Podcasts about hysa

“Keeping all of your money in your bank account is actually more risky than it is safe.” Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets. You'll learn the difference between cash vehicles (HYSA, CDs, Treasuries) and assets (stocks, real estate, gold, crypto), how to set up separate accounts for emergencies, big purchases, and investable cash, and the simple passive/active strategies to actually grow wealth. What You'll Learn The problem with low-yield savings when inflation is higher How much to keep in cash (and where to keep it) for: Emergency fund (3–12 months of expenses) Big purchases (house/car/vacation) “Dry powder” for investing Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs) Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit) Investing approaches: Passive: ABB: Always Be Buying (index/ETF habit) Active: research-led buys while idle cash earns interest Chapters 00:00 Hook: Why big bank balances lose you money 01:18 Cash vs. assets (and why cash isn't an “investment”) 04:05 Rates, inflation, and your real return 07:20 Where to park cash: HYSA, CDs, Treasuries, ETFs 10:42 The 3 reasons to save (emergency, big purchase, invest) 14:50 How much is enough: 3–12 months explained 18:22 Passive vs. Active investing (ABB + research) 22:10 Putting it together: your cash + investing game plan 25:30 Final word & resources Keywords: how much cash to keep, emergency fund 3 to 12 months, high yield savings vs treasury, cash vs assets, beat inflation 2025, ABB always be buying, passive vs active investing, index funds VTI SPY QQQ, treasury ETF basics, inflation and savings, Minority Mindset #personalfinance #investing #inflation #savings #wealthbuilding #MinorityMindset Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Quint and Allie talk through the difference between a money market account and high yield savings account. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

La UIF congeló cuentas, bloqueó operaciones y abrió expedientes contra 13 casinos y Washington contra los de los Hysa, que operan casinos, alimentos, rentas, servicios y logística

#EUA sancionó a 10 casinos en #México por lavar dinero a grupos criminales mediante pagos ilícitos y esquemas para evadir controles. También castigó a la familia #HYSA, cuyo grupo de restaurantes habría servido como fachada para lavar ganancias.See omnystudio.com/listener for privacy information.

UIF amplía bloqueo a 31 personas y empresas ligadas a red criminal internacional  Autoridades federales refuerzan estrategia del Plan Michoacán por la Paz  CNTE amenaza con boicot al Mundial 2026Más información en nuestro Podcast

In this conversation, Luzy discusses the significance of high yield savings accounts as a financial cushion during uncertain times. She emphasizes their role in providing access to funds when regular income is disrupted and highlights their importance in building a foundation for generational wealth.What you'll learn:00:00 Introduction to High Yield Savings Accounts00:08 Building Financial Safety with Savings00:43 Factors Influencing High Yield Savings RatesIf you want to open a HYSA with my favorite bank feel free to use my affiliate link: https://www.ally.com/referral?code=7S4J6Y5M5Z&CP=MobileAppReferFriendSubscribe to the Cash Libre Newsletter today: www.sayholawealth.com/hola Hosted on Acast. See acast.com/privacy for more information.

I ftuar në studion e “Live From Tirana” me Ronaldo Sharkën, ka qenë boksieri i njohur Nelson Hysa, kampion i Shqipërisë në peshat e rënda. Prej vitesh na ka bërë krenarë me arritjet e tij në këtë sport, Nelson Hysa ka folur më shumë në këtë intervistë për sukseset e tij, fillimet e karrierës, procesin e përgatitjes për ndeshjet e jo vetëm…

In this episode we answer emails from Jess, Phil and Scott.  We discuss an experience of setting up a sample RPR portfolio for one's self, using asset swaps to manage cash, and fun with the low bar standards and other inadequacies of many financial advisors.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapBigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Excess Returns Podcast With Rick Ferri (forward to minute 49):  Most Never Escape Stage 3 | Rick Ferri on How You Can Beat the Complexity TrapBreathless Unedited AI-Bot Summary:Tired of being told that everything beyond a three-fund portfolio is “too hard”? We pull back the curtain on practical tools that make DIY investing simpler in practice, not smaller in ambition. Starting with a listener's test portfolios, we show how hands-on experience beats theory, why diversification means loving today's winners and tomorrow's comebacks, and how to turn rebalancing into reliable cash flow.We go deep on asset location and the overlooked power of asset swaps. By “selling here, buying there,” you can keep your overall mix unchanged while moving ordinary income into tax-deferred accounts and positioning equities in taxable for qualified dividends and capital gains. If you've been parking big cash balances in a HYSA and wondering why your tax bill keeps creeping up, this segment is your blueprint for tax efficiency without extra risk.Then we tackle withdrawal rates with clear eyes. Many advisors still anchor to 3 percent for retirees in their 60s. We explain why diversified, risk parity style allocations can responsibly target closer to 5 percent over long horizons, especially when you harvest from strength. Case in point: trimming gold after a powerful run to fund November distributions across our sample portfolios. We share market snapshots, what's leading and lagging, and how a rules-based process keeps emotion out of the driver's seat.If you want an investing plan that funds a life—relationships, experiences, generosity—rather than an accounting hobby, this conversation is your on-ramp. Subscribe, share with a friend who needs a nudge to start that test portfolio, and leave a review telling us your target withdrawal rate and why.Support the show

"...But what about the taxes??"In this episode, I'm breaking down exactly how taxes work when you invest through a brokerage account, especially if you're building wealth outside of retirement.If you've ever asked: ➡️ “What are the taxes like on a brokerage account?” ➡️ “Will I owe a big tax bill if my investments grow?” ➡️ “Is a brokerage account even worth it if I have to pay taxes?” ...this episode is for you.We'll cover: ✅ The difference between earned vs. unearned income ✅ How dividends and capital gains are taxed ✅ When you do and don't owe taxes (spoiler: not when your investments go up) ✅ Why brokerage accounts are still powerful even if they're taxable ✅ How I passively made $7,000 in six months and how taxes didn't stop that winWhether you're worried about getting hit with surprise tax bills or just want to make a smart move with the money sitting in your HYSA, this episode will help you understand what's actually true, so you can grow your money with confidence.

Bohemians FC goalkeeper and captain Rachael Kelly and manager Alban Hysa chat to our own Ben Symes at Tallaght Stadium ahead of the Women's FAI Cup Final vs Athlone Town on Sunday. LOI on Off The Ball is brought to you by Rockshore 0.0 #LOI

Çdo mëngjes zgjohuni me “Wake Up”, programi i njëkohshëm radio-televiziv i “Top Channel” e “Top Albania Radio”, në thelb ka përcjelljen e informacionit më të nevojshëm për mëngjesin. Në “Wake Up” gjeni leximin e gazetave, analiza të ndryshme, informacione utilitare, këmbimin valuator, parashikimin e motit, biseda me të ftuarit në studio për tema të aktualitetit, nga jeta e përditshme urbane e deri tek arti dhe spektakli si dhe personazhe interesantë. Zgjimi në “Wake Up” është ritmik dhe me buzëqeshje. Gjatë tri orëve të transmetimit, na shoqëron edhe muzika më e mirë, e huaj dhe shqiptare. 

In this episode of The Personal Finance Podcast, Andrew answers 15 listener questions ranging from Solo Roth 401k strategies and crushing $117,000 in student loans to whether a 19-year-old should build credit and how to pass brokerage accounts to your kids without tax headaches. He covers retirement account drawdowns, traditional versus Roth decisions based on tax brackets, why high-fee mutual funds usually lose to ETFs, and whether you should sell when investments jump 15%—delivering straight answers to the money questions keeping you up at night. Today we are going to answer these questions!  Solo ROTH 401K: should I max out ROTH employee side before employer pre-tax side? Or split? How long can I leave my 401k in Fidelity before needing to roll it over to a new employer's plan?If I haven't maxed out my Roth IRA, would it still make sense to open a brokerage account? I've maxed out my IRA for the past 3 years. Should I contribute more to my 457B? How can I pay off $117k of high interest student loan debt and stay motivated? Should I start a Roth IRA for my grandkids now or start them an index fund? They're 5. I'm 19 with $20k+ invested, should I start building credit? I have 2 investments — mutual fund (high fee), ETF (low fee). Both high return, should I stop the mutual? How should I go about drawing down accounts when I begin retirement? At age 30, approx what income does it make sense to invest in traditional vs Roth 401k? Should I “lock profit” every time my ROI hits >15%? Or should I leave it? (Reinvesting will 3% fee) How do you pass on a taxable brokerage account to your son? We're coast FI. Should I just do 401k until employer match and add to brokerage as a bridge?Why money market over HYSA for high yield earners? How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: 10 Ways to Prevent Identity Theft (and What to Do if it Happens to YOU!) How to Protect Your Finances Online (And Prevent Getting Scammed!) How to Protect Your Finances Online (Right Now!) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you making the same financial mistakes that keep millions living paycheck to paycheck? In this episode, I break down the 5 biggest financial regrets destroying American dreams - and how to fix them TODAY.What You'll Learn:✅ Why 43% of people KNOW their mistakes but do nothing✅ The Financial Recovery Method (5 steps to turn it around)✅ Real tools and apps to start building wealth todayToday's show is sponsored by Better Help!Get 10% off your first session:

In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Americans, income thresholds where traditional 401ks beat Roth options (24-30% marginal rates), saving for kids' expenses using the five-year investment rule, emergency fund storage as rates drop, and comprehensive pension planning beyond just relying on guaranteed payments. Today we are going to answer these questions: Do you get taxed when moving money from one investment to another inside the same account? How does tax-loss harvesting work? Most retirement rules I've seen state that you want 75 to 80% of your pre-retirement income. Is that before or after taxes? Should you max out a Roth 401(k) in the first quarter of the year because of the lower marginal tax rate? At what annual income should someone avoid a Roth 401(k) and do traditional for tax purposes? Putting money away for kids' wedding, cars, etc.—for when they get older. HYSA or brokerage? What are the best high-yield ways to store an emergency fund? How to plan for retirement with a pension?   How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode:  tax loss harvesting,  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel   Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

You can't save your way to rich. Saving is crucial for financial security and short-term goals, but it's usually not enough to build wealth. Which is why, when it comes to building wealth, there's a general order of operations. Peter with Richon Planning and Erin Kennedy break down that order, which is:    1. Get that 401(k) match 2. Build your emergency fund in a HYSA 3. Max out your Roth IRA. 4. Max out your HSA and 401(k) 5. Invest outside retirement   That being said, while this order is a great rule of thumb, it might not be right for you. Depending on your unique goals and investing opportunities, your list might be a bit different. To learn how and where you should be investing, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com    

Transfery w Serie A, hit czy kit? Który z klubów pracuje najlepiej, a który jest w tyle za rywalami? Napoli, Inter, Juventus, Milan, Roma i inne kluby: jak się wzmacniają i czy liga włoska za bardzo stawia na recykling piłkarzy po 30-stce? Zapraszają: Marcin Nowomiejski i Łukasz Hysa.

This week Georgia Lee Hussey of Modernist Financial joins to break down the challenges and solutions for affording elder care, especially as it may fall on adult children to pay for their parents' expenses. Read more about this topic in The New York Times.Join FarnooshBTS.comFind a HYSA at SoMoneyLinks.com

In this episode, we sit down with Carrie Scott, Financial Advisor with Cetera Investors, to talk about building real, sustainable wealth as a creative business owner. Whether you're a hairstylist, solopreneur, or growing your side hustle, this conversation is packed with approachable tips on setting up financial systems, the biggest mistakes creatives make with money, how to plan for slow seasons and long-term wealth, shifting from hustle mode to intentional money moves. Carrie breaks down complex topics with warmth, clarity, and zero judgment. This is the episode every creative didn't know they needed.   Find Carrie Scott here: website: https://scottwealthmgmt.ceterainvestors.com/ or feel free to contact by email. Carrie recommends you read this book Our 6 figure stylist guide here: https://view.flodesk.com/pages/622541789b7136a9e313da40  Key Take-aways: 1. You can open a RothIRA for your working child to help them get started with their long term wealth building. 2. As a small business owner, look over your spending and income month to month & start with an emergency fund. 3. Set yourself up for success by putting yourself first and start investing for your future plan. 4. Would you rather pay yourself or the IRS? 5. The average age that someone starts to invest in their future is 40. Imagine what it would look like to start earlier. 6. Start with the end in mind. Have the final number you want to retire with and get clarity on what you should be putting away. 7. Monthly installments can help over the one lump sum to accrue interest over 8. Get the mindset of how you'll start your investment; short, medium, or long term for the best success.  9. Debt accrual is a financial killer and can hold you back from moving forward. Do you want to sacrifice now or later? 10. Index means the money is split between all companies. 11. Investing into a mutual fund or ETF is a safe way to invest. 12. A Simple IRA maxes at $16,500 for the year 2025 if you're under 50 & have at least 1 employee. There is no cost to set it up, and the employer has to match up to 2%. 13. SEP IRA is for a solo $70k per year or 25%. 14. Both Simple & SEP IRA's have matching as well as separate requirements.  15. If you put $300 away in an investment account, you're not actually putting away $300 because $80-100 would have been counted toward taxes, so your check looks like it drops closer to $200 instead. 16. Financial advisors not only help you with choosing how to invest in the right type of account to fit your needs a goals, they also help you come up with a plan to pay off debt, save, and get to your goals faster. 17.Short term typically don't have fees & don't pay much, intermediate (5+ year goal) mutual funds which compounds over time, but you don't have to be 59 ½ before you can touch the money. Long-term don't touch until you're 59 ½  18. IRS charges a 10% fee if you take money out prior to 59 ½  19. Annuities you don't have an age limit when you want to take money out of an account. You only pay taxes for the income, and it's a nice way to build a legacy and pass over the generations. 20. You have to take income at the age of 73 on your IRA. 21. CDs and HYSA (high-yield savings account) interest payments and terms change all the time. Email & text marketing is the quickest way to increase your income and GlossGenius has AI support to make this as simple as clicking a button! Try it out for 2 weeks FREE: https://glossgenius.biz/AmbrosiaCarey Get 15% off Pharmagel, our favorite skincare line with code SSA15: http://www.pharmagel.net/discount/ssa15?redirect=%2F%3Fafmc%3Dssa15  

You don't need to save every dollar in cash to buy a home. In this episode, I'll show you how to build your down payment with a blend of saving and investing so you can reach your goal faster without risking your money or pausing your wealth building.We'll cover:How much you really need for a down payment (hint: not always 20%)The difference between short-term saving vs. mid-term investingHow to split your savings between a HYSA and low-risk investmentsIf you want to buy a home and want to grow your downpayment strategically by investing, this episode is for you!1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠Book a free call her to learn more about 1:1 money coaching.

Të ftuar në emisionin “Vitality Vibes” në Top Albania Radio këtë javë në studio me Ilvi Begollin kanë qenë boksieri i njohur Nelson Hysa, kampioni i Europës dhe kirurgu Maxilo-Facial, Aldo Vangjeli. Përpos profesionit të tij ai ka edhe pasion sportin, doktori është edhe një nga mjekët kryesor të të gjithë ekipeve kombëtare të të gjithë ndeshjeve zyrtare të Federatës Shqiptare të Futbollit, UEFA Development dhe ndeshjeve që ne kemi në nivel ndërkombëtar.

We're taking some time to highlight some of our best Gymsplain Episodes, like this one detailing exactly what an emergency fund is and why everyone needs one! Life throws curveballs when we least expect them, and having a safety net can make all the difference. But what exactly is an emergency fund, and why should you have one? We'll break it down in simple terms and show you how these funds can be your financial cornerstone in times of crisis.  From unexpected medical bills to car repairs that catch you off guard, having an emergency fund is crucial. Garrett and Sam will guide you through the process of determining the right amount to save based on your budget, where to keep your emergency fund, and discuss saving vs. paying down debt.   For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.   Resources  BFF Approved High-Yield Savings Accounts  When Should You Use Your Emergency Fund   How to Save Your First $1000 in Emergency Savings   How to Build an Emergency Fund and Why You Need One    Meet The Trainers  Meet Garrett Faulconor, Level 3 Certified Financial Trainer  Meet Sam Cash, Level 2 Certified Financial Trainer      

Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead.You'll learn:Why experts now recommend a 12-month emergency fundHow to separate wants vs. needs when calculating your savings targetWhy investments ≠ emergency savings (and what to do instead)5 practical strategies to build your fund faster—without burnoutHow to turn a daunting goal into doable milestonesWhether you're starting from scratch or leveling up, this episode gives you a clear, no-fluff plan to create real financial security in uncertain times.Listen now and take the first step toward peace of mind and real financial freedom.Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.Notes from the show:Ready for your own HYSA, use our Ally link Open your high yield account with Wealthfront

Want to make your savings work harder for you without lifting a finger? In this episode, we're taking it back to basics and discussing High-Yield Savings Accounts (HYSAs)—what they are, why they matter, and how they can help you grow your emergency fund and sinking funds faster than a traditional savings account. If your money is sitting in a regular savings account earning pennies, it's time to upgrade! I'll cover why HYSAs are a game-changer for savings, how to use them strategically for financial goals, and the difference between an emergency fund (for life's unexpected hits) and sinking funds (for planned expenses like car repairs and vacations). Plus, you'll get motivated to open your HYSA today so you can start earning higher interest ASAP. Don't let your hard-earned cash sit idle—tune in and take action! Open your HYSA through Wealthfront with this link for an additional 0.50% boost to your APY for 3 months: https://www.wealthfront.com/c/affiliates/invited/AFFD-4T9D-S98P-EC65 Are you just beginning your journey to financial independence and want to learn more? Download your FREE copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway Keywords: physician associate , physician assistant , physician assistant financial independence , physician associate financial independence , physician assistant finances , physician associate finances , physician assistant finance , physician associate finance , physician assistant money , physician associate money , physician assistant school , physician associate school , PA school , PA-S , PA-C , pre-PA , physician assistant student , physician associate student

In this episode of Money on My Mind, I answer Bowen Bergenfield's question: “Should you invest or use a high-yield savings account (HYSA) for a big purchase?” I break down the decision using S&P 500 historical data, explain the 5-year rule for saving vs. investing, and share my experiences to help you make the best financial choice.   This episode is all about using index funds for short-term goals, and why it's usually better to stick with high-yield savings accounts (HYSAs) if you're planning for anything less than 5 years out. We're diving into the data to help you make the most of your savings and minimize risk when you're saving up for something big.   Key Talking Points of the Episode   00:00 Introduction 01:17 The 5-year rule: Why 5 years is the tipping point for saving vs. investing 02:18 S&P 500 historical risk and return from 1926 to 2024 04:18 The risk of having 1 in 4 chances of losing money in a one-year period 05:59 Why it makes sense to invest long-term 07:16 What you can use your HYSA for 08:02 When to consider alternatives like CDs for short-term goals   Quotables   “For any goal under five years, I always use a high-yield savings account—no question.”   “If you need the money in the next few years, don't gamble it. Protect it in a safe account.”   “Focus on your goal, stay disciplined, and don't try to outsmart the market for short-term savings.”   Links https://bookwithbudgetdog.com/ped Budgetdog https://budgetdog.com

*previously recorded on 03/15/24, but still relevant* Last week we talked about creating quarterly financial goals with a fun activity, and we thought it would be a good time to also revisit your risk tolerance with this episode we did on the “risk pyramid.”At the time of recording, The Fed still didn't cut interest rates, but projected they would 3 times, so it was a great time to lock in the higher rates that we saw in fixed income securities (bonds, etc) up until several months ago. Did you notice your HYSA interest rate has come down since then? We did prepare you for that, so if you're not able to stay updated on everything going on in the markets and with The Federal Reserve, you might want to subscribe to the podcast.

High-yield savings accounts (HYSAs) are creating buzz in the business world, and for good reason! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., dives into how high-yield savings accounts can help business owners make the most of their cash reserves. With action steps you can take today, Danielle lays out how to use HYSAs as a smart, low-risk tool for growing your money while still keeping it accessible. Have your money work for you as it sits in savings!  Key Takeaways:  What is a High-Yield Savings Account (HYSA): Danielle explains how HYSAs differ from traditional accounts and why they're a smart choice for short-term savings, earning you hundreds, or even thousands, of dollars in interest with minimal effort. Key Considerations When Choosing an HYSA: Transfer times: How long it takes to move funds back to your checking account. Transaction limits: Planning around monthly withdrawal caps to avoid penalties. FDIC insurance: Ensuring your money is protected. Common Pitfalls to Avoid:  Why your account name matters for proper accounting and legal compliance. The difference between business and personal savings and how to ensure you're staying tax-compliant. Action Steps: Open a high-yield savings account for your business if you haven't already. Ensure your account is in the correct name (business or personal) based on your savings purpose. Review your current cash savings strategy and evaluate your options to choose an HYSA that aligns with your financial goals. Topics Discussed: What is a High-Yield Savings Account (HYSA)? (00:00:23 – 00:01:10) Benefits of HYSAs for Business Owners (00:01:10 – 00:02:03) Choosing the Right HYSA (00:02:03 – 00:03:30) The Financial Impact of HYSAs (00:03:30 – 00:04:24) Proper Use and Compliance Tips (00:06:24 – 00:09:05)   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

High-yield savings accounts (HYSAs) are creating buzz in the business world, and for good reason! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., dives into how high-yield savings accounts can help business owners make the most of their cash reserves. With action steps you can take today, Danielle lays out how to use HYSAs as a smart, low-risk tool for growing your money while still keeping it accessible. Have your money work for you as it sits in savings!  Key Takeaways:  What is a High-Yield Savings Account (HYSA): Danielle explains how HYSAs differ from traditional accounts and why they're a smart choice for short-term savings, earning you hundreds, or even thousands, of dollars in interest with minimal effort. Key Considerations When Choosing an HYSA: Transfer times: How long it takes to move funds back to your checking account. Transaction limits: Planning around monthly withdrawal caps to avoid penalties. FDIC insurance: Ensuring your money is protected. Common Pitfalls to Avoid:  Why your account name matters for proper accounting and legal compliance. The difference between business and personal savings and how to ensure you're staying tax-compliant. Action Steps: Open a high-yield savings account for your business if you haven't already. Ensure your account is in the correct name (business or personal) based on your savings purpose. Review your current cash savings strategy and evaluate your options to choose an HYSA that aligns with your financial goals. Topics Discussed: What is a High-Yield Savings Account (HYSA)? (00:00:23 – 00:01:10) Benefits of HYSAs for Business Owners (00:01:10 – 00:02:03) Choosing the Right HYSA (00:02:03 – 00:03:30) The Financial Impact of HYSAs (00:03:30 – 00:04:24) Proper Use and Compliance Tips (00:06:24 – 00:09:05)   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Join Jen Carlson as she shares the faithfulness of God through life's trials and encourages simple, heartfelt hospitality. Even if you're not a natural planner, Jen offers easy practical tips for creating simple yet delicious recipes that can feed a crowd. Jen gives advice on creating a welcoming space with interior design ideas, cozy lighting, and good music. Plus, she shares how her hospitality influencers inspired her along the way. You'll be inspired too! We're so glad you're here!  Visit www.comeoverfordinner.com for recipes, product links, and more!

¿Tu dinero está perdiendo valor en una cuenta de ahorros tradicional? En este episodio te explico todo lo que necesitas saber sobre las High-Yield Savings Accounts (HYSA): cómo funcionan, sus beneficios, y por qué son una excelente alternativa para optimizar tus ahorros sin asumir grandes riesgos. Descubre: Qué es una HYSA y cómo maximiza el rendimiento de tu dinero. Cómo elegir la mejor opción en el mercado actual. Las diferencias clave entre una cuenta tradicional y una de alto rendimiento. Consejos prácticos para dar un empujón a tu colchón financiero. Si buscas una forma inteligente de proteger y rentabilizar tu fondo de emergencia o dinero de corto plazo, este episodio es para ti.  Optimiza tus ahorros, supera la inflación y haz que tu dinero trabaje por ti.

We review two listener case studies, share their financial situations and backgrounds, and answer their questions about how to move forward with their finances.  Andrew joins this week's podcast as we talk about: - If you should renew a term life insurance policy in your 70s - The importance of accessing your 401K and other retirement accounts and understating what you're invested in - Whether or not you should pay for your house - What to do if you feel behind on your finances - Running a retirement calculator to see when you could potentially retire - Investing in a HYSA vs. stocks when you're in your 70s - What to do if you're too cash-heavy - How to get started with a 529 plan - The tradeoff of buying a larger home or retiring earlier - High-yield savings accounts, maxing out your 401Ks, and more!  Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/087-case-studies-where-to-focus-when-youre-feeling-investing-life-insurance-and-paying-off-your-mortgage-in-your-70s/

Hi Besties! Search THE FIRST MILLION PODCAST on YouTube for visual episodes!Socials //Instagram + Tiktok (Coaching/Business) : @Emilywoods_coachingInstagram + Tiktok (podcast) : @thefirstmillion_podcast IG + TT (Personal): @emilyclairewoods Book a free 30 minute strategy call with me: https://calendly.com/emilywoodswellness/free-30-minute-strategy-call-with-emLooking for an entry point into online health coaching? Use the code EMILYCOACHING for $750 off your MindBodyGreen Health Coach Certification enrollment through this link: https://institute.mindbodygreen.com/health-coach-certification All courses + Resources: https://linktr.ee/emilywoodswellness 

Join Chris Kaminski & Hao Dang as they discuss:➡️Longshoremen union still holding out➡️Tesla's robo taxi➡️Social Security tax limits for 2025➡️Boeing lays off 10% of workforce➡️High-yield savings dropping like a rockTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Whether you're Type A and love having every detail planned, or Type B and prefer going with the flow, this episode is packed with practical tips on how to handle those unexpected expenses without turning to your “emergency” credit card. * Eileen shares her personal experiences of home repairs, surprise expenses, and how shifting to an emergency cash mindset can help you avoid unnecessary debt. * You'll learn why having a fully stocked emergency fund is critical for financial peace of mind, along with five easy steps to get started. * Plus, Eileen reveals why using a high-yield savings account (HYSA) is the smartest move to help grow your savings faster. * Listen in as she offers straightforward advice to ensure you're ready for whatever life throws your way—without burning through your savings or stressing about interest rates. * 1:1 Financial Coaching Free Consultation https://momswhomoney.com/1-1-consulting  * 90-Minute Financial Power Session https://calendly.com/momswhomoney/90-minute-financial-power-session  * FREE Guide: 5 Steps to Save $1,000 This Month www.momswhomoney.com/save * Get to know Eileen CFEI® CFLP℠ https://www.momswhomoney.com  https://www.instagram.com/eileenjoymoneycoach/ https://www.facebook.com/EileenJoyMoneyCoach/ https://www.linkedin.com/in/momswhomoney/  

Today's episode features Liran Eliner from Cache AI. Cache is a modern personal finance tool aimed to help folks automate their personal finance outcomes and goals. We chat about the power in having a seamless product to help you take back your time and how automation can be a benefit to folks. Make sure you listen all the way through because there is a special promo for the Toasties you'll want to hear about! Enjoy!   In this episode, we chat about: Automation in personal finance management The importance of HYSA accounts  Common misconceptions about automation and investing   CONNECT WITH TODAY'S GUEST:  Dr. Liran Eliner holds a PhD from Harvard, where he studied the financial decisions of individuals. As part of his PhD, Liran focused on the effects of recent trends and events, such as heavier-than-ever social media use, widespread working from home, and more, on people's financial behavior and outcomes. Today, Liran is the Founder & CEO of Cache, an innovative financial technology company at the forefront of introducing automation to improve personal financial outcomes. Unlike other personal finance apps that focus on advice and recommendations, Cache recognizes that not everyone has the time or motivation to manage their finances on a daily basis, and therefore introduces automation as a tool to help people make better, and in most cases optimal, financial decisions. mycache.ai  Facebook Instagram X/Twitter Linkedin   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter   OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links Birks I got: https://www.birkenstock.com/us/-boston-soft-footbed-suede-leather/boston-suede2-suedeleather-softfootbed-eva-u_2215.html On this episode of DDOD, Michela shares an update on her moving plans, her current favorites, and answers a few of your questions about dating, HYSA, writing a book, getting confident on social media, and more!

One listener writes in, "I have my HYSA, my 401(k) plus employer match, a Roth IRA, and now am saving for a down payment. I'm worried I'm lopsided and over-saved for retirement." But is she actually saving too much? Hear Katie's hot take. (Reminder: We are not licensed financial professionals, and this is not financial advice. Please do your own due diligence.) Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week. Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/oversaving. Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

"​​I have freed up an extra $700 a month to pay off 30k (3.9%) car. Is it better to make an extra $700 payment each month or save in HYSA at 4.5% until I have enough to pay it off? The minimum payment is $580 for 60 months." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Stock Market Update (SMU) Let's discuss and demystify the recent volatility in the stock market, NVDA earnings, Jackson Hole highlights including rate cuts, and the dreaded "R" word (recession).

Everyone should keep their savings, emergency funds, and extra cash in a high-yield savings account (HYSA) to optimize their money. High-yield savings accounts are paying as high as 5.5% interest and have been for over a year. Make sure you're taking advantage of this and maximizing your growth potential! Liz joins this week's podcast as we talk about: - What is a high-yield savings account and why you should have one - Why high-yield savings accounts are a safe place to keep your money - FDIC Insurance  - How banks make money - Why online or digital banks can afford to pay higher interest rates - Our favorite high-yield savings accounts Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/072-the-best-financial-advice-no-one-wants-to-take-move-your-money-to-a-high-yield-savings-account-already/

This week: Is it worth transferring savings from your current bank to a high-yield savings account (HYSA)? Given a new law, is it wise to roll over unused 529 dollars into a Roth IRA? How can parents raise kids to be “So Money®?”Subscribe to Farnoosh's new podcast: Better Business.Sign up for Farnoosh's newsletter here and instantly get a copy of So Money® Secrets, a compilation of the best advice shared on the podcast.The episode is an encore from March 3, 2023.

HYSA vs. CD Article: https://www.ally.com/stories/save/cd-vs-savings-account/ OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela shares 5 tips to navigate and prepare for a recession. There were many compounding factors that have led to this point and unfortunately we are on the edge of what could be another recessionary period. If you are feeling concerned and are seeking tips on how to prepare your finances and your career for a recession, this is for you! She covers: -How to take a financial snapshot -How to evaluate your cash position -Why you should prioritize your debt -How to find areas in your budget to reduce -Why you need to uplevel your skillset

We recorded this on 08/01/2024, knowing that unemployment numbers will not drop until this podcast airs on 08/02/2024, and that might also change so keep that in mind. **Employment Report Update from Jess** Fed's View on Labor Market: Fed Chair Jerome Powell stated that the changes in the labor market are "broadly consistent with a normalization process." However, policymakers are closely watching for signs of deeper issues. Unemployment Report Highlights: Unemployment Rate: Jumped to 4.3% in July, the highest in nearly three years. Hiring Slowdown: Significant reduction in hiring activities. Concerns: Increased fears of a weakening labor market and potential recession. Trend: This is the fourth consecutive monthly increase in unemployment, rising from a five-decade low of 3.4% in April 2023. Cause: The slowdown is driven by weak hiring rather than layoffs. Following the release of the employment data: U.S. Treasury yields dropped, meaning bond prices rose and we are in a sell off. Fed Meeting Notes aka The Powell-Point Fed Chairman Jerome Powell announced on the latest FOMC press conference that there will NOT be any rate cuts. We're shocked, really. Let's go through the data! It's no secret that most of us Americans are feeling the impact of higher rates to borrow money and inflation. But finally! It's not just us smaller consumers feeling the heat, larger companies are as they reported revenue declines. And if the big companies feel it, they will have to make some changes. Price Stability + Max Employment & Event Risk Something feels broken. The Fed has a toolkit to use when something is broken. Which means: rate cuts! What does it mean for you? We might see some sell-off in certain sectors. But that is normal rotation. Remember, this is not financial advice, but we have some episodes on What Is Inflation, CD Laddering, Bond ETFs, Are We In a Recession, etc., for you to understand what happens when the Yield Curve is de-inverted and what happens when rates inevitably get cut. Are you going to move your HYSA money into a Treasury, CD Ladder, or Bond Fund? Investing Rollercoaster DON'T be an emotional investor. You are buckled in for the long ride. The full rollercoaster. Time in the market is the most important and we've seen that even though the market goes up and down, the S&P 500 has continued to go up over the history of time. Also, when rates get cut, it usually trickles down to us with more competitive loan prices (auto loan, home loans, etc.) Still Have More Questions or a Comment? 

TRAVEL WITH US: Our GTM Retreat has spots left! If you want to travel with like-minded women, we're headed to Colombia in Feb 2025. Use code GROUPS200 for $200 off your trip and find all trip details here: ⁠⁠https://www.efultimatebreak.com/trips/colombia-escape-private-departure⁠ Earn more on your savings with a HYSA! Learn more and compare: ⁠http://savingsrates.org/girlstalkmoney-save In this episode, we're giving you all the life lessons we've learned so far as two 25-year-old gals. From business, to life, to friendships, to money—we're diving into it all (well, we're breaking it up into parts because we're yappers…but ya get the point). If you enjoyed this episode, please rate and review the podcast. We appreciate your support!

En este episodio Sylka y Maria contestan las preguntas mas frecuentas sobre los high yield savings accounts o cuentas de ahorros de alto rendimiento. Participa del reto de ahorros para fin de año, ⁠registrate seleccionando aqui mismo⁠ Algunas de las preguntas frecuentes sobre las cuentas de ahorros son: ¿Que es un HYSA? ¿Donde se abre? ¿Cuanto dinero puedo depositar en estas cuentas? ¿Estas cuentas tienes restricciones para poner y sacar dinero? ¿Cual es el beneficio? ¿como la uso? ¿Estas cuentas son aseguradas? ¿Me cobran por tener esta cuenta? ¿Que tengo que mirar cuando este seleccionando la cuenta que quiero? ¿Estás ready para obtener educación financiera en español? Mira todos los recursos que tengo para tí ⬇ https://dineroenspanglish.com/recursos DISCLAIMER: el contenido de Dinero en Spanglish el podcast, todos sus episodios y contenido compartido en el website y las redes sociales, es para efectos educativos solamente. Te comparitmos nuestra opinión y perspectivas relacionadas a temas de dinero y finanzas personales, pero no reemplaza la consulta con un asesor financiero, abogado y/o contador. --- Send in a voice message: https://podcasters.spotify.com/pod/show/dineroenspanglish/message Support this podcast: https://podcasters.spotify.com/pod/show/dineroenspanglish/support

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! What are the best budgeting apps? Should I want growth or income? Am I too late to retire wealthy? Mega Backdoor Roth Solo 401k? Should I buy stocks or real estate? Difference between SPYI and real estate? How do I pay off $100K in student loans? HYSA vs. T-Bills? What happens to ETFs when a stock splits? --- Subscribe to the Rich Habits Newsletter, ⁠⁠click here!⁠⁠ --- Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠⁠click here!⁠ --- Register for our Options Trading webinar on June 4th with Public, ⁠click here!⁠ --- Check out Yahoo Finance, click here! --- Open an account with Carry, click here! --- ⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Trade stocks, options, music royalties and crypto on Public – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Automatically buy stock where you shop with Grifin – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Protect your family with term life insurance from Suriance – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Use code “Spotify” for 15% off our 4-module video course – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ⭐ Optimize your portfolio with Seeking Alpha – ⁠⁠⁠⁠click here⁠⁠⁠⁠ ---

Want to get your kids more interested in investing but don't know where to start? In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community.  LISTEN TO LEARN: 06:25 Talking to kids about money 17:15 Opening an HYSA for her 19-year-old 19:30 Why HYSAs are so effective 23:00 Takeaways from Factora RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Today's 'Fuck Yeah Friday' highlights personal victories and community successes. Discover how Jeanne expertly navigates pricing strategies and learn about Adrienne's proactive financial adjustments, alongside exciting updates on the OPC Summer Camp. Lesley emphasizes the importance of celebrating wins, no matter the size, showing how even small actions can make a significant impact. End your week on a high note with a special affirmation to uplift and inspire you to Be It Till You See It.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:Jeanne manages price adjustments and cancellations effectively.Adrienne improves financial planning and personal achievements.Exciting details and early announcement to kick off OPC Summer Camp.Why celebrating all wins, big or small, is crucial for positive impact.Episode References/Links:Tess Waresmith EpisodeOPC Summer Camp  If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. DEALS! Check out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox Be in the know with all the workshops at OPCBe It Till You See It Podcast SurveyBe a part of Lesley's Pilates MentorshipFREE Ditching Busy Webinar  Resources:Watch the Be It Till You See It podcast on YouTube!Lesley Logan websiteBe It Till You See It PodcastOnline Pilates Classes by Lesley LoganOnline Pilates Classes by Lesley Logan on YouTubeProfitable Pilates Follow Us on Social Media:InstagramFacebookLinkedIn  Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck yeah.  Lesley Logan 0:02  Get ready for some wins. Lesley Logan 0:05  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.  Lesley Logan 0:46  Hey, Be It babe, Happy May 17th. How are you? Welcome back to The Fuck Yeah Friday episode. This is where I share wins of yours, wins of mine and an affirmation to kickstart our weekend because there are always things that are good that are happening in your life even when the (ish) has hit the fan, there's something good that's going to come from everything. So there's always balance and what we need to focus on is the good stuff because there's plenty of bad. Your friends will tell you all the bad you don't have to like focus on that. Lesley Logan 1:12  So here is a win from Jeanne Cho, she's an Agency member and her FYF. Sent out price increase emails this week, only received one negative response but handled it graciously and she's someone that makes sense to let go of. A few clients that express understanding. Today was my fifth Friday starting work in the ideal schedule at 9am after taking my daughter to school. Two clients late-cancelled so one immediately said she understand the need to charge her. The second is a new client who not only said the price increase is fine but also fine with the late cancel charge. Now that I have these two cancels I have more time in my day to recover and work on gemstones. Bumped into a sexy fling from last summer, now that I'm not interested he keeps reaching out. Love how the universe works. So many great wins in here Jeanne. So Jeanne, whenever you do a price increase it can be so, so scary. And also charging for late cance can be scary. But these are businesses that you're running, whether you're a Pilates instructor or not, anything that you are doing that you have to pay taxes on is a business, you have to treat it like one. Otherwise, it's called a hobby and then they don't let you do it anymore. So go, Jeanne. Lesley Logan 2:15  All right, this one is from Adrienne McCaskey. She's also one of our Agency members. And I got to meet her at the winter tour. So I just am so excited. She said FYF, some simple and yet monumental milestones this week, following the webinar with Tess last month, pause, Tess Waresmith was a guest on the podcast. And so, this is the Tess that she's talking about and we had her in the Agency to do a webinar. So, here we go. Adrienne's win. Following the webinar with Tess last month, I'm evaluating my financial and retirement accounts and opened an HYSA, a CD and savings accounts for my kids. Worked with my insurance agent and switched companies around based on liability policies and still getting the coverage I need while saving $600 plus annually. Finally achieved my goal of adding a blog to my website and made my first post this week and have drafts up for the next two written, nearly ready to go. Scheduled an overdue massage for late this month, made time to volunteer at my son's classroom twice this week. And it meant so much to both of us. Did two OPC workouts this week. Made the conscious decision to let go of a new-ish client that was requiring a lot of attention and sapping my energy. And the next day I received a message from someone who wants to start and fits my ideal client. Whoo, go, Adrienne, you are amazing. Those are monumental milestones. Those are so, so, so cool. I love sharing these wins. So make sure you send your wins. And so we can celebrate them. Because when you hear them, you get to really celebrate the thing that you did. It's so cool. Lesley Logan 3:33  All right. We've had a lot of things going on around here, I'm super, super excited to share that we have been able to kick off the OPC Summer Camp. That is a really big deal. I mean, we made it bigger and better than ever, 14 teachers, right? So I'm one of them. But we corralled 14 teachers and topics and we wanted to get it announced as early as possible. And so I'm just so proud of the team for all the work they've done to get this and also another win and part of it was like we've always wanted to be able to do a day pass to make something like really affordable for people. And we finally figured a way to do that and pay all of our teachers out accordingly. So it has been something we've been working on for almost a year. And so I'm just so, so proud of things, and I share it with you like it's not even complete guys. The win is just that it's announced. I will have another one in June when it is complete. But the win is that it's announced. Wins like this are really impactful because they include not just me, but so many other people and then their impact is even bigger than all of us and that is what we always focus on here. And so another way to think about you know, why you should celebrate your wins is to celebrate the small things. Because to celebrate the impact you're trying to make on this planet, every single one of us whether you work for yourself or you work for someone else, you are making an impact on people's lives and you can celebrate. You can have a win that's like I opened the door for the person behind me and they were struggling with it. That's a fucking great win because you changed that person's day. If they had to like struggle to open the door it would have like set their whole day in a different direction. So anyway, that is why we celebrate some wins. So yay to my team and everyone who has been part of Summer Camp because the fact that we got it launched in April was a humongous, humongous win. And I can't wait to see what comes from Summer Camp when it finally is live in June. Lesley Logan 5:19  So, all right now, let's get you on your day. Let's get you on your road. Let's get you kicking off your weekend with an affirmation. Which one we're going to do today? Here we go. My sensitivity is beautiful and my feelings and emotions are valid. My sensitivity is beautiful and my feelings and emotions are valid. Say it with me one more time. My sensitivity is beautiful and my feelings and emotions are valid. Remember, there's a couple Be It Action Items that are like, feel, like, feel the affirmations in your body. So, hope you felt that somewhere and wherever you felt it was awesome. And thank you so much for being part of the Be It Till You See It podcast. You are wonderful. And I will see you next week. Lesley Logan 6:00  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Lesley Logan 6:27  Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod. Brad Crowell 6:42  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 6:47  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 6:52  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 6:59  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 7:02  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The bond market has always been relevant, but it hasn't mattered as much since the Great Financial Crisis (GFC) - that's when the housing market collapsed in 2008. When we have a financial crisis, there is a fiscal policy response and monetary policy response to stimulate the economy. Right now we are in restrictive fed territory, they have raised rates to levels not seen since the GFC. Now the big market question is: when will they lower rates? If they do it too soon, it will reignite inflation, too late, it will tip us into a recession. The Fed's action affect the front end of the curve... when they lower and raise rates. WHICH AFFECTS YOU. (and that HYSA). You need to understand the yield curve and what de-inversion would mean. Is The Fed going to tip us into a recession? What does that even mean? We've been seeing your questions around this and more after our recent episodes on the FOMC meetings. Let's revisit how the yield curve works so we can all understand how the stock market and bond market is affected by The Fed's actions and what an inverted yield curve means for your money. *This episode was recorded back in November 2023, so some things mentioned are related to that month, but overall still relevant to what's happening now.* Still Have More Questions or a Comment? 

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! Should I keep my $18K in a HYSA or choose T-Bills? What about SCHD and VYM? I'm having trouble selling my single stock investments, what should I keep and what should I sell? Should I take my new pay increase and use that to max out my employer-sponsored retirement accounts? How do I approach talking about money with my girlfriend, and soon to be fiance? I have $1.65M in 'dead equity,' what should I do? --- Important Events:

We're comparing various financial products today. From target-date funds to index funds, CDs, High-Yield Savings Accounts, and Health Savings Accounts.Special guest Georgia Lee Hussey, founder of Modernist Financial, joins with advice. Plus: Ways to effectively contribute to political causes during this election year. Hosted on Acast. See acast.com/privacy for more information.