Podcasts about frugal

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How do you balance enjoying the pleasures of life while meeting your financial goals? Senior Financial Literacy Coaches Shanice Taylor and Richard Pinder discuss how they manage and share tips on how you can too in this latest episode.

What happens when we tell clients not to choose a pet sitter based solely on price, but then make every business decision based on cost ourselves? In this episode, we explore the disconnect between the advice we give clients and the choices we make as business owners. We discuss the hidden costs of free software, delayed hiring, skipped education, and avoiding professional help. We share the investments that transformed our own business, from software and certifications to coaching and conferences. We also examine the difference between being frugal and being cheap, and why strategic investments often create the biggest returns. Main topics: Hidden costs of cheap decisions Software and systems investments Outsourcing and hiring support Education coaching and growth Frugal versus cheap mindset Main takeaway: "If you truly believe that your clients get what they pay for, then you have to accept that your business gets what you pay for too." We're quick to explain why professional care costs more than the cheapest option. We talk about training, insurance, reliability, backup plans, and professionalism. But are we holding ourselves to that same standard? Too often we delay hiring help, avoid upgrading software, skip education, or put off investments that could make our businesses stronger because we're focused only on the price tag. The real question isn't "How much does it cost?" It's "What is it costing me not to do it?" Sometimes the most expensive decision is refusing to invest in the tools, systems, and expertise that could move your business forward. Links: Check out our Starter Packs See all of our discounts!

For people like Misty, technology isn't a luxury—it shapes how they think, what they trust, and what kind of future they believe they're living in. That confidence begins to crack when a personal encounter exposes something deeper. The machines that hold this community together depend on materials depending on supply chains that no longer exist. The advanced medicine, the sensors, the processors, the automation—everything that made this society feel post-scarcity suddenly looks fragile. No invading army is coming. No single disaster is exploding at the gates. Instead, the threat is slower and more unnerving: decline.TechLutin Two: A domestic helper robot that quietly handles routine household tasks like watering plants.AR OS: An augmented-reality operating system navigated by blinking and eye movements that overlays information directly into the user's vision.Noise filtering: A hearing-control system that can selectively suppress environmental sound.Health watch: A live biometric monitoring interface that displays the body's internal condition in real time.Canal link: An ear-worn or implanted personal computing interface that gathers sensor data and manages communications.VR dots: Wearable sensor nodes originally made for virtual reality that now collect detailed physiological measurements.Nutrient dashboard: A system that continuously adjusts food composition to match the body's current needs.Preventive medical AI: An always-running health service that detects problems early and alters behavior, diet, or treatment before symptoms appear.Averted Illness chart: A predictive health analytics tool that estimates diseases a person likely avoided.Assist: A voice-driven personal AI that handles messages, searches, calls, and scheduling.Encrypted guardian system: A networked public safety infrastructure that makes constant passive protection part of daily life.Frugal points system: A behavioral incentive platform that rewards people for reducing waste.Personality clone: A digital copy of someone's personality that can keep learning, speaking, and creating content autonomously.Mag-lev train: A magnetically levitated transit system that moves people rapidly through enclosed tube lines.Construction robots: Automated machines that perform building and infrastructure work.Bioluminescent memory spheres: Hanging display objects that replay fragments of archived visual media.Open Floor: A civic communication system that lets people bring issues directly to public counsel.AR holo-map: A three-dimensional projected map used for planning and technical discussion.Pen microscope: A pocket-sized optical analysis tool for close material inspection.Submersible drone: A remotely operated underwater scout used for exploring flooded transit routes.AI server clusters: Repurposed computing systems powerful enough to model large scientific and industrial problems.Butler AI: A highly capable artificial intelligence cited as solving major social and logistical challenges.Machine evolver simulations: Competitive computational models that repeatedly test and refine new machine designs.High-density processors: Advanced compact computing hardware used for large-scale simulation work.Silicon scaffold protein servers: Powerful older-generation computing systems built around extremely dense processing architecture.Material simulation libraries: Vast databases of molecular candidates used to predict useful new substances before making them.Fab-All: A massive integrated manufacturing system that turns ordinary garbage, water, and power into almost any needed product.Medicine printer: A precision fabrication machine that assembles complex chemical products from purified feedstocks.Molecule printers: Highly specialized printers that arrange matter at the molecular level.Ionic bath breakdown system: A low-temperature chemical process that dissolves mixed waste into reusable elemental feedstocks.Electrochemical gradient separators: A staged chemical sorting process that isolates different elements from dissolved waste.Chelating extraction agents: Specialized molecules that bind to targeted elements so they can be separated.Spectroscopic sensors: Optical analyzers that identify material composition inside processing lines.Gold Gel: A separated elemental feedstock stored for later precision manufacturing.Silica Goo: A silicon-rich separated feedstock used in fabrication processes.Swarm robotic print arms: Multi-axis robotic fabricators that can approach a print job from all directions at once.Nanowire suspension system: Fine conductive supports that hold a structure in place without a base plate.Reactive scaffold printing: A fabrication stage where a printed structure also acts as the template for later chemistry.Catalytic nano-points: Tiny embedded reaction sites that trigger specific chemical transformations.Static electron pockets: Built-in charge zones that guide how later molecular assembly unfolds.Reaction printing phase: A manufacturing stage where custom molecular recipes spread through the scaffold and build new material from within.Polarized semifluids: Responsive liquid materials that migrate and organize under controlled fields.Magnetic field crystal alignment: A process that directs how crystals form inside a growing structure.Nano-lattice formation: Self-assembling microscopic frameworks that create strong or specialized materials.Programmable protein folding: Engineered molecular behavior where newly formed proteins fold into useful structures.Analog logic pathways: Nontraditional computing structures formed through self-assembled semiconductor patterns.Nano-weave composite tech: The colony's name for a fabrication method that grows advanced composite materials from guided chemical reactions.Surface-conditioning pass: A finishing process that adds optical or functional surface properties at the nanoscale.Thread printers: Specialized fabrication units that produce fibers and textile stock.Flat-bed sheet printers: Large-format printers used to make sheets of glass, boards, and similar materials.Assembly chambers: Dedicated fabrication spaces where separately printed components are combined into finished products.Smart particles: Tiny responsive materials used in soft goods like pillows.Pressure-sensitive conductive threads: Fabric fibers that can detect strain or improper tension.Optical fiber tablet surfaces: Durable display surfaces built with light-guiding material.Wearable health monitor circuit boards: Flexible electronics that can fold into body-worn medical devices.Pho-superconductor nanotube yarns: Advanced conductive winding material used in high-performance electric motors.Inverse greenhouse clothes: Garments designed to keep people comfortable in hotter enclosed environments.Wall screens: Large display surfaces built into living spaces.Streamer cams: Compact cameras used for recording and broadcasting.Whisper drones: Small quiet drones likely used for observation or personal tasks.Projectors: Devices that cast visual information onto surfaces.Laser shavers: Grooming tools that use focused light-based cutting.E-fabrics: Electronic textiles with built-in functional circuitry.BritLights: Named lighting devices used for illumination.Protein memory: A storage technology referenced as a desirable consumer product.Micro devices: Extremely small electronic or mechanical devices for general use.Smell sensors: Devices that detect and analyze airborne chemical signatures.Blood-line power generators: Small-scale power systems referenced as part of past consumer technology.Taze-wear: Wearable gear with defensive or electrical functionality.Invisa-veils: Concealment wear or optical masking apparel.Robot pets: Companion machines built to mimic animals.Autono-bikes: Self-operating or highly assisted bicycles.Laser toys: Play devices using light-based projection or interaction.MRI caps: Wearable medical scanning equipment.Plasma welders: Tools that join material using high-energy plasma.Gut bots: Internal medical robots meant to operate inside the digestive system.Milk cloners: Devices that reproduce milk or milk-like substances.Second faces: Alternate wearable or projected facial identities.Insta-water purifiers: Portable systems that rapidly clean water.CPAP machines: Breathing-assist devices for sleep or respiratory care.Nebulizers: Medical devices that turn liquid medicine into inhalable mist.VR shades: Head-mounted visual immersion devices.3D printers: Conventional additive manufacturing machines still valued for general fabrication.Smart pens: Writing tools with embedded digital functionality.Interactive sleeve: A wearable display and control interface built into clothing.Funzoid screens: Visual entertainment displays that create abstract patterns designed to affect mood and perception.Wind arena: A recreational chamber that uses controlled storm-force airflow as a sport environment.Robot rescue arms: Automated safety systems that pull players out of dangerous airflow zones.Digital design feed: A constantly updating network where people share newly created product designs.E-ink books: Electronic books with low-power readable display pages.Unpowered keyboard: A manual input device used as a familiar way to think and compose even without active electronics.Many of the characters in this project appear in future episodes. Using storytelling to place you in a time period, this series takes you, year by year, into the future. From 2040 to 2195. If you like emerging tech, eco-tech, futurism, perma-culture, apocalyptic survival scenarios, and disruptive science, sit back and enjoy short stories that showcase my research into how the future may play out. The companion site is https://in20xx.com These are works of fiction. Characters and groups are made-up and influenced by current events but not reporting facts about people or groups in the real world. This project is speculative fiction. These episodes are not about revealing what will be, but they are to excited the listener's wonder about what may come to pass. Copyright © Cy Porter 2026. All rights reserved.

"Opportunity cost" analysis could make you think that every dollar you spend is ruining your future retirement finances. We address this way of thinking in today's "Ask Me Anything" episode.  Looking for a financial planner?  → PlanWithJesse.com Jesse explores three listener questions spanning core retirement planning tradeoffs. First, he unpacks the concept of opportunity cost, arguing that while it's mathematically valid to project small spending decisions (like vacations or food choices) into large future dollar amounts using compound growth, doing so at an aggressive portfolio return can become misleading and behaviorally counterproductive. He emphasizes the importance of distinguishing frugality from harmful "cheapness" and highlights that many expenses also deliver real utility, not just cost. Second, he evaluates Treasury Inflation-Protected Securities (TIPS), explaining how they work, how they differ from I Bonds, and why they are useful for inflation hedging but not a complete substitute for equities or traditional bonds due to lower expected returns and interest rate risk. Third, he examines portfolio construction across multiple accounts, contrasting simple mirrored allocations with more tax-efficient asset location strategies. While optimized asset location can improve outcomes, he concludes the benefit is relatively modest compared to higher-impact financial decisions, reinforcing a prioritization framework for retirement planning decisions. Key Takeaways: • Opportunity cost is mathematically valid but often misused in personal finance discussions. • Frugality and being "cheap" are not the same—cutting essential spending can reduce quality of life disproportionately. • Applying opportunity cost logic universally leads to absurd conclusions (e.g., coffee, schooling, healthcare). • TIPS returns are typically lower than nominal Treasuries due to inflation protection. • A blended approach (TIPS + Treasuries) can balance inflation protection and flexibility. • Financial planning should prioritize high-impact decisions before optimizing tax placement.  Key Timestamps: (01:03) – Question 1: Opportunity Cost: Being Cheap vs. Frugal (06:47) – Does It Make Sense Mathematically? (09:32) – Shockingly Not-So-Simple Social Security (13:27) – Isn't the Trip Worth the Money? (18:23) – Question 2: Are TIPS Worth It? (21:24) – TIPS vs. I-Bonds (22:09) – Inflation Risk (27:29) – Question 3: Asset Allocation vs. Location (31:45) – Why Not Add One More Lever? (34:59) – Practical Example (39:31) – Is the Juice Worth the Squeeze? Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.mrmoneymustache.com/2026/04/16/the-shockingly-simple-math-behind-social-security/   https://bestinterest.blog/when-the-shockingly-simple-math-is-shockingly-wrong/   https://bestinterest.blog/the-long-term-investors-order-of-operations/   https://bestinterest.blog/e121/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog    Need a financial planner?  → PlanWithJesse.com   The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

What if the secret to enjoying life more actually costs you less? Today we have on Annie Raser-Rowland, co-author of The Art of Frugal Hedonism, to talk about her book that simply put, changed my life perspective on spending money, and what it takes to feel pleasure. We chat about how we've been psychologically conditioned to associate buying things with value , why experiences beat purchases every single time, and how the novelty-seeking itch we're always trying to scratch can be satisfied for free. And in the spirit of the episode, Patreon is half off this week - $2.50 at patreon.com/fluentlyforward! This year, hit your goals without giving up your favorite bready dishes. Hero Bread is offering 10% off your order. Go to ⁠⁠⁠⁠hero.co⁠⁠⁠⁠ and use code FLUENTLY at checkout. Ready to reach your goals? Visit forhers.com/fluently to get personalized, affordable care that gets you. New Cash App customers can earn $10 if they use code CASHAPP10 in their profile at signup and send $5 to a friend within 14 days. Terms apply. Your emotional wellbeing matters. Find support and feel lighter in therapy. Sign up and get 10% off at ⁠⁠BetterHelp.com/fluently⁠⁠  

After trying to use a gift card to it's limit, Frankie had a manager of a restaurant stressed. Did he get every penny out of his gift card?See omnystudio.com/listener for privacy information.

After trying to use a gift card to it's limit, Frankie had a manager of a restaurant stressed. Did he get every penny out of his gift card?See omnystudio.com/listener for privacy information.

Brett Husslein and Burt Flickinger examine how value-seeking behavior has spread across every income level, driving even high earners toward discount retailers like Dollar General (DG) and Dollar Tree (DLTR) while big-box leaders Walmart (WMT), Target (TGT), and Costco (COST) brace for tariff and fuel headwinds. Flickinger paints a sobering picture of American households stretched to the limit — cutting dining out, leaning on debt, and squeezing every dollar of their grocery budgets.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

I'm chatting with Christine from Frugal Fit Mom all about feeding your family well on a budget—without stressing over perfection. Christine shares her tried-and-true strategies for keeping grocery costs low in today's economy, including how she stocks her pantry, finds the best meat deals, and plans meals based on what's already on hand. We also dive into the hidden costs of organic and local food, why she skips most grocery delivery services, and how you can still enjoy fun foods without blowing the budget. Whether you're shopping for two or ten, this episode is full of real-life tips you can start using today. In this episode, we cover: Why Christine avoids Instacart and prefers Walmart Pickup for cost savings The key pantry staples she stocks up on—and how that helps reduce impulse grocery runs Her method for spotting true stock-up prices on meat and stretching it to feed a large family How she feeds a family of five (including three teen boys) on as little as $200/month A realistic starting point for grocery budgeting: $150 per person per month Why she generally skips organic (aside from milk) and how local sourcing can dramatically increase grocery costs How reverse meal planning works and why it saves more than traditional recipe-first planning Tips for making frugal meals taste amazing with salt, fat, and acid Christine's go-to bread recipe (not sourdough!) and how she keeps it soft for days Her rule for buying fun foods like chips and ice cream—only when they're 50% off How shopping less frequently helps avoid overspending (even for perishables) ⁠View full show notes on the blog⁠ + ⁠watch this episode on YouTube⁠. RESOURCES ⁠Check out Christine's banana bread recipe⁠ Join my ⁠FREE masterclass⁠ to learn my 4-step framework for making money on YouTube Master the rhythm of sourdough with confidence in my ⁠Simple Sourdough course⁠ Gain the sewing knowledge and skills every homemaker needs in my ⁠Simple Sewing series⁠ Turn your content creation dreams into a profitable business with my ⁠YouTube Success Academy⁠ Keep all my favorite sourdough recipes at your fingertips in my ⁠Daily Sourdough cookbook⁠ CONNECT Christine Ashby of Frugal Fit Mom | ⁠Website⁠ | ⁠YouTube⁠ | ⁠Instagram⁠ | ⁠Facebook⁠ Lisa Bass of Farmhouse on Boone | ⁠Blog⁠ | ⁠YouTube⁠ | ⁠Instagram⁠ | ⁠TikTok⁠ | ⁠Facebook⁠ | ⁠Pinterest⁠ Do you have a question you'd like me to answer on the podcast?  A guest you'd like me to interview?  Submit your questions and ideas here: ⁠bit.ly/SFLquestions⁠.

I'm chatting with Christine from Frugal Fit Mom all about feeding your family well on a budget—without stressing over perfection. Christine shares her tried-and-true strategies for keeping grocery costs low in today's economy, including how she stocks her pantry, finds the best meat deals, and plans meals based on what's already on hand. We also dive into the hidden costs of organic and local food, why she skips most grocery delivery services, and how you can still enjoy fun foods without blowing the budget. Whether you're shopping for two or ten, this episode is full of real-life tips you can start using today. In this episode, we cover: Why Christine avoids Instacart and prefers Walmart Pickup for cost savings The key pantry staples she stocks up on—and how that helps reduce impulse grocery runs Her method for spotting true stock-up prices on meat and stretching it to feed a large family How she feeds a family of five (including three teen boys) on as little as $200/month A realistic starting point for grocery budgeting: $150 per person per month Why she generally skips organic (aside from milk) and how local sourcing can dramatically increase grocery costs How reverse meal planning works and why it saves more than traditional recipe-first planning Tips for making frugal meals taste amazing with salt, fat, and acid Christine's go-to bread recipe (not sourdough!) and how she keeps it soft for days Her rule for buying fun foods like chips and ice cream—only when they're 50% off How shopping less frequently helps avoid overspending (even for perishables) ⁠View full show notes on the blog⁠ + ⁠watch this episode on YouTube⁠. RESOURCES ⁠Check out Christine's banana bread recipe⁠ Join my ⁠FREE masterclass⁠ to learn my 4-step framework for making money on YouTube Master the rhythm of sourdough with confidence in my ⁠Simple Sourdough course⁠ Gain the sewing knowledge and skills every homemaker needs in my ⁠Simple Sewing series⁠ Turn your content creation dreams into a profitable business with my ⁠YouTube Success Academy⁠ Keep all my favorite sourdough recipes at your fingertips in my ⁠Daily Sourdough cookbook⁠ CONNECT Christine Ashby of Frugal Fit Mom | ⁠Website⁠ | ⁠YouTube⁠ | ⁠Instagram⁠ | ⁠Facebook⁠ Lisa Bass of Farmhouse on Boone | ⁠Blog⁠ | ⁠YouTube⁠ | ⁠Instagram⁠ | ⁠TikTok⁠ | ⁠Facebook⁠ | ⁠Pinterest⁠ Do you have a question you'd like me to answer on the podcast?  A guest you'd like me to interview?  Submit your questions and ideas here: ⁠bit.ly/SFLquestions⁠.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Bufords return to PBN!! Become a supporter of this podcast: https://www.spreaker.com/podcast/prepper-broadcasting-network--3295097/support.Support PBN and become a MEMBER of the PBN FAMILY! Free courses, Members only videos, reviews, and podcast! The Prepper's Medical Handbook Build Your Medical Cache – Welcome PBN FamilyJoin the Prepper Broadcasting Network for expert insights on #Survival, #Prepping, #SelfReliance, #OffGridLiving, #Homesteading, #Homestead building, #SelfSufficiency, #Permaculture, #OffGrid solutions, and #SHTF preparedness. With diverse hosts and shows, get practical tips to thrive independently – subscribe now!Newsletter – Welcome PBN FamilyGet Your Free Copy of 50 MUST READ BOOKS TO SURVIVE DOOMSDAYSupport PBN with a Donation 

Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conversations focus on one question: Will I have enough? But there's another retirement challenge that doesn't get talked about nearly enough: What happens when you've done everything right? Joe Schmitz Jr. has been working with a very specific group of retirees he calls the 2% Club. His definition: People who have both: A pension And $1 million or more saved for retirement That combination creates opportunities. But it also creates a different set of retirement decisions. Success Creates Different Problems For decades, these retirees did what they were told: Saved consistently Avoided lifestyle inflation Built meaningful retirement assets Earned pensions Stayed disciplined Now retirement arrives… …and suddenly the challenge isn't accumulating wealth. It's using it wisely. Joe shared one statistic that stood out: “80% of people out there will pay no federal income taxes in retirement… while this 2% club is part of that 20% that will have to pay taxes and typically much more.” That means retirement planning shifts. Less focus on accumulation. More focus on: Taxes Spending Distribution strategy Legacy Purpose Why High-Income Retirees Can Accidentally Become Under-Spenders One of the most interesting parts of this conversation was Joe's concept of the Midwestern Millionaire. His description: Hard-working.Frugal.Disciplined. Excellent savers. Often reluctant spenders. And that creates an unexpected retirement problem. People who spent 40 years training themselves to save don't automatically become comfortable spending. Even when they can afford it. Joe described clients who had millions saved but still struggled emotionally to use their money because restraint had become part of their identity. That's where retirement planning becomes less about spreadsheets and more about permission. The Four Places Your Money Can Go Joe offered a simple framework. Your money ultimately goes somewhere. You can: Spend it Gift it Give it Pay taxes on it That framework creates an important question: If you're not spending your money intentionally… where is it going? That doesn't mean everyone should spend aggressively. But it does mean retirees should think intentionally about: Lifestyle Family impact Charitable goals Taxes Because choosing not to decide is still a decision. Pension Decisions Deserve More Attention Than Most People Give Them Joe also emphasized something I see frequently: People often make pension elections based on coworkers. Someone retires.Takes a lump sum.Everyone follows. But pension elections are often irreversible. Joe's advice was simple: Run the numbers. Questions like these matter: Lump sum or monthly pension? Survivor benefits? Age differences between spouses? Existing assets? Insurance needs? The right answer isn't universal. It's personal. Don't Let Tax Fear Control Retirement For some retirees, fear of crossing an income threshold and triggering Medicare IRMAA surcharges becomes bigger than the actual cost itself. Joe's point wasn't to ignore taxes. It was to understand them. Tax planning matters. But taxes shouldn't become the only goal. Because avoiding taxes at all costs can sometimes prevent people from living the retirement they actually built. The Real Goal One story Joe shared captured this perfectly. A retired couple promised each other they'd spend intentionally during their early retirement years. Two years later… They had spent nothing. Not because they couldn't. Because they hadn't learned how. Eventually they created a spending plan and began enjoying experiences they had delayed for decades. That's the shift retirement requires. You don't stop being disciplined. You simply redirect that discipline. The Bottom Line Retirement success isn't measured by how much money you leave untouched. It's measured by whether your money helps support the life you actually wanted. Because after decades of saving… Retirement planning becomes deciding what your wealth is for. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “How Much Taxes Will Retirees Owe on Their Retirement Income?” – Center for Retirement Research at Boston College Peak Retirement Planning Joe Schmitz Jr. on YouTube: https://www.youtube.com/@peakretirementplanninginc.  Articles by Joe Schmitz Jr. on Kiplinger “Joe Knows Retirement” podcast with Joe Schmitz Jr.  Books by Joe Schmitz Jr.  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Thank you for listening today, friends: we've got Brenna Thiessen joining today from Calgary!Brenna shares her journey today from shy non-runner to run club leader hosting weekly events, shooting for a Boston, Chicago and New York qualifying time at the Calgary Marathon. She chats with us about her run journey, relocating to Calgary, stepping away from running, and the improbable way she became a run club host with her club, Fun Frugal Fridays.In today's episode, Brenna shares how her marathon goals evolved after her first race in Minneapolis, where she pushed through feeling terrible and still crossed the finish line proud. She breaks down her training approach, including navigating Calgary's unpredictable weather—from chinook warmth to snow in May—and the importance of heat and hydration strategies on race day. The importance of community is a theme that runs strong on this podcast, and today's episode doesn't disappoint. You'll hear the passion in her voice: discover the secret to making big life changes, from cross-country moves to launching a community organization, and how running has helped Brenna overcome shy tendencies and foster a sense of belonging. Whether you're just heading out for your first run, training for your first 10k or a seasoned runner, remember: it's all about taking that first step on the journey. Brenna's story is packed with practical tips on managing training while maintaining a healthy, balanced lifestyle, including diet hacks, cross-training, and the importance of asking for help. She exemplifies how embracing vulnerability and staying true to yourself unlocks opportunities beyond your wildest dreams.Connect with Brenna and join her Calgary run community on Instagram at @iambthiessen and @FunFrugalFridayRunnerWhat has running taught you about yourself?  #EvolvingAdventure #CalgaryMarathon #RunningCommunity #MarathonTraining #YYCRunCrew #BurritoLeagueTimestamps: 02:18 - Her personal best and recent race insights04:14 - Calgary marathon week festivities and community events06:33 - Insights on marathon participation rates and community size08:23 - Brenna's journey into running and overcoming health challenges11:55 - Starting and growing the Fun Frugal Friday run club13:36 - Managing weather challenges and event logistics in Calgary15:49 - Community engagement and demographic reach of her run groups17:50 - Participation during Calgary Stampede and weather considerations19:27 - Weather impact on training and race day prep21:04 - Tapering, race week activities, and marathon day plans22:37 - Cross-training, alternative activities, and recovery strategies23:37 - Nutrition, hydration, gels, and fueling for races26:35 - Transitioning into trail running and significant trail races29:45 - Challenge of trail running and race experiences like Minotaur35:19 - Embracing new opportunities and future race plans36:34 - Support systems, partnerships, and organizing community events40:40 - Skills needed to start and manage a run club43:36 - Moving from Vancouver to Calgary and lessons on making life changes46:15 - The importance of community, belonging, and personal growth48:22 - Advice to follow passions and staying true to oneself49:47 - Connecting with Brenna and her Calgary run communityResources & Links:Fun Frugal Friday Run ClubBrenna Thiessen on InstagramLululemon CalgaryPrimal Sauna & Cold PlungeRun CalgaryBurrito LeagueMinotaur RaceBMO Vancouver Half MarathonConnect with Brenna:Instagram - @iambthiessen or @funfrugalfridayrunners

Have you noticed the price of fuel lately? Unless you're living like the Unabomber, of course you have. And since most of you have a motorcycle or two in the shed, that most likely gets far better mileage than your car or truck, the time has come to save a little money and have a little fun. Just yesterday I took a 100-mile round trip to a car dealership for a new coolant reservoir. I stuffed it into my backpack like a high-schooler their homework, then wobbled off to a coffee shop to warm my numb hands. Did I mention it was 39 degrees? Our first guest this week knows all about pain. Duluth Minnesota's Andy Goldfine, despite living farther north than even foolish Canadians, rides as much as he can, as often as he can. And it's not just because he's cheap. Frugal is a kinder word. Andy knows the benefits of riding and is loathe to abandon them the eight months of the year when his homeland turns to barren, hostile, sinister tundra. Our second guest is ADVRider helmsman Zac Kurylyk who reminisces about dodging moose and deer on the way home from his turn-of-the-century gig as a newspaperman. And then Neil Graham, never to be outdone, shares his stories of riding to a horrible summer job on an XT500 long before the turn of the last century. Add this week's episode up and what do you get? The annual Ride to Work day, which happens the second Tuesday in June and which is spearheaded by Andy Goldfine himself, who, incidentally, has a designated winter commuting motorcycle. All this, on this week's Lowdown Radio Show. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode #298!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

A major branding partnership will make McDonald's Park the future home stadium of the Chicago Fire, retirement experts warn many retirees are too afraid to enjoy the money they spent decades building, and as summer heats up, experts stress the importance of learning how to swim - especially for children.

How much does it cost to live a good life? It's a question I come back to again and again. And I find that the answer changes with different seasons of my life. But what really matters is staying aware so I don't constantly chase something that was never meant for me.So, are you willing to find out? Try it for yourself. Even for a week. Strip things back and see what actually matters.

Kincaid revealed something he does with paper towels at home that left us a little grossed out. That led to a conversation about the habits we admit might be frugal… cheap… disgusting… or all three. And of course, listeners called in too.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

In this episode, Jared flies solo and discusses the difference of being cheap versus frugal, weighs in on the new EXPENSIVE WideluxX camera & more! Text us with any thoughts and questions regarding this episode at 313-710-9729. This is RAWtalk Episode 195!

On this episode of Financially Fierce, Jess dives into the world of frugal and extreme savers, unpacking the wild, the clever and the slightly unhinged money habits people use to cut costs, and what is actually worth borrowing for your own financial life (we don't recommend any for OHS reasons tbh).Buy Jess's new book 'Get Growing: A No-Nonsense Guide to Cultivating Wealth and Financial Freedom' in the link below: click here.To organise a Clarity Call chat with Jess, or to check out either The Evergreen Money Growing Club, or The Greenhouse Money Growing Program, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Jessica Brady is a money educator, former financial adviser and an authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

In hour two, Mike & Jason discuss the top baseball stories with MLB Network's Adnan Virk (1:40), plus they talk all things NBA playoffs with The Athletic's Jason Quick (28:21). This podcast is produced by Andy Cole and Greg Balloch. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.

We scraped together enough cash to pay our internet bill to bring you this week's episode of The Traffic Report, where we exalt and praise the business practices of new Trail Blazers owner Tom Dundon.Who cares about the fan base or the momentum of a playoff run when there's a bottom line to attend to, right?Then, Tyson and Justin break down the new “Jail Blazers” Netflix documentary and close with a look ahead to Oregon's upcoming spring game.

(April 21, 2026) ABC News tech reporter joins the show for ‘Tech Tuesday.’ Today, Mike talks Apple CEO Tim Cook stepping down, but not away from the company. NASA steps into mystery of missing scientists as pressure builds for answers. The rise of the frugal rich. Why 69 begins a critical window for retirement and legacy planning.See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3527: Liz of FrugalWoods shows how cutting out unnecessary spending and habits doesn't just save money, it frees up time, reduces stress, and creates space for a more intentional life. By eliminating low-value activities and simplifying daily decisions, she highlights how frugality can lead to greater confidence, deeper connections, and more meaningful use of time. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I define myself by my actions. By what I DO with my time, not by some articles of cloth that I use to keep warm and stay on this side of decency laws." "Once I let go of defining myself by my outward appearance, I was able to connect with people in a more genuine way." "The most precious resource of all is our time–it's what allows us to create a life we enjoy, build healthy bodies, experience our families, pursue our passions, and figure out the impact we want to have on our world." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3527: Liz of FrugalWoods shows how cutting out unnecessary spending and habits doesn't just save money, it frees up time, reduces stress, and creates space for a more intentional life. By eliminating low-value activities and simplifying daily decisions, she highlights how frugality can lead to greater confidence, deeper connections, and more meaningful use of time. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I define myself by my actions. By what I DO with my time, not by some articles of cloth that I use to keep warm and stay on this side of decency laws." "Once I let go of defining myself by my outward appearance, I was able to connect with people in a more genuine way." "The most precious resource of all is our time–it's what allows us to create a life we enjoy, build healthy bodies, experience our families, pursue our passions, and figure out the impact we want to have on our world." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3527: Liz of FrugalWoods shows how cutting out unnecessary spending and habits doesn't just save money, it frees up time, reduces stress, and creates space for a more intentional life. By eliminating low-value activities and simplifying daily decisions, she highlights how frugality can lead to greater confidence, deeper connections, and more meaningful use of time. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I define myself by my actions. By what I DO with my time, not by some articles of cloth that I use to keep warm and stay on this side of decency laws." "Once I let go of defining myself by my outward appearance, I was able to connect with people in a more genuine way." "The most precious resource of all is our time–it's what allows us to create a life we enjoy, build healthy bodies, experience our families, pursue our passions, and figure out the impact we want to have on our world." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3526: Liz explores how letting go of excess possessions, and the habits tied to them, creates more time, clarity, and ease in daily life. By questioning what we truly need and stepping away from unnecessary consumption, she shows how simplicity can reduce stress and increase contentment. This perspective invites you to rethink both what you own and what you do, unlocking a more intentional way of living. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I'd become a servant to my material possessions and I was owned by my stuff." "There's no joy or pleasure in militating against your present condition." "I've embraced an ethos of own less, do less, buy less, and as a result, live more." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3526: Liz explores how letting go of excess possessions, and the habits tied to them, creates more time, clarity, and ease in daily life. By questioning what we truly need and stepping away from unnecessary consumption, she shows how simplicity can reduce stress and increase contentment. This perspective invites you to rethink both what you own and what you do, unlocking a more intentional way of living. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I'd become a servant to my material possessions and I was owned by my stuff." "There's no joy or pleasure in militating against your present condition." "I've embraced an ethos of own less, do less, buy less, and as a result, live more." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3526: Liz explores how letting go of excess possessions, and the habits tied to them, creates more time, clarity, and ease in daily life. By questioning what we truly need and stepping away from unnecessary consumption, she shows how simplicity can reduce stress and increase contentment. This perspective invites you to rethink both what you own and what you do, unlocking a more intentional way of living. Read along with the original article(s) here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/ Quotes to ponder: "I'd become a servant to my material possessions and I was owned by my stuff." "There's no joy or pleasure in militating against your present condition." "I've embraced an ethos of own less, do less, buy less, and as a result, live more." Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Building Your Money Machine Show, where we get real about wealth, financial freedom, and living a life you actually want. In this episode, I get brutally honest about “The Hidden Cost Of Being Frugal No One Talks About.” If you think cutting every expense, maxing out all the accounts, or living the FIRE movement life is the ticket to happiness...think again.I pull back the curtain on what's really holding people back. It's not about bigger numbers—it's about better choices. Let's kick outdated money myths to the curb and talk about what matters: joy, presence, experiences, and making your money mean something RIGHT NOW—not just “someday.”I'll share stories, hard truths, and some contrarian advice to shake up your financial worldview. Time to build your money machine and your LIFE account—while you still have time.IN TODAY'S EPISODE, I DISCUSS:Why extreme frugality might be costing you more than you think—in relationships, joy, and life satisfaction.The dangerous traps of the FIRE movement: are you building financial independence or financial imprisonment?How money is just a tool—and why joy, presence, and rich experiences MUST be part of your financial plan.The opportunity cost of “not spending”—what are you really sacrificing for fake safety?My both/and approach: how to save for tomorrow and live for today, on purpose, with intention.Ready to rethink your money mindset and start living now? Hit play and let's dive in!RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Hey UN•THERAPIST,We need your help UN•THERAPIZING something…Is being cheap the same as being frugal?We sparked this from a conversation where it was said, "If a man is using coupons, looking for deals, or trying to save money, that's not attractive."But let's pause.

Join me in the meadow today for an episode all about the lost art of frugal homemaking! In todays episode I'm reflecting on lessons from my grandparents growing up and the care they held for their home, community, and simplicity in the days. We share a lot here about slowing down, spending less, and caring more and there is so much to learn when we reflect back on simpler times. So brew yourself your favourite cup of tea and let's cozy on up to talk all things homey!

Making smart choices with your money doesn't have to mean giving up the things you enjoy. By adopting a few practical frugal habits, you can stretch your budget further, reduce financial stress, and build a stronger foundation for long-term savings.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money  Tip Tuesday from the Making Money Personal podcast.  Saving money can be tough. It takes planning, discipline, and dedication. Still, with some careful planning, frugality, and creativity, you can make it work.  There are ways to adjust your daily choices toward more frugal options to boost your savings game.  If you try out some of these frugal habits, you may find yourself saving money faster than you thought.  1. Cook more at home, dine out less.   Cooking at home has a lot of benefits. It's usually healthier because you control the ingredients, so there are fewer additives. It also helps you spend less on food. Even though grocery costs are still high, you can ensure savings by choosing meals carefully and keeping recipes simple. Complicated meals with special ingredients can get expensive and might leave you buying things you rarely use.  Don't plan too many different meals in one week. Cooking something new every night can create leftovers that might go to waste. Plan a few nights for eating leftovers to save time and avoid wasting food.  Learn which foods can be used as substitutes. This way, you can use what you already have at home instead of making extra trips to the store.  Cook in bulk and freeze for later meals. Try making a double batch of something to freeze for later use. This works especially well for casseroles, meatballs, and even soups.    Turn saving money into a fun challenge. For example, try the Pantry Challenge: see if you can make meals using only what's already in your fridge or pantry, without going to the store.  2. Reuse and repurpose when you can   Repurposing items gives old things new life, helps the environment by reducing waste, and saves you from buying new stuff. Try finding ways to reuse items around your home. For example, use old t-shirts as cleaning rags or paper towel substitutes. Empty glass jars and shoeboxes make great storage containers; old sheets and towels can be used as drop cloths or cleaning cloths; wine corks, or cardboard are useful for homemade cork boards; paper egg cartons make great seed starters .and reusing gift bags and tissue paper can help you save, as long as they're not damaged.   There are many more ideas out there. For more inspiration, search online or check out Pinterest. Try searching for “recycled crafts,” “repurposed items,” or “upcycling ideas” to find creative ways to turn old things into something useful.  3. Check your library for free stuff.   Our local libraries provide some amazing resources. They offer a wide range of free resources, including audiobooks, learning platforms, streaming services, and more. Some also have their own programs to rent items like cameras, game consoles, and other gear, and to share programs like a seed exchange where members can take and share seeds for their vegetable or flower gardens – all for free! It's also worth noting that most libraries will offer passes to nearby attractions for a discount on admission – although it's not 100% free, it's still a savings opportunity.    4. Do more things at home.   Try having date nights at home instead of going out. There are plenty of ways to make a fun and relaxing evening at home. If you enjoy spending time with friends, host a game night, movie night, or music night. Let your imagination guide you.  5. Use coupons and rewards programs.   Don't miss out on chances to save. Check for coupons and look at your grocery store's deals flyer when making your shopping list. Sign up for rewards programs that offer cash back—you could save a lot over time. Browser extensions like Edge, Honey, and others can also help, but make sure to do your own research. We are not endorsing any specific products. 6. Buy used items when possible.   Try to buy used items first. Books, clothes, and many other things can be a good deal if they're in good condition. Check out apps like Facebook Marketplace, eBay, Poshmark, and others for gently used items. You can even find outdoor gear like bikes, kayaks, or scooters used.  These are just a few ideas to get you started. If you have a frugal habit that's helped you, share it with us on social media. Let us know how you save money every day—your tips could inspire others to save more too.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

What kind of money are we talking about? The why behind the holdings? A podcast production secret --- and so much more! Enjoy!In this third edition of Unfiltered, I talk about the one question I always start with when someone entrusts me with their capital, what multi-generational wealth really means (and why it's a mindset, not a number), the expensive truth about cheap stocks, why I came for the puzzle but stayed for the people, how AI is reshaping the advisory world — and the doorman fallacy that should make us all pause before we automate too much. I also share what I've been obsessing about lately, from Wittgenstein's family story to the art of giving, and I let you in on a little secret about what happened recently after I stopped a certain recording.Highlights:“What kind of money are we talking about?” — The most important question in investing isn't about returns or risk tolerance. It's understanding the story behind the capital — how it was accumulated, what it means emotionally, and what losing or growing it would feel like. Context shapes everything.Multi-generational wealth is a mindset, not an amount. A family with $100K who thinks about legacy and stewardship has a multi-generational fortune. A family with billions who doesn't think beyond their own lifetime does not. More families than ever are entering this mindset.“I came for the puzzle, but I stayed for the people.” The intellectual challenge of investing draw me in, but the human dimension — serving families across generations, building something cathedral-like brick by brick — is what keeps me going.The expensive truth about cheap stocks. Frugal savers are drawn to what looks cheap, but cheap stocks can create more trouble than seemingly expensive businesses with long runways. Quality is like a 30-year-old Toyota still on the road — it wasn't the cheapest, but it outlasted everything.The doorman fallacy and AI. Borrowed from Rory Sutherland's doorman analogy — replacing human roles with automation by reducing them to their most visible function misses the invisible value. Applies to advisory work, customer service, and anywhere human presence matters.Families who rebuild vs. families who build for the first time. First-generation wealth builders are in foreign territory. Families rebuilding after loss are returning to something remembered. Both are powerful, but the relationship with wealth is fundamentally different.Playing the long game means playing forever. Don't think about how quickly you can win — think about how long you can continue to play. If you can play forever, you can't really lose unless you stop.Truly hearing someone vs. just listening. It's not improv — it's a deeper presence where you catch the subtle nuance, the pause, the word choice, and steer the conversation toward what matters.The post-recording revelation. Some of the best moments happen after you stop recording. Staying the extra five minutes with a guest can yield the “cherry on the cake” that makes the whole episode come together.Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3953: Kali explains that while cutting expenses is the easiest way to create a surplus, frugality alone can only go so far. Once your budget is optimized, the real path to greater financial freedom is increasing your income through raises, side gigs, monetizing hobbies, or using assets you already have. The ideas shared show practical ways to turn everyday skills, space, and possessions into new income streams. Read along with the original article(s) here: https://www.makingsenseofcents.com/2013/11/when-being-frugal-isnt-enough.html Quotes to ponder: "Being frugal means you need less. When you need less, you spend less." "When you do begin to cut expenses, you're taking advantage of the first and easiest way to build wealth." "If you already do something that you love, consider if there is a market for what you make." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3953: Kali explains that while cutting expenses is the easiest way to create a surplus, frugality alone can only go so far. Once your budget is optimized, the real path to greater financial freedom is increasing your income through raises, side gigs, monetizing hobbies, or using assets you already have. The ideas shared show practical ways to turn everyday skills, space, and possessions into new income streams. Read along with the original article(s) here: https://www.makingsenseofcents.com/2013/11/when-being-frugal-isnt-enough.html Quotes to ponder: "Being frugal means you need less. When you need less, you spend less." "When you do begin to cut expenses, you're taking advantage of the first and easiest way to build wealth." "If you already do something that you love, consider if there is a market for what you make." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3953: Kali explains that while cutting expenses is the easiest way to create a surplus, frugality alone can only go so far. Once your budget is optimized, the real path to greater financial freedom is increasing your income through raises, side gigs, monetizing hobbies, or using assets you already have. The ideas shared show practical ways to turn everyday skills, space, and possessions into new income streams. Read along with the original article(s) here: https://www.makingsenseofcents.com/2013/11/when-being-frugal-isnt-enough.html Quotes to ponder: "Being frugal means you need less. When you need less, you spend less." "When you do begin to cut expenses, you're taking advantage of the first and easiest way to build wealth." "If you already do something that you love, consider if there is a market for what you make." Learn more about your ad choices. Visit megaphone.fm/adchoices

If you need a new meat to eat, why not try nutria? UK's legal tender might get a beaver, a kākāpō captivates the internet, we talk to Lizzie Burder from CTC's "Dinosaur World Live," and frugal wedding memoriesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Learn how to build a budget with room for fun so you can save money without guilt. How can you save toward big goals without letting frugality turn into burnout? How do you stop shaming yourself for spending on fun? Hosts Sean Pyles and Elizabeth Ayoola respond to a listener named Michael who's skipping trips, staying in, and feeling guilty whenever they spend. Joined by personal finance writer Kim Palmer, they unpack frugal fatigue and money shame, explore how “money stories” and scarcity mindset can fuel obsessive saving, and share practical ways to budget for joy. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Rick on reducing friction and increasing security.  Eric's Amazon Page affiliate link: https://geni.us/5UWTG  AI Robot Free NY Times link here: https://www.nytimes.com/2026/02/12/us/elliq-ai-robot-senior-companion.html?unlocked_article_code=1.L1A.njZ7.t-w1TYh5pU7N&smid=nytcore-ios-share Sign Up For My Free Newsletters: https://www.gardenfork.tv/email/ Here are 2 After Shows for you to check out, please consider becoming a Patron of GF. https://www.patreon.com/posts/138069613  https://www.patreon.com/posts/free-after-show-122506027  Here's one of the many Labs pics I post for patrons: https://www.patreon.com/posts/step-away-and-be-122999799 Please considering supporting the GF world by becoming a supporter on Patreon. You get weekly Labrador and behind the scenes photos and vids, plus the Patron-only GardenFork Radio After Show. :) https://www.patreon.com/gardenfork Check out the new Cool Stuff emails: Cool Stuff #1 https://preview.mailerlite.com/n3c9y8y8a2 Cool Stuff #2 https://preview.mailerlite.com/h7o6t7l9a6 Start your Amazon shopping using our affiliate link: https://geni.us/5UWTG  The Tools I Use: https://geni.us/bXV6a7  GardenFork receives compensation when you use our affiliate links. This is how we pay the bills ;) Email me: gardenfork87@gmail.com Watch us on YouTube: www.youtube.com/gardenfork Music used on the podcast is licensed by AudioBlocks and Unique Tracks ©2025 GardenFork Media LLC All Rights Reserved GardenFork Radio is produced in Brooklyn, NY

Today, I'm pulling back the curtain on the 10 frugal spending habits that can save you serious money in 2026 and beyond. If you think frugality is all about sacrifice or living like a miser, think again. This episode is about reclaiming control...making sure your hard-earned dollars aren't quietly leaving your life without your permission.These habits aren't about being cheap, depriving yourself of fun, or sucking the joy out of your life. They're about making intentional moves that help you master your money, eliminate financial stress, and live a life of choice.I share the traps I've fallen into myself—because, hey, I'm human, just like you. The goal here isn't perfection, it's about catching yourself faster and building in systems that keep you in the driver's seat.IN TODAY'S EPISODE, I DISCUSS:How invisible money leaks (like unused subscriptions) quietly wreck your cash flow and my simple quarterly audit habit to seal those leaksWhy you must annualize every recurring expense before you say yes...no more falling for the “it's only $39/month” illusionTaking the friction out of spending and how to hack your environment so you actually buy less (without willpower)Planning your convenience spending in advance, so you get the joy without the regretDelaying identity-driven purchases by just one pay cycle to break the grip of impulse spendingCapturing margin from every raise or windfall before lifestyle creep “sucks it all up”How tracking your margin (not every dollar) can be a simpler, more effective alternative to traditional budgetingRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyWhat The 1% Teach Their Kids About MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Psychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5M12 Unsexy Habits That Made Me Serious Money: https://youtu.be/OjYgoVwFxWsORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

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The Ringer's Bill Simmons is joined by Max Kellerman to talk about the struggling Clippers and Anthony Davis (3:20). Then, they give Giannis trade advice before discussing the topics Max just missed talking about (40:33). Finally, they talk about life after ‘First Take', boxing, and much more! (01:51:13). Host: Bill Simmons Guest: Max Kellerman Producers: Chia Hao Tat and Eduardo Ocampo Get Gameday Deals all season long only on Uber Eats. Order Now. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit⁠⁠ www.rg-help.com⁠⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices