

Michael is author of the book “One Rental At A Time”, where he shares how getting just 4 rental properties can change your life. He's also the host of the YouTube Channel “One Rental At A Time”, where he produces daily videos and interviews giving his audience valuable information about financial freedom through real estate investments. He'll be sharing his story on how he got into multifamily investments in Fresno and how he was able to earn back 20 years of his life by investing in out of the area properties. One Rental at a Time Youtube Channel Show notes on EverythingREI.com

Journey To Financial Freedom One Rental At A Time Your host, Jim Ingersoll, talks with guest Michael Zuber about using rental properties to reach financial freedom (and retire early)! We all dream about retiring early and having control of our future. Learn how to reach your goals! Learn more and connect with Michael at onerentalatatime.com     Ready to let your dream of financial freedom become a reality? Join Jim Ingersoll at the 7th Annual Investor Training Summit, January 24 - 26, 2019: www.investortrainingsummit.com         For more Real Estate Success Podcasts, visit investingnownetwork.com

CW // Violence/murder Refugee Week is Australia's peak annual activity to raise awareness about the issues affecting refugees, and celebrate the positive contributions made by refugees to Australian society. In this episode, I interview special guest, Zaki, to discuss what it's like to flee hardship and live life as a refugee. Zaki is a refugee from Afghanistan. After his father disappeared the Taliban then targeted Zaki to be killed. In 2013, only 17 years old, he escaped from Afghanistan and came to Australia by boat. He has spent the past few years on a bridging visa, studying English and being an inspirational activist for refugee rights, helping others who have had to endure the horrifying burden of seeking asylum. In this interview, he opens up about his heart-rending journey of loss and faith, with the hope to help raise awareness of the plight of refugees around the world. You'll need your tissues for this moving story of courage and sacrifice. Thank you Zaki, you're a true inspiration. To support refugees in Australia please visit the below links: https://www.racs.org.au/ https://www.facebook.com/TheWelcomeGroup/

Keys to Freedom One Year Anniversary with Nancy Alcorn Join MercyTalk hosts, Jen and Melanie, as they celebrate the one year anniversary of the release of Keys to Freedom with a SPECIAL guest - Founder and President, Nancy Alcorn! Nancy joins us in studio today as we celebrate! Join the three of us as we: [...] The post Keys to Freedom One Year Anniversary with Nancy Alcorn appeared first on Mercy Multiplied.

Summary: You hear people say constantly, “All roads lead to God.” However, the bible exposes this as a tragic error that is leading millions to an damnation eternity in hell. By contrast, numerous Scriptures plainly declare that the one and only way is Jesus Christ.

Chad Carson, AKA Coach Carson, on the show this week to talk about something I have been obsessed with lately - Real Estate Investing (for beginners). Coach Carson has been investing in real estate for the past 15 years and he has seen both the good times and the bad. I asked him to share some of his best real estate investing techniques and how he got started with his first property.   On the show we discuss: Driving for dollars (real estate terms) Getting that first rental (the hardest one) What Coach looks for when he visits a potential property His buy box - when is it a buy vs a do-no-buy Planning for the long term with capital expenses The result - what life looks like when you do it right   All the show notes, links, and anything Coach and I mentioned can be found at https://www.moneypeach.com/session73 

Pee Dee Community Fellowship

Pee Dee Community Fellowship

All entrepreneurs and small business owners have had to make sacrifices that made them realize a harsh truth: freedom is not so free.  Whether it be your time, location, or financial ties, many people struggle with the freedom to choose.     If you want to create the life you’ve always dreamed of, you’re going to have to start making decisions differently.  Your perfect life is waiting for you as soon as you make the decision to stop following the herd.  constructed from small actions taken every day that play into your future.     Decide right now that you are going to dedicate yourself to small, daily actions that are going to put you in a place to create the freedom you so rightfully deserve.  You are going to construct the masterpiece of your life.  You can create freedom in your life, because your goals are never to big to be achieved.   In this episode you will learn…-How to stop running in circles in your life and business - instead, learn to create freedom in time, location, and money -Why your everyday tactics are holding you back, and how to switch to smart strategies that will propel you to your goals-Why investing in yourself every single day will help you uncap your income and live a life of abundance and happiness   Mentioned in this episode…  UNSTOPPABLE: 9 Principles for Unlimited Success in Busines and in Life - available for sale on my website in physical copy, Kindle version, and audiobook version: www.kellyroachcoaching.com/book   I’ve partnered with Audible to bring UNSTOPPABLE to you absolutely FREE- head to kellyroachcoaching.com/unstoppable, sign up for a free trial of Audible, and you’ll receive the audiobook version at no cost to you! (you may cancel your Audible trial at any time within 30 days and will never be charged)   Improve Your Health, Grow Your Wealth Ep: 95: http://directory.libsyn.com/episode/index/id/4479092   Connect with Kelly: www.kellyroachcoaching.com www.facebook.com/kellyroachinternational www.twitter.com/kellyroachint A HUGE thank you for listening to Unstoppable Success Radio!   I would be so grateful if you left me a rating and review!     My mission and goal is to serve you, my listeners, so please submit your questions for an upcoming #ask Kelly episode by emailing coaching@kellyroachcoaching.com or @kellyroachint or calling 610 910 3600 to submit your questions!       Here's how I can help you achieve your goals:     -How to build, scale and automate growth in your business:kellyroachcoaching.com/yes     -Take your hobby, side hustle or new business quickly to the 100k mark: kellyroachcoaching.com/100k     -Turbo charge your productivity, break through overwhelm and the impact the profit in your business in 30 day or less kellyroachcoaching.com/higher-profits/     -Inquire about Private consulting and coaching by completing the application at: http://kellyroachcoaching.com/apply-now/     Get insider tips and resources only available to my private email community by texting IGNITE to 44222 or visiting kellyroachcoaching.com and selecting any of the exciting resources or trainings available for immediate download.     Have you gotten your copy of UNSTOPPABLE: 9 Principles for Unlimited Success in Business and in Life at Amazon here NOW!

Raise your hand if you’re big on making lists! I am raising both hands right now. And I’ve got one foot in the air. I’ve been creating lists since I was probably in middle school... writing is cathartic for me and when I can put all my to-do’s in hierarchical order it makes me feel like I can really focus and prioritize. It’s a way to stay organized…and I know for a fact that lists help me be more productive and results-driven. So, if you agree with me that creating and executing to-do’s off of a list are a key to productivity, you will appreciate our guest today. Her name is Paula Rizzo. By day she is an an Emmy award winning TV producer in New York City and by day and night and the middle of the high she works on another one of her passions as the founder of the productivity site ListProducer.com.  She has a new book out which we’re going to talk about called Listful Thinking: Using Lists to be More Productive, Highly Successful and Less Stressed. In our time with Paula we discover: -- How using lists can help you lead your best life -- The idea of a permission list when it comes to budgeting and how it can help. -- Paula’s biggest habit – besides list making - that keeps her finances in check.

On day 4 of detailing Freedom One we were all a bit tired, but rallied to answer detaiing quetsions from around the world (literally). This is a great episode that touches on multiple topics for pro's and weekend warriors. Enjoy!

We discuss the plane restoration steps performed on Freedom One. This is the plane that was used to bring back the hostages in 1981 from Iran. Featuring Joe Fernandez, Jason Rose, and Kevin Brown. Enjoy!