Podcasts about hidden costs

Ever feel like your passion is actually… burning you out? This week, we're diving deep into the often-unseen downsides of passion-driven work with licensed mental health therapist and entrepreneurial wellness specialist, Jennifer Gray. We explore how that fiery drive can unknowingly fuel overwork, blur your personal identity, and even make you blind to burnout.Jennifer, who started her career in finance before realizing her true calling was in helping people build sustainable careers, shares her insights on why high-achievers often struggle with boundaries. We discuss how to recognize when your nervous system is dysregulated and practical steps to create "passion-free zones" that protect your well-being and fuel your creativity outside of work. If you've ever found yourself working at 3 AM because an idea popped into your head, this episode is for you!Timestamps:

Send Katie a Text Message!! If you've ever said, “I gave a discount just to keep the client happy,” this episode of Success by Design is for you.In this week's Projects to Profit series, I'm pulling back the curtain on one of the most common traps interior designers fall into: discounting. What feels like a quick win for keeping a client can harm your profit margins, dilute your brand, and erode your confidence as a designer.Check out the full show notes and other resources at https://successbydesign.coach/podcast/b/the-hidden-costs-of-discounting-your-interior-design-servicesConnect with Katie LinkedInBusiness Strategy Sessions for Interior Designers Free Resources for scaling your interior design firmWebsite This podcast is brought to you in partnership with Leah Bryant Co.

Summary In this conversation, Ali Damron and Elizabeth Katzman delve into the complexities of hormonal health, particularly focusing on the effects of birth control and the concept of the 'pill hangover.' They discuss the symptoms women experience after discontinuing birth control, the impact of hormonal contraceptives on overall health, and the importance of understanding the long-term effects of these medications. Katzman emphasizes the need for informed consent and the significance of addressing nutrient depletion and nervous system health in women transitioning off hormonal birth control. The discussion also covers alternative contraceptive options and the importance of education in empowering women to make informed choices about their health. Takeaways The term 'pill hangover' describes lingering symptoms after stopping birth control. Many women experience symptoms like anxiety, fatigue, and hormonal chaos post-pill. Birth control can suppress ovulation and disrupt hormonal balance. Understanding the difference between progestins and bioidentical progesterone is crucial. Nutrient depletion from birth control can lead to various health issues. The nervous system's health is impacted by hormonal changes and nutrient deficiencies. Women should be educated about their menstrual cycles and hormonal health. Informed consent is essential when considering hormonal treatments. Alternative contraceptive methods exist that do not disrupt natural hormone production. Long-term health considerations should guide contraceptive choices.   Chapters 00:00 Understanding the Pill Hangover 02:50 Defining Post-Pill Symptoms 04:32 The Impact of Hormonal Birth Control 07:50 Comparing Birth Control Methods 10:05 Progestins vs. Progesterone 12:19 The Risks of Synthetic Hormones 14:00 Informed Consent in Birth Control 17:50 Natural Alternatives to Hormonal Treatments 19:20 Addressing Mineral Depletion and Recovery 19:35 Gut Health and Mental Well-being 22:50 Nutrient Depletion and Hormonal Balance 26:59 Understanding Menstrual Cycles and Hormonal Health 29:48 Innovations in Women's Health: Bioregulators and Peptides 33:58 The Role of Lifestyle in Hormonal Health 37:54 Practitioner Insights and Patient Care   Resources Elizabeth's IG Elizabeth's Website  Ali's Resources:  Calm the Chaos: Practical Tips and Tools for Stopping Anxiety in It's Tracks Course! Consults with Ali  BIOptimizers Magnesium Breakthrough 10% off using code ALIDAMRON10 www.alidamron.com/magnesium Master Your Perimenopause Course + Toolkit "Am I in Perimenopause?" Checklist.  What Hormone is Imbalanced? Quiz! Fullscript (Get 10% off all supplements) "How To Balance Your Hormones For Better Sleep, Mood, Periods and Energy" Free, On Demand Training Website  Ali's Instagram Ali's Facebook Group: Holistic Health with Ali Damron   

This week on the Full of Beans podcast, Han is joined by Brea Cannady. Brea is the founder of PREPÆRE™, a platform focused on integrating mental health safeguards into cosmetic care. Her work challenges the aesthetic industry to take emotional wellbeing seriously by creating tools and resources that support patients before treatment ever begins.Through PREPÆRE™, she advocates for better standards, safer conversations, and responsible care pathways that protect both patients and practitioners. Her mission is rooted in lived experience, deep research, and a refusal to accept the status quo.Together, we explore:What Body Dysmorphic Disorder really isThe risks of using surgery as a solution to psychological distressWhy cosmetic procedures can worsen BDD symptomsHealthy vs. harmful motivations for aesthetic treatmentsHow Prepaere empowers both clients and clinics for safe comestic treatments The need for psychological safety and better regulation in aesthetic medicineTimestamps: 00:34 – Brea's personal experience with BDD 03:18 – Brea's experience of cosmetic surgery 10:05 – Misconceptions about BDD & body image 14:30 – Can surgery ever be the solution? 19:35 – Addiction to appearance-based control 24:22 – When “self-care” becomes reliance 31:00 – What should be the clinician's role? 35:40 – Introducing the Prepaere tool Trigger Warning: This episode contains discussion of body dysmorphic disorders, eating disorders and cosmetic surgery. Resources & Links:Email: info@prepaere.com PREPÆRE™ Instagram Brea's LinkedIn PREPÆRE™ WebsiteConnect with Us:Subscribe to the Full of Beans Podcast hereFollow Full of Beans on Instagram hereRead our latest blog hereThank you for listening and being part of this important conversation!If you loved this episode, don't forget to subscribe, leave a review, and share it with someone who might benefit!Sending positive beans your way, Han

Buying a commercial property is exciting — but it's also scary. What if you overpay? What if there are hidden costs waiting to bite you later?In this episode, I share the two essential steps you must take before you commit to buying, so you can protect yourself from nasty surprises:✅ Why you should always commission two valuations — one at market value and one at vacant possession.✅ What a building survey really tells you (it's not just about defects — it's about who pays for them under the lease).✅ Why spending up to £5,000 on due diligence can save you tens of thousands in the long run.By the end, you'll know exactly how to avoid overpaying and how to make sure you don't get caught with unexpected bills.We're going Back to School at NC Real Estate with a brand-new 3-part live training series for commercial property investors:Back to School: Finance, Tenant Demand & Systems for Commercial Property Investors

On the job, strength is measured in grit, control, and composure under pressure. But behind the badge (Amazon Affiliate), there's another kind of strength that's often overlooked: emotional intelligence. Why does it still feel “soft” or unsafe to express empathy, vulnerability, or self-awareness on the job? In this episode, Ashlie and Clint unpack the silent tension between tactical competence and emotional growth—revealing why the two aren't opposites at all, but deeply intertwined forms of resilience.

Philip Straehl thinks the next wave of growth is “uncertain” as generative AI takes the wheel. While he is bullish on AI, he argues heavy AI capex spending has hidden costs. He compares it to other historical periods where industries spend heavily on a new technology and then have difficulties monetizing it.======== 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

THE HIDDEN COSTS OF DIVORCE + THE VALUE OF DOC...Also, you can get a free 7-day dating course at DocLove.com/Course and free dating videos at DocLove.com/YouTube

Send us a textDo you feel the pressure of your biological clock ticking and wonder about the expenses of freezing your eggs? This week, we're discussing a topic that's rarely talked about, but deeply personal, financially hefty, and emotionally loaded: egg freezing.Our guest, Aliza Virani, knows this world intimately. After freezing her own eggs in Canada, facing sky-high costs, and a rollercoaster of emotions, she turned her personal experience into something groundbreaking: The Fertility Co-Living Retreat in Mexico City.Aliza blends her decade-long background in luxury event planning (think Prada, Michael Kors, Harper's Bazaar) with the real, raw, and often isolating experience of navigating fertility decisions as a woman in her 30s. Now, she creates beautiful, supportive, egg freezing retreats where women don't just go through a procedure, they go through a transformation.00:00 Hidden Costs of Egg Freezing01:30 The Rising Trend and Pressures of Egg Freezing04:18 Introducing Aliza and Her Egg Freezing Journey06:14 Aliza's Personal Experience08:55 The Emotional and Financial Aspects of Egg Freezing16:25 The Benefits of Egg Freezing Retreats in Mexico20:58 Building a Supportive Community and Future Plans30:58 Upcoming RetreatsThis conversation is full of insight, heart, and real talk around a life decision many women are quietly navigating. And most importantly? You don't have to do it alone.Aliza opens up about the emotional and financial sides of egg freezing, and what she wishes she knew sooner. Continue the conversation in Money Talks on August 28, where we'll tackle the real cost of reproductive planning and how to financially prepare for your future, your way. Click here to register for FREE and bring your questions! Follow & connect with Aliza:Website Instagram Connect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

Episode Summary:In this episode of Survival to Success, we're diving into the quiet, dangerous cost of “pushing through” when your body, mind, or spirit is begging you to stop. High achievers wear perseverance like a badge of honour — but what's the toll when we ignore the warning signs?I share my own personal moments of hitting the wall, the subtle cues that signalled I was heading for burnout, and the lessons I learned about listening to my body's wisdom. We'll talk about why “powering through” feels noble — but often comes at the expense of your health, relationships, and even your long-term success.In This Episode, You'll Learn:The hidden costs of ignoring your body's need for rest.How overachievement can quietly erode your health and joy.Three simple ways to recognize when you're running on empty.What to do instead of pushing harder.If you've ever said “I just need to get through this week” (and then said it again the next week), this episode is your permission slip to stop, reset, and choose a more sustainable path. Contact me: support@dianegudmundson.com

If you've ever felt overwhelmed, boxed in, or just plain bored by traditional business plans as a small business owner with ADHD, this episode is for you! Host Diann Wingert is here to reimagine business planning in a way that's actually ADHD-friendly—lean, flexible, visual, and, most importantly, useful. Whether you're new to entrepreneurship or tired of winging it and hitting hidden roadblocks, Diann guides you through a business planning approach that celebrates how the ADHD brain works best. Get ready to create a plan you'll actually want to use!Episode highlights: The Big Lie:Your ADHD brain thinks planning cramps your style—but done right, the opposite is true. Planning can be the external structure that fuels freedom, creativity, and calm in your business. The trick? Ignore the boring templates and create a plan tailored to how your brain truly operates.Why Traditional Business Plans Don't Work for ADHD Brains:The pitfalls of rigid, lengthy plans and how they trigger resistance and procrastination.Why our tendency to wing it isn't always as productive (or painless) as it feels.The Hidden Costs of ‘Winging It':Missed opportunitiesWasted energyUnfinished projects.Introducing the ADHD-Friendly Minimal Business Plan Framework:Four simple pillars (instead of 40 pages)North Star: Your “why,” distilled for everyday decisions.Revenue Reality Check: Getting real with three simple numbers.Zone of Genius: Maximizing what energizes you and minimizing the rest.Next Three Moves: Concrete, short-term steps—no five-year forecasts here!Making Your Business Plan Visual & Flexible:Why a one-page, visual dashboard beats a document you'll never open again.Tools and formats—Trello, Canva, voice-to-text, and more—that play to ADHD strengths.Get it Done (Without Overwhelm) with The Sprint Method25 minutes a day, one pillar at a time, over four days.Walk away when the timer rings—even mid-sentence.No giant blocks of time, no perfectionism, no overwhelm.Homework:Take 25 minutes this week and pick ONE pillar to focus on—whichever feels easiest or most fun. (Money anxiety? Start with your North Star instead!) Next week, another pillar. Within a month, you've got an ADHD-friendly business plan that you will actually use! Share your ADHD-friendly business plan with Diann Email: diann@diannwingertcoaching.com LinkedIn: https://www.linkedin.com/in/diannwingertcoaching/SpeakPipe voice messaging: https://www.speakpipe.com/AskDiannAnythingAbout the Host:Diann Wingert (she/her) is a former psychotherapist turned business strategist with a passion for supporting neurodivergent entrepreneurs. With real-world experience as both a clinician and a business owner—and her signature no-BS, motivational style—Diann specializes in helping business owners find strategies and systems to balance their passion and purpose, with profit, and avoid burnout in the process. Be sure to subscribe/follow so you don't miss future episodes full of practical, ADHD-friendly business advice!© 2025 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir

In this powerful episode of Power and Impact, host Jim McCann is joined by the brilliant Anna Gifty Opoku-Agyeman — economist, activist, and author of The Double Tax. What follows is a dynamic and inspiring conversation about gender, race, economics, and purpose. Anna shares her remarkable journey: from being born in Ghana and winning the U.S. visa lottery, to growing up in Maryland, falling in love with mathematics, switching from pre-med to economics, and eventually pursuing a PhD at Harvard. Along the way, she became a voice for equity and inclusion, co-founding the Sadie Collective to bring more Black women into economics and related fields. In this interview, Anna opens up about the hidden cost of being a woman — particularly a Black woman — in America. She explains the concept of the “double tax,” the systemic pink tax that's embedded in our economy, and how structural inequalities are often normalized. From overpriced products to underpaid labor and overlooked data, Anna pulls back the curtain on how everyday economics disproportionately affects women.

Visit thedigitalslicepodcast.com for complete show notes of every podcast episode. Join Brad Friedman and Andy Culligan as they chat about getting your sales and marketing teams to work together and the hidden costs of siloed teams. Andy Culligan is a marketing leader specializing in revenue growth and scaling SaaS businesses. With close to a decade of experience in both marketing and sales, Andy excels as a Fractional CMO, CRO, and Marketing Advisor. He is known for his straightforward approach to Account-Based Marketing (ABM), aligning marketing and sales teams to drive commercial success. Andy has held key marketing leadership positions at multiple SaaS companies including Emarsys (acquired by SAP), Exponea (acquired by Bloomreach) & Leadfeeder (now Echobot). He focuses on personalized marketing strategies that create meaningful touchpoints, ultimately boosting revenue for his clients. The Digital Slice Podcast is brought to you by Magai. Up your AI game at https://friedmansocialmedia.com/magai

In this special episode of Connected FM, Kyle Eldridge sits down with Andrew Steele for a preview of his upcoming World Workplace session. They dive into the true costs of technology adoption in facility management. Andrew shares insights from his research and real-world experiences, emphasizing the importance of understanding hidden costs, organizational behavior, and the need for a cultural change in technology adoption. He outlines four categories of costs that facility managers should consider and provides actionable strategies for successful implementation.Resources mentioned:Andrew Steele's UW thesis research: https://digital.lib.washington.edu/researchworks/items/fe627f40-e558-4484-b937-b51a824fcc25Andrew Steele's WWP speaker profile: https://worldworkplace.ifma.org/whats-happening/speakers/Andrew Steele LinkedIn: https://www.linkedin.com/in/andrewsteelefmWWP Session: "Beyond Hardware: True Costs of Technology Adoption in FM" - Thursday, September 18, 2025, 9:45 AM to 10:30 AM, Room 102BCSponsor:This episode is sponsored by ODP Business Solutions! Connect with Us:LinkedIn: https://www.linkedin.com/company/ifmaFacebook: https://www.facebook.com/InternationalFacilityManagementAssociation/Twitter: https://twitter.com/IFMAInstagram: https://www.instagram.com/ifma_hq/YouTube: https://youtube.com/ifmaglobalVisit us at https://ifma.org

Joe Killinger reveals how agents can build wealth through commercial deals, triple-net properties, and smart investing. Discover value-adding secrets and why listening might be your biggest moneymaker yet.See full article: https://www.unitedstatesrealestateinvestor.com/from-farm-roots-to-fortune-turning-chaos-into-commercial-gold-with-joe-killinger/(00:00) - Introduction to The REI Agent Podcast(00:24) - Mattias Recaps Camping, Parenting, and Erica's Trip(02:36) - Joe Killinger Joins the Show: From Nebraska to LA(06:21) - Creating a Real Estate Agent Investment Fund(09:02) - Removing Wealth Requirements for Investors(10:36) - The Power of Syndications and Bonus Depreciation(11:59) - Investing as the Ultimate Learning Tool(12:41) - Residential vs. Commercial: Who Should Choose What?(15:07) - Mindset and Strategy for Commercial Real Estate Success(17:07) - Opportunity for Younger Agents in Commercial(18:48) - Outbound and Inbound Lead Generation for Agents(20:32) - Tech, CRMs, and the Rise of AI in Commercial Real Estate(21:12) - Why Most Agents Fail: Poor Marketing and No Strategy(22:35) - Should Agents Specialize in the Asset They Want to Invest In?(26:44) - Managing Property Managers and Preventing Theft(28:42) - Foreclosures Are Not Flooding the Market Yet(29:38) - Joe's Shift to Triple Net Lease Properties(31:13) - Why Triple Net is the Most Passive and Liquid Investment(32:29) - Risks and Rewards of Triple Net Investing(36:26) - Vetting Tenants and Evaluating Market Strength(37:21) - Using Multifamily to Build Up to Triple Net Investing(38:13) - Mistakes from Overleveraging and Unchecked Growth(39:29) - Hidden Costs of Airbnb and Market Saturation Risks(40:48) - Adding Creative Value to Multifamily Properties(41:50) - Cap Rates and Increasing Value with Strategic Improvements(42:16) - Lessons from Joe's First Two Investment Properties(43:24) - Final Advice: Show Up, Listen, Keep Learning(45:20) - Joe's #1 Book Recommendation for Real Estate Agents(46:26) - Where to Follow and Learn More from Joe Killinger(47:27) - Outro: Subscribe and Visit REIAgent.comContact Joe Killingerhttps://www.joekillinger.co/https://youtube.com/@JoeKillinger--For more masterful content like this, visit https://reiagent.com

In this episode, we talk about the challenges of shipping big, bulky, and high-value products like furniture, fitness gear, and electronics.Robert Khachatryan, founder and CEO of Freight Right Global Logistics, shares how to avoid costly mistakes, handle hidden fees like taxes and duties, and make selling large items internationally simple and profitable.Topics discussed in this episode:  Why bulky items add hidden costs. Why free shipping hurts margins. Why taxes and duties matter. What makes market research essential. How packaging affects costs. Why brands avoid going global. What makes onboarding simple. How logistics profit from shipping. Why brands should go global. Links & Resources Website: https://www.freightright.com/LinkedIn: https://www.linkedin.com/company/freight-right/X/Twitter: https://x.com/FreightRightFacebook: https://www.facebook.com/FreightRight/Get access to more free resources by visiting the show notes athttps://tinyurl.com/2jv49spjMORE RESOURCES Subscribe to our FREE Newsletter: https://newsletter.ecommercecoffeebreak.com/ Free Store Optimization Beginners Guide: Instant PDF Download!

Peter Rahal is the Co‑Founder & CEO of David Protein, the highest protein‑to‑calorie ratio for any protein bar on the market. Peter has raised over $85M from Greenoaks, Dr. Peter Attia and Dr. Andrew Huberman with the latest round valuing the company at $725 million. The company is poised for over $100 million in first‑year revenue. Formerly, Peter co‑founded RXBAR in his mom's basement with a $10k start, growing it into a household brand and selling it to Kellogg for $600 million. poised for over $100 million first‑year revenue   Agenda for Today:  00:04 – The One Piece of Advice from My Father That Made $600M 00:07 – Selling Protein Bars from a CrossFit Gym to $2M in Year One 00:12 – Why Raising Money Early Would Have Killed RXBAR's Success 00:15 – Product vs Brand: What Every Brand Gets Wrong Today 00:17 – Why Red Bull is the Best Brand in the World? What Can We Learn From It?  00:20 – Are Brands the New Religion? How Status and Community Really Work 00:27 – The Boiled Cod Stunt: Brilliant Marketing or Massive Waste of Time? 00:35 – Selling RXBAR for $600M: Inside the Decision and the TAM Ceiling 00:40 – $100M Overnight: What Really Changes When You Get Rich 00:44 – The Hidden Costs of Success: Health, Relationships and Obsession 00:47 – Why Peter Doesn't Care What People Think… and Actually Likes Upsetting Them 00:53 – The $10B Plan for David: From Protein Bars to a Portfolio of Brands  

Send us a textParenting is of course expensive, but are you aware of the true costs of motherhood? In this episode, we sit down with Cindy DiTiberio, the author of the bestselling Substack The Mother Lode (a feminist exploration of motherhood, marriage and divorce) and a New York Times bestselling collaborator and editor who has worked in publishing for over twenty years. Cindy's writing has appeared in The Lily, Scary Mommy, Literary Mama, Mutha Magazine, and more. She was the inaugural guest on The Chamber of Mothers Book Club and collaborated with Eve Rodsky, The Fair Play Policy Institute, and Aaron Thomas on The Fair Play Guide to Prenups and Postnups.In this episode, she talks about the unspoken financial, physical, and emotional challenges women face when they become mothers. Cindy sheds light on the sacrifices made, the often overlooked costs of unpaid labor, and the personal toll on women's bodies. She also discusses her series 'The Math of Motherhood', which vividly captures these realities, and shares her own candid experiences with motherhood, marriage, and divorce. Listen in to learn about the importance of financial transparency in relationships, the value of a divorce coach, and the crucial conversations women must have to navigate these life-changing moments. 00:00 The Hidden Costs of Motherhood04:35 Introducing Cindy DiTiberio07:06 Cindy's Journey: From Editor to Writer13:24 The Math of Motherhood20:31 The Reality of Prenups and Postnups23:29 Introduction to Divorce Diaries24:11 The Realities of Divorce25:01 Challenges of Child Support29:31 Financial Planning for Divorce33:43 Emotional and Practical Advice37:04 Cindy's Personal ReflectionsCindy gets real about the cost of caregiving and why women shouldn't have to carry it all alone. Don't miss Money Talks on August 14, where we'll dive into how motherhood impacts your long-term finances, and how to plan ahead with confidence, not overwhelm. Click here to register for FREE and bring your questions! Follow & connect with Cindy:Website Instagram Connect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

To get your free copy of Zach's Ebook “Handmade Business Secrets”, Please click here - https://www.zachvaught.com/handmadebusinesssecretsbook   If you're trying to grow to $5-10k/mo with your woodworking or handmade business- steal all the same strategies & systems Zach used to break the $10k/mo barrier - Please click here - https://www.zachvaught.com/HHA   If you're a woodworker doing at least $3k/mo consistently in sales and you're ready to scale to $20k/mo+, you need to apply for the Woodworking Accelerator Program. Please click here - https://www.zachvaught.com/WWBAP   All Zach's top choices that power his business   SHOPIFY - Launch your new woodworking or handmade website today for just $1! It's easy to get started. https://shopify.pxf.io/c/2544769/1061744/13624   INCFILE - Setup your business the right way & in minutes! Be sure to use this link for your discount! - https://incfile.grsm.io/c6ymnwkoo5hv   QUICKBOOKS - Save 30% For 6 Months & Finally Get Your Business Finances In Order - https://quickbooks.intuit.com/partners/qbba/?cid=par_qbppnr_zachvaught9472&gspk=emFjaHZhdWdodDk0NzI&gsxid=YZeRn3iY57Ni   PIPEDRIVE - Follow up with leads, keep track of clients, and close more sales! Try for free for 30 days! - https://aff.trypipedrive.com/fh34hhfppt9k   SIMPLETEXTING - Implement SMS & Text Messaging Marketing Into Your Business Today To Sell More, Make More, & Grow More! Get started for free today. - https://simpletexting.stptnr.net/bvgs1y2ouqwn   LUCID CHARTS - Get Strategic & Plan For Growth. Use These Charts To Map Out Marketing Strategies, Org Charts, Shop Flows, & More! Sign up for free today. - https://try.lucid.co/rhuf1awoigan 

We were young and eager to become homeowners. We qualified, found the perfect house, and scraped together just enough for the down payment. But once we settled in, started growing our family, and lived a little life, we quickly realized one thing: homeownership is expensive. There are hidden costs that often catch new homeowners off guard. The truth is, owning a home comes with expenses that many don't fully anticipate. Understanding these "hidden costs" is crucial. It's not just to keep your finances in order, but to ensure long-term peace of mind. Here we break down the unexpected expenses of homeownership and how to plan for them.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

In this episode of the M&A Guy podcast, host Brian T. Franco discusses the critical importance of cost optimization with guest Brian Suddarth from ERA Group. They explore common cost inefficiencies in businesses, the role of AI in improving operational efficiency, and the necessity of early exit planning to enhance enterprise value. The conversation emphasizes that optimizing costs is not just about cutting expenses but is a strategic move that can significantly increase a company's valuation before a sale or capital event.

The fellas issue a dire warning for those wanting to emulate their turd box rich lavish lifestyles. Project cars are freakin' expensive. Some costs are obvious, while some can really sneak up on you. Let's explore some of financial pains that come with the territory.

Text Us Your Feedback! (Likes, Dislikes, Guest/Conversation Recommendations). Dr. Mike Eiden is one of the youngest certified Co-Leaders in the Mankind Project, a Licensed Clinical Social Worker, Board-Certified Sex Therapist, and Certified Sex Addiction Therapist. With over a decade of experience in addiction and trauma treatment, Mike specializes in process addictions like screen and sex addiction, complex trauma, and relational healing. He recently defended his doctoral dissertation on helping parents address compulsive screen use in children.

Balancing emotions, managing relationships, making practical financial decisions – dealing with an inheritance isn’t always simple. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Melody Edwards, a senior financial adviser at Evalesco, to discuss the hidden costs of inheritance and aligning a windfall with your financial goals. 00:00 Introduction 02:52 Emotional and relationship dynamics of inheritances 07:43 Practical advice for managing an inheritance 10:08 Short-term and long-term financial strategies for inheritances 16:32 Final thoughts and tips 18:13 Conclusion and farewell #friendswithmoney #tomwatson #melodyedwards #inheritance Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbRSee omnystudio.com/listener for privacy information.

Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. www.InsightGlobal.com/LearningLeader My Guest: Tim Ferriss is the author of five #1 New York Times bestsellers (including The 4-Hour Work Week, Tools of Titans, and Tribe of Mentors). His podcast, The Tim Ferriss Show, has been listened to more than a billion times. Tim was an early investor in Uber, Shopify, Twitter, Alibaba, and many others. He's the creator of a new card game called COYOTE. Decision making - How can I win even if I lose? He viewed angel investing like his personal MBA. Instead of paying for business school, he invested in companies and learned about business by working with actual businesses. He didn't expect to make money on those investments. That was just a bonus. Think, “How can I win even if I lose?” Tim won with those investments, regardless of whether he made money or not on them. Key Takeaways and Learnings: Parents Who Foster Curiosity – Tim's mother created a "books are always in budget" policy despite tight finances. Used remainder tables at bookstores to expose him to random, off-menu knowledge that sparked lifelong curiosity about unconventional topics. Curiosity-Driven Exploration – When Tim showed interest in marine biology, his mom found Frank Mundus (inspiration for Jaws character), arranged a meeting, and created low-cost adventures like crab fishing with chicken bones to fuel his interests. The Mask You Wear Becomes You – "Be very careful what you pretend to be" - spent years presenting as overly serious to be taken seriously, which created a recursive feedback loop. Now embraces more play and laughter to avoid burnout.  Fiction and Poetry as Life Teachers – Shifted from non-fiction purist to reading more fiction/poetry. Recommends "Ozymandias" as a monthly reminder that all achievements fade: "My name is Ozymandias, king of kings. Look on my works, ye mighty and despair. Nothing beside remains." Internal vs External Scorecards – Money and fame amplify whatever's underneath, like alcohol or power. "If you have certain insecurities or paranoia, all of those are going to be amplified. If you're generous, that's also gonna be the case." Effectiveness Over Efficiency – "Effectiveness is doing the right things, efficiency is doing things well, but doing something well does not make it important." Focus on choosing the right targets rather than optimizing everything. Strategic Slack in Systems – Moved away from filling every 10 minutes. Takes 10 minutes each morning with coffee to read fiction/poetry/meditate to prove "you do not have to front flip out of bed and land in a full sprint." How to Win Even If You Fail – Project selection framework: "How can I win even if I fail?" Focus on relationships built and skills acquired that transfer beyond the project if external metrics don't pan out. The COYOTE Game Philosophy – Created a card game to address the social isolation epidemic. "People don't have a shortage of productivity advice... It's taking some steam out of the system and actually enjoying what you have worked so hard for." Social Bonds as Foundation – "It's the relationships, stupid." Countries rated happiest fundamentally come down to social ties. In-person social interactions are down 70% in certain age groups over the last 10 years. Podcasting as Relationship Building – "My goal is not to have 100% of my audience like any episode... but I do want 10% of my audience to love each episode." The personal is the most universal. Fame's Hidden Costs – With the audience size of major cities comes proportional number of unstable people. "If you have a small village, you're gonna have one village idiot... "How many crazy people are there in New York City?" "Be suspicious of what you want."   Tim read me the poem by Ozymandias by Percy Bysshe Shelley "If more information were the answer, we'd all be billionaires with six-pack abs." Be a talent scout - You don't need a huge network. A+ players in one area know A+ players in others. Seek out people who are great at what they do, regardless of what they do. Study what makes them great at that thing. Then you'll probably meet other A+ players. Also, it's on us to strive to be an A+ player at what we do. Be so good at whatever your thing is that other A+ players want to meet you. Tim has been very good at that. Quotes: "Be very careful what you pretend to be... the mask you wear often becomes the person you are." "Be suspicious of what you want." (Rumi) "My name is Ozymandias, king of kings. Look on my works, ye mighty and despair. Nothing beside remains." "Effectiveness is doing the right things, efficiency is doing things well, but doing something well does not make it important." "How can I win even if I fail?" "The personal is the most universal." "It's the relationships, stupid." "If more information were the answer, then we'd all be billionaires with six-pack abs." "Follow your curiosity and obsessions with great rigor. Do that and I like your chances." "The superheroes you have in your mind are nearly all walking flaws who've maximized one or two strengths." "You don't need a huge network... the super A+ players tend to know other A+ players." Life Lessons: Cultivate Childhood Curiosity – Create "always yes" policies for learning and exploration. Use constraints (like remainder tables) to discover unexpected interests. Embrace Strategic Experimentation – View life as a series of 6-12-month projects with 2-4 week experiments. Design studies to get feedback, not just chase outcomes. Balance Seriousness with Play – Taking yourself too seriously leads to burnout. Build in recovery phases and "deloading" periods across all life areas. Choose Projects for Learning – Select opportunities based on relationships you'll build and skills you'll acquire, not just potential external rewards. Start With Personal Pain Points – Best opportunities often come from solving problems you personally understand deeply, then expanding adjacent. Build Safety Nets First – Like Arnold's real estate, before acting, create financial/emotional cushions that allow you to say no and wait for right opportunities. Quality Over Quantity in Relationships – Better to have deep connections with fewer people than surface-level networks with many. Morning Rituals Create Calm – Prove to your nervous system you don't have to be frantic by taking 10 minutes each morning for something peaceful. Scratch Your Own Itch – Whether in podcasting, investing, or any pursuit, follow genuine personal interest for sustainable energy and authentic results. Prepare for Success Taxes – Fame and wealth amplify existing traits. Address insecurities and develop strong boundaries before scaling. Value Present Experience – Focus on daily energy in/out rather than constantly deferring happiness to future achievements. Apply to be part of my next Learning Leader Circle. Time Stamps 00:38 Tim's Childhood and Parental Influence 01:15 Curiosity and Lifelong Learning 02:56 Marine Biology and Childhood Adventures 07:06 Influence of Mentors and Teaching Aspirations 08:45 Thoughts on Parenthood and Relationships 12:11 Balancing Seriousness and Humor 25:15 Effectiveness vs. Efficiency 30:50 Creating Slack and Self-Care 34:41 The Importance of Social Bonds and Play 41:07 Meeting a Game-Changing Partner 42:13 The Importance of Analog Social Interaction 42:55 Podcasting: A Platform for Deep Connections 43:30 The Evolution and Challenges of Podcasting 43:47 The Art of Interviewing 49:18 Navigating Fame and Public Exposure 01:04:26 The Philosophy of Risk and Experimentation 01:10:27 Spotting Talent and Following Curiosity 01:20:37 Closing Thoughts and Future Endeavors

Are you tired of holding it all together for everyone else? In this deeply personal episode, Dr. Alison explores the hidden ache of emotional caretaking—the quiet ways we overfunction, over-give, and overlook our own needs to keep the peace. Whether it started in childhood or has become a way of coping in adult relationships, many of us have learned to survive by tending to others while slowly disappearing ourselves. Alison shares what she's learning about her own inner caretaker and gently invites you to reconnect with the parts of you that are tired, weary, and worthy of care. This isn't about walking away from the people you love—it's about learning to stay grounded in yourself as you care well for others. This episode explores: Why emotional caretaking can feel like love—but quietly wears you down How childhood dynamics shape your adult urge to fix, help, or rescue What most people get wrong about “self-care” The hidden cost of always tending to others while neglecting yourself A gentle practice to reconnect with your inner caretaker—and what she needs This episode is a loving reminder: Your needs matter. Your soul deserves care. And you don't have to carry it all alone.

Every week, we hear another story: A major bank's mobile app crashes during peak hours with no vendor support in sight. A credit union's core system update goes sideways, leaving customers locked out for days. A regional bank discovers that their "24/7 support" actually means "leave a voicemail and we'll get back to you Tuesday." Here's the brutal truth most banking executives learn too late: You're not just buying a solution – you're buying a relationship that could either supercharge your institution or slowly strangle it. While your procurement team obsesses over features and price tags, the real question that will determine your success or failure is this: When everything goes wrong at 2 AM on a Friday, who's actually going to answer the phone? I'm joined on the Banking Transformed podcast by Jennifer Gibson, VP of Sales for Primax, who has a front-row seat to both sides of this equation. Jennifer is here to reveal the hidden warning signs that separate true partners from mere sales pitches, the questions banks should be asking but rarely do, and why the most expensive mistake you can make is choosing the cheapest vendor. This episode of Banking Transformed is sponsored by Primax Primax provides community banks with an expansive array of value-added services and customizable solutions to help profitably grow their portfolios and deliver an unparalleled experience to cardholders. With a longstanding commitment to service excellence, Primax has been designing and providing support services for payment card programs for financial institutions throughout the U.S. and the Caribbean for over 40 years. Visit www.primax.us/ for more information

Send us a textBuying a home might be the American dream, but nobody warns you about the secret nightmares lurking beneath those picturesque front yards. In this eye-opening roundtable discussion, three seasoned homeowners pull back the curtain on what really happens after you get those keys.Our special guest host Fiddy welcomes Wendy, a Cleveland-based realtor with dual expertise as both a property professional and homeowner; Collin, whose 1964 house has taught him the true meaning of "fixer-upper"; and Andrea, who discovered the hard way that previous owners don't always disclose raccoon infestations in the ceiling. Their combined experiences offer a masterclass in homeownership reality.The conversation tackles the maintenance schedules nobody tells you about, with Wendy revealing how something as simple as changing furnace filters every two months can dramatically impact your home's efficiency and your health. The panel debates whether renting truly is easier than owning (it's closer than you might think), and shares war stories about the most challenging home projects they've faced—from kitchen renovations that make cooking impossible to landscaping projects that leave you fighting tree roots for days.Perhaps most valuable are the warnings for prospective buyers: Wendy's revelation about those beautiful front yard trees potentially destroying your sewer lines might save you $21,000 in repairs, while Collin's advice to immediately check basements and attics that aren't shown in listing photos could prevent catastrophic surprises. And Andrea's passionate plea to never skip home inspections, regardless of market pressure, resonates with anyone who's ever discovered an expensive problem post-purchase.Whether you're a current homeowner nodding along in painful recognition, a prospective buyer seeking insider knowledge, or someone content with renting who enjoys a bit of schadenfreude, this conversation delivers practical wisdom wrapped in enterSubscribe for exclusive content: https://www.buzzsprout.com/1530455/support Buzzsprout - Let's get your podcast launched!Start for FREEBuddy's Beard CareBuddy's Beard Care provides premium men's grooming products at an affordable price.Sweet Hands SportsElevate your game with Sweet Hands Sports! Our sports gloves are designed for champions,Tactical BrotherhoodThe Tactical Brotherhood is a movement to support America.Dubby EnergyFROM GAMERS TO GYM JUNKIES TO ENTREPRENEURS, OUR PRODUCT IS FOR ANYONE WHO WANTS TO BE BETTER.ShankitgolfOur goal here at Shankitgolf is for everyone to have a great time on and off the golf courseDeemed FitBe a part of our movement to instill confidence motivation and a willingness to keep pushing forwardDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showFollow us on all social mediaX: @mikebonocomedyInstagram: @mikebonocomedy@tiktok: @mikebono_comedianFacebook: @mikebonocomedy

In this episode of Cyber Talks, Greg Crowley and Dwayne Smith delve into the critical role of cybersecurity in mergers and acquisitions (M&A). They discuss how cyber risks can significantly affect company valuations and the challenges that arise during these transactions. Dwayne shares his experiences, highlighting the importance of educating stakeholders about potential security issues that could derail deals. The conversation emphasizes the need for robust security measures, including identity management and threat intelligence, to mitigate risks and ensure successful integrations. Topics discussed include:The impact of security breaches and incidents on M&A valuation and deal termsWhat red flags can derail a merger or acquisition (privacy incidents, regulatory violations, unresolved breaches)The most useful cybersecurity metrics and reports for due diligenceReal-world examples of integrating security tools and policies post-acquisition—and lessons learnedThe role of threat intelligence and dark web monitoring in uncovering hidden riskHow to avoid post-acquisition surprises related to legacy code or unsupported infrastructureTop security investments sellers should make to maximize future valuation--Have a question for us? Reach out: hello@esentire.com---About Cyber TalksFrom ransomware attacks to supply chain compromises, eSentire's Cyber Talks podcast will delve into the world of the latest cyber threats that are impacting businesses globally. Join our team of security experts as we speak with C-level executives and security practitioners about the cyber risks affecting their business and how they're addressing these challenges.About eSentireeSentire, Inc., the Authority in Managed Detection and Response (MDR), protects the critical data and applications of 2000+ organizations in 80+ countries, across 35 industries from known and unknown cyber threats by providing Exposure Management, Managed Detection and Response and Incident Response services designed to build an organization's cyber resilience & prevent business disruption. Founded in 2001, eSentire protects the world's most targeted organizations with 65% of its global base recognized as critical infrastructure, vital to economic health and stability. By combining open XDR platform technology, 24/7 threat hunting, and proven security operations leadership, eSentire's award-winning MDR services and team of experts help organizations anticipate, withstand and recover from cyberattacks. For more information, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.esentire.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@eSentire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Send us a textMany brand owners think the only way to grow is to do more. More products, more orders, more late nights. But being busy and trying to do it all yourself to save money doesn't mean you're building a smarter business.In this episode of the Foodpreneur with Chelsea Ford podcast, I'm joined by two brilliant minds who know how to scale without the chaos - Jason Stockton, founder of the ERP system Supply'd, and Ross Galettis from Madhouse Bakehouse, who's supplying Qantas (and hundreds more) with mouth-watering baked goods.In this episode, we lift the lid on:

This week we are excited to welcome back, Jennifer Butcher from Go Mortgage, a seasoned expert with over 24 years of experience helping people build wealth through real estate. We dive into the often-overlooked financial and emotional costs of renting and why it might be sabotaging your long-term financial goals. Jennifer breaks down the true cost of renting (think $120K over five years with zero return) and sheds light on the wealth-building power of homeownership. We also bust common myths about buying a home, including the idea that you need 20% down or perfect credit. From down payment assistance programs to real-life client success stories, this episode will give you the clarity and confidence to take your next step. If you've been renting and feeling stuck, uncertain, or overwhelmed, this conversation is a must-listen. Let's dive in!  Connect with Jennifer: Follow her on Instagram at @jenniferbutchermortgage   Listen to her podcast: $he Talks Money – available on Apple Podcasts here

In this episode, we feature Michael Parenti, a prominent political scientist and cultural critic, as he delivers a powerful lecture at the University of Colorado Boulder from 1986. Parenti discusses the intricacies of US interventionism, the dynamics of capitalism, and the historical exploitation of the developing world. He challenges conventional narratives about poverty in the Global South, asserting that these nations are not poor but rather over-exploited. Join us as we unpack his insightful analysis of imperialism, capitalism, and the ongoing struggles for social justice that our oligarchs and their political class have not seemed to learn the lessons from 40 years ago, as the stature of the U.S. erodes daily on the world stage, supporting endless war in Ukraine and Palestine, disastrous trade policies, and ongoing hegemonic and regime change operations in multiple countries. Support the Podcast via PayPal https://www.paypal.com/donate/?hosted_button_id=LBGXTRM292TFC&source=url For an extended interview and other benefits, become an EcoJustice Radio patron at https://www.patreon.com/ecojusticeradio Sources: Michael Parenti speaks at the University of Colorado, Boulder: "US interventionism, the 3rd world, and the USSR" April 15, 1986 Yellow Lecture: https://youtu.be/W10QEs-TkhU?si=ZP_D5JNOWpJ_xvuC Michael Parenti Library: https://www.youtube.com/@themichaelparentilibrary/videos Michael Parenti [https://www.michael-parenti.org/] is a U.S. political scientist, academic historian and cultural critic who writes on scholarly and popular subjects. He is the award-winning author of twenty-four books, including The Face of Imperialism (2011) and Democracy for the Few originally written in 1974 with a 9th edition published in 2010: He has taught at universities and has also run for political office. Parenti is well known for his Marxist writings and lectures, and is an intellectual of the U.S. Left. Jack Eidt is an urban planner, environmental journalist, and climate organizer, as well as award-winning fiction writer. He is Co-Founder of SoCal 350 Climate Action and Executive Producer of EcoJustice Radio. He writes a column on PBS SoCal called High & Dry [https://www.pbssocal.org/people/high-dry]. He is also Founder and Publisher of WilderUtopia [https://wilderutopia.com], a website dedicated to the question of Earth sustainability, finding society-level solutions to environmental, community, economic, transportation and energy needs. Podcast Website: http://ecojusticeradio.org/ Podcast Blog: https://www.wilderutopia.com/category/ecojustice-radio/ Support the Podcast: Patreon https://www.patreon.com/ecojusticeradio PayPal https://www.paypal.com/donate/?hosted_button_id=LBGXTRM292TFC&source=url Executive Producer and Host: Jack Eidt Engineer and Original Music: Blake Quake Beats Episode 263 Photo credit: Michael Parenti

We are releasing today a very interesting podcast show which is also breaking news. Before I read an article by Professor Charlotte Haendler of Southern Methodist University and Professor Rawley Z. Heimer of Arizona State University titled “The Hidden Costs of Financial Services: Consumer Complaints and Financial Restitution,” I never knew that the CFPB authorized outside third-parties access to non-public data collected about consumer complaints that it received so that those third-parties could conduct studies. Professors Haendler and Heimer used that data to determine the demographics of complainants who received the most restitution versus the demographics of those who received no or little restitution. The study they conducted is described in the abstract of the article which is available here on SSRN: Financial disputes are a widespread but understudied feature of consumer financial markets. Using confidential data from the Consumer Financial Protection Bureau (CFPB), we analyze nearly two million consumer complaints filed since 2014, which have led to an average payout of $1,470 per successful complaint. The volume of complaints and total restitution have increased substantially over time, suggesting significant scope for additional compensation. When understanding who secures restitution—and why—we find little evidence that differences across firms systematically drive restitution outcomes. Instead, product complexity and consumer engagement play key roles—consumers with higher income and education (high-SES) are more likely to explicitly request refunds, claim fraud, and submit supporting documentation, making firms more responsive. Leveraging previously unexamined CFPB monitoring reviews, where the agency systematically screens company responses and issues confidential reports highlighting deficiencies, we show that regulatory scrutiny increases restitution but disproportionately benefits high-SES consumers, reinforcing individual-specific mechanisms. Our results highlight the complementary nature of regulatory interventions and suggest that financial sophistication and self-advocacy are critical determinants of consumer redress. During the webinar, the Professors answered the following questions: 1.  Why did you conduct an in-depth CFPB consumer complaints study in the first place? 2.  Why did you basically use the CFPB complaint data as a proxy for consumer disputes in the entire industry? 3.  In your paper you mostly focus on the likelihood of a complaint resulting in financial restitution (i.e., some sort of monetary relief for the troubles endured). The title of your paper is “The hidden costs of financial services: consumer complaints and financial restitution”. First of all, what do you mean by hidden costs? 4.  Was the confidential data you received from the CFPB essential in better understanding the mechanisms behind the resolution of these consumer disputes? 5.  Did you find differences in complaint outcomes depending on the type of product involved? 6.  Is there a lot of variation across companies in the likelihood to award financial restitution to a complainant? 7.   Is the likelihood of a complainant receiving restitution more about the complexity of the product and potentially how the consumer relates to it than about there being some rogue companies? 8. Do certain consumer characteristics—like income, education, and even racial and ethnic background—correlate with greater likelihood of financial restitution. 9.   How do consumer characteristics end up influencing the likelihood of restitution? 10.  Does oversight from the CFPB change how firms handle disputes and award financial restitution? 11.  What should regulators, firms, and consumers take away from this research? This is how they answered that question: (a)  It is critical to recognize that the capabilities to navigate the dispute process aren't equal across consumers. (b)  For regulators, we see that scrutiny and nudging alone do not substitute for consumer engagement. Hence the challenge is to design systems that help level the playing field, perhaps by educating the consumer more, or by flagging poorly-articulated but potentially valid complaints for extra review and documentation. (c)  For companies, this study highlights the negotiating power of the consumer in disputes, and how this negotiating power hinges on self-advocacy and financial sophistication. It could also be a wakeup call to consider how certain demographics might be struggling to understand the financial product offered and how to cater to them to reach a greater customer base and higher levels of consumer satisfaction. (d)  For consumers, it's a reminder that being specific, using strong language, and submitting documentation really matters in getting your voice heard. Alan Kaplinsky, founder and former Chair and now Senior Counsel of the Consumer Financial Services Group hosted this podcast show.

A Note from James:When I first said that college was a scam, people thought I was joking—or worse. But I wasn't. If you're 18 and listening to this, don't go to college. And if you're a parent, don't send your kid without doing the math. College doesn't guarantee a better life anymore. In fact, it could cost you years of freedom, tens of thousands of dollars, and saddle you with debt you can't escape. In this episode, Doug Hill and I talk about why the traditional path of “get a degree, get a job, live happily ever after” no longer holds up.Episode Description:In this second installment of the Crazy Finance series, James Altucher and Doug Hill challenge another major financial assumption: that college is necessary for success. James argues that skyrocketing tuition, guaranteed student loans, and outdated curricula make college a bad financial decision for most people. Doug, who sent four kids to college, shares his own experience and ultimately agrees—except in a few key professions.From alternative education paths to trade school opportunities, this episode breaks down the economics and psychology behind one of the most expensive decisions families ever make.What You'll Learn:Why student loan debt is structurally predatory and practically inescapableHow government-backed loans have inflated tuition for decadesWhich professions still require college—and which don'tWhy trade schools and alternative education may offer better returnsHow personal development can happen outside the college systemTimestamped Chapters:[00:00] Don't Go to College (Seriously)[01:00] Why “Personal Finance” Advice Feels Generic[02:00] College as a Scam, Explained[03:00] When College Is Actually Worth It[04:00] Do Doctors Really Need 8 Years of School?[06:00] The Business Degree: What Did It Even Teach?[07:00] Entrepreneurship vs. Education[08:00] The Myth of Higher Earnings[09:00] Remedial Programming After Grad School[10:00] Why Tuition Keeps Rising[11:00] Government Guarantees = No Risk for Colleges[12:00] The Hidden Costs and Opportunity Costs[13:00] Who Actually Benefits From College?[14:00] Trade Schools and Skilled Labor[15:00] Electricians, Mechanics, and the Real ROI[16:00] Useless Courses, Forgotten Skills[17:00] Dropping Out and Getting Ahead[18:00] Sales Skills vs. College Classes[19:00] AI and the Future of Professional Work[20:00] Socialization: Real World vs. Campus[21:00] Google Certificates and Online Education[22:00] James Insults His Alma Mater (Again)[23:00] Who Really Wins in the College System?Additional Resources:James Altucher on Twitter: @jaltucherJames's article archive on college: Altucher Confidential – Why College is a ScamCoursera Professional Certificates (Google, Meta, etc.): coursera.orgKhan Academy (Free Education): khanacademy.orgU.S. Department of Education – College Scorecard: collegescorecard.ed.govTrade School Info & Averages: Trade-Schools.netFederal Reserve Report on Student Loans: federalreserve.govSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ready to grow your clientele & revenue? Download "The 20 Client Generators" PDF now and get instant access to strategies that will fill your calendar with potential clients. No complicated tech, no lengthy processes—just real strategies that work. https://info.patrigsby.com/20-client-generators Do you want to stop chasing leads and start attracting them instead? Get Instant Access To The Weekly Client Machine For Just $5.00! https://patrigsby.com/weeklyclientmachine Get Your FREE Copy of Pat's Fitness Entrepreneur Handbook! https://patrigsby.com/feh  --- Why Nothing is Truly Free: The Hidden Costs of Free Offers in Business In this episode, we delve into the concept that 'nothing is really free,' particularly in the context of offering free trials and services as a business strategy. While free sessions can be an effective way to attract new clients, there's always an opportunity cost involved—for both the customer and the business owner. We discuss the various costs, including time, emotional investment, and potential risks, as well as the long-term financial implications of how you choose to spend your available hours. From the customer's perspective to the business owner's side, the episode explores why free offers are indeed not free and urges thoughtful decision-making about the real costs behind seemingly free propositions. 00:00 The Illusion of Free: An Introduction 00:41 The Hidden Costs of Free Trials 01:00 Opportunity Costs for Clients 01:50 Owner's Perspective: The Cost of Time 03:41 Long-Term Investments vs. Immediate Gratification 04:25 Conclusion: Evaluating the True Cost

It's easy to get caught up in the thrill of an affair, but the hidden costs are immense. Beyond the undeniable moral implications and the pain inflicted on others, an affair is a relentless mental drain. CONQUER SHYNESS

This week's blogpost - https://bahnsen.co/44SfyfP Mastering Your Finances: The Importance of Understanding Expenses In this episode of the 'Thoughts On Money' podcast hosted by Trevor Cummings and his colleague Blaine Carver, the duo delve into the intricacies of managing and understanding expenses. They emphasize the importance of recognizing different types of expenses, including small, big, recurring, and one-time expenses, and introduce a new category called collateral expenses. The discussion aims to provide listeners with practical insights on how to categorize their expenses effectively, understand their spending patterns, and ultimately strengthen their financial plans. Listeners are advised to study their top expenses, consider collateral costs, use aggregation tools to get a full picture of their finances, and ensure they are not making repeated financial mistakes. The episode concludes with wisdom on using past financial experiences to guide future decisions. 00:00 Introduction and Podcast Theme 00:24 Understanding Expenses: An Overview 02:49 Small Expenses: The Big Debate 09:49 Big Expenses: The Real Game Changers 17:19 Recurring Expenses: The Hidden Costs 21:26 Understanding Collateral Expenses 22:29 The Domino Effect of Home Purchases 23:24 Hidden Costs of Vacation Rentals 26:40 The Reality of One-Time Expenses 30:09 The Importance of Budget Buffers 34:07 Learning from Financial Mistakes 38:41 Final Thoughts and Practical Advice Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

Join our champion program: mark@themomentumcompany.comAttend a Thriving Leader event: https://www.themomentumcompany.com/thrivingleader2025Instagram: @the.momentum.companyLinkedIn: /momentum-companyIn this eye-opening Intentional Agribusiness Leader episode, Mark and Cowboy Coach Jon Anderson expose the shocking data behind why most corporate training fails and reveal the exact framework successful companies use to get measurable results from their people development investments.WHAT INTENTIONAL TRAINING BUYERS DO DIFFERENTLYStop These Training Mistakes:● Investing in training without clear learning objectives or measurable outcomes● Using the cookie-cutter approach - putting everyone through the same program regardless of need● Buying training reactively to symptoms instead of addressing root causes● Never measuring if training actually changed behavior or delivered ROI● Tolerating "death by PowerPoint" sessions that disengage your teamStart These Results-Driven Behaviors:● Setting specific, measurable learning objectives before any training investment● Identifying who actually needs training and filtering participants strategically● Connecting training to clear business drivers and expected behavioral changes● Implementing measurement systems to track behavior change and ROI● Expecting minimum 4:1 return on investment from every training dollar spentTIMESTAMPS/CHAPTERS:0:00 - Welcome to Intentional Agribusiness Leader0:30 - Why Training Gets Bought Reactively2:23 - How to Buy Training Intentionally3:36 - Training Effectiveness and Engagement Challenges5:45 - Death by PowerPoint Must Stop8:25 - When Corporate Training Becomes a Social Event9:38 - The Hidden Costs of Bad Training11:12 - The $85 Billion Training Market Reality13:19 - 67% Buy Training Without Clear Objectives15:18 - Why Most Training Gets Bought Reactively17:12 - The Missing ROI Measurement Problem19:18 - How to Enhance, Keep, and Train Out Behaviors21:32 - 58% Never Measure if Training Changed Behavior22:26 - Expect Minimum 4:1 ROI from Training24:19 - 84% Use Cookie Cutter Training Approach25:16 - AI-Powered Assessment Solutions28:00 - Hyper-Personalized Learning Plans Coming SoonFOR:✓ Business leaders tired of wasting money on ineffective training programs✓ Managers who want to see actual ROI from their people development investments✓ Anyone frustrated with "death by PowerPoint" corporate training sessions✓ Leaders ready to move from reactive symptom-fixing to strategic people development✓ Companies seeking measurable behavior change and business results from trainingDECISION POINT:Stop buying training reactively without clear objectives. Start measuring what matters and expect minimum 4:1 ROI from every training investment.This Week's Challenge: Before your next training purchase, sit down with your leadership team and define: What behaviors need to be enhanced? What needs to stay? What needs to be trained out? Then measure the results 6 months later.If you're ready to stop wasting money on ineffective training and want to see how hyper-personalized learning plans can transform your organization, email mark@themomentumcompany.com to learn about our new strategic learning design process.

Alexander Alvord is an architect, strategist, and founder of a thriving user community. Nutanix is a global leader in cloud software, offering organizations a single platform for running apps and data across clouds. In this episode, KJ and Alexander delve into the issues of cloud bloat, inefficiencies from vendor lock-ins, and the importance of FinOps. Alexander also shares his personal journey and passion for technology and multi-cloud strategies. Learn about the challenges and innovations in making cloud services more efficient and user-centric. Episode Highlights: 01:55 The Hidden Costs of Cloud Bloat 07:39 Impact on Organizations and Productivity 16:10 Solutions to Cloud Bloat 27:58 Nutanix's Approach and Future Vision Quote of the Show (18:00): "Multiple clouds does not equal Multi-cloud." - Alexander Alvord Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Alexander Alvord: LinkedIn: http://www.linkedin.com/in/alexalvord Company Website: https://nutanix.com How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Millions across the country are being affected by severe weather, from flood watches to heat waves. Also, President Trump continues to face pressure from members of his party over the release of the Jeffrey Epstein files. Plus, the murder trial begins for the Colorado dentist accused of poisoning his wife's protein shakes. And ‘sneak-flation'—how to spot it and how to avoid it on your grocery bill.

Roger welcomes Lord Daniel Hannan, a British writer, historian and member of the UK House of Lords, for a wide-ranging conversation on executive overreach, constitutional principles and the ideas that preserve liberty.They explore how power has steadily concentrated in the hands of presidents and prime ministers, weakening the roles of legislatures and citizens alike. They also reflect on what America borrowed and improved on from British political traditions through its written Constitution, and consider how both nations risk forgetting the foundations of their freedom. Other topics include the aftermath of Brexit, the future of free trade and why humility and historical awareness are essential for effective governance in the 21st century.Lord Daniel Hannan serves as international secretary of the Conservative Party, is the founding president of the Institute for Free Trade, a New York Times bestselling author and a former Conservative member of the European Parliament. He was also the keynote speaker this year at TFAS's annual Neal B. Freeman Lecture, which discusses the principles of a free society, free markets, personal responsibility and virtue.The Liberty + Leadership Podcast is hosted by TFAS president Roger Ream and produced by Podville Media. If you have a comment or question for the show, please email us at podcast@TFAS.org. To support TFAS and its mission, please visit TFAS.org/support.Support the show

Learn to conquer decision fatigue and elevate your performance by adopting strategies used by top leaders in high-pressure environments. Top 3 Highlights: ✅ Systematize small, repetitive decisions to conserve mental energy.

In this conversation, Omari Richins, MPH, discusses the implications of the One Big Beautiful Bill, highlighting its detrimental effects on public health, Medicaid, SNAP, environmental protections, and higher education. He emphasizes the interconnectedness of these issues and calls for collective action to advocate for health equity and community well-being.

In this episode, we sit down with Christian, a top-tier healthcare recruiter and the mind behind one of the largest LinkedIn communities for rehab professionals (170K+ members). Christian pulls back the curtain on what really drives hiring success for physical therapy clinics — and what's quietly sabotaging it.If you're a PT clinic owner, healthcare manager, or even an overwhelmed therapist stuck doing HR between patients, this episode will change the way you look at recruiting forever.

In this episode, I'm sharing a personal journey I've been on to reclaim my time, focus, and presence—and how I've been using the Roots App to set healthier boundaries around screen time. If you've ever found yourself mindlessly scrolling through your phone, feeling distracted even when you're with your family, or constantly bouncing between apps and tasks, this episode is for you. I talk openly about: My own struggles with screen overuse (especially in motherhood) Why our phones are wired to pull us in (and how it's not your fault!) The link between screen time and mental health, productivity, and even parenting What I've learned from the Roots App and how it's helped me retrain my brain Why presence—not perfection—is the real goal We also dive into some eye-opening research, including the “switch cost” effect, the Rat Park study, and how being bored again might actually be the secret to living a more meaningful life. If you're craving more focus, clarity, and intention in your day-to-day—this episode will speak to you. Thank you to Roots App for sponsoring this episode! This app has been a game-changer for helping me reduce screen time, be more present with my kids, and live more aligned with what actually matters.

What's really draining your business and your wallet? Paul H. Flowers Jr.—author, strategist, and faith-driven leader—pulls back the curtain on the hidden truths behind healthcare, leadership, and money. Walk away with powerful lessons on resilience, reinvention, and how to claim financial and personal freedom on your own terms.

AI is evolving fast, but the economics are breaking down. RK Anand, co-founder of Recogni, reveals the hidden crisis inside AI's explosive growth.RK has spent his career building technology to power AI systems. From tokens to compute, he exposes the challenges in scaling AI profitably, and what it takes to fix the system.In this episode, RK shares:▫️ Why AI's "token economy" no longer works▫️ The real reason AI models are getting 100x more expensive▫️ What it means when compute demand skyrockets▫️ How to build AI infrastructure that won't break the bank▫️ Why energy and power are the biggest bottlenecks for AIIf you want to understand the real cost of AI, this is a must-watch.Follow more of the Liftoff with Keith:- Spotify: https://open.spotify.com/show/3cFpLXfYvcUsxvsT9MwyAD- Apple Podcasts: https://podcasts.apple.com/us/podcast/liftoff-with-keith-newman/id1560219589- Substack: https://keithnewman.substack.com/- LinkedIn: https://www.linkedin.com/company/liftoffwithkeith/- Newman Media Studios: https://newmanmediastudios.com/For sponsorship inquiries, please contact: sponsorships@wherewithstudio.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Profits are up, customers seem happy, and you're putting in the hours—but something still feels off. What might be quietly draining the bottom line, even when everything seems to be running smoothly?In this new lesson, Omar breaks down the three hidden costs that could be silently eroding your business profits. You'll learn not only how to spot these threats, but also exactly what action steps you need to take to stop the leaks and boost your margins.Ready to uncover what's really holding your business back? Hit that play button up top to get the practical strategies you need to protect your profits and make every effort count.Download the P&L Sheet here: Download LinkWatch the episodes on YouTube: https://lm.fm/GgRPPHiSUBSCRIBEYouTube | Apple Podcast | Spotify | Podcast Feed

Healthcare churn—when people switch insurance plans—is particularly bad in the US. In today's episode, why Americans switch healthcare plans so much, and how that can cost a lot in money ... and in health.Related episode: How doctors helped tank universal health care (Apple / Spotify)Healthcare And Economic DespairFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org.Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy